Best Credit Card Sign-Up Bonuses in August 2025
What's the best credit card sign-up bonus right now?
What's the best credit card sign-up bonus right now?
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Cardis the best credit card sign-up bonus you can earn because the miles are so valuable and flexible. In fact, this bonus can be worth $1,350 or more when transferred to the right travel partner.
Key takeaways
- A sign-up bonus is one of the best ways for new cardholders to get value from their credit card, with some bonuses being worth over $1,000.
- Travel cards may offer larger sign-up bonuses, but they often come with higher annual fees and spending requirements to earn the bonus.
- Cash back cards offer easy-to-earn sign-up bonuses typically valued at around $200, although some are worth even more.
- When comparing the best credit card sign-up bonuses, consider the card’s annual fee, the spending requirement to earn the bonus and the ongoing rewards value.
Best travel credit card sign-up bonuses
- Capital One Venture Rewards Credit Card
- The Platinum Card® from American Express
- Chase Sapphire Preferred® Card
- Citi Strata Premier® Card
Best cash back credit card sign-up bonuses
- Discover it® Cash Back
- Blue Cash Preferred® Card from American Express
- Wells Fargo Active Cash® Card
Best airline credit card sign-up bonuses
- Southwest Rapid Rewards® Plus Credit Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi® / AAdvantage® Executive World Elite Mastercard®
- The New United Quest℠ Card
- Alaska Airlines Visa Signature® credit card
- The New United℠ Explorer Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Gold American Express Card
Best hotel credit card sign-up bonuses
- Marriott Bonvoy Boundless® Credit Card
- Marriott Bonvoy Brilliant® American Express® Card
- IHG One Rewards Premier Credit Card
- World of Hyatt Credit Card
- Hilton Honors American Express Surpass® Card
Best sign-up bonus credit cards with no annual fee
- IHG One Rewards Traveler Credit Card
- Hilton Honors American Express Card (see rates & fees)
- Marriott Bonvoy Bold® Credit Card
Best business credit card sign-up bonuses
Best travel credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
The Platinum Card® from American Express
|
As high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| $695 | $3,262 | ||
Chase Sapphire Preferred® Card
 Apply Now
on Chase's secure site Rates & Fees |
75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| $95 | $1,405 |
Apply Now
on Chase's secure site Rates & Fees |
|
Capital One Venture Rewards Credit Card
|
75,000 miles
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
| $95 | $1,255 | ||
Citi Strata Premier® Card
Apply Now
on Citibank's secure site Rates & Fees |
60,000 points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
| $95 | $985 |
Apply Now
on Citibank's secure site Rates & Fees |
Best cash back credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Wells Fargo Active Cash® Card*
|
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| $0 | $600 | ||
Discover it® Cash Back
Apply Now
on Discover's secure site Rates & Fees |
Unlimited Cashback Match
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
| $0 | $340 |
Apply Now
on Discover's secure site Rates & Fees |
|
Blue Cash Preferred® Card from American Express
|
$250 statement credit
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
| $0 intro annual fee for the first year, then $95. | $250 |
Best airline credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Apply Now
on Citibank's secure site Rates & Fees |
80,000 miles
For a limited time, earn 80,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
| $99, waived for first 12 months | $1,360 |
Apply Now
on Citibank's secure site Rates & Fees |
|
Southwest Rapid Rewards® Plus Credit Card
Apply Now
on Chase's secure site Rates & Fees |
100,000 points
Limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening.
| $99 | $1,301 |
Apply Now
on Chase's secure site Rates & Fees |
|
Alaska Airlines Visa Signature® credit card*
|
50,000 miles
50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
| $95 | $1,051 | ||
The New United℠ Explorer Card
Apply Now
on Chase's secure site Rates & Fees |
60,000 miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
| $150 | $780 |
Apply Now
on Chase's secure site Rates & Fees |
|
Citi® / AAdvantage® Executive World Elite Mastercard®*
|
70,000 miles
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
| $595 | $595 | ||
The New United Quest℠ Card
Apply Now
on Chase's secure site Rates & Fees |
70,000 miles
Earn 70,000 bonus miles and 1,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
| $350 | $560 |
Apply Now
on Chase's secure site Rates & Fees |
|
Delta SkyMiles® Gold American Express Card
|
50,000 miles
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
| $0 introductory annual fee for the first year, then $150. | $550 | ||
Delta SkyMiles® Platinum American Express Card
|
60,000 miles
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
| $350 | $310 |
Best hotel credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Marriott Bonvoy Boundless® Credit Card*
|
3 Free Night Awards
Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
| $95 | $1,350 | ||
World of Hyatt Credit Card*
|
2 Free Night Awards
Earn 2 free nights at any Category 1–4 Hyatt hotel or resort after you spend $4,000 on purchases in the first 3 months from the account opening. Plus, 25,000 Bonus Points after you spend $12,000 on purchases in the first 6 months from account opening.
| $95 | $1,220 | ||
Hilton Honors American Express Surpass® Card
|
130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
| $150 | $650 | ||
IHG One Rewards Premier Credit Card*
|
140,000 Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
| $99 | $500 | ||
Marriott Bonvoy Brilliant® American Express® Card
|
185,000 points
Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
| $650 | $270 |
Best sign-up bonus credit cards with no annual fee
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
IHG One Rewards Traveler Credit Card*
|
80,000 points
Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
| $0 | $500 | ||
Hilton Honors American Express Card
|
80,000 points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
| $0 | $400 | ||
Marriott Bonvoy Bold® Credit Card*
|
30,000 points
Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within the first 3 months from account opening.
| $0 | $270 |
Best business credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
The Business Platinum Card® from American Express
|
150,000 points
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
| $695 | $2,305 | ||
Capital One Spark Cash Plus
|
$2,000 cash back
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
| $150 | $1,850 | ||
Ink Business Preferred® Credit Card
Apply Now
on Chase's secure site Rates & Fees |
90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| $95 | $1,705 |
Apply Now
on Chase's secure site Rates & Fees |
Methodology: How we chose the best sign-up bonus credit cards
To select the best credit card bonuses, our experts reviewed over 200 credit cards from more than 50 issuers. Comparing them against the average credit card sign-up bonus in America, we used the following method to determine the most valuable welcome offers:
- First, we calculated average values for points and miles for each rewards program.
- Then, we multiplied the number of bonus points or miles by their average value.
- Finally, we subtracted the card’s annual fee from that total to get the actual value of the sign-up bonus.
Other contributing factors include the spend amount required to earn the bonus, the card’s ongoing rewards and the variety of benefits offered, including travel perks and purchase protections.
Best travel credit card sign-up bonuses
Capital One Venture Rewards Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 75,000 miles
(worth around $1,350*)
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
- High rewards rate on hotels, vacation rentals and rental cars booked through Capital One’s travel portal
- Flexible redemption options
- TSA PreCheck®/Global Entry credit
- Foreign transaction fee: None
- Transfer points to 15+ travel partners
- $95 annual fee
- No major U.S. airline partners
With the Capital One Venture Rewards Credit Card, you’ll earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. This is a great bonus because Capital One Miles are so flexible. You can redeem them for cash back, gift cards, travel and more — but you’ll get the most value when you transfer them to one of Capital One’s 15-plus travel partners.
- Click APPLY NOW to apply online.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
Why it’s in my wallet
I applied for the Capital One Venture Rewards Credit Card when Capital One offered a $250 credit for purchases made through Capital One’s travel portal. The generous miles in the sign-up bonus helped me cover a round-trip flight to Bulgaria (less taxes and fees) by transferring those miles to Air Canada. Then I used the $250 credit to pay for a weekend vacation rental in Cocoa Beach during a busy season. This sign-up bonus almost covered the cost of two separate trips!
–Isabella Kok, credit cards writer at LendingTree
The Platinum Card® from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn As high as 175,000 points (worth around $3,500*)
*Based on LendingTree’s value methodology
- Generous welcome offer
- High rewards rate for travel
- Transfer points 1:1 to 20 travel partners
- More than $1,000 worth of annual credits
- Access to the largest lounge network of any card issuer (as of 10/2024)
- $695 annual fee
- Low rewards earning rate outside of travel purchases
- International acceptance may be limited
- Credits can be hard to maximize
The Platinum Card® from American Express is a valuable card for travelers who can make use of its many benefits. You’ll get access to the widest network of airport lounges of any card issuer (as of 10/2024), including Centurion lounges. It also offers more than $1,000 worth of credits that can more than offset the annual fee each year.
Fine print: You may be ineligible for the welcome offer if you have or have previously had this card or a similar one from the issuer.
- Click APPLY NOW to apply online.
- 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 your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
- Rates & Fees
Chase Sapphire Preferred® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 75,000 points
(worth around $1,500*)
- Elevated rewards on travel, dining and online grocery purchases
- Transfer points 1:1 to 10+ travel partners
- Get up to a 75% bonus on select travel portal redemptions
- Great travel protections
- $0 foreign transaction fees
- $95 annual fee
- Requires excellent credit
- No airport lounge access
The Chase Sapphire Preferred® Card lets new cardholders earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Depending on how you redeem this bonus, it could be worth $1,500 or more*. You’ll also get a solid rewards program and some great travel protections, including primary car rental insurance.
- Click APPLY NOW to apply online.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Rates & Fees
Why it’s in my wallet
“The Chase Sapphire Preferred® Card was the perfect travel card for me. The sign-up bonus — and points-earning ability from the Chase Freedom Flex℠ and Chase Freedom Unlimited® on top of that — let me quickly pay for my holiday travel from Oregon to Florida shortly after I applied.”
– Kristen Grau, credit cards writer at LendingTree
Citi Strata Premier® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 60,000 points
(worth around $1,080*)
- Elevated rewards on travel and everyday categories like gas and groceries
- Transfer points to 10+ travel partners
- $100 annual hotel credit
- 0% foreign transaction fees
- $95 annual fee
- Only one U.S. airline transfer partner (JetBlue)
The Citi Strata Premier® Card lets you earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. But this bonus becomes even more valuable when you transfer your Citi ThankYou® points to one of Citi’s many travel partners. Other notable features include an excellent rewards program and a $100 annual hotel credit, which essentially cancels out the card’s $95 annual fee.
Fine print: The bonus is not available if you received a new account bonus for a Citi Premier or Citi Strata Premier account in the past 48 months or converted another Citi credit card account on which you earned a new account bonus in the last 48 months.
- Click APPLY NOW to apply online.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- Rates & Fees
Best cash back sign-up bonuses
Discover it® Cash Back
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Welcome offer: Earn Unlimited Cashback Match
(worth around $340*)
- Cash back on every purchase
- Elevated earning rate on rotating bonus categories
- Intro APR on purchases and balance transfers
- $0 annual fee
- Foreign transaction fees: None
- Bonus categories require activation
- Spending cap on higher cash back rate
The Discover it® Cash Back tops all other cash back cards with its unique welcome offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. The card also comes with a great rewards program that lets you earn bonus cash back on quarterly rotating categories (activation required). Plus, you’ll get a long intro APR on purchases and balance transfers — all for a $0 annual fee.
- Click APPLY NOW to apply online.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- Rates & Fees
Wells Fargo Active Cash® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn $200 cash rewards
- Earns elevated cash back on purchases
- Intro APR on purchases and balance transfers
- $0 annual fee
- Helpful travel protections
- Foreign transaction fees
- Balance transfer fees
- Some reward redemptions aren’t instant
With the Wells Fargo Active Cash® Card, you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. You’ll also earn unlimited 2% cash rewards on purchases with the opportunity to earn more with Wells Fargo Offers. And if you need, there’s an intro APR on purchases and balance transfers. This card comes with Visa Signature benefits like cell phone insurance and travel protection.
- Click APPLY NOW to apply online.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Rates & Fees
Why it’s in my wallet
“My husband recently got the Wells Fargo Active Cash® Card to have a 2% cash back card for purchases that don’t get elevated cash back with other cards. Due to unexpected car repairs, we earned the welcome offer within the first month and can use it to cover part of the cost so we didn’t have to dip into our emergency fund.”
– Charlotte Zhang, credit cards writer at LendingTree
Blue Cash Preferred® Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn $250 statement credit
- High earning rate on everyday purchases
- One of the most rewarding cards for U.S. supermarket purchases
- Intro APR on purchases
- Annual fee
- Spending cap on highest earning rate
- Foreign transaction fees
With the Blue Cash Preferred® Card from American Express, you can earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. This is a very long period of time, since most cards only give you three months to meet the spending requirement for similar offers. Additionally, this card comes with an intro APR on purchases and one of the highest cash back* rates you can get on U.S. supermarket purchases (on up to $6,000 per year, then 1%) — making it our pick for the best credit card for groceries.
- Click APPLY NOW to apply online.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Best airline credit card sign-up bonuses
Southwest Rapid Rewards® Plus Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 100,000 points
(worth around $1,400*)
- Elevated rewards on Southwest purchases and everyday spending categories
- Low annual fee
- 3,000 annual anniversary points
- Opportunity to earn Southwest Companion Pass®
- Gas and grocery categories limited to $5,000 in combined purchases per year
- Limited international travel options
- Fewer perks compared to other Southwest cards
Despite having a lower annual fee, the Southwest Rapid Rewards® Plus Credit Card boasts the same great sign-up bonus as the higher-tier Southwest Rapid Rewards® Priority Credit Card (see rates & fees). You’ll earn a limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening. While it does come with fewer perks than other Southwest credit cards, you’ll still get 3,000 annual anniversary points, 10,000 annual Companion Pass® points and 25% back on in-flight purchases.
- Click APPLY NOW to apply online.
- Limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening.
- 3,000 anniversary points each year.
- Earn 2 points per $1 spent on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
- Select a Standard seat within 48 hours prior to departure, when available.
- Earn 1 point for every $1 spent on all other purchases.
- No foreign transaction fees.
- Member FDIC
- Rates & Fees
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 80,000 miles
(worth around $1,360*)
- Elevated rewards on eligible American Airlines flights, gas and restaurants
- Valuable travel benefits
- Earn a $125 flight discount based on annual spending
- 0% foreign transaction fees
- Annual fee ($99, waived for first 12 months)
- No travel or purchase protections
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great choice for frequent flyers who prefer American Airlines. American Airlines miles are worth 31% more than the average airline mile by our estimates, making this one of the best airline card sign-up bonuses available. Plus, with the card’s annual fee of $99, waived for first 12 months, you won’t have to worry about that cutting into your rewards during the first year of card membership. It also comes with a solid rewards program, valuable travel benefits and the opportunity to earn a $125 American Airlines flight discount after you spend at least $20,000 in purchases in a year and renew your credit card.
- Click APPLY NOW to apply online.
- For a limited time, earn 80,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Rates & Fees
Citi® / AAdvantage® Executive World Elite Mastercard®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 70,000 miles
(worth around $1,190*)
- High earning rate on rental cars and hotels booked through AA.com and on American Airlines purchases
- Premium travel perks
- Solid travel protections
- Global Entry® or TSA PreCheck® application fee credit
- 0% foreign transaction fees
- $595 annual fee
- Limited rewards bonus categories
Even with its $595 annual fee, the Citi® / AAdvantage® Executive World Elite Mastercard® provides exceptional value for American Airlines loyalists — thanks in part to its generous sign-up bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
In addition to elevated rewards on eligible American Airlines purchases, the card offers a generous 10x miles on eligible car rentals and eligible hotels booked through AA.com. Combine this with premium travel perks and protections, and you’ve got the best American Airlines credit card.
- Click APPLY NOW to apply online.
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
- Rates & Fees
The New United Quest℠ Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 70,000 miles
(worth around $910*)
- Elevated rewards on dining, hotels, United Airlines purchases and more
- Earn up to 18,000 Bonus PQPs each year on purchases
- Annual 10,000-mile award flight discount on your account anniversary
- Great travel perks and protections
- Annual $200 United travel credit
- $350 annual fee
- Rewards limited to United Airlines
- No United Club access
The New United Quest℠ Card boasts a generous welcome offer pairing bonus miles with Premier qualifying points (PQPs): Earn 70,000 bonus miles and 1,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open. The miles are a great value, but frequent United fliers may be even more excited about the PQP boost. This is a nice head start toward earning MileagePlus® Premier® status, which gives you access to even more United benefits.
- Click APPLY NOW to apply online.
- Earn 70,000 bonus miles and 1,000 PQP
- 3x miles on United® purchases
- 2x miles on dining, select streaming services, and all other travel
- 1x mile on all other purchases
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
- Earn a 10,000-mile eligible award flight discount after spending $20,000 each calendar year
- Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
- Member FDIC
- Rates & Fees
Alaska Airlines Visa Signature® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 50,000 miles
(worth around $800*)
Earn 50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
- Earn valuable Alaska miles on every purchase
- Chance to earn Alaska’s Famous Companion Fare™ each year
- Free checked bag and priority boarding on Alaska flights for you and up to
- Foreign transaction fees: None
- $95 annual fee
- Alaska Airlines has a limited flight network
The Alaska Airlines Visa Signature® credit card offers tremendous savings through a pairing of valuable Alaska Airlines miles and Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23). You’ll also get great perks from Alaska Airlines, including free checked bags and priority boarding. Plus, you’ll qualify for a companion fare each account anniversary after you spend $6,000 on the card in the prior year.
- Click APPLY NOW to apply online.
- LIMITED TIME ONLINE OFFER—50,000 Bonus Miles!
- 50,000 bonus miles plus a companion fare for just the taxes and fees when you make $3,000 or more in purchases within the first 90 days.
- Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
The New United℠ Explorer Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 60,000 miles
(worth around $780*)
- Earns bonus miles on dining, hotels and United Airlines purchases
- Free checked bag on United Airlines
- Up to a $120 credit for Global Entry, TSA PreCheck® or NEXUS application fee every four years
- Receive two one-time United Club passes each cardmember anniversary
- $0 foreign transaction fees
- Annual fee: $0 Intro for the First Year, then $150
- Rewards limited to United Airlines
The New United℠ Explorer Card lets you earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Since United Airline miles are valued at approximately 1.3 cents each, this bonus is worth around $780. The card also boasts a solid rewards rate and bevy of travel perks, including one free checked bag per flight, priority boarding, two one-time United Club passes annually and a credit for Global Entry, TSA PreCheck® or NEXUS.
- Click APPLY NOW to apply online.
- Earn 60,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
- Over $500 in partner credits each year
- Member FDIC
- Rates & Fees
Delta SkyMiles® Platinum American Express Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 60,000 miles
(worth around $660*)
- Earn 3X miles on Delta purchases and purchases made directly with hotels
- Annual companion certificate upon renewal
- MQD Boost
- 15% off when you book Award Travel with miles on Delta flights using delta.com and the Fly Delta app (terms apply)
- $350 annual fee
- No complimentary SkyClub access
Along with a boosted earning rate on Delta purchases and purchases made directly with hotels, the Delta SkyMiles® Platinum American Express Card comes with a solid welcome offer: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. The window to earn this offer is twice as long as the three months offered by most other airline cards.
Although Delta SkyMiles aren’t as valuable as other airline miles, this offer is still worth around $660 – more than enough to cover a round-trip domestic flight. Plus, you’ll also score some great travel benefits, including an annual companion certificate each renewal year.
- Click APPLY NOW to apply online.
- Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
- $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- No Foreign Transaction Fees.
- $350 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Delta SkyMiles® Gold American Express Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 50,000 miles
(worth around $550*)
- Earn elevated rewards on Delta purchases, at U.S. supermarkets and at restaurants worldwide
- $200 Delta Flight Credit after $10,000 spend on your card in a calendar year
- Up to a $100 annual Delta Stays credit
- Foreign transaction fees: None
- Annual fee
- No airport lounge access
- No intro APR offer
The Delta SkyMiles® Gold American Express Card lets you earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Although this is slightly smaller than the Delta SkyMiles® Platinum American Express Card‘s welcome offer, the card’s spending requirement and annual fee are also lower. Plus, you’ll still get some solid credits and Delta benefits, like priority boarding and a free checked bag.
- Click APPLY NOW to apply online.
- Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Why it’s in my wallet
“Since my family frequently flies in to and out of the Atlanta airport (Delta’s largest hub), I wanted a card with a generous welcome offer that could be used toward free Delta flights. On top of that, the Delta SkyMiles® Gold American Express Card offers elevated rewards on Delta purchases and good airline perks — all for a $0 introductory annual fee for the first year, then $150.“
– Tracy Brackman, senior credit cards editor at LendingTree
Best hotel credit card sign-up bonuses
Marriott Bonvoy Boundless® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 3 Free Night Awards
(worth around $2,250*)
- Elevated rewards on every purchase
- Automatic Silver Elite status
- Annual free night award after renewal
- Foreign transaction fees: $0
- $95 annual fee
- Rewards are limited to eligible Marriott stays
With the Marriott Bonvoy Boundless® Credit Card, you can earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening. This is a great value for Marriott fans, who can use the bonus for a long weekend getaway or to lessen the cost of a longer stay. This card also comes with an excellent rewards program, an annual free night award and automatic Silver Elite status — all for a reasonable $95 annual fee.
- Click APPLY NOW to apply online.
- Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X points for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No foreign transaction fees.
Marriott Bonvoy Brilliant® American Express® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 185,000 points
(worth around $1,665*)
- Generous rewards on Marriott purchases
- Marriott Bonvoy® Platinum Elite Status
- Priority PassTM Select membership (enrollment required)
- Annual free night award after renewal At hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Foreign transaction fees: None
- $650 annual fee
- Rewards are limited to eligible Marriott stays
Despite its jaw-dropping $650 annual fee, the Marriott Bonvoy Brilliant® American Express® Card offers great value for Marriott loyalists — thanks in part to its generous welcome offer. You’ll earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. We value Marriott points at about $0.009 each, making this offer worth around $1,665. To justify the hefty price tag, the card also comes with a generous rewards program, luxury travel perks and over $400 in credits.
- Click APPLY NOW to apply online.
- Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
- With Marriott Bonvoy® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
- Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
- Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
IHG One Rewards Premier Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 140,000 Bonus Points
(worth around $1,500*)
- Elevated rewards on IHG stays
- Free anniversary night each year at IHG Hotels & Resorts
- Automatic Platinum Elite status
- Fourth night free on IHG® hotel award stays
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- $99 annual fee
- IHG points not as valuable as other types of points
A top choice for IHG loyalists, the IHG One Rewards Premier Credit Card comes with an excellent sign-up bonus: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening While IHG points aren’t as valuable as the average rewards currency, this bonus is still worth around $1,500. The $99 annual fee will cut into that a bit, but you’ll also get some great perks, including a free anniversary night at IHG Hotels & Resorts each year and automatic Platinum Elite status.
- Click APPLY NOW to apply online.
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
World of Hyatt Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 2 Free Night Awards
(worth around $1,220*)
- Hyatt points are more valuable than those from other hotel brands
- Annual free night award at a category 1-4 Hyatt hotel or resort
- Complimentary Discoverist status
- Foreign transaction fees: $0
- $95 annual fee
- Hyatt’s hotel network is smaller than that of other major chains
The World of Hyatt Credit Card comes with a valuable sign-up bonus: Earn 2 free nights at any Category 1–4 Hyatt hotel or resort after you spend $4,000 on purchases in the first 3 months from the account opening. Plus, 25,000 Bonus Points after you spend $12,000 on purchases in the first 6 months from account opening.
This the most valuable offer from this card in a long while. The two award nights can be used at category 1 through 4 properties, worth up to 18,000 points each. And you can earn bonus points on top of this if you meet the spending requirement in the first six months.
- Click APPLY NOW to apply online.
- Earn 2 free nights at any Category 1–4 Hyatt hotel or resort after you spend $4,000 on purchases in the first 3 months from the account opening. Plus, 25,000 Bonus Points after you spend $12,000 on purchases in the first 6 months from account opening.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Hilton Honors American Express Surpass® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 130,000 points
(worth around $650*)
- Generous rewards program
- Complimentary Hilton Honors™ Gold status
- Up to $200 Hilton credit (up to $50 statement credits per quarter) on eligible purchases
- Free Night Reward for eligible stays after you spend $15,000 on eligible purchases in a calendar year
- Foreign transaction fees: None
- Annual fee
- Hilton points not as valuable as other hotel points
A favorite among Hilton fans, the Hilton Honors American Express Surpass® Card boasts a large welcome offer with a relatively low spending requirement: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
The card also features a generous rewards program with a variety of bonus categories, including 12x points on hotels and resorts in the Hilton portfolio charged directly with your card. Plus, you’ll get complimentary Hilton HonorsTM Gold status and access to several other valuable travel benefits.
- Click APPLY NOW to apply online.
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Terms and Limitations apply.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Best sign-up bonus credit cards with no annual fee
IHG One Rewards Traveler Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 80,000 points
(worth around $600*)
- $0 annual fee
- Automatic Silver Elite status
- Redeem three nights and get the fourth night free
- Earn 10,000 bonus points after spending $10,000 each calendar year
- Foreign transaction fees: $0
- IHG points not as valuable as other hotel points
- Fewer perks than other IHG cards
The IHG One Rewards Traveler Credit Card comes with some solid benefits and a valuable sign-up bonus, which is rare for a $0-annual-fee card. You’ll earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. That’s worth up to several nights at some IHG properties. Plus, you’ll get automatic Silver Elite status and the opportunity to earn 10,000 more bonus points after spending $10,000 in a year.
- Click APPLY NOW to apply online.
- Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Hilton Honors American Express Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 80,000 points
(worth around $400*)
- $0 annual fee
- Generous rewards on eligible Hilton purchases and other everyday categories
- Complimentary Hilton Honors™ Silver Status
- Foreign transaction fees: None
- Hilton points not as valuable as other hotel points
- Limited travel benefits
With the Hilton Honors American Express Card, you can earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Even though Hilton points are worth less than other hotel points, this is a great bonus for a $0-annual-fee credit card. Plus, you’ll get a generous rewards program — highlighted by 7X points on eligible Hilton purchases — and complimentary Hilton Honors™ Silver Status.
- Click APPLY NOW to apply online.
- Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors™ Silver Status with your Card. Silver Status gives you a 20% Bonus on Base Points you earn on every stay, plus, you receive the fifth night free when you book a standard room stay with 100% Points.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Marriott Bonvoy Bold® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 30,000 points
(worth around $270*)
- $0 annual fee
- Solid travel and purchase protections
- Foreign transaction fees: $0
- Mediocre rewards rate
- No annual reward night
- Few Marriott perks
For an entry-level hotel card with no annual fee, the Marriott Bonvoy Bold® Credit Card comes with an excellent sign-up bonus. You’ll earn 30,000 Bonus Points after spending $1,000 on eligible purchases within the first 3 months from account opening. While you won’t get many perks with this card, you will earn 3x points on Marriott stays and score some solid travel and purchase protections.
- Click APPLY NOW to apply online.
- Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within the first 3 months from account opening.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- 2X points for every $1 spent on purchases at grocery stores.
- 2X points for every $1 spent on rideshare and select food delivery.
- 2X points for every $1 spent on select streaming, and internet, cable and phone services.
- 1X point for every $1 spent on all other purchases.
- Receive 5 Elite Night Credits annually, plus complimentary Silver Elite Status. Restrictions apply.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.
Best business card sign-up bonuses
The Business Platinum Card® from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 150,000 points
(worth around $3,000*)
- Elevated rewards on travel and select business purchases
- Over $2,000 in statement credits (after meeting qualifying spend thresholds)
- Airport lounge access and other premium travel perks
- No foreign transaction fees: None
- $695 annual fee
- High spend requirement to earn welcome offer
The Business Platinum Card® from American Express is a premium business card with a premium welcome offer. Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Depending on how you redeem these points, this bonus could be worth up to $3,500.
Some business owners may not be able to meet the high spending requirement or justify the card’s $695 annual fee. But those who can will enjoy some serious benefits, including airport lounge access, Marriott Bonvoy Gold Elite status (enrollment required) and over $2,000 in statement credits (after meeting qualifying spend thresholds).
- Click APPLY NOW to apply online.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
- Rates & Fees
Capital One Spark Cash Plus
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $2,000 cash back
Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- Earn elevated cash back rewards on every purchase
- No preset spending limit
- Foreign transaction fee: None
- $150 annual fee
- High spend requirement to earn sign-up bonus
- Balance must be paid in full each month
The Capital One Spark Cash Plus lets you earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. These spending requirements are high, so this card may be better for new business owners needing to make some large initial purchases while getting started. The Capital One Spark Cash Plus does have a $150 annual fee, but this will be refunded if you spend at least $150,000 during the year.
- Click APPLY NOW to apply online.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
Ink Business Preferred® Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Sign-up bonus: Earn 90,000 points
(worth around $1,800*)
- Elevated rewards on popular business categories
- Earns valuable, flexible Ultimate Rewards® points
- Free employee cards
- Foreign transaction fee: $0
- $95 annual fee
- Spending cap on higher rewards rate
The Ink Business Preferred® Credit Card‘s huge sign-up bonus is one of many reasons why it tops our list of the best business credit cards. You’ll earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. This is a very reasonable spending requirement for a business card, as many others require you to spend more than three times that amount to earn the bonus.
You’ll earn flexible Chase Ultimate Rewards® points that can be redeemed for cash back, gift cards, travel and more. You’ll get even more value through a 1:1 transfer to one of Chase’s many travel partners.
- Click APPLY NOW to apply online.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
What is a credit card sign-up bonus?
A sign-up bonus, also called a welcome offer or welcome bonus, is an incentive offered by credit card issuers to encourage you to apply for a credit card and start using it right away. Sign-up bonuses usually come in the form of cash back, points or miles, but there are some exceptions. For example, some hotel credit cards offer free nights instead of points, which can often be a greater value.
LendingTree’s chief consumer finance analyst, Matt Schulz, notes that most Americans prefer cash back rewards to points and miles:
People like cash back cards for their simplicity. Points and miles valuations can be convoluted and tricky, while a dollar is a dollar. Most cash back bonuses are straightforward, too — spend a set amount during a given period and get back a specific dollar amount. Getting $200 for spending $1,000 on a card in 90 days is among the most common arrangements.
That being said, frequent travelers may get more value from a points or miles bonus. Some of the best travel credit cards offer sign-up bonuses worth more than $1,000.
Just keep in mind that most sign-up bonuses are earned, not given. Typically, you’ll need to spend a certain amount on the card within the first few months to earn your bonus. One notable exception to this is the Amazon Prime Visa (see rates & fees), which comes with an Amazon gift card upon approval.
Why it’s in my wallet
“I already do most of my shopping on Amazon, so the Prime Visa was a no-brainer. I earn 5% cash back on every Amazon purchase, plus 2% back on gas. I noticed that the sign-up bonus — an Amazon gift card — was fluctuating between $100 and $200. I waited until it hit $200 before applying and then used that to purchase items I had saved on my Amazon wish list.”
– Will Collicott, credit cards writer at LendingTree
How do credit card sign-up bonuses work?
Despite the name, a sign-up bonus isn’t earned when you sign up for the card. Once approved, you’ll typically have around three to six months — depending on the card issuer — to meet the minimum spend threshold required to earn the bonus. Just note that not all purchases count toward that total. You’ll want to read the fine print on your card agreement to confirm, but the following transactions are generally excluded:
- Credit card fees and interest
- Cash advances and other cash-like purchases (including gift cards)
- Balance transfers
- Gambling transactions (including lottery tickets)
Once you’ve earned the bonus, it can take anywhere from a week to a few months to post to your account.
When do credit cards increase sign-up bonuses?
Credit card sign-up bonuses can increase or decrease at any time. However, Reddit users note that increases are more likely to occur during certain times of the year when people are doing more shopping:
- Back-to-school season (August through September)
- Holiday season (November through January)
Timing your application to get the highest sign-up bonus is ideal, but your financial situation may not allow that. If the bonus goes up right after you get your card, you can always ask the card issuer if they will match the higher bonus. This doesn’t always work, but it never hurts to ask.
Did you know?
Common mistakes to avoid with sign-up bonuses
Earning a credit card sign-up bonus is great, but the relatively short-term effects of the bonus could be offset by extra fees or interest. Before opening a new credit card, consider these common credit card mistakes.
- Carrying a balance on your card and having to pay interest. Even a low interest rate will quickly offset the rewards you earn from your credit card and its bonus.
- Not meeting the spending requirements. Track your spending monthly to ensure you meet, and slightly exceed, the amount you need to spend in order to earn your bonus. Take any returns into consideration and note that some purchases take a few days to post to your account.
- Spending unwisely to meet the bonus requirements. If your regular expenses are less than the spending requirement, ensure you can afford to spend extra on sensible purchases so that you avoid carrying a balance.
- Choosing a card with a requirement that’s too high. Don’t take out a card that has a spending requirement that’s higher than what you can afford to spend on purchases.
- Making a late payment. Even paying a day late can trigger a late fee, typically around $40. Set up automatic payments to ensure your statement balance is paid off on time.
- Being unable to afford an annual fee. Cards with annual fees often come with perks that help offset the cost. However, if you can’t reasonably use these extra perks, then the card probably isn’t right for you.
- Churning through credit cards. Opening and closing accounts regularly can help you fund your next vacation, but you risk your credit score bouncing up and down in the process. Avoid this if you plan to shop for a loan or mortgage, since lenders may view a history of open and closed accounts negatively.
How to choose the best credit card sign-up bonus
With so many options, choosing the best sign-up bonus credit card can be challenging. There are several important factors to consider, including the bonus type (cash back, points or miles) and annual fee. Here are a few steps you’ll want to follow when making your decision:
First, look at the eligibility requirements of the cards you’re considering. Most sign-up bonus credit cards require a good credit score (a FICO Score of 670 or above) for approval. If your credit is lacking, you may want to consider a credit card to build credit to help you boost your score. While not as common, some of these cards offer sign-up bonuses as well.
The next step is deciding what type of rewards you want to earn. As you’ll see in the table below, there’s something for everyone:
| What do you want? | Choose … |
|---|---|
| Simple, straightforward rewards | Cash back card (ex. Discover it® Cash Back) |
| Rewards you can use in a variety of ways to get the best value (including for travel) | Flexible points card (ex. Chase Sapphire Preferred® Card) |
| Rewards for a free flight | Airline miles cards (ex. Alaska Airlines Visa Signature® credit card) or flexible points |
| Rewards for a free hotel stay | Hotel points cards (ex. Marriott Bonvoy Boundless® Credit Card) or flexible points |
One of the most important things to consider when making your choice is the card’s annual fee. While some of our picks are free to carry, others come with annual fees that can take a huge chunk out of your bonus. For example, if a bonus is worth $1,260, a $595 annual fee would bring the actual value down to $665 (which is still a great value). However, premium cards usually come with premium perks that can add to the value, like travel credits and lounge access. You should add these into the equation.
When is an annual fee worth it?
Many prospective cardholders balk at paying an annual fee and only consider fee-free cards. But for the right person, and with a little strategy, a fee might be well worth paying because of increased benefits like higher rewards, insurance protections, extended warranty protections and statement credits for shopping, travel or TSA PreCheck.
Each card is different, and you’ll have to consider which benefits you’ll use and compare the value to the cost of the card.
The Chase Sapphire Preferred® Card has an annual fee of $95, which is quickly offset by perks like an annual $50 statement credit for hotel stays through Chase Travel℠, a 10% anniversary point boost, trip cancellation/interruption insurance, auto rental insurance, lost luggage insurance, complimentary DashPass and more.
Aside from your credit score, many issuers have additional qualifying restrictions on sign-up bonuses. Major issuers typically put restrictions on earning sign-up bonuses to avoid credit card churning — the practice of repeatedly opening and closing credit cards with the intention of earning sign-up bonus rewards. Make sure that you always read the fine print of the offer before you apply.
| Issuer | Restrictions |
|---|---|
 | American Express has a once-per-lifetime bonus policy, meaning you can only get a welcome offer for a specific card once in your lifetime. |
 | Bank of America doesn’t note any restrictions specific to sign-up bonuses. However, you may not qualify for a card if you’ve had it within the past 24 months. |
 | Chase has an unwritten 5/24 rule that prevents you from being approved for a new Chase card if you’ve opened five personal credit cards (from any issuer) within the past 24 months. In addition, if you’ve received a new cardmember bonus for a particular card within the past 24 months, you won’t be eligible to receive the current sign-up bonus for that card. |
 | Citi sign-up bonuses are only available to new cardmembers who haven’t received a bonus for the same card within the past 48 months. |
 | Wells Fargo doesn’t have any hard-and-fast rules when it comes to sign-up bonuses. However, you may not qualify for an additional Wells Fargo credit card if you’ve opened one in the past six months. |
It’s important to understand the value of a bonus offer before you apply. While cash back bonuses are fairly straightforward, the value of points and miles can vary greatly depending on how you redeem them. For example, with the Chase Sapphire Preferred® Card, 75,000 points can be worth up to $1,312 when redeemed for travel through Chase’s portal but only $750 when redeemed for cash back or gift cards (see methodology).
How to calculate the value of a sign-up bonus
To determine point/mile value, you’ll first need to take the cash value of your target redemption option and divide it by the number of points or miles — be sure to subtract any taxes and fees that you have to pay in cash.
Example: $500 plane ticket – $11.20 taxes ÷ 50,000 points = ~$0.01
Then, take the point value and multiply it by the number of points in the sign-up bonus. That will give you an approximate cash value for that card’s welcome offer.
Example: 80,000 miles x $0.01 (1 cent per point) = $800
How to earn a sign-up bonus
To earn a credit card sign-up bonus, you simply have to spend a specific amount of money with your card within a certain timeframe.
If you have a card with an easy-to-earn welcome offer like the Wells Fargo Active Cash® Card, which lets you earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months, your regular spending may easily accomplish this.
However, if the spending requirement is higher than what you regularly spend, you can find other ways to meet the requirement.
- Stock up on household essentials. Buy paper products, non-perishable foods and beverages, cleaning supplies or home and auto items like lightbulbs and windshield wipers, which are things you know you’ll use and have long shelf lives.
- Prepay for a regular service in advance like a haircut or massage. Make a reminder that you’ve done this and keep your receipt so it’s not forgotten or disputed when you have your next appointment.
- Shop for upcoming gifts or holiday supplies. Shop for specific people or stock up on gift-giving essentials like cards, wrapping paper or gift bags.
- Pay ahead on a regular bill. Consider making an extra payment on your utility bill, a medical payment plan or auto insurance premium.
- Buy gift cards for places you often shop. You shouldn’t rely on this to meet your entire spending requirement, but if you’re at Starbucks a few times a week, then you can probably top up your digital gift card without issue. Gas stations, restaurants, home improvement stores and grocery stores are other places where this might work. (Be sure to read the terms in your card agreement, as some issuers prohibit this.)
Make sure that you don’t spend too much, which leads you to carry a balance and pay interest and fees. This can quickly negate credit card rewards and sign-up bonuses.
When will I get my sign-up bonus?
Once you’ve earned your sign-up bonus, it can take anywhere from a week to a few months to get your sign-up bonus. The specific amount of time depends on the issuer. According to cardholders who have shared their experience online, here’s what you can expect:
- American Express notes that your bonus will be posted to your account eight to 12 weeks after you meet the spending threshold. Cardholders report receiving the welcome offer within one billing cycle after meeting the spending requirement.
- Chase generally gives the bonus within six to eight weeks or a couple of billing cycles.
- Capital One cardholders report that they typically receive bonuses promptly, but their website states that rewards are applied within two billing cycles.
- Wells Fargo applies rewards to accounts within one to two billing cycles.
- Citi posts points in the following billing cycle but could take an additional one to two billing cycles.
Remember, your card’s terms and conditions stipulate the conditions, and it could take more or less time to receive your sign-up bonus.
Why timing matters when applying for new credit cards
Once you realize that a sign-up bonus offers massive savings, you may be tempted to sign up for as many cards as possible to earn more sign-up bonuses — we strongly advise against this. Many issuers have restrictions in place to discourage this type of behavior (sometimes called “churning”). You should carefully plan your applications for new cards to ensure that you don’t run afoul of an issuer’s guidelines and to maximize your bonus earnings. Take the following steps:
1. Look at the history of a card’s offer. Sign-up bonuses change periodically, so if you’re planning to open a new card for the sign-up bonus, it’s helpful to review its history. If the offer is lower than what you’ve seen in the past, consider waiting to apply until the offer increases so you can get a larger offer.
This is especially important with cards from American Express, which have a once-in-a-lifetime rule for earning welcome offers. If you open a card that earns Membership Rewards Points and the welcome offer increases after you have it you cannot earn the bonus points, close the card and earn another welcome offer on the same card if you reapply in the future.
2. Consider rules specific to the card issuer. It’s helpful to know about policies that banks have around their card, like the American Express rule noted above. You should also be aware of the Chase 5/24 rule, which may deny new applications if you have opened five or more credit cards within the last 24 months. Online forums suggest that Capital One limits cardholders to two subprime Capital One cards at a time, although their website states that there is no such rule.
3. Space out your credit card applications. Due to the overall impact on your credit score, you should be strategic about opening new cards to earn sign-up bonuses. Opening one or two a year should have a minimal impact on your credit score if you space them out.
How to maximize a sign-up bonus
Time your application around a big purchase
Some of the best sign-up bonuses have hefty spending requirements, which might not fit into your regular spending. However, you might be able to meet them and earn bonus cash or rewards, if you use your new credit card to pay for a vacation, school tuition, new appliances, home renovations or holiday spending.
Tip: Avoid applying for a credit card if you have upcoming plans to shop for an auto loan or mortgage. The temporary dip in your credit score caused by the credit pull could have a negative effect.
See if your bank branch has a better offer
Credit card issuers sometimes have multiple offers for the same product. Chase’s offer details section notes that the offer you receive may vary depending on where you apply. Online offers and in-branch offers may not be the same and they can vary. If you are looking at a particular card and the issuer has a branch nearby, it may be worthwhile to stop in and ask about the sign-up bonus that they are offering to applicants.
Have your partner apply for a separate card
You can double up on sign-up bonuses by having your partner open a separate card, rather than adding them as an authorized user to your credit card.
If you both choose to open cards around the same time, make sure you can meet the spending requirements for both cards. You can achieve this by tracking your spending each month and aiming to hit the requirement within the final month.
Bottom line: Are credit card bonus offers worth it?
A sign-up bonus is worth it if the card’s rewards program aligns with your regular spending habits and you can earn the bonus without stretching yourself too thin. If you end up spending more than normal, you could find yourself carrying a balance and racking up interest charges. By choosing the right card, though, you can earn huge rewards right off the bat and for years to come.
Frequently asked questions
An issuer may allow you to buy gift cards with your credit card to meet your sign-up bonus requirements, but there’s a chance your purchase will be categorized as a cash advance, and you may have to pay a fee to activate the card.
Yes, spending by an authorized user counts toward earning a sign-up bonus. Note, however, that if your spouse is an authorized user on your card, they may not be able to qualify for a sign-up if they open a separate account for that card. Read the card’s terms and conditions carefully before adding your spouse as an authorized user.
In most cases, credit card sign-up bonuses are not taxable. Since most welcome offers require you to spend a certain amount to earn the bonus, the IRS considers this a rebate rather than taxable income. But if you receive a bonus without a spending requirement, it may be taxable. If this is the case, you’ll need to submit a Form 1099-MISC to the IRS.
The best cash back credit cards typically offer cash welcome offers worth $200 or more. Note that you’ll need to meet the offer’s spending requirement within the designated timeframe (typically the first three months) to earn the bonus. For example, the Wells Fargo Active Cash® Card lets you earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Choosing the best credit card sign-up bonus depends on whether you want to earn cash back, points or miles. Travel credit cards typically offer the highest bonus values in points or miles, but they also come with heftier spending requirements and annual fees that cut into your rewards. Cash back credit cards often lack an annual fee and offer lower sign-up bonuses that are easier to earn.
Yes, you should keep your credit card open after earning your sign-up bonus. Closing a credit card can have a negative impact on your credit score by reducing the overall age of your accounts and increasing your credit utilization ratio. Additionally, frequently opening and closing credit cards is a red flag for issuers and may decrease your approval odds in the future.
Policies vary by card issuer, but many have restrictions that limit how often you can earn a sign-up bonus for the same card or within a certain card family. Typically, you’ll need to wait for a specific period after closing your account (often 24 to 48 months) before reapplying to qualify for a new bonus. Always check the card’s terms and conditions for specific details.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
- The Platinum Card® from American Express
- Blue Cash Preferred® Card from American Express
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Gold American Express Card
- Marriott Bonvoy Brilliant® American Express® Card
- Hilton Honors American Express Surpass® Card
- Hilton Honors American Express Card
- The Business Platinum Card® from American Express
- Delta SkyMiles® Reserve American Express Card
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Wells Fargo Active Cash® Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Alaska Airlines Visa Signature® credit card, Marriott Bonvoy Boundless® Credit Card, IHG One Rewards Premier Credit Card, World of Hyatt Credit Card, IHG One Rewards Traveler Credit Card, Marriott Bonvoy Bold® Credit Card and Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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