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Update: Many of these offers have expired. Learn more about the best available offers 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.
Well, the last couple of months have been especially exciting on the credit card front in terms of new offers. Below are what I consider to be the 10 best right now:
Current offer: 100,000 Ultimate Rewards points after spending $4,000 within three months
Annual fee: $450
Why it’s a great offer: This card was launched in August, and is possibly the hottest credit card offer we’ve ever seen. The card has a massive sign-up bonus, and on top of that has lots of perks that make it valuable long term.
Most notably, the card offers triple points on dining and travel, and also offers a $300 annual travel credit. The travel credit is issued per calendar year while the annual fee is charged per cardmember year, meaning you’ll potentially get $600 in travel credits before your second year’s annual fee is due.
I value Ultimate Rewards points at ~1.7 cents each, so to me the 100,000 points are worth $1,700. On top of that you can potentially come out $150 ahead on the travel credit in the first year (since you can get $600 and the annual fee is just $450), meaning I give this sign-up bonus a value of ~$1,850.
Current offer: Earn up to 100,000 Membership Rewards points — earn 50,000 Membership Rewards points after spending $5,000, and an extra 50,000 points after spending an additional $10,000 on purchases in the first three months
Annual fee: $450
Why it’s a great offer: While the minimum spend requirement is big, a sign-up bonus of up to 100,000 points is huge. Taking advantage of this offer could even make sense if you only plan on spending the $5,000 within three months to earn 50,000 Membership Rewards points.
This card comes with so many great perks, including a $200 annual airline fee credit (before you pay your second year’s annual fee you can receive two of those), access to Boingo hotspots, 10 Gogo passes, access to American Express Fine Hotels & Resorts, access to Delta SkyClubs, a Priority Pass Select membership, access to Amex Centurion Lounge, a Global Entry fee credit, and Gold elite status in both Hilton HHonors and Starwood Preferred Guest/Marriott.
However, the cherry on top is that having this card will increase the value of all your Membership Rewards points, as you’ll be able to get up to 1.54 cents each when redeeming them towards the cost of an airline ticket. This is a great new benefit, and how I plan on using most of my Amex points going forward.
Current offer: Three complimentary nights at any Tier 1-4 Ritz-Carlton hotel after spending $5,000 within three months, plus 10,000 bonus points after adding an authorized user and having them make a purchase within the first three months
Annual fee: $450
Why it’s a great offer: This card has a fantastic increased sign-up bonus at the moment, which gives you three complimentary nights at any Tier 1-4 Ritz-Carlton property. The exact value of that bonus depends on what you plan on redeeming those nights for, but suffice to say that three nights at most Ritz-Carlton properties aren’t cheap, whether you’re looking to redeem within the US or internationally.
Also keep in mind that anecdotally this card will be easier to be approved for than the Sapphire Reserve, since it’s not subject to Chase’s “5/24” rule.
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 ~$935.
Redeem Ultimate Rewards points for the Park Hyatt Maldives
Current offer: 60,000 Ultimate Rewards points after spending $5,000 within three months from account opening
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 ~1.7 cents each, so to me the sign-up bonus is worth ~$925 after subtracting the annual fee.
Redeem Ultimate Rewards points for travel in Korean Air first class
Sign-up bonus: Earn 50,000 Membership Rewards points after spending $5,000 within the first three months
Annual fee: $175 (waived the first year)
Why you should consider applying: This is one of the best small business cards out there in terms of the bonus points it offers, given that you earn bonus points in the following five categories:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media
- U.S. purchases at gas stations
- U.S. purchases for shipping
- U.S. computer hardware, software, and cloud computing purchases made directly from select providers
You can pick in which category you want to earn 3x points, and then in the other four categories you earn 2x points.
On top of that, this is a fantastic sign-up bonus for a card that doesn’t have an annual fee the first year. I value Membership Rewards points at ~1.7 cents each, so to me the sign-up bonus is worth ~$850.
7. Platinum Delta SkyMiles® Business Credit Card From American Express and Platinum Delta SkyMiles® Credit Card from American Express
Current offer: Earn 70,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after spending $5,000 within the first three months; earn a $100 statement credit after you make a Delta purchase within the first three months
Annual fee: $195
Why it’s a great offer: This is the biggest sign-up bonus we’ve ever seen on this card. Earning 70,000 miles plus a $100 statement credit after making a Delta purchase (that can include the purchase of a Delta gift card) is a phenomenal deal. There are lots of great ways to use Delta SkyMiles for redemptions in business class on partner airlines.
Given that many people haven’t had this card before, I think it’s worthy of consideration.
8. Gold Delta SkyMiles® Business Credit Card from American Express and Gold Delta SkyMiles® Credit Card from American Express
Current offer: Earn 50,000 bonus miles after spending $2,000 within the first three months; earn a $50 statement credit after you make a Delta purchase within the first three months
Annual fee: $95, waived the first year
Why it’s a great offer: This is a fantastic way to pick up 50,000 Delta SkyMiles with a waived annual fee the first year. Given Delta’s “pay with miles” option, at a minimum you can get one cent of value out of each mile, though by redeeming miles on partner airlines in premium cabins you should be able to do even better.
Current offer: Earn 50,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $500 travel statement credit; get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
Annual fee: $89 annual fee waived for the first year
Why it’s a great offer: This sign-up bonus is 25% bigger than usual, and it’s the best offer we’ve ever seen on this card. This is one of the best travel cashback credit cards, as you essentially earn the equivalent of a ~2.1% return on everyday spend, which can be applied towards travel purchases. Add in the great sign-up bonus, and this is a very compelling card.
Current offer: 50,000 bonus Avios after you spend $3,000 on purchases within the first three months
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.
I value Avios at 1.3 cents each, so to me the sign-up bonus is worth ~$555 after you subtract the $95 annual fee.
Anyway, those are my top credit cards based on sign-up bonuses this month. It’s kind of telling that eight of the 10 best bonuses are on Chase cards.
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 Chase Sapphire Reserve, British Airways Visa Signature Card, Platinum Delta Skymiles Business and Gold Delta Skymiles 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.