Save money, travel more. The Miles to Memories team earns millions of miles/points each year to take amazing trips across the globe. We leverage loyalty programs to turn rewards into memories that last a lifetime. Come learn our secrets!

Credit Cards

Credit Cards

The number one way to rack up a lot of points/miles is through credit cards. Whether it is taking advantage of a great sign-up bonus or maximizing bonus categories, we are here to help.

Credit Cards for Beginners

If you are just getting started, then we have some advice for you. There are a few things you should learn before making your first applications. Read these posts to help:


Getting to Know the Banks

As you delve deeper into miles/points you will start hearing about the various banks and credit card products. While there are a ton of banks that offer rewards cards, the three biggest players are Chase, Citi and American Express. Each of these banks has their own rewards program and quirks.

Program Overview

Ultimate Rewards

Credit Cards


Program Overview

Membership Rewards

Credit Card Benefits



Credit Card Reconsideration

Once you have learned about the basics and studied the banks, then it becomes time to apply. If you aren’t approved right away, we have some tips that could help you turn that fate around.


Credit Card Retention

Rewards cards come with annual fees and not every card is worth keeping long term. When you try to cancel, sometimes banks try to keep your business with lucrative offers. Here is some information on maximizing those offers.


More Help

In the section below you’ll find links to all of our credit card related posts. You can also find even more relevant articles on our resources page. We have five years worth of dedicated credit card content to explore.

When you’re ready to apply, CLICK HERE.

All Credit Card Related Posts

Spirit Airlines Mastercard, Get 30K Miles and $100 Credit

Bank of America is offering the best ever signup bonus for its Spirit Airlines credit card once again. You can get the usual bonus plus a $100 credit.

BofA Business Cash Rewards Now Has a Targeted $500 Bonus

Bank of America is offering the best ever bonus for its Business Advantage Cash Rewards Mastercard. Some people have been targeted with an offer to earn $500. That's much better that the $300 bonus we usually wee on the card.

My Experience Applying for the CNB Crystal Visa Infinite & What...

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Despite having one of the most difficult application processes, the CNB Crystal Visa Infinite is a valuable card. Here is what happened when my wife and I applied including what documentation we had to provide and how long it took to get an answer.

Ranking Increased Hilton Welcome Offers From Worst to First!

American Express recently juiced up their Hilton card offers. Because of that I decided to do a ranking of increased Hilton welcome offers.

How to Get An Amex Replacement Card Without Calling or Chatting

I recently figured out how to get an Amex replacement card without calling or chatting with American Express that should save you some time.

Amex Blue Business Cash Now Has a $500 Bonus

The card was released without a signup bonus. But now there's a $500 offer through referrals and incognito.

Amex Business Gold – Anyone Want this $500 Bonus?

Now American Express has added a new public bonus, but this one is a head-scratcher. Let's see if it convinces anyone to apply.

How I Wound Up on the Bank of America Blacklist

How did I wind up on the Bank of America blacklist? What does that mean for my points & miles game, and will it last forever?

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