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Comparing the Highest Credit Card Sign-up Bonuses

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If you’re shopping around for a new credit card, you’ve probably noticed a variety of sign-up bonuses. Credit card companies are gunning for your business, so they’ll usually provide amazing offers to sweeten the deal. Finding the highest sign-up bonus credit card can be tricky because of all the different bonuses, including airline miles or travel points, a low introductory APR rate or cash back rewards.

While sign-up bonuses are enticing, keep in mind that these deals are on the table because credit card companies want your business. New customers are a big part of the credit card industry. A credit card issuer is willing to offer big bonuses remain competitive.

Don’t let that stop you from choosing a credit card with a killer sign-up bonus. Take a look at these credit card sign-up bonuses and compare the benefits and drawbacks. Would you actually use the reward points or perks that a particular credit card offers? The right card for you could add a little more to your bottom line every year with great cash-back rewards.

The Highest Sign-Up Bonus Credit Cards

  • Chase Sapphire Preferred® Card: This rewards card has got a major sign-up bonus and reward points. You can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from the account
  • Hilton Honors American Express Ascend Card: If you find yourself staying at a Hilton more often than not when you travel, this is the card for you. You’ll earn 75,000 Hilton Honors Bonus Points when you make $1,000 in eligible purchases within the first 3 months.
  • Capital One® Venture®Rewards Credit Card: This is another great card for anyone with the travel You can earn 2X miles on every purchase and 10X on thousands of hotels through January 2020.
  • Gold Delta SkyMiles® Credit Card from American Express: As far as airline credit cards go, this one offers major rewards. You’ll earn 2 miles for every dollar spent on eligible Delta purchases.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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

Ongoing Apr:
18.24% - 25.24% Variable

Balance Transfer:
18.24% - 25.24% 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: The Chase Sapphire Preferred® Card is one of the most popular credit cards on the market. One look at their killer sign-up bonus will show you why. If you spend $4,000 within the first 3 months after sign-up, you can earn 60,000 bonus points. Redeem those points through Chase Ultimate Rewards® and you have an extra $750 for travel expenses. This card will have you earning ultimate rewards!

With this card, you’ll earn some major cash. You’ll also earn 2X points on travel and dining at restaurants, as well as 1X point per dollar you spend on all other purchases. You can also transfer those points to leading airline and hotel loyalty programs for even greater flexibility. Unlike many reward point programs, there are no blackout dates for the use of your points. Plus, this card has no foreign transaction fees.

Drawbacks: This card has 18.24% - 25.24% Variable APR, which is a little steep. It also has an annual fee of $95. Are you worried that the lure of a high sign-up bonus and other rewards would send you on a major spending spree? You might want to find another credit card.

Hilton Honors American Express Ascend Card

Hilton Honors American Express Card

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

Ongoing Apr:
17.74%-26.74% Variable

Balance Transfer:
17.74%-26.74% Variable

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 90,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.

Card Details +

Benefits: If you’re a fan of the Hilton brand, this might be the card for you. It offers fantastic rewards for stays in Hilton properties. If you spend $1,000 in eligible purchases in the first 3 months, you earn 75,000 Hilton Honors Bonus Points.

In addition, you can earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio. Eligible purchases at U.S. restaurants, gas stations and supermarkets earn 5X points for each dollar. With this card, you can earn bonus points with 3X points on eligible purchases.

When you spend $20,000 on eligible purchases in a calendar year, you can upgrade to Hilton Honors Gold status through the end of the next calendar year. And unlike other credit cards with a hefty sign-up bonus and rewards program, the Hilton Honors American Express Card doesn’t have an annual fee. Plus, this is a great card for those international travelers–it has no foreign transaction fees.

Drawbacks: Unless you often stay at a Hilton Hotel when you travel, this probably isn’t the card for you. And, much like any other credit card with significant rewards, this the Hilton Honors American Express Card has a high APR of 17.74%-26.74% Variable.

Capital One® Venture® Rewards Credit Card

Capital One Venture Card Benefits: Every purchase earns 2X miles for each dollar, while certain hotel bookings garner 10X miles per dollar spent. You’ll also be able to transfer your miles to over 12 airline loyalty programs. Through this card, you’ll also receive up to $100 application fee credit for Global Entry or TSA pre-check. Plus, this card has a $0 Intro fee for the first year.

Plus, your miles won’t expire for the life of the account and there’s no limit to how many you can earn. If you find yourself traveling internationally more often than not, this card has no foreign transaction fees.

Drawbacks: This is another card that could easily lull you into a spending spree. Keep an eye on your spending to make sure those extra miles don’t make you go overboard. And while a $0 Intro fee for the first year is a definite plus, make sure that the following $95 annual fee doesn’t hit you out of nowhere.

Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

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

Ongoing Apr:
17.74%-26.74% Variable

Balance Transfer:
17.74%-26.74% Variable

Annual Fee:
$0 introductory annual fee for the first year, then $95.

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on other purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Card Details +

Benefits: The Gold Delta SkyMiles® Credit Card is a good travel rewards card for anyone often flies Delta. This card gives you 30,000 Bonus Miles after you spend $1,000 within the first 3 months. It also gives a $50 Statement Credit after you make any Delta purchase in the first 3 months of having your card.

For every Delta purchase you make on the card, you earn 2X miles per dollar you spend. The rate is 1X mile per dollar on other eligible purchases. This card will also get you Main Cabin 1 Priority Boarding on Delta flights, as well as your first checked bag for free.

Drawbacks: Having a $0 introductory annual fee for a whole year is a definite plus, but that $95 fee that follows can sneak up on you. And unlike many of the cards mentioned, you won’t earn points or cash back rewards with the Gold Delta SkyMiles Card. You’ll only get miles.

Use Credit Responsibly

Let’s say you find the perfect credit card with major cash rewards, but it’ll require you to spend more than you otherwise would to receive the benefits. In this case, getting that particular card may not be a financially wise choice. Keep an eye out for high interest rates, annual fees or transaction fees. If they’re excessive, they’ll outweigh the rewards.

Remember to only charge what you can pay off in a month or two. Cards with good rewards and bonuses typically have a high APR. This means you will pay a lot of interest if you carry a balance forward each month. That interest could cost you more than you earned in bonuses.

In addition to considering the credit cards with a high sign-up bonus, take a look at credit cards that offer 0% intro APR for a period of time. These cards save you money if you can pay off the balance during that period.

Look into some of the best cards in this category:

Other cards offer a 0% APR on new purchases, but charge a variable rate on balance transfers. These cards are not a good choice if you want to move balances from one card to another as you will still pay interest on that balance. Be sure to read the fine print to get the card that meets your needs.

Check out Credit.com for all the information you need to compare sign-up bonuses, APRs, annual fees and anything else you can think of. Visit to get the card that will help you secure your financial future.

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