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Save Article Icon A bookmarkAffiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
The information for the following product(s) has been collected independently by Business Insider: Citi Strata Premier℠ Card, Marriott Bonvoy Boundless® Credit Card. The details for these products have not been reviewed or provided by the issuer.
The quickest way to boost your stash of points and miles is by applying for a credit card with a large welcome offer, also known as a sign-up bonus. These bonuses are for new cardholders who reach a minimum spending requirement in a specified timeframe — typically three to six months.
The rewards are well worth the effort, especially if you have some large purchases coming up or can strategize your monthly expenses to reach the requirements.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.
Annual Fee Intro APR Regular APR 21.49% - 28.49% Variable Intro Offer60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Earn 60,000 bonus points Recommended CreditRecommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to ExcellentIf you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Annual Fee See Rates and Fees Intro APR Regular APR See Pay Over Time APR Intro Offer80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership
Earn 80,000 Membership Rewards® points Recommended Credit Good to ExcellentIf you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Annual Fee See Rates and Fees Intro APR Regular APR See Pay Over Time APR Intro Offer60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (Limited time offer. Offer ends 11/6/24)
Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)
Recommended Credit Good to ExcellentFoodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Annual Fee $0 intro for the first year, then $95 Intro APR 0% intro APR for 12 months on purchases and balance transfers from the date of account opening Regular APR 19.24% - 29.99% Variable Intro Offer$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening
Earn a $250 statement credit Recommended Credit Good to ExcellentThe Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5x miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Annual Fee Intro APR Regular APR 19.99% - 29.99% variable Intro Offer 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening Earn 75,000 bonus miles Recommended Credit Good to ExcellentIf you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.
Annual Fee Intro APR Regular APR 21.24% - 29.24% variable Intro Offer 75,000 bonus points after spending $4,000 in the first three months of account opening Earn 75,000 bonus points Recommended Credit Good to ExcellentA five pointed star
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines. Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the card.
Annual Fee Intro APR Regular APR 20.99% - 29.99% Variable Intro OfferEarn 185,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership
Earn 185,000 Marriott Bonvoy® bonus points Recommended Credit Good to ExcellentIf you're loyal to Marriott, the Marriott Bonvoy Brilliant® American Express® Card can help you save money and improve your stays, thanks to automatic Marriott Platinum Elite status and lots of opportunities to earn additional points.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn up to 17X points on purchases at hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.
Annual Fee Intro APR Regular APR 21.49% - 28.49% Variable Intro Offer3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening
Earn 3 Free Night Awards (each night valued up to 50,000 points) Recommended Credit Good to ExcellentIf you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.
The sign-up bonus is one of the best perks anyone can get from a new credit card. These bonuses, also called welcome offers, can singlehandedly cover a round-trip business-class flight or several nights in some of the best hotels in the world — and the best cards offer travel and purchase protections and benefits that extend far beyond the lifespan of your initial rewards.
Business Insider's team of credit card experts combed through all of the welcome bonus offers available right now, and pulled together this list of the best credit cards with generous sign-up bonuses for 2024.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.
Annual Fee Intro APR Regular APR 21.49% - 28.49% Variable Intro Offer60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Earn 60,000 bonus points Recommended CreditRecommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to ExcellentIf you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
You can't go wrong with the Chase Sapphire Preferred® Card. Not only is this card our pick for best travel credit card, it's one of the best to start with if you're new to credit card rewards (or if you don't want to pay the whopping $550 annual fee on its premium sibling, the Chase Sapphire Reserve®).
The card currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. You can find out more about the card in our full Chase Sapphire Preferred card review.
The Chase Sapphire Preferred® Card comes with a 10% anniversary points bonus and up to $50 per year in statement credits for hotels booked through Chase. If you maximize this credit, you can shave off more than half of the card's annual fee.
The great thing about Chase Ultimate Rewards® points is their flexibility — redemption options include booking travel directly through the Chase Travel℠ Portal, transferring points to travel partners like United and Marriott, or cashing in rewards for statement credits, gift cards, and merchandise.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Annual Fee See Rates and Fees Intro APR Regular APR See Pay Over Time APR Intro Offer80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership
Earn 80,000 Membership Rewards® points Recommended Credit Good to ExcellentIf you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.
The Platinum Card® from American Express is offering a solid welcome bonus: 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership.
You can get hundreds of dollars in value from benefits you enroll in such as up to $200 in Uber credits (including Uber Eats) per year and up to $100 in annual Saks Fifth Avenue credits. The Platinum Card® from American Express also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers (enrollment required).
The Platinum Card® from American Express comes with valuable benefits, including up to $300 annually in Equinox credits**, $199 per year in credits for CLEAR® Plus membership**, up to $200 per year in credits toward eligible prepaid hotel bookings, up to $240 in annual credits toward eligible digital subscriptions**, a monthly credit for Walmart+ membership**, and up to $300 back for purchasing a SoulCycle At-Home Bike through Equinox+.
Travelers can take advantage of up to $200 in airline incidental fee credits** each calendar year, airport lounge access, complimentary hotel elite status with Hilton and Marriott**, travel insurance, and access to Amex Fine Hotels and Resorts. You can use the Amex Membership Rewards points you'll earn with the card to book flights, hotels, and more through American Express Travel, or transfer points to airline and hotel partners like Delta, British Airways, and Marriott.
The annual fee is $695. However, if you can put these new perks to use, you can get thousands of dollars worth of value from The Platinum Card® from American Express.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Annual Fee See Rates and Fees Intro APR Regular APR See Pay Over Time APR Intro Offer60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (Limited time offer. Offer ends 11/6/24)
Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)
Recommended Credit Good to ExcellentFoodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.
The American Express® Gold Card is sometimes overlooked as the "kid brother" to its Platinum siblings, but it's actually one of our favorite rewards cards, especially for dining. You'll earn 4x points at restaurants up to $50,000 per year (then 1x) and up to $120 in annual dining credits after enrollment that you can use at select restaurants and on Grubhub and Seamless.
It also offers up to $120 Uber Cash ($10 per month credit) each calendar year (this is only applicable to U.S. Eats orders and Rides, and the Gold Card must be a method of payment in your Uber account to receive the Uber Cash benefit).
The card didn't always come with an attention-grabbing welcome bonus offer. But it's now increased its intro offer to 60,000 Membership Rewards® points after spending $6,000 on eligible purchases on your new card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (offer ends 11/6/24). Considering you can transfer your Amex points to nearly two dozen travel partners, these points can unlock many options for flights or hotel stays.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Annual Fee $0 intro for the first year, then $95 Intro APR 0% intro APR for 12 months on purchases and balance transfers from the date of account opening Regular APR 19.24% - 29.99% Variable Intro Offer$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening
Earn a $250 statement credit Recommended Credit Good to ExcellentThe Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.
If you like earning cash back and spend a lot on groceries and streaming services, the Blue Cash Preferred® Card from American Express is tough to beat. It's now offering a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening, and earns 6% back at U.S. supermarkets on up to $6,000 in spending per calendar year (then 1%).
You'll also earn 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses); and 1% cash back on everything else. You'll receive cash back in the form of Reward Dollars, which can be redeemed as statement credits or at Amazon.com checkout.
If you max out the $6,000 limit at U.S. supermarkets, you could earn $360 in cash back each year just from that category alone — that's more than enough to offset the annual fee of $0 intro for the first year, then $95.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 5x miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Annual Fee Intro APR Regular APR 19.99% - 29.99% variable Intro Offer 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening Earn 75,000 bonus miles Recommended Credit Good to ExcellentIf you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
The Capital One Venture Rewards Credit Card a earns a generous welcome bonus of 75,000 miles once you spend $4,000 on purchases within the first three months of account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles.
The Capital One Venture Rewards Credit Card is a great mid-tier travel credit card that offers benefits most people can take advantage of, even if they don't hit the road very often. This card earns an unlimited 2x on everything and comes with rental car insurance. You'll also receive other benefits such as a complimentary Hertz rental car elite status and a statement credit of up to $120 toward Global Entry or TSA PreCheck® verification every four years, which can greatly ease your airport security experience.
Like other cards that earn Capital One miles, you can transfer your welcome offer rewards to more than a dozen airline and hotel partners to book award travel. You can also book flights, hotels, and rental cars directly through the Capital One travel portal.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.
Annual Fee Intro APR Regular APR 21.24% - 29.24% variable Intro Offer 75,000 bonus points after spending $4,000 in the first three months of account opening Earn 75,000 bonus points Recommended Credit Good to ExcellentThe Citi Strata Premier℠ Card is another card that doesn't always get the attention it deserves. It earns Citi ThankYou Rewards points that you can redeem for travel booked through the Citi Travel Portal, transfer to airline and hotel partners, or cash in for statement credits, gift cards, or merchandise.
In addition to offering a bonus of 75,000 bonus points after spending $4,000 in the first three months of account opening, the Citi Strata Premier℠ Card stands out for its wide range of bonus categories. Outside of the welcome bonus earning, cardholders earn 3 points per dollar at restaurants and supermarkets. This makes the card a great option for maximizing your everyday purchases — because everyone has to eat.
The Citi Strata Premier℠ Card also comes with a hotel savings benefit that can offset its entire $95 annual fee. This perk will save you $100 once per calendar year when you book a hotel stay of $500 or more (excluding taxes and fees) through ThankYou.com.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines. Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the card.
Annual Fee Intro APR Regular APR 20.99% - 29.99% Variable Intro OfferEarn 185,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership
Earn 185,000 Marriott Bonvoy® bonus points Recommended Credit Good to ExcellentIf you're loyal to Marriott, the Marriott Bonvoy Brilliant® American Express® Card can help you save money and improve your stays, thanks to automatic Marriott Platinum Elite status and lots of opportunities to earn additional points.
The Marriott Bonvoy Brilliant® American Express® Card is the best heavy hitter for Marriott enthusiasts. This metal credit card packs a real punch, with benefits as generous as its annual fee of $650 is hefty.
Right now, you can earn a whopper of a welcome bonus: 185,000 Marriott Bonvoy® bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership. This is worth $1,295 by Business Insider's valuations.
Beyond the windfall of the welcome offer, Bonvoy Brilliant cardholders also enjoy up to $25 in eligible restaurant statement credits per month, generous travel benefits, including baggage insurance, rental car insurance, and a slew of other premium card benefits.
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Icon of check mark inside a promo stamp It indicates a confirmed selection.Perks Earn up to 17X points on purchases at hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.
Annual Fee Intro APR Regular APR 21.49% - 28.49% Variable Intro Offer3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening
Earn 3 Free Night Awards (each night valued up to 50,000 points) Recommended Credit Good to ExcellentIf you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.
The Marriott Bonvoy Boundless® Credit Card is the younger sibling of the Marriott Bonvoy Brilliant® American Express® Card, with fewer benefits and a significantly lower annual fee. This card is perfect for travelers who occasionally stay at Marriott properties but don't need all the bells and whistles of premium elite benefits.
This card made our list of top credit cards for sign-up bonuses because it has a welcome offer of $95, worth $1,050 by Business Insider's valuations. This offer is especially generous because it's nearly as great as that of the Marriott Bonvoy Brilliant® American Express® Card, but with annual fee savings worth hundreds of dollars.
What is a sign-up bonus? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
A sign-up bonus, also known as a welcome bonus or intro offer, is a reward of points, miles, or cash back for new cardholders who meet designated requirements. Usually, these requirements involve meeting a minimum spending threshold within the first few months after you open your new credit card account.
Do credit card sign-up bonuses change? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Yes, credit card sign-up bonuses change frequently. If you're considering opening a new rewards credit card, do your research to see whether the card you want has previously offered a higher bonus. If it has, it could be worth waiting until that elevated offer returns, or you may even be able to find that higher offer through the credit card issuer's website.
What is the best credit card sign-up bonus? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
The best credit card sign-up bonus depends on the person. Even if one card offers more points, not all points and miles are valued equally. There are also different types of credit card rewards — points, miles, and cash back — so the best welcome bonus for you depends on the rewards you value most.
How can I use a credit card sign-up bonus? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Typically, you can use a credit card sign-up bonus in a variety of ways. If you earn a cash-back welcome bonus, you could be able to use it toward a statement credit to reduce your credit card bill, or you could receive the money in check form. With a travel rewards card, you could use your points or miles to book an award trip, or cash them out for gift cards, money back, or merchandise.The exact options depend on the credit card you have and its specific rewards program.
Is a credit card without a sign-up bonus still worth it? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Yes, a credit card without a sign-up bonus is still worth it. Intro offers can be a great incentive to apply, especially if you're looking at a card that has an annual fee, but not every good credit card offers an intro bonus. For example, the Wells Fargo Reflect® Card is one of the best balance transfer credit cards, but it doesn't offer a welcome bonus or earn rewards. It could be worth forgoing an intro bonus if that card's 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, or 29.99% variable APR) appeals to you.
Should I earn credit card rewards if I don't plan to travel yet? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Yes, you should earn credit card rewards even if you don't have upcoming travel planned. Earning a welcome bonus now can put you in a great position to use points and miles for your next vacation, whenever that may be. But before you apply for a new credit card, make sure you understand how credit card applications affect your credit score.
Business Insider carefully evaluates the potential value of welcome bonuses and categorizes them according to which profile each will best serve. We also look at the ongoing benefits and earning rates of these cards, but our chief goal is to uncover the biggest, juiciest intro offers.
Our credit cards team is primarily concerned about one thing: that you open the right credit card for your lifestyle. There are lots of excellent credit cards out there (and just as many bad ones) — but even a credit card with an enormous value proposition isn't necessarily for you. Our job is to help you find the perfect product for your unique situation.
Jasmin Baron was an editor at Insider, responsible for credit card coverage on Business Insider. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.
Read more Read lessAngela Fung is the Compliance Manager for Business Insider's Personal Finance division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
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5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank’s discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.
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