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Depending on the issuer, sign-up bonuses may also be called welcome offers, early spend bonuses, or new cardmember bonuses. They are some of the best rewards and perks for credit cards. 11 Best Credit Card Sign-Up Bonuses

Every month, we look through dozens of new and old credit card signup bonuses, some of which are worth $1,000 or more, and show you the best ones here.

These outstanding new cardmember bonuses for this month are worth knowing about if you want a credit card that gives you rewards right away or within a few months.

Best Credit Card Sign-Up Bonuses on 11 Best Credit Card Sign-Up Bonuses

These are the best credit card sign-up bonuses, welcome offers, and early spend bonuses available right now. Each is unique, whether due to the bonus or the card.

Best Overall: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a fixture on our best travel credit cards list.

In large part, that’s down to its generous sign-up bonus: Earn 75,000 bonus points, worth up to $900+ on travel purchased through Chase Travel℠, when you spend at least $4,000 within 3 months.

But there’s a lot more to Sapphire Preferred—enough to make it our top overall pick for best sign-up bonus credit card. The rewards programme definitely deserves attention.

• 5 points total per $1 spent on eligible travel purchases made through the Chase Travel℠ portal after exhausting the $50 annual Chase Travel℠ hotel credit
• 3 points per $1 spent on eligible restaurant purchases, including dine-in and takeout, as well as select streaming service purchases and online grocery purchases
• 2 points per $1 spent on all other eligible travel purchases
• 1 point per $1 spent on most other eligible purchases

As do these other clutch features: 11 Best Credit Card Sign-Up Bonuses

• Get $0.0125 per point when you redeem for travel at the Chase Travel℠ portal, turning (for example) 60,000 points into $750 in airfare, hotel stays, car rentals, and other travel items
• Transfer points to Southwest Airlines and other major travel loyalty programs at a favorable 1-to-1 ratio
• Get a $50 annual hotel credit on eligible purchases
• Qualify for VIP packages, early access, exclusive deals, and concierge treatment at entertainment and sporting events, including the PGA Championship
• Enjoy complimentary Visa-backed perks like trip cancellation/interruption coverage, rental car coverage, baggage delay insurance, extended warranty protection, and more

Best for First-Year Spending: Chase Freedom® Unlimited Credit Card

The Chase Freedom Unlimited Card pairs an attractive sign-up bonus with a solid cashback programme. And it’s one of the few cards on this list with a sign-up bonus extending longer than three months from account opening.

How does it work? During the first year your account is open, Chase will automatically match all the cashback you earned. That means:

• 10% cash back on travel purchased through Chase Travel℠, travel, gift cards and more
• 6% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 3% on all other purchases

After the first year, the regular cashback rate kicks in. You don’t have to worry about rotating categories here or caps on cashback earnings either.

Additional features:

• Redeem your points for a statement credit, bank account deposit, gift cards from select retailers, and merchandise purchases made through the Ultimate Rewards portal
• Enjoy a 15-month, 0% APR promotion for purchases and balance transfers, after which regular variable APR applies, currently 20.49% – 29.24% APR
• After the first year, most regular qualifying purchases earn unlimited 1.5% cash back
• Travel purchases made through the Chase Travel℠ earn 5% cash back every day
• Drugstore and dining purchases (including takeout and delivery) earn 3% cash back
• No annual fee

Best Annual Travel Credit: Chase Sapphire Reserve® Card

The Chase Sapphire Reserve® is an ultra-exclusive travel rewards card designed for frequent travellers who prefer to travel, stay, and play in style.

The sign-up bonus is truly remarkable. Spend at least $4,000 in qualifying purchases within 3 months to earn 75,000 bonus Ultimate Rewards points. That’s worth up to $1,125 when redeemed for airfare, hotels, and other travel purchases through Chase Travel℠.

But the standout feature might well be the $300 annual travel credit, which more than halfway offsets the card’s $550 annual fee. Chase automatically applies it to any eligible travel purchase: hotel stays, airfare, rental cars, and more.

Additional features:

• Earn unlimited 3 Ultimate Rewards points per $1 spent on most travel and all eligible dining purchases
• Earn 1 point per $1 spent on everything else
• Eligible air travel and hotel and car rental purchases made through Chase Travel℠ earn 5 and 10 total points per $1 spent, respectively
• Points are worth $0.015 when redeemed for travel — 50% better than most general-purpose travel rewards cards
• Transfer your points at a 1-to-1 ratio to about a dozen travel loyalty programs, including Southwest Rapid Rewards and United MileagePlus
• Enjoy free entry privileges at more than 1,300 airport lounges worldwide with a complimentary Priority Pass Select membership
• Take advantage of exclusive rental car discounts and perks with National and other major brands
• Enjoy special welcome gifts and credits at participating hotels

Best for Frequent Flyers: Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card, the business equivalent of the Delta SkyMiles Platinum Credit Card, has a very attractive welcome offer.

Here’s how it works: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Moving forward, you can take advantage of a generous rewards programme that gives preference to purchases made with Delta and most hotels, as well as larger purchases in general. Additionally, MQD Headstart and MQD Boost may qualify you for bonus MQD earnings throughout the year on qualifying spend. Terms and conditions apply – see rates and fees.

Additional features:

• Earn 3 SkyMiles per $1 spent on eligible Delta purchases and purchases made directly with hotels
• Earn 1 SkyMile per $1 spent on other eligible purchases, except 1.5 SkyMiles per $1 spent on purchases over $5,000
• With MQD Boost, earn $1 MQD for every $20 spent on qualifying purchases in a calendar year
• With MQD Headstart, earn $2,500 MQD each year just for holding the card
• The annual fee is $350
• Enjoy Delta perks like Main Cabin 1 priority boarding, 20% off in-flight purchases, a free checked bag, and more
• Terms and Conditions Apply: See rates and fees

Best for Hotel Elite Status: IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Card has an easily attainable sign-up bonus worth more than 10 award nights at participating IHG hotels. Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months.

Are you dissatisfied with your initial score? Moving forward, this card earns up to 26 IHG Rewards total points per $1 spent at Intercontinental Hotel Group hotels, including Holiday Inn and Staybridge Suites. Eligible purchases of travel and at gas stations and restaurants earn 5 points per $1 spent.

All other eligible purchases earn 3 points per $1 spent, with no spending caps or restrictions. Redeem points for award nights at participating IHG properties, starting at 10,000 points.

Additional features:

• $99 annual fee
• No fees for foreign transactions
• Get 1 reward night per year at select IHG hotels after your account anniversary
• Earn 10,000 bonus points and a $100 statement credit when you spend at least $20,000 and make an additional purchase in a calendar year
• As long as your account remains open and in good standing, you’ll qualify for Platinum Elite status, with benefits including a 50% bonus to base point earnings, priority check-in where available, and complimentary room upgrades where available

Best for Big Spenders: Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business Card has a fantastic welcome offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level of up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

Moving forward, earn 4 points per $1 spent on eligible purchases made at restaurants worldwide and U.S. gas stations, on wireless telecom purchases made directly with U.S. providers, and on shipping. Earn 2 points per $1 spent on all other eligible purchases. Terms and conditions apply — see rates & fees.

Additional features:

• Earn 6 points for every $1 of eligible purchases at participating Marriott Bonvoy hotels
• Eligible purchases made at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly with U.S. providers, and U.S. shipping purchases earn 4 points per $1 spent
• All other eligible purchases earn 2 points per $1 spent
• $125 annual fee
• No foreign transaction fees (see rates and fees)
• Enjoy complimentary Gold Elite Status in the Marriott Bonvoy program
• Get 1 free award night at participating properties per year after your cardmember anniversary (redemption level at or below 35,000 points)
• Get a second free award night after you spend at least $60,000 in eligible purchases in a calendar year (also with a redemption level at or below 35,000 points)
• Terms and Conditions Apply: See rates & fees

Best for Mixing Business and Leisure Travel: Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card has one of the best welcome offers of any business credit card.

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms apply.

Moving forward, this card has a great ongoing rewards program that earns:

• 12 Hilton Honors points per $1 spent on eligible purchases made directly with hotels and resorts in the Hilton portfolio
• 6 points per $1 spent on select eligible business purchases, including purchases at U.S. gas stations, wireless communications purchases made directly with U.S. providers, and U.S. purchases of shipping
• 6 points per $1 spent on select partner travel purchases, including flights booked directly with airlines or Amex Travel and car rental purchases made directly with car rental companies
• 6 points per $1 spent on U.S. restaurant purchases.
• 3 points per $1 spent on all other eligible purchases.

Additional features:

• All eligible Hilton Honors American Express Business cardholders enjoy complimentary Hilton Honors Gold status, with benefits like an 80% bonus on all base point earnings and complimentary room upgrades where available (terms apply)
• Spend $40,000 on eligible purchases with your card in a calendar year to earn Hilton Honors Diamond status through the end of the following calendar year
• $95 annual fee (see rates and fees)
• No foreign transaction fee
• Earn one free night reward after you spend $15,000 on your card in a calendar year
• Earn another free night reward after you spend an additional $45,000 on your card in the same calendar year (terms apply)

Best Airline Travel Credit: Platinum Card® from American Express

If you’re fortunate enough to join the ranks of proud Platinum Card from American Express members, you’ll get an impressive welcome offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Terms apply.

Depending on how they’re redeemed, Membership Rewards points are worth up to $0.01 apiece. You can redeem points for statement credits, Uber rides, and online purchases (including gift cards and airfare) through AmEx’s e-commerce portal or Amazon.

One additional benefit of this card really stands out: the annual airline fee credit. Each year your card account remains in good standing, you receive a $200 credit (payable as a statement credit to your Platinum Card) for incidental expenses, such as meals and drinks, with an airline of your choice. Enrolment is required to earn this benefit.

Additional features: 11 Best Credit Card Sign-Up Bonuses

• Earn 5 Membership Rewards points per $1 spent on airfare purchased directly with the airline, as well as prepaid hotel and airfare purchases made through the American Express Travel portal
• Other purchases earn 1 point per $1 spent
• Enjoy up to $200 in annual Uber credits (enrollment required)
• enjoy up to $200 in annual prepaid hotel credits when you book through the Fine Hotels & Resorts Collection or American Express Travel (enrolment required).
• Enjoy complimentary access to airport lounges worldwide
• Enjoy complimentary Gold/Gold Elite Status with Hilton Honors and Marriott Bonvoy as long as your account remains open and in good standing
• Terms apply for all these benefits
• $695 annual fee (see rates and fees)
• No foreign transaction fee

Best Cash-Back Credit Card: Blue Cash Preferred® Card from American Express

The American Express Blue Cash Preferred Card has a generous welcome offer: Earn $250 back after you spend at least $3,000 on purchases within the first 6 months. Cashback accrues as Reward Dollars that can be redeemed for statement credits.

Going forward, Blue Cash Preferred has a great cash-back rewards programme — in fact, it’s the best cash-back card on this list. You’ll earn:

• 6% cash back on select digital media and streaming services
• 6% cash back on supermarket purchases up to $6,000 in total purchases per year
• 3% cash back on purchases at U.S. gas stations
• 1% cash backon everything else
• Cash back accrues as Reward Dollars that can be redeemed for statement credits or at Amazon.com checkout

Additional features:

• $95 annual fee (see rates and fees)
• Enjoy 0% APR on purchases and balance transfers for the first 12 billing cycles from account opening — after that, variable regular APR applies, currently 19.24% to 29.99%

Best for Car Buyers: My GM Rewards Card™ on 11 Best Credit Card Sign-Up Bonuses

The My GM Rewards Card™ is a great rewards credit card for General Motors owners—and anyone planning to purchase a GM vehicle in the near future.

Customise your cardmember experience by choosing one of the five card designs: GM, Chevrolet, Buick, GMC, or Cadillac. Then gear up to earn unlimited 7x total points with GM purchases and 4x points on all other eligible purchases.

Here’s what else you need to know about this card.

• Welcome Offer: Get 15,000 bonus points after you spend $1,000 in your first 3 months.
• Earn Rate. Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don’t expire as long as your account remains open.
• Introductory APR: Enjoy 0% intro APR on purchases for the first 12 months, then a variable APR of 19.99% to 29.99%. The rates are applicable as of June 1, 2023.
• Key Fees: No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
• Other Perks: See if you’re approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.

Best for Food and Entertainment Purchases: Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards credit card has an easily attainable early spend bonus in line with the top bonuses for no-annual-fee cashback credit cards: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Moving forward, enjoy one of the best cashback programmes for people who love food and entertainment:

• Unlimited 3% cash back on streaming, dining, and grocery store purchases (except purchases at Target, Walmart, and other superstores)
• Eligible hotel and car rental bookings earn unlimited 5% cash back when made through Capital One Travel
• Most other eligible purchases earn unlimited 1% cash back
• No annual fee
• No foreign transaction fee
• Enjoy 0% APR on purchases and balance transfers for the first 15 months from your account opening date — thereafter, variable regular APR applies
• Enjoy potential savings on prior purchases through Capital One Shopping, plus extended warranties on select purchased items (feature availability may vary by product)

Methodology: How We Choose the Best Credit Card Sign-up Bonuses

We use several important factors to assess credit card sign-up bonuses and choose the best for our users. All relate in some way to the overall value of the offers or the cards that offer them.

Bonus Value

The actual value of the welcome offer is a critical determinant of a bonus’s worth. Users prefer more valuable bonuses, but the factors below can make them more or less appealing.

Required Bonus Spend 0n 11 Best Credit Card Sign-Up Bonuses

If the required spend to earn a sign-up bonus is too much for your budget to bear, the bonus isn’t right for you. There’s no point in negating the value of a bonus (and then some) by overspending to earn it and then racking up interest charges that you can’t pay off for months or years.

Bonus Time Frame 0n 11 Best Credit Card Sign-Up Bonuses

The more time you have to earn a bonus, the better. The standard time frame is three months from account opening, but some stretch for four or even six months. A few choice sign-up bonuses linger for over a year, allowing cardholders ample time to meet the spending requirements and earn the rewards associated with these offers.

Other Benefits for New Cardholders 0n 11 Best Credit Card Sign-Up Bonuses

The sign-up bonus shouldn’t be the only—or even primary—reason to sign up for a new credit card. Other benefits for new cardholders, especially 0% APR promotions on purchases and balance transfers, can really add value, as they allow cardholders to manage their finances more effectively without incurring interest during the promotional period.

Ongoing Rewards

Most credit cards with generous sign-up bonuses also earn ongoing rewards. Cashback credit cards earn cash back, travel rewards cards earn travel loyalty points, and so on. The more generous the reward programme is, the better.

Ongoing Costs

Ongoing costs—especially annual fees and interest if you plan to carry a balance—can add to the value of a sign-up bonus. Make sure you can avoid these costs or at least minimise them if you plan to apply for a welcome offer.

Credit Card Welcome Offer FAQs on 11 Best Credit Card Sign-Up Bonuses

Do you still have questions about welcome offers for credit cards? You’re not alone. This is a tricky, complicated subject.

But we have answers. Here’s what you need to know about some of the most common issues that come up with early spend bonuses.

Can You Get More Than One Sign-up Bonus for the Same Card?

New cardmember bonuses are effectively single-use. Once you sign up for a credit card and take whatever action is required to obtain the bonus, that’s it for a while, possibly forever.

It’s possible that if you close your card account, wait a long time, and then reapply, you’ll be eligible for a new cardholder offer again. But you’ll have to wait at least a year, probably longer, and many issuers have a strict “one and done” rule.

How Many Credit Card Sign-up Bonuses Can You Get?

In one sense, there’s no strict limit. Some issuers have informal rules that effectively limit the number of bonuses you can earn in a particular period of time. For example, Chase’s 5/24 rule could limit you to five new Chase credit cards in any two-year span.

That said, applying for too many credit cards all at once is a bad idea, with or without new cardmember bonuses. Applying for multiple credit cards over a short period can harm your credit profile, lower your credit score, and make it harder to obtain affordable financing.

Are Credit Card Sign-up Bonuses Always Available? 11 Best Credit Card Sign-Up Bonuses

Just like it’s always 5 o’clock somewhere, you’re certain to find a credit card offering a bonus for new cardmembers.

But no individual bonus is permanent. At least, you shouldn’t expect it to be.

Many credit card issuers offer sign-up bonuses only in the first few months or quarters of a new card’s existence, then discontinue the programme and hope that their cards’ other benefits and rewards will be enough to keep new customers coming.

Therefore, if you find a bonus that appeals to you, it’s advisable to take action promptly.

Should You Apply for a Credit Card Just to Get a Bonus?

Consider sign-up bonuses as deciding factors — if you are choosing between two cards and one offers a clearly superior new cardmember bonus, select that one. 11 Best Credit Cards Sign-Up Bonuses

This is because a strong sign-up bonus typically indicates the overall quality of the card. Some of the best credit cards around have attractive bonuses that complement generous cash-back rewards programs, low APRs, VIP treatment, and other perks.

What Happens If You Don’t Meet the Spending Requirements for a Sign-up Bonus?

Then you don’t get the bonus. It sounds harsh, but credit card issuers are often less willing to bend on this point than elsewhere, like waiving the annual fee if you ask nicely.

How to Select a Credit Card With the Best New Cardholder Offer

Are you uncertain about the credit card welcome offer that best suits your needs? Take a step back (or two) and consider the following:

• The bonus’s actual or estimated value, which may depend on the reward being offered or loyalty currency being used
• Whether you can realistically clear the spending threshold in the allotted time frame
• What other new cardmember benefits the card has, if any — like a 0% APR introductory promotion
• The card’s other perks and rewards, which might make it worth keeping around after the welcome period ends
• The card’s annual fee and other potential carrying costs

Ultimately, a credit card sign-up bonus should serve as the ultimate incentive. Think of it as a final inducement to get a credit card you’d probably want anyway, rather than an excuse to buy stuff you don’t really need.