Best Current Credit Card Sign Up Bonuses & Offers For January, 2020
A list of the best current credit card sign up bonuses & offers for January, 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
- 1 Personal Cards
- 1.1 U.S. Bank Altitude Reserve – 50,000 Points
- 1.2 Wells Fargo Propel World 40,000 Point Bonus
- 1.3 Chase Southwest – 75,000 Points
- 1.4 Citi Premier – 60,000 Points
- 1.5 Bank of America Premium Rewards 50,000 Points + $100 Travel Credit
- 1.6 Chase Sapphire Preferred 60,000 Points, Annual Fee Not Waived
- 1.7 Bank of America Alaska 40,000 Miles + $100
- 1.8 Chase United 65,000 Miles Offer
- 1.9 Barclays Aviator 60,000 Miles + Companion Ticket
- 1.10 Barclays Hawaiian Airlines 60,000 Miles
- 1.11 Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA
- 1.12 U.S. Bank Radisson Rewards 120,000 Points
- 1.13 Capital One Savor $300 Cash Bonus – $95 Annual Fee Waived
- 1.14 Discover it – $50 + Double Cash Back
- 1.15 Ridgewood Savings Bank $500 Bonus – NY & CT
- 1.16 Discover it Miles $100
- 1.17 Chase Freedom/Chase Freedom Unlimited $200 Bonuses
- 1.18 Citi Double Cash $100 Bonus – In Branch
- 2 Business Card Bonuses
- 2.1 Wells Fargo Business Platinum – $500
- 2.2 Chase Ink Business Preferred 80,000 Point Offer
- 2.3 Barclays Aviator Business 75,000 Mile Offer
- 2.4 American Express Business Gold 75,000 Point Offer
- 2.5 Chase Ink Cash – $500
- 2.6 Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points
- 2.7 Citi American Airlines 75,000 Mile Offer
- 2.8 Chase Southwest Business Premier – 60,000 Points
- 2.9 Chase Southwest Business Performance – 70,000 Points
- 2.10 Capital One Spark $2,000/200,000 Miles
- 2.11 Chase United Business Explorer 100,000 Miles
- 2.12 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
- 2.13 Barclays Hawaiian Business 70,000 Miles
- 2.14 Barclays JetBlue 60,000 Point Bonus
- 2.15 American Express Blue Business Cash $500 Bonus
- 2.16 VantageWest $300 Bonus + 5% Categories – AZ Only
- 2.17 AmaZing Business Credit Card – $300/$500/$1,000 TX, CA, CO
- 2.18 American Express Amazon Prime Business Card – $100 Statement Credit + $125 Amazon Giftcard
- 3 YMMV/Targeted Offers
- 4 Not On List
- 5 Recent Changes
- 6 Final Thoughts
Personal Cards
These cards are listed in order from absolute best to best (e.g the better cards are at the top).
U.S. Bank Altitude Reserve – 50,000 Points
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.
Wells Fargo Propel World 40,000 Point Bonus
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.
Chase Southwest – 75,000 Points
All three personal cards (Plus, Premier, Priority) get 75,000 points with $5,000 in spend within 6 months. Annual fee not waived the first year; the Plus card has the lowest annual fee of $69.
Citi Premier – 60,000 Points
$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.
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 Sapphire Preferred 60,000 Points, Annual Fee Not Waived
Standard offer on this card is 50,000 points with the $95 annual fee waived. This is an extra 10,000 points but without the annual fee waived. The extra points are much more attractive due to the flexible point transfers and the fact that points are worth 1.25¢ each when redeeming through the Chase travel portal. You can also get referred and person referring you will get an extra 15,000 points.
Bank of America Alaska 40,000 Miles + $100
Previous best on this bonus has been 40,000 miles or 30,000 miles + $100. Really strong offer if you highly value Alaska miles.
Chase United 65,000 Miles Offer
Requires $10,000 in total spend, but this is the best offer we’ve seen for some time on this card.
Barclays Aviator 60,000 Miles + Companion Ticket
This comes with the companion ticket but without the annual fee waived, deal is slightly better when it’s without the companion ticket but with the annual fee waived but still worth doing.
Barclays Hawaiian Airlines 60,000 Miles
Annual fee is waived as well.
Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA
50,000 points after $5,000 in spend. Worth $600 in gift cards or $650 in flights
U.S. Bank Radisson Rewards 120,000 Points
Radisson has some great European properties that are priced affordably. This is the highest we’ve ever seen this bonus.
Capital One Savor $300 Cash Bonus – $95 Annual Fee Waived
Link to our review of this offer
Card comes with a $300 cash bonus. $95 annual fee is waived the first year. At launch the offer was $500, so might not be worth getting until bonus goes up.
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
Nice big bonus, spend of requirement of $5,000 is required.
Discover it Miles $100
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
5/24 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.
Citi Double Cash $100 Bonus – In Branch
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
Wells Fargo Business Platinum – $500
Nice and simple $500 bonus for $3,000 in spend. Deal becomes even better when you pair it with a new Wells Fargo business checking bonus of $500 or $1,000.
Chase Ink Business Preferred 80,000 Point Offer
We didn’t have this post listed for a long time and that’s because we’ve seen a bigger bonus of 100,000 points in the past. We were hopeful that would return, but at this stage that doesn’t look likely and it makes sense to grab this 80,000 offer instead.
Barclays Aviator Business 75,000 Mile Offer
Requires adding an employee card for 10,000 miles of the offer, but still a fantastic bonus even without that portion.
American Express Business Gold 75,000 Point Offer
Really strong offer on this card, only available via referrals but not difficult to find one of those.
Chase Ink Cash – $500
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
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.
Citi American Airlines 75,000 Mile Offer
Previously it’s been possible to get a lower mile bonus that also had a statement credit as you were able to then match it to a higher mile offer and get the best of both worlds. Unfortunately Citi doesn’t let you do those matches anymore, because of that this offer is now the best option available.
Chase Southwest Business Premier – 60,000 Points
Really good card and offer, note there is a non-waived $99 annual fee. The 60,000 is standard on the business card, but now it’s showing on the personal cards as well making it an easy time to get the Companion Pass. Not exactly ideal from a Companion Pass timing perspective, but easy to reach now, nonetheless. Chase 5/24 rule does apply to this card and the personal cards, so it’ll be difficult for a lot of people to get these bonuses.
Chase Southwest Business Performance – 70,000 Points
Really good card and offer. This card did have a higher 80k bonus at launch, but I doubt we’ll see that again, and the 70k offer is a solid one too. It also comes with more benefits than the Southwest Business Premier, but it does have a higher annual fee of $199. Chase 5/24 rule does apply to this card and the personal cards, so it’ll be difficult for a lot of people to get this bonus.
Capital One Spark $2,000/200,000 Miles
Huge offer but requires $50,000 in spend within the first six months to get the full bonus. Otherwise you can get $500 of the bonus for only $5,000 in spend.
Chase United Business Explorer 100,000 Miles
Biggest offer we’ve seen on this card before but it requires $25,000 in spend and the annual fee isn’t waived.
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
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
Requires adding an employee to get the full bonus, but a great bonus if you value Hawaiian miles highly.
Barclays JetBlue 60,000 Point Bonus
Requires adding an employee card for the full 60,000 point bonus.
American Express Blue Business Cash $500 Bonus
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.
VantageWest $300 Bonus + 5% Categories – AZ Only
This also requires opening a checking account. Bonus is worth doing because the card earns 5% cash back in rotating categories as well.
AmaZing Business Credit Card – $300/$500/$1,000 TX, CA, CO
Really only worth doing the $500/$1,000 deals and even then it might just be best to wait for the $1,000 offer to return if your state is only offering $500 currently.
American Express Amazon Prime Business Card – $100 Statement Credit + $125 Amazon Giftcard
Normally the bonus is only the $125 gift card, but now they are offering a $100 statement credit as well now.
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.
AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
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
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
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.
- [1/16/2020] Removed American Express Green Card 45,000 Points
- [1/10/2020] Added U.S. Bank Radisson Rewards 120,000 Points
- [1/10/2020] Added Barclays Hawaiian Airlines 60,000 Miles
- [1/8/20] Removed U.S. Bank Business Cash Rewards $500 Bonus
- [1/4/20] Removed American Express Hilton Surpass 150,000 Points + $100 Statement Credit
- [1/3/20] Removed PenFed Pathfinder Rewards American Express – 25,000 Points
- [1/3/20] Removed U.S. Bank Radisson Rewards 120,000 Points
- [1/3/20] Removed Avianca Lifemiles 40,000/60,000 Miles
- [1/3/20] Removed Navy Federal Federal Credit Union (NFCU) Flagship Rewards – 50,000 Points
- [1/3/20] Removed Navy Federal Federal Credit Union (NFCU) cashRewards – $250
- [12/22/19] Removed [CA only] USC Credit Union $250 Credit Card Bonus
- [12/17/19] Removed Schwab Investor Card From American express $200
- [12/9/19] Added American Express Hilton Surpass 150,000 Points + $100 Statement Credit
- [12/7/19] Removed American Express Schwab Platinum 100,000 Point Offer
- [12/7/19] Removed Citi Expedia Voyager 70,000 Point Bonus
- [11/27/19] Removed Bank of America Spirit Airlines – 30,000 Miles + $100
- [11/26/19] Added Barclays Aviator 60,000 Miles + Companion Ticket
- [11/12/19] Added Chase United 65,000 Miles Offer
- [11/12/19] Added American Express Business Gold 75,000 Points Signup Bonus When Using Referral Link
- [10/27/19] Added American Express Green Card 45,000 Points
- [10/25/19] Added Capital One Spark $2,000/200,000 Miles
- [10/21/19] Removed Chase Southwest Performance Business – 80,000 Point Offer
- [10/21/19] Added Citi Expedia Voyager 50,000 Point Bonus
- [10/21/19] Added Wells Fargo Propel World 40,000 Point Bonus
- [10/21/19] Added Navy Federal Federal Credit Union (NFCU) cashRewards – $250
- [10/18/19] Removed Chase IHG 125,000 Points + $50 Statement Credit
- [10/14/19] Added [CA only] USC Credit Union $250 Credit Card Bonus
- [10/14/19] Added Various American Express ‘Pre-Approved’ Offers – No Lifetime Language
- [10/14/19] Added Citi Double Cash $100 Bonus – In Branch
- [10/13/19] Removed BBVA Select Card – $300 Bonus – AL, FL, TX, AZ, CO, CA, NM
- [10/10/19] Added Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA
- [10/10/19] Added Citi American Airlines 75,000 Mile Offer
- [10/10/19] Added Barclays 60,000 Point Bonus
- [10/8/19] Removed Barclays Hawaiian 60,000 Miles
- [10/8/19] Removed Barclays Aviator Red – 60,000 Miles + Companion Certificate
- [10/5/19] Added Ridgewood Savings Bank $500 Bonus – NY & CT
- [10/04/19] Removed Barclays Wyndham 45,000 Points – AF Waived First Year
- [10/03/19] Removed Wells Fargo Propel World 40,000 Points In Branch Or Phone
- [9/30/19] Added American Express Amazon Prime Business Card – $100 Statement Credit + $125 Amazon Giftcard
- [9/29/19] Added BBVA Select Card – $300 Bonus – AL, FL, TX, AZ, CO, CA, NM
- [9/29/19] Added Barclays Aviator Business 75,000 Mile Offer
- [9/29/19] Added Schwab Investor Card From American express $200
- [9/29/19] Added Barclays Hawaiian Business 70,000 Miles
- [8/29/19] Removed American Express Hilton Business – 130,000 Points + Free Weekend Night Certificate
- [8/29/19] Removed American Express Hilton Surpass – 130,000 Points + Free Weekend Night Certificate
- [8/28/19] Added Chase Freedom/Chase Freedom Unlimited $200 Bonuses
- [8/28/19] Added Barclays Wyndham 45,000 Points – AF Waived First Year
- [8/20/19] Added American Express Business Gold 35,000 Point Offer – No Lifetime Language
- [8/20/19] Added American Express Schwab Platinum 100,000 Point Offer
- [8/12/19] Removed Barclays Business Aviator 75,000 Miles
- [8/12/19/19] Added American Express Blue Business Cash $500 Bonus
- [8/8/19] Added Chase United Business Explorer 100,000 Miles
- [8/8/19] Added Chase IHG 125,000 Points + $50 Statement Credit
- [8/8/19] Removed Barclaycard JetBlue Plus 50,000 Points, $99 Annual Fee
- [8/8/19] Removed Barclaycard JetBlue Plus – 60,000 Points; $99 Annual Fee
- [7/29/19] Added Bank of America Amtrak 40,000 Points + $100
- [7/26/19] Added American Express Hilton Surpass – 130,000 Points + Free Weekend Night Certificate
- [7/26/19] Added American Express Hilton Business – 130,000 Points + Free Weekend Night Certificate
- [7/26/19] Added Discover it Miles $100
- [7/26/19] Added Avianca Lifemiles 40,000/60,000 Miles
- [7/26/19] Added Barclays Hawaiian 60,000 Miles
- [7/26/19] Added Barclays Aviator Red – 60,000 Miles + Companion Certificate
- [7/26/19] Added U.S. Bank Business Cash Rewards $500 Bonus
- [7/25/19] Removed Barclays Hawaiian 70,000 Miles
- [7/8/19] Removed Chase Southwest Personal Cards – 3 Versions – 60,000 Points
- [06/20/19] Added Chase Southwest Performance Business – 80,000 Point Offer
- [06/16/19] Removed Barclay Arrival+ 70,000 Point Sign Up Bonus, With Annual Fee Waived
- [6/13/19] Added Citi Premier 60,000 Points Signup Bonus ($95 Annual Fee Not Waived)
- [5/23/19] Navy Federal Federal Credit Union (NFCU) Flagship Rewards – 50,000 Points
- [5/22/19] Changed Capital One Savor from $500 to $300
- [5/15/19] Removed Wells Fargo Propel 50,000 Points
- [5/13/19] Added American Express Hilton Offers – No Lifetime Language
- [5/13/19] Added Barclays Hawaiian 70,000 Miles
- [5/13/19] Added Bank of America Alaska 40,000 Miles + $100
- [5/6/19] Added 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
- [05/6/19] Added Barclays Business Aviator 75,000 Miles
- [05/6/19] Removed Bank of Hawaii (Barclays) – 75,000 Miles
- [05/02/19] Added Chase Southwest Business Cards and 3 Personal Card Versions at 60,000 Points
- [05/02/19] Added Jetblue Business 60,000 Points and JetBlue Personal Plus 50,000 Points Offers
- [4/30/19] Added U.S. Bank Radisson Rewards 120,000 Points
- [4/25/19] Removed Terps Credit Card – 50,000 Points
- [4/1/19] Removed U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]
- [3/19/19] Added AmaZing Business Credit Card – $300/$500/$1,000 TX, CA, CO
- [3/19/19] Removed Chase United Business 75,000 Miles
- [3/18/19] Added Chase Sapphire Preferred 60,000 Points, Annual Fee Not Waived
- [3/18/19] Added Wells Fargo Propel 50,000 Points
- [3/15/19] Removed Bank of the West – 60,000 Points (Worth $450) – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [3/13/19] Added Bank of Hawaii (Barclays) – 75,000 Miles
- [3/7/19] Removed Bank of America Alaska Airlines 40,000 Miles
- [3/7/19] Added Barclays Aviator Business Card – 60,000 Miles
- [3/7/19] Added Chase Ink Business Preferred 80,000 points
- [2/25/19] Added VantageWest $300 Bonus + 5% Categories – AZ Only
- [2/17/19] Removed Capital One Spark Cash $2,000/200,000 Miles Bonus
- [2/10/19] Removed AmaZing Business Credit Card – $500 or $1,000 TX, CA, CO & UT
- [1/28/19] Removed Citi Premier 60,000 Points, Annual Fee Waived
- [1/20/19] Added Bank of the West – 60,000 Points (Worth $450) – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [1/16/19] Added Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points
- [1/16/19] Added Chase United Business 75,000 Miles
- [1/10/19] Removed Navy Federal Credit Union 50,000 Point Bonus
- [1/10/19] Removed City National Bank Crystal Visa Infinite 75,000 Point Sign Up Bonus
- [1/8/19] Removed Barclays JetBlue 50,000 Points
- [1/8/19] Removed Barclays Choice Privileges 64,000 Point Offer
- [12/11/18] Removed Capital One Venture 75,000 Points
- [12/08/18] Removed Avianca 60,000 Mile Bonus
- [11/13/18] Added Capital One Venture 75,000 Points
- [11/13/18] Added Capital One Spark Cash $2,000/200,000 Miles Bonus
- [11/13/18] Added Various American Express Delta Offers – No Lifetime Language
- [11/12/18] Added Citi Premier 60,000 Points, Annual Fee Waived
- [11/12/18] Added U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]
- [11/12/18] Removed American Express Business Gold Rewards 75,000 Points
- [11/01/18] Removed Barclays Aviator Business 60,000 Miles. Bonus reduced to 50,000 miles.
- [10/23/18] Added Avianca 60,000 Mile Bonus
- [10/21/18] Removed Citi ThankYou Premier – 60,000 Points – Annual Fee Waived
- [10/09/18] Added Bank of America Spirit Airlines 30,000 Miles Bonus
- [10/08/18] Added Barclays Choice Privileges 64,000 Point Offer
- [10/08/18] Added Barclays Hawaiian Business Card – 50,000 Miles
- [10/08/18] Added U.S. Bank Altitude Reserve – 50,000 Points
- [10/08/18] Added Terps Credit Card – 50,000 Points
- [10/08/18] Added Wells Fargo Business Platinum – $500
- [09/25/18] Page had been neglected for too long, made some major changes
- [09/23/18] Added AmaZing Business Credit Card – $500 or $1,000 TX, CA, CO & UT
- [09/20/18] Added Barclays JetBlue 50,000 Points
- [09/05/18] Added Navy Federal Credit Union 50,000 Point Bonus
- [09/02/18] Removed Chase Marriott Business Premier 75,000 Points
- [08/21/18] Added Barclays Aviator Business 60,000 Miles
- [08/15/18] Added Capital One Savor $500 Cash Bonus
- [07/04/18] Added Barclays Arrival – 60,000 Points
- [07/03/18] Added Barclays Wyndham 45,000 Points
- [06/29/18] Removed Avianca LifeMiles Credit Cards 40,000 & 60,000 Miles Bonuses After One Purchase
- [05/18/18] Removed Chase Hyatt 40,000 Points + $50 Statement Credit
- [05/18/18] Removed Barclaycard Wyndham – 45,000 Points
- [05/18/18] Removed American Express Delta Platinum – 70,000 Miles + $100 Statement Credit + 10,000 MQM
- [05/18/18] Removed Chase Southwest Business Premier – 60,000 Points
- [05/18/18] Removed Chase Southwest Plus/Premier 50,000 Points
- [05/18/18] Removed Chase In Branch Offers (Freedom & Freedom Unlimited 30,000 Points & Sapphire Preferred/Reserve 60,000 Points)
- [05/17/18] Added American Express Hilton Business Card – 125,000 Points
- [05/17/18] Added American Express Hilton Ascend – 100,000 Points + Free Night Certificate On Card Anniversary
- [05/07/18] Removed American Express Mercedes-Benz Platinum – 60,000 Points
- [04/30/18] Added Barclays Aviator Business 50,000 Miles
- [04/01/18] Removed American Express SPG Business 35,000 Points
- [03/25/18] Added Chase Ink Cash – $500
- [03/02/18] Added American Express Delta Platinum – 70,000 Miles + $100 Statement Credit + 10,000 MQM [Personal & Business]
- [03/02/18] Added American Express Mercedes-Benz Platinum – 60,000 Points
- [03/02/18] Added American Express SPG Business 35,000 Points
- [02/24/18] Added Banco Popular Avianca Vuela – 60,000 Miles
- [02/24/18] Added Citi ThankYou Premier – 50,000 Points
- [02/15/18] Added AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
- [02/14/18] Added Citi American Airlines 60,000 Miles (Get Matched To 75,000 Miles)
- [02/14/18] Removed Barclaycard American Airlines 60,500 miles
- [01/29/18] Added PenFed Pathfinder Rewards American Express – 25,000 Points
- [01/25/18] Added Chase Marriott Business Premier 75,000 Points
- [01/16/18] Added City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus
- [01/16/18] Removed Citi Premier 50,000 Point Offer
- [01/12/18] Removed Barclaycard JetBlue Plus 60,000 Points
- [01/09/18] Added Wells Fargo Business Platinum $500
- [01/08/18] Added Chase Southwest Plus/Premier 50,000 Points
- [01/08/18] Removed Wells Fargo Visa Signature 20,000 Point Bonus
- [01/05/18] Removed AmaZing Credit Cards – $1,000 CA, TX, CO & NV
- [12/18] Removed Citi Presitge 40,000 Point Offer
- [12/16] Added Barclaycard Wyndham – 45,000 Points
- [12/16] Removed Bank of America Amtrak 30,000 Point Offer
- [11/26] Added Citi Presitge 40,000 Point Offer
- [11/08] Added Barclaycard JetBlue Plus 60,000 Points
- [11/01] Removed American Express Business SPG – 35,000 Points as that deal has expired
- [11/01] Removed Synchrony Cathay Pacific 50,000 Miles as deal has expired
- [10/16] Removed Avianca Vuela Visa Card – 40,000/60,000 as promo code no longer working
- [10/11] Added Chase In Branch Offers (Freedom & Freedom Unlimited 30,000 Points & Sapphire Preferred/Reserve 60,000 Points)
- [10/09] Added [CA, TX & NV Only] AmaZing Business Credit Card $500 Or $1,000 Sign Up Bonus
- [10/08] Removed Chase Southwest Premier & Plus 60,000 Points Offers
- [10/05] Added American Express Business SPG 35,000 Point Offer
- [10/04] Added Citi Premier 50k offer back as working link was found, removed Citi prestige as offer is no longer available
- [10/01] Removed Citi ThankYou Premier 50,000 point offer
- [10/01] Removed City National Bank Crystal Visa Infinite 50,000 Point Offer
- [09/25] Removed CitiBusiness American Airlines 60,000/75,000 Miles
- [09/24] Removed Merrill+ 50,000 Point Offer.
- [09/20] Removed Barclaycard Arrival as bonus has been reduced to 40,000 from 50,000
- [09/18] Added Bank of America Premium Rewards Credit Card 50,000 point offer
- [08/21] Added Chase Southwest Premier & Plus 60,000 Points Offers
- [08/12] Added Barclaycard JetBlue Plus 40,000 Point Offer (Highest Ever)
- [08/09] Added Cathay Pacific Credit Card Bonus Increased To 50,000 Miles After $2,500 In Spend
- [08/09] Added Citi American Airlines 60,000 Miles Business Offer (Possible Match to 75,000 Mile Offer)
- [08/09] Added Citi American Airlines 60,000 Miles Personal Offer (Possible Match To 75,000 Miles)
- [08/02] Added City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus ($400 AF Waived First Year, Lounge Access & $250 Travel Credit)
- [07/29] Added American Express Business Gold Rewards 75,000 Points
- [07/27] Removed Chase Southwest Personal Plus/Premier – 60,000 Points as they are no longer valid.
- [07/26] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [07/20] Added Bank of America Amtrak 30,000 Point Offer
- [07/06] IHG updated as there is now a direct link
- [06/30] Removed Chase Hyatt Two Free Nights + $50 + 5,000 Points
- [06/30] Removed Blue Business Plus 20,000 Points
- [06/25] Added Blue Business Plus 20,000 Points
- [06/25] Added American Express Business Platinum 100,000 Points
- [06/25] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [06/15] Removed Citi Hilton 40,000 Point Offer – No 24 Month Language, link no longer working
- [06/07] Removed TravElite card
- [06/05] Added All Three Chase Southwest Cards Increased To 60,000 Points – Easy Companion Pass
- [06/05] Added Barclaycard AAdvantage Aviator Red World Elite MasterCard Bonus Increased To 50,500 Miles
- [04/27] Added American Express Personal Platinum 100,000 Points After $5,000 In Spend
- [04/24] Added Wells Fargo Visa Signature 20,000 Point Bonus – Worth $300 Towards Airfare & 5x On Gas, Grocery, Drugstores
- [04/24] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [04/12] Added TravElite Credit Card From FNBO Review – Now With 25,000 Point ($250 Sign Up Bonus), No AF + $100 Travel Credit
- [04/12] Added Chase Marriott 100k point offer
- [04/07] Removed SPG 35,000 point offers
- [03/21] Removed CitiBusiness / AAdvantage Platinum Select 50,000 Signup Bonus
- [03/20] Added Merrill+ phone offer
- [03/14] Added CNB 100,000 point business offer
- [03/14] Added CNB 70,000 point personal offer
- [03/14] Removed Ritz-Carlton 3 free night offer as bonus has expired
- [03/14] Removed Chase Sapphire Reserve as bonus has dropped to 50,000 points
- [03/06] Removed Citi AA 50k offer with no 24 month language as it expired again
- [03/05] Added Chase Sapphire Preferred up to 75,000 point offer
- [03/05] Removed Merrill+ card as the offer had expired
- [02/28] Added Citi American Airlines 50,000 Offer without 24 Month Language
- [02/26] Added Citi Business AA 50k offer as it contains no 24 month language.
- [02/26] Removed the blue for business offer from American Express as it had expired
- [02/21] Added the Chase Ritz-Carlton 3 night Link as I didn’t know it was still available
- [o2/21] Removed Citi American Airlines 50k/60k offer because the no 24 month language link has died.
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.
SPG is under YMMV, I guess the 80k Marriott offer is OK but nothing that remarkable IMO.
Curios when Marriott will offer more than 80K and/or waive the AF again?
Now it is 75K and AF waived. Lot of us posted our referral links.
I still have the 10x Marriott offer on first $12k. Surprised it wasn’t mentioned
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).
My thinking with the current skymiles offers is that they will increase in the short term (as evidenced by the near constant 50k/70k offers) and the fact that there is no real need to hold these miles. If you have short term plans for Delta miles it can make sense, but I expect increase offers for both cards in the short term and also devaluation of Delta miles in the short-medium term. Annual fee on the Platinum card doesn’t help it’s cause either, maybe offset by the MQM for some people?
Again, happy to argue these points and update list if I am in the minority/wrong.
I guess the fear of increased offers is somewhat fair, but do you really see these cards hitting a six figure sign up bonus? That seems like the next step for Amex (100k DL Plat) to take with these if they really want to make a splash and drive sign ups, but I just don’t see them parting with such a huge crop of miles. My understanding is that the Delta card portfolio is relatively successful and the addition of card spend to waive the MQD requirement has probably helped them stave off deserters.
In summation, I personally don’t see how the Delta Personal Platinum (70k miles/effective $95 fee first year with statement credit) can be left off your list of best personal sign up bonuses when the US Bank Amex is on there.
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!
Haha, misread this!
Looks good! Pretty sure the Amex Platinum Business is $15,000 total. $5,000 first 50k points, $10,000 for second 50k set.
Fixed this!
CFU higher than CSR. Wowza
Double bonus and not a good time for CSR, you disagree?
Under “Personal Cards” I think you meant to write “best to worst” instead of “best to best”.
No, I meant best to best haha. All of these offers are good!
I never saw the 100k/125k AmEx Hilton links. Do you have those?
They aren’t available, were leaked for a few hrs and then died.
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!
They pull all three bureaus, I was considering all them as inquiries are combined AFAIK.
And most likely to deny you anyway.
This is what keeps me away from Capital One.
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.
You sure? Card isn’t available officially anymore in branch so not sure they would still match.
WC: I think you did a great job breaking this down. Thanks! 🙂
Thanks, Jan!