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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
*The information for the Discover it® Cash Back and Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
*The information for the Citi® / AAdvantage® Executive World Elite Mastercard®, Alaska Airlines Visa Signature® credit card, Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Platinum American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
*The information for the Marriott Bonvoy Boundless® Credit Card, World of Hyatt Credit Card and IHG One Rewards Premier Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Earn 60,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $2,000 on purchases in your first 3 months from account opening.
*The information for the Marriott Bonvoy Bold® Credit Card and IHG One Rewards Traveler Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 75,000 bonus points (worth around $1,500*)
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on travel, dining and online grocery purchases
25% bonus on Chase TravelSM redemptions
Transfer points to 12+ travel partners
Great travel protections
No foreign transaction fees
$95 annual fee
Requires excellent credit
The Chase Sapphire Preferred® Card offers one of the most valuable sign-up bonuses currently available: Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year. However, you can squeeze even more from your points by transferring them to one of Chase’s 12-plus travel partners. The card does come with a $95 annual fee, though the value of the sign-up bonus more than makes up for that in the first year.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Enjoy a one-time bonus of 75,000 miles (worth around $1,350*)
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR19.99% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
High cash back rate on hotels and rentals booked through Capital One Travel
Flexible redemption options
TSA PreCheck/Global Entry credit
No foreign transaction fees
$95 annual fee
No major U.S. airline partners
With the Capital One Venture Rewards Credit Card, you’ll 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. This is a great bonus because Capital One Miles are so flexible. You can redeem them for cash back, gift cards, travel and more — but you’ll get the most value when you transfer them to one of Capital One’s 15-plus travel partners.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 70,000 bonus ThankYou® Points (worth around $1,260*)
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.74% - 28.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on travel and everyday categories like gas and groceries
Access to travel transfer partners
$100 annual hotel credit
No foreign transaction fees
$95 annual fee
Only one U.S. airline transfer partner (JetBlue)
The Citi Strata Premier℠ Card lets you earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. But this bonus becomes even more valuable when you transfer your Citi ThankYou® points to one of Citi’s many travel partners. Other notable features include an excellent rewards program and a $100 annual hotel credit, which essentially cancels out the card’s $95 annual fee.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases.
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Unlimited cash back match for new cardholders (worth around $340*)
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Annual Fee$0
Intro Purchase APR0% Intro APR for 15 months
Regular Purchase APR18.49% - 27.49% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated earning rate on rotating bonus categories
Intro APR on purchases
$0 annual fee
No foreign transaction fees
Bonus categories require activation
Spending cap on higher cash back rate
The Discover it® Cash Back tops all other cash back cards with its unique sign-up bonus: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. The card also comes with a great rewards program, allowing you to earn bonus cash back on quarterly rotating categories (activation required). Plus, you’ll get a 15-month intro APR on purchases — all for a $0 annual fee.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
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*The information related to the Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) (worth up to $300*)
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Annual Fee$0
Intro Purchase APR0% Intro APR on Purchases for 15 months
Regular Purchase APR19.99% - 28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Ability to transfer rewards to premium Chase cards for more value
$0 annual fee
Foreign transaction fees
Limited bonus categories
With the Chase Freedom Unlimited®, you’ll earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. You’ll also get an excellent rewards program, an intro APR on purchases and balance transfers and solid purchase and travel protections. Plus, you can transfer your rewards to a premium Chase Ultimate Rewards® card to boost your redemption value by 25% to 50%.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
$250 Cash Back after you spend $500 on purchases within 3 months from account opening
Annual Fee$0
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.74% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
High cash back rate on dining, entertainment and grocery purchases
Solid purchase and travel protections
No foreign transaction fees
$0 annual fee
No intro APR offer
In addition to elevated cash back rewards on dining, entertainment and grocery purchases, the Capital One Savor Cash Rewards Credit Card comes with a hefty sign-up bonus. You’ll $250 Cash Back after you spend $500 on purchases within 3 months from account opening. Just know that this card comes with a $0 annual fee, bringing the actual value down to $205. Still, this is a bit higher than the typical $200 offered by some of the best cash back credit cards.
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual Fee$0 intro annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Regular Purchase APR18.74%-29.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
One of the most rewarding cards for U.S. supermarket purchases
Intro APR on purchases
Annual fee (waived the first year)
Spending cap on highest earning rate
Foreign transaction fees
The Blue Cash Preferred® Card from American Express comes with one of the highest welcome offers around for cash back cards: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. The six-month window is a notable benefit, as most cards only give you three months to meet the spend requirement for similar offers. Additionally, the Blue Cash Preferred® Card from American Express comes with an intro APR on purchases and a generous rewards program highlighted by a whopping 6% cash back (on up to $6,000 per year, then 1%) on U.S. supermarket purchases.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Annual Fee$0
Intro Purchase APR0% intro APR on purchases for 15 months
Regular Purchase APR19.99% - 28.74% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated earning rate on rotating bonus categories
Flexible redemption options
Intro APR on purchases and balance transfers
$0 annual fee
Bonus categories require activation
Spending cap on bonus categories
Foreign transaction fee
The $0-annual-fee Chase Freedom Flex℠ comes with a solid, easy-to-earn sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. This is among the lowest spending requirements for any credit card sign-up bonus. But the signature of the Chase Freedom Flex℠ is its rewards program, which lets you earn 5% cash back (on up to $1,500) on different bonus categories each quarter when activated. You’ll also get an intro APR on purchases and balance transfers, as well some nice World Elite Mastercard benefits.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best airline credit card sign-up bonuses
Citi® / AAdvantage® Executive World Elite Mastercard®*
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 100,000 American Airlines AAdvantage® bonus miles (worth around $1,800*)
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Annual Fee$595
Intro Purchase APRN/A
Regular Purchase APR20.74% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Even with its $595 annual fee, the Citi® / AAdvantage® Executive World Elite Mastercard® provides exceptional value for American Airlines loyalists — thanks in part to its huge sign-up bonus. Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening. In addition to elevated rewards on American Airlines purchases, the card also offers 10x miles on car rentals and hotels booked through AA.com, as well as premium travel perks and protections.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
*The information related to the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 85,000 bonus points (worth around $1,190*)
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Annual Fee$69
Intro Purchase APRN/A
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on Southwest purchases and everyday spending categories
Low annual fee
3,000 annual anniversary points
Opportunity to earn Southwest Companion Pass®
Limited international travel options
Fewer perks compared to other Southwest cards
Despite having a lower annual fee, the Southwest Rapid Rewards® Plus Credit Card boasts the same great sign-up bonus as the higher-tier Southwest Rapid Rewards® Priority Credit Card. You’ll earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. This spending requirement is also lower than those found on other airline credit cards.
While it does come with fewer perks than other Southwest credit cards, you’ll still get 3,000 annual anniversary points, 10,000 annual Companion Pass® points and 25% back on in-flight purchases.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 60,000 bonus miles plus Alaska’s Famous Companion Fare™ (worth around $1,146*)
50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.24% - 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Chance to earn Alaska’s Famous Companion Fare™ each year
Free checked bags and priority board on Alaska flights
No foreign transaction fees
$95 annual fee
Alaska Airlines has a limited flight network
The Alaska Airlines Visa Signature® credit card offers tremendous savings through a combo of valuable Alaska Airlines miles and Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23). You’ll also get great perks from Alaska Airlines, including free checked bags and priority boarding. Plus, you’ll qualify for a companion fare each account anniversary after you spend $6,000 on the card in the prior year.
Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
Plus, no foreign transaction fees and a low $95 annual fee.
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
*The information related to the Alaska Airlines Visa Signature® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles (worth around $900*)
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Annual Fee$99, waived for first 12 months
Intro Purchase APRN/A
Regular Purchase APR20.74% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on American Airlines flights, gas and restaurants
Valuable travel benefits
Earn a $125 flight discount based on annual spending
No foreign transaction fees
Annual fee ($99, waived for first 12 months)
No travel or purchase protections
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® lets you earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.. American Airlines miles are worth 29% more than the average mile, making this one of the best airline card sign-up bonuses available. Plus, the card’s annual fee is waived for the first year, so you won’t have to worry about that cutting into your rewards. The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® also comes with a solid rewards program, valuable travel benefits and the opportunity to earn a $125 American Airlines flight discount.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 60,000 bonus miles and 500 Premier qualifying points (worth around $780*)
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Annual Fee$250
Intro Purchase APRN/A
Regular Purchase APR21.49% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on dining, hotels and United Airlines purchases
Earn up to 6,000 PQPs each year on purchases
Two 5,000-mile anniversary award flight credits annually
Great travel perks and protections
$125 annual credit on select United purchases
$250 annual fee
Rewards limited to United Airlines
No United Club access
The United Quest℠ Card boasts a generous welcome offer pairing bonus miles with Premier qualifying points (PQPs). You’ll earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open. The miles are a great value, but frequent United flyers may be even more excited about the PQP boost. This is a nice head start toward earning MileagePlus® Premier® status, which gives you access to even more United benefits.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 50,000 bonus miles (worth around $650*)
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.49% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Earns bonus miles on dining, hotels and United Airlines purchases
Receive two United Club one-time passes each cardmember anniversary
Solid travel perks and protections
No foreign transaction fees
Annual fee after the first year
Rewards limited to United Airlines
With the United℠ Explorer Card, you can earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Since United Airline miles are valued at approximately 1.3 cents each, this bonus is worth around $650. Plus, the card’s annual fee is waived for the first year, meaning you’ll get to pocket that full amount. The card also boasts a solid rewards rate and bevy of travel perks, including one free checked bag per flight, priority boarding, annual United Club passes and a credit for Global Entry, TSA PreCheck or Nexus.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Welcome offer: Earn 85,000 bonus miles (worth around $935*)
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee$350
Intro Purchase APRN/A
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Along with a boosted earning rate on Delta and hotel purchases, the Delta SkyMiles® Platinum American Express Card comes with a solid welcome offer: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Note that you have a six-month window to earn to offer, which is twice as long as the three months offered by most other airline cards.
Although Delta SkyMiles aren’t as valuable as other airline miles, this offer is still worth around $935 – more than enough to cover a round-trip domestic flight. Plus, you’ll also score some great travel benefits, including an annual companion certificate each renewal year.
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
$120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights
board early, stow your carry-on bag and settle in sooner.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
*The information related to the Delta SkyMiles® Platinum American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Welcome offer: Earn 65,000 bonus miles (worth around $715*)
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee$0 introductory annual fee for the first year, then $150.
Intro Purchase APRN/A
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Earn 2x miles on Delta purchases and at U.S. supermarkets and restaurants
Chance to earn a $200 Delta flight credit through spending
Up to a $100 annual Delta Stays credit
No foreign transaction fees
Annual fee
No airport lounge access
No intro APR offer
With the Delta SkyMiles® Gold American Express Card, you’ll earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Although this is slightly smaller than the Delta SkyMiles® Platinum American Express Card‘s welcome offer, the card’s spending requirement and annual fee are also lower. Plus, you’ll still get some solid credits and Delta benefits, like priority boarding and a free checked bag.
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
*The information related to the Delta SkyMiles® Gold American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 3 Free Night Awards (worth around $1,350*)
Earn 125,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from your account opening.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on Marriott purchases, gas, dining and groceries
2x points on all other purchases
Automatic Silver Elite status
Annual free night award after renewal
No foreign transaction fees
$95 annual fee
Rewards are limited to Marriott stays
The Marriott Bonvoy Boundless® Credit Card is currently offering the best sign-up bonus of any hotel credit card. You’ll earn 125,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from your account opening. This is a great value for Marriott fans, who can use the bonus for a long weekend getaway or to lessen the cost of a longer stay. This card also comes with an excellent rewards program, an annual free night award and automatic Silver Elite status — all for a reasonable $95 annual fee.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.
*The information related to the Marriott Bonvoy Boundless® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Annual Fee$650
Intro Purchase APRN/A
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Despite its jaw-dropping $650 annual fee, the Marriott Bonvoy Brilliant® American Express® Card offers great value for Marriott loyalists — thanks in part to its generous welcome offer. You’ll earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. We value Marriott points at about $0.009 each, making this offer worth around $855. To justify the hefty price tag, the card also comes with a generous rewards program, luxury travel perks and over $400 in annual credits.
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn up to 45,000 bonus points (worth around $765*)
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.49% – 28.49% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Hyatt points are more valuable than those from other hotel brands
Annual free night award
Complimentary Discoverist Elite status
No foreign transaction fees
$95 annual fee
Complicated and somewhat misleading sign-up bonus structure
Hyatt’s hotel network is smaller than that of other major chains
The World of Hyatt Credit Card comes with a valuable but complicated sign-up bonus: Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
While the card markets the highest bonus potential as 60,000 points (30,000 initial bonus points plus the chance to earn 30,000 more), the actual limit is 45,000 points. That’s because half of the additional bonus (15,000 points) is earned via the card’s regular rewards program. Still, we value Hyatt points at 1.7 cents each, making this bonus worth around $765.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
*The information related to the World of Hyatt Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 140,000 Bonus Points (worth around $700*)
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee$99
Intro Purchase APRN/A
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Statement credit for Global Entry, TSA PreCheck® or NEXUS
$99 annual fee
IHG points not as valuable as other types of points
A top choice for IHG loyalists, the IHG One Rewards Premier Credit Card comes with an excellent sign-up bonus: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening While IHG points aren’t as valuable as the average rewards currency, this bonus is still worth around $700. The $99 annual fee will cut into that a bit, but you’ll also get some great perks, including a free anniversary night each year and automatic Platinum Elite status.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
*The information related to the IHG One Rewards Premier Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Welcome offer: Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward (worth around $1,400*)
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Annual Fee$150
Intro Purchase APRN/A
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Automatic Hilton Honors Gold status (enrollment required)
Up to $200 annual Hilton credit
Priority Pass lounge access (enrollment required)
Chance to earn annual Free Night Reward
$150 annual fee
Hilton points not as valuable as other hotel points
A favorite among Hilton fans, the Hilton Honors American Express Surpass® Card boasts a large welcome offer with a relatively low spending requirement. You can earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
The card also features a generous rewards program with a variety of bonus categories, including 12x points on Hilton purchases. Plus, you’ll get automatic Hilton Honors Gold status (enrollment required) and several valuable travel benefits.
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Welcome offer: Earn 150,000 Membership Rewards® points (worth around $3,000*)
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APR18.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on travel and select business purchases
Over $1,000 in travel and business credits
Airport lounge access and other premium travel perks
No preset spending limit
No foreign transaction fees
$695 annual fee
High spend requirement to earn welcome offer
The Business Platinum Card® from American Express is a premium business card with a premium welcome offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Depending on how you redeem these points, this bonus could be worth up to $3,000.
Some business owners may not be able to meet the high spending requirement or justify the card’s $695 annual fee. But those who can will enjoy some serious benefits, including airport lounge access, Marriott Bonvoy® Gold Elite status (enrollment required) and over $1,000 in travel and business credits.
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 100,000 bonus points (worth around $2,000*)
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.74% - 25.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
The Ink Business Preferred® Credit Card‘s huge sign-up bonus is one of many reasons why it tops our list of the best business credit cards. You’ll earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. This is a very reasonable spending requirement for a business card, as many others require you to spend more than three times that amount to earn the bonus.
The sign-up bonus — and the rewards you earn with the card — are paid out in flexible Chase Ultimate Rewards® points. These can be redeemed for cash back, gift cards, travel and more, but you’ll get even more value through a 1:1 transfer to one of Chase’s many travel partners.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn a one-time cash bonus of $1,200
$2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee$150
Intro Purchase APRN/A
Regular Purchase APRN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Earn 5% cash back on hotels and rental cars booked through Capital One Travel
No preset spending limit
No foreign transaction fees
$150 annual fee
High spend requirement to earn sign-up bonus
Balance must be paid in full each month
Points and miles aren’t for everyone — and this is where the Capital One Spark Cash Plus comes in. It lets you $2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year Plus, you can earn an additional $200 cash bonus every year you spend at least $200,000. These spending requirements are high, so this card may be better for new business owners needing to make some large initial purchases while getting started. The Capital One Spark Cash Plus does have a $150 annual fee, which could lessen the value of the bonus, but this will be refunded if you spend at least $150,000 during the year.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
For businesses that need large spending capacity and want to maximize cash back
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Welcome offer: Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward (worth around $1,100)
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Generous rewards on Hilton stays and everyday purchases
Automatic Hilton Honors Silver status (enrollment required)
No foreign transaction fees
Hilton points not as valuable as other hotel points
Limited travel benefits
With the Hilton Honors American Express Card, you can earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. Even though Hilton points are worth less than other hotel points, this is a great bonus for a no-annual-fee credit card. Plus, you’ll get a generous rewards program — highlighted by 7x points on Hilton stays — and automatic Hilton Honors Silver status (enrollment required).
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 1 Free Night Award (worth around $450*)
Earn 60,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $2,000 on purchases in your first 3 months from account opening.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR21.49% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
For an entry-level hotel card with no annual fee, the Marriott Bonvoy Bold® Credit Card comes with a solid sign-up bonus. You’ll earn 60,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $2,000 on purchases in your first 3 months from account opening. While you won’t get many perks with this card, you will earn 3x points on Marriott stays and score some solid travel and purchase protections.
Earn 60,000 Bonus Points and a Free Night Award (valued up to 50,000 points) after you spend $2,000 on purchases in your first 3 months from account opening.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
2X points for every $1 spent on purchases at grocery stores.
2X points for every $1 spent on rideshare and select food delivery.
2X points for every $1 spent on select streaming, and internet, cable and phone services.
1X point for every $1 spent on all other purchases.
Receive 5 Elite Night Credits annually, plus complimentary Silver Elite Status. Restrictions apply.
No Foreign Transaction Fees.
Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.
*The information related to the Marriott Bonvoy Bold® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
IHG One Rewards Traveler Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
3
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Sign-up bonus: Earn 80,000 bonus points (worth around $400*)
Earn 100,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Earn 10,000 bonus points after spending $10,000 each year
No foreign transaction fees
IHG points not as valuable as other hotel points
Fewer perks than other IHG cards
The IHG One Rewards Traveler Credit Card comes with some solid benefits and a valuable sign-up bonus, which is rare for a $0-annual-fee card. You’ll earn 100,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. That’s worth up to two nights at some IHG properties. Plus, you’ll get automatic Silver Elite status and the opportunity to earn 10,000 more bonus points after spending $10,000 in a year.
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
*The information related to the IHG One Rewards Traveler Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
What is a sign-up bonus on a credit card?
A sign-up bonus (sometimes called a welcome offer or welcome bonus) is an incentive offered by credit card issuers to motivate consumers to apply for a credit card. Sign-up bonuses usually come in the form of cash back, points or miles — however, there are some exceptions. For example, some hotel credit cards offer free nights instead of points, which can often be a greater value. Just keep in mind that most sign-up bonuses are earned, not given. Typically, you’ll need to spend a certain amount on the card within the first few months to earn your bonus.
How do credit card sign-up bonuses work?
Despite the name, a sign-up bonus isn’t earned when you sign up for the card. Once you’re approved for the card, you’ll typically have around three to six months — depending on the card issuer — to earn your sign-up bonus. The higher the bonus, the more you typically have to spend to earn it. Once you’ve hit the spend requirement, it can take anywhere from a few days to several weeks for the bonus to post to your account.
Note: Sign-up bonuses are all or nothing — if you don’t hit the spend requirement within the designated time frame, you’ll miss out on the bonus entirely.
How to choose the best credit card sign-up bonus
With so many options, choosing the best sign-up bonus credit card can be challenging. There are several important factors to consider, including the bonus type (cash back, points or miles) and qualifying restrictions. Here are a few steps you’ll want to follow when making your decision:
1. Make sure your credit history is up to par
First, look at the eligibility requirements of the cards that you are considering. Most sign-up bonus credit cards require a good credit score (a FICO Score of 670 or above) for approval. If your credit is lacking, you may want to consider a credit card to build credit to help you boost your score. While not as common, some of these cards offer sign-up bonuses as well.
Don’t know your credit score? Sign up for LendingTree Spring to get your free credit score and recommendations to boost your score.
2. Choose the type of rewards you want to earn
The next step is deciding what type of rewards you want to earn. As you’ll see in the table below, there’s something for everyone:
One of the most important things to consider when making your choice is the card’s annual fee. While some of our picks are free to carry, others come with annual fees that can take a huge chunk out of your bonus. For example, the Citi® / AAdvantage® Executive World Elite Mastercard®‘s bonus is worth around $1,800*, but its $595 annual fee brings the actual value down to $1,205. However, premium cards usually come with premium perks that can make up the difference. You just need to consider what’s more important in the long run.
Aside from your credit score and financial situation, many issuers have additional qualifying restrictions on sign-up bonuses. Even someone with perfect credit might open a card and meet a spending threshold just to learn that they weren’t qualified for the bonus. Major issuers typically put restrictions on earning sign-up bonuses to avoid credit card churning — the practice of repeatedly opening and closing credit cards with the intention of earning sign-up bonus rewards. Make sure that you always read the fine print of the offer before you apply.
Bank of America doesn’t note any restrictions specific to sign-up bonuses. However, you may not qualify for a card if you’ve had it within the past 24 months.
Chase has an unwritten 5/24 rule that prevents you from being approved for a new Chase card if you’ve opened five personal credit cards (from any issuer) within the past 24 months. In addition, if you’ve received a new cardmember bonus for a particular card (or card in the same family) within the past 24 months, you won’t be eligible to receive the current sign-up bonus for that card.
Wells Fargo doesn’t have any hard-and-fast rules when it comes to sign-up bonuses. However, you may not qualify for an additional Wells Fargo credit card if you’ve opened one in the past six months.
5. Calculate the value of the bonus
It’s crucial to understand the value of an offer before you apply. While cash back bonuses are fairly straightforward, the value of points and miles can vary dramatically depending on how you redeem them. For example, with Delta, 50,000 miles is worth around $550 in airfare because Delta miles valued around 1.1 cents each. It’s therefore important to estimate the point value and the overall value of the bonus based on how you intend to redeem the rewards in order to properly compare.
How to calculate the value of a sign-up bonus
To determine point/mile value, you’ll first need to take the cash value of your target redemption option and divide it by the number of points or miles — be sure to subtract any taxes and fees that you have to pay in cash.
Point value = $ value of target redemption option (minus taxes/fees) ÷ number of points Example: $500 plane ticket – $11.20 taxes ÷ 50,000 points = ~$0.01
Then, take the point value and multiply it by the number of points in the sign-up bonus. That will give you an approximate cash value for that card’s welcome offer.
Bonus value = $ value of points or miles x number of points or miles Example: 80,000 miles x $0.01 (1 cent per point) = $800
Frequently asked questions
The best cash back credit cards typically offer cash sign-up bonuses worth $200 or more. Just note that you’ll have to earn the bonus by meeting the offer’s spend requirement within the designated time frame (usually the first three months). For example, the Wells Fargo Active Cash® Card lets you earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
In most cases, credit card sign-up bonuses are not taxable. Since most welcome offers require you to spend a certain amount to earn the bonus, the IRS considers this a rebate rather than taxable income. But if you receive a bonus without a spend requirement, it may be taxable. If this is the case, you will need to submit a Form 1099-MISC to the IRS.
Choosing the best credit card sign-up bonus depends on whether you want to earn cash back, points or miles. Travel credit cards typically offer the highest bonus values in points or miles, but they also come with heftier spend requirements and annual fees that cut into your rewards. Cash back credit cards often lack an annual fee and offer lower sign-up bonuses that are easier to earn.
Methodology: How we chose the best sign-up bonuses
To select the best credit card sign-up bonuses for each of these categories, our experts compared a broad range of credit cards on LendingTree.com and major issuer sites, including cash back cards, travel cards, business cards and more. We chose our top picks based on a variety of factors:
Value of the card’s sign-up bonus
Type of rewards offered
Spending threshold required to earn the bonus
The card’s annual fee
The ongoing value of the card once the bonus has been earned
Other factors that come into play when making our selection include the variety of benefits the card offers, including insurance protections and travel perks.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
*To see rates & fees for Delta SkyMiles® Platinum American Express Card, please click here.
*To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
*To see rates & fees for Marriott Bonvoy Brilliant® American Express® Card, please click here.
*To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
*To see rates & fees for The Business Platinum Card® from American Express, please click here.
*To see rates & fees for Hilton Honors American Express Card, please click here.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the Capital One Savor Cash Rewards Credit Card, Chase Freedom Flex℠, Marriott Bonvoy Boundless® Credit Card, World of Hyatt Credit Card, Capital One Spark Cash Plus, Marriott Bonvoy Bold® Credit Card and Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Discover it® Cash Back, Chase Freedom Flex℠, Citi® / AAdvantage® Executive World Elite Mastercard®, Alaska Airlines Visa Signature® credit card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold American Express Card, Marriott Bonvoy Boundless® Credit Card, World of Hyatt Credit Card, IHG One Rewards Premier Credit Card, Marriott Bonvoy Bold® Credit Card, IHG One Rewards Traveler Credit Card and Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
Will Collicott
Will Collicott is a web content coordinator and writer at LendingTree, where he writes and updates credit card reviews, guides and comparisons.
Before joining LendingTree, Will worked as an editor at The History Press. He knows personal finance topics can be overwhelming, and even just choosing the right credit card can be a challenge. That’s why Will is dedicated to researching and reporting accurate and accessible content to help guide readers.
When not writing for LendingTree, Will is usually traveling, playing disc golf or picking on his guitar.
Specialties
Credit card product reviews
Credit card comparisons
Cash back cards
Balance transfer cards
Building credit
Achievements
7+ years of professional writing experience
Helped develop the process for updating LendingTree’s credit card content
Education
Bachelor of Arts, Coastal Carolina University
Will’s favorite credit cards
“I’m currently using the Citi Simplicity® Card to pay off a high-interest balance I transferred from an older card. I love this card because it has a reasonable balance transfer fee and gives you almost two years to pay off your balance. My everyday cards are the Wells Fargo Active Cash® Card and Amazon Prime Visa, which I use to earn cash back on every single purchase I make. Between these two cards, I usually earn over $700 each year!”