Please be advised that this site includes affiliate links that pay commission and referral links that provide other forms of benefits such miles or points. Should you apply for a credit card and get approved through the links that were provided by this website, it is understood that some form of compensation will be made to the website owner. You can read the full advertiser disclosure here. All information related to credit cards has been collected independently by MileMoa.com and has not been reviewed or provided by the issuers of credit cards discussed here. While the offers mentioned below are accurate at the time of publication, they are subject to change at any time and may have changed, or may no longer be available.
Did you have a happy Thanksgiving?
It's already the last quarter of 2025.
There were a lot of new card deals this quarter, too.
I applied for the Alaska Summit card in early September and got the mermaid.
![아트모스 리워드 비자 인피니트 신용 카드가 표시된 디지털 메시지와 함께 텍스트가 표시됩니다: 승인되었습니다! 축하합니다 [이름], 신용 카드가 승인되었습니다. 신청 상태: 상태: 승인됨.](https://www.milemoa.com/wp-content/uploads/2025/10/summit-approved-sep-2025.jpg)
However, I couldn't resist the lure of the new card offers and got approved for a Strata Elite card today ;);
In today's post, we've rounded up some of the best card offers to make these days, including some limited-time offers that are still alive.
Table of Contents
1. Citi Strata Elite Card: 100,000 points
First up is the news that the sign-up bonus for the Citi Strata Elite℠ Card, which was newly launched in early August, has gone up from 80,000 to 100,000.
The $100,000 offer was previously only available in person at a Citi bank branch, but both the official website and affiliate link have been updated with a 3-month $6,000 spend requirement.
This card is the most premium of the ThankYou points-earning cards, and now that American Airlines has been added as a points transfer partner airline, it's the most premium of the ThankYou cards. Signup Bonus 100,000 points = 100,000 AA milesin the following example.
This card has an annual fee of $595, Multiple benefits to offset the annual feefor example.
It depends on your personal travel patterns, but I think you could easily spend $300 on a hotel and $200 on AA or BestBuy, which would more or less cover the annual fee. AA lounge access is a bonus.
You'll need to enter your AA membership number on the card application screen to get the AA Lounge Pass, so it's a good idea to have it handy.
| Citi Strata Cards | |
|---|---|
| Disclosure | Information about these cards has been collected independently by MileMoa. The issuer did not provide the details, nor is it responsible for their accuracy. |
| Strata Elite ($595 annual fee) | 100,000 points as a welcome bonus after spending $6,000 in 3 months (Citi Strata Elite℠) |
| Strata Premier ($95 annual fee) | 60,000 points as a welcome bonus after spending $4,000 in 3 months (Citi Strata Premier® Card) |
| Strata (no annual fee) | 30,000 points as a welcome bonus after spending $1,000 in 3 months (Citi Strata℠ Card) |
2. Citi, AA Business Card: 75,000 miles
Below are American Airlines' business card offers issued by Citi.
The card is called the Citi® / AAdvantage Business™ World Elite Mastercard® Card.
- You'll receive 75,000 AA AAdvantage® miles after spending $5,000 in the first 5 months after opening the card.
- Baggage benefits (terms apply), and more.
I've been getting great value on AA miles lately, so this is a great opportunity if you need AA miles.
I should also point out that the card is a business card, so it doesn't count toward the subsequent Chase 5/24.
| AA Business Card (Citi® / AAdvantage Business™ World Elite Mastercard) | |
|---|---|
| Basic features | 75,000 miles after 5 months of $5,000 spend |
| No international usage fees | |
| $99 (first year annual fee waived) | |
| AA flies nonstop from Dallas to Incheon, and off-peak economy one-ways usually start at 3.5k miles (much more when it's expensive, of course). | |
| For more info | About page in English |
3. Chase, United Business Card
We had big news today.
On United Airlines Great news that Newark Airport in New Jersey will begin nonstop flights to Incheon next September.is.
The good news is that you have one more option to redeem your United miles.
Then you'll need to earn more UA miles, right?
There are several United Airlines partner cards issued by Chase.
Right now, the United℠ Business Card is running a decent promotion.
That's 100,000 miles for spending $5,000 in 3 months.
With 100,000 miles, you can get a one-way off-peak US-South Korea business flight with miles, so it's easily worth $2,000 or more in cash value.
| United Card (updated on 11.08.2025) | |
|---|---|
| Basic features | Cardholders have access to XN fare classes, making it relatively easy to secure seats when redeeming United miles (except for Gateway cards as of 8/1) |
| Business cards | United℠ Business Card 3 months $5,000 75,000 miles + 2,000 Premier qualifying points |
| Personal cards | United℠ Explorer Card 3 months $3000 60,000 miles |
| Personal cards | United Quest℠ Card 3 months $4,000 70,000 miles + 1,000 Premier qualifying points |
| Personal cards | United Club℠ Card 3 months $5,000 90,000 miles |
4. Ink cards with no annual fee, 90,000 point offer
Here are some great offers for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card from Chase.
We launched the offer in mid-September, and based on past experience, we expect it to run through early November, but I don't know what this year will be like.
Both cards have a 90,000 point offer, the highest ever (after 3 months of $6,000 spend)
Chase Ink card approvals have been tricky lately, and I've heard that existing Ink cardholders may not be approved if they have multiple Ink cards.
So if you're thinking about applying for a new card before this offer ends, you may want to close your existing cards in advance, or consider reconsidering in exchange for reducing the number of cards you have after you've been declined.
| Chase Ink Cards | |
|---|---|
| Basic features | These business cards are issued by Chase and feature no annual fee. |
| Features | It's advertised as cash back, but it earns Ultimate Rewards (UR) points, Chase's own points, which can also be converted to airline miles and hotel points when combined with the so-called Dorrance card. |
| Recommendations | 1. the Ink Unlimited card earns 1.5 points per dollar spent, regardless of the item 2. the Ink Cash Card earns up to 5 points per dollar, depending on the item (office supply store, internet, cable, and phone items earn 1.5 points per dollar up to $2.50 per year; restaurants and gas stations earn 2 points per dollar up to $2.50 per year) |
| Learn More | Ink Business Unlimited® Credit Card (Ink Unlimited) Earn 90,000 UR points worth $900 in cash after spending $6,000 in 3 months |
| Learn More | Ink Business Cash® Credit Card (Ink Cache) Earn 90,000 UR points worth $900 in cash after spending $6,000 in 3 months. |
5. Amex, Platinum cards, up to 200,000 points
The Amex Platinum card revamp literally hit me like a ton of bricks.
For personal cards, Resy and Lululemon are great to use.
Even with the business card, it's easy to find value in the annual fee with benefits like $200 annual airline credit + $200 Hilton ($50 quarterly) + $600 FHR ($300 semi-annually).
Amex MRs convert 1:1 to Delta Air Lines miles.
For the last 2-3 years, we've been able to book US-Korea business one-way tickets at the 130,000-150,000 level during the peak summer season.
In that regard, I think you might want to consider strategizing for Amex MR = Delta = peak season business ticketing (Of course, there's no guarantee that Delta will continue to offer Delta One discounts during the peak summer season. This is where AYOR comes in.)
| Platinum cards issued by Amex | |
|---|---|
| Recommendations | Both the personal and business cards come with tons of extra perks, making the annual fee well worth it ($895 for both cards). The $600 FHR credit added to both the personal and business cards is a big plus. Other great perks include $200 for airline (personal + business), $200 for Hilton (business), $300 for lululemon (personal), and $400 for Resy (personal). |
| Learn More | American Express Platinum Card® (Personal Platinum) As high as 175,000 points after spending $8,000 in 6 months (You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.) |
| Learn More | The Business Platinum Card® from American Express (Business Platinum) Earn 200,000 Membership Rewards when you spend $20,000 in 3 months (Earn 200,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership). |
6. Sapphire Reserve Business, up to 200,000 points
In terms of the sign-up bonus itself, the best offer right now alongside the Amex Business Platinum is the Sapphire Reserve for Business℠ card.
The spending requirement of $30,000 in 6 months is crazy, but you can get 200,000 UR points in one room.
The card comes with a number of benefits that can help offset the annual fee, which you can learn more about in the See our previous postand we think you'll find it helpful.
| Chase Sapphire Reserve (Sari): Personal, business card | |
|---|---|
| Business cards | Sapphire Reserve for Business℠ NEW: 200,000 points after 6 months of $30,000 spend |
| Personal cards | Chase Sapphire Reserve® Highest bonus ever: 125,000 points after spending $6,000 in the first 3 months of card issuance |
7. BoA, Alaska Atmos card offer, up to 80,000 miles
[Update, 10/29/2025: The maximum offer has changed to 80,000 points - 80,000 for Summit and 60,000 for Ascent].
The Alaska Airlines Mileage Card offer, issued by Bank of America, is also ongoing.
With the rebranding to Atmos, the offer on the base card (Atmos™ Rewards Ascent Visa Signature® Credit Card), which has a $95 annual fee, has increased to 80,000 miles.
The new Summit card (Atmos™ Rewards Summit card) is worth 100,000 miles. You'll also get a 25,000-mile Global Companion Award every year, including the first year, which is a great deal for those who can put it to good use.
Alaska is great because you can book on Korean Air, and as a oneworld member, you can also book on Japan Airlines, AA, etc.
| Alaska Airlines Atmos Affiliate Card (10/29/2025) | |
|---|---|
| Basic features | Alaska Airlines completed its merger with Hawaiian Airlines, launching a newly named mileage program. At the same time, they also upgraded their partner cards. |
| Features | It has alliances with several airlines, including Korean Air, JAL, and others. |
| Recommendations | 1. The Summit card has a high annual fee, but it earns 3 points per dollar spent abroad. The 2.5K Global Companion Award you get each year is also a great perk for those who can use it well. 2. the Ascent card and business card have great sign-up bonuses for the annual fee |
| Learn More | Atmos™ Rewards Summit Personal Card 80,000 miles + when you spend $4,000 within 90 days 2.5K point Global Companion Award. $395 annual fee. |
| Learn More | Atmos™ Rewards Ascent Personal Card 60,000 miles + $99 Companion Fare when you spend $3,000 within 90 days (plus taxes and fees from $23). I also received a 30% global flight discount code. Please note that this code has a number of restrictions. 95 annual fee. |
| Learn More | Atmos™ Rewards Visa Signature® Business Card 60,000 miles + $99 Companion Fare (plus taxes and fees from $23) after $4,000 in spend within 90 days. 95 annual fee ($70 company + $25 per card) |
8. Amex, Delta personal/business card offers
A limited-time offer on Delta cards issued by Amex is running through October 29th.
All three personal and three business cards have increased welcome bonuses, and you can earn up to 125,000 miles.
There is one caveat for the Delta Personal Card.
This is the so-called family rule, which says that if you get a higher-tier personal card first, you can't get a welcome bonus for a lower-tier personal card later.
For example, the terms and conditions for Delta SkyMiles® Gold American Express Card reads as follows
"You may not be eligible to receive a welcome offer if you have or have had this Card the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards."
What does this mean? There are three tiers of personal cards: Gold, Platinum, and Reserve. And if you get a Platinum or Reserve card before a Gold card, you won't get the welcome offer for the Gold card.
So if you're getting your first Personal Delta Card, you should definitely start with a Personal Gold Card first.
Fortunately, the personal gold card (Delta SkyMiles® Gold American Express Card) is a decent card to recommend as a first Amex card.
To summarize the benefits,
- $0 introductory annual fee for the first year, then $150 for the second year.
- 80,000 welcome bonus miles after spending $3,000 in 6 monthsredeemed like $800 cash for Delta tickets
- Up to $100 credit for hotel bookings on Delta sites (calculated on a calendar year basis)
- $200 Delta credit when you spend $10,000 (in calendar year) (subject to redemption within one year of receiving credit)
So I'd say it's easily worth around $800-900.
The family card rules I mentioned earlier don't apply to business cards, so it's worth remembering that.
| Delta Personal Cards | |
|---|---|
| Basic features | There are three types of Delta personal cards issued by Amex. |
| Cardholders can redeem miles like cash for Delta ticket purchases. 10,000 miles = $100. | |
| For Platinum and Reserve cards, lounge access policies and elite tier calculations have changed completely starting in 2024. | |
| Learn More | Gold card info page ($2,000 for 6 months, 50,000 miles) Delta SkyMiles® Gold American Express Card |
| Learn More | Platinum card info page (63,000 per month, 60,000 miles) Delta SkyMiles® Platinum American Express Card |
| Learn More | Reserve card information page (65,000 per month, 70,000 miles) Delta SkyMiles® Reserve American Express Card |
| Delta Business Cards | |
|---|---|
| Basic features | There are three types of Delta business cards issued by Amex. |
| Delta cardholders can redeem Delta miles like cash for Delta ticket purchases: 10,000 miles = $100 | |
| For Platinum and Reserve cards, be aware that lounge access policies and elite tier calculations have changed since 2024. | |
| Learn More | Gold card information page (64,000 per month, 60,000 miles) Delta SkyMiles® Gold Business American Express Card |
| Learn More | Platinum card information page ($6,000 for 6 months, 70,000 miles) Delta SkyMiles® Platinum Business American Express Card |
| Learn More | Reserve card info page ($12,000 for 6 months, 80,000 miles) Delta SkyMiles® Reserve Business American Express Card |
9. Hilton Affiliate Cards
The Hilton partner cards issued by Amex have also updated all of their offers as of October 1.
This is a full points offer, not an overnight stay.
For Marriott and IHG, the offers for all points are usually better, but for Hilton, the deductions have increased a lot recently, so it's hard to get a one-night stay at a hotel with 100,000 points;
So, if you're thinking of Amex as a solid first card, or if you need Hilton points in a hurry, I'd only consider applying for it.
| Hilton Affiliate Cards (updated: 10.01.2025) | |
|---|---|
| No annual fee personal card | 100,000 points as a welcome bonus after spending $2,000 in 6 months. Terms apply. Hilton Honors American Express Card |
| Midtier personal card | 155,000 points as a welcome bonus after spending $3,000 in 6 months. Terms apply. (Hilton Honors American Express Surpass® Card) |
| Business cards | 175,000 points as a welcome bonus after spending $8,000 in 6 months. Terms apply. (Hilton Honors Business Card) |
10. Chase, IHG card offers (through 10/22)
Chase-issued IHG personal and business cards are on sale through October 22nd.
1) The personal card, called the New-IHG, is the IHG One Rewards Premier Credit Card, which earns 165,000 points after spending $3,000 in 3 months.
2) Up to 200,000 points for business cards, the highest level everin the response.
3 months $4,000 You'll get 140,000 points for redeeming first.Additionally, if you spend $9,000 in total within 6 months (i.e. an additional $5,000), you'll get an additional 60,000 points.
3) For this offer, the Traveler offer, which is a personal card with no annual fee, is fine.
You'll receive 40,000 points + 2 night stays after spending $2,000 in 3 months.These nights are said to be good for up to 50,000 point rooms per ticket.
I'd say the signup bonus is up to 140,000 points if you redeem the nights for exactly 50,000.
However, it's worth noting that similar promotions in the past don't seem to allow you to add points to your stay, so it may not be easy to get to 50,000.
Additionally, it's important to note that the personal cards cannot be held concurrently with the so-called old IHG cards (IHG One Rewards Select Card) that were issued in the past.
"All information about IHG One Rewards Select Card has been collected independently by MileMoa. IHG One Rewards Select Card is no longer available through MileMoa."
| IHG Personal, Business Card | |
|---|---|
| Basic features | There are three IHG cards issued by Chase: two personal cards and one business card. Note that you can't have both personal and business cards. |
| When a cardmember redeems points for a stay, only three nights of points are deducted for stays of four or more nights (the fourth night is deducted as zero, not the average). | |
| For more info | IHG One Rewards Premier Business Credit Card 3 months $4,000 140,000 points |
| For more info | IHG One Rewards Premier Credit Card 3 months $3000 140,000 points |
| For more info | IHG One Rewards Traveler Credit Card 80,000 points for a 3-month $2,000 stay |
Let's wrap up today's post.
It's almost the end of the year, and it's nice to know that there are still good offers out there.
However, we emphasize every time, but it bears repeating, that opening a new card means that you must stick to the "pay it off every month" rule.
Because if you can't stick to this principle, new cards = more debt.
We hope you all make the right choice and get the most out of your miles/points.
Featured image: 613307250 (depositphotos)
English 
Korean
50 Comments. Leave new
It really is a bountiful season with lots of deals 🙂 Thanks for the info.
It would be great to see it continue through the end of the year.
Thank you for all your hard work. I got the Biz IHG card through your link. I hope you always have a healthy and warm fall and winter.
Congrats on the mermaid and thanks for the link.
That's a lot of good offers, thanks for organizing them.
I'm thinking of applying for the Atmos Summit card, and was wondering if you could give me an idea of how long the offer will last?
I have a card that I'm currently spanning.
We don't have any information at this time, but we'll update as soon as we do.
Thank you as always.
Can a business traveling to South Korea on Delta afford multiple mile tickets?
I heard there is only one seat open for Korean Air business with Aleska Airlines....
If two people want to go, is it best to pay one with Miles and one with Money?
I'm researching which card and how many points to accumulate for a business trip to Korea next October.
You're flying out of LAX and only have 500,000 UR and 100,000 UA.
1. on Delta, seat availability was plentiful (at least in my experience), as I was able to book a one-way family business ticket for 4 for 130-140k miles per person with the card 15% discount.
2. you never know what's going to come up when it comes to mileage seats, so I think it's a good idea to have a variety of miles. Since you don't have MRs, I'd suggest building up a balance on an Amex flat business card or something. At 200,000 points at a time, I'd say you could probably do a business one-way for 2 people if you factor in spending and earning miles (assuming Delta has a mileage discount, of course).
Atmos™ Rewards Summit card
Approved, thank you.
I'm going to try Amex Flatbusiness in my husband's name.
Congratulations on your approval.
and congratulations. I too got the Summit card in September, filled it with spending money, and am now running an Inkcard in my wife's name, but I'm considering the Strata Elite for my next card. I'm wondering if I should hold out for 7/24.... ㅎㅎㅎ
There's a lot of premium tier cards out there these days, so I'm constantly wondering what else I should make 🙂 .
It's been a long time since I've replied to a blogmain post. IHGBiz LinkTago Mermaid Thanks for the link, always appreciate it.
Congratulations mermaid, and thanks for the link. We're always grateful for the time you spend organizing the information on the boards, so I'd like to take this opportunity to thank you again.
hello.
I saw your post and went in to get the Amex Platinum and when I logged in, it said I had 8,000 welcome points. Is there any way to get 175,000 points?
You can try without logging in, or open the link in an incognito window. Another option is to check back daily. The offers seem to keep changing.
I checked, and it appears to come out to 80,000 points.
Oh man, 80,000 is really too much for me.
I got the P2 IHG Private Premier with your link! My referral link didn't bring up the same offer;lol Thanks!
Congrats on the mermaid and thanks for the link.
I was thinking about it, but I got the Strata Elite mermaid through Mamo's link! Be careful of the seasonal cold and thank you always~.
Congratulations mermaid and thanks for the link. We hope you have a great day.
Thanks for the info! I got the inkcash ina, I kept getting rejected when I applied before, but I applied a week after I canceled the old unlimited, so please ina.
Congratulations, Mermaid. I've heard that Chase looks at business card holdings pretty tightly these days, and it looks like it's true. Thanks for sharing your story.
Thank you so much for the great information, I'm learning a lot thanks to you. Also, could you please notify me when membership becomes available? I'll apply right away, thank you.
Thanks for the info~!
And sign up for the signup notification email list
Thank you ^^ Good luck
Added.
Added your email to the notification list.
I'm on the signup notification list, too!
Added.
We'd love to add you to the signup list.
Added.
Thanks for the great information.
After I get the IHG One Rewards Traveler Credit Card, can I also get the IHG One Rewards Premier Credit Card?
You can't hold personal cards at the same time because they have a no simultaneous hold rule, but you can after canceling the card + 24 months after receiving the sign-up bonus.
hello. Thanks for the great information as always! I got the Chase Marriott Bonvoy Boundless in July and filled all my spending a few weeks ago, how many weeks do I usually have to wait for the 5 free nights to come into my Marriott account?
I know that the spend fill comes in a few days after the invoice for the month.
Hi, thanks for the great information as always.
The IHG Traveller card fills the last spot you were looking for in your 4/24 status.
I was mermaided by a mile-a-minute link.
Thank you.
After filling up the 5/24, I'm now seeing non-Chase cards lol ;);
The BoA Alaska and Amex Delta terms look good, so is it okay to apply right away?
Also, I applied to be added to the list a while ago, so I'd appreciate it if you could check if I'm still on it ;);
1. congrats on the mermaid and thanks for the link.
2. unless you've been applying a lot lately, there shouldn't be a problem, but you do so at your own risk.
3. Yes. My registration is dated 2/15 of this year.
It's my first time commenting after always lurking, I applied for City Strata Elite and it's been a while since I've been able to get in.
Is it possible for me to be notified by email to sign up as well, Mamo?
Added.
I got the Atmos Ascent card with my ink sister from your link, and P2 got the Amex Gold on the same day. Thanks for the great info as always!
Congrats on the mermaid and thanks for the link.
I had the United Quest card for about 2 years and canceled it this summer because of the annual fee. Is there any chance I could get signed up for the Explore card?
I don't know if the family rule applies to the United card, so if it's been 2 years since you got the Explorer card signup and you don't currently have it, it's possible.
I got the Alaska personal card mermaid from your link, thank you as always!
Congrats on the mermaid and thanks for the link.
I currently have a United Personal Explorer card, can I open a business card?
Yes. I know you can, as long as you don't run into any constraints like 5/24 or something.
The Ink cards you posted above, it says 90,000 point offer, but when I follow the link, it says $900 cash back.
Can I ask if you get paid in points or cash back?
You'll receive 90,000 points. The offer details say "$900 Cash Back After You Spend $6,000 On Purchases In The First 3 Months From Account Opening: You will receive 90,000 bonus points with this bonus offer, which can be redeemed for $900 cash back."
Both the Ink Sister and Ink Cash cards are not Dorrance cards, so they don't convert to airline miles or hotel points on their own, so the main way to use them is as cash back, which is why the ad says $900 cash back. However, you do get the bonus as points, which you can then combine with other Dorrance cards.