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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 first 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: We’ve never seen bigger publicly available sign-up bonuses on this card, 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 it worth holding onto, including free checked bags, priority boarding, etc.
Redeem American AAdvantage miles for travel in the Etihad A380 Apartment
Current offer: 50,000 Ultimate Rewards points after spending $4,000 within three months
Annual fee: $450
Why it’s a great offer: While the card has a $450 annual fee, it offers a $300 annual travel credit, which I more or less consider to be worth face value. So the way I see it, the card has an “out of pocket” of about $150 per year, and for that you get triple points on dining and travel, a Priority Pass membership, a Global Entry fee credit, great travel protection, and much more. I value Ultimate Rewards points at ~1.7 cents each, meaning that 50,000 points are worth $850. If you subtract the $150 “out of pocket” on the card (as I see it), that makes the sign-up bonus worth $700 to me.
Redeem Ultimate Rewards points for the Park Hyatt Maldives
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
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 $10,000 on the card within the first year to earn a total of 75,000 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.
I value Avios at ~1.3 cents each, so assuming you earn 50,000 Avios, the sign-up bonus is worth $555 to me. Meanwhile if you earn 75,000 Avios, the sign-up bonus is worth ~$880 to me.
Redeem your British Airways Avios for travel on Aer Lingus
Sign-up bonus: Earn 50,000 AAdvantage miles after the first purchase
Annual fee: $95
Why you should consider applying: I value American miles at ~1.3 cents each, so to me the sign-up bonus is worth $555 (after subtracting the annual fee).
The cards comes with several perks like a first checked bag for free, 10% of your redeemed miles back (up to 10,000 back per year), up to 3,000 elite qualifying dollars for spending $25,000, and more.
Redeem American AAdvantage miles for travel in Japan Airlines business class
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 St. Regis Dubai Polo Club
Current offer: 40,000 World of Hyatt points after spending $2,000 within three months, plus an additional 5,000 points when you add an authorized user to the card that makes a purchase within three months
Annual fee: $75
Why it’s a great offer: Not only does this card offer a generous sign-up bonus, but it also offers lots of long term perks that make the card a keeper, including an annual free night certificate valid at a Category 1-4 World of Hyatt property, Discoverist status for as long you have the card, Explorist status when you spend $50,000 or more on the card in a calendar year, and access to World of Hyatt promotions that are sometimes targeted at those with the card.
I value Hyatt points at ~1.5 cents each, so to me the sign-up bonus is worth ~$525.
Redeem World of Hyatt points at the Grand Hyatt Chengdu
Current offer: 50,000 bonus miles after spending $3,000 within three months
Annual fee: $95, waived the first year
Why it’s a great offer: This is a great cash back travel credit card, which offers double miles on all purchases. In reality miles can be redeemed for one cent towards the cost of a travel purchase, meaning that this card earns the equivalent of 2% back towards travel. On top of that the card has a great sign-up bonus, a waived annual fee the first year, and other valuable perks. To me the sign-up bonus is worth ~$500.
You can redeem your rewards towards the cost of virtually any travel purchase
If you have any questions or other cards you think have great sign-up bonuses, let me know in the comments section!