The 12 Best Credit Card Signup Bonuses 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. And before the holidays is the perfect time to get one, because it’s even easier than the rest of the year to meet the minimum spending required to earn signup bonuses.

Every month I post what I find are the best signup bonus offers out there. Over the past several months we’ve seen several new cards and new offers. Right now there’s incredible competition to get your attention and encourage you to sign up for very rich offers. How can we say no?

Here are the 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, JetBlue, 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

    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. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: 70,000 mile initial bonus after spending $4,000 within the first 4 months of account opening. This card has a $0 annual fee the first year (then $95). [Offer expired]

    Cardmembers receive one free checked bag and preferred boarding on American Airlines flights and a companion ticket after $30,000 in spend each year. The 60,000 point offer is gone from both the Citi and Barclays personal AAdvantage cards so I’m surprised to see this Citi bumping up their bonus to a best-ever offer.

  4. British Airways Visa Signature® Card is offering a signup bonus of up to 100,000 Avios:

      Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year of account opening for a total of 75,000 bonus Avios. Earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios.

    If you spend $30,000 in a calendar year to earn a Travel Together Ticket good for two years which can double the value of your Avios on a single redemption for 2 people.

    Chase’s 5/24 reportedly does not apply. There are similar offers for the Aer Lingus and Iberia versions of this card.


    British Airways First Class

  5. Citi ThankYou® Premier Card recently had no signup bonus at all but is now offering 60,000 points after $4000 spend within your first 3 months of cardmembership.

    The card’s $95 annual fee is waived for the first 12 months. It earns triple points on travel including gas stations and double points on dining out and entertainment.

    Points transfer to a variety of airline frequent flyer programs (or can be used to purchase airfare directly at thankyou.com at 1.25 cents apiece). They can also be used for gift cards at 1 cent apiece.

  6. 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.


    American Express Points Transfer Directly to Etihad

  7. The World Of Hyatt Credit Card has a limited-time offer of up to 60,000 points with this card. You earn 40,000 points after $3000 in spend on purchases in the first 3 months from account open and an additional 20,000 points if you spend $6000 total within the first 6 months.

    And 60,000 points is enough for 2 free nights at any Hyatt hotel except for all-inclusive Miraval. (Or 12 nights at category 1 properties.)

    You receive a category 1-4 free night each year with your cardmember anniversary, and each year you spend $15,000 on the card you receive another category 1-4 free night. Most Hyatt properties fall into these categories.

    I have and am spending on the card to earn credit towards my elite status. The card comes with 5 elite nights an every $5000 spend earns an additional two elite night credits.


    Andaz Papagayo Costa Rica

  8. Southwest Rapid Rewards® Premier Business Credit Card has an offer to earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

    You earn 6,000 bonus points after your cardmember anniversary, a nice incentive to keep this $99 annual fee card.

    While you can no longer get two different personal Southwest cards, you may be approved for a personal and a small business card, the fasted way to a Southwest Companion Pass which is earned after 110,000 points in a year (credit card points including signup bonus points count).

  9. Starwood Preferred Guest® Business Credit Card from American Express has an initial bonus of 100,000 points after you use your new Card to make $5,000 in purchases within the first 3 months of cardmembership. This is a limited-time offer that ends October 31, 2018. The card has a $0 introductory annual fee for the first year, then $95

    A big new benefit is that the card comes with a Free Night Award every year after your Card account anniversary. The card comes with complimentary Silver Elite status and $35,000 spend on eligible purchases on your Card in a calendar year earns an upgrade to Gold Elite status through the end of the next calendar year.

  10. IHG® Rewards Club Premier Credit Card has an initial bonus offer of 100,000 points after $3000 spend within 3 months and 5,000 points after you add your first authorized user and make a purchase in the first three months.

    The card comes with Platinum status, a free night after each account anniversary year, and a free reward night on points stays of 4 or more nights. (That’s better than the ‘5th night free’ from Starwood and from Hilton, and amounts to a 25% discount on four night award stays.)


    Intercontinental Singapore

  11. Citi® / AAdvantage® Executive World Elite™ Mastercard® is offering 75,000 miles after $7500 spend within the first 3 months of cardmembership. This card comes with American Airlines Club membership — and it offers authorized user cards at no additional annual fee. Authorized users get access to American Airlines clubs as well. $40,000 spend on purchases that post to your account during a calendar year earns 10,000 elite qualifying miles. The card’s annual fee is $450.

  12. New! Ink Business Unlimited(SM) Credit Card is included here because while its initial bonus is $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening, the value of the bonus shoots up if you have a Chase card whose points transfer to miles like Chase Sapphire Preferred.

    Transfer these points to that other Chase card and then those points transfer to miles. And it’s a no annual fee card that earns unlimited 1.5 points per dollar for ongoing spend.

Think there’s a card that belongs on this list but isn’t here, leave a comment!

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 InsideFlyer.com, 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.

Comments

  1. Too bad you didn’t wait a few days to make this list so you could add the 150k Hilton Aspire to the list since you don’t have a referral link to that bobo yet…. even though it’s already available

  2. Points have different values at different airlines/hotels so it’s hard to determine the actual value across each of these offers. Would be really helpful to also list a cash value of the points relative to the annual fee to put these on a level playing field.

  3. @Kevin Hilton points aren’t worth much and it’s an expensive card, it’s a good card for someone who stays at Hilton but not a top card for bonus alone IMHO but I value Hilton points less than some like the Points Guy do…

  4. &Paul B. Yes 5/24 counts when applying, but if you are below 5/24 and get the card, the card itself won’t affect your 5/24 status. So if you were 3/24 and applied you would get approved and still be 3/24 afterwards. But if you were 6/24 and applied you wouldn’t qualify.

  5. I think I am at 3/24 and want to add 2 chase cards. I am confused as to what to add. I have the Chase preferred now. I was thinking the Ink Biz Preferred but what about the Ink unlimited or the Freedom unlimited as the second one? I find it all very confusing, thanks for advice.

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