10 Best Credit Card Offers For September

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Update: Many of these offers are expired or outdated.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 August.

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

1. Citi Prestige® Card

Current offer: 50,000 ThankYou points after spending $3,000 within the first three months of cardmembership
Annual fee: $450

Why it’s a great offer: I’d argue this is the single most compelling credit card out there right now. Not only does the card offer a 50,000 point sign-up bonus, but it offers a ton of perks which more than offset the annual fee. This includes a $250 per calendar year airline credit (with your first year’s annual fee you get two of those $250 credits), Admirals Club access, a Priority Pass Select membership, a fourth night free benefit on hotels, a Global Entry fee credit, and much more.

Points can either be transferred to one of the ThankYou airline transfer partners, or otherwise redeemed for travel on American/US Airways at a rate of 1.6 cents each. Personally I value the sign-up bonus at ~$1,350 in rewards the first year.

American-Business-Class
Redeem Citi Prestige points for 1.6 cents each towards the cost of an American ticket

2. Ink Plus® Business Credit Card

Current offer: 60,000 Ultimate Rewards points after spending $5,000 within three months
Annual fee: $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 ~1.6 cents each, so the sign-up bonus is worth ~$960 to me.

3. Citi AAdvantage Executive World Elite MasterCard

Current offer: 75,000 American AAdvantage miles after spending $7,500 within the first three months of cardmembership
Annual fee: $450

Why it’s a great offer: This card has a limited time increased sign-up bonus. I consider American AAdvantage miles to be among the most valuable out there, as I value them at 1.8 cents each. That makes the 75,000 mile sign-up bonus worth $1,350. Once you deduct the $450 annual fee, that makes this sign-up bonus worth ~$900 to me.

Cathay-Pacific-First-Class-777-54
Redeem American AAdvantage miles for travel in Cathay Pacific first class

4. Citi ThankYou® Premier Card 

Current offer: 50,000 ThankYou points after spending $3,000 within the first three months of cardmembership
Annual fee: $0 annual fee for the first 12 months, then $95

Why it’s a great offer: This card has an improved sign-up bonus at the moment, and goes very well with the Citi Prestige® Card, given that points can be pooled. If you have both cards then you can redeem points for 1.6 cents towards the cost of an American/US Airways ticket, or points can be transferred to one of the ThankYou Rewards transfer partners. If you want to get both cards, you’ll want to apply for them at least eight days apart, as Citi generally won’t approve more than one application per person within a window of eight days.

Singapore-Suites-1
Transfer Citi ThankYou points to Singapore KrisFlyer, for travel in Singapore Suites Class

5. British Airways Visa Signature® Card

Current offer: 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening. Plus earn an additional 25,000 bonus Avios when you spend $10,000 on purchases or 50,000 bonus Avios when you spend a total of $20,000 on purchases within your first year (offer is only available to applicants that haven’t had the card in the last 24 months).
Annual fee: $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.

Alaska Airlines 737 SeaTac Airport
Redeem Avios efficiently for shorthaul travel on Alaska Airlines

6. 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.

Park-Hyatt-Maldives-25
Redeem Ultimate Rewards points for the Park Hyatt Maldives

7. Southwest Airlines® Rapid Rewards® Premier Credit Card

Current offer: 50,000 point sign-up bonus after spending $2,000 within three months
Annual fee: $99

Why it’s a great offer: Southwest’s Rapid Rewards program is revenue based, so 50,000 points will get you quite a bit of credit towards travel on Southwest. While Rapid Rewards points aren’t the most aspirational currency, they are extremely practical. This sign-up bonus can be especially valuable if you’re going for Southwest Companion Pass. Furthermore, you receive 6,000 points each year upon your account anniversary.

8. 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 5% refund of redeemed miles, making each point worth 1.05 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 $420, and you can earn a pretty great 2.1% cash back towards travel for every dollar spent on the card.

TGV-Train-Brussels-Paris-06
Redeem Barclaycard Arrival miles for train tickets

9. 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.

Hilton-Budapest-View
Use Hilton HHonors Gold benefits at the Hilton Budapest

10. Club Carlson Premier Rewards Visa Signature Card

Current offer: 50,000 points after the first purchase, and an additional 35,000 points after spending $2,500 on the card within 90 days.
Annual fee: $75

Why it’s a great offer: As I’ve written about previously, the Club Carlson card has a ton of value, including 85,000 points after completing the minimum spend, a 40,000 point anniversary bonus, and Gold status for as long as you have the card.

You earn 5x points per dollar spent on the card, so once you’ve spent $3,000 on the card you’ll have 100,000 points. Many of Club Carlson’s best hotels cost just 50,000 points per night, so that’s enough points for two nights at some of Club Carlson’s top properties. You can also redeem points for premium rooms and suites, which really increases the value of these points.

Radisson-Blu-1919
Redeem Gold Points for a stay at the Radisson Blu 1919 Reykjavik

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 Credit Card has 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.

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Comments

  1. Just a quick note on the Chase Ink Plus. The current 60,000 point offer doesn’t waive the $95 annual fee the first year.

  2. The Chase BA AF is not waived for the first year.

    Also, I’m surprised the Club Carlson card made the list. It has been about 60% devalued since May (i.e. a previously 50k stay now costs 140k in many situations).

  3. Lucky – I plan to get both the Citi Thank You Premier and Prestige cards, so that I can take advantage of the higher value, pooled points. However, is there a specific sequence I should apply for them? I’m thinking I should do the Thank You Premier first, get the bonus, then the Prestige, so that I can pool them, and they higher value points will be around and usable longer. Am I thinking about this right or am I over thinking it?

  4. The writeup for the Club Carlson card states “You earn 5x points per dollar spent on the card, so once you’ve spent $3,000 on the card you’ll have 100,000 points. Many of Club Carlson’s best hotels cost just 50,000 points per night, ***so that’s enough points for two sets of two nights at some of Club Carlson’s top properties.***”

    Is this language referring to the discontinued Second Free Night trick, or am I missing something?

  5. I applied for the Chase Ink Plus and got the notice that they will mail me a letter in 30 days. What’s the current procedure to follow? Call in or wait it out?

  6. We just received an offer for 100k in rewards points. Is it worth it if we mostly fly Delta and have status with them? Can we use the Admiral Club if we aren’t flying American? We currently each have the Delta Reserve. Thanks

  7. @chad

    Are you talking about 100k for Prestige? Yeah it is worth even if you just got gift cards that is $1000 in gift cards plus $500 in airline fees for a $450 annual fee. Well worth it. You can still use the points to book Delta cash tickets at 1.25 per point too so you can get even more and still get to fly on your airline plus you earn skymiles and credit when booking this way. You can not get into admirals clubs with it unless you are flying american…but you get priority pass with it which gets you into lounges at a lot of airports that may not have a delta lounge.

  8. Silly question. If I am qualified for HHonors Diamond for 2016 (via the AMEX Surpass Card), and I apply for the Citi HHonors Reserve Card, do I keep my Diamond status or do they knock me down to Gold per the terms of the new card agreement.

  9. @Mark, sorry I forgot to mention which card but yes it was the Citi Prestige Card. Looks like we will have to get the card and thanks for the info. If we get the card is it good for a year from when we get it with the fee or prorated till January?

  10. i didn’t know this until yesterday but if you get a Citigold account, the Prestige annual fee is waived. I opened a Citigold account last Friday and the Prestige a month ago, and when I checked online, the annual fee for the Prestige was credited back two days later prorated. My credit was $412.

  11. For those who haven’t heard yet, Chase has a new policy on apps for the CSP, Freedom, and Slate cards. If you have been issued more than 5 ccs in the past 24 months, and yes that means with ANY bank and even includes AU cards, your app will be automatically denied. No matter how good your credit, and how long your relationship with Chase. Even with a 7 figure income and a 850 FICO score, your app will be denied. This is crucial to know, since I’d guess 99% of the folks reading this post have applied for more than 5 ccs in the past two years.

    @Paul The best current advice, if your app goes to pending, is to NOT call in. Just let it work it’s way thru the system. It is more likely to be approved that way, and you save yourself the grief of being interrogated by the CSRs.

    @RJ Sorry to disappoint you, but there is a fee for CitiGold members. It’s $350 instead of $450. What happened is they refunded the prorated higher fee for non-CitiGold members, and will soon post the reduced $350 fee.

  12. I’m in the process of evaluating a new CC. What I’m most interested in is:
    1. Earning miles with American
    2. Getting credit towards or access to clubs.

    Please recommend the best card out there for this.

    Thank you
    Anna

  13. Ben, I am considering getting the British Airways Visa to get the bonus Avios. I know you always state that Avios are only valuable for short-haul flights given the high fuel charges, but what about using them only partially to offset the cost of a ticket? During the fare sale yesterday, I booked two round-trip tickets from LAX to Madrid for roughly $1500 each, but used 60,000 Avios to get the cost of the tickets down to $700 each. Since I will get 20,000 Avios for the flight, my net Avios spend was 40,000. I thought that was a good deal – am I missing something here?
    Interestingly enough, when I went back to look at the same itinerary after I booked my flight, it only gave me the option of using 30,000 Avios, resulting in a more expensive ticket.

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