10 Best Credit Card Offers For February

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: This offer for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is expired. Learn more about the current offer here.

Update: This offer for the Citi Prestige® Card is expired. Learn more about the current offer here.

Update: This offer for Barclaycard Arrival Plus™ World Elite Mastercard® is expired, but there’s currently an opportunity to earn 50,000 miles after spending $3,000 within first 90 days of having the card. Learn more about the special offer here.

Update: The best offers are constantly changing, and many of these are expired. You can find the current offer details here.

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 who 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 January.

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 creditAdmirals Club access, a Priority Pass Select membership, a fourth night free hotel benefit, 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-First-Class-Sydney - 11
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. This is also a limited time sign-up bonus, and 20% higher than the usual sign-up bonus offered on the card.

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
Redeem Ultimate Rewards points for travel in Korean Air first class

3. Chase Sapphire Preferred® Card

Current offer: 50,000 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 $880.

Park-Hyatt-Maldives-16
Redeem Ultimate Rewards points for the Park Hyatt Maldives

4. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Current offer: 50,000 American AAdvantage miles after spending $3,000 within the first three months of cardmembership
Annual fee: Introductory annual fee of $0 the first year, then $95

Why it’s a great offer: This card has a limited time increased sign-up bonus, which ends this coming Monday, February 28, 2016. American is devaluing their award chart as of March 22, 2016, so these points are worth a bit less than what I would have valued them at in the past. Still, I’d say American miles are worth ~1.5 cents post-devaluation, so this sign-up bonus is worth $800 to me.

Etihad-A380-Apartment - 1
Redeem American AAdvantage miles for travel in the Etihad First Class Apartment

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.
Annual fee: $95

Why it’s a great offer: British Airways has a distance based award chart which is lucrative for shorthaul travel. 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.

British-Airways-First
Use your Travel Together ticket to redeem for British Airways first class

6. 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. With the upcoming merger between Marriott and Starwood, who knows how much longer this card will be around.

Al-Maha-Activities - 30
Redeem Starpoints at Al Maha in Dubai

7. Marriott Rewards® Premier Credit Card

Current offer: 80,000 Marriott Rewards points after spending $3,000 within three months, plus an additional 7,500 bonus points when you add the first authorized user and make a purchase in the first three months from account opening
Annual fee: $85

Why it’s a great offer: I value Marriott Rewards points at ~0.7 cents each, so to me 87,500 points are worth ~$610. Once you factor in the annual fee, that brings the value of the sign-up bonus to $525. Furthermore, the card offers an annual free night certificate valid at Category 1-5 properties, which more than justifies the $85 annual fee. So it’s not only a great sign-up bonus, but a card worth holding onto long term. With the merger between Marriott and Starwood well underway these points will eventually combine, which is why I’m planning on picking up this card shortly.

Marriott-GRU-Airport
Redeem your annual free night certificate at the Marriott Sao Paulo Airport

8. The Hyatt Credit Card

Current offer: Two free nights at any Hyatt worldwide after spending $1,000 within three months of account opening
Annual fee: $75, waived the first year

Why it’s a great offer: This is one of my favorite hotel credit cards, as those two free nights can be redeemed at any Hyatt in the world, including properties like the Park Hyatt Sydney. Those properties otherwise go for up to 30,000 points per night, so that sign-up bonus is potentially worth 60,000 points.

On top of that, you earn a free night certificate valid at a Category 1-4 property upon your account anniversary each year, which more than offsets the annual fee.

Park-Hyatt-Sydney-14
Room at the Park Hyatt Sydney

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.

Conrad-Koh-Samui
View from the Conrad Koh Samui

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 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

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!


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Comments

  1. @norman

    If you have sapphire and thank you cards, platinum is pretty much useless in terms of perks. If you are getting it just for the miles, I would wait for a targeted offer. I keep getting 60k offer but there are cases where they offer 100k.

  2. @Dg

    Thanks for answering! Unfortunately neither Citi nor Chase operates in my area, and unless you know any of them willing to serve outside of their radius, I don’t see myself getting those two, even though I wanted to. I wonder how (and how frequently) they send out targeted offer though, through email or mail? To existing customers?

  3. @norman

    Where do you live and what do you mean by operate? Citi has 0 atms or branches in where I live, only a single private banking branch. You should still be able to get the card. Assuming you are in the US of course.

    I have a green amex card, don’t even use it but I got offers both through mail and e-mail in the last 2 months. If you are from the US, you might try to use https://www.creditcards.com/cardmatch/
    to see if you are eligible.

  4. Is there a way to check if you are eligible for the sign up bonus. I had the chase sapphire prefered about 2 years ago and want to sign up again and get the signup bonus.
    Thanks

  5. Glad to see you placing the Chase cards high on your list. We used the Chase Sapphire Preffered ( one card each) and the Ink Plus the do the heavy lifting on 2 first class seats from Atlanta to Cebu, Philippines on Korean Air. Finished off the “purchase” with some KAL Skypass Visa miles, and $388 in cash, which we covered with the Capital One Venture Rewards points purchase eraser. If bought with cash, the seats would be over $21,500, which puts the points at $.11 each. Not that we’d pay $21,500, I’m just sayin’. Keep up the good work. We’ll enjoy your work from 30,000 feet in a 26 inch wide seat. Boom!

  6. Wow!!!! No Citi Thankyou Premier card? The best card going right now! Better than its big brother (Prestige) for everyday spend. Premier should be #1, followed by Prestige.I still have mad love for Lucky!

  7. Settle down, Guy. Lucky didn’t include Cuti Premier because they recently took down their long-standing offer of 50,000 bonus Thank You you points for $3,000 of spend within the first 3 months of having the card.

  8. @Dg

    Yes I live in the States. It’s just I can’t open checking accounts where they don’t have a branch. I’ll try to see if I can work around that though. Thanks a lot for the info!

  9. @Norman-You don’t need a banking relationship with the bank to get the credit cards. I dare say that most of Lucky’s regular readers have multiple cards from each Chase, Citi, Amex and Barclay, among others, and may not bank with any of them.

  10. Thanks for a great article! Which (if any?) of these are possible to get if you do not live in the US? I am living in europe and would be great if you could also review cards over here or recommend sites that prove such information.

    Thanks in advance!

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