4 Credit Cards with Epic Signup Bonuses

This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

Signing up for a rewards credit card that offers cash back or travel perks is a great way to earn a premium on your everyday spending. Many top rewards cards can dole out as much as five points per $1 spent in certain bonus categories, while others hand out a standard 1 or 2 percent on everything.

But, anyone who signs up for these offers will tell you that the real value in a rewards credit card isn't in its ongoing perks – but instead, in the signup bonus. That's right. Many of the top rewards credit cards will give you "bonus" points if you put a certain level of spending on the card within say, around 90 days.

4 Cards with a Hefty Signup Bonus for New Customers

A hefty signup bonus can be worth upwards of $500 on its own, and that's without considering the ongoing rewards you'll get just for using your card for your everyday spending. Here are four of the top signup bonuses currently on offer:

Chase Sapphire Preferred® Card

  • Signup Bonus: 50,000 points after you spend $4,000 in 90 days
  • Annual Fee: $95, waived the first year

The Chase Sapphire Preferred® Card offers one of the best sign-up bonuses in the industry, especially since points earned can be used in the popular Chase Ultimate Rewards program. After all, 50,000 points are worth $500 if redeemed for cash or most gift cards, but can be worth almost $700 if redeemed for travel.

But that's not all; Chase Ultimate Rewards points transfer to a number of popular loyalty programs including Southwest Rapid Rewards, British Airways, Hyatt Gold Passport, and IHG Rewards. This card also helps you beef up your point balances over time, offering 1X points on all purchases and 2X points on travel and dining.

Citi Premier

  • Signup Bonus: 50,000 points after you spend $3,000 in 90 days
  • Annual Fee: $95, waived the first year

Like the Chase Sapphire Preferred® Card, the Citi Premier card lets you earn points that are redeemable in a number of ways. First, 50,000 Citi Thank You points are worth $500 in gift cards. However, they are worth more than $600 in travel if used to book hotels or airfare through the Citi travel portal.

Citi points are also transferrable to the Hilton HHonors program as well as a number of unique frequent flyer programs that don't partner with anyone else. Current airlines you can transfer to include the likes of Asia Miles, Etihad Guest, Quanta, Singapore Airlines KrisFlyer, and Virgin Atlantic Flying Club, among others.

Sign up and you'll also earn 3X points on travel including gas, 2X points on entertainment and dining, and 1X points on everything else.

Barclaycard Arrival Plus World Elite MasterCard®

  • Signup Bonus: 40,000 "miles" after you spend $3,000 in 90 days
  • Annual Fee: $89, waived the first year

With this card, you'll earn 40,000 bonus "miles" after you spend $3,000 in purchases during the first 90 days of card ownership. The best part is, these "miles" aren't actually airline miles; they are points you can redeem at a rate of one cent apiece for travel credit. And since these points aren't affiliated with a specific airline or hotel airline program, you can redeem them for nearly any type of travel – including hotel stays, airfare, travel packages, train tickets, and more.

In addition to the signup bonus, this card offers two points per dollar spent on all purchases – with no categories to keep track of and no exclusions.

Citi® / AAdvantage® Platinum Select® MasterCard®

  • Signup Bonus: 50,000 American AAdvantage miles after you spend $3,000 in 90 days
  • Annual Fee: $95, waived the first year

While the Citi® / AAdvantage® Platinum Select® MasterCard® offers miles that are mostly only good for American Airlines and partner airline flights, the value of this signup bonus is immense. After all, 50,000 American AAdvantage miles is more than enough miles for a round-trip flight to Europe, or two round-trip domestic flights within certain parts of the contiguous United States.

As a cardholder, you'll also earn 2X points on all American Airlines purchases and 1X points on everything else. You'll also get a free checked bag for you and up to four companions on domestic itineraries. If you fly American often, or simply aspire to, having all these miles and perks could work to your advantage.

Final Thoughts

While ongoing rewards are an important component of any comprehensive rewards plan, signup bonuses sweeten the deal by rewarding you right away. To find out which other cards offer the best signup bonuses and perks, check out our post on top rewards cards for excellent credit.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

Find The Right Credit Card.