Top Credit Card Bonuses for the Holidays, December 2023

Happy Holidays!  Please enjoy these hand-picked offers – I hope they help offset some of your holiday spending, or help you plan some amazing experiences with your loved ones in the coming year!

This little insiders’ newsletter is the result of many friends and family asking for great credit card and bank bonuses.  They might not beat eight maids-a-milking, but here are my eight top picks for December!

Top Picks, December 2023

  1. Hilton Aspire Card – 180,000 points, a free night plus an anniversary free night
  2. American Express Platinum Business Card – 120,000 points 
  3. American Express Platinum Card – 80,000-150,000 points**
  4. Chase Ink Business Unlimited Card – $900 bonus and 0% for 12 months
  5. Bank of America Premium Rewards – $600
  6. Barclays American Airlines Aviator Card – 75,000 miles
  7. Chase Marriott Card – 5 free nights
  8. Alto Crypto IRA – $50

Please read on to learn what makes these the right deals for right now!

HAPPY TRIPLE DIP SEASON!

What is triple dip season?  It’s the most magical time of year: when opening high end American Express cards (with high annual fees!) makes the most sense because.  Why?  Because you can collect THREE year’s worth of benefits – the tail end of 2023, all of 2024 and the beginning of 2025!  The magical triple dip!

1. Hilton Aspire Card – 180,000 points, a free night plus an anniversary free night

In addition to the sign up bonus, this card also offers:

  • $300 in flight credits ($50 in 2023, $50 each quarter of 2023, and $50 in 2024)
  • $400 (and possibly an extra $200 in 2025) in resort credits twice a year – these can be used for anything paid for at the resort including room charges, spa visits, meals or excursions!
  • This card also gives you Diamond status equating to free breakfasts and lounge access – this can really cut down on food and alcohol spending on trips.  Additionally, when you book with four nights with points, the fifth night is free!   

$550 annual fee, $6000 spend in 6 months

https://americanexpress.com/en-us/referral/LINDSAXlqT?XLINK=MYCP (Scroll to ASPIRE)

2. American Express Platinum Business Card – 120,000 points 

In addition to the sign up bonus points, this card also has many perks:

  • $600 in airline incidentals ($200 in 2023, $200 in 2024, $200 in 2025) ask me how to use this for flights!
  • $800 in credit to Dell.com ($200 in 2023, $200 first half of 2024, $200 second half of 2024, $200 beginning of 2025)
  • $189 in Clear credits to help you zoom through the airport!
  • $100 toward TSA Precheck or Global Entry (and also a credit for all of your employees)
  • $130 in wireless credits – $10 each month you have it open

These credits and the bonus are worth $3000+ (points are worth even MORE when you use them for flights and hotels).  Don’t worry if you’re not a traditional business owner – you can also qualify with gig work, tutoring or selling on platforms like Mercari and eBay!

$695 annual fee, $15,000 spend in 3 months

https://americanexpress.com/en-us/referral/LINDSAUgxm?XLINK=MYCP

3. American Express Platinum Card – 80,000-150,000 points**

Similar to the other AmEx cards – these credits really sweeten the deal:

  • $600 in airline incidentals ($200 in 2023, $200 in 2024, $200 in 2025) ask me how to use this for flights!
  • $100 in credit to Saks ($50 in 2023, $50 first half of 2024, $50 second half of 2024, $50 beginning of 2025)
  • $189 in Clear credits to help you zoom through the airport!
  • $100 toward TSA Precheck or Global Entry
  • $215 in Uber or Uber Eats credits – $15 each month and a $20 bonus each December

$695 annual fee, $8000 spend in 3 months

***This one requires you to be a little sneaky – which is totally normal around the holidays!  AmEx doesn’t give everybody the top bonus – try googling AmEx Platinum in incognito for your BEST chance of getting a high offer!

CASH IS KING! 

4. Chase Ink Business Unlimited Card – $900 bonus and 0% for 12 months

Perfect for traditional business owners and all those who are gig workers and side hustlers – even online sellers!

This card offers an all time high bonus of $900 or 90,000 points.  This card earns 1.5 points per dollar. As a side bonus – this card also has an amazing introductory 0% interest rate for the first 12 months.   So, after your required minimum spending you’ll have 99,000 points or $990!  That’s 16.5% return on spending… Wow!

NO annual fee, 0% introductory rate, $6,000 spend in 90 days

https://www.referyourchasecard.com/21o/DLY7BIMQHH

One note – Chase can be a bit picky and will only approve applications with 5 or fewer accounts opened in the last 24 months. They are fairly generous with bonuses and it’s pretty safe to get a new Chase card every 90 days.  They will even approve you for more than one Ink card (even the same one!) so this is a great card to add to your wallet.

5. Bank of America Premium Rewards – $600

This personal card has a great bonus of $600 and also provides $100 in airline incidental credits that can be used for baggage and seat assignment fees as well as $100 for Global Entry or TSA precheck.

$95 annual fee, $4,000 spend in 90 days

https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/

TOP PICKS FOR TRAVEL

6. Barclays American Airlines Aviator Card – 75,000 miles

This is an amazing offer – there is no minimum spending required!  Simply make one purchase and receive 60,000. When you add an authorized user and they make a purchase you’ll receive another 15,000 for a total of 75,000 miles.  This card has a $99 annual fee.  

Flights within the US start at 7,500 points one way.  In the past, we have flown to Japan for 70,000.  Europe is 50,000 round trip and if you’re craving island breezes – visit Hawaii for 40,000 points!

$99 annual fee, two purchases with no minimum

THIS EXPIRES 11/30/23!

https://www.applyaviator.com/

7. Chase Marriott Card – 5 free nights

This Chase card is great for vacation planning and the current sign-up bonus offers FIVE free nights.  This card also boasts a free 35,000 point night every year on your anniversary.  

$95 annual fee, $5000 spend in 90 days

These offers typically do not last long.  Don’t wait on this if it’s of interest!

Chase.marriotcard

AND…. ONE FOR FUN!

8. Alto Crypto IRA – $50

When you open and fund a Crypto IRA with as little as $10 (not a typo!) receive $50.  Whether you’re crypto curious, a true believer or just love a little thrill – think of this one like your holiday scratchers!  Don’t miss your ticket to the moon!

https://altoira.grsm.io/fzyjtkhad3ru

These are just a few of the best bonuses available at the right now.  If you would like personalized recommendations, please feel free to reach out and we can set a time to meet.  

Wishing you and yours a happy and healthy holiday season,

Lindsay

**This post is for educational purposes and should not be considered financial advice.  Additionally, this message contains some affiliate links and if you use some of these links, I may receive a referral.  Thank you in advance if you happen to use a referral.

If you missed last month’s newsletter, check it out here.