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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 new offers being added, and others being discontinued.
With that in mind, below are what I consider to be the 10 best right now:
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 was only introduced last year, and offers 3x points on the first $150,000 spent annually in combined purchases on travel, shipping, 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 business class
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 Vienna
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 Amex points for travel in ANA first class
Sign-up bonus: Earn 60,000 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 the biggest sign-up bonus we’ve ever seen on these cards, and it’s only available for a limited time. I value American miles at ~1.3 cents each, so to me the sign-up bonus is worth ~$780.
Furthermore, the card comes with several perks that could make them worth holding onto, including free checked bags, priority boarding, etc.
Redeem American AAdvantage miles for travel in the Etihad A380 Apartment
Sign-up bonus: Earn 50,000 ThankYou points after spending $4,000 within the first four months
Annual fee: $95 (waived the first year)
Why you should consider applying: The points earned on this card can be redeemed for 1.25 cents each towards the cost of an airline ticket, making the sign-up bonus worth a minimum of $625. Alternatively points can be transferred to any of the ThankYou airline and hotel partners, potentially allowing you to get even more value out of the points.
The card also offers a great return on spend, as it offers triple points on travel and gas, and double points on dining and entertainment. That makes it one of the most well rounded mid-range credit cards.
I value ThankYou points at ~1.5 cents each, so to me the sign-up bonus is worth $750.
Current offer: Earn 80,000 bonus IHG Rewards Club points after spending $1,000 within three months, plus an additional 5,000 IHG Rewards Club points when you add an authorized user to the card that makes a purchase within three months
Annual fee: $49, waived the first year
Why it’s a great offer: This is one of the most well rounded hotel credit cards out there, as it offers an annual free night certificate valid at virtually any IHG property in the world, 10% off points redemptions (for a refund of up to 100,000 points per year), and IHG Rewards Club Platinum status for as long as you have the card. The card also isn’t subjected to the Chase 5/24 rule.
Current offer: Earn 50,000 bonus Avios after spending $3,000 within three months, plus an additional 25,000 Avios after spending $10,000 within the first year, plus an additional 25,000 Avios after spending $20,000 within the first year
Annual fee: $95
Why it’s a great offer: This sign-up bonus is great, regardless of whether you’re looking to just earn the entry level bonus of 50,000 Avios, or want to spend $20,000 on the card within the first year to earn a total of 100,000 Avios. On top of that, keep in mind that if you spend $30,000 on the card in a year you’ll earn a companion certificate, which means that a companion can fly with you for just the cost of taxes and fees on British Airways. This card also isn’t subjected to the 5/24 rule.
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.
Redeem Starpoints at the Le Meridien Paro
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, waived 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: 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 fairly new card offer, and interestingly the card is issued by Banco Popular, which is otherwise a fairly unknown issuer in the US mainland. LifeMiles are great for premium cabin redemptions on Star Alliance airlines, so this is a great card to pick up.
Redeem LifeMiles for travel in Asiana A380 first class
If you have any questions or other cards you think have great sign-up bonuses, let me know in the comments section!