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Despite their differences, business-to-consumer (B2C) and business-to-business (B2B) influencer marketing share several key similarities.
Both audiences seek value, with a strong emphasis on trust, credibility, and social proof. They are actively engaged online and respond well to relevant, high-quality content. Effective influencer marketing strategies for both segments leverage this content to address specific needs and interests, driving engagement and fostering meaningful connections.
This is all to say that the many successful tactics that work for B2C influencer marketers can work for those on the B2B side of things, too. Yes, the goals and audiences may differ but the fundamental principles behind these tactics — building trust, leveraging content, and engaging authentically — are always relevant. By digging into these B2C tactics and adapting them for B2B, we can uncover strategies that get results. Let’s take a look at seven popular B2C methods that can be optimized for B2B influencer marketing.
1. Content co-creation
B2C: Influencers create content that authentically showcases the brand, often integrating the product into their daily life.
B2B Adaptation: Co-create content that aligns with both the brand’s marketing goals and the influencer’s expertise and audience.
The Stat: 40% of brands say creator and/or user-generated content was the most important part of their 2023 social media strategy. (Source: Wall Street Journal)
“What’s a faster way to connect with a target audience than building thought leadership from scratch? Working with influencers that already have authority and credibility with the target audience you want to reach.” – Lee Odden, Board Advisor, TopRank Marketing
2. Authentic storytelling
B2C: Influencers share personal stories and experiences with a product to connect emotionally with their audience.
B2B Adaptation: Humanize your brand by encouraging B2B thought leaders to share their professional journeys, challenges, and how your solution helped solve their specific problems. For best results, ensure the influencers in your selection pool have vast experience with your brand.
The Stat: Conversions improve by 30% when brand-influencer posts focus on storytelling. (Source: Sprinklr)
3. Product demonstrations and reviews
B2C: Influencers create captivating short-form videos to show products in action.
B2B Adaptation: Because of their sometimes intangible traits (think software), showcasing a B2B product, service or solution takes special care. Rely on the influencer to share their POV on the offering, being sure to back it up with their industry expertise, the value proposition, their personal experience, and use cases.
The Stat: 96% of B2B companies plan to use video product demos in their content marketing over the next year (Source: RIVIA.AI)
“Influencers showcasing the practical applications of B2B products or providing authentic reviews can significantly influence potential buyers. This type of content aids in decision-making and boosts product credibility.” – Neil Patel, Co-Founder, Neil Patel Digital
4. Event partnerships and live streaming
B2C: Influencers often attend brand events and live-stream their experience to their followers.
B2B Adaptation: Partner with influencers to live-stream industry events, conferences, or product launches. These types of activations not only increase your reach but also adds a layer of credibility when an industry expert endorses your brand.
The Stat: 68% of B2B marketers found that having influencers attend and cover industry events significantly enhances brand visibility and generates quality leads. (Source: Influencer Marketing Hub)
5. Long-term partnerships
B2C: Consumer-facing influencers form long-term relationships with brands, promoting products over a series of months or even years.
B2B Adaptation: Turn your B2B influencers into brand ambassadors. Recurring content creation, thought leadership, and event appearances can build sustained credibility and trust over time.
The Stat: 56% of CMOs interviewed believe that the best way to optimize the use of B2B influencer marketing campaigns is to “build long-term relationships that show true brand advocacy.” (Source: Warmly,)
“Influencer marketing in the B2B space cannot be focused on short-term tactics; it’s about building long-term relationships with key opinion leaders. These relationships can lead to ongoing collaborations, where influencers become advocates for your company.” – Rafael Schwarz, CRO, TERRITORY Influence
6. Leveraging niche platforms
B2C: Influencers often engage with audiences on niche platforms like TikTok or Instagram, depending on where their audience is most active.
B2B Adaptation: Identify and engage with influencers on niche platforms relevant to your industry, like TikTok, Instagram, Reddit, newsletters, and even Threads. These platforms might have smaller but more engaged and relevant audiences for B2B brands, allowing for more targeted influencer campaigns.
The Stat: Instagram is the top platform for influencer marketing, with 80.8% of marketers planning to use it in 2024. (Source: Sprout)
7. Influencer-driven content series
B2C: Creators develop multi-part series to keep their audience engaged and the brand on their radar.
B2B Adaptation: Partner with influencers to develop a content series that explores different aspects of a relevant industry topic. Examples include blog posts, videos, or webinars that allow the influencer to provide insights on complex subjects over an extended period of time.
The Stat: B2B buyers engage with 3-7 pieces of content before talking to a sales rep. (Source: Kurve)
“As brands, we need to 🛑 stop 🛑 building pay-per-post influencer campaigns.” – Justin Levy, Head of Social Media, Influencer Marketing and Community, ZoomInfo
Are you ready to unlock the potential of B2C strategies for your B2B organization? Our team of award-winning influencer marketing experts is here to help you every step of the way, from strategy development to execution. Contact us today.
About the author
Alex White is the Social – Influencer Lead at TopRank Marketing and a proud U.S. Navy veteran. He leverages his industry experience to build deep, authentic relationships with today’s top B2B influencers, always delivering exceptional campaign results for a variety of Fortune 1000 brands. Alex’s approachable nature and can-do attitude regularly makes him a client favorite to work with, and our team agrees.
It’s not too late for you to pre-order your iPhone 16 Pro or iPhone 16 Pro Max!
The iPhone 15 Pro and iPhone 15 Pro Max already supported spatial video since the phones were released last year. However, with the latest iOS 18.1 beta release, there will be a dedicated “Spatial” button in the camera app that will allow users of the 2023 Pro iPhone models to toggle between taking spatial photos and spatial videos.
Apple releases iOS 18.1 developer beta 4. | Image credit-PhoneArena
After you update your iPhone 15 Pro or iPhone 15 Pro Max to iOS 18.1 beta 4, open the Camera app and scroll to Spatial mode. You will read, “Record spatial photos and videos with remarkable depth for viewing in the Photos app on Apple Vision Pro. For best results, keep the iPhone in landscape orientation and stable while recording. Video is recorded at 30 fps at 1080p. A minute of spatial video is approximately 130 MB. A spatial photo is approximately 5 MB.”
If you already have been running the iOS 18.1 developer beta, on your iPhone 15 Pro or iPhone 15 Pro Max, go to Settings > General > Software Update and you should see the invitation to install the next build which is iOS 18.1 developer beta 4. For those not running the iOS 18.1 developer beta, you’ll probably have to wait until October to install the secure and stable version of iOS 18.1 on your iPhone 15 Pro and iPhone 15 Pro Max. That update will give the majority of you your first opportunity to run Apple Intelligence unless you decide to go ahead and install the latest iOS 18.1 developer beta.
iOS 18.1 developer beta 4 allows iPhone 15 Pro and iPhone 15 Pro Max users to snap spatial photographs. | Image credit-PhoneArena
In December, Apple should release iOS 18.2 which is expected to include ChatGPT integration for Siri which might be similar to the moment in The Wizard of Oz when the Wizard gives the Scarecrow a brain. That update might also include Image Playground and Genmoji. The latter creates custom emoji based on your description and the Image Playground will show an image based on a description or a concept.
If you’re aiming to dominate Modern Warfare 3 Multiplayer with the best MTZ 556 loadout for an incredible time-to-kill (TTK), you’ve come to the right place.
The MTZ 556 is a powerful assault rifle that contains a balanced mix of damage output, fire rate, accuracy, and mobility.
Credit: Activision, ONE Esports
In this ONE Esports guide, we share the ultimate MTZ 556 class setup that gives you a significant edge in fast-paced combat.
The best MTZ 556 loadout to conquer your MW3 Multiplayer lobbies
To fully optimize this AR for a fast TTK, your focus should be on enhancing damage output across all ranges while improving recoil control, aim down sight (ADS) speed, and handling for fluid, quick engagements.
Credit: Activision, ONE Esports
Start by equipping the MTZ Clinch Pro Barrel, which significantly boosts bullet velocity and damage range. It also stabilizes your aim while reducing idle sway. It’s good for maintaining accuracy during prolonged firefights, ensuring consistent damage output at medium to long ranges.
For the muzzle attachment, choose the Quartermaster Suppressor to enhance gun kick and recoil control and add a stealth element, suppressing your shots. Staying off the enemy radar allows you to engage targets without giving away your position, making it easier to execute flanks or take out unaware enemies.
Credit: ONE Esports
Go with the MTZ Marauder Stock to further strengthen your recoil and gun kick management. With this attachment, your accuracy improves dramatically, allowing for better performance during sustained fire, especially at longer ranges where recoil can throw off your aim.
For precise target acquisition, pick the JAK Glassless Optic. This sight provides a clean and unobstructed view, giving you a clear advantage in fast-paced engagements. It also increases firing aim stability, making it easier to land accurate shots when using ADS.
Credit: ONE Esports
To offset any potential negatives to your mobility and handling caused by the other attachments, insert the DR-6 Handstop in the underbarrel slot. This attachment enhances ADS speed, aim walking speed, sprint-to-fire speed, and movement speed, ensuring that you can quickly react to threats and transition between targets.
With this loadout, you’ll have a balanced MTZ 556 that excels in both damage output and handling, providing you with a reliable weapon for achieving a fast TTK in MW3 Multiplayer.
Screenshot by Jeremiah Sevilla/ONE Esports
BEST MTZ 556 LOADOUT IN MW3 MULTIPLAYER
SLOT
ATTACHMENT
Barrel
MTZ Clinch Pro Barrel
Muzzle
Quartermaster Suppressor
Stock
MTZ Marauder Stock
Optic
JAK Glassless Optic
Underbarrel
DR-6 Handstop
To fully unlock the potential of this MTZ 556 setup, complement it with the following secondary weapon, perks, and equipment:
Secondary weapon: Renetti
Vest: Compression Carrier
Tactical: Stim
Lehtal: Sticky Grenade
Gloves: Scavenger Gloves
Boots: Covert Sneakers
Gear: EOD Padding
READ MORE: Best BP50 loadout in Warzone — meta conversion kit class setup
When Dead Rising was released back in 2006, Americans consumed 28.1 billion pounds of meat. By the end of 2022, this figure rose slightly to 28.2 billion pounds. 18 years later, the core message of Capcom’s beloved zombie action game – and scathing critique of unchecked consumerism – remains just as important. The Dead Rising Deluxe Remaster is an excellent re-release of a classic. One I’d argue is important for everyone to experience.
For those who don’t know, Dead Rising was this excellent love letter to Dawn of the Dead and other classic zombie media. You play Frank West, a photojournalist who drops down into Willamette mall during the midst of a zombie outbreak. There, he’s got to fight to stay alive, while trying to figure out the truth behind the undead plague suddenly striking the heart of America.
It’s a dramatic, funny, and harrowing game, paired with a well-written plot that links to classic zombie fiction with its critique of over-consumption, particularly of American consumer culture. All of this remains present in the remaster, thankfully untouched, while more material aspects of the game have been raised to a modern bar.
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This remaster is immediately striking in its quality. Capcom has managed to take an iconic game in its catalogue and modernise it brilliantly, an artisinal restoration of a great portrait trapped in rotting framing. The original game still stands up, sure, but it’s not a controversial opinion to state it’s showing its age. Thanks to the Dead Rising Deluxe Remaster though, I see little reason to head back to the original aside from nostalgic escapades.
Let me explain why. The Dead Rising Deluxe Remaster contains everything present in the original. Everything. Every challenge, every survivor, every magazine. Playing through the Dead Rising Deluxe Remaster felt like strolling through the set of your favourite movie. Just like I did when I was 13, I saved all the survivors in the order I remember. The katana is still on the Paradise Plaza awning near the infinite source of orange juice. The Wonderland Plaza shortcut is still so good as to encroach on mandatory, and mini-chainsaws paired with appropriate magazines remain superb.
What was amazing about the original Dead Rising has been transitioned perfectly and without needless change in this remaster. Very little is altered in terms of balance and difficulty; I noticed only a few tweaks here and there. The Adam boss fight remains an early-game challenge and a perfect example of Capcom’s approach, as OG players will remember that baiting out his balloon attack for quick and easy damage was the best approach back in the day. This has been fixed. Adam only does this very rarely, forcing players to actually rush in close to get damage in. A small change that goes a long way, in my book.
I can’t express how amazing this little thing is. | Image credit: Capcom
Perhaps the most important improvement comes from a renovation of the survivor AI. In the past, the process of hauling one survivor found in the mall could prove a bit annoying, and leading five or six at once was an act of masochism. Now, you still need to keep an eye on your homies, but they’re less hopeless running past zombies. At the same time, players who manage to track down magazines that improve survivor AI will still be rewarded for doing so – another example of the remaster updating something without taking away from the original vision.
This improvement also impacts the boss fights: everyone’s favourite gaggle of escaped prisoners no longer crash into trees and get stuck, but instead weave around the park and prove genuinely problematic to deal with. This is wonderful, and replaces the frustration left behind with genuine intentional challenge you can dig your teeth into. Bosses will still get stuck inside shops or hopelessly throw knives into walls on occasion, but it’s not anything too distracting and stands out as only an occasional blemish. A feature, more than a bug.
And the graphics. They’re wonderful. This was a component of the remaster I was a little worried about, honestly. Seeing Frank’s new look in initial reveal trailers didn’t sell me at first. But having played through the game those fears have been put to rest. Every character looks fantastic, the zombies look genuinely horrid (especially in cinematics).
But what stands out to me are the psycho boss fights. In the original game, these characters stand apart from regular survivors. They were caricatures, some looking more normal than others, and all moving and emoting in an off putting exaggerating fashion. I mean that as a positive – this added to the haunting tone of the game.
I’m excited for a whole new generation to yell at this lady. | Image credit: Capcom
I’m happy to report that this remains not just intact, but enhanced in the remaster. You get so much more emotion from characters in this game compared to the original. Adam is perhaps the most memorable boss from the original and it’s true that he especially benefits from this visual upgrade – but so do Paul, Cletus, and others. This may not sound like a lot, but it adds another layer to the tone of these climactic moments.
Visual improvements have also impacted the mall itself, but something about it bugs me – and I’m not so proud as to strike off nostalgia as a culprit here. Maybe it’s some of the colour being replaced with more realistic looking environments… I can’t say. It’s objectively a better-looking game, and I had a great time ohh-ing and ahh-ing over little landmarks I remembered and the new coat of paint they have. But some of that orignal style has been lost. Your reaction and mileage with this change may vary, oof course.
The things that stay with me, though, are the little quality-of-life touches. Ones that feel like special presents for original players. Some of you won’t realise how big a gift the small staircase next to the safe room vent entrance is. Nor will you drool over being able to move slightly while aiming with firearms; a massive buff to those weapons.
The motorbike being able to traverse through doors into different parts of the mall is a big boon for an otherwise underwhelming vehicle, and survivors you carry through these doorways remain carried when you load into the next zone. These are small things that all add up to make the Dead Rising Deluxe Remaster a compelling, pleasant experience.
Not sure the game needed this sort of signposting, but then again, who does it hurt? | Image credit: Capcom
Dead Rising Deluxe Remaster’s story remains as striking as it did when the game first released almost two decades ago. This is terrible news. If you’re new, you’re in for a story of anti-consumerism, government conspiracy, and American culture all seen through the eyes of an occasionally ethically-dubious journalist. So you’re fine.
It’s only terrible news because nothing much has changed in regards to the endless hunger rife in modern Western society since the initial release of Dead Rising. Governments and corporations still abuse and destroy communities around the world for the sake of product. It was only in June that Banana producer and distributor Chiquita Brands International was ordered by American courts to pay $38 million dollars to Columbian families after the company paid death squads while doing business in the region. Globally, the food and agriculture sector is a hotbed for human rights abuses. Towns like Santa Cabeza might not be destroyed due to zombie outbreaks – like in the game – but the sort of havoc done in the name of food production the original game was critiquing is still present today.
The result of playing this remaster over a decade since I played the original was an eye-opening moment where you realise not much has changed in all that time, making the whole narrative hit even harder, somehow, than it did in 2019.
All the hits, back and better looking than ever. | Image credit: Capcom
Dead Rising Deluxe Remaster stands is a prime example of how to do remasters right. It doesn’t cut or alter hastily. What Capcom has added, and what it has improved, only enhances the original experience. For Dead Rising fans, this is like a re-opening of your favourite childhood fast food spot, a brand-new un-torn version of your favourite t-shirt, or returning to a beloved holiday destination and finding all the places you’ve missed are still there and with a fresh coat of paint.
For new players, you’re getting one of the best zombie games of all time made better still. A game that raised the bar, that’s come back years later to raise it again.
Dead Rising: Deluxe Remaster launches September 19, and is releasing on PS5, Xbox Series X/S, and PC. This game was reviewed courtesy of a code from Capcom, and played on the PlayStation 5.
Frank Family Vineyards, a part of the Treasury Wine Estates (TWE) family of brands, has announced the installation of 401 kWAC of solar power on its property. The installation will generate at least 75% of the winery’s electricity needs, including powering the winery, tasting room and new hospitality space, The Miller House. Through a combination of on-site solar and purchased renewable energy, Frank Family Vineyards is powered by 100% renewable electricity.
The shift to renewable energy at Frank Family Vineyards contributes to TWE’s global commitment to sustainability, with the company setting ambitious goals for 100% renewable electricity by the end of 2024 and net-zero carbon emissions by 2030. Frank Family took the initial step toward these goals in 2022 when it became the first of TWE’s Napa wineries to enroll in Marin Clean Energy’s (MCE) Deep Green Program, allowing the winery to source 100% renewable energy from local wind and solar power.
With its recent solar array installation, Frank Family Vineyards is shifting from purchasing clean energy and supporting the renewables market to generating its own, adding more carbon-free power to the grid. The remaining 25% of Frank Family’s energy needs will continue to be met through its partnership with MCE Deep Green.
“Sustainability is a key part of our winemaking philosophy at Frank Family Vineyards, and we’re thrilled to start generating our own energy,” says Senior Winemaker and General Manager Todd Graff. “We’re always seeking new ways to minimize our carbon footprint and carefully consider the impact every winemaking and business practice has on the land we care for and the community around us. This investment is another milestone in our sustainability efforts, and we are proud to say 2024 will be our first vintage powered by the sun!”
I spoke to a friend the other day who is selling their home and moving up to a bigger one.
Crazy I know! What with home prices where they are the mortgage rates more than double their early 2022 levels.
Despite this, they needed more space (and wanted a new locale) and were ready to move on from their old home.
Sure, it might not be the best time to buy a home, but it’s not always about the financials.
And even so, they’ve got a plan to offset the big jump in interest expense.
They’ve Currently Got a 30-Year Fixed Mortgage Set at 2.75%
First some background on the deal. They purchased their existing home around 2012, which was basically the housing market bottom post-GFC.
This was one of the very best times to purchase a home in recent memory. Aside from seeing their home nearly triple in value, they also snagged a crazy low mortgage rate.
A 30-year fixed at 2.75%. Pretty hard to beat. The purchase price of the home was around $400,000, and is expected to sell for around $1 million today. Also pretty hard to beat!
Problem is, mortgage rates are now closer to 7% and home prices on replacement homes are comparatively high as well.
In short, if you sell today you take on a much higher mortgage rate and sales price. This means a significantly higher payment.
They can actually absorb the higher payment, but they know swapping a 2.75% mortgage for a 7.25% mortgage isn’t a great trade-off.
So here’s the plan to offset that much higher interest expense.
Using Sales Proceeds to Prepay the New Mortgage
Now this might not be for everyone, but many home sellers today are flush with home equity.
They purchased their homes either decades ago and have no mortgage, or they purchased in the early 2010s and have seen property values skyrocket.
If we consider my friend’s $400,000 home purchase in 2012 with a 20% down payment and 2.75% mortgage rate, the loan balance would be around $222,000 today.
Assuming a sales price of $1 million, they might walk with $650,000 or more. They have elected to use some of those proceeds to put a dent in the new mortgage.
Not all of it mind you, to save for an emergency fund. But a good chunk of it.
Once their old home sells, they’ll apply a large lump sum payment to the new loan. Let’s pretend the new home was $1.2 million and they put 20% down again.
The loan amount is $960,000 and the monthly payment at 7.25% is about $6,550. Obviously, a huge jump from their old payment of about $1,300.
But they’re able to make the higher monthly payment, perhaps due to higher wages. Or maybe because they could always afford more.
Regardless, they don’t need a lower payment to make it work. And their plan is to knock down that loan balance in short order.
They Can Pay Off the New Loan in Less Than 15 Years
A Lump Sum Payment Comparison
$960k loan amount
No extra payment
$300k lump sum payment
Interest Rate
7.25%
7.25%
Monthly Payment
$6,548.89
$6,548.89
Loan Term
30 years
13 years
Interest Savings
n/a
$1,018,498
Now let’s imagine that once their old home sells, they apply $300,000 in sales proceeds to the new mortgage.
That knocks down the balance to around $657,000 just a few months into their new loan term.
Importantly, this extra mortgage payment does not lower their future mortgage payments, since that’s not how mortgages work.
They’d still have to continue making that payment of about $6,550 unless they asked the lender for a loan recast.
However, and this is a biggie, they’d save about $1 million in interest if they kept the loan to maturity.
And speaking of maturity, their loan would be paid off in about 13 years instead of 30 years.
This would effectively turn their 7.25% mortgage rate into something comparable to their original interest rate. All thanks to sending those sales proceeds toward the new mortgage.
A Mortgage Refinance Still Remains an Option
In the meantime, they can also keep an eye on mortgage rates and if they fall enough, a rate and term refinance could be an option as well.
So they’re not necessarily stuck with the new 7.25% rate. And if rates do come down, they’ll have a much smaller outstanding loan balance.
This means their loan-to-value ratio (LTV) will be much lower, which equates to fewer pricing adjustments.
For example, their LTV might be closer to 50% instead of 80% when it comes time to refinance. Generally speaking, this means a lower mortgage rate too.
Aside from a refinance, a loan recast is also typically an option, assuming they want a lower payment.
This won’t save them as much money, nor will the mortgage be paid off early, but it brings monthly payments down by re-amortizing the loan based on the smaller balance.
But if you’re more interested in paying less interest, perhaps because you were used to holding a 2-3% mortgage, this is one way to do it. Assuming you can afford the higher monthly payment.
And it’s one way an existing homeowner with mortgage rate lock-in can free themselves without feeling bad about losing their old, cheap home loan.
Read more: Will Mortgage Rates Ever Go Back Down to 3% Again?
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Purchasing a home is one of the largest financial decisions most people make in their lifetime. The real estate market is a competitive and complex field, making it crucial to have a knowledgeable professional on your side. One of the best resources for homebuyers is a buyer’s agent, a real estate professional who represents the buyer’s interests exclusively. However, many homebuyers are unaware of how a buyer’s agent agreement works and how it can benefit them in the home-buying process.
A buyer’s agent agreement is a formal contract that establishes a working relationship between the buyer and the real estate agent. This contract outlines the duties and responsibilities of both parties, ensuring transparency and mutual trust. In this blog, we’ll dive deep into the intricacies of buyer’s agent agreements, why they are beneficial, the costs typically associated with them, and the importance of securing a loan pre-approval before entering such an agreement.
What is a Buyer’s Agent Agreement?
A buyer’s agent agreement is a legal contract between a homebuyer and a real estate agent. The agreement outlines the services the agent will provide, the duration of the contract, and the responsibilities of the buyer. It also defines the compensation structure for the agent.
Buyer’s agent agreements come in different forms, but most commonly include:
Exclusive Buyer Agency Agreement: This type of agreement binds the buyer to work exclusively with one agent for a specified time. If the buyer purchases a home within that time frame, the agent is entitled to the agreed-upon commission, even if the buyer finds the home without the agent’s help.
Non-Exclusive Buyer Agency Agreement: This agreement allows the buyer to work with multiple agents and is less binding. However, the agent only receives commission if they are directly responsible for the sale.
Open Buyer Agency Agreement: In this case, the buyer can work with multiple agents, but the agent is only compensated if they are the one who finds the home the buyer eventually purchases.
These agreements ensure the agent is compensated for their work, while also protecting the buyer by setting clear expectations.
Benefits of Signing a Buyer’s Agent Agreement
Professional Representation – A buyer’s agent works exclusively for the buyer. Unlike listing agents, who represent the seller’s interests, a buyer’s agent is solely responsible for advocating on behalf of the buyer. This means the agent is committed to getting the best deal for the buyer, whether that means negotiating the price, closing costs, or any additional terms of the sale.
Access to Market Knowledge – Real estate agents have access to comprehensive market data, including comparable home sales, neighborhood trends, and upcoming listings. They can provide critical insights into the true value of a property, helping buyers avoid overpaying. A buyer’s agent will also have a deep understanding of the local real estate market, allowing them to guide buyers toward neighborhoods that meet their criteria.
Expert Negotiation – Negotiation is a critical part of the home-buying process, and having a skilled negotiator on your side can make a significant difference in the final price and terms of the sale. Buyer’s agents are experienced in negotiating real estate deals and can advocate for the buyer in a competitive market, ensuring they get the best possible deal.
Guidance Through the Process – Buying a home involves a multitude of steps, from scheduling inspections to securing financing and navigating closing documents. A buyer’s agent guides the buyer through this complex process, making sure nothing falls through the cracks. They ensure deadlines are met, paperwork is completed accurately, and that the buyer is fully informed at every stage.
Saves Time and Effort – House hunting can be time-consuming and overwhelming, especially if a buyer is unfamiliar with the real estate market. A buyer’s agent streamlines the process by identifying homes that match the buyer’s preferences, scheduling showings, and assisting in narrowing down the options. Their expertise helps the buyer avoid wasting time on unsuitable properties.
Typical Costs Associated with a Buyer’s Agent Agreement
One of the most common concerns for buyers considering a buyer’s agent agreement is the cost. In most cases, however, buyers do not pay the agent’s commission directly. Instead, the seller typically covers the commission for both the listing agent and the buyer’s agent through the sale of the home. This commission is usually 5-6% of the sale price, which is then split between the two agents.
That said, some agreements may include provisions for additional fees. For example, if the agent incurs specific costs while helping the buyer (such as marketing or administrative fees), the buyer might be responsible for those costs. It’s crucial to carefully review the agreement to understand any potential charges.
However, it’s important to remember that the cost of hiring a buyer’s agent is often offset by the value they provide. By negotiating a better price, securing favorable terms, and identifying potential issues with the property, a buyer’s agent can save the buyer significant money in the long run.
Loan Pre-Approval: Why It’s Crucial Before Signing a Buyer’s Agent Agreement
Before entering into a buyer’s agent agreement, it’s highly recommended to secure a loan pre-approval from a lender. Loan pre-approval is a process in which a lender evaluates a buyer’s financial status, credit score, and income to determine how much they can borrow. The lender then provides a pre-approval letter, which signifies to sellers and agents that the buyer is financially capable of purchasing a home within a specific price range.
Here’s why getting pre-approved for a loan is critical:
Demonstrates Seriousness – Securing loan pre-approval shows the buyer is serious about purchasing a home and capable of obtaining financing. This is beneficial when working with a buyer’s agent because it assures the agent that the buyer isn’t wasting their time looking at homes outside their budget. It also strengthens the buyer’s position when making an offer, as sellers and their agents are more likely to take pre-approved buyers seriously.
Sets a Realistic Budget – Pre-approval gives buyers a clear understanding of how much they can afford. Many first-time buyers overestimate or underestimate their purchasing power, which can lead to wasted time looking at homes outside their price range. With a pre-approval in hand, a buyer’s agent can help focus the search on properties within the buyer’s actual budget, making the process more efficient.
Competitive Advantage in a Hot Market – In competitive housing markets, homes can sell quickly, often with multiple offers. Buyers who are pre-approved have an edge over those who are not, as they can move faster and make stronger offers. Some sellers may even require pre-approval before considering an offer, so having it ready allows the buyer to act quickly when they find the right home.
Avoids Delays in the Buying Process – Without pre-approval, buyers risk encountering delays once they find a home they wish to purchase. The pre-approval process can take time, especially if the lender needs to verify additional financial information. Getting pre-approved in advance helps streamline the home-buying process and ensures there are no unnecessary delays once the buyer is ready to make an offer.
Helps Avoid Overcommitment – A loan pre-approval protects buyers from overcommitting to a home they can’t afford. Lenders carefully assess the buyer’s financial situation and only pre-approve them for a loan amount that matches their income and creditworthiness. This prevents buyers from getting in over their heads and helps ensure they find a home within their means.
How to Secure Loan Pre-Approval
Getting pre-approved for a loan is relatively straightforward but requires gathering key financial documents. These typically include:
Proof of income (W-2 forms, pay stubs, tax returns)
Proof of assets (bank statements, retirement accounts)
Credit score and credit history
Employment verification
Identification
Once these documents are submitted, the lender will evaluate the buyer’s financial profile and determine how much they can borrow. It’s a good idea to shop around and compare different lenders, as interest rates, fees, and loan terms can vary.
Conclusion
A buyer’s agent agreement is a powerful tool that offers protection, guidance, and advocacy throughout the home-buying process. It ensures that buyers have a professional on their side, looking out for their best interests from start to finish. While the idea of signing a contract may seem daunting to some, the benefits of working with a dedicated real estate professional far outweigh any concerns.
Additionally, securing loan pre-approval before signing a buyer’s agent agreement enhances the buyer’s credibility and makes the process smoother and more efficient. It’s a key step in ensuring that the home-buying journey is successful, stress-free, and results in finding the right home at the right price.
With holiday travel approaching, now may be a great time to evaluate your credit card portfolio. Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide.
But to help you keep up with an ever-changing list of bonuses, we’ve also compiled a list of the best card offers currently available — especially the ones that are worth an extra look right now because they are at all-time highs or may end soon.
Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to time your application for when there’s a good offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.
Finally, if you’re not ready to jump on a higher-end credit card, consider these great starter cards or even one with a 0% introductory annual percentage rate offer.
The best credit card offers of September 2024
Card
Sign-up bonus/welcome offer
Welcome offer value*
Annual fee
The Business Platinum Card® from American Express
Earn 150,000 points after spending $20,000 on eligible purchases with the card within the first three months of cardmembership.
$3,000
$695 (see rates and fees)
Capital One Venture X Business
Earn 150,000 miles after spending $30,000 on purchases in the first three months of account opening.
$2,775
$395 (see rates and fees)
Marriott Bonvoy Business® American Express® Card
Earn five free night awards after using the card to make $8,000 in eligible purchases within the first six months of card membership. Each free night award has a redemption level of up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy. Resort fees and terms apply. Offer ends Oct. 16.
Up to $2,125
$125 (see rates and fees)
American Express® Business Gold Card
Earn 100,000 bonus points after spending $15,000 on purchases in the first three months from account opening.
$2,000
$375 (see rates and fees)
Ink Business Preferred® Credit Card
Earn 90,000 bonus points after spending $8,000 on eligible purchases in the first three months of cardmembership.
$1,845
$95
The Platinum Card® from American Express
Earn 80,000 points after spending $8,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply; offer subject to change).
$1,600
$695 (see rates and fees)
Marriott Bonvoy Brilliant® American Express® Card
Earn 185,000 points after spending $6,000 on purchases in the first six months of account opening. Offer ends Oct. 2.
$1,573
$650 (see rates and fees)
Capital One Venture Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases within the first three months from account opening.
$1,388
$95 (see rates and fees)
Capital One Venture X Rewards Credit Card
Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months of account opening.
$1,388
$395 (see rates and fees)
Delta SkyMiles® Reserve Business American Express Card
Earn 110,000 miles after spending $12,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
$1,320
650 (see rates and fees)
Marriott Bonvoy Bevy™ American Express® Card
Earn 155,000 points after spending $5,000 on purchases in the first six months of account opening. Offer ends Oct. 2.
$1,318
$250 (see rates and fees)
American Express® Gold Card
Earn 60,000 points after spending $6,000 in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. You may be able to get a higher bonus through the CardMatch tool (terms apply). Offer ends Nov 6.
Up to $1,300
$325 (see rates and fees)
World of Hyatt Business Credit Card
Earn up to 75,000 points: Earn 60,000 points after spending $5,000 within the first three months from account opening, plus 15,000 points after spending $12,000 in the first six months from account opening. Offer ends Sept. 26.
$1,275
$199
Chase Sapphire Reserve®
Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.
$1,230
$550
Chase Sapphire Preferred® Card
Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.
$1,230
$95
Delta SkyMiles® Reserve American Express Card
Earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of card membership. Offer ends Oct. 23.
$1,200
$650 (see rates and fees)
Delta SkyMiles® Platinum Business American Express Card
Earn 100,000 bonus miles after spending $8,000 on purchases in the first six months of card membership. Offer ends Oct. 23.
$1,200
$350 (see rates and fees)
Aer Lingus Visa Signature® Card
British Airways Visa Signature® Card
Iberia Visa Signature® Card
Earn 85,000 Avios after spending $5,000 on purchases within the first three months of account opening.
$1,190
$95
Southwest Rapid Rewards® Priority Credit Card
Earn 85,000 bonus points after spending $3,000 on purchases in the first three months from account opening.
$1,190
$149
Southwest Rapid Rewards® Plus Credit Card
Earn 85,000 bonus points after spending $3,000 on purchases in the first three months from account opening.
$1,190
$69
United Club℠ Infinite Card
Earn 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.
$1,080
$525
Delta SkyMiles® Platinum American Express Card
Earn 90,000 bonus miles after spending $4,000 on purchases in the first six months of card membership. Offer ends Oct. 23.
$1,080
$350 (see rates and fees)
Delta SkyMiles® Gold Business American Express Card
Earn 90,000 bonus miles after spending $6,000 on purchases in the first six months of card membership. Offer ends Oct. 23.
$1,080
$0 intro annual fee for the first year, then $150 (see rates and fees)
Marriott Bonvoy Boundless® Credit Card
Earn 125,000 bonus points after spending $5,000 on eligible purchases within the first three months from account opening.
$1,063
$95
Aeroplan® Credit Card
Earn 70,000 points after you spend $3,000 on purchases in the first three months your account is open.
$1,050
$95
*Welcome offer value is determined using TPG’s September 2024 valuations and is not provided by nor reviewed by the issuer.
The Business Platinum Card from American Express
This business card stands out not only for its extremely valuable welcome offer but thanks to travel perks that can easily cover the card’s $695 annual fee (see rates and fees). Cardholders enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with access to a wide variety of airport lounges — including Amex Centurion, Priority Pass and Delta Sky Club (when traveling on same-day Delta flights; limited to 10 annual visits from Feb. 1, 2025)*. Enrollment is required for select benefits.
THE POINTS GUY
Cardholders also enjoy 5 points per dollar on flights and prepaid hotels booked at amextravel.com, along with 1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more (on up to $2 million of these purchases per calendar year, then 1 point per dollar).
On top of that, the card comes with up to $200 in annual airline fee statement credits and a 35% points bonus for flights booked through amextravel.com in first or business class on any airline (up to 1 million points back per calendar year), or in any class on the U.S. airline of your choice each year. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases (up to $200 semi-annually), up to $360 in statement credits toward Indeed (up to $90 quarterly), up to $150 in statement credits toward select auto-renewing Adobe subscription purchases and up to $120 in statement credits toward U.S. wireless telephone services (the first three credits are slated to end on Dec. 31.)
Enrollment is required for select benefits.
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*Visits are non-transferable and may only be used by the Eligible Platinum Card Member.
Read our review of the American Express Business Platinum Card for more information.
Apply here: The Business Platinum Card from American Expresswith 150,000 points after spending $20,000 on eligible purchases with the card within the first three months of cardmembership.
Capital One Venture X Business
The Capital One Venture X Business is the business version of the popular Capital One Venture X Rewards Credit Card. Like its personal counterpart, it offers luxurious perks at a reasonable annual fee and has a simple earning structure of at least 2 miles per dollar on all purchases.
THE POINTS GUY
This card is an excellent choice for small-business owners who prioritize simplicity. It offers benefits such as airport lounge access and a valuable travel credit for a relatively affordable annual fee.
Read our review of the Venture X Business for more information.
Apply here: Capital One Venture X Business with 150,000 miles after spending $30,000 on purchases in the first three months from account opening.
Marriott Bonvoy Business card
The Marriott Bonvoy Business American Express Card is a solid small-business card for Marriott Bonvoy fans. It comes with useful perks, such as an annual free night at hotels (up to 35,000 points) and the ability to boost your Marriott elite status by offering 15 elite night credits every year. Resort fees may apply.
THE POINTS GUY
It also includes generous bonus reward categories well suited to small-business owners.
Read our review of the Bonvoy Business for more information.
Apply here: Marriott Bonvoy Business Earn five free night awards after using the card to make $8,000 in eligible purchases within the first six months of cardmembership. Each free night award has a redemption level of up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy. Resort fees and terms apply. This offer ends Oct. 16.
American Express Business Gold Card
The Amex Business Gold is a fantastic card for business owners looking to maximize earnings from a single card. It has 4-point-per-dollar earning categories that automatically reflect your highest spending areas each billing cycle (on the top two eligible spending categories each month; capped at $150,000 in combined purchases each calendar year, then 1 point per dollar).
THE POINTS GUY
The card also comes with up to $395 in annual statement credits, broken down as follows:
Up to $240 back annually (up to $20 in statement credits per month) for eligible purchases at FedEx, Grubhub and office supply stores
Up to $155 back annually (up to $12.95 in statement credits per month plus applicable taxes on one membership fee) for a monthly Walmart+ membership (subject to auto-renewal; Plus Ups not eligible)
Enrollment is required for select benefits.
Read our review of the Amex Business Gold Card for more information.
Apply here: American Express Business Gold Card with 100,000 bonus points after spending $15,000 on purchases in the first three months of cardmembership.
Ink Business Preferred Credit Card
Then there’s the Ink Business Preferred. According to TPG’s September 2024 valuations, this card’s welcome bonus alone is worth over $1,800 since you can take advantage of Chase’s excellent collection of airline and hotel transfer partners. Points redeemed through the Chase Travel℠ portal are worth 1.25 cents each, which isn’t bad, either.
THE POINTS GUY
Another factor in this card’s favor? Its tremendous earning rates. You’ll earn 3 points per dollar across the following categories on up to $150,000 in combined purchases (1 point per dollar thereafter):
Travel
Shipping purchases
Internet, cable and phone services
Advertising on social media sites and search engines
Depending on which categories you spend in, you could earn a whopping 450,000 bonus points per year if you maxed out that $150,000 cap.
Among the Ink Business Preferred’s unsung benefits are cellphone protection, primary rental car coverage (when renting for business purposes) and other travel and purchase protections. You can also add employee cards to your account for free.
Read our full review of the Ink Business Preferred Credit Card for more information.
Apply here: Ink Business Preferred Credit Card with 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
The Platinum Card from American Express
Often referred to as the king of the premium travel rewards cards, the Amex Platinum offers a slew of benefits — along with a $695 annual fee (see rates and fees). Cardholders enjoy perks such as automatic Gold status with both Hilton Honors and Marriott Bonvoy, plus access to a wide range of airport lounges, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights; limited to 10 annual visits from Feb. 1, 2025)*.
On top of that, you’ll get up to $200 in annual airline fee statement credits, an up-to-$200 hotel statement credit to use toward prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings (the latter of which requires a minimum two-night stay) via AmexTravel.com, and an up-to-$199 Clear Plus membership statement credit — along with numerous other perks. Enrollment is required for select benefits.
THE POINTS GUY
Non-travel benefits include an up-to-$240 digital entertainment statement credit (split into monthly up to $20 credits) that can be used for services under the Disney umbrella (Disney+, ESPN+ and Hulu), Peacock, The New York Times and The Wall Street Journal.
Cardholders also receive an up-to-$155 Walmart+ annual statement credit (up to $12.95 per month plus applicable taxes on one membership fee; subject to auto-renewal; Plus Ups are excluded), an up-to-$300 SoulCycle bike statement credit and an up-to-$300 Equinox statement credit for eligible Equinox memberships, which are subject to auto-renewal. You also receive Uber VIP status (where available) and up to $200 in annual Uber Cash (split into monthly $15 credits for U.S. rides and Uber Eats orders plus a $20 bonus in December).
Enrollment is required for select benefits.
Finally, cardmembers will enjoy enhanced earning rates on many travel purchases:
5 points per dollar on flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year, then 1 point per dollar)
5 points per dollar on prepaid hotels booked with American Express Travel
1 point per dollar on other eligible purchases
And while the current welcome offer provides solid value, check the CardMatch Tool to see if you can receive an even higher one (offers are targeted and subject to change at any time).
*Visits are non-transferable and may only be used by the Eligible Platinum Card Member.
Read our review of the American Express Platinum Card for more information.
Apply here: The Platinum Card from American Express with 80,000 points after spending $8,000 on purchases in the first six months of cardmembership.
Marriott Bonvoy Brilliant American Express Card
The Marriott Bonvoy Brilliant is the chain’s most lavish card offering and comes with perks like automatic Platinum Elite status and up to $25 in statement credits each month when you use your card at eligible restaurants worldwide.
THE POINTS GUY
You’ll also earn 6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar at restaurants worldwide and on flights booked directly with airlines, as well as 2 points per dollar on other purchases eligible purchases.
Read our review of the Bonvoy Brilliant for more information.
Apply here: Marriott Bonvoy Brilliant with 185,000 bonus points after spending $6,000 on purchases in the first six months of account opening. Offer ends Oct. 2.
Capital One Venture Rewards Credit Card
The Venture Rewards packs a pretty good punch for a mid-tier credit card. It earns a flat 2 miles per dollar spent on all purchases worldwide, but you can earn 5 miles per dollar on hotels, vacation rentals, and car rentals booked through Capital One Travel. The miles you earn with this card can be transferred to Capital One’s 15-plus airline and hotel partners or redeemed through the Capital One Travel portal.
JLCO-JULIA AMARAL/GETTY IMAGES
The card stands out for offering an application fee credit for Global Entry or TSA PreCheck®; many other cards that offer this benefit have annual fees of $400 or more. This TSA PreCheck/Global Entry application fee credit is up to $120. The Venture Rewards card doesn’t impose foreign transaction fees (see rates and fees), so you can use the card overseas without accumulating extra charges.
Read our review of the Capital One Venture Rewards Card for more information.
Apply here: Capital One Venture Rewards Credit Card with 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Capital One Venture X Rewards Credit Card
The Venture X card is Capital One’s premium rewards card, offering great earning rates and incredible perks.
Aside from a hefty welcome bonus of 75,000 miles after spending $4,000 on purchases in the first three months — worth about $1,388 according to our September 2024 valuations and thanks to Capital One’s excellent airline and hotel transfer partners — the card gives members $300 in credits annually for bookings made through Capital One Travel and 10,000 bonus miles every account anniversary, starting on their first anniversary.
THE POINTS GUY
As for earning rates, the Venture X racks up 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights and vacation rentals booked via Capital One Travel, and an unlimited 2 miles per dollar on everything else.
Frequent travelers will also enjoy access to Capital One’s growing network of airport lounges and the ability to enroll for Priority Pass membership for entry into more than 1,300 lounge locations worldwide. The card has access to Plaza Premium lounges and the Premier Collection, giving cardholders on-property perks at a curated set of luxury hotels.
Read our review of the Capital One Venture X card for more information.
Apply here: Capital One Venture X Rewards Credit Card with 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.
Delta SkyMiles cards
Delta’s personal and business cards — the Delta SkyMiles® Gold American Express Card and Gold Business, Platinum and Platinum Business and Reserve and Business Reserve — are sporting elevated welcome offers, with five that provide at least $1,080 in value, based on TPG’s September 2024 valuations. These offers end Oct. 23.
ZACH GRIFF/THE POINTS GUY
Many travelers love Delta due to its onboard product and loyalty program. Delta has a solid family of credit cards, offering perks like free checked bags and priority boarding to premium cards that include perks like lounge access and complimentary upgrades.
Learn more about Delta’s card offerings.
Apply here: Delta SkyMiles Business Gold with 90,000 bonus miles after spending $6,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
Apply here: Delta SkyMiles Platinum with 90,000 bonus miles after spending $4,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
Apply here: Delta SkyMiles Business Platinum with 100,000 bonus miles after spending $8,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
Apply here: Delta SkyMiles Reserve with 100,000 bonus miles after spending $6,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
Apply here: Delta SkyMiles Business Reserve with 110,000 bonus miles after spending $12,000 on purchases in the first six months of cardmembership. Offer ends Oct. 23.
Marriott Bonvoy Bevy Credit Card
The Marriott Bonvoy Bevy offers several solid mid-tier perks, like automatic Gold Elite status, and is in the middle of Marriott’s range of card offerings.
THE POINTS GUY
The card also offers a free night award to those who make at least $15,000 in eligible purchases during the calendar year, worth up to 50,000 points at participating hotels (although certain hotels have mandatory resort charges).
Read our review of the Bonvoy Bevy for more information.
Apply here: Marriott Bonvoy Bevy American Express Card with 155,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first six months of account opening. Offer ends Oct. 2.
American Express Gold Card
The Amex Gold card was refreshed in July and is a favorite of many TPG staffers thanks (in large part) to its terrific earning rates:
4 points per dollar on dining at restaurants on the first $50,000 in purchases per calendar year (then 1 point per dollar)
4 points per dollar at U.S. supermarkets on up to $25,000 in purchases per calendar year (1 point per dollar after that)
3 points per dollar on flights booked directly with airlines or through amextravel.com
2 points per dollar on prepaid hotels and other eligible purchases booked through amextravel.com
1 point per dollar on all other eligible purchases
THE POINTS GUY
The card also offers up to $120 in Uber Cash annually (up to $10 per month) that can be used for Uber rides and Uber Eats purchases in the U.S. (must add a card to Uber account). You’ll also receive up to $120 in annual statement credits (up to $10 per month) for select dining purchases and other credits as well. All of this is available for a manageable annual fee of $325 (see rates and fees). Enrollment is required for select benefits.
You may be able to find elevated welcome offers through the CardMatch tool. The card currently features a public welcome offer of 60,000 points after you spend $6,000 on eligible purchases within the first six months of card membership; plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. However, some new customers can earn a higher welcome offer via the CardMatch tool after meeting the same minimum spending requirements. Note that these elevated offers are targeted and subject to change at any time.
Alternatively, you can refer a friend through the Amex referral program.
Read our review of the American Express Gold Card for more information.
Apply here: American Express Gold Card with 60,000 points after spending $6,000 in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. This offer ends Nov. 6.
World of Hyatt Business card
The World of Hyatt Business Card is a solid option for business owners who don’t mind spending their way toward valuable benefits.
THE POINTS GUY
Among other perks, you’ll get up to $100 in Hyatt credits annually (a $50 statement credit twice each anniversary year) when you use your card to spend $50 or more at Hyatt hotels and resorts, plus five tier-qualifying night credits for every $10,000 you spend each calendar year.
Read our review of the World of Hyatt Business for more information.
Apply here: World of Hyatt Business card with up to 75,000 points: 60,000 points after spending $5,000 within the first three months from account opening, plus 15,000 points after spending $12,000 in the first six months from account opening. Offer ends Sept. 26.
Chase Sapphire Reserve
The Chase Sapphire Reserve is one of the best rewards credit cards on the market, guaranteed to upgrade your travel lifestyle.
THE POINTS GUY
You’ll earn 10 points per dollar on hotels and car rentals through Chase Travel℠, racking up valuable Ultimate Rewards points that can be transferred to hotel and airline partners or redeemed directly for flights at a rate of 1.5 cents per point. You’ll also get a $300 annual travel credit, airport lounge access and a host of other great perks.
Read our full review of the Sapphire Reserve card for more information.
Apply here: Chase Sapphire Reserve with 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening.
Chase Sapphire Preferred Credit Card
The Chase Sapphire Preferred is one of the best and most cost-effective travel rewards credit cards on the market.
THE POINTS GUY
You’ll earn 5 points per dollar on travel booked through Chase Travel℠ and Lyft purchases (through March 31, 2025), 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on everything else. These valuable points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠.
Read our review of the Sapphire Preferred for more information.
Apply here: Chase Sapphire Preferred with 60,000 bonus points after spending $4,000 on purchases in the first three months of account opening.
Avios cards
Chase’s three Avios-earning cards — the Aer Lingus Visa Signature Card, British Airways Visa Signature Card and Iberia Visa Signature Card — have elevated welcome offers worth $1,190, based on TPG’s September 2024 valuations.
An Aer Lingus aircraft in Dublin, Ireland. SEAN CUDAHY/THE POINTS GUY
The Avios earning cards allow you to transfer your Avios between these programs in any direction at a 1:1 rate as often as you want. You can also use Avios to book domestic flights on American and Alaska Airlines, making this a card you should consider even if you don’t live in or travel to Europe.
Learn more about the Avios card offerings.
Apply here: Aer Lingus Visa Signature Card with 85,000 Avios after spending $5,000 on purchases within the first three months of account opening.
Apply here: British Airways Visa Signature Card with 85,000 Avios after spending $5,000 on purchases within the first three months of account opening.
Apply here: Iberia Visa Signature Card with 85,000 Avios after spending $5,000 on purchases within the first three months of account opening.
Southwest cards
Southwest’s personal card offerings — including the Southwest Rapid Rewards Priority Credit Card and the Southwest Rapid Rewards Plus Credit Card — sport elevated welcome offers that provide at least $1,190 in value, based on TPG’s September 2024 valuations.
ZACH GRIFF/THE POINTS GUY
Many travelers love Southwest Airlines, and this love only grows if you have one of the best Southwest Airlines credit cards in your wallet. The airline has a unique value proposition, including no change fees and two free checked bags for all passengers.
When you pair those perks with a strong route network — including international destinations and Hawaii — and an easy-to-use Rapid Rewards frequent flyer program, it’s easy to see why Southwest has created a loyal customer base.
Learn more about Southwest’s card offerings.
Apply here: Southwest Rapid Rewards Priority Credit Card with 85,000 points after spending $3,000 on purchases in the first three months from account opening.
Apply here: Southwest Rapid Rewards Plus Credit Card with 85,000 points after spending $3,000 on purchases in the first three months from account opening.
United Club Infinite Card
The United Club Infinite Card is the best card for United lounge access — bar none. If you’re a loyal United flyer who spends a significant amount of money with the airline each year, this card will make a great addition to your wallet.
THE POINTS GUY
Its $525 annual fee sounds high until you factor in the United Club membership included with the card. Membership normally costs $650 per year for non-elite members.
Read our review of the United Club Infinite for more information.
Apply here: United Club Infinite with 80,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.
Marriott Bonvoy Boundless Credit Card
The Marriott Bonvoy Boundless is a card with a moderate annual fee and provides solid perks for frequent and infrequent Marriott travelers. If you want a free night award and automatic elite status, this card can be a great addition to your wallet.
THE POINTS GUY The $95 annual fee can easily be offset by the free night award and solid earnings on Marriott stays. This card is worth considering even if you don’t stay at Marriott properties frequently.
Read our review of the Marriott Bonvoy Boundless for more information.
Apply here: Marriott Bonvoy Boundless with 125,000 bonus points after spending $5,000 on eligible purchases within the first three months from account opening.
Aeroplan card
The Aeroplan Credit Card is one of the best cobranded airline credit cards on the market, with award flexibility and valuable airline benefits.
THE POINTS GUY
With its strong earning rate and incentives to spend on the card beyond earning the sign-up bonus, the Aeroplan credit card is worth considering for many points and miles enthusiasts — even those who don’t live in Canada.
Read our review of the Aeroplan card for more information.
Apply here: Aeroplan card with 70,000 bonus points after spending $3,000 in the first three months of account opening.
Bottom line
The quickest way to earn points and miles is by signing up for a new credit card. If any of these offers interest you, act sooner rather than later, as limited-time offers may disappear.
Remember that Chase’s 5/24 rule means that it’s often best to apply for Chase cards before other issuers’ products. And here’s some help on how to choose the best credit card for you.
For rates and fees of the Amex Platinum card, click here. For rates and fees of the Amex Business Platinum card, click here. For rates and fees of the Amex Business Gold card, click here. For rates and fees of the Amex Gold card, click here. For rates and fees of the Delta SkyMiles Gold Business, click here. For rates and fees of the Delta SkyMiles Platinum Business, click here. For rates and fees of the Delta SkyMiles Reserve Business, click here. For rates and fees of the Delta SkyMiles Platinum, click here. For rates and fees of the Delta SkyMiles Reserve, click here. For rates and fees of the Marriott Business Amex, click here. For rates and fees of the Marriott Bonvoy Brilliant, click here. For rates and fees of the Marriott Bonvoy Bevy, click here.
Frank Family Vineyards, a part of the Treasury Wine Estates (TWE) family of brands, has announced the installation of 401 kWAC of solar power on its property. The installation will generate at least 75% of the winery’s electricity needs, including powering the winery, tasting room and new hospitality space, The Miller House. Through a combination of on-site solar and purchased renewable energy, Frank Family Vineyards is powered by 100% renewable electricity.
