Posted by William Charles on February 16, 2018
Credit Cards

Published on February 16th, 2018 | by William Charles


Best Current Credit Card Sign Up Bonuses & Offers For September, 2018

A list of the best current credit card sign up bonuses & offers for September, 2018. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).

Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.

A few final thoughts before we get to this list:

  • There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
  • I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
  • I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly.
  • If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.

Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.


Personal Cards

These cards are listed in order from absolute best to best (e.g the better cards are at the top).

Wells Fargo Propel World 40,000 Points In Branch Or Phone

Our review of this bonus & method in branch or by phone

This card isn’t available online anymore and I can’t see it being available in branch for too much longer either. Card also comes with $100 in travel reimbursements each year and the annual fee of $175 is waived the first year as well. Points are worth 1¢ each so this bonus is worth $400 + the $100 in travel reimbursements. We’ve put this card is #1 as it seems likely it will become unavailable after March 31st, 2018.

Platinum 100,000 Point Offer

Read our review of this offer | Another way to get this offer

Not everybody is able to get this offer to show, but if you are then it’s a great offer. Just keep in mind it does have a massive $550 annual fee, but for that you get good lounge access, $200 in airline incidentals per calendar year (so you can get it twice and only pay the annual fee once) and $200 in Uber credits per card member year as well. Obviously not for everybody, but if you can maximize those airline incidentals then this is a really great offer. There is also an upgrade offer of 60,000 points without the lifetime language, unfortunately that is targeted.

Citi American Airlines 50,000 Miles + $200 (Get Matched To 75,000 Miles)

Read our review of this offer

50,000 miles + $200 is already good, but the  real beauty of this offer is that they are accepting matches to a 75,000 mile bonus when you ask (and you keep the $200 statement credit). Doesn’t really get any better than this.

Citi ThankYou Premier – 60,000 Points

Read our full review

Citi has been cutting back how often sign up bonuses are offered on their ThankYou point earning cards, this is as high as the bonus gets on this card. Some people might prefer to wait for the 75,000 point offer on the Citi Prestige due to the 24 month rule, but that isn’t being currently offered and isn’t clear when (or if) it will return. We discuss what the better option is for you in this detailed post.

Barclays Arrival – 60,000 Points

Read our full review

Annual fee of $89 isn’t waived, but this is the highest bonus we’ve seen on this card. Previous offers of 50,000 points + $89 annual fee waived with a lower minimum spending requirement might have been better but who knows when we will see such an offer again with the introduction of the Arrival Premier.

Bank of America Premium Rewards 50,000 Points + $100 Travel Credit

Link to our review of this card

Card comes with a 50,000 point sign up bonus worth $500 towards statement credit. In addition you get a $100 travel credit each calendar year, downside is that this can only be used on domestic originated flights (not sure how or if this is actually enforced yet) and a $95 annual fee.

Capital One Savor $500 Cash Bonus

Link to our review of this offer

Card comes with a $500 cash bonus. $95 annual fee is waived the first year.

Barclays Wyndham 45,000 Points

Link to our review of this offer

All Wyndham properties cost 15,000 points per night, this means this bonus is enough for three free nights at any Wyndham property worldwide.

Bank of America Alaska Airlines 30,000 Miles + $100 Statement Credit

Link to our review of the offer

The real value here is the fact that Bank of America allows you to combine inquiries. That means you can pair this bonus with another Bank of America card (or two) and only receive the single hard pull.

AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee

Read our review

Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.

City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus

Read our review

Annual fee on this card is no longer waived, but the 50,000 bonus is really only the start. The real bonus is being able to add up to three authorized users for free. They, along with the primary cardholder get an annual travel credit of $250 (per calendar year). That’s basically $1,000 in travel credits per calendar year.

Navy Federal Credit Union 50,000 Point Bonus

Membership is restricted, basically need to be in the military or family member who is. Full details on that here. 50,000 point bonus is by far the biggest we’ve seen on this card and worth $500 cash. Worth considering if you’re eligible.

American Express Hilton Ascend – 100,000 Points + Free Night Certificate On Card Anniversary

Read our review

We’ve seen bonuses of 125,000 points before. This is a better bonus if you highly value the free weekend night certificate. Keep in mind you’d need to pay the second year annual fee ($95) to get that free night certificate. You can also get another free night certificate if you spend $15,000 within a calendar year.


Discover it – $50 + Double Cash Back

Get bonus here

The sign up bonus on this card is low ($50 when you use a referral) but the real bonus is that after the first year you get your cash back doubled for that year (not including the $50 referral bonus). This card has 5% rotating categories (up to $1,500 in spend per quarter), this means you’ll get 10% cash back on those categories. This card really only makes sense if you’ll be able to max out those categories at least some of the time.

Read our review.

U.S. Bank FlexPerks Gold American Express – 30,000 Points

Read our review

Relatively new card, points are worth $300 in cash or up to $450 in airfare/hotels so some good value to be had here with a nice fallback cash redemption option as well. Annual fee of $85 is not waived in the first year, but it does also earn 3x points for restaurant purchases.

PenFed Pathfinder Rewards American Express – 25,000 Points

Read our review

Not the biggest bonus, but it does come with a $100 annual travel credit statement and there is no annual fee so there should be good long term value to keeping this card.

Chase Disney $200 Statement Credit

Read our review

Definitely the smallest bonus on this list, but when you use a referral link the person’s link you use also receives a $100 Disney gift card. Usually this bonus is a $200 Disney gift card and the person referring you receives a $50 gift card, so significantly better than normal. It’s also not subject to the Chase 5/24 rule.

Business Card Bonuses

American Express Business Platinum 100,000 Points

Our review of this bonus

This is a super old way to get this bonus and it doesn’t work for everybody but this is basically as good as it gets for this card apart from high spend targeted offers.

American Express Business Gold Rewards 75,000 Points

Our review of this bonus

Similar to the above offer this requires calling in to receive it. 25,000 points more than the standard bonus on this card but does require an additional $5,000 in spend.

Chase Ink Preferred – 100,000 Points

Our review of this bonus

Requires going in branch to get this offer. You should be able to get this bonus even if you’re not a business managed customer and if you can get them to submit a paper application it should by pass Chase 5/24.


Wells Fargo Business Platinum $500

Our review of this bonus

Nice bonus and shouldn’t affect your eligibility for a personal Wells Fargo card. Looks like you need to have had a checking account open with them for at least 12 months to be able to successfully apply though.

Citi American Airlines 60,000 Miles (Get Matched To 75,000 Miles)

Our review of this bonus

Similar to the personal bonus. Again the real beauty of these offers is the ability to get matched to the 75,000 mile offers. Might also be able to go for 50,000 miles + $200 statement credit and then match to 70,000 miles.

Barclays Aviator Business 60,000 Miles

Our review of this bonus

Standard bonus on this card is 40,000 miles, we’ve seen 50,000 miles but this new 60,000 mile offer is the highest bonus we’ve seen.

American Express Business Delta Platinum – 70,000 Miles + $100 Statement Credit + 10,000 MQM

Read our review

This is the highest bonus we’ve seen on this card. It’ll be more attractive for those who can use the MQM, but still a good card overall. Make sure you have plans for your Delta miles as they are known for stealth devaluations as they no longer publish an award chart. There is also a business version of this card offering the same bonus.

Chase Ink Cash – $500

Read our review

Standard sign up bonus is only $300, it has been possible to get $500 by applying through a business relationship manager for some time but that won’t be available to everybody so this offer is useful. Keep in mind this card does not count towards your Chase 5/24 total, but the Chase 5/24 rule does apply.

Barclays JetBlue 50,000 Points

Our review of this bonus

Standard bonus on this card is 30,000 points and we’ve seen a bonus of 40,000 in the past but this is the new highest offer. We have seen a bonus of 60,000 points on the personal card, so it might make sense to wait out a better offer but at least in the short to medium term I don’t see that happening.

American Express Hilton Business Card – 125,000 Points + $50

Read our review

Previous offer on this card was 100,000 points. I don’t see it going any higher than 125,000 points in the short to medium term so if you have a need for Hilton points then this card is worth signing up for. Also a nice extra $50 when doing a dummy booking via Hilton.

AmaZing Business Credit Card – $500 or $1,000 TX, CA, CO & UT

Read our review

Really nice big bonuses, but from relatively unknown banks. The links you need to use will vary based on the state. Read our review and the comments for more information.

Recent Changes

I thought it would be useful to list when and why I make changes here.

Final Thoughts

I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?

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Thanks, great article with a helpful round-up. Just a small clarification: the Citi Prestige has a $250 airline credit, not a $300 travel credit.

nice job! I’ve been hopeful that you would compile an aggregate list of CCs like this because I think this site does a better job of giving an honest and succinct viewpoint then your blog competitors

No mention of Starwood and Marriott cards that are now eligible to be combined?Some really sweet possibilities there.

I’m not sure I agree with your take on Sky Miles. Granted, they’re clearly the least valuable of the legacies, but Pay With Miles provides a floor that gives a minimum value of $500/$700+ on some of those Delta cards. The increased offers going on make them must-looks if you ask me.

A lot of people, myself included, soured on Delta with their unannounced devaluations and generally shady practices when it comes to their frequent flier program. That being said, Delta generally gets good reviews for their service and they have a ton of non-stops from ATL, CVG, DTW, LAX, MSP, JFK, LGA, and SLC.

In my opinion the Delta Gold Personal card should not be applied for unless you are targeted for the 75k offer. However, the Delta Platinum Personal probably deserves a spot above the IHG card on your list and I think both versions of the Business card deserve spots at the bottom of your list (below SWRR).

I thought on the Amex Business Plat the total spend was $15k in total, not 10k? Although it would be great if it were! Thanks for compiling this list!

Looks good! Pretty sure the Amex Platinum Business is $15,000 total. $5,000 first 50k points, $10,000 for second 50k set.

CFU higher than CSR. Wowza

Under “Personal Cards” I think you meant to write “best to worst” instead of “best to best”.

I never saw the 100k/125k AmEx Hilton links. Do you have those?

GASP! This improves my life greatly. TY!!!!

Merrill Lynch MERRILL+ Visa

Dad’s application submitted about an hour ago and received a call from their consideration line 866-224-7803, was approved instantly over the phone. 5K credit line. Like mine, he has Experian frozen and asked them to pull from Trans Union instead, 745 on trans Union via Credit Karma. It appears that 5K is the lowest credit line but it is totally fine because only the sign up bonus matters.

It looks to me that Merril Lynch is very aggressive on getting ppl using their credit card, therefore approving without even mentioning on short credit history or number of hard inquiries in report. Funny thing is that my Dad previously did not even get approved for BofA’s cash reward credit card.

typo: reconsideration line

Newbie here so i apologize in advance if this is a dumb question, but I’ve been seeing a lot of ppl saying they’ve frozen their accounts. I assume it’s because that score is lower than the others? So i guess I have 3 questions: Does this strategy work with all banks? What exactly do you give for the reason it’s frozen when you talk to the recon line? Is it only Experian this strategy works for or can i use it for my lowest score which is equifax? Thanks for any insight…

No love for Spark Cash? $500 cash after $4500 in spend….better spend then the amex $500 bonus plus 2% on everything.

Pays out immediately too – before the statement even closes!

I am leaning more toward the CSP if I can get a Chase in branch preapproval vs CSR. Adjusting the reward vs AF and not having to game the $300.00 travel credits when I will not be traveling just makes more sense to me. 7/12 Currently. One new business card on top of that which has not had time to hit the credit bureaus if it does.

The problem is I do not see enough sizzle in anything out there to drool about except the CSP or CSR. At the rate I am going, I may be a one year wonder as very little pumps my juices for 2017 in terms of new credit cards or bank accounts.

You should still be able to get matched to the 70k in branch offer for the Ink Plus.

WC: I think you did a great job breaking this down. Thanks! 🙂

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