Best Credit Card Sign-Up Bonuses in July 2024

With the Capital One Venture Rewards Credit Card, you’ll earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel. 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.

The Citi Strata Premier^℠ Card lets you earn 70,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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.

The Chase Sapphire Preferred^® Card offers one of the most valuable sign-up bonuses currently available: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. However, you can squeeze even more from your points by transferring them to one of Chase’s 12-plus travel partners. The card does come with a $95 annual fee, though the value of the sign-up bonus more than makes up for that in the first year.

The Discover it^® Cash Back tops all other cash back cards with its unique sign-up bonus: 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, allowing you to earn bonus cash back on quarterly rotating categories (activation required). Plus, you’ll get a 15-month intro APR on purchases — all for a $0 annual fee.

With the Chase Freedom Unlimited^®, you’ll earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. You’ll also get an excellent rewards program, an intro APR on purchases and balance transfers and solid purchase and travel protections. Plus, you can transfer your rewards to a premium Chase Ultimate Rewards® card to boost your redemption value by 25% to 50%.

In addition to elevated cash back rewards on dining, entertainment and grocery purchases, the Capital One Savor Cash Rewards Credit Card comes with a hefty sign-up bonus. You’ll earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Just know that this card comes with a $95 annual fee, bringing the actual value down to $205. Still, this is a bit higher than the typical $200 offered by some of the best cash back credit cards.

The Blue Cash Preferred^® Card from American Express comes with one of the highest welcome offers around for cash back cards: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. The six-month window is a notable benefit, as most cards only give you three months to meet the spend requirement for similar offers.

Additionally, the Blue Cash Preferred^® Card from American Express comes with an intro APR on purchases and a generous rewards program highlighted by a whopping 6% cash back (on up to $6,000 per year, then 1%) on U.S. supermarket purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The $0-annual-fee Chase Freedom Flex℠ comes with a solid, easy-to-earn sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. This is among the lowest spending requirements for any credit card sign-up bonus. But the signature of the Chase Freedom Flex℠ is its rewards program, which lets you earn 5% cash back (on up to $1,500) on different bonus categories each quarter when activated. You’ll also get an intro APR on purchases and balance transfers, as well some nice World Elite Mastercard benefits.

The Alaska Airlines Visa Signature^® credit card offers tremendous savings through a combo 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.

The Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® lets you earn 50,000 American Airlines AAdvantage^® bonus miles after spending $2,500 in purchases within the first 3 months of account opening. American Airlines miles are worth 29% more than the average mile, making this one of the best airline card sign-up bonuses available. Plus, the card’s annual fee is waived for the first year, so you won’t have to worry about that cutting into your rewards. The Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® also comes with a solid rewards program, valuable travel benefits and the opportunity to earn a $125 American Airlines flight discount.

The United℠ Explorer Card comes with a limited-time offer: 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. Plus, the card’s annual fee is waived for the first year, meaning you’ll get to pocket that full amount. The card also boasts a solid rewards rate and bevy of travel perks, including one free checked bag per flight, priority boarding, annual United Club passes and a credit for Global Entry, TSA PreCheck or Nexus.

The United Quest℠ Card boasts a generous welcome offer pairing bonus miles with Premier qualifying points (PQPs): Limited-time offer: Earn 70,000 bonus miles and 500 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 flyers 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.

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 huge 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 American Airlines purchases, the card also offers 10x miles on car rentals and hotels booked through AA.com, as well as premium travel perks and protections.

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. You’ll earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. This spending requirement is also lower than those found on other airline credit cards.

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.

Along with a boosted earning rate on Delta and hotel purchases, the Delta SkyMiles^® Platinum American Express Card comes with a solid welcome offer: Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Note that you have a six-month window to earn the offer, which 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 $550 – 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.

With the Delta SkyMiles^® Gold American Express Card, you’ll earn 40,000 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.

A top choice for IHG loyalists, the IHG One Rewards Premier Credit Card comes with an excellent sign-up bonus: Earn 5 Free Nights after spending $4,000 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 each year and automatic Platinum Elite status.

The Marriott Bonvoy Boundless^® Credit Card is currently offering the best sign-up bonus of any hotel credit card. You’ll earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your 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.

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 95,000 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 $855. To justify the hefty price tag, the card also comes with a generous rewards program, luxury travel perks and over $400 in annual credits.

The World of Hyatt Credit Card comes with a valuable but complicated sign-up bonus: Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

While the card markets the highest bonus potential as 60,000 points (30,000 initial bonus points plus the chance to earn 30,000 more), the actual limit is 45,000 points. That’s because half of the additional bonus (15,000 points) is earned via the card’s regular rewards program. Still, we value Hyatt points at 1.7 cents each, making this bonus worth around $765.

A favorite among Hilton fans, the Hilton Honors American Express Surpass^® Card boasts a large welcome offer with a relatively low spending requirement. You can earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

The card also features a generous rewards program with a variety of bonus categories, including 12x points on Hilton purchases. Plus, you’ll get automatic Hilton Honors Gold status (enrollment required) and several valuable travel benefits.

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 $3,000.

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 $1,000 in travel and business credits.

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 120,000 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.

The sign-up bonus — and the rewards you earn with the card — are paid out in flexible Chase Ultimate Rewards® points. These can be redeemed for cash back, gift cards, travel and more, but you’ll get even more value through a 1:1 transfer to one of Chase’s many travel partners.

Points and miles aren’t for everyone — and this is where the Capital One Spark Cash Plus comes in. It lets you earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. Plus, you can earn an additional $200 cash bonus every year you spend at least $200,000. 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, which could lessen the value of the bonus, but this will be refunded if you spend at least $150,000 during the year.

With the Hilton Honors American Express Card, you can earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. Even though Hilton points are worth less than other hotel points, this is a great bonus for a no-annual-fee credit card. Plus, you’ll get a generous rewards program — highlighted by 7x points on Hilton stays — and automatic Hilton Honors Silver status (enrollment required).

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 60,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $2,000 on purchases in your 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.

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 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening. That’s worth up to two 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.