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. That means you can earn hundreds of dollars worth of rewards just for signing up and using your new card.
Not only is it an excellent way to boost your credit score if used responsibly, but issuers are hungry to attract new customers which means 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 May 2023
Here are the 25 current best credit card bonus offers that you can earn right now:
- The Business Platinum Card® from American Express: 120,000 bonus points
- Citi Premier® Card: 60,000 bonus points
- Citi Custom Cash℠ Card: $200 bonus
- Ink Business Unlimited® Credit Card: $750 bonus
- Chase Sapphire Preferred® Card: 60,000 bonus points
- Chase Freedom Flex℠: $200 bonus
- Chase Freedom Unlimited®: $200 bonus
- Ink Business Preferred® Credit Card: 100,000 bonus points
- Chase Sapphire Reserve®: 60,000 bonus points
- World of Hyatt Business Credit Card: 60,000 bonus points
- Chase Freedom® Student credit card: $50 bonus
- IHG® Rewards Traveler Credit Card: 80,000 bonus points
- Ink Business Cash® Credit Card: $750 bonus
- IHG® Rewards Premier Business Credit Card: 140,000 bonus points
- IHG® Rewards Premier Credit Card: 140,000 bonus points
- The Platinum Card® from American Express: 80,000 bonus points
- American Express® Gold Card: 60,000 bonus points
- Blue Cash Preferred® Card from American Express: $250 bonus
- Blue Cash Everyday® Card from American Express: $200 bonus
- Hilton Honors American Express Card: 70,000 bonus points + a Free Night Reward
- Delta SkyMiles® Gold American Express Card: 40,000 bonus miles
- The Blue Business® Plus Credit Card from American Express: 15,000 bonus points
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 50,000 bonus miles
- Citi® Double Cash Card - 18 month BT offer: up to 2% Cash Back
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: 65,000 bonus miles
1. The Business Platinum Card® from American Express
The Business Platinum Card® from American Express comes with a new cardmember offer that can see you earn 120,000 Membership Rewards® Points after spending $15,000 within the first three months on eligible purchases.
You also get a whole host of other annual perks including up to $400 back per year toward U.S. purchases with Dell Technologies, up to $150 back per year for select business subscription purchases with Adobe, a $200 airline fee credit and more! Enrollment required.
This is in addition to the lounge access and 5x points on airline and hotel purchases through amextravel.com. Terms Apply. Keep in mind, these perks come at a price, as there's a $695 annual fee.
Plus, use your Membership Rewards to Pay with Points for a first class or business class flight with any airline available through American Express Travel and you receive 35% of the points back. Or get 35% of the points back when you book a flight in any class with your pre-selected qualifying airline. *up to 1 million points back per calendar year.
The American Express Business Platinum Card comes with a hefty annual fee, but the luxury card is well worth it for businesses that travel frequently and spend big, with high rewards, credits, and elite hotel and lounge benefits. Terms Apply.
The Business Platinum Card® from American Express - 120,000 bonus points
The The Business Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 120,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Business Platinum Card® from American Express using the link below.
- Within 3 months, spend $15,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
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2. Citi Premier® Card
The Citi Premier® Card offers new cardholders a welcome bonus of 60,000 bonus ThankYou Points, which you can get after making purchases worth $4,000 in the first three months. Plus, for a limited time, earn a total of 10 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
You can exchange these bonus points for $600 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 - 60,000 bonus points
The Citi Premier® Card 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:
- Apply for a new Citi Premier® Card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited in the form of 60,000 points, which can be redeemed for $600 in gift cards.
Learn more about the Citi Premier® Card 60,000 bonus points offer
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3. Citi Custom Cash℠ Card
Citi is offering new Custom Cash℠ Card cardmembers a welcome bonus of $200 when spending $1,500 in the first six 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).
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 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:
- Apply for a new Citi Custom Cash℠ Card using the link below.
- Within 6 months, spend $1,500 using your new card.
- Bonus will be credited as $200 cash back.
Learn more about the Citi Custom Cash℠ Card $200 bonus offer
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4. Ink Business Unlimited® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $750 bonus to new Ink Business Unlimited® cardholders.
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 - $750 bonus
The Ink Business Unlimited® Credit Card offer requires you to make purchases using the account's card in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Unlimited® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 75,000 points, which can be redeemed for $750 cash.
Learn more about the Ink Business Unlimited® Credit Card $750 bonus offer
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5. Chase Sapphire Preferred® Card
Chase is offering 60,000 bonus points to new Chase Sapphire Preferred® cardholders.
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 $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 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:
- Apply for a new Chase Sapphire Preferred® credit card using the link below.
- Within 3 months, spend $4,000 using your new card.
- 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.
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6. Chase Freedom Flex℠
In addition to the other card perks like cash back and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Flex℠ cardholders.
You will also earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year, which equates to a possible $600 additional bonus if you max the benefit.
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℠ 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:
- Apply for a new Chase Freedom Flex℠ credit card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 20,000 points, which can be redeemed for $200.
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7. Chase Freedom Unlimited®
In addition to the other card perks like cash back 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 $12,000 spent at grocery stores within the first year. If you max that benefit, you could see an extra $600 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.
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® 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:
- Apply for a new Chase Freedom Unlimited® credit card using the link below.
- Within 3 months, spend $500 using your new card.
- $200 Bonus will be credited within 6 to 8 weeks.
Learn more about the Chase Freedom Unlimited® $200 bonus offer
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8. 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 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:
- Apply for a new Ink Business Preferred® credit card using the link below.
- Within 3 months, spend $15,000 using your new card.
- 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.
Learn more about the Ink Business Preferred® Credit Card 100,000 bonus points offer
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9. 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® 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:
- Apply for a new Chase Sapphire Reserve ® credit card using the link below.
- Within 3 months, spend $4,000 using your new card.
- 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.
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10. 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 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:
- Apply for a new World of Hyatt Business credit card using the link below.
- Within 3 months, spend $5,000 using your new card.
- Bonus points will be credited to your World of Hyatt account within 6 to 8 weeks.
Learn more about the World of Hyatt Business Credit Card 60,000 bonus points offer
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11. 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 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:
- Apply for a new Chase Freedom® Student credit card using the link below.
- Within 3 months, make a purchase using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 5,000 points, which can be redeemed for $50.
Learn more about the Chase Freedom® Student credit card $50 bonus offer
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12. IHG® Rewards Traveler Credit Card
Chase is currently offering 80,000 bonus points to new IHG® Rewards Traveler cardholders.
The 80,000 points is enough for 3 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 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:
- Apply for a new IHG® Rewards Traveler credit card using the link below.
- Within 3 months, spend $2,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Traveler Credit Card 80,000 bonus points offer
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13. Ink Business Cash® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $750 bonus to new Ink Business Cash® cardholders.
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 - $750 bonus
The Ink Business Cash® Credit Card offer requires you to make purchases using the account's card in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Cash® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 75,000 points, which can be redeemed for $750 cash.
Learn more about the Ink Business Cash® Credit Card $750 bonus offer
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14. 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 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:
- Apply for a new IHG® Rewards Premier Business credit card using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Premier Business Credit Card 140,000 bonus points offer
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15. IHG® Rewards Premier Credit Card
Chase is offering 140,000 bonus points to new IHG® Rewards Premier cardholders. 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
The IHG® Rewards Premier Credit Card 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:
- Apply for a new IHG® Rewards Premier credit card using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus points will be credited to your IHG® Rewards account within 6 to 8 weeks.
Learn more about the IHG® Rewards Premier Credit Card 140,000 bonus points offer
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16. The Platinum Card® from American Express
The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 80,000 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 Membership Rewards® Points on flights booked directly with airlines or with American Express Travel (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 card. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits. Terms Apply.
The Platinum Card® from American Express - 80,000 bonus points
The The Platinum Card® from American Express 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:
- Apply for The Platinum Card® from American Express using the link below.
- Within 6 months, spend $6,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Platinum Card® from American Express 80,000 bonus points offer
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17. 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 on eligible purchases.
Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Also, receive 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. Terms Apply.
American Express® Gold Card - 60,000 bonus points
The American Express® Gold Card 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:
- Apply for a new American Express® Gold Card using the link below.
- Within 6 months, spend $4,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards® Points.
Learn more about the American Express® Gold Card 60,000 bonus points offer
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18. 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.
The card offers 6% back at U.S. super markets (on up to $6,000 per year in purchases, then 1%), 6% on select U.S. streaming subscriptions, 3% on U.S. transit and gas stations, and 1% on all other eligible purchases. *terms apply.
Once you've earned at least $25, you can choose to receive your rewards as statement credits, gift cards or merchandise. The card does come with a $0 intro annual fee for the first year, then $95.
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. Terms Apply.
Blue Cash Preferred® Card from American Express - $250 bonus
The Blue Cash Preferred® Card from American Express 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:
- Apply for a new Blue Cash Preferred® Card using the link below.
- Within 6 months, spend $3,000 using your new card to earn $250 as a statement credit.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of statement credits.
Learn more about the Blue Cash Preferred® Card from American Express $250 bonus offer
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19. 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 a $200 welcome offer.
Blue Cash Everyday® Card from American Express is a rewards credit card that offers 3% back on groceries at U.S. supermarkets (on first $6,000 per year, then 1%), 3% at U.S. gas stations (on first $6,000 per year, then 1%), 3% cash back on U.S. online retail purchases (on first $6,000 per year, then 1%), and 1% on every other eligible purchase. Terms Apply.
Your cash back is credited as Reward Dollars that can be redeemed for statement credits.
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. Terms Apply.
Blue Cash Everyday® Card from American Express - $200 bonus
The Blue Cash Everyday® Card from American Express 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:
- Apply for a new Blue Cash Everyday® Card using the link below.
- Within the first 6 months, spend $2,000 using your new card to earn $200 as a statement credit.
- Bonuses will be credited within 8-12 weeks of meeting the requirements.
Learn more about the Blue Cash Everyday® Card from American Express $200 bonus offer
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20. Hilton Honors American Express Card
The Hilton Honors American Express Card comes with a new cardmember offer that can see you earn 70,000 Hilton Honors bonus points and a Free Night Reward 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).
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. Terms Apply.
Hilton Honors American Express Card - 70,000 bonus points + a Free Night Reward
The Hilton Honors American Express Card offer requires you to make purchases using the account's card in order to earn the 70,000 bonus points + a Free Night Reward. Full requirements to receive this bonus are:
- Apply for a new Hilton Honors American Express Card using the link below.
- Within 3 months, spend $1,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Hilton Honors points.
Learn more about the Hilton Honors American Express Card 70,000 bonus points + a Free Night Reward offer
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21. 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
New: Delta SkyMiles® Gold American Express Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
The Delta SkyMiles Platinum American Express Card is worth it for frequent Delta flyers who want to receive a free checked bag for themselves and their companions when they travel with Delta. Terms Apply.
Delta SkyMiles® Gold American Express Card - 40,000 bonus miles
The Delta SkyMiles® Gold American Express Card 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:
- Apply for a new Delta SkyMiles® Gold American Express Card using the link below.
- Within 6 months, spend $2,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Delta SkyMiles frequent flyer miles.
Learn more about the Delta SkyMiles® Gold American Express Card 40,000 bonus miles offer
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22. The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express comes with a new cardmember offer that can see you earn 15,000 Membership Rewards® points after spending $3,000 within the first three months on eligible purchases.
You'll also earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. (*terms apply)
The Blue Business Plus Card from American Express is a great pick for smaller business owners looking for a balance of affordability and benefits, with solid rewards and a range of business perks. Just note that there is a rewards spending cap, which may not be the best fit for larger businesses with bigger budgets. Terms Apply.
The Blue Business® Plus Credit Card from American Express - 15,000 bonus points
The The Blue Business® Plus Credit Card from American Express offer requires you to make purchases using the account's card in order to earn the 15,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Blue Business® Plus Credit Card from American Express using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards® Points.
Learn more about the The Blue Business® Plus Credit Card from American Express 15,000 bonus points offer
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23. 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® 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:
- Apply for a new Citi® / AAdvantage® Platinum Select® World Elite Mastercard® credit card using the link below.
- Within 3 months, spend $2,500 using your new card.
- Bonus miles will be credited in your AAdvantage® account in 8-10 weeks.
Learn more about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® 50,000 bonus miles offer
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24. 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 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:
- Apply for a new Citi® Double Cash Card using the link below.
- Spend with your new card, earn 1% cash back.
- By the due date, pay at least the minimum balance due, earn an additional 1% cash back.
Learn more about the Citi® Double Cash Card - 18 month BT offer 2% Cash Back offer
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25. 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® 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:
- Apply for a new CitiBusiness® / AAdvantage® Platinum Select® Mastercard® credit card using the link below.
- Within 4 months, spend $4,000 using your new card.
- Bonus miles will be credited in your AAdvantage® account in 8-10 weeks.
Learn more about the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® 65,000 bonus miles offer
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See today’s best deals and apply now for these credit cards at CardRatings.com!
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 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.
