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Find the Best Credit Card Sign-Up Bonus for 2019

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If you’re looking for a new credit card, you may have noticed that many rewards cards include sign-up bonuses. That’s true for cash-back credit cards and travel rewards cards. Some offer extra cash-back rewards when you spend x amount of dollars in a certain amount of time as a new cardholder while travel rewards cards offer added miles.

Credit card issuers offer sign-up bonuses to entice new cardholders to apply. And heavy competition among issuers for your dollar has led to some truly sweet deals.

But with so many credit card rewards programs out there, it can be overwhelming to figure out which has the best credit card sign-up bonus option. Really, there is no single card that is best for everyone. Different people have different spending habits and financial needs.

For example, a great travel credit card may offer a sign-up bonus that equates to multiple free flights, but this isn’t going to do you any good if you’re someone who prefers to stay local or to stick to road trips.

All credit cards have their pros and cons. It’s simply about finding the card that is best for you and your needs and desires.

Keep in mind too that credit card sign-up bonuses change frequently and can even vary by customer, so it’s a good idea to visit the issuer’s site directly to double-check their latest offers.

Jump to the Best Credit Card Sign-Up Bonuses

To help you cut through some of the clutter as you make your own pick, the Credit.com editorial team has picked a few of our favorite credit card sign-up bonus options out right now.

Chase Sapphire Preferred® Card lets you earn 60,000 rewards points when you spend $4,000 in our first three months as a cardholder. That equals $750 for travel costs through the Chase Ultimate Rewards® program.

Capital One® Venture Rewards Credit Card gives you 50,000 miles when you spend $3,000 on purchase in your first three months, which equals $500 in travel.

Capital One® VentureOne® Rewards Credit Card lets you earn 20,000 miles when you spend $1,000 on purchase in your first three months. Those miles equal $200 in travel.

Chase Freedom Unlimited is also great if cash is more important to you than miles. With this card, you earn $300 cash back on all purchases in your first year up to $20,000.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.74% - 24.74% Variable

Balance Transfer:
17.74% - 24.74% Variable

Annual Fee:
$95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

Card Details +

Benefits: With a sign-up bonus of 60,000 bonus points when you spend $4,000 in your first three months, this card is right up there with the Barclaycard Arrival Plus World Elite Mastercard.

This card also rewards you with 2X points on travel and dining at restaurants worldwide and 1X point on all other purchases.

Your points earned with this card can be transferred point-for-point to other leading airline and hotel loyalty programs. But, if you use them to redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you get 25% more value for your points. That makes your 60,000 introductory sign-on bonus points worth $750 in travel. And you can redeem your points with no blackout dates or travel restrictions through Chase Ultimate Rewards.

For globe trotters, this card has no foreign transaction fees, which is a nice perk when traveling.

Drawbacks: This card charges a $95 annual fee even your first year, which tarnishes its glow a bit. It has the same slightly higher ongoing APR as the Barclaycard Arrival Plus World Elite Mastercard of 17.74% - 24.74% Variable , which like the other card makes carrying a balance costly. But, if you have the funds to pay it off or down significantly each month and don’t mind the annual fee, you can earn a lot of miles.

Capital One® Venture Rewards Credit Card

Benefits: This card offers another sweet sign-up bonus with 50,000 miles when you spend $3,000 in your first three months. That’s a bonus equal to $500 in travel. Macy's Credit Card

This card also rewards you with 2X miles on all purchases all the time. And you earn 10X miles when you use it to pay for hotel stays through hotels.com/venture through January 2020.

Your miles never expire and grant you the ability to fly any airline, stay at any hotel, anytime with no blackout dates. And you can transfer your miles to more than 12 leading travel loyalty programs.

For travelers, this card has no foreign transaction fees, gives you a $100 credit for Global Entry or TSA PreCheck.

Drawbacks: This card charges a $95 annual fee after your first year, but a $0 annual fee year one. Its interest rate is a touch better on the lower end that the other cards we’ve covered at 17.49% - 24.74% (Variable) .  Still, consider this card carefully if you don’t have the funds to pay it off or down significantly each month.

Capital One® VentureOne® Rewards Credit Card

Benefits: This card offers a good sign-up bonus of 20,000 miles when you spend $1,000 in your first three months. That’s a bonus equal to $200 in travel.  And if you don’t spend a ton on your card, maybe a better value for you than the previously covered cards.

With this card, you earn 1.25X miles on every purchase. And like the Capital One Venture Rewards Credit Card, it gives you 10X miles at thousands of hotels through hotels.com/venture through January 2020. Capital One Venture One Rewards Card image

This card also has no annual fee ever. And it has an added sign-up bonus of an intro APR of 0% intro on purchases for 12 months .

Your miles never expire and grant you the ability to fly any airline, stay at any hotel, anytime with no blackout dates. And you can transfer your miles to more than 12 leading travel loyalty programs.

For world travelers, this card also has no foreign transaction fees and lets you travel with no blackout dates.

Drawbacks: This card is pretty solid, paying you a sign-up bonus with a fairly small spend in your first three months and offering an intro APR of 0% and an ongoing APR on the lower side at 13.74% - 23.74% (Variable) .

If you’re after more bonus miles, this card may not be for you, but if you’re not likely to spend thousands in your first three months of having the card, it may be your best pick.

Wells Fargo Cash Wise Visa® Card

Apply Now
on 's secure website
Card Details
Intro Apr:

Ongoing Apr:

Balance Transfer:

Annual Fee:

Credit Needed:
Snapshot of Card Features

Card Details +

Benefits: This card is a cash rewards credit card, which is probably best for you if cash rewards are more to your liking than miles. It pays you $200 in cash rewards instead of miles when you spend $1,000 in your first three months. Plus, it lets you earn unlimited 1.5% cash rewards on your all purchases. Unless, those purchases are made in your first 12 months using Apple Pay, Google Pay or another qualified mobile wallet, then you earn 1.8%!

You get all of that with no annual fee and an APR of on purchases and on qualifying balance transfers—which makes it a great choice if you’re considering using it to consolidate debt from another credit card.

Pay your cell phone bill with this card and earn cash back plus get up to $600 protection on your cell phone—minus a $25 deductible—against covered damage or theft.

Drawbacks: This card has a bit higher ongoing APR of . You’ll pay the lower APR with a better credit score and the higher APR with a lower score. Although, you’ll need at least a good credit score to qualify for this or any of the listed cards.

Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
16.74% - 25.49% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

Card Details +

Benefits: This card is another good choice if cash rewards are more to your liking than points or miles. You earn 3% cash back on all purchases in your first year up to $20,000.  After that earn unlimited 1.5% cash back on all purchases. Plus, it lets you earn unlimited 1.5% cash back on every purchase. That cash back automatically posts to your account.

You don’t have to have a minimum spent to redeem your cash back. And there’s no annual fee and a nice long intro APR of 0% for 15 months on purchases and balance transfers—which makes it another great choice if you’re considering using it to consolidate credit card debt.

Drawbacks: This card has a bit higher ongoing APR of 16.74% - 25.49% Variable . But that’s in line with most of the cards you’ll find in this category, including those included here.

How to Choose a Card with a Great Sign-Up Bonus

Any time you evaluate a credit card, weigh the value of the bonus against the fees. And consider what bonus best works for you. For instance, if you dream of traveling, but don’t really actually travel much, a lot of miles maybe won’t be as good for you as cash back.  And if the card’s benefits don’t meet or exceed the annual fee or the interest you might pay to get the bonus, you might want to keep looking.

Finally, most sign-up bonuses require you to spend a specific amount in the first few months of being a cardholder. If the spending requirements are far outside your normal spending behavior, it likely isn’t worth it to apply for the card.

And whatever you do, don’t apply for multiple cards. Pick one that you’re fairly sure you can qualify for and apply only for it. You don’t want multiple hard inquiries on your credit report, which can happen when you apply for more than one card.

What’s Required to Get a Credit Card with a Sign-Up Bonus?

Cards with big sign-up bonuses generally require a good to excellent credit score. If you aren’t sure where your credit stands, you can get your Experian credit score for free on Credit.com, before you apply.

If you don’t have a good or excellent score, check out other card options for you.

Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.


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