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: The below links for the Starwood Preferred Guest cards and Southwest credit card are expired, but you can learn more about the best current 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.

We’ve seen some great sign-up bonuses over the past few months, including some great bonuses being discontinued, and also some great new bonuses being introduced.

With that in mind, below are what I consider to be the 10 best right now:

1. 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 fairly 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

2. 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

3. 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

4. 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 making $3,000 in purchases within the first three months, plus an additional 10,000 bonus Starpoints after making an additional $2,000 in purchases within the first six months; Business — Earn 25,000 bonus Starpoints after making $5,000 in purchases within the first three months, plus an additional 10,000 bonus Starpoints after making an additional $3,000 in purchases within the first six months. Offers end 4/5/17.
Annual fee: $0 introductory annual fee for the first year, then $95

Why it’s a great offer: 35,000 Starpoints is the biggest ever sign-up bonus we’ve seen on the SPG Amex, so this is a fantastic card to pick up. I value Starpoints at 2.2 cents each, so this sign-up bonus is worth $770 to me. If you don’t have one or both of these cards, I’d highly recommend picking them up.

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

5. 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. Do note that this increased offer is ending around March 1, so if you’re interested you’ll want to apply in the next few days.

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.

Redeem your American miles for Qatar Airways business class

6. 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

7. Southwest Rapid Rewards® Plus Credit Card

Current offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
Annual fee: $69

Why it’s a great offer: It’s rare to see a sign-up bonus this big on Southwest’s “Plus” product, so this is a special offer. The 50,000 points can be redeemed for up to ~$700 worth of airfare, or otherwise you can even redeem your 50,000 points for $500 worth of Amazon gift cards. This is a great bonus even for those who aren’t otherwise Southwest loyalists.

50,000 points will get you a lot of travel on Southwest!

8. 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

9. 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.

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

10. The Hyatt Credit Card

Current offer: Two free nights at any Hyatt property after spending $2,000 within three months
Annual fee: $75

Why it’s a great offer: These two free nights can be redeemed at any Hyatt in the world, giving you some pretty great options in terms of where you can stay. The card also offers an annual free night certificate valid at a Category 1-4 property, making this a great card to hold onto long term.

Redeem your two free nights at the Park Hyatt Sydney

Anyway, those are my top credit cards based on sign-up bonuses this month. The only other thing I’d mention is that the Chase Sapphire Reserve still has a 100,000 point sign-up bonus, but only if you apply in a Chase branch. So it’s something to be aware of, though obviously not something I can link to online.

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. You should clearly rename your post name to “10 Best Credit Card offers that I can also earn commission” cuz your disclaimer doesn’t tell folks that if they apply credit cards in branch or while booking tickets to get a higher signup bonus or a credit.

    Example : Chase Reserve 100k is still available in branch

    United gives 70k miles + $50 credit or 50k miles + $50 credit while booking a ticket( you don’t have to complete the booking)

    …..and so on

  2. Lucky you owe your readers nothing.

    If the dumb fu^*k readers haven’t yet figured out that their best interests is not your priMary concern, they need to be taken to the cleaners. Screw dumb Americans.

  3. Lucky, do you happen to know if the Citi Honors Reserve signup bonus has ever been higher? It seems like it’s been sitting at 2 free nights for quite a while.

  4. For those who have plans to see Sydney, the Hyatt Visa card is great. Wife and I both got the card prior to visiting Down Under, and were able to enjoy a total of four nights at the Park Hyatt Sydney, which would have cost a small fortune (between $3,000 and $4,000 US) otherwise.

  5. Lucky- please do a Philippine Airlines review! I am currently addicted to their theme song- it is stuck in my head. Best. Song. Ever.

  6. I agree with Credit. The post is misleading. The Chase Sapphire Reserve is available with a 100k bonus through March 11. That should be number 1 and not buried at the end.

  7. Thanks as always. Just curious though, why is the Barclaycard AA Aviator Red so rarely mentioned on this and other blogs under “current best offer posts”? 40K American Airline miles after first purchase made within 90 days and paying the $95 annual fee. Same general benefits as the Citibank AA card like 10% annual refund of points redeemed on AA, free bag, etc. Not earth shattering, but certainly seems worthy.

  8. Lucky, I’m a big fan of your blog and have been a consistent reader. However, I was disappointed to see that you didn’t even mention the Chase Sapphire Reserve 100K is still available in branches. When friends ask me which card, the first thing I say is, if you can get to a Chase branch, go for the CSR. I felt disappointed you didn’t point this out. You clearly know about this.

  9. Hi Luchy, I just tried the link for Avianca Card, it only shows 40K offer, I even went further to input all of my info and input the coupon code and click ‘Review my info’, on the next page it still on show 40K offer, is there any way we can confirm that 60K offer before apply???

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