Best Credit Card Bonus Offers For New Cardholders

It has never been a better time to get a new credit card with so many credit card sign-up bonuses on offer right now.

Not only is it an excellent way to boost your credit score if used responsibly, but issuers are hungry to attract new customers.

That means you can earn hundreds of dollars worth of rewards just for signing up and using your new card.

What’s more, the regular credit card rewards programs keep getting better.

From free airport lounge access, bonus rewards on your account anniversary to excellent loyalty programs, there’s something for everyone.

This article will be looking at the best credit card sign-up bonuses available right now. We focused on cards that are available to anyone and that are highly rated, helping you land a fantastic reward that you’ll love.

25 Best Credit Card Sign-Up Bonuses for December 2022

Here are the 25 current best credit card bonus offers that you can earn right now:

  1. Citi Premier® Card: 80,000 bonus points
  2. Citi Custom Cash℠ Card: $200 bonus
  3. Ink Business Unlimited® Credit Card: $900 bonus
  4. Chase Sapphire Preferred® Card: 60,000 bonus points
  5. Chase Freedom Flex℠: $200 bonus
  6. Chase Freedom Unlimited®: $200 bonus
  7. Ink Business Preferred® Credit Card: 100,000 bonus points
  8. Chase Sapphire Reserve®: 60,000 bonus points
  9. World of Hyatt Business Credit Card: 60,000 bonus points
  10. Chase Freedom® Student credit card: $50 bonus
  11. IHG® Rewards Traveler Credit Card: 80,000 bonus points
  12. Ink Business Cash® Credit Card: $900 bonus
  13. IHG® Rewards Premier Business Credit Card: 140,000 bonus points
  14. IHG® Rewards Premier Credit Card: 140,000 bonus points + 1 Free Night
  15. The Platinum Card® from American Express: 100,000 bonus points
  16. American Express® Gold Card: 60,000 bonus points
  17. Blue Cash Preferred® Card from American Express: $250 bonus
  18. Blue Cash Everyday® Card from American Express: up to $250 bonus
  19. Hilton Honors American Express Card: 80,000 bonus points
  20. Delta SkyMiles® Gold American Express Card: 40,000 bonus miles
  21. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 50,000 bonus miles
  22. Citi® Double Cash Card - 18 month BT offer: up to 2% Cash Back
  23. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: 65,000 bonus miles
  24. American Airlines AAdvantage MileUp℠ Card: $50 + 10,000 bonus miles
  25. Citi Rewards+® Card: 20,000 bonus points

Citi Premier® Card Logo1. Citi Premier® Card

The Citi Premier® Card offers new cardholders a welcome bonus of 80,000 bonus ThankYou Points, which you can get after making purchases worth $4,000 in the first three months.

You can exchange these bonus points for $800 worth of gift cards from a large variety of retailers.

The Citi Premier® Card can serve as a travel card and everyday cashback card, letting you redeem rewards with a host of travel transfer partners, gift cards, and shopping points. With competitive bonus categories and exclusive entertainment perks, it could be a nice versatile addition to your wallet.

Citi Premier® Card - 80,000 bonus points

The Citi Premier® Card sign up offer requires you to make purchases using the account's card in order to earn the 80,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Citi Premier® Card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited in the form of 80,000 points, which can be redeemed for $800 in gift cards.

read the full terms

Citi Custom Cash℠ Card Logo2. Citi Custom Cash℠ Card

Citi is offering new Custom Cash℠ Card cardmembers a welcome bonus of $200 when spending $1,500 in the first three months of ownership.

This is in addition to the 5% cash back each month on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, 1% thereafter) and the introductory 0% APR that the card offers for the first 15 months on purchases and balance transfers. (After that, the variable APR will be 16.24% - 26.24%)

The Citi Custom Cash Card is a great addition to your wallet if you’re looking for a set it and forget it cashback card with some variety. Rather than the standard cashback tiers of other cards, it gives you 5% rewards on your top spending category each statement up to a spending limit.

Citi Custom Cash℠ Card - $200 bonus

The Citi Custom Cash℠ Card sign up offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Citi Custom Cash℠ Card using the link below.
  2. Within 3 months, spend $750 using your new card.
  3. Bonus will be credited as $200 cash back.

read the full terms

Ink Business Unlimited® Credit Card Logo3. Ink Business Unlimited® Credit Card

In addition to the other card perks like cash back, a 0% intro APR on purchases for 12 months*, and no annual fee, Chase is offering a $900 bonus to new Ink Business Unlimited® cardholders. *after that, 14.74% - 20.74% variable APR

They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!

The Ink Business Unlimited Card from Chase offers steady cashback across all categories, so you don’t have to worry about tracking bonus categories or spending caps. It’s a great option for earning modest rewards with a welcome bonus and a host of ongoing incentives for applicants.

Ink Business Unlimited® Credit Card - $900 bonus

The Ink Business Unlimited® Credit Card sign up offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Ink Business Unlimited® credit card using the link below.
  2. Within 3 months, spend $6,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.

read the full terms

Chase Sapphire Preferred® Card Logo4. Chase Sapphire Preferred® Card

Chase is offering 60,000 bonus points to new Chase Sapphire Preferred® cardholders. This is down, unfortunately, from the 80,000 points reward they were offering just recently.

Those points can be redeemed for $600 cash, or they can be stretched to $750 if put towards travel through Chase Ultimate Rewards®.

This is in addition to the revamped points structure that now offers higher rewards in several categories and the new $50 annual hotel statement credit.

In the world of travel cards, the Chase Sapphire Preferred Card is hard to beat. Its low annual fee, perks, and travel rewards make it a perfect fit for travelers looking to rack up rewards for their next trip or for seasoned pros looking to combine forces with multiple Chase cards.

Chase Sapphire Preferred® Card - 60,000 bonus points

The Chase Sapphire Preferred® Card sign up offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Chase Sapphire Preferred® credit card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 60,000 points, which can be redeemed for $600 cash or $750 in travel rewards.

read the full terms

Chase Freedom Flex℠ Logo5. Chase Freedom Flex℠

In addition to the other card perks like cash back, a 0% intro APR for 15 months*, and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Flex℠ cardholders.

For the first year, you will also get 5% cashback on the first $6,000 spent at gas stations, which equates to a possible $300 additional bonus if you max the benefit.

*0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%

If you’re willing to monitor categories and spend strategically, you can really maximize your earnings with the Chase Freedom Flex Card. It provides a welcome bonus, generous cashback rewards, and rotating quarterly bonus categories with a slew of other perks.

Chase Freedom Flex℠ - $200 bonus

The Chase Freedom Flex℠ sign up offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Chase Freedom Flex℠ credit card using the link below.
  2. Within 3 months, spend $500 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 20,000 points, which can be redeemed for $200.

read the full terms

Chase Freedom Unlimited® Logo6. Chase Freedom Unlimited®

In addition to the other card perks like cash back, a 0% intro APR for 15 months*, and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Unlimited® cardholders.

Plus, Chase recently updated this offer to also include 5% cash back on the first $6,000 spent at gas stations within the first year. If you max that benefit, you could see an extra $300 in your pocket, in addition to the $200 welcome offer.

Tip: Want to earn even more? You can earn an additional $500 cash back each year by referring friends, with each successful referral earning you $100.

*0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.

If you’re looking for a card that works for you on all fronts, check out Chase Freedom Unlimited. With enticing offers for new cardholders, top-notch rewards, and flexible redemption options, it brings more to the table than a lot of no-annual-fee cards.

Chase Freedom Unlimited® - $200 bonus

The Chase Freedom Unlimited® sign up offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Chase Freedom Unlimited® credit card using the link below.
  2. Within 3 months, spend $500 using your new card.
  3. $200 Bonus will be credited within 6 to 8 weeks.

read the full terms

Ink Business Preferred® Credit Card Logo7. Ink Business Preferred® Credit Card

Chase is offering 100,000 bonus points to new Ink Business Preferred® cardholders. Those points can be redeemed for $1,000 cash, or they can be stretched to $1,250 if put them toward travel through Chase Ultimate Rewards®.

To get the points, you will need to make $15,000 worth of purchases in the first three months.

Offering high rewards on bonus categories that can be redeemed via the Ultimate Rewards Program, a sweet welcome bonus, and a handful of premier perks, the Chase Ink Business Preferred Card is an excellent choice for the average business owner who doesn’t mind a small annual fee.

Ink Business Preferred® Credit Card - 100,000 bonus points

The Ink Business Preferred® Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Ink Business Preferred® credit card using the link below.
  2. Within 3 months, spend $15,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 100,000 points, which can be redeemed for $1,000 cash or $1,250 in travel rewards.

read the full terms

Chase Sapphire Reserve® Logo8. Chase Sapphire Reserve®

Chase is offering 60,000 bonus points to new Chase Sapphire Reserve® cardholders. Those points can be redeemed for $600 cash, or they can be stretched to $900 if you put them toward travel through Chase Ultimate Rewards®.

The Chase Saphire Reserve card is one of the best travel cards on the market, with a ton of premiere perks like lounge access, excellent rewards, and account credits. If you’re a frequent traveler and take advantage of all the card has to offer, you can easily offset the annual fee.

Chase Sapphire Reserve® - 60,000 bonus points

The Chase Sapphire Reserve® sign up offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Chase Sapphire Reserve ® credit card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 60,000 points, which can be redeemed for $600 cash or $900 in travel rewards.

read the full terms

World of Hyatt Business Credit Card Logo9. World of Hyatt Business Credit Card

The World of Hyatt Business credit card is a relatively new co-branded business card from Chase and Hyatt, and they're offering 60,000 bonus points to new cardholders.

Unfortunately, this is down from their previous offer of 75,000 points.

That said, 60,000 points is still enough to cover the cost of up to 12 nights at a category 1 hotel, and the spend requirement was also reduced to reflect the lower reward – from $7,500 to $5,000.

Plus, this is in addition to the other great perks of the card (jump below to read more). Keep in mind, however, that the card has a $199 annual fee which is not waived in the first year (unlike many other annual-fee cards) – so factor that in accordingly.

If you’re partial to Hyatt properties and your business takes you on the road often, the World of Hyatt Business Card from Chase should be on your radar as a tool to help you save and work your way up to elite status. You’ll also enjoy competitive rewards and exclusive perks.

World of Hyatt Business Credit Card - 60,000 bonus points

The World of Hyatt Business Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new World of Hyatt Business credit card using the link below.
  2. Within 3 months, spend $5,000 using your new card.
  3. Bonus points will be credited to your World of Hyatt account within 6 to 8 weeks.

read the full terms

Chase Freedom® Student credit card Logo10. Chase Freedom® Student credit card

In addition to the other card perks like cash back and no annual fee, Chase is offering a $50 bonus to new Chase Freedom® Student cardholders.

Bonus: Cardholders also earn a $20 bonus each year on their account anniversary, for up to 5 years. That will come in the form of 2,000 points, and all you need to do to qualify is have the card in good standing.

Chase Freedom® Student credit card - $50 bonus

The Chase Freedom® Student credit card sign up offer requires you to make purchases using the account's card in order to earn the $50 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Chase Freedom® Student credit card using the link below.
  2. Within 3 months, make a purchase using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 5,000 points, which can be redeemed for $50.

read the full terms

IHG® Rewards Traveler Credit Card Logo11. IHG® Rewards Traveler Credit Card

Chase is currently offering 80,000 bonus points to new IHG® Rewards Traveler cardholders. This is down from their initial offer of 120,000 points earlier this year.

However, the 80,000 points is enough for 2 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more. Not bad for a card with no annual fee!

The IHG Rewards Traveler Card from Chase doles out a high reward for IHG stays, along with bonus categories for everyday spending. If you’re an IHG regular who wants to earn when you book trips without having to pay an annual fee, this card could be a valuable addition to your wallet.

IHG® Rewards Traveler Credit Card - 80,000 bonus points

The IHG® Rewards Traveler Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 80,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new IHG® Rewards Traveler credit card using the link below.
  2. Within 3 months, spend $2,000 using your new card.
  3. Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.

read the full terms

Ink Business Cash® Credit Card Logo12. Ink Business Cash® Credit Card

In addition to the other card perks like cash back, a 0% intro APR on purchases for 12 months*, and no annual fee, Chase is offering a $900 bonus to new Ink Business Cash® cardholders. (*after that, 14.74% - 20.74% variable APR)

They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!

The Chase Ink Business Cash Card is a great rewards card for small business owners, especially if you rack up a lot of telecom and office supply purchases. Since the card earns Chase Ultimate Rewards, you can redeem them a number of ways, making the fee-free card even more appealing.

Ink Business Cash® Credit Card - $900 bonus

The Ink Business Cash® Credit Card sign up offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Ink Business Cash® credit card using the link below.
  2. Within 3 months, spend $6,000 using your new card.
  3. Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.

read the full terms

IHG® Rewards Premier Business Credit Card Logo13. IHG® Rewards Premier Business Credit Card

When IHG recently revamped its reward programs, it also introduced changes to its credit card lineup – including the introduction of this business equivalent to its personal IHG® Rewards Premier credit card. The personal card's perks, earnings rates, and introductory bonus offer were all improved – and all of that was cloned to this card for business owners.

As a new IHG® Rewards Premier Business cardholder, Chase is offering 140,000 bonus points after you spend $3,000 on the card. That's nearly 4 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more.

Additionally, you can get an extra $100 statement credit and 10,000 bonus points every year by spending $20,000 using your card and then making one additional purchase at least one day after you meet the $20k threshold.

The IHG Rewards Premier Business Card is a smart addition to your wallet if you’re a small business owner who can book regular stays at IHG properties. The welcome bonus, generous rewards, and perks like a free night’s stay each year help to justify the low annual fee for IHG loyalists.

IHG® Rewards Premier Business Credit Card - 140,000 bonus points

The IHG® Rewards Premier Business Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 140,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new IHG® Rewards Premier Business credit card using the link below.
  2. Within 3 months, spend $3,000 using your new card.
  3. Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.

read the full terms

IHG® Rewards Premier Credit Card Logo14. IHG® Rewards Premier Credit Card

Chase is offering 140,000 bonus points to new IHG® Rewards Premier cardholders – up from their previous offer of 125,000 points – PLUS 1 free night valued at up to 40,000 points. That's nearly 5 free nights at an IHG property, which includes hotels and resorts under the brands Six Senses, Regent, InterContinental, Kimpton, Hotel Indigo, Voco, Hualuxe, Crowne Plaza, Holiday Inn, Candlewood Suites, and more.

Additionally, you can get an extra $100 and 10,000 bonus points every year by spending $20,000 using your card and then making one additional purchase at least one day after you meet the $20k threshold.

With IHG hotel rewards, elite perks, bonus categories, and other premier perks, the IHG Rewards Premier Card from Chase has a lot to offer cardholders who want to put their points towards IHG stays and travel frequently enough to make up for the annual fee.

IHG® Rewards Premier Credit Card - 140,000 bonus points + 1 Free Night

The IHG® Rewards Premier Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 140,000 bonus points + 1 Free Night. Full requirements to receive this bonus are:

  1. Apply for a new IHG® Rewards Premier credit card using the link below.
  2. Within 3 months, spend $3,000 using your new card.
  3. Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.

read the full terms

The Platinum Card® from American Express Logo15. The Platinum Card® from American Express

The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 100,000 Membership Rewards® Points after spending $6,000 within the first six months.

You also get a whole host of other annual perks including a $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, (requires a minimum two-night stay), a $240 digital entertainment credit, a $200 Uber Eats credit, a $200 airline fee credit and more! Enrollment required.

This is in addition to the lounge access and 5x points on airline purchase (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com. Terms Apply.

The Platinum Card from American Express is the original luxury credit card. While its annual fee is high, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits.

The Platinum Card® from American Express - 100,000 bonus points

The The Platinum Card® from American Express sign up offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for The Platinum Card® from American Express using the link below.
  2. Within 6 months, spend $6,000 using your new card.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.

read the full terms

American Express® Gold Card Logo16. American Express® Gold Card

The American Express® Gold Card comes with a new cardmember offer that can see you earn 60,000 Membership Rewards® points after spending $4,000 within the first six months.

You also get $10 in Uber Cash each month, and up to $120 in annual statement credits at participating restaurants, enrollment required. (*terms apply)

The American Express Gold Card is a solid choice for foodies and travelers, offering competitive rewards on restaurant and supermarket buys. The annual fee is well worth it for diners who spend a lot on takeout, restaurants, and groceries; just note the rewards can get a bit complicated.

American Express® Gold Card - 60,000 bonus points

The American Express® Gold Card sign up offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new American Express® Gold Card using the link below.
  2. Within 6 months, spend $4,000 using your new card.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards® Points.

read the full terms

Blue Cash Preferred® Card from American Express Logo17. Blue Cash Preferred® Card from American Express

American Express has quite a few welcome offers on their credit cards, starting with their Blue Cash Preferred Card. Here you can earn $250 back as a statement credit after making $3,000 worth of purchases within the first six months.

This is in addition to the 0% intro APR (on purchases for the first 12 months, then a variable APR, 17.74% to 28.74%), and the tremendous cash back categories. *terms apply.

Families with large grocery bills can rack up some serious cash back rewards with the American Express Blue Cash Preferred Card. The card is also also great for rewards on streaming services, gas, and transit costs.

Blue Cash Preferred® Card from American Express - $250 bonus

The Blue Cash Preferred® Card from American Express sign up offer requires you to make purchases using the account's card in order to earn the $250 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Blue Cash Preferred® Card using the link below.
  2. Within 6 months, spend $3,000 using your new card to earn $250 as a statement credit.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of statement credits.

read the full terms

Blue Cash Everyday® Card from American Express Logo18. Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card is another personal credit card from American Express, offering new members the ability to earn up to a $250 welcome offer. This time around, the bonus is issued as a multipart opportunity, combining overall spend and spend using checkout with PayPal. This is in addition to the 0% intro APR (on purchases for 15 months, then a variable APR, 17.74% to 28.74%) and standard cash back categories. *terms apply

If you don’t want to deal with a steep annual fee, the American Express Blue Cash Everyday Card is an excellent starter card for rewards on groceries, gas, and retail purchases.

Blue Cash Everyday® Card from American Express - up to $250 bonus

The Blue Cash Everyday® Card from American Express sign up offer requires you to make purchases using the account's card in order to earn the $250 bonus. Full requirements to receive this bonus are:

  1. Apply for a new Blue Cash Everyday® Card using the link below.
  2. Within 6 months, spend $2,000 using your new card to earn $100.
  3. Earn up to an additional $150 when you shop with PayPal - earn 20% back as a statement credit on purchases when you checkout with PayPal at merchants in the first 6 months.
  4. Bonuses will be credited within 8-12 weeks of meeting the requirements in the form of statement credits.

read the full terms

Hilton Honors American Express Card Logo19. Hilton Honors American Express Card

The Hilton Honors American Express Card comes with a new cardmember offer that can see you earn 80,000 Hilton Honors bonus points after spending $1,000 in the first three months.

This is in addition to the $0 annual fee, the solid reward categories, and the card's other perks. This is solid deal on this card compared to recent offers.

*terms apply. See offer & benefit terms and rates and fees.

If you’re looking for Hilton benefits without shelling out money for an annual fee, the Hilton Honors American Express Card delivers. While the card doesn’t offer all the perks of higher tier travel cards, it provides cardholders with automatic Silver Status.

Hilton Honors American Express Card - 80,000 bonus points

The Hilton Honors American Express Card sign up offer requires you to make purchases using the account's card in order to earn the 80,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Hilton Honors American Express Card using the link below.
  2. Within 3 months, spend $1,000 using your new card.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Hilton Honors points.

read the full terms

Delta SkyMiles® Gold American Express Card Logo20. Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card is an entry level card Delta flyers, offering a welcome bonus of 40,000 miles when spending $2,000 within the first six months of getting the card.

You also get additional perks with the card such as free first checked bag when flying with Delta, annual $100 in Delta flight credit when making $10,000 worth of purchases in a calendar year, and up to $50 off the cost of a flight with every 5,000 miles you redeem. *terms apply

Delta SkyMiles® Gold American Express Card - 40,000 bonus miles

The Delta SkyMiles® Gold American Express Card sign up offer requires you to make purchases using the account's card in order to earn the 40,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new Delta SkyMiles® Gold American Express Card using the link below.
  2. Within 6 months, spend $2,000 using your new card.
  3. Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Delta SkyMiles frequent flyer miles.

read the full terms

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Logo21. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers new cardholders 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in the first three months.

Bonus Tip: You also get a $125 flight discount if you spend $20,000 in a single year and renew your card.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® - 50,000 bonus miles

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® sign up offer requires you to make purchases using the account's card in order to earn the 50,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new Citi® / AAdvantage® Platinum Select® World Elite Mastercard® credit card using the link below.
  2. Within 3 months, spend $2,500 using your new card.
  3. Bonus miles will be credited in your AAdvantage® account in 8-10 weeks.

read the full terms

Citi® Double Cash Card - 18 month BT offer Logo22. Citi® Double Cash Card - 18 month BT offer

You'll earn up to 2% cash back each month on purchases (1% when you buy + 1% when you pay).

The Citi® Double Cash Card is hard to beat when it comes to straightforward rewards with no annual fee. You get a flat rate of 2% rewards—1% when you buy and another 1% when you pay it back—an incentive to build up your credit score by making payments on time.

Citi® Double Cash Card - 18 month BT offer - up to 2% Cash Back

The Citi® Double Cash Card - 18 month BT offer sign up offer requires you to make purchases using the account's card in order to earn the 2% Cash Back. Full requirements to receive this bonus are:

  1. Apply for a new Citi® Double Cash Card using the link below.
  2. Spend with your new card, earn 1% cash back.
  3. By the due date, pay at least the minimum balance due, earn an additional 1% cash back.

read the full terms

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Logo23. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers new cardholders 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in the first four months.

Bonus Tip: You also get a single companion pass for a domestic flight after you spend $30,000 in a single year and renew your card. But keep in mind, redeeming that certificate will cost you $99 + taxes and fees.

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is best suited to businesses that fly American Airlines regularly, with the companion benefit and free checked bag easily justifying the annual fee. But if you fly with other airlines just as much as American Airlines, you could earn more savings and perks with a general travel rewards card.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® - 65,000 bonus miles

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® sign up offer requires you to make purchases using the account's card in order to earn the 65,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new CitiBusiness® / AAdvantage® Platinum Select® Mastercard® credit card using the link below.
  2. Within 4 months, spend $4,000 using your new card.
  3. Bonus miles will be credited in your AAdvantage® account in 8-10 weeks.

read the full terms

American Airlines AAdvantage MileUp℠ Card Logo24. American Airlines AAdvantage MileUp℠ Card

The American Airlines AAdvantage MileUp℠ offers new cardholders 10,000 American Airlines AAdvantage® bonus miles and $50 as a statement credit on your Citi bill after spending just $500 in the first three months.

The Citi American Airlines AAdvantage MileUp card is a solid entry card if you want to start earning travel rewards with American Airlines, offering some versatility. You can choose to redeem points earned on purchases as miles or as loyalty points you can put towards upgrades and priority boarding.

American Airlines AAdvantage MileUp℠ Card - $50 + 10,000 bonus miles

The American Airlines AAdvantage MileUp℠ Card sign up offer requires you to make purchases using the account's card in order to earn the $50 + 10,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new American Airlines AAdvantage MileUp℠ using the link below.
  2. Within 3 months, spend $500 using your new card.
  3. Bonus miles will be credited in your AAdvantage® account and $50 will appear as a statement credit in your Citi account in 8-10 weeks.

read the full terms

Citi Rewards+® Card Logo25. Citi Rewards+® Card

The Citi Rewards+® Card offers new cardholders a welcome bonus of 20,000 bonus ThankYou Points, which you can get after making $1,500 in purchases within the first three months.

You can exchange these bonus points for $200 worth of gift cards from a large variety of retailers, or transfer to one of the 16 airlines that Citi's ThankYou Rewards program partners with to make the points even more valuable.

This is in addition to the 0% intro APR that the card offers for the first 15 months on purchases and balance transfers. (After that, the variable APR will be 15.74% - 25.74%)

Citi Rewards+® is great for earning money on even the smallest of purchases, rounding up each card purchase and giving you points back when you redeem them. Like the Citi Premier® Card, you can redeem points several different ways, providing ultimate flexibility. You can also combine your rewards points from these cards and transfer them for travel rewards.

Citi Rewards+® Card - 20,000 bonus points

The Citi Rewards+® Card sign up offer requires you to make purchases using the account's card in order to earn the 20,000 bonus points. Full requirements to receive this bonus are:

  1. Apply for a new Citi Rewards+® Card using the link below.
  2. Within 3 months, spend $1,500 using your new card.
  3. Bonus will be credited in the form of 20,000 points, which can be redeemed for $200 in gift cards.

read the full terms

Restrictions on Credit Card Bonus Offers

Each credit card issuer has its own rules for how often a consumer can earn a welcome bonus. This is to keep customers from “churning” bonus offers or, in other words, from signing up multiple times for a card strictly to earn the bonus, with no intention of actually using it long-term.

Generally speaking, the restrictions are reasonable. If you’re an average consumer looking for a great new credit card (that also happens to pay you to sign up…), then you’re likely just fine.

For clarity, however, here are some of the rules from the major banks:

  • Chase: Chase is well known for its 5/24 rule, which says cardholders cannot get a new Chase credit card if they have 5 credit card inquiries in the last 24 months. This is why many will advise you to sign up for any Chase credit cards first, before moving onto other issuers. Beyond the 5/24 rule, Chase limits the bonus per card to once every 2 years.
  • Amex: American Express has a lifetime limit stating that you can only earn a bonus on each of their cards once. To make that clearer: you can earn a bonus from multiple cards, but never multiple bonuses for the same card.
  • Capital One: Capital One limits you to two personal credit cards, and you can only get a new credit card from them once every six months.
  • Citibank: Like Chase, Citi limits you to a sign-up bonus once every 2 years per card. For some card categories, this 2-year restriction crosses multiple cards. For example, the fine print on the Citi Rewards+® bonus says that you’re excluded if you’ve already earned a welcome bonus for Citi ThankYou® Preferred, Citi Premier® or Citi Prestige® cards.
  • Bank of America: Bank of America has a 2/3/4 rule, which limits you to two new cards in a 30-day period, three in a 12-month period, and four in a 24-month period. They’ve also added a 24-month rule similar to Chase and Citi, that says you can’t sign up for a card that you’ve have or had in the past 2 years.
  • Wells Fargo: Once you get any welcome offer from a Wells Fargo credit card, you can no longer get another for 15 months. Unlike the other banks, this is across the board, not on a per-card basis.

How To Pick The Best Credit Card Sign-Up Bonus

With so many credit card offers out there, how do you decide which to apply for first?

Picking the highest reward isn’t always the answer – and, in fact, when you’re comparing point or mile offers, it can be hard to know which bonus even is the most valuable. Here are some tips:

  • Issuer Limitations. If you’re planning to open more than one credit card, you should start here first. Like we mentioned above, many banks have rules around how many cards you can open in a given timeframe. Knowing these rules upfront can help you strategize about which sign-up bonus to go after first. For example, many will apply for a Chase credit card first to avoid being denied because of the infamous 5/24 rule.
  • Spending Requirement. Compare the spending requirement for each offer against your normal budget. If you’d need to make otherwise unplanned purchases, the sign-up bonus isn’t worth it. Go for bonuses that fit into your normal spending, or time them for when you have big purchases planned.
  • Annual Fee. Often, the highest credit card bonuses are for cards with annual fees. If the card offers perks and benefits that are worthwhile to you, then great! But don’t pay for a premium travel card if you don’t travel regularly just because of a seemingly killer welcome bonus.
  • Reward Value. This is where credit card welcome bonuses get tricky, compared to regular checking account bonus offers or savings account bonuses. While cash-back cards often offer a cash reward, travel and reward credit cards typically offer bonus points or miles. Sometimes you can redeem these for cash, but not always. If you’re comparing credit cards, be mindful that you’re earning useful rewards. For example, pick cards that offer rewards for hotels or airlines that you’re already loyal to. If you want flexibility, then opt for programs that have robust redemption options and partner networks. That way, when you’re ready to cash in, you can choose between travel, gift cards, or transfers to airline and hotel partners. Chase Ultimate Rewards and American Express Membership Rewards are among the best.

Credit Card Sign-Up Bonuses FAQs

What is a credit card sign-up bonus?

A sign-up bonus is a promotion that banks use to attract new customers. They’re designed to get you using the card (which is why the requirements are so often tied to spending a certain amount) so that the card takes a permanent seat in your wallet.

In exchange for opening a new card and meeting the spend requirement, the credit card issuer gives you a bonus. This can be in miles, points, or cash.

How do I earn a credit card bonus?

Each bonus comes with some form of qualification criteria. In most cases, you need to spend a certain amount of money within a given time period to qualify.

How do I redeem a credit card welcome offer?

After meeting the requirements, the credit card issuer will deposit the bonus miles or points into your reward account. You can then redeem these the same way you would any other points or miles you earn: flights, upgrades, transfer to partner programs, etc.

For cash offers, these are typically seen as credits into your rewards account. You can then redeem these for statement credits (which reduce what you owe), gift cards, or checks/withdrawals straight to your checking account.

Each program is slightly different, so be sure to check the terms to find the full details.

Which issuer has the best credit card sign-up bonuses?

Credit card issuers are constantly changing their offers, and therefore the “best” bonus is too.

Generally speaking, however, travel, business, and cards with annual fees will typically have the highest bonuses.

Cash back or entry level cards will have smaller welcome offers, but the spend requirements are often lower, as well.

You should also consider what you value – you can often squeeze more value from miles or points if you redeem them for travel, but if you prefer cash value, you’ll want a credit card that rewards you with statement credits or checks.

How can I spend enough for my credit card bonus?

When deciding how or if you can spend enough to meet the requirement, consider regular purchases you make – groceries, gas, memberships, services, etc. Or, time the reward to coincide with when you need to make a larger purchase anyway – a new laptop, furniture, equipment.

Either way, make sure you understand what constitutes an eligible purchase. These will be detailed in the fine print. Generally speaking, any standard purchase of goods or services will count.

Fees, interest, cash advances, traveler’s checks, prepaid cards or gift cards, or any other purchase of cash equivalents will not.

Also, be mindful about whether you would have bought these things or services anyway. Spending money you otherwise would have saved makes a bonus much less valuable.

Which credit cards have the best rewards?

Ultimately, the best rewards are the ones that you are going to use.

If you do not travel a lot, earning free airline credits or lounge passes might not be the best reward for you. But if you’re something of a jet setter, then saving on your airfare might be a blessing.

Rewards can vary a lot from one credit card to the next. As such, you should pick the card that offers rewards you will actually find helpful (versus picking a card simply for the welcome bonus) and apply now so you can start reaping the rewards right away.

Are credit card rewards taxable?

Unlike regular bank bonuses, credit card rewards are typically treated as a rebate or discount by the IRS, rather than income. So no, earning a welcome bonus for opening a new credit card is not usually taxable.