Best Current Credit Card Sign Up Bonuses & Offers For December, 2020

A list of the best current credit card sign up bonuses & offers for December, 2020. 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 on the individual review pages.
  • 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.

Contents

Personal Cards

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

American Express Platinum 100,000 Points + 10x On Gas & Grocery

Read our full review

There is also the same deal but for 125,000 points that some people are eligible for. Obviously an incredible offer.

Barclays jetBlue Plus 100,000 Points

Read our full review

40,000 bonus points more than the previous bonus on this card. Doesn’t require a huge minimum spend either and can also get 100,000 points on the business card.

U.S. Bank Altitude Reserve – 50,000 Points

Read our full review

Card has always offered the same bonus, but it’s still worth up to $750 so should be seriously considered. The bonus did actually get better when they added real time rewards meaning you didn’t need to use the U.S. bank travel portal to get 1.5¢ in value.

Capital One Venture – 100,000 Points

Read our full review

Standard offer is 40,000 or 50,000. This bonus has two tiers with 50,000 points on $3,000 spend within 3 months, and a second tier of an additional 50,000 points if you spend an additional $17,000 within the entire first year. They’ve also made it easier to redeem points temporarily, making now a good time for this card.

Wells Fargo Propel World 40,000 Point Bonus

Read our full review

This is really so high because you need to call in/go to a branch to get this offer and we suspect it will be removed completely at some stage. That being said we’ve thought that for a long time now, so it’s entirely possible that won’t be the case. Points are worth 1¢ each so this bonus is worth $400 + $100 in reimbursements.

Citi Premier – 60,000 Points Or 65,000

Read our full review

$95 annual fee isn’t waived on this one, but it’s still a pretty good offer. Can be transferred to travel partners or used for up to $750 in air travel. You can get an additional 5,000 points by applying in branch.

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.

Chase IHG 140,000 Points + $50 + Annual Fee Waived First Year

Read our review

This is the biggest bonus we’ve seen on this card, in addition the annual fee is waived this time for the first year (normally $89) and you get a $50 statement credit.

Bank of America Alaska 40,000 Miles + $100 or 65,000 Mile Offer

Read our review (40,000 miles + $100 or 65,000 miles)

Previous best on this bonus has been 40,000 miles or 30,000 miles + $100. Really strong offer if you highly value Alaska miles.

Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA

Read our review

50,000 points after $5,000 in spend. Worth $600 in gift cards or $650 in flights

BBVA Select – $500 Cash Bonus – AL, FL, TX, AZ, CO, CA, NM

Direct link to offer

Requires $4,000 in spend. A lot of people are trying to focus on cash sign up bonus at the moment.

U.S. Bank Radisson Rewards 125,000 Points

Direct link to offer

Radisson has some great European properties that are priced affordably. This is the highest we’ve ever seen this bonus, previously best was 120,000 points.

Chase United Explorer 70,000 Miles, $95 Annual Fee Waived First Year

Read our review of this offer

Highest bonus we’ve ever sene on this card.

Capital One Savor $300 Cash Bonus – $95 Annual Fee

Link to our review of this offer

Card comes with a $300 cash bonus. $95 annual fee is no longer waived the first year. At launch the offer was $500, so might not be worth getting right now.

American Express Gold 35,000 Points + 20% On Restaurants ($250 Max)

Read our review of this offer

High on this bonus is 50,000 points so it depends if you prefer the extra 15,000 points or the 20% on restaurants.

Bank of America Air France/KLM FlyingBlue 50,000 Miles + $150 Statement Credit

Read our review of this offer

Previously this was 50,000 miles, but now coming with a $150 statement credit as well.

American Express Cash Magnet – $300 Bonus

Read our review of this offer

This si the biggest bonus we’ve seen on this card so far.

Star Trek – $300 Cash Bonus – $39 Annual Fee

Read our review of this offer

Requires $2,000 in spend and the annual fee is not waived the first year.

Discover it – $50 + Double Cash Back

Get bonus here | Read our review.

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.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Nice big bonus, spend of requirement of $5,000 is required. They also offer business cards now as well (see below)

Barclays Choice Privileges 50,000 Points

Read our review

We’ve seen an offer for 64,000 points in the past so might be worth waiting for that bigger bonus to return.

FNBO FordPass – $100 + $200 Annually

Read our review

This card has a $100 sign up bonus, you can also get $200 annually when you spend $6,000 or more.

Discover it Miles $100

Read our review

Offer only available via a referral. The nice thing about this card is cash back earned is double the first year (unfortunately the sign up bonus doesn’t double), meaning this card earns 3% cash back on all purchases during that first year.

Chase Freedom/Chase Freedom Unlimited $200 Bonuses + 5% On Grocery

Read our review

5/24 does apply to this card, I’d recommend getting the higher value Chase bonuses first. Standard bonus on these cards is $150, so this is only slightly higher than normal. Still might be worth doing for people under 5/24 that have already done other Chase bonuses and looking for something with a low minimum spend requirement. You also get 5% cash back on grocery purchases for the first year, up to $12,000 in spend.

American Express Marriott Bonvoy Brilliant 100,000 Points + Platinum Status

Read our review

100,000 points is the standard increased offer on this card, but this comes with the platinum elite status that might be useful for some readers and also 25,000 bonus points on card anniversary.

VantageWest $400 Bonus + 5% Categories – AZ Only

Read our review

This also requires opening a checking account. Bonus is worth doing because the card earns 5% cash back in rotating categories as well.

U.S. Bank Cash+ $200 Bonus

Read our review

This allows lets you choose two 5% categories as well.

American Express Schwab Investor Card $200 Bonus

Read our review

Normally this is $100, but sometimes we see it increased to $200.

Citi Double Cash $100 Bonus – In Branch

Read our review

Normally we don’t see any sign up bonus on the Citi Double Cash, so this is better than normal. In addition you can transfer cash rewards from this card to Citi travel partners if you have a Prestige/Premier from Citi.

Business Card Bonuses

Chase Ink Preferred 100,000 Points

Read our review

The biggest of the Chase Ink bonuses, but does require $15,000 in spend within the first three months.

U.S. Bank Leverage Business Card – $750

Read our review

Requires $7,500 in spend, but still a nice big cash sign up bonus.

Barclays jetBlue Business 100,000 Points

Read our review

Same bonus as the personal card. Barclays does require business documents in some cases, but not always.

Wells Fargo Business Platinum – $500

Read our review

Nice and simple $500 bonus for $5,000 in spend. Deal becomes even better when you pair it with a new Wells Fargo business checking bonus of $500 or $1,000.

Barclays Aviator Business 75,000 Mile Offer

Read our review

Requires adding an employee card for 10,000 miles of the offer, but still a fantastic bonus even without that portion.

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.

Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points

Read our review

This is the standard bonus on this card, we’ve never seen a higher or lower bonus as far as I’m aware. Similar to the United card above this does not count towards your 5/24 status but the 5/24 rule does still apply to this card. As long as you already have another Chase UR earning card with an annual fee you can transfer these points to Chase’s travel partners.

Bank of America Alaska Airlines 40,000 Miles + $200

Read our review

Previous best deal was 42,000 miles + $100, this is 2,000 less miles but an extra $100.

Bank of America Cash Rewards – $500

Read our review

Require $5,000 spend. Previously this was targeted, but there’s now a public signup link. Mainly useful for the signup bonus.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Requires $5,000 in spend, they also have a personal credit card offering the same bonus.

Chase Southwest Business Performance 100,000 Points

Read our review

Requires a massive $25,000 in spend but the points from that spend and the sign up bonus are enough to get a companion pass.

PNC BusinessOptions $750 Bonus – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Read our review

Nice big bonus, downside is that it requires spending $25,000 or more in the first three billing cycles.

Barclays Hawaiian Business 70,000 Miles

Direct link to offer

Requires adding an employee to get the full bonus, but a great bonus if you value Hawaiian miles highly.

Marriott Bonvoy American Express Business 100,000 Points + $150 Advertising Credit + Platinum Elite Status

Read our review

100,000 points is the standard increased offer on this card, but this comes with the $150 advertising credit and platinum elite status that might be useful for some readers.

American Express Blue Business Cash $500 Bonus

Read our review

Deal requires $15,000 in total spending for the full bonus, but the upside is that this card earns 2% cash back on up to $50,000 annually.

YMMV/Targeted Offers

We’ve decided to create a new section for YMMV or targeted offers. These are all great offers, but they either require being targeted or have some other restriction in place. We haven’t listed offers that are only available in certain states, those will still be listed above

American Express 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.

American Express Business Platinum 100,000 Point Offer

Read our full review

Similar to the above offer but on the business platinum card.

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.

Various American Express Delta Offers – No Lifetime Language

Read our review

It’s currently possible to get up to 75,000 miles and up to $200 in statement credits on the American Express Delta co-branded cards. These offers don’t have the lifetime language present, meaning you’re eligible for the bonus even if you’ve had that specific card before.

American Express Business Gold 35,000 Point Offer – No Lifetime Language

Read our review

Relatively weak offer, really only worth considering due to the fact that it has no lifetime language.

Not On List

This section explains why some popular cards/offers aren’t listed.

  • None currently 

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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Newbie
Newbie

Chase explorer is twice on the list. 70 k and 60k offers

Yet Another Redditor

William Charles , Chuck Should the CIC and CIU 75K points offers be added to the best offers list or at least be mentioned along side the 50K entries? Higher spend but more points on the no-fee biz cards and SP approvals seem to be ticking back up.

Drew
Drew

Agreed. I actually think these two offers take the top spot over the 100K/$15K spend for the CIP. P2 and I just got the CIU. Both had to call recon line, but approved as SP.

missmissie
missmissie

SkyOne has a $300 cash reward on their new Platinum Elite and $100 bonus for opening an account with them. Also doing $200 for auto purchase or refi… https://www.skyone.org/holiday-promo/ promo code is JINGLE
Ends 11/30/20

jimmy
jimmy

did anyone get the double bonus email from their uber credit card? get 10% back for every one dollar spent up to 100 and earn 500 after spending 3k.

G
G

Didn’t Citi Premier remove their 1.25x bonus? If so, the SUB is worth $600 instead of $750.

Vincent
Vincent

Hi Charles, Thank you for being such a great resource for me for many years. During the pandemic I have dropped out of the credit card reward game so I now have some more freedom (3/24, no recent inquires).

I’m asking because I have a large expense coming up (a $6000 visa fee) that I could pay with a wire transfer and bank pay ($60 in fees plus exchange) or I can open a new card and possibly get a nice bonus with zero work. Probably on top of that I could do around $500 per month in spend (not spending a lot due to pandemic).

Would you recommend a cash back card or a reward card? Any thoughts? Ideally looking for something that would pay for the visa credit card fee (1.3%) + some, otherwise it makes more sense to wire and pay via EFT.

Brian
Brian

You might want to remove the expired Marriott offer 🙂

Lightspeed
Lightspeed

United Club is dead, new offer is waived AF for year 1, but no point bonus.

Xatos
Xatos

FYI US Bank Business Cash bonus has been changed. It is now 3% everywhere, max $500 bonus. William Charles Chuck

Looney Tunes
Looney Tunes

That’s just for the first 180 days, after that it goes back to 3% at gas stations, office supply stores and cell phone/service providers. All other Net Purchases may earn one percent (1%) cash back.

Sean
Sean

what about new chase marriot bonvoy 5 nights free upto 50k points per night offer?

TheOneGuy
TheOneGuy

I’m looking for this update as well. I applied for the Marriott 100k offer and 24 hours later this card popped up on Chase’s website. I called to get product matched and the rep said to spend $5k in 90 days and call back. They noted it on my account to the marketing team that the product would be changed if I met the minimum requirements.