Posted by William Charles on October 8, 2019
Credit Cards

Published on October 8th, 2019 | by William Charles

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Best Current Credit Card Sign Up Bonuses & Offers For October, 2019

A list of the best current credit card sign up bonuses & offers for October, 2019. 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).

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.

Citi Premier – 60,000 Points

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.

Navy Federal Federal Credit Union (NFCU) Flagship Rewards – 50,000 Points

Link to our review of this offer

This is worth $500, keep in mind you need to be military or ex military to be eligible.

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

Read our review

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.

Chase IHG 125,000 Points + $50 Statement Credit

Direct link to offer

Biggest offer we’ve seen on this card and you also earn 25x points on all IHG purchases for the first year.

Bank of America Alaska 40,000 Miles + $100

Read our review

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

Bank of America Amtrak 40,000 Points + $100

Read our review

Biggest bonus that we’ve seen on this card before.

Avianca Lifemiles 40,000/60,000 Miles

Read our review

This is the highest bonus that both of these cards have ever offered. Avianca miles can be extremely useful to some people, but make sure you have a plan to use these before signing up. Only a single purchase is required

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

Direct link to offer

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

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.

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.

U.S. Bank Radisson Rewards 120,000 Points

Read our review

Nice big bonus of 120,000 points and the highest we’ve ever seen. The downside to this offer is that the best value hotels are mostly in Europe. In addition it’s extremely difficult to get approved for U.S. Bank cards, so it might make more sense to go for something like the U.S. Bank Altitude Reserve listed above instead.

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.

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.

Bank of America Spirit Airlines – 30,000 Miles + $100

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.

[CA only] USC Credit Union $250 Credit Card Bonus

Read our review

Only requires $500 in spend.

Schwab Investor Card From American express $200

Read our review

Requires a Charles Schwab account, spend requirement of $2,000 is a little high but the standard bonus on this card is only $100.

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

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.

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

Wells Fargo Business Platinum – $500

Read our review

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 Southwest Performance Business – 80,000 Point Offer

Read our review

I suspect this bonus is only available for a limited time to help launch the card. You only need another 30,000 points after getting this bonus (well 25,000 after meeting the minimum spend requirement) to have enough for the Southwest companion pass as well. I imagine the standard bonus will be 50,000 or 60,000 points after the launch bonus ends.

Chase Ink Business Preferred 80,000 Point Offer

Read our review

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

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.

Citi American Airlines 75,000 Mile Offer

Read our review

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

Read our review

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 United Business Explorer 100,000 Miles

Read our review

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

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.

Barclays 60,000 Point Bonus

Direct link to offer

Requires adding an employee card for the full 60,000 point bonus.

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.

U.S. Bank Business Cash Rewards $500 Bonus

Read our review

Relatively big cash bonus and spend requirement of only $4,500, plus you have 150 days to meet the spend requirement.

VantageWest $300 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.

AmaZing Business Credit Card – $300/$500/$1,000 TX, CA, CO

Read our review

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

Read our review

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.

American Express Schwab Platinum 100,000 Point Offer

Read our review of this offer

We have only ever seen a bonus of 60,000 points on this card, so 100,000 points is a significant improvement. Unfortunately it looks like you need to be an existing Schwab customer to be eligible and even then it’s highly targeted.

Various American Express ‘Pre-Approved’ Offers – No Lifetime Language

Read our review

These offers require you to be referred by somebody with access to these pre-approval referrals and you can only refer two people per card.

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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NM
NM

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.

cas187
cas187

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

MJG
MJG

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

ChurningForDays
ChurningForDays

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).

Kelly
Kelly

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!

Zorba
Zorba

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

Jake P
Jake P

CFU higher than CSR. Wowza

Eric
Eric

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

Dan
Dan

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

Laura
Laura

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

Jason
Jason

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.

Jason
Jason

typo: reconsideration line

Boston Bobby
Boston Bobby

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…

Mark Ostermann
Mark Ostermann

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

Mark Ostermann
Mark Ostermann

Pays out immediately too – before the statement even closes!

Jeff H
Jeff H

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.

mmgfarb
mmgfarb

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

Jan B
Jan B

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

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