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Best Credit Card Sign Up Bonuses Of April 2024

Credit Card Rewards Expert
Deputy Editor

Fact Checked

Updated: Mar 26, 2024, 2:50pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

One of the best perks of opening a new credit card is the welcome bonus. Typically, a credit card will offer an outsized bonus to new cardholders to tempt you to apply. These welcome offers can earn you more rewards, points or cash back than you’d earn on regular spending alone.

But welcome bonuses are also a dangling carrot, the size of which can wax and wane as an issuer pleases. If you’ve been eyeing a particular credit card, try to snag the biggest welcome bonus you can on the card. Here’s Forbes Advisor’s list of top credit card bonuses to help you narrow down the options.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

  • 210 credit cards rated
  • 28,000 data points collected
  • 130 credit cards owned
  • 53 years of industry experience

Read more
Show Summary

Best Credit Card Sign-Up Bonuses

Best Credit Card Sign-Up Bonuses of 2024

Best Card for Travel Rewards

Capital One Venture X Rewards Credit Card

Apply Now
On Capital One's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Capital One's Website

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More

Welcome Bonus

Earn 75,000 bonus miles

Annual Fee

$395

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent (750 - 850)

Editorial Review

Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.

Pros & Cons
  • Annual fee lower than others in its category
  • Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
  • Miles are easy to earn and easy to use
  • Lack of domestic airline and upscale hotel travel partners
  • Capital One lounge network in its infancy
  • Lack of hotel status benefits
Card Details
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Card for Transfer Partners

Chase Sapphire Reserve®

Apply Now
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Chase Bank USA, NA's Website

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$550

Regular APR

22.49%-29.49% Variable

Credit Score

Excellent (750 - 850)

Editorial Review

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel through Chase Travel℠ nets you a 50% bonus.

Pros & Cons
  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase
  • Points transfer to valuable airline and hotel partners
  • High annual fee
  • High variable APR on purchases
  • Excellent credit recommended
Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Foodies

American Express® Gold Card

Apply Now
On American Express's Website
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On American Express's Website

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More

Welcome Bonus

Earn 60,000 points

Annual Fee

$250

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Editor's Take

Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it’s easy to come out ahead.

Pros & Cons
  • High rewards earnings possibilities
  • Points transfer option to many partners
  • Add up to 5 authorized users for no additional annual fee
  • Can choose from regular or rose gold versions
  • No lounge benefits
  • Limited options to carry a balance
  • High APR for pay over time feature
  • High pay over time penalty APR
Card Details
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Flexible Rewards

Chase Sapphire Preferred® Card

Apply Now
On Chase Bank USA, NA's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Chase Bank USA, NA's Website

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$95

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

Editor's Take

Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee.

Pros & Cons
  • Earn high rewards on several areas of spending
  • Transfer points to travel partners at 1:1 rate
  • Many travel and shopping protections
  • Annual fee
  • No intro APR offer
  • Best travel earning rates are only for bookings through Chase
Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for United Flyers

United Quest℠ Card

Apply Now
On Chase Bank USA, NA's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Chase Bank USA, NA's Website

Up to 3X Reward Rate

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More

Welcome Bonus

Earn 60,000 bonus miles

Annual Fee

$250

Regular APR

21.99% - 28.99% Variable

Credit Score

Good/Excellent (700 - 749)

Editor's Take

Frequent United customers will appreciate that the United Quest Card comes with an annual $125 United credit, rewards on travel and dining and travel protections such as primary car rental coverage and trip cancellation insurance.

Pros & Cons
  • $125 annual United purchase credit
  • Earn up to two 5,000-mile award flight credits annually
  • Two free checked bags for cardholder and a companion traveling on the same reservation
  • Earn up to 6,000 Premier Qualifying Points annually
  • Primary auto collision damage waiver for eligible rentals
  • Checked baggage benefit only applies to one companion
  • Earnings for general purchases are only 1 mile per dollar
Card Details
  • Earn 60,000 bonus miles and 500 PQP after qualifying purchases
  • Earn 3 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel, dining and select streaming services
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
  • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
  • Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Student Card

Discover it® Student Cash Back

Apply Now
On Discover's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Discover's Website

Up to 5% Reward Rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations,Read More

Welcome Bonus

Cashback Match™

Annual Fee

$0

Regular APR

18.24% - 27.24% Variable APR

Credit Score

Fair/New to Credit

Editor's Take

Here’s an excellent way for students with average or limited credit scores to gain experience managing credit. No annual fee, no penalty APR, plus up to 5% cashback rewards in rotating categories (up to a quarterly cap with enrollment, 1% back on other purchases) earn this card an “A” in our book.

Pros & Cons
  • 5% cashback on rotating bonus categories after enrollment
  • First-year cash-back match
  • 5% bonus cashback rate is limited to $1,500 per quarter in spending
  • Bonus categories must be activated quarterly
  • Low 1% base reward rate
Card Details
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
  • Terms and conditions apply.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for High Rewards with a Low Annual Fee

Citi Premier® Card

Apply Now
On Citi's Website
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Citi's Website

Welcome Bonus

60,000 points

Annual Fee

$95

Regular APR

21.24% - 29.24% (Variable)

Credit Score

Excellent, Good (700 - 749)

Editor's Take

With 3 points earned per $1 spent on many travel staples and at gas stations, the Citi Premier Card could be a perfect fit for road warriors and frequent travelers. The card’s high APR and lack of an intro APR offer make it a poor choice for anyone looking to carry a balance.

Pros & Cons
  • Flexible travel redemption options
  • No foreign transaction fee
  • Add authorized users for no additional cost
  • Annual fee with no first-year waiver
  • No intro APR offer
  • No travel or purchase protections
Card Details
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Earn 60,000 bonus points after you spend $4,000 in purchases with your card within 3 months of account opening; redeemable for $600 in gift cards at thankyou.com
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Travel Benefits

The Platinum Card® from American Express

Apply Now
On American Express's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On American Express's Website

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More

Welcome Bonus

Earn 80,000 points

Annual Fee

$695

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Editor's Take

The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.

Pros & Cons
  • High reward potential on flights and hotels booked through American Express Travel
  • Multiple credits can help justify the fee
  • Comprehensive airport lounge access
  • Luxury travel benefits and elite status with Hilton and Marriott with enrollment
  • Very high annual fee
  • Maximizing the statement credits takes some work and could be unworkable for many
  • Reward rate outside of travel is sub-par for a premium card
Card Details
  • 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.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
  • $695 annual fee.
  • Terms Apply.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for 0% Intro APR

Discover it® Miles

Apply Now
On Discover's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Discover's Website

1.5X Reward Rate

Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Welcome Bonus

Discover Match®

Annual Fee

$0

Regular APR

17.24% - 28.24% Variable APR

Credit Score

Excellent/Good

Editor's Take

For a card with no annual fee, the Discover it® Miles Card serves up considerable value in the first year. You’ll get an intro APR on purchases and balance transfers with a solid rewards earning rate and welcome offer.

Pros & Cons
  • Miles earned during the first year are matched at the end of the year in place of a traditional welcome bonus
  • Miles can be redeemed for travel or cash back at the same rate
  • No foreign transaction fee
  • No annual fee
  • Discover is not accepted widely abroad
  • No luxury travel perks
Card Details
  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers – only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% – 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. 
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Airline Card

British Airways Visa Signature® Card

Apply Now
On Chase Bank USA, NA's Website
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Chase Bank USA, NA's Website

Welcome Bonus

Earn 75,000 Avios.

Annual Fee

$95

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

Editor's Take

Those who frequently travel British Airways will appreciate this card’s robust welcome bonus and the chance to earn a companion ticket. There is a modest annual fee.

Pros & Cons
  • Generous rewards on eligible flights
  • Potential to earn a companion ticket
  • Lucrative welcome bonus
  • No foreign transaction fee
  • Rewards rate poor outside of Avios-earning airlines
  • Subject to Chase’s 5/24 rule
  • No checked baggage or lounge perks
Card Details
  • Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months!
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • 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
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases in your first year!
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Hotel Card

Marriott Bonvoy Boundless® Credit Card *

Marriott Bonvoy Boundless® Credit Card
2.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 6X Reward Rate

Earn 6 points for every $1 at participating Marriott Bonvoy hotels, 3 points for every $1 spent each year (upRead More

Welcome Bonus

Earn 3 Free Night Awards

Annual Fee

$95

Regular APR

21.49% - 28.49% Variable

Credit Score

Good, Excellent (700 - 749)

Editor's Take

For those who prefer staying at Marriott’s 7,000+ properties, this card offers a robust set of perks and rewards potential. The annual free night alone (valued at 35,000 points) can justify the annual fee, and Silver Elite status is just icing on the cake. Thinking about carrying a balance? The high APR could easily eclipse the value of your hard-earned rewards.

Pros & Cons
  • Free night certificate every year (valued at 35,000 points)
  • 15 Elite Night Credits per year
  • Automatic Silver Elite status
  • Stingy earnings structure
  • High APR
  • $95 annual fee
Card Details
  • Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
  • Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
  • Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
  • Earn 2 points per dollar spent on all other purchases
  • Points don’t expire as long as you make purchases on your credit card every 24 months
Earn 3 Free Night Awards after spending $3,000 on purchases in the first 3 months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Summary of the Best Credit Card Sign-Up Bonus

Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Best Card for Travel Rewards
Excellent
$395
Earn 75,000 bonus miles
Best Card for Transfer Partners
Excellent
$550
60,000 bonus points
Best for Foodies
Excellent/Good
$250
Earn 60,000 points
Best for Flexible Rewards
Excellent, Good
$95
60,000 bonus points
Best for United Flyers
Good/Excellent
$250
Earn 60,000 bonus miles
Best Student Card
Fair/New to Credit
$0
Cashback Match™
Best for High Rewards with a Low Annual Fee
Excellent, Good
$95
60,000 points
Best for Travel Benefits
Excellent/Good
$695
Earn 80,000 points
Best for 0% Intro APR
Excellent/Good
$0
Discover Match®
Best Airline Card
Excellent, Good
$95
Earn 75,000 Avios.
Best Hotel Card
Good, Excellent
$95
Earn 3 Free Night Awards

Best Credit Card Sign-Up Bonus Offers

Capital One Venture X Rewards Credit Card

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The Capital One Venture X Rewards Credit Card (rates & fees) changed the game for travel credit cards. In comparison to other premium travel credit cards, the Venture X’s $395 annual fee is on the lower end, and its minimum 2 miles per dollar earning rate makes it a solid catch-all card for those looking to cash rewards in for travel.

Who it’s best for: The Venture X is best for those looking for a card that delivers the most value towards travel. The card’s 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening can easily be transferred to airline and hotel partners to receive over $750 in value. Combined with the card’s $300 annual travel credit (when booked through Capital One Travel) and 10,000 mile anniversary bonus, and you’ve offset the annual fee for years to come.

Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

Annual fee: $395

Chase Sapphire Reserve®

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Chase’s premium travel card, the Chase Sapphire Reserve®, delivers what you need in a travel card. Cardholders receive a $300 annual travel credit, statement credit for Global Entry, TSA PreCheck or NEXUS and access to over 1,300 airport lounges worldwide. Frequent travelers will have little issue squeezing enough value out of this card to justify its annual fee.

Who it’s best for: If you have a favorite hotel brand or airline that happens to be one of Chase’s travel partners, then the Sapphire Reserve is for you. The card offers a 1:1 point transfer to partners like United MileagePlus, Marriott Bonvoy, World of Hyatt and more, meaning you can stretch the value of your sign-up bonus by finding a sweet spot redemption.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Annual fee: $550

American Express® Gold Card

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The American Express® Gold Card (terms apply, see rates & fees) makes earning Membership Rewards® points easy with its increased earnings on groceries, restaurants and flights. The card’s annual fee can be just about offset by its included $120 dining credit (up to $10 in statement credits monthly) and $120 Uber Cash credit (up to $10 each month). Enrollment is required for select benefits.

Who it’s best for: The Amex Gold is the best for foodies, offering competitive earning rates on grocery and restaurant purchases. By using this as your dedicated card for food and flights, you may find hitting the spending threshold required for the card’s sign-up bonus to be an easy feat.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Annual fee: $250

Chase Sapphire Preferred® Card

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For those who hold another Ultimate Rewards-earning card, adding the Chase Sapphire Preferred® Card to your setup could be worthwhile. Although its rewards earnings are similar to other Chase cards, the Sapphire Preferred opens the door to two main travel redemption perks: 1:1 point transfer with Chase’s travel partners and 25% more value added to your points when redeeming through Chase’s travel portal.

Who it’s best for: As a travel card, it is expected that you’ll get the most value out of the points earned with your Sapphire Preferred when using them towards travel. Chase Ultimate Rewards® are a flexible currency, meaning you can also redeem them towards cash back and gift cards. The earning categories on the Sapphire Preferred, along with its sign-up bonus, make it best for an occasional traveler or someone who desires flexibility when it comes to cashing out their points.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Annual fee: $95

United Quest℠ Card

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Those who fly United multiple times a year should look no further than the United Quest℠ Card. Not only does the card earn additional miles on United purchases, cardholders receive up to $125 in statement credits for United purchases annually, two free checked bags per trip and the opportunity to earn Premier qualifying points to go toward receiving elite status with the airline.

Who it’s best for: This card is best for United loyalists or those who live near a United hub airport. Since this card’s rewards and welcome bonus come in the form of MileagePlus miles, you’ll find the best value when redeeming your miles for award travel on United or its partners, including Star Alliance airlines.

Welcome offer: Earn 60,000 bonus miles and 500 Premier qualifying points after spending $4,000 on purchases in the first 3 months.

Rewards: Earn 3 miles per dollar on United® purchases, 2 miles per dollar on dining, select streaming services and all other travel and 1 mile per dollar on all other purchases.

Annual fee: $250

Discover it® Student Cash Back

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The Discover it® Student Cash Back is a quality option among students looking to build their credit and learn the ropes of credit card management. Even though this is a student card, Discover doesn’t skimp out on the rewards. Cardholders who take advantage of the card’s cash back rotating bonus categories and unique welcome bonus will find the rewards adding up in little time.

Who it’s best for: It’s no surprise that the Discover it® Student Cash Back is best for the demographic it’s created for: students. Discover’s Unlimited Cashback Match™ is one of the strongest welcome offers available on student cards since Discover does not put a maximum on the cash back it will match.

Welcome offer: Earn Unlimited Cashback Match™ - Discover will match all the cash back you’ve earned at the end of your first year. There's no minimum spending or maximum rewards.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations and more, up to the quarterly maximum once activated. Plus, automatically earn unlimited 1% cash back on all other purchases.

Annual fee: $0

Citi Premier® Card

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For a relatively low annual fee, the Citi Premier® Card offers high rewards on popular spending categories, including restaurants, supermarkets, gas stations, air travel and hotels. Outside of these categories, the card comes with few frills, other than an annual $100 off a hotel stay of $500 or more when you book through the issuer’s portal.

Who it’s best for: This card is best suited for those who want strong reward categories with a low annual fee. While the Citi Premier spares you the bells and whistles, it gives you access to all of Citi’s travel transfer partners, a perk not available to every ThankYou® Points-earning card. Outside of transfer partners, ThankYou Points can also be redeemed towards travel purchases, gift cards, cash back and more.

Welcome offer: Earn 60,000 points after spending $4,000 in purchases within the first 3 months of account opening.

Rewards: Earn 3 ThankYou points per dollar at restaurants, supermarkets, gas stations, air travel and hotels, 1 point per dollar on all other eligible purchases and a total of 10 points per dollar on hotels, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Annual fee: $95

The Platinum Card® from American Express

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For those willing to put in the work to offset its $695 annual fee, The Platinum Card® from American Express (terms apply, see rates & fees) can deliver perks of incomparable value. Alongside a plethora of travel benefits, the Amex Platinum provides a catalog of annual credits, including an up to $200 hotel credit for bookings made through American Express Travel, a $240 digital entertainment credit with enrollment (up to $20 back monthly), an up to $200 airline incidental fee credit and a $189 CLEAR® Plus membership credit, among others.

Who it’s best for: The Amex Platinum is the best suited for the frequent traveler who will take advantage of the card’s benefits. Not only does it earn high rewards on flights and hotels booked through Amex, it provides access to over 1,400 airport lounges, charges no foreign transaction fees and comes with insurance and purchase protections¹ to cover you in just about any travel-related scenario. The Platinum’s sign-up bonus is also one of the largest you’ll find in the credit card space.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership.

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Annual fee: $695

Discover it® Miles

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While the Discover it® Miles doesn’t come with travel perks you’ll find on a premium card, it is a straightforward catch-all card, earning 1.5 miles per dollar of every purchase. It also charges no annual fee, and miles can be redeemed for cash back or as a statement credit for travel purchases at a value of one cent per mile.

Who it’s best for: The Discover it® Miles shines in two ways. First, Discover’s version of a welcome bonus is an unlimited match of all the miles you’ve earned in your first year holding the card. Second, the card comes with a 0% intro APR on purchases and balance transfers for the first 15 months of account opening. After that, a variable APR of 17.24% - 28.24% applies. A balance transfer fee of up to 5% of the amount transferred applies, making it best for those looking for some extra time to pay down a balance.

Welcome offer: Earn Unlimited match of all the miles earned at the end of the first year.

Rewards: Earn 1.5 miles per dollar of every purchase.

Annual fee: $0

British Airways Visa Signature® Card

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Although its name may convince you otherwise, the British Airways Visa Signature® Card earns increased rewards on more than just British Airways purchases. The higher earning rates extend to Aer Lingus, Iberia and LEVEL purchases, as well as to hotel stays booked directly with the hotel.

Who it’s best for: For a reasonable annual fee, the British Airways Visa Signature Card offers a sizable welcome bonus. This card is best suited to those looking to use the bonus Avios on a redemption with British Airways or any of its Oneworld airline partners, including American Airlines, Cathay Pacific, Qantas and more.

Welcome offer: Earn 75,000 Avios after spending $5,000 on purchases in the first three months of account opening, plus 5 Avios per dollar spent on up to $10,000 in gas, groceries, and dining purchases for the first 12 months of account opening.

Rewards: Earn 3 Avios per dollar on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Annual fee: $95

Marriott Bonvoy Boundless® Credit Card *

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The Marriott Bonvoy Boundless® Credit Card* is a staple in many Marriott Bonvoy member’s wallets, as the card essentially pays for itself. Its $95 annual fee can be offset by simply utilizing the anniversary free night included with the card each year. This makes the additional Marriott Bonvoy points you earn, as well as the card’s travel insurance and purchase protections, icing on top of the cake.

Who it’s best for: In terms of hotel cards, the sign-up bonus and reward earnings on the Marriott Bonvoy Boundless are hard to beat for its annual fee. The card is best for anyone seeking out a card for hotel brand loyalty, as the card’s free night award each account anniversary and automatic Silver Elite status will have you choosing Marriott properties for your yearly escapades.

Welcome offer: Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening.

Rewards: Earn 6 points per dollar at participating Marriott Bonvoy hotels, 3 points per dollar spent each year (up to $6,000) on combined grocery stores, gas stations and dining purchases and 2 points per dollar on all other purchases.

Annual fee: $95


Methodology

Forbes Advisor looked at the welcome bonus offered by various cards and the value of the rewards earned by each card to determine the cards with the best welcome bonuses. We included cards offering various types of rewards including:

  • Cash back
  • Flexible rewards
  • Airline miles
  • Hotel points

We also considered cards with introductory APR offers on purchases and balance transfers as well as cards available to those with various credit profiles.

Read more: How Forbes Advisor Rates Credit Cards


Complete Guide to Sign-Up Bonuses on Credit Cards


What Are Sign-Up Bonuses on Credit Cards?

A sign-up bonus, also known as a sign-up offer, welcome offer or welcome bonus, is a reward offered by some issuers as an enticement to sign up for one of their credit cards. Because they’re intended to attract new customers, sign-up bonuses are more generous than what cardholders will earn for ongoing spending. A sign-up bonus can come as a cash offer, points, miles or whatever rewards are offered by the card.

Typically, an issuer will offer a sign-up bonus if you meet a minimum spending amount within a certain time period after opening a new account. In some cases, an issuer may offer a tiered sign-up bonus with an upfront reward after meeting a minimum spending amount and then an additional bonus after meeting an amount of spending within a longer timeframe.


How Does a Credit Card Sign-Up Bonus Work

Some credit cards offer sign-up bonuses to new cardholders who meet eligibility criteria. Typically, you’ll need to make a certain number of purchases—measured in either number of transactions or dollar amount—in order to earn your welcome offer. There may be other fine print as well, such as not already holding a similar credit card from the same issuer or for making a purchase from a specific merchant or purchase category.

These sign-up bonuses can be worth hundreds of dollars, depending on the card. They are a tool for card issuers to attract new customers and because of this, the offer is usually available a maximum of one time per person per card.

Welcome offers vary over time, so the offer available today may be different from what was offered on the same card in the past (or what may be available in the future).

How Can I Sign Up for a Credit Card?

Signing up for a credit card can be a great way to start building your credit score, but isn’t a decision to be taken lightly. The first step is to do some research and find a credit card that best fits your needs. You can compare benefits, rewards, interest rates and fees among cards using our lists, like the one above.

Once you’ve decided on the card you want, you can apply online or in person at the credit card issuer. To apply, you’ll need to provide some personal information, such as your Social Security number and income. You may also be asked to list any debts you have. The credit card issuer will then review your application and decide if you qualify. If you do, you’ll receive your card in 10 to 14 days or less and can typically start using it immediately after activation.

Should You Apply for a Credit Card With a Large Sign-Up Bonus?

Just as there’s no one right credit card for everyone, there’s also no sign-up bonus so perfect you must apply. Although a juicy welcome offer can be tempting, consider the attributes of the card beyond any initial points bonanza. Applying for a new card can temporarily ding your credit score so you want to be sure that any new card you open makes sense for your particular spending patterns and financial needs.

Pro Tip
Don’t spend beyond your means to earn a welcome bonus. Crunch the numbers to ensure the spending requirements attached to a welcome bonus are achievable with your current spending patterns. Overspending to reach a welcome bonus could risk a need to carry a balance and begin incurring interest.

Should You Keep the Card After Earning the Bonus?

Some issuers state in the card’s terms and conditions that they will claw back any welcome offers if you cancel your card within a certain time period. If you are considering canceling a card, be aware of how long the issuer stipulates you must keep your account open to keep your bonus.

If you find that a particular card doesn’t fit your spending patterns or if your needs have changed, consider other options before closing a credit card account. Some card issuers will allow you to transfer your available credit limit to another card held by that bank. If the card has no annual fee, it may make sense to leave the card open, but use another card with a better reward structure. Remember closing an account can hurt your credit.

If you show a pattern of opening and closing credit card accounts just to earn a welcome bonus—known as churning—issuers may consider you a risk and deem you ineligible for new accounts. Some issuers won’t give you a sign-up bonus on a card if you have carried it before, opened or closed the same card product within a certain period of time or opened any new accounts with that issuer or other issuers recently.


How To Earn a Credit Card Sign-Up Bonus

The terms for earning a credit card bonus are always spelled out on the card’s information page. Most often, you’ll earn the bonus by spending a set amount of money within a designated amount of time. Nearly all purchases count, though card fees and returned items do not add toward the minimum spending. Cash advances and balance transfers also won’t qualify.

It’s important to keep an eye on both your running purchase amounts and the timeline in question. If you’re off by one penny or one day, you’ll forfeit the bonus. When in doubt, you can contact your credit card company and ask if you’ve met the spending requirement.

Pro Tip
Plan to meet spending bonuses at least a couple of weeks before the deadline. This can give you a comfortable buffer time to ensure you meet the spending minimum.

How To Pick the Best Credit Card Bonus Offers

The welcome bonuses we highlighted above are the best ones available right now, but you can’t earn them all—and especially not all at once. These tips can help you figure out which card or cards to apply for first.

  • Consider issuer limitations. Some banks only allow you to hold a certain number of their cards at once or will deny you if you’ve applied for too many cards within a short period of time. Chase’s 5/24 rule is the most well known example of such a rule. If you just applied for several new cards within a short period of time, you may have to wait a while before jumping on another welcome bonus.
  • Compare the minimum spending requirements. Although a new welcome bonus can be tempting, you’re not getting something for nothing. If a card’s minimum spending requirement is outside of your budget, consider a welcome bonus with a lower minimum spending requirement.
  • Know what type of rewards you want. Do you have a specific goal in mind? Is your preference to earn rewards for travel or cash back? Earning rewards with a specific airline or hotel program is great, if you know you can use them. Otherwise, you may be better off sticking with a rewards program with flexible redemption options or cash back.
  • Consider annual fees. Cards with high annual fees typically offer perks that can make the expense worth it, but you’ll need to consider both the card’s benefits and if you’ll actually use them.
  • Decide whether you want a personal card or a business credit card. Do you want a personal credit card or a business credit card to keep your spending separate? It’s possible to have both types of cards, but you’ll ideally pick the card type that matches your planned use of the card.

How Much Can I Earn from Credit Card Bonuses

The amount one earns from credit card bonuses will hinge on multiple factors. First, it is a good rule of thumb to wait at least 90 days between credit card applications to avoid numerous credit report inquiries and potential dings to your credit score. The number of credit cards you are approved for in a given time period will determine the amount of bonuses you’re able to earn.

Further, earning a credit card bonus requires reaching a required amount of spending. Depending on your expenses, working toward multiple credit card bonuses at once could be a challenge. It is also a risky practice to run up a card just to hit the threshold for a sign-up bonus. This could result in unnecessary spending and increase the likelihood of carrying a balance, which would undermine the value of a bonus due to interest charges.

Overall, the sign-up bonus should be one factor in your decision to apply for a new card. Make sure to consider the value a card offers beyond the welcome bonus, especially if a credit card has an annual fee.

Pro Tip
Certain issuers, like Chase and Citi, have a sign-up bonus progress tracker that you can find by logging into your account online or on the mobile app. Other issuers like American Express and Bank of America don’t offer this functionality, meaning you’ll have to track your progress individually or reach out to customer service.

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.


Is a Credit Card Bonus Taxable?

Credit card welcome bonuses are typically considered a rebate on spending rather than as income, which means they aren’t taxable. However, some other forms of credit card rewards are taxable, in which case you’ll receive a 1099 tax form and need to include it when filing your taxes. If in doubt, please consult your tax professional.

Pro Tip
Many credit card issuers have a refer-a-friend program, in which you can earn additional rewards in exchange for referring someone to open a new account. In this case, the rewards you earn are taxable, as you are earning a form of commission from the credit card issuer in exchange for performing a service. Depending on how much you earn from referral bonuses, your issuer may send you a 1099 tax form.

Bottom Line

If you plan well, a sign-up bonus can be a nice cherry on top of an already useful new credit card. Just ensure that you can meet the obligations required to earn said bonus without overextending yourself financially.

To view rates and fees for The Platinum Card® from American Express, please visit this page.
To view rates and fees for the American Express® Gold Card please visit this page.
¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company


Frequently Asked Questions (FAQs)

Which credit card has the biggest sign-up bonus?

Credit card issuers change sign-up bonuses all the time. In general you’re likely to find the biggest welcome offers on premium cards that also carry mid- to high-range annual fees. Sometimes newly launched cards will offer large bonuses to new cardmembers for a limited period of time after the launch.

In many cases a card’s welcome offer can outweigh the first-year cost of ownership, although every card’s offer is different. To stay up-to-date on the credit cards with the biggest sign-up bonuses, check this list from Forbes Advisor regularly.

What is the easiest credit card bonus to earn?

The easiest bonuses to earn are those with the simplest, least-expensive requirements to obtain. Some cards offer bonuses simply for activating the card and using it one time, making it a very easy credit card bonus to earn. Many of the larger bonuses have more stringent terms and higher spending requirements.

Can you open multiple credit cards at the same time to earn more sign-up bonuses?

Yes, you can earn multiple credit cards at the same time to earn multiple sign-up bonuses, but it may depend on the specific cards you’re considering. For example, the Chase Sapphire cards will only approve you for one Sapphire Card, so you can only have the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, but not both. American Express is another issuer that has clearly stated it won’t allow multiple welcome offers on the same card over time or even several different cards within too short of a time period.

You can typically apply for cards from different banks within a short period of time, or even on the same day. If you apply for multiple cards at once, be sure you can meet the minimum spending requirements for all cards without carrying a balance as interest charges will quickly outpace the value of any rewards earned.

Which purchases don’t count toward the spending requirement for a sign-up bonus?

In general, only purchases of eligible goods and services will count for the spending requirement and be eligible for rewards. Spending that will likely not count includes fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents.

How do you judge the value of a sign-up bonus?

When it comes to credit card rewards, not all points are created equal. For example, a card that offers a 100,000 hotel point sign-up bonus may yield $500 in value while a card providing a 60,000 point bonus awarded in airline miles could provide $800 in value. In other words, the number attached to the bonus advertisement doesn’t tell you everything you need to know about the actual value of a bonus, especially if it’s in points or miles.

To judge the value of a sign-up bonus, you’ll need to know the value of an individual point in that program or currency. Taking some time to learn your redemption options will help you determine the likely value of the overall bonus.

You should also consider if you have a use for the rewards being offered on a particular card. A big stash of hotel points doesn’t mean much if you rarely travel or prefer Airbnbs over hotels. In general, cash back is the most flexible reward since you can use it any where you’d like.

How do you know when you’ve earned the sign-up bonus?

If you’ve met a minimum spending threshold within the required amount of time, you should expect to see your bonus in your account within six to 12 weeks, depending on the issuer. Many bonuses are posted in the statement period following the period during which the bonus was earned. If that amount of time has passed and you don’t see the bonus in your rewards account, contact your issuer.

What credit score do I need to apply for a sign-up bonus?

Most cards offering generous welcome bonuses will require good or excellent credit, but you may be able to find cards on the market offering welcome bonuses to those with fair credit. Be sure to thoroughly read the terms and conditions of any card before you apply—pay particular attention to the APRs, any fees, and exclusions on rewards earnings.

How can you get the same credit card sign-up bonuses again?

Some cards will allow you to get the same sign-up bonus again, though many will not. You’ll want to check the rules about whether you’re eligible for a second bonus on the same card before applying.

On cards that allow you a second welcome offer, it’s common to only provide the bonus to cardholders who closed the card a while ago and are now a returning customer. The length of time to wait may be several years.

Assuming you’re eligible, getting the same credit card sign-up bonus again is as simple as applying for the card, getting approved and meeting any requirements for the bonus.

Is it worth getting a credit card for the sign-up bonus?

While a sign-up bonus might be one factor in your decision-making process, the offer alone should not be the reason you get a credit card. Opening a credit card will impact your credit score and your personal finances, especially if you’re temped to overspend or fall late on your payments. Additionally, you should look at the big picture when choosing a specific card. Ongoing rewards, benefits, fee structures and built-in protections are also important considerations.


Next Up In Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Marriott Bonvoy Boundless® Credit Card. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 60,000 bonus points after you spend $4,000 in purchases with your card within 3 months of account opening; redeemable for $600 in gift cards at thankyou.com
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.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. 
Limited time offer! Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. 5x Avios on up to $10k in gas, grocery stores, and dining purchases in your first year!
Earn 3 Free Night Awards after spending $3,000 on purchases in the first 3 months of account opening.
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