10 Best Credit Card Offers For November

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. Thanks for your support!

Update: Many of these offers are expired or outdated. Please check out the current list of the best travel credit cards.

Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people that ask about which cards they should sign-up for, a question I get on a daily basis. For reference, here is my list of the best credit card sign up bonuses for October.

With that in mind, below are what I consider to be the best credit card sign-up bonuses for this month.

1. Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Current offer: 50,000 AAdvantage miles after spending $3,000 within three months
Annual fee: $95, waived the first year

Why it’s a great offer: American miles are extremely valuable for oneworld travel, and offer some of the best premium cabin redemptions out there, like first class between the US and Asia on Cathay Pacific for 67,500 miles one-way. Using a valuation of 1.8 cents per mile, this sign-up bonus is worth $900.

The “catch” is that as of a few months ago you typically won’t get approved for a second card if you already have another version of the card. In other words, in the past it was possible to earn the sign-up bonuses on both the Visa and the MasterCard, though at the moment that doesn’t seem to be possible.

2. Ink Plus® Business Credit Card

Current offer: 50,000 Ultimate Rewards points after spending $5,000 within three months
Annual fee: Introductory Annual Fee of $0 the first year, then $95

Why it’s a great offer: I would argue this is the all around best business credit card out there. The Ink cards have extremely generous category bonuses which help sole proprietorships and small businesses maximize points on everyday credit card spend, including 5x points at office supply stores, and on cell phones, internet, and cable TV, and double points on gas and hotels.

So this is a card that’s good for both for the sign-up bonus and for everyday spend. I value Ultimate Rewards points at 1.5 cents each, so the sign-up bonus is worth $750 to me. It’s worth noting that you may be able to get a higher sign-up offer at your local Chase branch, so you may want to check that out as well.

3. Southwest Airlines® Rapid Rewards® Premier Credit Card

Current offer: 50,000 Rapid Rewards points for 2 Roundtrip Flights after you spend $2,000 in the first 3 months of opening your account. Government fees as low as $23 not included.
Annual fee: $99

Why it’s a great offer: 50,000 points will get you ~$714 worth of airfare. And that’s not bad just for applying for a credit card and meeting the minimum spend, even if Southwest isn’t your primary airline.

The same offer is also available for the Southwest Airlines Rapid Rewards® Premier Business Card. The real potential for value here, however, comes from the potential for earning the Southwest Companion Pass, which can save you thousands of dollars on travel.

4. Chase Sapphire Preferred® Card

Current offer: 40,000 Ultimate Rewards points after spending $4,000 within three months, plus an additional 5,000 Ultimate Rewards points when you add an authorized user to the card that makes a purchase within three months.
Annual fee: $95, waived the first year

Why it’s a great offer: Ultimate Rewards points can be transferred at a 1:1 ratio to Korean Air, United, Hyatt, and many other programs. The card is also great for everyday spend given that it offers double points on dining and travel. I value the sign-up bonus on this card at $675. This is probably the most-used card in my wallet.

5. British Airways Visa Signature® Card

Current offer: 50,000 Avios after spending $2,000 within three months (offer is only available to applicants that haven’t had the card in the last 24 months)
Annual fee:  $0 Intro Annual Fee The First Year, Then $95

Why it’s a great offer: British Airways has a distance based award chart which is extremely lucrative for shorthaul travel, as awards start at just 4,500 Avios one-way. Given that short flights are often disproportionately expensive when paying cash, I’ve found Avios to be incredibly useful. You can also earn a British Airways Travel Together ticket for spending $30,000 on the card in a calendar year.

I value British Airways Avios at 1.3 cents each, so to me the sign up bonus is worth ~$650 to me.

6. The Lufthansa Premier Miles & More World MasterCard®

Current offer: 20,000 Miles & More miles after the first purchase, 30,000 bonus miles after spending $5,000 within 90 days
Annual fee: $79

Why it’s a great offer: The sign-up bonus alone will get you enough miles for three one-way tickets within the US in United two cabin first class or three cabin business class. Miles & More is also the only points currency that gives you access to Lufthansa first class more than 15 days prior to departure.

7. Citi® Hilton HHonors™ Reserve Card

Current offer: Two free weekend nights at most Hilton family properties after spending $2,500 within four months of account opening
Annual fee: $95

Why it’s a great offer: These free night certificates are redeemable all the way up to Category 10 properties, potentially making this sign-up bonus worth the equivalent of 190,000 HHonors points.

So in terms of buying power, the value of these certificates has hugely increased compared to the buying power of HHonors points. Furthermore you get HHonors Gold status for as long as you have the card, which gets you free breakfast and internet. As far as I’m concerned those are the two most useful hotel elite benefits, and you get that all for the low annual fee on the card.

The Chase Hyatt Visa Card and Fairmont Visa Signature Card also offer similar sign-up bonuses of two free nights after completing the minimum spend, though I’d say the thing that gives the Citi Reserve Card the “edge” is that it gets you their mid-tier status as well, which is extremely valuable.

8. Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Card from American Express

Current offer: The Starwood Preferred Guest® Credit Card from American Express offers 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months, and the Starwood Preferred Guest® Business Credit Card from American Express offers 10,000 Starpoints after the first purchase, and 15,000 additional Starpoints after spending $5,000 within six months.
Annual fee: $0 introductory annual fee for the first year, then $65

Why it’s a great offer: Starpoints remain the most valuable points currency out there to me, and are a great value for both hotel redemptions and airline mileage transfers. I value Starpoints at 2.2 cents each, so this sign-up bonus is worth $550 to me. Terms apply.

9. The US Airways® Premier World MasterCard®

Current offer: 40,000 Dividend Miles after the first purchase
Annual fee: $89

Why it’s a great offer: Now that the merger with American is underway, chances are that this card will be discontinued at some point. This is an easy 40,000 Dividend Miles given that you get the miles after the first purchase. I value US Airways miles at 1.6 cents each, so this sign-up bonus is worth ~$550.

10. Barclaycard Arrival Plus™ World Elite MasterCard®

Current offer: 40,000 miles after spending $3,000 within first 90 days
Annual fee: $89, waived the first year

Why it’s a great offer: Each point can be redeemed for one cent towards the cost of travel, and you get a 10% refund of redeemed miles, making each point worth 1.1 cents. This is also a great card to use in conjunction with award tickets on airlines that levy fuel surcharges, so can be a huge cost-saver. This sign-up bonus is therefore worth $440, and you can earn a pretty great 2.2% cash back towards travel for every dollar spent on the card.

Anyway, those are my top credit cards based on sign-up bonuses this month. If you have any questions or other cards you think have great sign-up bonuses, let me know in the comments section!


Non-Affiliate Product Disclaimer: The information for the Southwest Rapid Rewards® Premier Business credit card and Fairmont Visa Signature® credit card have been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. hmmmm… kinda surprised southwest made it so high up… not because it would not be a good offer but because of the nature of your blog.

  2. I had a Chase Southwest VISA about 3 years ago. Any thoughts on whether I could receive the bonus again if I signed up for another one now?

  3. Kevin: You can get it again and get the bonus again! You have to wait at least 24 months, which you have already done. Enjoy your points!

  4. @Lantean You must be new to miles and points blogs. The more the blogger gets paid for the referral, the better the deal they make it seem for readers.

  5. Hi! Questions specifically about Citi AA card. The terms state.

    “This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account made pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card.”

    1. Does it mean ANY AA card, including Executive?
    2. Do you think 18 month rule still works with Citi?

    Thank you!

  6. @Nick And you don’t know what you are talking about. The SW card is one of the lowest paying affiliate cards around.

  7. We are living in Europe. I signed up for the American Airlines Advantage card not realising it has foreign transaction fees. This card would not be beneficial if using it exclusively in Europe. Do you happen to know which of these cards do not have foreign transaction fees ?

  8. @ SP — The Citi rules confuse me nowadays, to be honest. Some people have had luck and others haven’t, as best I can tell.

  9. Thanks, Lucky. It’s torture for me to watch some of these float by (not that I haven’t already gotten MOST of them), but I’m considering a major real estate purchase suddenly, and have to really cool it for a while. It’s killing me.

    I don’t understand why jerks like Nick read these blogs at all. Is it just to post vitriol? I guess they are so used to high quality content for nothing that they begrudge the provider making any money at all. Sad.

  10. @ Ralph Dyke — It’s based on when you last earned the bonus, so it’s closer to when you applied than when you canceled.

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