If you’re looking for a credit card that goes above and beyond when it comes to signup bonuses, or the best rewards credit card, look no further. We’ve rounded up some of our favorite credit cards that offer signup bonuses in categories ranging from premium credit cards to cards that offer cash-back rewards.
How to Get a Signup Bonus
To entice new customers, many issuers offer bonus points, miles or cash back to new cardholders who spend a certain amount of money within the first few months of having the card. Sometimes, these signup bonuses are the equivalent of $150 or more in statement credit, cash-back or travel accommodations.
Remember, though, while all those miles or points offered by a particular card might look appealing, if you can’t meet the spending limit (or don’t want to), that offer might not be right for you. Lots of these cards also tout annual fees, so be sure to do your research when looking for a new credit card to find one that best fits your particular needs.
And before you sign up for any new card, it’s a good idea to check your credit scores so you know exactly what cards you qualify for. Cards with big signup bonuses generally require good credit and being rejected for a card for which you do not qualify can ding your credit scores, meaning you could ultimately qualify for even fewer cards than when you started out. You can view your two free credit scores, updated every 14 months, at Credit.com.
Here are our picks of some of the best credit card signup bonuses with the best credit card rewards programs on the market today.
The Best Credit Card Signup Bonuses
Premium Rewards Card
Chase Sapphire Reserve
This card has gotten a lot of ink since it was introduced earlier this year, and it’s easy to see why. Chase’s Sapphire Reserve card pays a current signup bonus of 100,000 points to cardholders who spend $4,000 within the first three months. If those points are used for travel through the Chase Ultimate Rewards portal, they’re worth $1,500. That more than pays for the hefty $450 annual fee for awhile. Plus, the Sapphire Reserve also pays a $300 annual statement credit toward travel purchases.
Cardholders earn 3x points on travel and restaurant purchases, and 1x rewards on all other purchases. If you’re a frequent traveler, having this card in your wallet can really pay off.
General Travel Cards
Barclaycard pays new cardmembers 50,000 bonus miles when they spend $3,000 on purchases in the first three months. Those miles can be redeemed for travel statement credit worth $500. Also, the Barclaycard pays 2x miles on all purchases plus a 5% bonus when you redeem miles.
The card does come with an $89 annual fee, but that is waived for the first year, and there are no foreign transaction fees.
The Marriott Rewards Premier Credit Card offers new cardholders 80,000 bonus points after spending $3,000 in the first 3 months. Cardholders also can earn 7,500 bonus points for adding an authorized user. Ongoing rewards include 5x points for every dollar spent at participating Marriott locations; 2x points at restaurants, car rental agencies, and for airline tickets purchases made directly with the airline; and 1x points on all other purchases.
Cardholders also receive Marriott Silver Elite Status, which offers priority late checkout, bonus points on hotel stays, and more.
British Airways Visa Signature Card from Chase
New cardmembers received 50,000 “Avios” after spending $3,000 within the first three months. On top of that, every year a cardmember spends $30,000, they will earn a Travel Together Ticket for a companion fare that is good for two years. It can be used to book a companion ticket in the same cabin when the cardholder redeems Avios for a flight on British Airways.
The card comes with a $95 annual fee, but there are no foreign transaction fees, and cardmembers earn 3x Avios for every dollar spent on British Airways purchases, plus 1x Avios for every dollar spent on all other purchases.
American Express’ Blue Cash Preferred’s signup bonus is relatively small compared to some other cards – $150 when a new cardholder spends $1,000 in the first three months. That makes it a great card, however, for people who don’t want to or can’t spend some of the larger sums required to get signup bonuses with other cards.
On top of that, the card is offering 10% cash back on purchases at Amazon.com for the first six months (up to $200), 6% cash back for U.S. supermarket purchases of up to $6,000 each year; 3% at U.S. gas stations; and 1% on all other purchases. There is a $95 annual fee.
At publishing time, the Barclaycard Arrival Plus World Elite MasterCard, Marriott Rewards Premier and American Express Blue Cash Preferred credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.