Posted by William Charles on December 9, 2018
Credit Cards

Published on December 9th, 2018 | by William Charles


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

A list of the best current credit card sign up bonuses & offers for December, 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).

City National Bank Crystal Visa Infinite 75,000 Point Sign Up Bonus

Read our review

Annual fee on this card is no longer waived, standard bonus is only 50,000 points but even the increased 75,000 bonus is just 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. It might actually be possible to have four authorized users now as well.

Barclays Arrival – 70,000 Points + Annual Fee Waived

Read our full review

Annual fee of $89 is waived, this is by far the best bonus we’ve ever seen on this card. Standard is 50,000 points, we recently saw 60,000 and now we have this massive 70,000 point offer.

Citi Premier 60,000 Points, Annual Fee Waived

Read our review

This is the highest bonus we’ve seen on this card. To get this offer you need to be referred (and referrals must be sent out via e-mail). The person referring you also gets 10,000 points. If you’re referred by a friend or loved one then it’s really a total of 70,000 points and maybe they will be willing to split some of that with you.

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.

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. 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 used to have this card at #1 as it seemed like it would be pulled sooner rather than later, but after about six months of still sticking around after a possible March 31st, 2018 end date I really don’t think there is much of a rush anymore.

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.

Barclays Choice Privileges 64,000 Point Offer

Read our full review of this offer

By far the highest bonus we’ve seen on this card. Choice uses a dynamic award system so the points required for a hotel vary day to day (somewhat tied to cash rates). A lot of the properties in the US are average value, the real value comes in properties found in Europe and especially Scandinavia. Definitely worth a look if you’re considering a trip to those areas.

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.

Bank of America Alaska Airlines 40,000 Miles

Read our full review

Previously the best bonus on this card was 30,000 miles + $100. For those interested in Alaska miles I’m assuming that they value miles at more than 1¢ each and that’s why this new offer is better than that older offer.

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.

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 – 150,000 Points

Read our review

We’ve seen bonuses of 125,000 points before or 100,000 points + free night on anniversary. This is a better bonus if you value points or don’t want to pay a second annual fee.You can also get another free night certificate if you spend $15,000 within a calendar year.

Terps Credit Card – 50,000 Points

Read our review

Points are worth 1¢+ each. Card doesn’t get much coverage on other sites but considering it’s a bonus of $500 for $5,000 in spend it’s definitely worth considering.

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.

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.

Bank of America Spirit Airlines – 30,000 Miles

Read our review

Best offer ever we’ve ever seen on this card. Holding this card also gets you discounted award flights and points don’t expire as long as purchases are made on the card.

Business Card Bonuses

U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]

Read our review

This card gives you a sign up bonus of $200 after $1,000 in spend. The interesting thing is you get that sign up bonus for each employee card you add as well and you can add up to 10 of them. That means you can get a bonus of up to $2,200.

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.

Capital One Spark Cash $2,000/200,000 Miles Bonus

Read our review

Requires a massive $50,000 in spend to get the full bonus, but thankfully the card also earns 2%/2x on all purchases as well making it more attractive. Miles can also be transferred to 12 airline partners at a 2:1.5 rate.

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 + $100

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 $100 when doing a dummy booking via Hilton.

Barclays Hawaiian Business Card – 60,000 Miles

Read our review

Previous best bonus was 50,000 miles, this is an extra 10,000 miles but requires $1,000 in spend rather than just a single purchase. Only downside is trying to get approved for multiple Barclays cards can be difficult and lots of people will prefer the JetBlue 50k business offer mentioned above.

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.

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

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.

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.

Not On List

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

  • Citi American Airlines 70,000 mile personal/business cards. Previously it’s been possible to sign up for an offer of 50,000 miles + $200 and then get matched to 70,000 miles and still get the $200 in statement credits. Currently there is a 40,000 + $200 offer, so I’m hopeful that 50,000 + $200 offer that can be matched to 70,000 will come back soon.

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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