10 Best Credit Card Offers For February

Update: This offer for the British Airways Visa Signature® Card has expired. Learn more about the current offers here.

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: This offer for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is expired. Learn more about the current offer here.

Update: Many of these offers are expired or outdated. Please check out the current list of the best travel credit cards.

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 that ask about which cards they should sign-up for, a question I get on a daily basis. For reference, here is my list of the best credit card sign up bonuses for January.

With that in mind, below are what I consider to be the best credit card sign-up bonuses for this month. In advance I should warn that this hasn’t been an especially exciting month on the credit card front. With that in mind:

1. Ink Plus® Business Credit Card

Current offer: 60,000 Ultimate Rewards points after spending $5,000 within three months
Annual fee: $95

Why it’s a great offer: This offer is 20% richer than usual, as the card usually comes with a 50,000 point sign-up bonus. I would argue this is the all around best business credit card out there. 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.

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 1.5 cents each, so the sign-up bonus is worth ~$800 to me. It’s worth noting that you may be able to get a higher sign-up offer at your local Chase branch, so you may want to check that out as well.

Redeem Ultimate Rewards points for Korean Air first class

2. Citi Platinum Select AAdvantage Mastercard

Current offer: 50,000 AAdvantage miles after spending $3,000 within three months
Annual fee: $95, waived the first year

Why it’s a great offer: American miles are extremely valuable for oneworld travel, and offer some of the best premium cabin redemptions out there, like first class between the US and Asia on Cathay Pacific for 67,500 miles one-way. Using a valuation of 1.8 cents per mile, this sign-up bonus is worth $900.

The “catch” is that as of a few months ago you typically won’t get approved for a second card if you already have another version of the card. In other words, in the past it was possible to earn the sign-up bonuses on both the Visa and the Mastercard, though at the moment that doesn’t seem to be possible.

3. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Current offer: 50,000 American AAdvantage miles after spending $3,000 within the first three months of cardmembership
Annual fee: $0 annual fee for the first 12 months, then $95

Why it’s a great offer: The miles from the personal and business cards can “pool” into a single AAdvantage account, so this is a great way to earn more miles quickly. Using a valuation of 1.8 cents per mile, this sign-up bonus is also worth $900.

Redeem American miles for Japan Airlines first class

4. Chase Sapphire Preferred® Card

Current offer: 40,000 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 $675. This is probably the most-used card in my wallet.

5. British Airways Visa Signature® Card

Current offer: 50,000 Avios after spending $2,000 within three months (offer is only available to applicants that haven’t had the card in the last 24 months)
Annual fee: $0 Intro Annual Fee The First Year, Then $95

Why it’s a great offer: British Airways has a distance based award chart which is extremely lucrative for shorthaul travel, as awards start at just 4,500 Avios one-way. 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 British Airways Avios at 1.3 cents each, so to me the sign up bonus is worth ~$650 to me.

6. The US Airways® Premier World Mastercard®

Current offer: 50,000 Dividend Miles after the first purchase
Annual fee: $89

Why it’s a great offer: Now that the merger with American is underway, chances are that this card will be discontinued at some point. This is an easy 40,000 Dividend Miles given that you get the miles after the first purchase. I value US Airways miles at 1.6 cents each, so this sign-up bonus is worth ~$700.

7. Citi® Hilton HHonors Reserve Card

Current offer: Two free weekend nights at most Hilton family properties after spending $2,500 within four months of account opening
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 internet. As far as I’m concerned those are the two most useful hotel elite benefits, and you get that all for the low annual fee on the card.

The Hilton HHonors Surpass Card from American Express is offering an increased 80,000 HHonors points sign-up bonus after you spend $3,000 in purchases within your first three months of card membership. The card has a $75 annual fee, which isn’t waived for the first year. This is the highest publicly available sign-up bonus I’ve ever seen on that card.

If you don’t have either card, I’d probably get the Citi® Hilton HHonors Reserve Card first, as the free night certificates are more valuable in practice than the 80,000 bonus points, in my opinion. That being said, the Hilton HHonors Surpass Card from American Express has a lower annual fee, and the bonus categories can be potentially lucrative.

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

Current offer: The Starwood Preferred Guest® Credit Card from American Express offers 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months, and the Starwood Preferred Guest® Business Credit Card from American Express offers 10,000 Starpoints after the first purchase, and 15,000 additional Starpoints after spending $5,000 within six months.
Annual fee: $0 introductory annual fee for the first year, then $65

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. Terms apply.

Use Starpoints at the W Guangzhou

9. Barclays Arrival Plus™ World Elite Mastercard®

Current offer: 40,000 miles after spending $3,000 within first 90 days
Annual fee: $89, waived the first year

Why it’s a great offer: Each point can be redeemed for one cent towards the cost of travel, and you get a 10% refund of redeemed miles, making each point worth 1.1 cents. This is also a great card to use in conjunction with award tickets on airlines that levy fuel surcharges, so can be a huge cost-saver. This sign-up bonus is therefore worth $440, and you can earn a pretty great 2.2% cash back towards travel for every dollar spent on the card.

10. Club Carlson Premier Rewards Visa Signature Card

Current offer: 50,000 points after the first purchase, and an additional 35,000 points after spending $2,500 on the card within 90 days.
Annual fee: $75

Why it’s a great offer: As I’ve written about previously, the Club Carlson card has a ton of value, including 85,000 points after completing the minimum spend, a 40,000 point anniversary bonus, Gold status for as long as you have the card, and most importantly, the second night of award redemptions are free, potentially doubling the value of your points.

You earn 5x points per dollar spent on the card, so once you’ve spent $3,000 on the card you’ll have 100,000 points. Many of Club Carlson’s best hotels cost just 50,000 points per night, so that’s enough points for two sets of two nights at some of Club Carlson’s top properties. You can also redeem points for premium rooms and suites, which really increases the value of these points.

Redeem Gold Points for a stay at the Radisson Blu 1919 Reykjavik

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. do you think Citi will increase the current AA offer after the FF programs merge? it’d be great to get at least 60k…

  2. @Lantean – If anything, I think they’d DECREASE the sign-up bonuses, since they won’t have to compete with Barclays for new applicants.

  3. One would think that you would include the Chase Hyatt in your list even if you don’t get any $$$ from it.

    The fact that you omit it even though you and other BA bloggers were the biggest cheerleaders when the 20% rebate promo came out is appalling.

    Call me a troll if you like, but this is another proof that many BA bloggers are dishonest and just credit card salesmen to say the least.

  4. @John – Would you like compensate Lucky for his work? If you aren’t willing to help him out financially then who cares if 1 post he writes is to help generate income for himself.

  5. @John – Did you not read the first sentence in the post? “Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.” Did you see the phrase “I consider,” or are you willfully ignoring it? Have you ever considered that what Lucky considers the best cards may be different than what you consider the best cards?

  6. Ok I’ll bite. No list like this should exclude either historical or future knowledge, because of the long wait period between identical card applications.

    So, #1 Chase Ink Plus was recently at 70k, #5 Chase BA has been at 100k several times AND Avios are about to be devalued, #6 Barclays about to close this card forever and 50k is a high watermark, so it should be #1, #8 Starwood goes to 30k every year like clockwork so what’s the rush, and #9 Barclay Arrival just got dethroned by the Discover it Miles 3% offer and shouldn’t even be on the list. Did I miss anything?

  7. @Stannis

    All valid points except #9… Discover hardly dethrones Arrival because it doesn’t offer any sign up bonus at all and the cash back goes down to 1.5% after first year. You’d have to do a lot of MS to make up for the lack of sign up bonus. Plus Discover is not accepted everywhere.

  8. My wife and I are about to spend $20K on a month long vacation in AS/NZ. I’m wondering which card to put it on.

    Ideally, I’d like to get 2 or more points per dollar and also pick a card that will give me a bonus for that much spend (or a little more).

    I have the chase products (Sapphire, Ink, United) and also USAIr, AA (2 of them) and Arrival. Amex Plat, too, of course.

    While I’m thinking of it, I’d love to see a chart of all the cards you recommend here, with columns for categories like gas/food/travel that pay double or more, plus the threshhold bonuses and annual fees. Is there one out there? Got some free time?

    Thanks in advance

  9. I’m surprised the Business United 50k didn’t make the list, most bloggers are really recommending that one right now.

  10. Re: AA Mastercard. FT thread seems to say you can still get the bonus if after 18 months. Is “typically” the operative word in your post, Ben? Or am I not up to date enough on latest developments. I’m 20 months since my last AA sign up and was planning to get the MC next month

  11. club carlson sent out a targeted 85,000 sign up that waived the fee for the first year, so maybe join club carlson and hope they send you that in the mail

  12. Lucky,

    I currently have the Citi AAdvantage Mastercard. Would I still be able to get the Citi Platinum Select AAdvantage and get the bonus? Also, do you think I might be able to “upgrade” my current AAdvantage MC to the Platinum Select and get the bonus? That way, I can cut down on one of the Citi cards and hopefully, no credit pull since I already have a card with them?


  13. @ Arun — It’s tough to say, Citi seems to be all over the place in terms of approvals. Some report luck earning the bonus in that scenario while others don’t. Maybe someone else can chime in. Sorry I don’t have a more direct answer.

  14. @ wim — I don’t think I’ve ever claimed that all my content is relevant to all imaginable readers. 🙂

  15. @ thewhitezone — Indeed, experiences do seem to vary, so it’s tough to make rules, but that seems to be the “normal” experience.

  16. @ Steve — Thanks for the post idea. Is the $20K vacation being charged by a travel agency, or with specific airlines, hotels, etc.?

  17. We were just looking online, but if a travel agent is hooked up with a card to offer 2x or more, then I’d have no problem booking through them.

    I’m thinking that a single 20K spend ought to be able to earn double miles, or qualify for more than one bonus if I can find a new card I don’t already have, or at least get me to a threshold bonus.

    Too bad the Master cards at staples don’t come in larger than $200 sizes. I can’t see dumping 100 cards on an agent, nor would I care to pay the fees. When we remodeled the bathroom last year the builder took half his fee in Lowes $500 cards. That was sweet!

  18. Lucky,

    What’s the best no annual fee reward credit card for a recent college grad? One that I can use for a few years and just put away ( to build credit history) when I ready to move up to better reward card when I can afford the fee.

    Thanks for the feedback.

  19. Applied for Barclay U.S. Airways credit card online on 2/15/15 and the application went “pending”. It appears that this card is no longer churnable. I had this card twice previously, most recently closed my account in January 2015. (Note: the most recently cancelled card is still showing up on my Barclay online credit card management profile)

    Today I received a letter from Barclay explaining why they could not approve my application due to “our records show that you’ve already established the maximum allowable number of this product with us. Please let us know immediately if you did not apply for or receive this product previously.”

    Anyone have luck getting it approved by calling the reconsideration line?

Leave a Reply

Your email address will not be published. Required fields are marked *