10 Best Credit Card Offers For November

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Update: This offer for The Business Platinum® Card from American Express OPEN is expired. Learn more about the best available offer 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:

1. Chase Sapphire Reserve℠ Card

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.

St-Regis-Bali-Resort - 2
Redeem points earned on the card for 1.5 cents each towards the cost of a hotel stay

2. The Business Platinum® Card from American Express OPEN

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 hotspots10 Gogo passesaccess to American Express Fine Hotels & Resortsaccess 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 pretty good new benefit, and how I plan on using some of my Amex points going forward.

American-Business-Class-787 - 7
Get 1.54 cents of value per Amex point towards a business class ticket

3. Ink Business Preferred℠ Credit Card

Current offer: 80,000 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. This card is brand new, and offers 3x points on the first $150,000 spent annually in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

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 ~$1,265 after subtracting the annual fee.

Redeem Ultimate Rewards points for travel in Korean Air first class

4. The Ritz-Carlton Rewards® Credit Card

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.

The card also comes with a $300 airline credit, Ritz-Carlton Gold status for the first year, a $100 companion airfare benefit, and much more.

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.

Redeem your three complimentary nights at the Ritz-Carlton Half Moon Bay

5. 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 ~$935.

Redeem Ultimate Rewards points for the Park Hyatt Maldives

6. The Business Gold Rewards Card from American Express OPEN 

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.

Redeem your Amex points for ANA first class

7. Barclaycard Arrival Plus™ World Elite Mastercard®

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.

Sapsan-Train-Business-Class - 4
You can even redeem your Barclaycard Arrival Plus miles towards train tickets

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

Current offer: Personal — 25,000 bonus Starpoints after you spend $3,000 on purchases within the first three months; Business — 25,000 bonus Starpoints after you spend $5,000 on purchases within the first three months
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. With the upcoming merger between Marriott and Starwood, who knows how much longer this card will be around.

Al-Maha-Resort-Dubai-Rooms - 46
Redeem Starpoints at Al Maha in Dubai

9. Citi® Hilton HHonors Reserve Card

Current offer: Two free weekend nights at most Hilton family properties after spending $2,500 within four months
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.

Use your free weekend nights at the new Conrad Bora Bora

10. LifeMiles Avianca Vuela Visa Card

Current offer: 60,000 Avianca LifeMiles after first card use when using promotion code AVSPWE at the time of application
Annual fee: $149

Why it’s a great offer: This is a brand new card offer, and interestingly the card is issued by Banco Popular, which is otherwise a fairly unknown issuer in the U.S. mainland. LifeMiles are great for premium cabin redemptions on Star Alliance airlines, so this is a great card to pick up for the bonus miles. Personally I’m waiting for to read some more data points on peoples’ luck applying, just to be sure I get approved when I go and apply.

Avianca-Business-Class-787 - 9
Redeem LifeMiles for Avianca 787 business class

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!

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.


  1. Got declined for the Avianca Vuela. Have Sapphire Reserve hubris having been approved recently, so was a a little baffled by this. Will see what the turndown letter has to say…

  2. Lucky, we give you a hard time. Don’t mind us. It’s hard running a blog, it’s easy to criticize.

    Anyway you keep doing what you do, we will keep doing What we do and not take each other seriously.

  3. Is there any work around for the 5/24 rule with chase? I really want the Reserve & Ink but I went hog wild signing up for everything good last year when I started collecting miles. I think I signed up for 6 cards last year…. I have excellent credit and I make 6 figures so if anyone knows of a work around I would be really excited! I tried calling the recon line but the lady told me no moss 🙁

  4. MizzBaker, my wife applied online for the reserve and was declined. A couple of weeks later she went to a near by Chase branch to open a checking account and the banker asked if she would like to apply for sapphire preferred/reserve since it came up that she was pre-approved for both! Applied for reserve and got approved after some paper work…phewwww! You can try to go the branch if it helps!

  5. @Pritish Thanks for that info 🙂 I have a bank account with Chase that I haven’t really ever used, I opened it with the intentions of paying a mortgage of a property where the deal fell through but maybe I should contact them as they were very eggar to sign me up when I opened the account. This is a great suggestion and might be a work around for the 5/24 rule.

    @Travel4Good Strange, I guess the 5/24 rule doesn’t apply to you, any chance your last name is Rothschild or Morgan? 😀

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