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. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Chase, and Citi, and thanks for your support!
Update: There’s an exciting new offer for the SPG American Express cards! The links below are expired, but you can learn more about the opportunity to earn 35,000 SPG points here!
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 few 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, 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 two 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: 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
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
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. Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® and CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Sign-up bonus: Earn 50,000 American AAdvantage miles after spending $3,000 within the first three months
Annual fee: $95 (waived the first year)
Why you should consider applying: This is a fantastic sign-up bonus for a card with an annual fee waived the first year. I value American miles at ~1.5 cents each, so to me the sign-up bonus is worth ~$750.
Furthermore, both cards come with several perks that could make them worth holding onto, including free checked bags, priority boarding, etc. The personal version of the card offers a 10% refund on redeemed points, which is an opportunity to get up to 10,000 miles refunded per year. That more than justifies the annual fee, in my opinion. You can potentially get approved for both the personal and business version of the card, for a total of up to 100,000 bonus miles.
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.
9. 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.
Redeem Starpoints at Al Maha in Dubai
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
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 Chase Sapphire Reserve 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.