Best credit card bonuses

The card begins enhancing your travel before you even leave the house. This perk is otherwise reserved for those with elite status, and it can potentially save you many tens of thousands of miles during a single trip. The card even comes with one free checked bag for you and a companion on your reservation.

You must pay with the card to receive this benefit. These programs offer varying degrees of expedited airport security.

All three allow you to speed through TSA security checkpoints without removing your shoes or jacket. You even get to keep your laptop in your bag.

The card confers preferred boarding, too. However, those other cards become all but useless after that window closes. Even better, this card earns Citi ThankYou points which can be redeemed at 1 cent per point instead of cash.

To boot, the card offers waived foreign transaction fees and statement credits to reimburse the cost of Uber One membership through Nov.

To open a Capital One student credit card, you must be enrolled in a higher education institution think an accredited university or community college —or at the very least admitted with intent to enroll within the next three months. You can then transfer these points to airline and hotel partners such as Singapore Airlines, Avianca, and Choice Privileges for free travel.

The charm of a starter credit card is that those with poor or zero credit can be approved. It earns:. The card also reviews your credit usage and considers you for an automatic credit line increase in as little as six months.

You can convert the cash back you earn with this card into Capital One miles , which can be transferred to airline and hotel partners for free travel.

Just realize that APR only triggers if you fail to pay your full statement balance each month. The card offers free Uber One membership in the form of monthly statement credits through Nov. You can then transfer your rewards to airline and hotel loyalty programs that partner with Capital One.

Why we chose it : There are a lot of Visa credit cards out there. As you can see, this card justifies its annual fee better than just about any other Visa card out there.

Its earning rates are noteworthy, too. You can use Capital One miles for free flights and hotel stays by transferring to partners such as Avianca, British Airways, and Singapore Airlines. The only exception is gas purchased at a supermarket, superstore, convenience store, or warehouse club except Costco.

That covers the bases for most cardholders. You can get 3x points on nearly everything. And you can convert these points to 16 airline and hotel currencies including Turkish Airlines, JetBlue, and Wyndham.

If you know how to wield them, you could receive a value around 2 cents per point or more. The only caveat is that not all stores that sell groceries are considered supermarkets.

Keep that in mind when tallying up your yearly earnings. Enrollment is required for both of these benefits. When selecting the top rewards credit cards, we first identified the most popular credit card categories:. In each of these categories, we weighed the highest-performing options against each other to determine which products offered the best mix of return rate, welcome bonus, ongoing benefits, and annual fee.

We generally recommend anyone with a credit score below not apply for rewards credit cards. There are two reasons:. Figure out what you want it to accomplish for you.

Is your primary goal to earn cash back? Do you want to travel to Europe for pennies on the dollar? Do you have a small business with expenses that you want to sequester from your personal expenses? Do you simply want to build credit?

Standout rewards : Capital One Savor Cash Rewards card members earn bonus cash back on dining, entertainment , streaming services and at grocery stores. No matter how you like to unwind, this card can make it more affordable.

Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Read our The Platinum Card® from American Express review. The Platinum Card® from American Express is a top-tier premium credit card , that's loaded with all sorts of perks.

Standout rewards : If you want access to airport lounges, the Amex Platinum card is hard to beat. Cardholders get access to Priority Pass lounges, American Express Centurion Lounges , Plaza Premium lounges, Lufthansa lounges, Escape Lounges and Delta Sky Clubs.

The American Express® Gold Card offers a stellar for dining, grocery and travel purchases, as well as statement credits that can almost entirely offset its annual fee see rates and fees. You'll get the most value from your Membership Rewards points when redeeming for travel through transfer partners.

com, Milk Bar and select Shake Shack locations enrollment required. Gold Card members can also participate in Amex Offers, which allow targeted cardholders to earn statement credits or bonus Membership Rewards® points at select retailers. These limited-time offers are location-based and additional terms apply.

The best way to use Amex points is to transfer them to an airline or hotel partner to book travel, but they can also be redeemed for statement credits, gift cards, and when checking out at retailers like Amazon.

The Capital One Venture Rewards Credit Card is a versatile and rewarding travel card with a welcome bonus that's worth taking a closer look at. Capital One miles can be used to book flights, hotels, rental cars and more directly through Capital One Travel , or to offset recent travel purchases at a fixed value of one cent per point.

Alternatively, they can be transferred to various hotel and airline partners including Accor Live Limitless, Air Canada Aeroplan, Etihad Guest and others to get even more value from your miles.

Refer to your Guide to Benefits for more details. The Chase Freedom Unlimited® Card earns a minimum of 1. Earn an additional 1. Freedom Unlimited cardholders receive three free months of DoorDash DashPass , which comes with reduced fees activate by Dec. The Chase Sapphire Reserve® is loaded with luxury perks and valuable ongoing benefits that can easily make the annual fee worth it.

This is a good way to boost the value of your Chase points. You can also take advantage of one year of free DashPass activate by Dec. Anyone who prefers to earn cash-back rewards will want to consider the Blue Cash Preferred® Card from American Express. Cardholders can also potentially save money on their purchases by taking advantage of Amex Offers.

The Citi Double Cash® Card is a straightforward no-annual-fee cash-back card. After the intro period ends, there's a The Prime Visa has no foreign transaction fees, purchase protection and extended warranty protection.

It also has valuable travel insurance including, baggage delay insurance, lost luggage reimbursement and rental car coverage. Cardholders can also enroll for three complimentary months of DashPass activate by Dec. The Chase Sapphire Preferred® Card is an incredibly flexible travel rewards credit card that comes with useful travel and shopping protections, plus a modest annual fee.

If you earned 50, points from purchases, at the end of that year you'd receive a 5,point bonus. Cardholders can also enroll to receive one year of free DashPass membership activate by Dec.

The Citi Simplicity® Card doesn't offer any rewards but can help you pass less credit card interest. The Wells Fargo Reflect® Card is hard to beat if you want to pay less interest and pay down credit card debt faster. If you pay your monthly cell phone bill with this card, you can qualify for cell phone protection.

The Discover it® Student Cash Back card is an unusually rewarding credit card for students. You'll need to be an eligible student to qualify for this card, but it is available even if you have poor credit or a limited credit history.

Students traveling overseas can take advantage of no foreign transaction fees. The Discover it® Secured Credit Card is easier to qualify for because it requires an upfront deposit.

Plus, it has a generous rewards structure for a secured credit card. However, after seven months, Discover will automatically review your account to see if you qualify for an upgrade to an unsecured credit card. This card has no foreign transaction fees. The Capital One Savor Cash Rewards Credit Card is one of the most rewarding options for earning cash back in categories such as entertainment and dining.

Through Nov. This card also has no foreign transaction fees and grants you access to exclusive events and experiences through Capital One Entertainment and Capital One Dining.

The Platinum Card® from American Express is a premium credit card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more.

On top of excellent airport lounge access, cardholders can enroll for Marriott Bonvoy Gold status, Hilton Honors Gold status and rental car perks with National, Avis and Hertz.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress. Rewards credit cards come in all shapes and sizes, so it's important to take some time to choose the card that best matches your spending habits.

You want a card that will reward you for your everyday purchases without having to adjust your spending to maximize card rewards. You should decide if you're willing to pay an annual fee for a card since this can help narrow down choices.

Make sure you do the math to see if an annual fee is within your budget and if it can be outweighed by the card's benefits. Don't want to pay your credit card's annual fee? Here's how to ask for a retention offer. Next, you should figure out what type of rewards you want to earn and if you want a simple rewards program or one that may require some work.

If you want a straightforward card, some generic rewards cards offer the same amount of rewards on all purchases, which require little planning. Here's how credit card issuers classify purchases for bonus rewards. It's also a good idea to consider the card's welcome offer. Some of the best rewards credit cards come with large welcome bonuses for new cardholders worth hundreds of dollars.

Learn more: How to choose the best credit card in 3 easy steps. There are several different kinds of rewards cards. Rewards credit cards typically provide one of three reward structures: cash back, points or miles.

The way you earn and redeem rewards varies based on the type of credit card you open. In addition to the value of cash back, points and miles varying, redemption options also fluctuate. You may be able to redeem for a statement credit, travel, gift card, merchandise or more, depending on the card you have.

To make the most of your rewards card, you should familiarize yourself with the benefits and fees. Take note of any annual fees and the APR associated with your account, as well as the rewards rates and added perks, such as annual statement credits.

Once you're familiar with the terms of your card, you can start to take full advantage of them. If you have multiple credit cards , consider the rewards offered by each card before deciding which to use. Let's say you have the Citi Double Cash® Card and Chase Sapphire Reserve®.

Finally, pay attention to reward values when choosing redemption options. While rewards on cash-back credit cards maintain consistent value no matter how you spend them, that's rarely the case with travel rewards credit cards.

Often, travel rewards are worth less if redeemed on non-travel purchases. On the other hand, if you transfer your rewards points or miles to one of the eligible loyalty programs your card issuer partners with, you can sometimes increase the value of your points.

A rewards credit card lets you earn cash back, points or miles when making purchases with that card. Beyond rewards, these cards sometimes come with additional perks like travel and purchase protections.

Whether a rewards credit card would be a good addition to your wallet depends on whether it fits your spending habits and how you're going to use it. For example, if you're going to carry a balance, even the best rewards credit cards won't be worth it for you. High interest rates will negate the value of any rewards that you earn.

Secondly, think about how complex you want your credit card strategy to be. If you find chasing the best value exciting and don't mind putting some thought into managing your cards, a rewards card with bonus rewards or rotating categories may be a good fit.

If that sounds too complicated, you might do better with a flat-rate rewards card earning the same cash-back rate on everything you buy. Finally, ensure that the card's bonus categories match your everyday spending. For co-branded airline cards, the Aeroplan® Card has one of the highest estimated sign-up bonus values, and for co-branded hotel cards, it would be the Marriott Bonvoy Boundless® Credit Card.

The Citi Premier® Card provides one of the highest estimated sign-up bonus value in travel points along with additional benefits like annual hotel credit and access to Citi Concierge and Entertainment. Discover stands out with its generous Cashback MatchTM offer for new cardholders in their first year.

Since all Discover cards have the Cashback Match offer, the best card overall will depend on your specific needs — however, the Discover it® Cash Back would be a good fit for most potential cardholders. Wells Fargo only offers a small variety of credit cards tailored for different needs, such as the Wells Fargo Active Cash® Card, which has a flat-rate rewards structure and no annual fee.

However, the Wells Fargo AutographSM Card outperforms the Active Cash Card and the rest in terms of having one of the highest estimated sign-up bonus values, as well as having a more appealing bonus category rewards structure for everyday spending such as gas stations, restaurants, travel purchases and more.

By exploring the sign-up bonuses offered by these issuers and others in the market, you can find a credit card that aligns with your financial goals and provides excellent rewards right from the start. Sign-up bonuses are typically distributed as additional cash back, points or miles.

However, there are also other types of welcome offers to watch for that can be just as valuable — if not more so. These offers are quite common and let you earn a set amount of cash back or number of miles or points based on a specific spending requirement.

A two-stage bonus usually operates like a traditional sign-up bonus, providing a typical bonus value and spending requirement within the first three months. However, you may be able to double that value by reaching a larger total spend within the first six months.

An offer like this is more likely among store credit cards, such as the Amazon gift card usually granted with the Prime Visa card. Like an increased rewards rate offer, a credit card may occasionally offer an additional bonus category to add to your current roster for a set period or until you reach a certain spending threshold.

There are several cases of major credit cards offering a valuable perk like statement credits or complimentary elite loyalty status such as for a hotel or airline brand instead of bonus cash back, points or miles. Since an offer like this could save you thousands, it can be much more valuable than a typical sign-up bonus.

When considering a credit card with a sign-up bonus, be especially mindful of the spending requirement and how it will impact your budget. For example, if you love travel and want to earn points toward travel rewards, then you'll want to look for a card that offers a sign-up bonus with generous points or miles values.

But if you're more interested in cash back rewards, then you might want to focus more on the cash back redemption value of the sign-up bonus. It isn't just about choosing between rewards programs or deciding what kind of perks appeal to you — it's also about finding a card that fits your budget and meets your financial goals.

Calculating a cash back sign-up bonus is straightforward since the dollar amount is already determined. However, the most important factor is whether the spending requirement and timeline fit your budget.

Determining the value of a point- or mile-based sign-up bonus may take more legwork. With a travel card, your points or miles will almost always be best used toward travel, either through the issuer's portal or after transferring to a hotel or airline partner.

In fact, you may squeeze more value out of your rewards by transferring to a partner program instead of redeeming for travel with the issuer.

N on-travel options like gift cards and merchandise typically yield the least value. In the best-case scenario, your rewards program terms will clarify how much your rewards are worth when redeemed in different ways. Some issuers, like American Express, even offer a redemption value calculator.

com or PayPal purchases. But they could be worth even more if you find the right airline or hotel transfer partner.

By multiplying these point values by your sign-up bonus of 60, points, you can get a sense of how much the bonus is worth:. However, it may be more helpful to multiply the 3 percent rate by your grocery budget for the next six months.

If you're looking for a way to maximize your credit card sign-up bonus, there are a few things you should keep in mind. First, you should keep an eye out for any promotional offers or limited-time bonuses that may enhance your sign-up bonus even further.

Credit card issuers often run special promotions throughout the year that can boost the value of their credit card rewards programs.

Another effective strategy is utilizing smart spending techniques such as consolidating large purchases during this period or using supplementary authorized users who can help meet minimum spending requirements faster. Lastly, it's essential to use credit responsibly by making timely payments and staying within your budget.

While sign-up bonuses can be attractive incentives, they should not be the sole reason for choosing a credit card.

Consider all aspects of the offer before making a decision that suits your financial goals and needs, and always remember to manage your credit responsibly by paying off balances in full each month and keeping track of any annual fees or additional fees associated with maintaining one or multiple cards.

Credit card sign-up bonuses are a great way to earn extra rewards on your purchases. But is it worth keeping the card after you have earned the bonus?

To protect your credit score, you should plan to keep the card open. You should also look for recurring benefits, such as annual credits, to make sure that the card maintains its value beyond the sign-up bonus. If a card carries an annual fee but has short-term value, one option is to downgrade to a no-annual-fee card , if possible.

Some issuers have upgraded their sign-up bonuses for their cards just in time for winter travel. With travel prices increasing, a strong sign-up bonus can help recoup some of your expenses. This is especially true with travel cards, which often have the best bonuses and redemptions for airfare and hotels.

Former Bankrate expert Meredith Hoffman navigates the top strategies for using a sign-up bonus to fund your trip , how long a bonus may take to earn and the best credit cards and rewards programs for getting you to your destination.

When evaluating the best credit card for sign-up bonuses, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest.

We analyzed over of the most popular credit cards and selected standouts with sign-up bonuses. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category. The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value.

However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

Along with rewards value and cost, we consider other factors that could give cards great long-term value, like flexible rewards redemption and especially unique and valuable perks. These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards.

We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners. Cards that offer top-tier benefits like airport lounge access or travel credits are likely to stand out, but we also aim to highlight cards that offer valuable under-the-radar perks, like cellphone protection or one-off credits for everyday expenses like dining and streaming services.

Sign-up bonuses are fabulous. They enable you to earn cash back, points, or miles after you hit the minimum spend. However, many credit card companies have rules in place that prevent you from earning the bonus each time you open a new account with them.

Still, even with an attractive bonus, you should only pursue the credit cards you need and will use. After all, every card you have must be managed, so if you have too many, you may unnecessarily complicate your life! First, frequent hard pulls of your credit report, which are required as part of a new account application process, may lower your score.

Second, having too many accounts with a short length of credit history, may also have a negative effect. Many banks have also instituted rules about frequent bonus earning. Every reasonable effort has been made to maintain accurate information.

However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty.

Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval. No credit hits. Your personal information and data are protected with bit encryption.

That means:. All of your personal information is protected with bit encryption. Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile. Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible.

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income. Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull.

We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for. Your information is protected by bit encryption. A soft credit pull will not affect your credit score.

Last step! Once you enter your email and agree to terms:. Your approval odds will be calculated. A personalized list of cards ranked by order of approval will appear. Your odds will display on each card tile.

Enter your email address to activate your approval odds and get updates about future card offers. You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results.

You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. To apply for a product you will need to submit an application directly with that provider.

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This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds. Before you apply You get:. Access to special card offers from top issuers in our network. You can check out other cards that are a better fit.

Credit Cards Sign Up Bonus Advertiser Disclosure Advertiser Disclosure Bankrate. India Davis. Written by India Davis Arrow Right Editor, Credit Cards.

Tracy Stewart. Edited by Tracy Stewart Arrow Right Senior Editor, Credit Cards. Erica Sandberg. Reviewed by Erica Sandberg Arrow Right Contributor, Credit Cards.

Twitter Linkedin About our review board. Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped put over , cards in people's wallets in Circle Check Match to cards with approval odds and apply with confidence.

There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus

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2024 BEST CREDIT CARDS 💳 Best Cash Back Credit Cards + Best Travel Credit Cards + New To Credit ...

The Capital One Venture Rewards Credit Card is ideal if you're seeing an excellent intro bonus offer with a manageable spending requirement and Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus What We Like: The best credit card sign-up bonus is the Chase Sapphire Preferred® Card's offer of 60, points, worth up to $ in travel: Best credit card bonuses
















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Here are some of bonhses biggest bonuses available with a new business card:. Why we're asking Your financial information, Enhanced security features annual income and employment Best credit card bonuses, helps us better understand your credit bonudes and provide crexit accurate approval odds. Carc Stooksbury Editor-in-Chief Best credit card bonuses Visited: 44 U. Plus, the card is also a great fit for traveling business owners who are looking for a premium credit card that offers the best airport lounge accessexpedited security screening through Global Entry and CLEAR Plusand helpful annual statement credits with companies including DellIndeedand Adobe enrollment required. You can then redeem your bonus however and whenever you want. You can even earn travel rewards with Bask Bank, which awards American Airlines miles instead of cash back. Best for starter travel card. data points analyzed. Are credit card annual fees worth it? Read our Citi Simplicity® Card review. At Bankrate we strive to help you make smarter financial decisions. Credit Cards. There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus What We Like: The best credit card sign-up bonus is the Chase Sapphire Preferred® Card's offer of 60, points, worth up to $ in travel Best Credit Cards With Sign-up Bonuses of February · IHG One Rewards Premier Credit Card: Best feature: Annual hotel night bonus. · Chase Sapphire Welcome offers make it faster and easier to earn credit card rewards. While every welcome offer is different, most of them can be earned by There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus Best credit card bonuses
Welcome offer. It's the same Swift cash solutions bonus offers. On the cwrd hand, if you transfer your rewards points or rcedit to one bonuxes the eligible loyalty programs your card issuer partners with, you can sometimes increase the value of your points. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. The Platinum Card ® from American Express. Find the right savings account for you. American AAdvantage miles can be redeemed for flights to more than 1, destinations around the world, seat upgrades to a premium cabin, an Admirals Club airport lounge membership, and a handful of other options. The Business Platinum Card® from American Express. Introductory APR offers will allow a free pass on incurring interest for any balances held during that period. Cons Weak on travel and everyday spending bonus categories Not as effective for those living outside the U. Picking the right rewards credit card may feel overwhelming. There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus Why we like it: Capital One Venture is a travel credit card that's easy to maximize no matter where you spend most. With 2x miles on every Welcome offers make it faster and easier to earn credit card rewards. While every welcome offer is different, most of them can be earned by Best credit cards of February · Browse by card categories · Chase Sapphire Preferred® Card · Capital One Venture Rewards Credit Card · American Earn $+ bonus simply just by applying for the correct credit cards! Here are the best credit cards offers, updated in real time! What We Like: The best credit card sign-up bonus is the Chase Sapphire Preferred® Card's offer of 60, points, worth up to $ in travel The best sign-up bonus credit cards offer bonuses worth up to $ in cash back or travel rewards. Check out the top welcome offer and Best credit card bonuses

Best credit card bonuses - The best credit card sign-up bonuses can be worth $ or more. Find out which cards offer them and how to qualify There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Credit Cards. Which Cash-Back Credit Cards Offer a Good Welcome Bonus? Follow the writers. MORE LIKE THIS Credit Cards Cash Back Credit Cards. Who doesn't want to be rewarded? Create a NerdWallet account for personalized recommendations, and find the card that rewards you the most for your spending.

GET STARTED. Cash bonuses with annual fee. NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. Read Review. Blue Cash Preferred® Card from American Express. Apply Now. Cash bonuses, no annual fee.

Wells Fargo Active Cash® Card. Bank Altitude® Go Visa Signature® Card. Citi Custom Cash® Card. It mostly boils down to a division of labor. Each party is responsible for different jobs that keep your credit card working. The primary functions of a card network, such as Visa or Mastercard, include setting the interchange fees commonly known as swipe fees and building out a payment infrastructure so more merchants can accept their cards.

American Express and Discover are unique in that they are both issuers and networks, so they fulfill duties for both. Cobranded credit cards earn rewards with a specific brand that has struck a marketing agreement with an issuer. These cards also tend to offer brand-specific perks, such as an anniversary free night or elite status with a hotel, free checked bags and priority boarding with an airline, or statement credits for shopping with the specific merchant.

Private label credit cards, commonly referred to as store credit cards, are limited to usage at one specific store.

There is no right or wrong answer to how many credit cards you should have. It all depends on your spending habits and financial goals. Some TPG staffers have more than 20 credit cards , while others only hold a few.

Generally, this means having cards that earn bonus rewards in the categories you spend the most in each month and at least one card that earns a decent rewards rate on non-bonus spending. Additionally, many keep cards for the perks they offer.

Credit card companies offer different kinds of cards to meet different consumer needs. Some people put a lot of money on their cards every month and then pay them off immediately — those people benefit from a card that returns a portion of their spending in the form of rewards.

Still, others are working to improve their credit — issuers have cards designed for those consumers, too. Those earnings are typically pooled into an online account, but the exact redemption method varies. On some cards, you redeem them as a statement credit against your outstanding balance, while others allow direct deposits into your bank account.

Some even do this automatically for you. These cards earn points linked to a specific bank or issuer like Chase or American Express. The rewards you earn can then be used in a variety of ways, including for gift cards, travel purchases or even cash back. However, many popular travel cards also allow you to transfer your rewards to a selection of airlines and hotel programs, depending on the partnerships of each bank or issuer.

This is where you have the potential for huge value. Airline cobranded cards earn a specific type of airline miles. These cards also generally come with perks specific to that airline.

For example, an airline card may offer free checked bags , a certain number of elite qualifying miles to help you reach status, priority boarding privileges, inflight discounts and more. Hotel cobranded cards work like airline cards.

Hotel cards come with their own benefits, such as complimentary elite status or free award night stays. While we recommend never carrying a balance on a credit card, there are times when a large purchase or emergency situation arises. These cards offer a set introductory period of zero interest on new purchases, balance transfers or sometimes both.

This can help finance one-time purchases, such as getting a new roof or remodeling the bathroom, or allow you to transfer a balance from a high-APR card with another bank and enjoy a year or more of no additional interest.

Instead, you should treat this like one element of your emergency fund and only tap into it when necessary. Though we advise against carrying a balance, if you need to pay down debt, a low-interest card can help you save money and pay down your balance faster. Building credit as a college student is an essential life step on the path to learning financial responsibility.

For the most part, student credit cards work the same as other credit cards. However, you can qualify for cards with no annual fees that are made exclusively for college students looking to start building credit. A business credit card can help you maximize your purchases, separate your expenses and save money on interest each year.

These business credit cards offer bonus rewards on categories popular with small businesses, such as office supplies, airfare , advertising and gas. In fact, business-specific bonus categories are one of the main ways that business credit cards differ from personal credit cards, but you need to do your research before applying for a small-business credit card.

While business cards often offer tailored bonus categories and additional benefits for business owners, they also have fewer consumer protections than personal credit cards. Everyone is new to credit at some point in time. In those instances, you may want to use a secured credit card while you work to improve your credit.

A secured credit card is a card that requires a security deposit from the cardholder when the account is opened. This security deposit is usually refundable and determines your initial credit limit.

A secured credit card is a stepping stone to an unsecured or traditional rewards credit card. We all have different spending habits, changing financial goals and priorities, varying budgets and disparate levels of access to credit as a whole. Ultimately, the best credit card is subjective and largely based on your habits and priorities.

There are hundreds of credit cards available from many different credit card companies, each with its own advantages and disadvantages. For instance, you might find a card with a strong balance transfer offer but no rewards, while the best travel cards typically incur annual fees.

Rather than focus on the best credit card company, the key is to understand your individual needs and what cards you can qualify for based on your credit profile. Once you know those, you can then pick the best credit card that meets those requirements.

The vast majority of credit cards allow you to apply online. Some issuers, such as Amex, may expedite the new credit card for you so you receive it within a couple of days after approval, especially if the card carries a high annual fee.

With other issuers, it may take up to two weeks before your new card arrives. Some may only want one in order to simplify the management process, whereas others have five, 10 or even more.

However, regardless of whether you have three cards or 13 cards, the same rules apply. Never spend beyond your means, and ensure you pay all of your balances in full and on time every month.

However, adding a new credit card to your arsenal can have some very significant positive impacts on your score.

It depends. Many cards with annual fees offer bonus rewards on select purchases along with lucrative perks like travel credits, airport lounge access or even automatic elite status. However, you should only pay an annual fee on a credit card if you get at least that much value out of the card every year.

Skip to content. Advertiser disclosure. Credit Cards. By Nick Ewen. Nick Ewen Director of Content. Nick Ewen is a director of content and helps readers leverage credit cards he has 23 of them and loyalty programs to travel more for less.

He's been at TPG for over 11 years. and Christina Ly. Christina Ly Credit Cards Writer. Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in Edited by Matt Moffitt. Matt Moffitt Senior credit cards editor.

Matt Moffitt is TPG's senior credit cards editor and an expert in getting the most out of credit cards and points. He has at least 25 cards in his wallet at any given time. Originally from Sydney, he won the green card lottery and has been based in Austin since Reviewed by Stanley Sanford.

Stanley Sanford Senior Compliance Associate. Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to He's reviewed content for several reputable sites, including CreditCards. com, Bankrate, CNET. and even thepointsguy.

com before leading the compliance team for The Points Guy full time in early Updated Feb. At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most.

While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own. Chase Sapphire Preferred® Card : Best for beginner travelers.

Capital One Venture Rewards Credit Card : Best for non-bonus spending. American Express® Gold Card : Best for dining at restaurants. The Platinum Card® from American Express : Best for luxury benefits.

Capital One Venture X Rewards Credit Card : Best for premium travel. Ink Business Preferred® Credit Card : Best for bonus earning.

Citi Premier® Card : Best for starter travel card. Capital One VentureOne Rewards Credit Card : Best for travel rewards with no annual fee. The Business Platinum Card® from American Express : Best for all around business card.

Citi Custom Cash® Card : Best for flexible cash back. Blue Cash Preferred® Card from American Express : Best for U.

American Express® Business Gold Card : Best for flexible rewards earning. Delta SkyMiles® Gold American Express Card : Best for casual Delta flyers. Capital One Quicksilver Cash Rewards Credit Card : Best for simple cash back.

Citi Double Cash® Card : Best for simple cash back. Browse by card categories Travel. Cash Back. No Annual Fee. Best overall. Best for beginner travelers. Chase Sapphire Preferred® Card. Compare this card. Apply now. at Chase's secure site.

Rewards rate 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining. Annual Fee. Regular APR. Recommended Credit Open Credit score description Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. VIEW MORE. The current sign-up bonus on this card is quite generous. Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Member FDIC. Best for non-bonus spending. Capital One Venture Rewards Credit Card. at Capital One's secure site. Rewards rate 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

Why We Chose It When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. Cons A couple of partners' transfer ratios are mediocre at a less than ratio Capital One airline partners do not include any large U.

Best for airlines See all airline cards. Best for dining at restaurants. American Express® Gold Card. at American Express's secure site. Rewards rate 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Pros 4 points per dollar on dining at restaurants and U. Cons Weak on travel and everyday spending bonus categories Not as effective for those living outside the U.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel. com, Milk Bar and select Shake Shack locations. Experience credit varies by property.

Choose the color that suits your style. Gold or Rose Gold. No Foreign Transaction Fees. Terms Apply. Best for travel See travel cards.

Best for luxury benefits. The Platinum Card® from American Express. Why We Chose It The Amex Platinum is unmatched when it comes to travel perks and benefits. Pros The current welcome offer on this card is quite lucrative.

The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. The Hotel Collection requires a minimum two-night stay. Plus Up Benefits are excluded. Uber Cash and Uber VIP status is available to Basic Card Member only.

Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. com on your Platinum Card®. Must charge full price of bike in one transaction.

Shipping available in the contiguous U. Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.

Best for premium travel. Capital One Venture X Rewards Credit Card. Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.

com on your Platinum Card ®. Must charge full price of bike in one transaction. Shipping available in the contiguous U. Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.

Terms Apply. Financial Snapshot APR: See Pay Over Time APR Foreign Transaction Fees: None Card Categories Credit Card Reviews Credit Cards Travel Rewards Credit Cards Best Sign Up Bonuses Rewards Center American Express Membership Rewards.

More Reads Amex Platinum k Welcome Bonus Offer Benefits of The Amex Platinum How to Use , Amex Platinum Points Amex Platinum Card Requirements American Express Platinum Military Benefits Amex Platinum and Business Platinum Lounge Access Amex Platinum Benefits for Authorized Users Amex Platinum vs Delta Platinum Amex Platinum vs Chase Sapphire Reserve Capital One Venture X vs Amex Platinum Amex Platinum vs Delta Reserve Best American Express Credit Cards Best Credit Cards for Airport Lounge Access Best Credit Cards for Military.

Capital One Venture X Rewards Credit Card The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card. Why We Like This Card The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block. More Reads Benefits of the Capital One Venture X Card Best Ways to Use Venture X Points Capital One Venture X Credit Score and Approval Odds Capital One Venture X Lounge Access Capital One Venture X Travel Insurance Benefits Capital One Venture vs Venture X Capital One Venture X vs Amex Platinum Capital One Venture X vs Chase Sapphire Reserve Best Credit Cards with Priority Access Best Credit Cards for Airport Lounge Access Best Capital One Credit Cards Best Luxury and Premium Credit Cards Best Metal Credit Cards Best High Limit Credit Cards Choice Privileges Loyalty Program Review.

Capital One Venture Rewards Credit Card Get 2x miles plus some of the most flexible redemptions offered by a travel credit card! Why We Like This Card The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. More Reads How To Find the 75k or k Bonus for the Capital One Venture Travel Insurance Benefits of the Capital One Venture Capital One Venture vs Venture X Capital One Venture Card vs.

Capital One VentureOne Card [Detailed Comparison] Chase Sapphire Preferred vs Capital One Venture Best Capital One Credit Cards Best Travel Credit Cards Best Everyday Credit Cards Best Credit Cards for Groceries and Supermarkets Best Credit Card Sign Up Bonuses Best High Limit Credit Cards Capital One vs.

Citi Credit Cards — Which Is Best? BEST FOR DINING. American Express ® Gold Card This is the best card for food lovers who dine out at restaurants worldwide , order take-out and want big rewards at U. Why We Like This Card The American Express ® Gold Card is a game-changer.

Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U. Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel. com, Milk Bar and select Shake Shack locations. Experience credit varies by property. Choose the color that suits your style.

Gold or Rose Gold. No Foreign Transaction Fees. More Reads Find the Amex Gold 75k or 90k Welcome Bonus Offer Benefits of the Amex Gold Upgrade Amex Gold to Amex Platinum Amex Gold Benefits for Military Amex Gold vs Blue Cash Preferred Amex Platinum vs Amex Gold Amex Gold vs Delta Gold Best Credit Cards for Military Best Credit Cards for Groceries and Supermarkets Best Luxury and Premium Credit Cards Best Metal Credit Cards Best High Limit Credit Cards.

POPULAR FIRST CARD. Chase Sapphire Preferred ® Card U. Chase Sapphire Preferred ® Card A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Why We Like This Card The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Member FDIC Financial Snapshot Foreign Transaction Fees: None Card Categories Credit Card Reviews Credit Cards Travel Rewards Credit Cards Best Sign Up Bonuses Rewards Center Chase Ultimate Rewards.

More Reads The Chase Sapphire Preferred 80k or k Bonus Offer Benefits of the Chase Sapphire Preferred Chase Sapphire Preferred Credit Score Requirements Military Benefits of the Chase Sapphire Preferred Chase Freedom Unlimited vs Sapphire Preferred Chase Sapphire Preferred vs Reserve Amex Gold vs Chase Sapphire Preferred Best Credit Cards for Car Rental Insurance Best Metal Credit Cards Best Credit Cards for Military Best Credit Cards with Travel Insurance Best High Limit Credit Cards.

Chase Sapphire Reserve ® U. Chase Sapphire Reserve ® A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

More Reads Chase Sapphire Reserve k Bonus Offer Chase Sapphire Reserve Benefits Chase Sapphire Reserve Airport Lounge Access Chase Sapphire Reserve Travel Insurance Benefits Chase Sapphire Reserve Military Benefits Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Chase Sapphire Preferred vs Reserve Best Credit Cards for Military Best Credit Cards for Airport Lounge Access Best Credit Cards for Car Rental Insurance Best High Limit Credit Cards.

Citi Premier ® Card U. Citi Premier ® Card Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels. Why We Like This Card The Citi Premier ® Card is an excellent option for anyone looking for an all-around travel rewards credit card.

com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases Financial Snapshot APR: More Reads Benefits of the Citi Premier Authorized User Benefits of the Citi Premier Chase Sapphire Preferred Card vs.

Citi Premier Card [Detailed Comparison] Best Citi Credit Cards Best Credit Card Sign Up Bonuses Best Travel Credit Cards Best Credit Cards for Groceries and Supermarkets Best Virtual Credit Cards. British Airways Visa Signature ® Card U. British Airways Visa Signature ® Card This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

Why We Like This Card The British Airways Visa Signature ® Card is a stellar option for travelers who regularly travel with the airline. Pay no foreign transaction fees when you travel abroad. Simply tap to pay with your contactless British Airways Visa Signature Card.

Just look for the contactless symbol at checkout. It's fast, easy and secure! Member FDIC Financial Snapshot Foreign Transaction Fees: None Card Categories Credit Card Reviews Airline Credit Cards Best Sign Up Bonuses Rewards Center British Airways Executive Club. More Reads Best Ways To Earn British Airways Avios Best Ways To Redeem British Airways Avios The Best Ways to Use 10, British Airways Avios Ways to Use British Airways Avios Without Huge Fuel Surcharges.

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.

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 Financial Snapshot APR: More Reads Benefits of the Citi AAdvantage Executive World Elite Card Best American Airlines AAdvantage Credit Cards Best Citi Credit Cards Best Credit Cards for Airport Lounge Access Best Credit Cards for American Airlines Flyers How To Get American Airlines Elite Status And Is It Worth It?

The Business Platinum Card ® from American Express This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits! Why We Like This Card The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

com, and 1X points for each dollar you spend on eligible purchases. Earn 1. wireless service providers. The American Express Global Lounge Collection ® can provide an escape at the airport.

Financial Snapshot APR: NEW OFFER Ink Business Preferred ® Credit Card U. Why We Like This Card The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Cons No elite travel benefits like airport lounge access. Member FDIC Financial Snapshot Foreign Transaction Fees: None Card Categories Credit Card Reviews Best Business Credit Cards Credit Cards Travel Rewards Credit Cards Best Sign Up Bonuses Rewards Center Chase Ultimate Rewards.

More Reads The Chase Ink Business Preferred k Bonus Offer Benefits of the Ink Business Preferred Chase Ink Business Preferred Cell Phone Protection Chase Ink Business Preferred vs Amex Business Gold Ink Business Cash vs Ink Business Preferred Amex Business Platinum vs.

Chase Ink Business Preferred Ink Business Preferred vs Ink Business Unlimited Best Chase Business Credit Cards Best Business Credit Card for Advertising High Limit Business Credit Cards Best Credit Cards with Travel Insurance Best Credit Cards for Car Rental Insurance.

Ink Business Unlimited ® Credit Card U. Ink Business Unlimited ® Credit Card The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1. Why We Like This Card As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. dollars Card Categories Credit Card Reviews Best Business Credit Cards Best Sign Up Bonuses No Annual Fee Cards Rewards Center Chase Ultimate Rewards.

BEST FOR BONUSES. Why We Like This Card The American Express ® Business Gold Card is excellent at racking up rewards for your business spend. Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways NEW!

Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U. purchases at gas stations U. purchases at restaurants, including takeout and delivery Purchases at U. media providers for advertising in select media online such as Google Ads, Facebook Ads, plus TV and radio 3x points per dollar on flights and prepaid hotels booked on amextravel.

Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel. com using your Business Gold Card. purchases at FedEx, Grubhub, and Office Supply Stores. Your Card — Your Choice.

Choose from Gold or Rose Gold. Amex Plum Amex Business Gold vs. Amex Gold Best American Express Business Credit Cards Best Business Credit Card for Advertising Best Business Credit Cards for Shipping Purchases Best Business Credit Cards for Gas High Limit Business Credit Cards.

Ink Business Cash ® Credit Card U. Ink Business Cash ® Credit Card This card offers great rewards and no annual fee. Why We Like This Card The Ink Business Cash ® Credit Card has a lot going for it that makes it a compelling choice for small business owners.

No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ®. dollars Card Categories Credit Card Reviews Best Business Credit Cards Credit Cards Best Sign Up Bonuses No Annual Fee Cards Rewards Center Chase Ultimate Rewards.

Southwest ® Rapid Rewards ® Performance Business Credit Card U. Southwest ® Rapid Rewards ® Performance Business Credit Card Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Why We Like This Card The Southwest Rapid Rewards ® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. Earn 4X pts on Southwest ® purchases. Earn 3X points on Rapid Rewards ® hotel and car rental partners.

Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.

Member FDIC Financial Snapshot Foreign Transaction Fees: None Card Categories Credit Card Reviews Airline Credit Cards Business Credit Cards Best Sign Up Bonuses. More Reads Best Southwest Airlines Credit Cards Best Credit Cards for Southwest Airlines Flyers How To Earn Southwest Points Quickly Best Chase Business Credit Cards.

Earn unlimited 2. The only business credit card with 2. For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.

Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.

Best credit card bonuses - The best credit card sign-up bonuses can be worth $ or more. Find out which cards offer them and how to qualify There is no shortage of great welcome bonuses out there. American Express, Bank of America, Capital One, Chase, Discover and Wells Fargo are all Best Credit Card Sign-Up Bonus Offers · Capital One Venture X Rewards Credit Card · Chase Sapphire Reserve® · American Express® Gold Card Best Current Credit Card Sign Up Bonuses & Offers For February, · Capital One Venture X Business ,, · Capital One Spark Cash Plus

Learn More: Is the Bank of America Customized Cash Rewards card worth it? Read our Bank of America Customized Cash Rewards credit card review or jump back to offer details. BEST TRAVEL SIGN-UP BONUS. This card provides travelers with great flexibility.

People looking for a quick influx of points to fund upcoming travel, as the card has an exceptional sign-up bonus.

If your flights are mostly domestic, the Southwest Rapid Rewards® Plus Credit Card could be a good option. It includes a strong welcome offer and an anniversary bonus that you can use toward future Southwest flights.

Learn More: Is the Chase Sapphire Preferred worth it? Read our Chase Sapphire Preferred Card review or jump back to offer details. Best for business sign-up bonus. It also comes with an introductory APR offer on purchases. The Chase Freedom Flex is a great choice for business owners looking for a personal everyday card.

It has stronger rewards rates, a good intro APR and an accessible welcome bonus that makes this card a well-rounded alternative. Learn More: Is the Ink Business Unlimited worth it?

BEST AIRLINE SIGN-UP BONUS. Plus, you can check your bag for free size and weight limits apply. On top of its high rewards rates for Citi Travel, it also has a feature that rounds up all cash back earned to the nearest 10 points. Learn More: Southwest Rapid Rewards Plus benefits guide. Read our Southwest Rapid Rewards Plus Credit Card review or jump back to offer details.

Best for rounding up rewards. The round-up feature is a unique perk of this card. Cardholders will see points rounded up for every purchase to the nearest 10 points. Everyday shoppers who make lots of small purchases will benefit from this card.

The rewards structure means cardholders earn respectable rewards through everyday spending. While the roundup feature is nice, travelers may not get the most value out of the card. Best for rotating cash back categories.

It also offers a solid rewards rate on dining. People who like to earn boosted cash back in multiple categories will find it offers the opportunity to earn rewards in many areas.

The Bank of America® Customized Cash Rewards credit card has cash back similar to the Chase Freedom Flex but has some key differences that add to its value. Cardholders can change their cash back category once per calendar month, giving it additional flexibility.

You also have potential to get a lower APR after a generous intro APR period. Learn More: Why everyone loves the Chase Freedom Flex. Read our Chase Freedom Flex review.

The card details have not been reviewed or approved by the card issuer. A sign-up bonus — also known as a welcome bonus, intro bonus or welcome offer — is an incentive a credit card issuer offers potential applicants to sign up for a credit card.

A sign-up bonus can come in the form of cash back, points, travel miles or another perk offered by the credit card issuer. To receive a sign-up bonus, a cardholder usually has to spend a certain dollar amount on purchases within a specified period usually three months, sometimes more.

Credit card sign-up bonuses can offer great rewards for those who take the time to research and compare offers. When signing up for a credit card, make sure you understand the terms and conditions so you know what kind of bonus you'll receive and how much spending is necessary to qualify.

With careful planning and budgeting, you can use a sign-up bonus to your advantage and reap the benefits. If you fulfill the issuer's spending requirements within the time frame specified, you can expect to see your sign-up bonus reflected in your account within six to 12 weeks, depending on the issuer.

There are good and bad sides to using a credit card with a sign-up bonus. Before you apply, consider the pros and cons:. Versatile redemptions : Depending on the card, a sign-up bonus can be a lump sum of cash back, points or miles. That means the right card can help you reduce balances or trim the costs of future purchases.

Added value : When used responsibly, a credit card helps you build or maintain your all-important credit score and credit history.

A sign-up bonus takes the value of a credit card even further by allowing you to earn extra rewards worth hundreds of dollars.

Make sure the spending requirement fits your budget before applying for a card. Higher interest rates : Rewards credit cards typically carry higher interest rates. If you carry a balance from month to month, the interest you pay will diminish the value of the rewards and sign-up bonuses you earn.

Requires good credit : Most credit cards with sign-up bonuses require good or excellent credit. Not there yet?

Making on-time payments and keeping your account balances low are two of the most important ways to build credit fast. When it comes to credit card sign-up bonuses, different issuers offer a variety of enticing rewards. By comparing the offerings from various credit card issuers, you can make an informed decision and maximize your earnings.

American Express is renowned for its Membership Rewards program, which allows cardholders to earn points on everyday purchases that can be redeemed for travel, shopping, dining and more. With cards like The Platinum Card® from American Express , you can currently earn a substantial amount of points if you meet the spending requirement for the welcome offer.

These points can be transferred to various airline and hotel loyalty programs or used directly for travel bookings. However, when it comes to co-branded cards, the Delta SkyMiles® Reserve American Express Card has the highest estimated welcome offer value as an airline card for those who travel with Delta Airlines, and the Marriott Bonvoy Brilliant® American Express® Card has the highest estimated welcome offer value as a hotel card for those who use the Bonvoy Loyalty program.

Bank of America allows cardholders to earn cash back or points on everyday purchases through its rewards program. Currently, the Bank of America® Premium Rewards® credit card has the highest estimated sign-up bonus point value offered by Bank of America, but if you prefer to have a travel rewards credit card, the Bank of America® Travel Rewards credit card has the second highest estimated sign-up bonus point value toward dining or travel statement credit.

Capital One boasts versatile options catering to different preferences — from cash back cards like the Capital One Quicksilver Cash Rewards Credit Card to travel-focused ones like the Capital One Venture Rewards Credit Card, which allow users to earn miles on all purchases and redeem them towards travel expenses.

Chase is known for its popular Ultimate Rewards program, which offers a range of valuable redemption options such as travel rewards and cash back. Overall, the Ink Business Preferred® Credit Card has one of the highest estimated sign-up bonus values, but Chase still has a vast list of cards that offer high-value sign-up bonuses.

When it comes to everyday spending, the Chase Sapphire Preferred® and Chase Sapphire Reserve® have one of the highest estimated sign-up bonus values. For co-branded airline cards, the Aeroplan® Card has one of the highest estimated sign-up bonus values, and for co-branded hotel cards, it would be the Marriott Bonvoy Boundless® Credit Card.

The Citi Premier® Card provides one of the highest estimated sign-up bonus value in travel points along with additional benefits like annual hotel credit and access to Citi Concierge and Entertainment. Discover stands out with its generous Cashback MatchTM offer for new cardholders in their first year.

Since all Discover cards have the Cashback Match offer, the best card overall will depend on your specific needs — however, the Discover it® Cash Back would be a good fit for most potential cardholders. Wells Fargo only offers a small variety of credit cards tailored for different needs, such as the Wells Fargo Active Cash® Card, which has a flat-rate rewards structure and no annual fee.

However, the Wells Fargo AutographSM Card outperforms the Active Cash Card and the rest in terms of having one of the highest estimated sign-up bonus values, as well as having a more appealing bonus category rewards structure for everyday spending such as gas stations, restaurants, travel purchases and more.

By exploring the sign-up bonuses offered by these issuers and others in the market, you can find a credit card that aligns with your financial goals and provides excellent rewards right from the start. Sign-up bonuses are typically distributed as additional cash back, points or miles.

However, there are also other types of welcome offers to watch for that can be just as valuable — if not more so. These offers are quite common and let you earn a set amount of cash back or number of miles or points based on a specific spending requirement.

A two-stage bonus usually operates like a traditional sign-up bonus, providing a typical bonus value and spending requirement within the first three months. However, you may be able to double that value by reaching a larger total spend within the first six months.

An offer like this is more likely among store credit cards, such as the Amazon gift card usually granted with the Prime Visa card. Like an increased rewards rate offer, a credit card may occasionally offer an additional bonus category to add to your current roster for a set period or until you reach a certain spending threshold.

There are several cases of major credit cards offering a valuable perk like statement credits or complimentary elite loyalty status such as for a hotel or airline brand instead of bonus cash back, points or miles.

Since an offer like this could save you thousands, it can be much more valuable than a typical sign-up bonus. When considering a credit card with a sign-up bonus, be especially mindful of the spending requirement and how it will impact your budget. For example, if you love travel and want to earn points toward travel rewards, then you'll want to look for a card that offers a sign-up bonus with generous points or miles values.

But if you're more interested in cash back rewards, then you might want to focus more on the cash back redemption value of the sign-up bonus. It isn't just about choosing between rewards programs or deciding what kind of perks appeal to you — it's also about finding a card that fits your budget and meets your financial goals.

Calculating a cash back sign-up bonus is straightforward since the dollar amount is already determined. However, the most important factor is whether the spending requirement and timeline fit your budget. Determining the value of a point- or mile-based sign-up bonus may take more legwork.

With a travel card, your points or miles will almost always be best used toward travel, either through the issuer's portal or after transferring to a hotel or airline partner. In fact, you may squeeze more value out of your rewards by transferring to a partner program instead of redeeming for travel with the issuer.

N on-travel options like gift cards and merchandise typically yield the least value. In the best-case scenario, your rewards program terms will clarify how much your rewards are worth when redeemed in different ways.

Some issuers, like American Express, even offer a redemption value calculator. com or PayPal purchases. But they could be worth even more if you find the right airline or hotel transfer partner.

By multiplying these point values by your sign-up bonus of 60, points, you can get a sense of how much the bonus is worth:. However, it may be more helpful to multiply the 3 percent rate by your grocery budget for the next six months.

If you're looking for a way to maximize your credit card sign-up bonus, there are a few things you should keep in mind. First, you should keep an eye out for any promotional offers or limited-time bonuses that may enhance your sign-up bonus even further.

Credit card issuers often run special promotions throughout the year that can boost the value of their credit card rewards programs. Another effective strategy is utilizing smart spending techniques such as consolidating large purchases during this period or using supplementary authorized users who can help meet minimum spending requirements faster.

Lastly, it's essential to use credit responsibly by making timely payments and staying within your budget. While sign-up bonuses can be attractive incentives, they should not be the sole reason for choosing a credit card.

Consider all aspects of the offer before making a decision that suits your financial goals and needs, and always remember to manage your credit responsibly by paying off balances in full each month and keeping track of any annual fees or additional fees associated with maintaining one or multiple cards.

Credit card sign-up bonuses are a great way to earn extra rewards on your purchases. But is it worth keeping the card after you have earned the bonus?

To protect your credit score, you should plan to keep the card open. You should also look for recurring benefits, such as annual credits, to make sure that the card maintains its value beyond the sign-up bonus.

If a card carries an annual fee but has short-term value, one option is to downgrade to a no-annual-fee card , if possible. Some issuers have upgraded their sign-up bonuses for their cards just in time for winter travel.

With travel prices increasing, a strong sign-up bonus can help recoup some of your expenses. This is especially true with travel cards, which often have the best bonuses and redemptions for airfare and hotels. Former Bankrate expert Meredith Hoffman navigates the top strategies for using a sign-up bonus to fund your trip , how long a bonus may take to earn and the best credit cards and rewards programs for getting you to your destination.

When evaluating the best credit card for sign-up bonuses, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest.

We analyzed over of the most popular credit cards and selected standouts with sign-up bonuses. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value.

However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. Points transfer to airlines and hotels. No preset spending limit. Cons: Exceptionally high minimum spending requirement to earn the bonus. Charge card requires borrowers to pay the balance in full each month.

Pros: Earns 3x to 10x points on eligible travel and dining purchases. Rewards feature flexible redemptions. Includes benefits that make travel more comfortable and luxurious. Includes complimentary travel insurance benefits. Low rate of 1 point per dollar on regular purchases.

Pros: Earns 3x points in a range of popular categories. Flexible redemption options include travel, gift cards, point transfers, and more. Hefty spending requirement to earn welcome bonus. You only get 1 point per dollar on regular purchases.

Pros: SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. No annual fee. Additional 5x cash back on travel purchased through the Ultimate Rewards program, 3x on dining, and 3x on drugstore purchases.

Extra 1. Only available for cardholders with a good credit score. Earns 5x points on eligible travel purchases. Includes the best airport lounge membership available. Several generous travel perks included. Rewards have flexible redemptions.

Statement credits can be difficult to maximize. Only earns 1 point per dollar on everyday purchases. Non-travel redemptions get you less than one cent per point. Pros: Low spending requirement for welcome offer.

Exceptional rewards rate on eligible U. supermarket and U. gas station purchases. Comes with valuable consumer protections. Cons: Spending caps limit bonus category potential. Rewards are only redeemable for statement credits.

Charges 2. Pros: Relatively low monthly spending required to earn welcome offer. Exceptional 4x points rewards rate on eligible food purchases. Comes with annual credits for Uber and dining.

Rewards are flexible. Statement credits can be difficult to use. Disappointing earning rate of 1 point per dollar on other purchases. Pros: Welcome offer comes with reasonable spending requirement. Earns 2x miles per dollar in several spending categories.

Get a free checked bag for yourself and up to 4 companions on the same reservation when you fly with American. Redeem miles for flights around the world.

Annual fee is waived the first year. Cons: Rewards have few redemption options. High APR if you don't pay your bill in full each month. Only earns 1 mile per dollar on regular purchases. Free employee cards. Comes with several protections for purchases. Cons: Very high minimum spending requirement for bonus offer.

Only earns 1x points in non-bonus categories. High APR if you carry a balance. Other great perks: This card doesn't have an annual fee except for the Prime membership requirement and also has no foreign transaction fees.

As a Visa Signature card, cardholders also enjoy perks like travel and emergency assistance, lost Luggage reimbursement, baggage delay insurance, purchase protection and extended warranty protection. Right now, there are also some impressive, elevated welcome bonuses being offered by the top airline and hotel credit cards.

In fact, there are several co-branded credit cards currently offering welcome bonus offers of , points or more. If you favor a particular airline or hotel group, this might be a good option for you.

Read more about Aeroplan's new welcome offer. Read more about these Delta welcome bonus offers. Read more about these Hilton welcome bonus offers. Read more about this IHG welcome bonus offer. Read more about the best way to use Marriott Bonvoy rewards points. Read more about Southwest bonus offers.

Read more about United bonus offers and the United Quest Card. A credit card sign-up bonus is an incentive to entice consumers to open a new credit card and make purchases with the card.

You typically need to spend a certain amount within a specified period of time to earn the bonus. Credit card sign-up bonuses can be worth it as they can add hundreds of dollars or sometimes even over a thousand dollars back to your wallet and are generally non-taxable since you had to spend money to earn them.

However, you should only pursue a welcome bonus if you can meet the spending requirement without overspending or stretching yourself too thin. You don't want to carry a balance just to earn a bonus since the interest charges could outweigh the value of any rewards you earn.

To choose the best credit card , you need to consider your credit score, decide what types of rewards and benefits suit your needs and shop around for the best credit card offers. It's also important to decide if you're willing to pay an annual fee for a card. There is no shortage of great welcome bonuses out there.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money.

Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products.

While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

See our methodology for more information on how we choose the best credit cards. To determine which cards offer the best value, CNBC Select analyzed over of the most popular credit cards available in the U.

that are open to anyone and offer welcome bonuses. We compared each card on a range of features, including cash-back rewards, annual fees, welcome bonuses, introductory and standard APR, balance transfer fees and foreign transaction fees, as well as factors such as required credit and customer reviews when available.

CNBC Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the Consumer Expenditure Surveys from the Bureau of Labor Statistics.

You can read more about their methodology here. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases.

All rewards total estimations are net the annual fee. It's important to note the value of a point or mile varies from card to card and is based on how you redeem them.

When we calculated the estimated returns, we assumed that cardholders are redeeming cash back for a typical maximum value of 1 cent per point or mile.

Extreme optimizers might be able to achieve more value. Our final picks are weighted heavily toward the highest five-year returns since it's generally wise to hold onto a credit card for years. This method also avoids giving an unfair advantage to cards with large welcome bonuses.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of the American Express® Gold Card, click here. For rates and fees of Delta SkyMiles® Gold American Express Card, click here.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.

The best rewards credit cards for February 2024 Debt consolidation criteria Amex Bonusws Gold card is Best credit card bonuses solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you crad the credt. Delta SkyMiles® Gold American Express Card. If your credit score is in the low s, applying for a premium rewards credit card will all but guarantee a rejection letter. Komen Customized Cash Rewards card has been collected independently by The Points Guy. The information for the Citi Prestige has been collected independently by The Points Guy. Any small business that wants a low-annual-fee card with a lucrative welcome offer and rewarding spending bonuses is a great fit for this card.

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