10 Best Credit Card Offers For October

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Update: Many of these offers are expired or outdated.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

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 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: 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.

Korean-Air-First-Class

3. 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 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-Class-2
Transfer Citi ThankYou points to Singapore KrisFlyer, for travel in Singapore Suites Class

4. 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 lucrative for shorthaul travel (though it will get a bit less lucrative as of February 2016). 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

5. 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

6. 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.

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

Current offer: Personal — earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months; Business — earn 25,000 bonus Starpoints after you use your Card to make $5,000 in purchases within the first 3 months. Terms apply.
Annual fee: $0 introductory annual fee for the first year, then $95

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. American Express also recently improved the terms of the sign-up bonus on the personal card, requiring less spend to earn the sign-up bonus.

W-Taipei
Use Starpoints at the W Taipei

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/or club lounge access. As far as I’m concerned that’s the most useful hotel elite benefit there is. That’s a great deal just for paying the very reasonable annual fee.

Hilton-Manchester-Deansgate-26
Club lounge at the Hilton Manchester Deansgate

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 British Airways Visa Signature® 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. Where would you rank the amex premier rewards gold card if you have a targeted offer of 50K points? More specifically, would you say amex gold card over Citi ty premier since membership reward points are worth more than ty points and the signup bonus is equal? Pretty similar categories. Leaning toward amex, just wanted to get your thoughts.

  2. I just received an offer for a Hyatt Credit Card that gives 50,000 miles for spending $1,000 in the first 3 months. In addition, benefits include the following. Annual fee after first year is $75. The card appears to be a Chase Visa card. What’s your opinion? Doesn’t this look better than the Citi Prestige?

    1 free night
    after your cardmember anniversary at any Category 1-4 property. 3

    5,000 bonus points
    after you add an authorized user and make a purchase within three months of opening your
    account. This bonus offer is available to you as long as you have not received a new
    cardmember bonus for the Hyatt Credit Card in the past 24 months. 4

    Earn unlimited points that don’t expire
    as long as your credit card account remains open. Earn 3 points per $1 spent at Hyatt properties,
    2 points per $1 spent at restaurants, on airline tickets purchased directly from the airline, and at
    car rental agencies, and 1 point per $1 spent on all other purchases made with your card. 5

    Status upgrade
    to elite Hyatt Gold Passport Platinum membership for as long as your Hyatt Credit Card account is open

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