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Summary of temporary credit card benefits during this pandemic (updated 10/24/2020 - Chase Sapphire Reserve, Sapphire Preferred, etc.)

10/24/2020

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There are some recent updates for our featured review, mostly for Chase Sapphire Reserve, Sapphire Preferred, Ink Preferred, Freedom Unlimited, Freedom Flex.  We copy the content of the review below and highlight the updates in cardinal.

Updated October 22, 2020.

COVID-19 has obviously changed consumer behavior in a way that most of us probably would had never anticipated before, and it only makes sense that credit card issuers have been making adjustments accordingly.  This review summarizes all the temporary benefits provided by credit card issuers during this pandemic.
​​
American Express
  • For those who open an Amex card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus is extended for three months.
  • Platinum Card (personal): (1) Receive up to $320 in statement credits for U.S. wireless phone services & select U.S. streaming services (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Cardmembers that renew between April and December 2020 will receive $200 in statement credits for Amex Travel (Amex's travel booking portal) between 8/1/2020 and 12/31/2021.  (3) Through 2/5/2021, via Amex Offers, select cardmembers receive "spend $xxx+, get xxx Membership Rewards (MR) points" offers; the bonus points are in addition to the points you already receive from the card; offers are targeted and may vary; for example, one of the best offers is "spend $3,000+, get 3,000 MR points, up to 3 times".  (4) Select cardmembers receive a $100 statement credits for Dell purchases in U.S. between 9/3/2020 and 1/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Business Platinum Card: (1) Receive up to $320 in statement credits for U.S. wireless phone services & U.S. shipping (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Receive up to additional $200 in statement credits for Dell purchases in U.S. (up to $100 between 5/1/2020 and 6/30/2020; up to $100 between 7/1/2020 and 12/31/2020) - this is on top of the annual $200 Dell credits that are already part of this card's benefits.  (3) Select cardmembers also receive a $200 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Gold Card (personal): Through 2/5/2021, via Amex Offers, select cardmembers receive "spend $xxx+, get xxx MR points" offers; the bonus points are in addition to the points you already receive from the card; offers are targeted and may vary; for example, one of the best offers is "spend $5,500+, get 5,500 MR points, up to 3 times".
  • Green Card (personal): (1) Receive up to $80 in statement credits for U.S. wireless phone services (up to $10 per month, between 5/1/2020 and 12/31/2020).  (2) Through 2/5/2021, via Amex Offers, select cardmembers receive "spend $xxx+, get xxx MR points" offers; the bonus points are in addition to the points you already receive from the card; offers are targeted and may vary.
  • EveryDay Preferred Card: Through 2/5/2021, via Amex Offers, select cardmembers receive "spend $xxx+, get xxx MR points" offers; the bonus points are in addition to the points you already receive from the card; offers are targeted and may vary; for example, one of the best offers is "spend $1,500+, get 3,000 MR points, up to 3 times".
  • EveryDay Card: Through 2/5/2021, via Amex Offers, select cardmembers receive "spend $xxx+, get xxx MR points" offers; the bonus points are in addition to the points you already receive from the card; offers are targeted and may vary; for example, one of the best offers is "spend $3,500+, get 3,500 MR points, up to 3 times".
  • Marriott Bonvoy Brilliant Card: (1) The annual $300 Marriott statement credits can be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Annual free night certificates expiring in 2020 will be valid until 1/31/2021.  (3) Earn 6x points at U.S. supermarkets, up to $7,500 in purchase, between 5/1/2020 and 7/31/2020.  (4) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Marriott Bonvoy Business Card: (1) Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.  (2) Annual free night certificates expiring in 2020 will be valid until 1/31/2021.  (3) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Hilton Aspire Card: (1) The annual $250 Hilton resort credits can now be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (3) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (4) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued through 12/31/2020 will be valid for any night of the week; unexpired free weekend night certificates as of 3/11/2020 and newer certificates issued through 4/30/2020 will be valid until 8/31/2021, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  (5) Perfect Match via Amex Offers: for $1,000 spent with the card, Hilton will match 1,000 base points (for elite status qualification), up to 30x times, between 8/26/2020 and 12/18/2020.  Register via Amex Offers in your account.  Note that Hilton Aspire already offers complimentary Hilton Diamond status, so this offer will only make sense if you are working towards lifetime status.  In addition, select cardmembers also receive an additional offer with Perfect Match: earn one free night (no category cap & any day of the week) after $5,000 spent with the card.
  • Hilton Surpass Card: (1) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (2) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (3) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued through 12/31/2020 will be valid for any night of the week; unexpired free weekend night certificates as of 3/11/2020 and newer certificates issued through 4/30/2020 will be valid until 8/31/2021, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  (4) Perfect Match via Amex Offers: for $1,000 spent with the card, Hilton will match 1,000 base points (for elite status qualification), up to 30x times, between 8/26/2020 and 12/18/2020.  Register via Amex Offers in your account.  In addition, select cardmembers also receive an additional offer with Perfect Match: earn one free night (no category cap & any day of the week) after $5,000 spent with the card.
  • Hilton Card (personal): Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.
  • Hilton Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Delta SkyMiles Reserve Card, Delta SkyMiles Reserve Business Card: (1) Between 5/31/2020 and 12/31/2020,  select business cardmembers receive a $125 statement credit upon renewal, while select personal cardmembers receive a $100 statement credit upon renewal.  (2) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (3) Both versions earn 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.  (4) Both versions earn 500 miles + 500 Medallion Qualifying Miles (MQM) per each $1,000 spent on the card, up to 25K miles and 25K MQMs, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Delta SkyMiles Platinum Card, Delta SkyMiles Platinum Business Card: (1) Between 5/31/2020 and 12/31/2020, select business cardmembers receive a $75 statement credit upon renewal, while select personal cardmembers receive a $50 statement credit upon renewal.  (2) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (3) Both versions earn 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.  (4) Both versions earn 500 miles + 500 MQMs per each $1,000 spent on the card, up to 25K miles and 25K MQMs, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. 
  • Delta SkyMiles Gold Card, Delta SkyMiles Gold Business Card: (1) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (2) Both versions earn 4x miles at U.S. restaurants and 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit at americanexpress.com/deltagoldoffers. 
  •  Delta SkyMiles Blue Card : Earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020. 

Bank of America
  • Premier Rewards: Receive $50 statement credits for grocery & dining through 12/31/2020.
  • Travel Rewards: You may redeem points for statement credits towards grocery & dining at 1 cent per point value through 12/31/2020 (in addition to the regular travel redemption option at this value).

Capital One
  • Venture, VentureOne: (1) Receive 5x miles on Uber Eats between 7/14/2020 and 1/31/2021.  (2) Miles may be redeemed for food delivery, take out, streaming services between 4/1/2020 and 9/30/2020.
  • Savor, SavorOne: Receive 5% cash rewards on Uber Eats between 7/14/2020 and 1/31/2021.

Chase
  • For those who open a new credit card (personal or small business) between 1/1/2020 and 3/31/2020, the period to meet spending requirements to receive signup bonus is extended for three months.
  • Sapphire Reserve Card: (1) The annual fee will be reduced from $550 to $450 when you renew between 4/1/2020 and 12/31/2020.  (2) The annual $300 travel credit will apply automatically to groceries and gas stations between 6/1/2020 and 6/30/2021 (extended from 12/31/2020, in addition to the regular travel category). [NEW]  (3) Between 5/31/2020 and 4/30/2021 (extended from 9/30/2020), Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement & eligible charity donations at a fixed value of 1.5 cents per point (in addition to the regular travel category redemption through Chase booking portal). [NEW]  (4) Between 5/1/2020 and 6/30/2020, earn 5x points on groceries, up to $1,500 in purchases per month.  (5) Between 7/1/2020 and 9/30/2020, (a) earn 10x points on select streaming services*, up to $1,500 in purchases, (b) earn 5x points on gas stations, up to $1,500 in purchases, and (c) earn 5x points on Instacart, up to $3,000 in purchases; *eligible streaming services include Apple Music, Disney+, ESPN+, Fubo TV, Hulu, Netflix, Pandora, Sling, SiriusXM, Spotify, Youtube TV, and Vudu.  (6) Between 11/1/2020 and 4/30/2021, earn 3x points on groceries, up to $1,000 in purchases per month. [NEW]  (7) Receive up to $50 in statement credits towards Instacart Express membership; Instacart Express membership usually costs either $9.99 per month or $99 per year, and provides the following benefits: (a) zero delivery fees on orders over $35 (typically $3.99-$7.99 per order), (b) reduced service fees (typically 5%), and (c) zero busy pricing fees during peak delivery hours.  (8) Don't forget the two useful DoorDash benefits that has already existed before the pandemic: (a) one year DoorDash DashPass subscription service for free - activate before 12/31/2021; this subscription service offers zero delivery fee and reduced service fees on food orders over $12 via DoorDash; (b) Receive $60 statement credits for DoorDash purchases through 12/31/2020 and another $60 through 12/31/2021.
  • Chase Sapphire Preferred: (1) Between 5/31/2020 and 4/30/2021 (extended from 9/30/2020), Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement & eligible charity donations at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). [NEW]  (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Between 7/1/2020 and 9/30/2020, (a) earn 5x points on select streaming services, up to $1,500 in purchases, (b) earn 3x points on gas stations, up to $1,500 in purchases, and (c) earn 3x points on Instacart, up to $3,000 in purchases.  (4) Between 11/1/2020 and 4/30/2021, earn 2x points on groceries, up to $1,000 in purchases per month. [NEW]  (5) Receive up to $50 in statement credits towards Instacart Express membership.  (6) ​Sapphire Preferred cardmembers also continue to receive this DoorDash benefit: one year DoorDash DashPass subscription service for free - activate before 12/31/2021.
  • Chase Ink Preferred, Ink Plus: Between 10/1/2020 and 12/31/2020, Ultimate Rewards points can be redeemed in statement credits for eligible online advertising & shipping & eligible charity donations at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). [NEW]
  • Chase Freedom Flex, Freedom Unlimited, Freedom: Effective 10/1/2020, with no end date, Ultimate Rewards points can be redeemed in statement credits for eligible charity donations at a fixed value of 1.25 cents per point. [NEW]
  • United Club Infinite Card, United Club Card, United Presidential Plus Card: (1) Earn 5x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • United Explorer Card, United MileagePlus Select Card: (1) Earn 3x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa: (1) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x points on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • British Airways Visa, Iberia Visa, Aer Lingus Visa: (1) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers earn 7x points on groceries & gas & dining, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020:  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Marriott Bonvoy Boundless, Bonvoy Bold, Marriott Rewards Premier: (1) Annual free night certificates (for Marriott Bonvoy Boundless & Marriott Rewards Premier) expiring in 2020 will be valid until 1/31/2021.  (2) Earn 6x points on groceries, up to $6,000 in purchase, between 5/1/2020 and 7/31/2020. (3) Earn 10x points on dining & gas, up to $3,500 in purchase, between 7/15/2020 and 9/30/2020 - unlike most other benefits that are automatically applied, you need to activate this one on Chase website at chase.com/mybonus.
  • World of Hyatt Visa, Hyatt Visa: (1) Annual free night certificates with an expiration date between 3/1/2020 and 12/31/2021 will be valid until 12/31/2021. [NEW]  (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.
  • IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC: (1) Annual free night certificates with an expiration date between 3/1/2020 and 12/31/2020 will be valid until 12/31/2020; newer certificates issued through 12/31/2020 will be valid for 18 months (instead of 12 months).  (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Select cardmembers earn 5x points or miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.
  • Disney Premier Visa: (1) Earn 3% on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5% on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.

 Citi 
  • For those who open a credit card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus will be extended for three months.
  • Citi Prestige: (1) The annual $250 travel credits can be used towards groceries & dining, between 5/1/2020 and 12/31/2020.  (2) Earn 5x points on online purchases, up to $1,500 spent in this category (in addition to the regular 5x on airlines | travel agencies | dining, 3x on hotels | cruise lines), between 6/2/2020 and 8/31/2020.
  • Citi Premier cardholders who applied on or after April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries & dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through August 22, 2020.  (3) Effective August 23, 2020, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi Premier cardholders who applied before April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries and dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through April 9, 2021.  (3) Effective April 10, 2021, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi AA Executive: Cardholders that renew after 3/31/2020 receive a $225 statement credit, which equals to half of the annual fee.
  • Citi AA Platinum Select: The annual $125 flight discount certificates (after $20K annual spending) that are expiring between 3/31/2020 and 5/31/2020 will be extended for 6 months.
  • CitiBusiness AA Platinum Select: The annual $99 companion certificates (after $30K annual spending) that are expiring on 12/31/2020 will be extended for 6 months.

HSBC
  • Premier Word Elite MasterCard: (1) Earn 3x points at groceries stores & wholesale clubs & convenience stores between 5/1/2020 and 7/31/2020. (2) You may now use the annual $100 Uber credits towards Uber Eats between 5/1/2020 and 7/31/2020 (regularly this credit can only be used towards Uber ride share service).

U.S. Bank
  • US Bank Altitude Reserve: (1) The annual $325 travel credits can be used towards dining, between 6/1/2020 and 12/31/2020.  (2) Earn 3x points on dining (in addition to the regular 3x on travel & mobile wallets), between 6/1/2020 and 12/31/2020.

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BofA Alaska Visa historical high @signup (personal 65K miles + $99 companion pass, business 40K miles + $200 + $99 companion pass)

9/7/2020

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BofA Alaska Visa has offered the best historical bonuses for both the personal version and business version:
  • Personal version: up to 65,000 miles + one $99 companion certificate (40,000 miles + one $99 companion certification which allows you to take a companion for $99 plus fees and taxes starting $22 when you pay your own ticket, after spending $2,000 within 3 months of new account opening, and additional 25,000 miles after spending a total of $8,000 with 6 months).  Based on our current valuation of 1.8 cents a piece, the signup bonus is worth $1,180.
  • Business version: $200 statement credit + 40,000 miles + one $99 companion certificate after spending $2,000 within 3 months of new account opening.  The signup bonus is worth $945 in our book.​​
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Summary of all the temporary credit card benefits during this pandemic (updated 8/17/2020 - Amex Delta cards)

8/17/2020

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We are continuing updating the featured review and also posting in the blog section.  The new updates are highlighted in cardinal below: Delta Gold Amex (personal & business) gets 4x miles on dining & 5x on Delta purchases; Delta Platinum Amex and Delta Reserve Amex (personal & business) get 5x miles on Delta and 500 miles + 500 MQMs per $1K spent, up to 25K bonus miles.  In addition, we rearranged quite bit of other parts of the write-up to make it easier to navigate.  We also added annual free night extension by Hilton, Marriott, Hyatt, and IHG.

Updated August 17, 2020.
COVID-19 has obviously changed consumer behavior in a way that most of us probably would had never anticipated before, and it only makes sense that credit card issuers have been making adjustments accordingly.  This review summarizes all the temporary benefits provided by credit card issuers during this pandemic.
​​
American Express
  • For those who open an Amex card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus is extended for three months.
  • Platinum Card (personal): (1) Receive up to $320 in statement credits for U.S. wireless phone services & select U.S. streaming services (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Cardmembers that renew between April and December 2020 will receive $200 in statement credits for Amex Travel (Amex's travel booking portal) between 8/1/2020 and 12/31/2021.
  • Business Platinum Card: (1) Receive up to $320 in statement credits for U.S. wireless phone services & U.S. shipping (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Receive up to additional $200 in statement credits for Dell purchases in U.S. (up to $100 between 5/1/2020 and 6/30/2020; up to $100 between 7/1/2020 and 12/31/2020) - this is on top of the annual $200 Dell credits that are already part of this card's benefits.  (3) Select cardmembers also receive a $200 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Green Card: Receive up to $80 in statement credits for U.S. wireless phone services (up to $10 per month, between 5/1/2020 and 12/31/2020).
  • Marriott Bonvoy Brilliant Card: (1) The annual $300 Marriott statement credits can be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Annual free night certificates expiring in 2020 will be valid until 1/31/2021.  (3) Earn 6x points at U.S. supermarkets, up to $7,500 in purchase, between 5/1/2020 and 7/31/2020.  (4) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Marriott Bonvoy Business Card: (1) Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.  (2) Annual free night certificates expiring in 2020 will be valid until 1/31/2021.  (3) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account.
  • Hilton Aspire Card: (1) The annual $250 Hilton resort credits can now be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (3) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (4) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued through 12/31/2020 will be valid for any night of the week; unexpired free weekend night certificates as of 3/11/2020 and newer certificates issued through 4/30/2020 will be valid until 8/31/2021, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  
  • Hilton Surpass Card: (1) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (2) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (3) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued through 12/31/2020 will be valid for any night of the week; unexpired free weekend night certificates as of 3/11/2020 and newer certificates issued through 4/30/2020 will be valid until 8/31/2021, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  
  • Hilton Card (personal): Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.
  • Hilton Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Delta SkyMiles Reserve Card, Delta SkyMiles Reserve Business Card: (1) Between 5/31/2020 and 12/31/2020,  select business cardmembers receive a $125 statement credit upon renewal, while select personal cardmembers receive a $100 statement credit upon renewal.  (2) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (3) Both versions earn 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [New]  (4) Both versions earn 500 miles + 500 Medallion Qualifying Miles (MQM) per each $1,000 spent on the card, up to 25K miles and 25K MQMs, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [New]  
  • Delta SkyMiles Platinum Card, Delta SkyMiles Platinum Business Card: (1) Between 5/31/2020 and 12/31/2020, select business cardmembers receive a $75 statement credit upon renewal, while select personal cardmembers receive a $50 statement credit upon renewal.  (2) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (3) Both versions earn 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [New]  (4) Both versions earn 500 miles + 500 MQMs per each $1,000 spent on the card, up to 25K miles and 25K MQMs, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [New]  
  • Delta SkyMiles Gold Card, Delta SkyMiles Gold Business Card: (1) The personal cardmembers earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (2) Both versions earn 4x miles at U.S. restaurants and 5x miles on Delta purchases, between 8/17/2020 and 12/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit at americanexpress.com/deltagoldoffers. [NEW]
  •  Delta SkyMiles Blue Card : Earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020. 

Bank of America
  • Premier Rewards: Receive $50 statement credits for grocery & dining through 12/31/2020.
  • Travel Rewards: You may redeem points for statement credits towards grocery & dining at 1 cent per point value through 12/31/2020 (in addition to the regular travel redemption option at this value).

Capital One
  • Venture, VentureOne: Receive 5x miles on Uber Eats between 7/14/2020 and 1/31/2021.
  • Savor, SavorOne: Receive 5% cash rewards on Uber Eats between 7/14/2020 and 1/31/2021.

Chase
  • For those who open a new credit card (personal or small business) between 1/1/2020 and 3/31/2020, the period to meet spending requirements to receive signup bonus is extended for three months.
  • Sapphire Reserve Card: (1) The annual fee will be reduced from $550 to $450 when you renew between 4/1/2020 and 12/31/2020.  (2) The annual $300 travel credit will apply automatically to groceries and gas stations between 6/1/2020 and 12/31/2020 (in addition to the regular travel category).  (3) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.5 cents per point (in addition to the regular travel category redemption through Chase booking portal).  (4) Between 5/1/2020 and 6/30/2020, earn 5x points on groceries, up to $1,500 in purchases per month.  (5) Between 7/1/2020 and 9/30/2020, (a) earn 10x points on select streaming services*, up to $1,500 in purchases, (b) earn 5x points on gas stations, up to $1,500 in purchases, and (c) earn 5x points on Instacart, up to $3,000 in purchases; *eligible streaming services include Apple Music, Disney+, ESPN+, Fubo TV, Hulu, Netflix, Pandora, Sling, SiriusXM, Spotify, Youtube TV, and Vudu.  (6) Receive up to $50 in statement credits towards Instacart Express membership; Instacart Express membership usually costs either $9.99 per month or $99 per year, and provides the following benefits: (a) zero delivery fees on orders over $35 (typically $3.99-$7.99 per order), (b) reduced service fees (typically 5%), and (c) zero busy pricing fees during peak delivery hours.  (7) Don't forget the two useful DoorDash benefits that has already existed before the pandemic: (a) one year DoorDash DashPass subscription service for free - activate before 12/31/2021; this subscription service offers zero delivery fee and reduced service fees on food orders over $12 via DoorDash; (b) Receive $60 statement credits for DoorDash purchases through 12/31/2020 and another $60 through 12/31/2021.
  • Chase Sapphire Preferred: (1) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Between 7/1/2020 and 9/30/2020, (a) earn 5x points on select streaming services, up to $1,500 in purchases, (b) earn 3x points on gas stations, up to $1,500 in purchases, and (c) earn 3x points on Instacart, up to $3,000 in purchases.  (4) Receive up to $50 in statement credits towards Instacart Express membership.  (5) ​Sapphire Preferred cardmembers also continue to receive this DoorDash benefit: one year DoorDash DashPass subscription service for free - activate before 12/31/2021.
  • United Club Infinite Card, United Club Card, United Presidential Plus Card: (1) Earn 5x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • United Explorer Card, United MileagePlus Select Card: (1) Earn 3x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa: (1) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x points on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • British Airways Visa, Iberia Visa, Aer Lingus Visa: (1) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers earn 7x points on groceries & gas & dining, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020:  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Marriott Bonvoy Boundless, Bonvoy Bold, Marriott Rewards Premier: (1) Annual free night certificates (for Marriott Bonvoy Boundless & Marriott Rewards Premier) expiring in 2020 will be valid until 1/31/2021.  (2) Earn 6x points on groceries, up to $6,000 in purchase, between 5/1/2020 and 7/31/2020. (3) Earn 10x points on dining & gas, up to $3,500 in purchase, between 7/15/2020 and 9/15/2020 - unlike most other benefits that are automatically applied, you need to activate this one on Chase website at chase.com/mybonus.
  • World of Hyatt Visa, Hyatt Visa: (1) Annual free night certificates with an expiration date between 3/1/2020 and 12/31/2020 will be valid until 12/31/2021.  (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.
  • IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC: (1) Annual free night certificates with an expiration date between 3/1/2020 and 12/31/2020 will be valid until 12/31/2020; newer certificates issued through 12/31/2020 will be valid for 18 months (instead of 12 months).  (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Select cardmembers earn 5x points or miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.
  • Disney Premier Visa: (1) Earn 3% on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5% on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.

 Citi 
  • For those who open a credit card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus will be extended for three months.
  • Citi Prestige: (1) The annual $250 travel credits can be used towards groceries & dining, between 5/1/2020 and 12/31/2020.  (2) Earn 5x points on online purchases, up to $1,500 spent in this category (in addition to the regular 5x on airlines | travel agencies | dining, 3x on hotels | cruise lines), between 6/2/2020 and 8/31/2020.
  • Citi Premier cardholders who applied on or after April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries & dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through August 22, 2020.  (3) Effective August 23, 2020, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi Premier cardholders who applied before April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries and dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through April 9, 2021.  (3) Effective April 10, 2021, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi AA Executive: Cardholders that renew after 3/31/2020 receive a $225 statement credit, which equals to half of the annual fee.
  • Citi AA Platinum Select: The annual $125 flight discount certificates (after $20K annual spending) that are expiring between 3/31/2020 and 5/31/2020 will be extended for 6 months.
  • CitiBusiness AA Platinum Select: The annual $99 companion certificates (after $30K annual spending) that are expiring on 12/31/2020 will be extended for 6 months.

HSBC
  • Premier Word Elite MasterCard: (1) Earn 3x points at groceries stores & wholesale clubs & convenience stores between 5/1/2020 and 7/31/2020. (2) You may now use the annual $100 Uber credits towards Uber Eats between 5/1/2020 and 7/31/2020 (regularly this credit can only be used towards Uber ride share service).

U.S. Bank
  • US Bank Altitude Reserve: (1) The annual $325 travel credits can be used towards dining, between 6/1/2020 and 12/31/2020.  (2) Earn 3x points on dining (in addition to the regular 3x on travel & mobile wallets), between 6/1/2020 and 12/31/2020.

© 2011-2020 DrCreditCard.net  All rights reserved.
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Summary of all the temporary credit card benefits during this pandemic (updated 8/5/2020: Amex Marriott cards 10x points on Marriott & gas & dining)

8/5/2020

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We will regularly update this review and also post in the blog section.

Updated August 5, 2020: Amex Marriott cobranded cardmembers will earn 10x points on Marriott & gas & dining through 10/31/2020 via Amex Offers.  See details highlighted in cardinal below.

COVID-19 has obviously changed consumer behavior in a way that most of us probably would had never anticipated before, and it only makes sense that credit card issuers have been making adjustments accordingly.  This review summarizes all the temporary benefits provided by credit card issuers during this pandemic.
​​
American Express
  • For those who open an Amex card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus is extended for three months.
  • Platinum Card (personal): (1) Receive up to $320 in statement credits for U.S. wireless phone services & select U.S. streaming services (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Cardmembers that renew between April and December 2020 will receive $200 in statement credits for Amex Travel (Amex's travel booking portal) between 8/1/2020 and 12/31/2021.
  • Business Platinum Card: (1) Receive up to $320 in statement credits for U.S. wireless phone services & U.S. shipping (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Receive up to additional $200 in statement credits for Dell purchases in U.S. (up to $100 between 5/1/2020 and 6/30/2020; up to $100 between 7/1/2020 and 12/31/2020) - this is on top of the annual $200 Dell credits that are already part of this card's benefits.  (3) Select cardmembers also receive a $200 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Green Card: Receive up to $80 in statement credits for U.S. wireless phone services (up to $10 per month, between 5/1/2020 and 12/31/2020).
  • Marriott Bonvoy Brilliant Card: (1) The annual $300 Marriott statement credits can be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 6x points at U.S. supermarkets, up to $7,500 in purchase, between 5/1/2020 and 7/31/2020.  (3) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [NEW]
  • Marriott Bonvoy Business Card: (1) Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.  (2) Earn 10x points at Marriott portfolio hotels & gas & dining, up to $7,500 in purchase in each category, between 8/1/2020 and 10/31/2020.  Unlike most other benefits that are automatically applied, you need to activate this benefit via Amex Offers in your account. [NEW]
  • Hilton Aspire Card: (1) The annual $250 Hilton resort credits can now be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (3) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (4) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  
  • Hilton Surpass Card: (1) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (2) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (3) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).
  • Hilton Card (personal): Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.
  • Hilton Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Delta SkyMiles Reserve, SkyMiles Platinum, SkyMiles Gold, SkyMiles Blue cards (personal): (1) All personal Delta cobranded Amex cards earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (2) Select personal SkyMiles Reserve cardmembers receive a $100 statement credit when they renew between 5/31/2020 and 12/31/2020.  (3) Select personal SkyMiles Platinum cardmembers receive a $50 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Reserve Business: select cardmembers receive a $125 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Platinum Business: select cardmembers receive a $75 statement credit when they renew between 5/31/2020 and 12/31/2020.

Bank of America
  • Premier Rewards: Receive $50 statement credits for grocery & dining through 12/31/2020.
  • Travel Rewards: You may redeem points for statement credits towards grocery & dining at 1 cent per point value through 12/31/2020 (in addition to the regular travel redemption option at this value).

Capital One
  • Venture, VentureOne: Receive 5x miles on Uber Eats between 7/14/2020 and 1/31/2021.
  • Savor, SavorOne: Receive 5% cash rewards on Uber Eats between 7/14/2020 and 1/31/2021.

Chase
  • For those who open a new credit card (personal or small business) between 1/1/2020 and 3/31/2020, the period to meet spending requirements to receive signup bonus is extended for three months.
  • Sapphire Reserve Card: (1) The annual fee will be reduced from $550 to $450 when you renew between 4/1/2020 and 12/31/2020.  (2) The annual $300 travel credit will apply automatically to groceries and gas stations between 6/1/2020 and 12/31/2020 (in addition to the regular travel category).  (3) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.5 cents per point (in addition to the regular travel category redemption through Chase booking portal).  (4) Between 5/1/2020 and 6/30/2020, earn 5x points on groceries, up to $1,500 in purchases per month.  (5) Between 7/1/2020 and 9/30/2020, (a) earn 10x points on select streaming services*, up to $1,500 in purchases, (b) earn 5x points on gas stations, up to $1,500 in purchases, and (c) earn 5x points on Instacart, up to $3,000 in purchases; *eligible streaming services include Apple Music, Disney+, ESPN+, Fubo TV, Hulu, Netflix, Pandora, Sling, SiriusXM, Spotify, Youtube TV, and Vudu.  (6) Receive up to $50 in statement credits towards Instacart Express membership; Instacart Express membership usually costs either $9.99 per month or $99 per year, and provides the following benefits: (a) zero delivery fees on orders over $35 (typically $3.99-$7.99 per order), (b) reduced service fees (typically 5%), and (c) zero busy pricing fees during peak delivery hours.  (7) Don't forget the two useful DoorDash benefits that has already existed before the pandemic: (a) one year DoorDash DashPass subscription service for free - activate before 12/31/2021; this subscription service offers zero delivery fee and reduced service fees on food orders over $12 via DoorDash; (b) Receive $60 statement credits for DoorDash purchases through 12/31/2020 and another $60 through 12/31/2021.
  • Chase Sapphire Preferred: (1) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Between 7/1/2020 and 9/30/2020, (a) earn 5x points on select streaming services, up to $1,500 in purchases, (b) earn 3x points on gas stations, up to $1,500 in purchases, and (c) earn 3x points on Instacart, up to $3,000 in purchases.  (4) Receive up to $50 in statement credits towards Instacart Express membership.  (5) ​Sapphire Preferred cardmembers also continue to receive this DoorDash benefit: one year DoorDash DashPass subscription service for free - activate before 12/31/2021.
  • United Club Infinite Card, United Club Card, United Presidential Plus Card: (1) Earn 5x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x or 7x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Marriott Bonvoy Boundless, Bonvoy Bold, Marriott Rewards Premier: (1) Earn 6x points on groceries, up to $6,000 in purchase, between 5/1/2020 and 7/31/2020. (2) Earn 10x points on dining & gas, up to $3,500 in purchase, between 7/15/2020 and 9/15/2020 - unlike most other benefits that are automatically applied, you need to activate this one on Chase website at chase.com/mybonus.
  • The following cards earn 3 points or miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020: United Explorer Card, United MileagePlus Select Card, Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa, British Airways Visa, Iberia Visa, Aer Lingus Visa, World of Hyatt Visa, Hyatt Visa, IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC, and Disney Premier Visa.
  • Select cardmembers of the following cards earn 5 or 7 points or miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020: United Explorer Card, United MileagePlus Select Card, Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa, British Airways Visa, Iberia Visa, Aer Lingus Visa, IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.

 Citi 
  • For those who open a credit card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus will be extended for three months.
  • Citi Prestige: (1) The annual $250 travel credits can be used towards groceries & dining, between 5/1/2020 and 12/31/2020.  (2) Earn 5x points on online purchases, up to $1,500 spent in this category (in addition to the regular 5x on airlines | travel agencies | dining, 3x on hotels | cruise lines), between 6/2/2020 and 8/31/2020.
  • Citi Premier cardholders who applied on or after April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries & dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through August 22, 2020.  (3) Effective August 23, 2020, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi Premier cardholders who applied before April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries and dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through April 9, 2021.  (3) Effective April 10, 2021, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi AA Executive: Cardholders that renew after 3/31/2020 receive a $225 statement credit, which equals to half of the annual fee.
  • Citi AA Platinum Select: The annual $125 flight discount certificates (after $20K annual spending) that are expiring between 3/31/2020 and 5/31/2020 will be extended for 6 months.
  • CitiBusiness AA Platinum Select: The annual $99 companion certificates (after $30K annual spending) that are expiring on 12/31/2020 will be extended for 6 months.

HSBC
  • Premier Word Elite MasterCard: (1) Earn 3x points at groceries stores & wholesale clubs & convenience stores between 5/1/2020 and 7/31/2020. (2) You may now use the annual $100 Uber credits towards Uber Eats between 5/1/2020 and 7/31/2020 (regularly this credit can only be used towards Uber ride share service).

U.S. Bank
  • US Bank Altitude Reserve: (1) The annual $325 travel credits can be used towards dining, between 6/1/2020 and 12/31/2020.  (2) Earn 3x points on dining (in addition to the regular 3x on travel & mobile wallets), between 6/1/2020 and 12/31/2020.

© 2011-2020 DrCreditCard.net  All rights reserved.
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The summary of all the temporary credit card benefits during this pandemic (updated 7/30/2020)

7/30/2020

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The featured review can be found here.

Updated July 30, 2020.  Please note that the new updates are highlighted in cardinal: select Chase cardmembers receive 5x or 7x miles/points on groceries and gas, up to $1,500 in purchase per month, between 8/1/2020 and 9/30/2020.  This offer requires activation.

COVID-19 has obviously changed consumer behavior in a way that most of us probably would had never anticipated before, and it only makes sense that credit card issuers have been making adjustments accordingly.  This review summarizes all the temporary benefits provided by credit card issuers during this pandemic.
​​
American Express
  • For those who open an Amex card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus is extended for three months.
  • Platinum Card (personal): (1) Receive up to $320 in statement credits for U.S. wireless phone services & select U.S. streaming services (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Cardmembers that renew between April and December 2020 will receive $200 in statement credits for Amex Travel (Amex's travel booking portal) between 8/1/2020 and 12/31/2021.
  • Business Platinum Card: (1) Receive up to $320 in statement credits for U.S. wireless phone services & U.S. shipping (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Receive up to additional $200 in statement credits for Dell purchases in U.S. (up to $100 between 5/1/2020 and 6/30/2020; up to $100 between 7/1/2020 and 12/31/2020) - this is on top of the annual $200 Dell credits that are already part of this card's benefits.  (3) Select cardmembers also receive a $200 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Green Card: Receive up to $80 in statement credits for U.S. wireless phone services (up to $10 per month, between 5/1/2020 and 12/31/2020).
  • Marriott Bonvoy Brilliant Card: (1) The annual $300 Marriott statement credits can be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 6x points at U.S. supermarkets, up to $7,500 in purchase, between 5/1/2020 and 7/31/2020.
  • Marriott Bonvoy Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Hilton Aspire Card: (1) The annual $250 Hilton resort credits can now be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (3) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (4) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  
  • Hilton Surpass Card: (1) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (2) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (3) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).
  • Hilton Card (personal): Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.
  • Hilton Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Delta SkyMiles Reserve, SkyMiles Platinum, SkyMiles Gold, SkyMiles Blue cards (personal): (1) All personal Delta cobranded Amex cards earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (2) Select personal SkyMiles Reserve cardmembers receive a $100 statement credit when they renew between 5/31/2020 and 12/31/2020.  (3) Select personal SkyMiles Platinum cardmembers receive a $50 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Reserve Business: select cardmembers receive a $125 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Platinum Business: select cardmembers receive a $75 statement credit when they renew between 5/31/2020 and 12/31/2020.

Bank of America
  • Premier Rewards: Receive $50 statement credits for grocery & dining through 12/31/2020.
  • Travel Rewards: You may redeem points for statement credits towards grocery & dining at 1 cent per point value through 12/31/2020 (in addition to the regular travel redemption option at this value).

Capital One
  • Venture, VentureOne: Receive 5x miles on Uber Eats between 7/14/2020 and 1/31/2021.
  • Savor, SavorOne: Receive 5% cash rewards on Uber Eats between 7/14/2020 and 1/31/2021.

Chase
  • For those who open a new credit card (personal or small business) between 1/1/2020 and 3/31/2020, the period to meet spending requirements to receive signup bonus is extended for three months.
  • Sapphire Reserve Card: (1) The annual fee will be reduced from $550 to $450 when you renew between 4/1/2020 and 12/31/2020.  (2) The annual $300 travel credit will apply automatically to groceries and gas stations between 6/1/2020 and 12/31/2020 (in addition to the regular travel category).  (3) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.5 cents per point (in addition to the regular travel category redemption through Chase booking portal).  (4) Between 5/1/2020 and 6/30/2020, earn 5x points on groceries, up to $1,500 in purchases per month.  (5) Between 7/1/2020 and 9/30/2020, (a) earn 10x points on select streaming services*, up to $1,500 in purchases, (b) earn 5x points on gas stations, up to $1,500 in purchases, and (c) earn 5x points on Instacart, up to $3,000 in purchases; *eligible streaming services include Apple Music, Disney+, ESPN+, Fubo TV, Hulu, Netflix, Pandora, Sling, SiriusXM, Spotify, Youtube TV, and Vudu.  (6) Receive up to $50 in statement credits towards Instacart Express membership; Instacart Express membership usually costs either $9.99 per month or $99 per year, and provides the following benefits: (a) zero delivery fees on orders over $35 (typically $3.99-$7.99 per order), (b) reduced service fees (typically 5%), and (c) zero busy pricing fees during peak delivery hours.  (7) Don't forget the two useful DoorDash benefits that has already existed before the pandemic: (a) one year DoorDash DashPass subscription service for free - activate before 12/31/2021; this subscription service offers zero delivery fee and reduced service fees on food orders over $12 via DoorDash; (b) Receive $60 statement credits for DoorDash purchases through 12/31/2020 and another $60 through 12/31/2021.
  • Chase Sapphire Preferred: (1) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Between 7/1/2020 and 9/30/2020, (a) earn 5x points on select streaming services, up to $1,500 in purchases, (b) earn 3x points on gas stations, up to $1,500 in purchases, and (c) earn 3x points on Instacart, up to $3,000 in purchases.  (4) Receive up to $50 in statement credits towards Instacart Express membership.  (5) ​Sapphire Preferred cardmembers also continue to receive this DoorDash benefit: one year DoorDash DashPass subscription service for free - activate before 12/31/2021.
  • United Club Infinite Card, United Club Card, United Presidential Plus Card: (1) Earn 5x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (2) Select cardmembers receive 5x or 7x miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020. [NEW]  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.
  • Marriott Bonvoy Boundless, Bonvoy Bold, Marriott Rewards Premier: (1) Earn 6x points on groceries, up to $6,000 in purchase, between 5/1/2020 and 7/31/2020. (2) Earn 10x points on dining & gas, up to $3,500 in purchase, between 7/15/2020 and 9/15/2020 - unlike most other benefits that are automatically applied, you need to activate this one on Chase website at chase.com/mybonus.
  • The following cards earn 3 points or miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020: United Explorer Card, United MileagePlus Select Card, Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa, British Airways Visa, Iberia Visa, Aer Lingus Visa, World of Hyatt Visa, Hyatt Visa, IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC, and Disney Premier Visa.
  • Select cardmembers of the following cards earn 5 or 7 points or miles on groceries and gas, up to $1,500 in combined purchases per month, between 8/1/2020 and 9/30/2020 [NEW]: United Explorer Card, United MileagePlus Select Card, Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa, British Airways Visa, Iberia Visa, Aer Lingus Visa, IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC.  Unlike most other benefits that are automatically applied, you need to activate this one on Chase website via the link in your email or at chase.com/mybonus.

 Citi 
  • For those who open a credit card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus will be extended for three months.
  • Citi Prestige: (1) The annual $250 travel credits can be used towards groceries & dining, between 5/1/2020 and 12/31/2020.  (2) Earn 5x points on online purchases, up to $1,500 spent in this category (in addition to the regular 5x on airlines | travel agencies | dining, 3x on hotels | cruise lines), between 6/2/2020 and 8/31/2020.
  • Citi Premier cardholders who applied on or after April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries & dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through August 22, 2020.  (3) Effective August 23, 2020, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi Premier cardholders who applied before April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries and dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through April 9, 2021.  (3) Effective April 10, 2021, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi AA Executive: Cardholders that renew after 3/31/2020 receive a $225 statement credit, which equals to half of the annual fee.
  • Citi AA Platinum Select: The annual $125 flight discount certificates (after $20K annual spending) that are expiring between 3/31/2020 and 5/31/2020 will be extended for 6 months.
  • CitiBusiness AA Platinum Select: The annual $99 companion certificates (after $30K annual spending) that are expiring on 12/31/2020 will be extended for 6 months.

HSBC
  • Premier Word Elite MasterCard: (1) Earn 3x points at groceries stores & wholesale clubs & convenience stores between 5/1/2020 and 7/31/2020. (2) You may now use the annual $100 Uber credits towards Uber Eats between 5/1/2020 and 7/31/2020 (regularly this credit can only be used towards Uber ride share service).

U.S. Bank
  • US Bank Altitude Reserve: (1) The annual $325 travel credits can be used towards dining, between 6/1/2020 and 12/31/2020.  (2) Earn 3x points on dining (in addition to the regular 3x on travel & mobile wallets), between 6/1/2020 and 12/31/2020.

© 2011-2020 DrCreditCard.net  All rights reserved.
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The summary of all the temporary credit card benefits during this pandemic

7/14/2020

4 Comments

 
As card issuers are bringing more and more temporary benefits to their credit card products during this pandemic, we have decided to write a featured review "Temporary Credit Card Benefits During the COVID-19 Pandemic" and will update it as there is new information available.  Below is the current write-up:

Updated July 16, 2020.
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COVID-19 has obviously changed consumer behavior in a way that most of us probably would had never anticipated before, and it only makes sense that credit card issuers have been making adjustments accordingly.  This review summarizes all the temporary benefits provided by credit card issuers during this pandemic.
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American Express
  • For those who open an Amex card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus is extended for three months.
  • Platinum Card (personal): (1) Receive up to $320 in statement credits for U.S. wireless phone services & select U.S. streaming services (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Cardmembers that renew between April and December 2020 will receive $200 in statement credits for Amex Travel (Amex's travel booking portal) between 8/1/2020 and 12/31/2021.
  • Business Platinum Card: (1) Receive up to $320 in statement credits for U.S. wireless phone services & U.S. shipping (up to $20 per category per month, between 5/1/2020 and 12/31/2020).  (2) Receive up to additional $200 in statement credits for Dell purchases in U.S. (up to $100 between 5/1/2020 and 6/30/2020; up to $100 between 7/1/2020 and 12/31/2020) - this is on top of the annual $200 Dell credits that are already part of this card's benefits.  (3) Select cardmembers also receive a $200 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Green Card: Receive up to $80 in statement credits for U.S. wireless phone services (up to $10 per month, between 5/1/2020 and 12/31/2020).
  • Marriott Bonvoy Brilliant Card: (1) The annual $300 Marriott statement credits can be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 6x points at U.S. supermarkets, up to $7,500 in purchase, between 5/1/2020 and 7/31/2020.
  • Marriott Bonvoy Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Hilton Aspire Card: (1) The annual $250 Hilton resort credits can now be used towards U.S. restaurants, between 6/1/2020 and 8/31/2020.  (2) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (3) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (4) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).  
  • Hilton Surpass Card: (1) Earn 12x points at U.S. supermarkets between 5/1/2020 and 7/31/2020.  (2) Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.  (3) Unexpired free weekend night certificates as of 5/1/2020 and newer certificates issued until 12/31/2020, will be valid for any night of the week, and those issued between 5/1/2020 and 12/31/2020 will be valid for 24 months (instead of 12 months).
  • Hilton Card (personal): Hilton points earned through this card between 5/1/2020 and 12/31/2020 will be considered base points for qualifying Hilton elite status as well as Lifetime Diamond status.
  • Hilton Business Card: Select cardmembers receive a $50 statement credit when they renew between 5/1/2020 and 12/31/2020.
  • Delta SkyMiles Reserve, SkyMiles Platinum, SkyMiles Gold, SkyMiles Blue cards (personal): (1) All personal Delta cobranded Amex cards earn 4x miles at U.S. supermarkets, between 5/1/2020 and 7/31/2020.  (2) Select personal SkyMiles Reserve cardmembers receive a $100 statement credit when they renew between 5/31/2020 and 12/31/2020.  (3) Select personal SkyMiles Platinum cardmembers receive a $50 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Reserve Business: select cardmembers receive a $125 statement credit when they renew between 5/31/2020 and 12/31/2020.
  • Delta SkyMiles Platinum Business: select cardmembers receive a $75 statement credit when they renew between 5/31/2020 and 12/31/2020.

Bank of America
  • Premier Rewards: Receive $50 statement credits for grocery & dining through 12/31/2020.
  • Travel Rewards: You may redeem points for statement credits towards grocery & dining at 1 cent per point value through 12/31/2020 (in addition to the regular travel redemption option at this value).

Capital One
  • Venture, VentureOne: Receive 5x miles on Uber Eats between 7/14/2020 and 1/31/2021.
  • Savor, SavorOne: Receive 5% cash rewards on Uber Eats between 7/14/2020 and 1/31/2021.

Chase
  • For those who open a new credit card (personal or small business) between 1/1/2020 and 3/31/2020, the period to meet spending requirements to receive signup bonus is extended for three months.
  • Sapphire Reserve Card: (1) The annual fee will be reduced from $550 to $450 when you renew between 4/1/2020 and 12/31/2020.  (2) The annual $300 travel credit will apply automatically to groceries and gas stations between 6/1/2020 and 12/31/2020 (in addition to the regular travel category).  (3) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.5 cents per point (in addition to the regular travel category redemption through Chase booking portal).  (4) Between 5/1/2020 and 6/30/2020, earn 5x points on groceries, up to $1,500 in purchases per month.  (5) Between 7/1/2020 and 9/30/2020, (a) earn 10x points on select streaming services*, up to $1,500 in purchases, (b) earn 5x points on gas stations, up to $1,500 in purchases, and (c) earn 5x points on Instacart, up to $3,000 in purchases; *eligible streaming services include Apple Music, Disney+, ESPN+, Fubo TV, Hulu, Netflix, Pandora, Sling, SiriusXM, Spotify, Youtube TV, and Vudu.  (6) Receive up to $50 in statement credits towards Instacart Express membership; Instacart Express membership usually costs either $9.99 per month or $99 per year, and provides the following benefits: (a) zero delivery fees on orders over $35 (typically $3.99-$7.99 per order), (b) reduced service fees (typically 5%), and (c) zero busy pricing fees during peak delivery hours.  (7) Don't forget the two useful DoorDash benefits that has already existed before the pandemic: (a) one year DoorDash DashPass subscription service for free - activate before 12/31/2021; this subscription service offers zero delivery fee and reduced service fees on food orders over $12 via DoorDash; (b) Receive $60 statement credits for DoorDash purchases through 12/31/2020 and another $60 through 12/31/2021.
  • Chase Sapphire Preferred: (1) Between 5/31/2020 and 9/30/2020, Ultimate Rewards points can be redeemed in statement credits for groceries & dining & home improvement at a fixed value of 1.25 cents per point (in addition to the regular travel category redemption through Chase booking portal). (2) Earn 3x points on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.  (3) Between 7/1/2020 and 9/30/2020, (a) earn 5x points on select streaming services, up to $1,500 in purchases, (b) earn 3x points on gas stations, up to $1,500 in purchases, and (c) earn 3x points on Instacart, up to $3,000 in purchases.  (4) Receive up to $50 in statement credits towards Instacart Express membership.  (5) ​Sapphire Preferred cardmembers also continue to receive this DoorDash benefit: one year DoorDash DashPass subscription service for free - activate before 12/31/2021.
  • United Club Infinite Card, United Club Card, United Presidential Plus Card: Earn 5x miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020.
  • Marriott Bonvoy Boundless, Bonvoy Bold, Marriott Rewards Premier: (1) Earn 6x points on groceries, up to $6,000 in purchase, between 5/1/2020 and 7/31/2020. (2) Earn 10x points on dining & gas, up to $3,500 in purchase, between 7/15/2020 and 9/15/2020 - unlike most other benefits that are automatically applied, you need to activate this one on Chase website at https://www.chase.com/mybonus.
  • The following cards earn 3 points or miles on groceries, up to $1,500 in purchase per month, between 5/1/2020 and 6/30/2020: United Explorer Card, United MileagePlus Select Card, Southwest RapidRewards (RR) Plus Visa, Southwest RR Premier Visa, Southwest RR Priority Visa, British Airways Visa, Iberia Visa, Aer Lingus Visa, World of Hyatt Visa, Hyatt Visa, IHG Rewards Club Premier WEMC, IHG Rewards Club Select MC, and Disney Premier Visa.

 Citi 
  • For those who open a credit card (personal or small business) between 12/1/2019 and 5/31/2020, the period to meet spending requirement to receive signup bonus will be extended for three months.
  • Citi Prestige: (1) The annual $250 travel credits can be used towards groceries & dining, between 5/1/2020 and 12/31/2020.  (2) Earn 5x points on online purchases, up to $1,500 spent in this category (in addition to the regular 5x on airlines | travel agencies | dining, 3x on hotels | cruise lines), between 6/2/2020 and 8/31/2020.
  • Citi Premier cardholders who applied on or after April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries & dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through August 22, 2020.  (3) Effective August 23, 2020, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi Premier cardholders who applied before April 10, 2020: (1) Effective June 2, 2020, earn 3x points on groceries and dining.  (2) Continue to earn 3x on travel & gas and 2x on entertainment through April 9, 2021.  (3) Effective April 10, 2021, earn 3x on airlines & hotels & gas & groceries & dining and 1x everywhere else.  (4) Effective August 23, 2020, earn $100 annual hotel credits when you purchase a hotel stay $500 or more through ThankYou.com.  (5) Effective April 10, 2021, the fixed value travel redemption will be reduced from 1.25 cents to 1 cent per point.
  • Citi AA Executive: Cardholders that renew after 3/31/2020 receive a $225 statement credit, which equals to half of the annual fee.
  • Citi AA Platinum Select: The annual $125 flight discount certificates (after $20K annual spending) that are expiring between 3/31/2020 and 5/31/2020 will be extended for 6 months.
  • CitiBusiness AA Platinum Select: The annual $99 companion certificates (after $30K annual spending) that are expiring on 12/31/2020 will be extended for 6 months.

HSBC
  • Premier Word Elite MasterCard: (1) Earn 3x points at groceries stores & wholesale clubs & convenience stores between 5/1/2020 and 7/31/2020. (2) You may now use the annual $100 Uber credits towards Uber Eats between 5/1/2020 and 7/31/2020 (regularly this credit can only be used towards Uber ride share service).

U.S. Bank
  • US Bank Altitude Reserve: (1) The annual $325 travel credits can be used towards dining, between 6/1/2020 and 12/31/2020.  (2) Earn 3x points on dining (in addition to the regular 3x on travel & mobile wallets), between 6/1/2020 and 12/31/2020.

© 2011-2020 DrCreditCard.net  All rights reserved.
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September 28, 2017 Updates - Alliant Visa Signature now a Top 10 Best Card, BofA Premium Rewards Visa Review up, and increased Delta Amex offers

9/28/2017

5 Comments

 
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Alliant Credit Union Visa Signature, which carries a $59 annual fee and offers unlimited 3% cashback for the first year and 2.5% cashback thereafter, was introduced earlier this year, but I haven't got a chance to write the review and crunch the numbers until recently.  After Year 1, you need to spend $11,800 a year on this card to beat a 2% cashback card with no annual fees, such as Alliant Visa Platinum Rewards, Citi Double Cash, or Fidelity Visa, as $11,800 x (2.5 - 2)% = $59.  If your have large annual spendings, this card is hugely lucrative - for example, if your annual spending is $100K, you will earn an additional $440 over a 2% card after considering the $59 annual fee.  After I put this card through our analysis considering all four "P" factors, this card becomes the #2 Best Credit Card for Rewards and #9 Best Credit Card by Dr. Credit Card.  Even though we are sad to see one of our longtime favorite Amex Premier Rewards Gold dropping out of the Top 10 list, the more competition the better for the consumers.
If you ever wonder if Alliant Visa Signature is the best cashback card out there when you spend at least $12K a year, there are a few options you may want to look into:
  • If you qualify for a USAA Credit Card and keep monthly direct deposit of at least $1,000 in your USAA checking account, you will earn unlimited 2.5% cashback without an annual fee.  However, not everybody is eligible to become a USAA member.
  • For BofA customers who has a combined balance of $100K+, the new BofA Premium Rewards Visa will likely be a better card, as it offers unlimited 2.625% cashback for general spending and 3.5% for travel and dining, assuming you will be able to make use of the annual $100 airline incidental credit to effectively cancel out the $95 annual fee.
  • Merrill Lynch Octave is by-invitation only and is exclusive to Merrill Lynch's richest clients (requiring at least $10M in asset with them).  If you qualify for this card, the annual fee will be consider $600 after you make use of $350 annual travel credit.  With that, you enjoy a few other travel perks including airfare discount, which may or may not offset the hefty effective annual fees.  However, the biggest perk is 2.5x points earning rate for everything, and your cashback equivalent rate is up to 5%.  Note that you may only achieve 5% by redeeming for tickets that are exactly $500 each.  In reality, it should be reasonable to achieve a redemption value of 1.6 cents per point, then your earning rate will be 4% which is still amazing.

The bottom line: for most consumers, Alliant Visa Signature is the "King of Cashback".  We could only hope that it won't be dramatically changed in the near future.
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Of course, we have been making other updates throughout the site.  For example, early this week Amex has again brought back limited time offers for the four Delta SkyMiles Amex Cards: personal and business Gold (60K miles + $50), personal and business Platinum (70K miles + 10K MQMs + $100).

© 2017 DrCreditCard.net  All rights reserved.
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August 6, 2017 Update - Citi Executive AA 75K, Synchrony Cathay Pacific 50K, CNB Crystal 50K, etc.

8/6/2017

0 Comments

 
We have been making updates throughout the site in the past couple of weeks.  Here are some highlights:
  • Citi AAdvantage Executive WEMC has been offering a signup bonus of 75,000 miles.  The card carries a $450 annual fee but provides full American Airlines Admirals Club membership for the primary cardholder and the complimentary access to the Admirals Club for each authorized user who can be added without a fee.
  • Synchrony Bank has increased signup bonus of Cathay Pacific Visa from 25,000 miles to 50,000 miles.  The $95 annual fee is not waived.
  • CNB Crystal Visa Infinite has a in-branch only signup bonus of 50,000 points.
  • BofA Virgin Atlantic WEMC has an increased signup bonus of 75,000 miles (advertised as 90K as usual).
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November 11, 2016 Updates - BofA MERRILL+ Visa 50,000 points (our value $800), super-exclusive Merrill Lynch Octave Amex review, new Chase Marriott Visa offer (two free nights and more)

11/11/2016

2 Comments

 
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We have been continuing to make updates throughout the site.  Here are some highlights:

  • BofA MERRILL+ Visa Signature has an incredible 50,000 points offer.  Please see our review for details.  There are reports indicating that you don't need a Merrill Lynch relation to apply and get approved, and a relationship with Bank of America may or may not be required.  50K points are worth $500-$1,000 and we think it should be reasonably easy to redeem them for $800 in airfare.  Even though this card is worth keeping after the first year as there is no annual fee, we won't recommend it for general spending.
  • We also reviewed the super-exclusive BofA Merrill Lynch Octave Amex, which carries an annual fee of $950 and is by-invitation-only exclusively for Merrill's richest clients who maintains at least 10 million dollars in asset with them.  The most interesting feature of the card is the up to 5% travel rewards for general spending (4% is reasonably achievable).
  • Chase Marriott Visa has a new offer: two free nights at Category 1-5 hotels & $200 statement credit after spending $3,000 within 3 months of new account opening, an additional 7,5000 points after you add the first authorized user and make the first purchase within the same 3 months, and waived first year annual fee ($85).  The old offer of up to 87,500 points is still available.  Please see our review for details.  As for which offer is better, it depends on your value for Marriott points and free nights.  In our book, the new offers is worth $445 and the old offer is $440 - about the same.
  • Please always check our Promotion page for the current credit card signup offers which are ranked by our value.     
2 Comments

Weekly Update (May 30 - June 3, 2016)

6/3/2016

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Please check out our Promotions page for currently the best offers including four new offers: 60,000 miles on Citi AA Executive WEMC, 60,000 miles + 10,000 MQMs + $100 credit on Amex Delta Platinum SkyMiles (personal or business), 50,000 miles + $50 credit on Amex Gold Delta SkyMiles (personal or business), and 30,000 miles + $100 credit + a $99 companion certificate on BofA Alaska Visa.

Our Points page has been updated to reflect our revised recommendations for the Best Two-Card Combos, which we copy below:

Best Rewards Credit Card Combos
Theoretically you need way too many cards to maximize rewards - one for gas, one for groceries, one for dining, one for airfare, one for hotels, one for general spending, and so on.  In real life, most of us can't manager that.  That is why here we will recommend the best two-card combos that will hand you much bigger rewards than a single card while still keeping things manageable.
  • Fidelity Visa | Citi Double Cash + one category bonus cashback card: This combo is for people who love cash back!  As presented before, Fidelity Visa and Citi Double Cash, both with no annual fees and offer a straightforward unlimited 2% cashback, are extremely hard to beat.  Of course, you may also consider Barclays Arrival Plus for 2.11% travel rewards and other added benefits come with the $89 annual fee.  No doubt you will put most of your spending on one of these three cards.  However, adding a 5% category bonus card will certainly get you more cash.  You need to do your math to figure out which category you spend the most and how much you can earn by carrying an extra card.  Say if you spend $500 each month on a 5% category, every year you will earn $500 x 12 x (5-3)% = $180 beyond your normal 2% cash back by carrying this extra card.  Some people may say "$180 is awesome! I am in." but some may say "For the hassle of remembering which card to use, I will pass."  So it is totally up to you.  Now let's look into the most popular bonus categories to give you some ideas: (a) Groceries: Amex Blue Cash Preferred ($75 annual fee, 6% on groceries for up to $6,000 spent each year) - to maximize cashback, you will spend $6,000 a year on groceries and the extra cashback you earn beyond 2% is $6,000 x 4% - $75 = $165; (b) Gas: PenFed Platinum Rewards Visa Signature ($0 annual fee, 5x points on gas) - if you monthly gas expense is $600, the extra cashback  beyond 2% is $600 x 12 x 2.25% = $162;  (c) Airfare: PenFed Premium Travel Rewards Amex ($0 annual fee, 5x points on airfare) - if your annual airfare expense is $8,000, the extra cashback beyond 2% is $8,000 x 2.25% = $180; (d) Chase Freedom or Discover it ($0 annual fee, 5% on quarterly rotating categories, up to $1,500 spent each quarter) - the annual maximum extra cashback beyond 2% is $1,500 x 4 x 3% = $180; (e) US Bank Cash+ ($0 annual fee, 5% on two categories you select, up to $2,000 spent each quarter) - the annual maximum extra cashback beyond 2% is $2,000 x 4 x 3% = $240.
  • Amex SPG + Amex Premier Rewards Gold | Citi ThankYou Premier: This powerful combo is for people who prefer miles/points to cashback.  Amex SPG will be the card for most general spending, as it has the highest return rate (=2.25%) among all four programs that allow points transfer to frequent traveler miles/points.  Then, you may choose between PR Gold and ThankYou Premier as the second card.  Both offer very powerful bonus categories: PR Gold covers airfare (3x) and gas & groceries & dining (2x); ThankYou Premier covers gas & travel (3x) and dining & entertainment (2x).  While Amex MR points and Citi ThankYou points are worth pretty much the same in our book, which card to pick eventually depends on your spending patterns and the frequent traveler programs you have in mind for transfer.  Finally, you may also consider Sapphire Preferred, Amex EDP, or Citi Prestige as the bonus category card.
  • Amex EveryDay Preferred + Citi Prestige: We highly recommend this combo as an alternative to the previous one, for the simple reason that the two cards complement each other in the bonus categories almost too perfectly.  With 30 transactions per month, EDP offers highest return for groceries (4.5x, up to $6,000 spent each year) and gas (3x), while Prestige covers airfare & hotels & travel agencies (3x) and dining & entertainment (2x).  So with this combo, you can easily cover the five most important bonus categories: grocery, gas, dining, airfare, and non-air travel, with only two cards - that is an incredible deal!  As for general spending, EDP returns higher rewards at 1.5x (=2.25%) and will be ideal for most purchases.  However, we recommend using Citi Prestige for items that may have price drop within 60 days such as electronics for the Citi Price Rewind benefit, and when traveling abroad for the waived foreign transaction fees and embedded EMV chip.
  • Chase Freedom Unlimited + Chase Sapphire Preferred: Even though Chase Freedom Unlimited is branded as a cashback card, it actually earn UR points at 1.5x for all purchases without an annual fee.  Normally you won't be able to transfer UR points earned through Freedom Unlimited to frequent traveler miles/points since it is a lower tier UR product, limiting the value of a point at 1 cent.  However, the secret here is that if you have a premium UR card such as Sapphire Preferred, you can transfer the UR points earned from Freedom Unlimited to Sapphire Preferred account so all of sudden these points become transferable to miles/points.  This hugely increases the value of Freedom Unlimited, making it returning an impressive 2.25% cashback equivalent for general spending based on our current valuation of UR points.  Obviously, Sapphire Preferred will be the card to charge to for travel & dining (2x).  In addition, we recommend using Sapphire Preferred for foreign travel and items that may have price drop within 90 days.  Lastly, if you don't mind having three cards in your wallet, adding Chase Freedom, which returns 5x on quarterly rotating categories, will make amazing Chase UR triplets.  UR points earned through Freedom are also transferrable to frequent traveler miles/points when you have Sapphire Preferred, and then Freedom returns an incredible 7.5% on 5x categories.  Bear in mind there is a quarterly $1,500 spending cap for the 5x categories on Freedom, so if you do everything exactly right, you will be earning an extra 21,000 UR points a year (1,500 x 4 x (5 - 1.5) = 24,000) by adding this non-fee card to your wallet.
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