The 11 Most Lucrative Credit Card Signup Bonus Offers You Can Use Right Now

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There’s no quicker and easier way to earn a large amount of miles quickly than with a new credit card.

There are a bunch of new – and very big – credit card signup bonus offers out there, and some limited-time bonuses. This list is mostly new over the past 6 months. There’s a six figure bonus even, and we’ve seen 60,000 and 70,000 point offers end while there’s a new 75,000 mile offer.

Here are the 11 cards I consider to have the very best signup bonus offers right now:

  1. Ink Business Preferred℠ Credit Card has an 80,000 point signup bonus after $5000 spend within 3 months. That can even be enough for a roundtrip business class award ticket between the US and Europe. (Chase points are super valuable because they transfer directly to a variety of airlines and hotels.)

    It earns 3 points per dollar on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and 3 points per dollar on shipping and advertising on social media and search engines, so great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google. It also comes with $600 protection against theft or damage when you use it to buy your cell phone. ‘5/24’ applies.

  2. Chase Sapphire Preferred Card lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

    With a $0 annual fee the first year, then $95, I suggest that as the number on card to get started with in miles and points. Get Sapphire Reserve later, perhaps, the card’s annual fee makes this the one to get first.

    Points transfer to United, Hyatt, Southwest, British Airways, Virgin Atlantic, Singapore Airlines, Korean Air, Air France KLM, Marriott Rewards, IHG Rewards Club, and Ritz-Carlton. Probably the best all-around credit card, certainly for getting started in the hobby, and with a great signup bonus.

    The card earns two points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide. The card has an introductory Annual Fee of $0 the first year, then $95.

    best credit card bonus offers
    Transfer Points and Redeem for Singapore Airlines A380 Suites

    Since in general Chase doesn’t approve this card for folks who have signed up for 5 or more new card accounts in the past 24 months, it’s the first card you should apply for.

  3. Chase Sapphire Reserve Card 50,000 point signup bonus after $4000 spend within 3 months; triple points on travel and dining; Priority Pass Select membership with free guests; $300 travel credit make this new Visa Infinite card from Chase with a $450 annual fee the most exciting new entrant of the year.

  4. British Airways Visa Signature® Card was the first US credit card I’m aware of to ever offer a 100,000 point bonus in 2009.

    Their big bonus is back, and it’s structured as follows: 50,000 after $3,000 spend on purchases within the first 3 months from account opening; 25,000 after $10,000 total spend on purchases within your first year of account opening — for a total of 75,000 bonus Avios ($7000 additional spend on top of the first $3000 for 50,000 Avios.); an additional 25,000 after a total of $20,000 spend within your first year from account opening — for a total of 100,000 bonus Avios. (Offer expired)

    Chase’s 5/24 reportedly does not apply.

    British Airways First Class

  5. Citi® / AAdvantage® Executive World Elite™ Mastercard® 75,000 bonus miles after spending $7,500 in purchases within the first 3 months of account opening. (offer expired)

    The card comes with Admirals Club membership and lets you earn 10,000 elite qualifying miles after $40,000 spend in a year. That’s why I have the card.

    You also get priority check-in, screening, and boarding as well as first checked bag free on domestic itineraries (benefits apply to up to 8 travel companions on the same reservation as well). And there’s a $100 statement credit for Global Entry TSA PreCheck.

  6. The Platinum Card® from American Express offers 60,000 American Express Membership Rewards points after $5,000 in purchases in your first 3 months with the card.

    It’s also the card with the best benefits. The value proposition here is airline lounges and elite status. It comes with Hilton Gold, Starwood Gold (matches to Marriot Gold), and National Car Rental Executive status. It gets you into Centurion lounges, Delta lounges (when flying Delta), and gives you a Priority Pass card for lounge access. There’s a $200 airline fee credit, and an Uber credit up to $200. The card earns 5 points per dollar on purchases made directly with airlines. And this $550 annual fee card is now metal.

  7. Citi ThankYou® Premier Card is offering a 50,000 point signup bonus after $4000 in purchases on the card within your first 3 months of account opening. That’s up from the 30,000 point bonus that was offered on the card (for some time the main public offer had no signup bonus). (Offer expired)

    The Citi ThankYou Premier card has a $0 annual fee the first year, $95 thereafter. It’s a stronger points-earning card than the $450 annual fee Citi Prestige Card since it doesn’t just earn triple points on air and hotel (Prestige) but on all travel in addition to double points on dining out and entertainment. Points transfer one-to-one to a variety of frequent flyer programs or can be spent directly at 1.25 cents apiece towards airfare on any airline or at a penny apiece towards gift cards.

    Etihad A380 First Apartment, Etihad is a Citi Transfer Partner

  8. IHG® Rewards Club Select Credit Card has increased its signup bonus to let you earn 80,000 points after $1,000 spend on purchases in the first three months after account opening. (Offer expired) You also get 5000 bonus points when you add an authorized user and make a purchase within the same three-month period. 5/24 reportedly doesn’t apply folks with 5 or more new credit card accounts in the past 24 months should still be eligible for this card.

    This is a $0 annual fee the first year card, and $49 thereafter. This is arguably the best hotel credit card to get for the signup bonus and to keep for its ongoing benefits. You get an annual free night at card renewal and a 10% rebate on the points you spend up to 100,000 points per year.

    Intercontinental Boston

  9. Marriott Rewards® Premier Credit Card The signup bonus for this card lets you earn 80,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening. You can also earn 7,500 bonus points for adding an authorized user to the account and making a purchase within the same 3 month period. Now that Marriott points transfer to Starwood, it’s the biggest offer for Starwood points as well. The card gives you a Category 1-5 hotel free night stay every year after your account anniversary date, and 15 elite night credits just for having the product. (Offer expired)

    Starwood’s Al Maha Desert Resort – Base Room is a Standalone Villa With Private Pool

  10. Citi Prestige Card 75,000 bonus ThankYou® Points after you spend $7,500 in purchases within the first 3 months of account opening. There’s a $250 air travel credit which makes the card’s $450 annual fee go down much easier. The key benefit of the card is 4th night free on hotel bookings.

  11. Business Gold Rewards Card from American Express OPEN offers 50,000 Membership Rewards points after $5,000 spend on purchases with the card within your first 3 months of cardmembership.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Gary,

    appreciate your insight into this.

    i have the Chase Ink Business Preferred product for the cell phone coverage, i have five units, and three kids….so valuable benefit.

    it pays three points on travel, for an annual fee of $95.

    that had me thinking, i’m paying $450 annually for the CSR, but now only for the three points for restaurants, so looking for a three point no annual fee restaurant card.

    and found the Chase AARP offers 20K point sign up after $500 spend, no fee, and 3% cash back/ three points per $ spent on restaurant category.

    can i do any better, or is that the best solution?

    paying a lot of premium annual fees, trying to mitigate where possible.


  2. @Tim O’Brien – No annual fee Chase Ink Cash is 2x on dining, then transfer those points to Ink Business Preferred to be able to move them to airline miles and hotel points. Depends on price you put on value of miles. When comparing don’t forget the value of the CSR travel credit, but even with that I take your point.

  3. thanks Gary,

    i’m thinking of getting the no fee AARP for 3X points dining, and dropping the CSR, notwithstanding the $300 credit, it’s still $150 net annual cost with no more additional benefits than what i get from the others, via other Mileageplus Club card, the no fee Ink Business Cash, the Ink Business Preferred x3 travel, BA Visa, Amex Plat, Amex EDP, and Amex Blue Business Plus 2 point earn card. i think the Chase products alone cover all the other benefits the CSR offers.

  4. I gotta say, even though the Ritz Carlton card bonus is back to only 2 nights, I would think about adding it to this kind of list. I am finding myself using it way more than I ever expected to. The 3 club upgrades and $100 credits for 2 night stays have come in handier than I thought they would since everyone always disses the fact that you have to book a certain rate to use the upgrades, but the couple of times I’ve used/planned a 2 night stay, the rate to use the upgrades were similar to the flexible rate I was going to book anyway. And while I was nervous about the $300 travel credit being too difficult to use, it hasn’t really and I’ve used the Visa $100 airfare discount a couple of times too.

  5. @Rob.

    what are you finding the easiest for the travel credit?

    i find much more challenging than Amex Plat, with airlinet travel slush fund, and CSR gets absorbed with nearly everything.

  6. @ Tim O’Brien
    I haven’t discovered any unique ways to use the travel credit, I am just constantly surprised how many little fees I get hit with because I’m not paying attention. Used $50 and $50 on bag fees for my wife and child on a trip to Amsterdam not realizing the AA card I had only covered my own bag fees. Used $22 on 2 southwest award ticket fees, $19 on in flight wifi when my gogo passes wouldn’t work, and two $40 fees to upgrade a Southwest boarding priority on full flights we wanted to be sure to get on early, and I’ve got some $55 award cancellation fees coming up on BA for some hawaii awards I booked speculatively and can’t use now.

    I know all of these fees could have been avoided and I essentially paid for them, since the alternative was to find a way to monetize the travel credit through gift cards or something. But, with a buy schedule it was nice whenever I realized I goofed something up to know I could just charge it to the Ritz and get it back later. Kind of a psychological safety net. I was just surprised how often that kind of thing happened once I was paying attention.

  7. @Rob

    i get that, has worked well for you, but i tend to use amex plat for 5 x with the airlines, previously the CSR for 3 x.

    it wld be great if there was a solution to monetize the travel credit through airline slush fund, gift cards, or other etc ?

  8. Does the Marriott Biz card fall under the 5/34 nonsense? I’d love to apply for that but am way over 5/24.

  9. @Tim
    Yeah, I don’t put my airfare on the Ritz card either, just weird fees that I know will trigger the credit. I actually haven’t been using the Platinum 5x because I hate that there is no Trip Cancellation or Trip Delay coverage. Travelling with family means wife may have work issues pop up or child may get sick. So I usually charge airfare to Sapphire Reserve or Prestige because an Allianz insurance policy usually runs about $280 for a trip every time I check. On say 3k of airfare I can get 15k Amex points (worth $300 to me) or 9k UR points ($180) plus $280 of travel insurance included for free.

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