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Best Credit Card Sign-up Bonuses of 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated June 30, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Credit card issuers continue to compete with each other to secure a spot in your wallet by offering generous sign-up bonuses.

Sign-up bonuses give cardholders the opportunity to earn a large amount of rewards in a short period of time, which can later be redeemed for cash back, travel, merchandise and more.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we highlight seven credit cards that offer some of the most valuable sign-up bonuses currently available.

Best Credit Card Sign-Up Bonuses of 2021
Best travel rewards sign-up bonus Chase Sapphire Preferred® Card
Best sign-up bonus for airline rewards United Quest℠ Card
Best sign-up bonus for hotel rewards Marriott Bonvoy Boundless™ Credit Card
Best cash-back sign-up bonus Capital One® Savor® Cash Rewards Credit Card
Best cash back sign-up bonus with no spending requirement Discover it® Cash Back
Best cash back sign-up bonus with low spend threshold Chase Freedom Flex℠
Best business card sign-up bonus Ink Business Preferred℠ Credit Card

Best For Travel rewards sign-up bonus

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure site
Introductory APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 22.99% Variable

The Chase Sapphire Preferred® Card offers one of the most lucrative sign-up bonuses available for a travel rewards card. Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Each point is valued at 1 cent — making the sign-up bonus worth $800. But when you redeem those points for travel through Chase Ultimate Rewards®, they’re worth 1.25 cents each — boosting the value of the sign-up bonus to $1,000.

In addition to redeeming rewards for travel, cash, gift cards and merchandise, you can transfer Chase Ultimate Rewards points to 10 airline partners and three hotel partners at a rate of 1:1. The travel partners are as follows: Aer Lingus AerClub, British Airways Executive Club, Emirates Skywards, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

The Chase Sapphire Preferred® Card is ideal for those wanting a travel rewards card that isn’t tied to a specific airline or hotel brand. Points can be redeemed for a variety of travel needs, including airfare, hotels, rental cars, and more. However, the card does come with a $95 annual fee, but the value of the signup bonus more than makes up for the annual fee in the first year.

In addition to the signup bonus, cardholders also get:

  • Complimentary DashPass subscription from Doordash for a minimum of one year (activation required by 12/31/2021)
  • Earn up to $60 back on a Peloton membership through 12/31/2021
  • 5x points on Lyft rides through March 2022

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Auto rental collision damage waiver</li.

The Chase Sapphire Preferred® Card offers one of the most lucrative sign-up bonuses available for a travel rewards card. Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Each point is valued at 1 cent — making the sign-up bonus worth $800. But when you redeem those points for travel through Chase Ultimate Rewards®, they’re worth 1.25 cents each — boosting the value of the sign-up bonus to $1,000.

In addition to redeeming rewards for travel, cash, gift cards and merchandise, you can transfer Chase Ultimate Rewards points to 10 airline partners and three hotel partners at a rate of 1:1. The travel partners are as follows: Aer Lingus AerClub, British Airways Executive Club, Emirates Skywards, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.

The Chase Sapphire Preferred® Card is ideal for those wanting a travel rewards card that isn’t tied to a specific airline or hotel brand. Points can be redeemed for a variety of travel needs, including airfare, hotels, rental cars, and more. However, the card does come with a $95 annual fee, but the value of the signup bonus more than makes up for the annual fee in the first year.

In addition to the signup bonus, cardholders also get:

  • Complimentary DashPass subscription from Doordash for a minimum of one year (activation required by 12/31/2021)
  • Earn up to $60 back on a Peloton membership through 12/31/2021
  • 5x points on Lyft rides through March 2022

Chase Sapphire Preferred® Card benefits include:

  • $0 foreign transaction fees
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection
  • Extended warranty protection
  • Auto rental collision damage waiver</li.

Best For Airline miles sign-up bonus

United Quest℠ Card

United Quest℠ Card

Apply Now
on Chase's secure site
Introductory APR N/A
Annual Fee $250
Regular Purchase APR 16.49% to 23.49% Variable

Chase announced the addition of the new United Quest℠ Card to its lineup of United Airlines cards in April 2021 with a tempting sign-up bonus as well as a generous list of travel benefits. The United Quest℠ Card comes with a hefty sign-up bonus that’s worth more than $1,000 for new cardholders: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20,000 bonus miles after you spend $10,000 in the first 6 months.

To get the full value of the sign-up bonus for the United Quest℠ Card, cardholders will have to spend $15,000 on the card within the first 6 months.

In addition to a $125 annual statement credit for a United purchase, the United Quest℠ Card also offers up to a $100 credit for Global Entry or TSA Precheck applications and two 5,000-mile credits every year when you redeem award miles for a United or United Express flight.

The United Quest℠ Card is a mid-tier United card, as its $250 annual fee is less than that of the United Club℠ Infinite Card ($525 annual fee), but more than the United℠ Explorer Card ($0 intro for the first year, then $95 annual fee).

It is ideal for frequent United flyers who are also seeking a way to work toward earning Silver status through spending on the card by awarding 500 PQPs (Premier Qualifying Points) for every $12,000 spent on the card up to 3,000 PQPs. To qualify for Silver Elite, United MileagePlus members have to earn 3,000 PQPs plus 8 PQFs (Premier Qualifying Flights) or 3,500 PQPs.

  • First and second checked bags free
  • 25% discount on in-flight purchases
  • Up to $100 statement credit for Global Entry or TSA Precheck
  • Priority boarding
  • $125 annual United purchase credit
  • Luxury Hotel and Resort Collection
  • Concierge services
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Trip cancellation/interruption insurance
  • Travel accident insurance
  • Auto rental damage collision waiver
  • Purchase protection
  • Extended warranty protection

Chase announced the addition of the new United Quest℠ Card to its lineup of United Airlines cards in April 2021 with a tempting sign-up bonus as well as a generous list of travel benefits. The United Quest℠ Card comes with a hefty sign-up bonus that’s worth more than $1,000 for new cardholders: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20,000 bonus miles after you spend $10,000 in the first 6 months.

To get the full value of the sign-up bonus for the United Quest℠ Card, cardholders will have to spend $15,000 on the card within the first 6 months.

In addition to a $125 annual statement credit for a United purchase, the United Quest℠ Card also offers up to a $100 credit for Global Entry or TSA Precheck applications and two 5,000-mile credits every year when you redeem award miles for a United or United Express flight.

The United Quest℠ Card is a mid-tier United card, as its $250 annual fee is less than that of the United Club℠ Infinite Card ($525 annual fee), but more than the United℠ Explorer Card ($0 intro for the first year, then $95 annual fee).

It is ideal for frequent United flyers who are also seeking a way to work toward earning Silver status through spending on the card by awarding 500 PQPs (Premier Qualifying Points) for every $12,000 spent on the card up to 3,000 PQPs. To qualify for Silver Elite, United MileagePlus members have to earn 3,000 PQPs plus 8 PQFs (Premier Qualifying Flights) or 3,500 PQPs.

  • First and second checked bags free
  • 25% discount on in-flight purchases
  • Up to $100 statement credit for Global Entry or TSA Precheck
  • Priority boarding
  • $125 annual United purchase credit
  • Luxury Hotel and Resort Collection
  • Concierge services
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Trip cancellation/interruption insurance
  • Travel accident insurance
  • Auto rental damage collision waiver
  • Purchase protection
  • Extended warranty protection

Best For Hotel rewards sign-up bonus

Marriott Bonvoy Boundless™ Credit Card

Highlights
  • Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No foreign transaction fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

The Marriott Bonvoy Boundless™ Credit Card has a generous sign-up bonus: Limited Time Offer! Earn 100,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless™ Credit Card! Plus, the card offers the following rewards rate: Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy™ and 2X points on all other purchases.

Other hotel benefits include 15 elite night credits per calendar year, automatic Silver Elite status each account anniversary year, one free night award each anniversary year, free premium Wi-Fi and more. Transfer your points to more than 40 airlines at a rate of 3:1. Get 5,000 points back for every 60,000 points you transfer to airline miles. You can also use your points to pay for Priority Pass airport lounge access and your $85 TSA Precheck enrollment fee.

If you’re loyal to the Marriott Bonvoy™ brand and want to earn points to use toward free hotel stays, you’ll benefit from the Marriott Bonvoy Boundless™ Credit Card. You have access to more than 7,000 hotels around the world, and your points don’t expire as long as you earn or redeem them at least once every 24 months. You can use a mix of cash and points to pay for rooms or use your points to upgrade for suites or rooms with a view. Plus, you get a free night on your card anniversary that can be used at Category 1 through 5 hotels with a redemption level of up to 35,000 points.

Like most hotel rewards cards, the Marriott Bonvoy Boundless™ Credit Card’s premium benefits come at a cost. To earn the sign-up bonus, you must spend $3,000 in the first three months, which is pretty standard, but you must also spend $35,000 each account year to earn Gold Elite status. However, cardmembers get automatic Silver Elite status — which comes with a 10% bonus points on hotel stays, priority late check-out, a dedicated reservation line, free Wi-Fi and no blackout dates when booking.

The card comes with an annual fee of $95.

Additional Marriott Bonvoy Boundless™ Credit Card benefits

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Access to exclusive experiences through Marriott Bonvoy™ Moments
  • Free in-room premium Wi-Fi
  • Visa concierge
  • Purchase protection
  • $0 foreign transaction fee
  • Free night award every account anniversary

The Marriott Bonvoy Boundless™ Credit Card has a generous sign-up bonus: Limited Time Offer! Earn 100,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless™ Credit Card! Plus, the card offers the following rewards rate: Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy™ and 2X points on all other purchases.

Other hotel benefits include 15 elite night credits per calendar year, automatic Silver Elite status each account anniversary year, one free night award each anniversary year, free premium Wi-Fi and more. Transfer your points to more than 40 airlines at a rate of 3:1. Get 5,000 points back for every 60,000 points you transfer to airline miles. You can also use your points to pay for Priority Pass airport lounge access and your $85 TSA Precheck enrollment fee.

If you’re loyal to the Marriott Bonvoy™ brand and want to earn points to use toward free hotel stays, you’ll benefit from the Marriott Bonvoy Boundless™ Credit Card. You have access to more than 7,000 hotels around the world, and your points don’t expire as long as you earn or redeem them at least once every 24 months. You can use a mix of cash and points to pay for rooms or use your points to upgrade for suites or rooms with a view. Plus, you get a free night on your card anniversary that can be used at Category 1 through 5 hotels with a redemption level of up to 35,000 points.

Like most hotel rewards cards, the Marriott Bonvoy Boundless™ Credit Card’s premium benefits come at a cost. To earn the sign-up bonus, you must spend $3,000 in the first three months, which is pretty standard, but you must also spend $35,000 each account year to earn Gold Elite status. However, cardmembers get automatic Silver Elite status — which comes with a 10% bonus points on hotel stays, priority late check-out, a dedicated reservation line, free Wi-Fi and no blackout dates when booking.

The card comes with an annual fee of $95.

Additional Marriott Bonvoy Boundless™ Credit Card benefits

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Access to exclusive experiences through Marriott Bonvoy™ Moments
  • Free in-room premium Wi-Fi
  • Visa concierge
  • Purchase protection
  • $0 foreign transaction fee
  • Free night award every account anniversary
The information related to the Marriott Bonvoy Boundless™ Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Cash-back sign-up bonus

Capital One® Savor® Cash Rewards Credit Card

Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2022.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

The Capital One® Savor® Cash Rewards Credit Card currently has the highest cashback sign-up bonus available among cash back rewards cards. Cardholders earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Additionally, the card offers the following rewards rate: Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores.

The annual fee is $95, so if you spend $2,375 a year on purchases earning 4% cash back, you’ll recoup what you spend on the annual fee.

If you spend a large amount on dining, entertainment and groceries each month, you’ll come out on top with the Capital One® Savor® Cash Rewards Credit Card — thanks to the card’s generous cashback rate on those purchases.

However, if the majority of your spending goes towards gas, travel, transit or other purchases, you may be better off with a card that offers an elevated rewards rate in those categories. Plus, having to spend $3,000 on the card in three months can be a high requirement to earn $300 — you’ll need to determine if can meet that threshold before you apply.

Additional Capital One® Savor® Cash Rewards Credit Card benefits include:

  • Extended warranty
  • Travel accident insurance
  • Special access to culinary, music and sporting events
  • Complimentary concierge service for dining, entertainment and travel

The Capital One® Savor® Cash Rewards Credit Card currently has the highest cashback sign-up bonus available among cash back rewards cards. Cardholders earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Additionally, the card offers the following rewards rate: Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores.

The annual fee is $95, so if you spend $2,375 a year on purchases earning 4% cash back, you’ll recoup what you spend on the annual fee.

If you spend a large amount on dining, entertainment and groceries each month, you’ll come out on top with the Capital One® Savor® Cash Rewards Credit Card — thanks to the card’s generous cashback rate on those purchases.

However, if the majority of your spending goes towards gas, travel, transit or other purchases, you may be better off with a card that offers an elevated rewards rate in those categories. Plus, having to spend $3,000 on the card in three months can be a high requirement to earn $300 — you’ll need to determine if can meet that threshold before you apply.

Additional Capital One® Savor® Cash Rewards Credit Card benefits include:

  • Extended warranty
  • Travel accident insurance
  • Special access to culinary, music and sporting events
  • Complimentary concierge service for dining, entertainment and travel
The information related to the Capital One® Savor® Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Cash-back bonus with no spending requirement

Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

Apply Now
on Discover's secure site
Introductory APR 0% for 14 months
Annual Fee $0
Regular Purchase APR 11.99% - 22.99% Variable APR

The Discover it® Cash Back card offers a unique sign-up bonus for new card members only: Unlimited Cashback Match – 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.

By contrast, most rewards credit cards require you to charge a certain amount on your new card within a specified time frame to earn the sign-up bonus ⁠— typically $500 to $3,000 in the first three months of card membership.

The $0-annual-fee Discover it® Cash Back card offers the following rewards rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. If you max out the spending cap by making $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. Once you factor in the cash back match sign-up bonus, that amount will jump to $600 in the first year of card membership.

The Discover it® Cash Back is a good option for people who are looking for some attractive intro APRs on both purchases and balance transfer that also offers rewards.

The intro APR of 0% for 14 months on balance transfers lets you transfer high-interest credit card debt to your Discover it® Cash Back without incurring interest charges for more than a year, then a 11.99% - 22.99% Variable APR applies. Additionally, the intro APR of 0% for 14 months on purchases lets you pay off a large purchase over time without being charged interest. After the intro period, a 11.99% - 22.99% Variable APR applies.

Although you can earn unlimited cash back with the Discover it® Cash Back card, you can only earn the 5% rate on the first $1,500 spent in the bonus categories each quarter you activate. All other purchases will earn 1% back.

Here is Discover’s 2021 cash-back calendar:

Jan-March: Grocery stores, Walgreens and CVS
April-June: Gas stations, wholesale clubs and select streaming services
July-Sept: Restaurants and PayPal
Oct-Dec: Amazon.com, Target.com and Walmart.com

If you don’t think you’ll be able to maximize your spending in these higher rewards earning categories throughout the year, then you may be better off with a flat-rate cash-back card that awards you for all your spending, although at a much lower earning rate, like 2%.

Additional Discover it® Cash Back card benefits

  • Cashback Match™: For new cardmembers, Unlimited Cashback Match – 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.
  • Simple cash-back redemption: Cash back can be redeemed at any increment, at any time and even if you close your account.
  • Freeze it®: Put your account on hold with the touch of a button online or in the app. Discover will not authorize new purchases, cash advances or balance transfers while your card is frozen.
  • Free FICO® credit score: Discover provides your free credit score with Discover Credit Scorecard. This allows you to keep an eye on your credit, while receiving an updated score every 30 days.
  • 100% U.S.-based customer service: Speak to a representative 24/7 to answer your questions.
  • No penalty APR: This card won’t raise your APR if you make a late payment.

The Discover it® Cash Back card offers a unique sign-up bonus for new card members only: Unlimited Cashback Match – 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.

By contrast, most rewards credit cards require you to charge a certain amount on your new card within a specified time frame to earn the sign-up bonus ⁠— typically $500 to $3,000 in the first three months of card membership.

The $0-annual-fee Discover it® Cash Back card offers the following rewards rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. If you max out the spending cap by making $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. Once you factor in the cash back match sign-up bonus, that amount will jump to $600 in the first year of card membership.

The Discover it® Cash Back is a good option for people who are looking for some attractive intro APRs on both purchases and balance transfer that also offers rewards.

The intro APR of 0% for 14 months on balance transfers lets you transfer high-interest credit card debt to your Discover it® Cash Back without incurring interest charges for more than a year, then a 11.99% - 22.99% Variable APR applies. Additionally, the intro APR of 0% for 14 months on purchases lets you pay off a large purchase over time without being charged interest. After the intro period, a 11.99% - 22.99% Variable APR applies.

Although you can earn unlimited cash back with the Discover it® Cash Back card, you can only earn the 5% rate on the first $1,500 spent in the bonus categories each quarter you activate. All other purchases will earn 1% back.

Here is Discover’s 2021 cash-back calendar:

Jan-March: Grocery stores, Walgreens and CVS
April-June: Gas stations, wholesale clubs and select streaming services
July-Sept: Restaurants and PayPal
Oct-Dec: Amazon.com, Target.com and Walmart.com

If you don’t think you’ll be able to maximize your spending in these higher rewards earning categories throughout the year, then you may be better off with a flat-rate cash-back card that awards you for all your spending, although at a much lower earning rate, like 2%.

Additional Discover it® Cash Back card benefits

  • Cashback Match™: For new cardmembers, Unlimited Cashback Match – 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.
  • Simple cash-back redemption: Cash back can be redeemed at any increment, at any time and even if you close your account.
  • Freeze it®: Put your account on hold with the touch of a button online or in the app. Discover will not authorize new purchases, cash advances or balance transfers while your card is frozen.
  • Free FICO® credit score: Discover provides your free credit score with Discover Credit Scorecard. This allows you to keep an eye on your credit, while receiving an updated score every 30 days.
  • 100% U.S.-based customer service: Speak to a representative 24/7 to answer your questions.
  • No penalty APR: This card won’t raise your APR if you make a late payment.

Best For Cash back sign-up bonus with low spend threshold

Chase Freedom Flex℠

Chase Freedom Flex℠

Apply Now
on Chase's secure site
Introductory APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

The Chase Freedom Flex℠ card offers a generous cashback bonus with a very low spend requirement: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Similar to the Discover it® Cash Back card, the Chase Freedom Flex℠ has a cashback program with quarterly rotating categories; however, the card also offers an elevated cashback rate on eligible travel, dining and drugstore purchases.

Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. As is standard for cards with rotating 5% categories, you must activate a new category each quarter. If you neglect to do so, you’ll earn just 1% back in those categories.

So far, the Chase Freedom Flex℠ bonus categories for 2021 include:

  • Jan-March: Wholesale clubs, select streaming services and internet, cable and phone services
  • April-June: Gas stations and home improvement stores
  • July-Sept: Grocery stores (excluding Target and Walmart) and select streaming services
  • Oct-Dec: To be announced

Plus, the Chase Freedom Flex℠ has a generous 0% Intro APR on Purchases for 15 months, after which an APR of 14.99% - 23.74% variable applies. If you’re looking to make a big purchase and pay it off over time, the Chase Freedom Flex℠ not only will knock down the price with the sign-up bonus, but allow you finance the purchase interest-free for more a year.

Chase shook up its popular line of Freedom credit cards in September 2020 by closing the Chase Freedom® to new applications and rolling out the new Chase Freedom Flex℠ — a World Elite Mastercard with a $0 annual fee and a combination of rotating and ongoing rewards.

What makes this card really appealing is a combination of benefits: a generous and tiered rewards earning structure, a solid sign-up bonus as well as a great 0% intro APR promotion.

If you have a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® card, you can squeeze even more value from the Chase Freedom Flex℠ as you can transfer your rewards to those cards and redeem them for travel through Chase Ultimate Rewards (25% more value with the Chase Sapphire Preferred® Card and 50% more value with the Chase Sapphire Reserve®).

Like the Discover it® Cash Back card, the Chase Freedom Flex℠ card limits the amount of bonus cash back you can earn each quarter. You can only earn the 5% cashback rate the first $1,500 in combined purchases each quarter you activate; all other purchases will earn 1% back. Still, if you max out the $1,500 quarterly spend, you can earn $75 cash back on those purchases alone each quarter.

Additional Chase Freedom Flex℠ benefits include:

  • Auto rental collision damage waiver (secondary coverage)
  • Trip cancellation/trip interruption insurance up to $1,500 per person and $6,000 per trip
  • Travel and emergency assistance services
  • Extended warranty of additional year on eligible warranties of three years or less
  • Purchase protection for 120 days against damage or theft up to $500 per claim (capped at $50,000 per account)

The Chase Freedom Flex℠ card offers a generous cashback bonus with a very low spend requirement: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Similar to the Discover it® Cash Back card, the Chase Freedom Flex℠ has a cashback program with quarterly rotating categories; however, the card also offers an elevated cashback rate on eligible travel, dining and drugstore purchases.

Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. As is standard for cards with rotating 5% categories, you must activate a new category each quarter. If you neglect to do so, you’ll earn just 1% back in those categories.

So far, the Chase Freedom Flex℠ bonus categories for 2021 include:

  • Jan-March: Wholesale clubs, select streaming services and internet, cable and phone services
  • April-June: Gas stations and home improvement stores
  • July-Sept: Grocery stores (excluding Target and Walmart) and select streaming services
  • Oct-Dec: To be announced

Plus, the Chase Freedom Flex℠ has a generous 0% Intro APR on Purchases for 15 months, after which an APR of 14.99% - 23.74% variable applies. If you’re looking to make a big purchase and pay it off over time, the Chase Freedom Flex℠ not only will knock down the price with the sign-up bonus, but allow you finance the purchase interest-free for more a year.

Chase shook up its popular line of Freedom credit cards in September 2020 by closing the Chase Freedom® to new applications and rolling out the new Chase Freedom Flex℠ — a World Elite Mastercard with a $0 annual fee and a combination of rotating and ongoing rewards.

What makes this card really appealing is a combination of benefits: a generous and tiered rewards earning structure, a solid sign-up bonus as well as a great 0% intro APR promotion.

If you have a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® card, you can squeeze even more value from the Chase Freedom Flex℠ as you can transfer your rewards to those cards and redeem them for travel through Chase Ultimate Rewards (25% more value with the Chase Sapphire Preferred® Card and 50% more value with the Chase Sapphire Reserve®).

Like the Discover it® Cash Back card, the Chase Freedom Flex℠ card limits the amount of bonus cash back you can earn each quarter. You can only earn the 5% cashback rate the first $1,500 in combined purchases each quarter you activate; all other purchases will earn 1% back. Still, if you max out the $1,500 quarterly spend, you can earn $75 cash back on those purchases alone each quarter.

Additional Chase Freedom Flex℠ benefits include:

  • Auto rental collision damage waiver (secondary coverage)
  • Trip cancellation/trip interruption insurance up to $1,500 per person and $6,000 per trip
  • Travel and emergency assistance services
  • Extended warranty of additional year on eligible warranties of three years or less
  • Purchase protection for 120 days against damage or theft up to $500 per claim (capped at $50,000 per account)

Best For Business card sign-up bonus

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now
on Chase's secure site
Introductory APR N/A
Annual Fee $95
Regular Purchase APR 15.99%-20.99% Variable

The Ink Business Preferred℠ Credit Card lets cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

If you redeem those points for cash or gift cards, the sign-up bonus will be worth $1,000. Or, if you redeem them for airfare, hotel stays, car rentals, activities or cruises through Chase’s travel portal, they are worth 25% more, or $1,250.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95. However, the value you can get from the card’s sign-up bonus more than covers that amount during the first year of card membership.

You are limited to earning the higher rewards rate on the first $150,000 in combined travel, shipping, Internet, cable and phone services and advertising purchases each year. You will only earn 1 point per dollar on all other purchases.

If you’re a small business owner looking to earn a huge influx of rewards on company expenses that can be redeemed for travel and more, you should look at the Ink Business Preferred℠ Credit Card.

The Ink Business Preferred℠ Credit Card points you earn from the sign-up bonus can be used in a variety of ways to suit your business’s unique spending. For example, if you and your employees travel often, you can increase the value of your points by 25% by redeeming them for travel through Chase Ultimate Rewards. That means points are worth 1.25 cents each instead of 1 cent each. Or, if you often make purchases from Amazon.com, points can conveniently be redeemed to cover all or part of your eligible Amazon.com order — including tax and shipping. You can also redeem points for cash back or gift cards to help incentivize employees.

The travel category includes airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, taxis, toll bridges, parking lots and more.

The shipping category is defined as merchants that specialize in mailing packages, hauling freight and transporting goods or documents, such as couriers, postal and freight shipping companies, express shipping services and mailbox stores.

The internet, cable and phone services category includes internet, cable, satellite television and radio, cellular, wireless data and landline services purchases.

Social media and search engine advertising covers social media websites (such as Facebook and Twitter) and search engines (such as Google AdWords and Microsoft Bing Ads) that advertise a business, brand, products or services.

Additional Ink Business Preferred℠ Credit Card benefits:

  • Free employee cards: Employee cards are free, and you have the ability to implement spending limits to keep spending under control.
  • Cellphone protection: Receive up to $600 per claim in cellphone protection against damage or theft for you and your employees when you pay your bill with your card.
  • Trip cancellation/trip interruption insurance: You may be reimbursed up to $5,000 per person and $10,000 per trip for eligible expenses if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Auto rental collision damage waiver: If you decline the rental company’s collision insurance and charge the entire rental cost to your card, and later are a victim of theft or collision damage, you may be reimbursed up to the actual cash value of the vehicle. This applies to most car rentals in the U.S. and abroad.
  • Purchase protection. Your new purchases will be covered against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection. Eligible U.S. manufacturer warranties of three years or less will be extended an additional year.
  • Foreign transaction fees. You will be charged $0 in foreign transaction fees if you use your card to make purchases outside of the U.S.

The Ink Business Preferred℠ Credit Card lets cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

If you redeem those points for cash or gift cards, the sign-up bonus will be worth $1,000. Or, if you redeem them for airfare, hotel stays, car rentals, activities or cruises through Chase’s travel portal, they are worth 25% more, or $1,250.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95. However, the value you can get from the card’s sign-up bonus more than covers that amount during the first year of card membership.

You are limited to earning the higher rewards rate on the first $150,000 in combined travel, shipping, Internet, cable and phone services and advertising purchases each year. You will only earn 1 point per dollar on all other purchases.

If you’re a small business owner looking to earn a huge influx of rewards on company expenses that can be redeemed for travel and more, you should look at the Ink Business Preferred℠ Credit Card.

The Ink Business Preferred℠ Credit Card points you earn from the sign-up bonus can be used in a variety of ways to suit your business’s unique spending. For example, if you and your employees travel often, you can increase the value of your points by 25% by redeeming them for travel through Chase Ultimate Rewards. That means points are worth 1.25 cents each instead of 1 cent each. Or, if you often make purchases from Amazon.com, points can conveniently be redeemed to cover all or part of your eligible Amazon.com order — including tax and shipping. You can also redeem points for cash back or gift cards to help incentivize employees.

The travel category includes airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, taxis, toll bridges, parking lots and more.

The shipping category is defined as merchants that specialize in mailing packages, hauling freight and transporting goods or documents, such as couriers, postal and freight shipping companies, express shipping services and mailbox stores.

The internet, cable and phone services category includes internet, cable, satellite television and radio, cellular, wireless data and landline services purchases.

Social media and search engine advertising covers social media websites (such as Facebook and Twitter) and search engines (such as Google AdWords and Microsoft Bing Ads) that advertise a business, brand, products or services.

Additional Ink Business Preferred℠ Credit Card benefits:

  • Free employee cards: Employee cards are free, and you have the ability to implement spending limits to keep spending under control.
  • Cellphone protection: Receive up to $600 per claim in cellphone protection against damage or theft for you and your employees when you pay your bill with your card.
  • Trip cancellation/trip interruption insurance: You may be reimbursed up to $5,000 per person and $10,000 per trip for eligible expenses if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Auto rental collision damage waiver: If you decline the rental company’s collision insurance and charge the entire rental cost to your card, and later are a victim of theft or collision damage, you may be reimbursed up to the actual cash value of the vehicle. This applies to most car rentals in the U.S. and abroad.
  • Purchase protection. Your new purchases will be covered against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection. Eligible U.S. manufacturer warranties of three years or less will be extended an additional year.
  • Foreign transaction fees. You will be charged $0 in foreign transaction fees if you use your card to make purchases outside of the U.S.

The bottom line

Sign-up bonuses offer a great opportunity to earn a large influx of points, miles or cash back in a short period of time. When choosing a card ⁠— in addition to the size of the sign-up bonus ⁠— it’s important to look at the value of the bonus, as well as the amount you have to spend to obtain the bonus.

Also, keep in mind that issuers can change a card’s sign-up bonus at any time. So if you come across a bonus that you simply can’t resist, you’ll want to apply as soon as possible, as the bonus may not be available the next day.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.