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Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

If you want to earn lots of points, miles, or cash back quickly, the best strategy is to apply for a rewards credit card and earn its welcome bonus offer. You’ll usually have to meet a minimum spending requirement in a specified time frame (typically a few months), and it’s well worth the effort to unlock a big bonus. 

Even better, many top travel rewards cards are currently offering record-high welcome bonuses. Some of these offers are only available for a limited time, so you shouldn’t wait long to apply.

Find the right credit card bonus for you

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75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Earn unlimited 1.5% cash back on every purchase made for your business.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best current credit card offers

The Platinum Card® from American Express


Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

American Express The Platinum Card® from American Express

The Platinum Card® from American Express


Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

On American Express’s website


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.


Annual Fee

$695

See Rates and Fees

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Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

See Pay Over Time APR

Editor’s Rating

4.75/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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American Express The Business Platinum Card® from American Express

The Business Platinum Card® from American Express


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Rewards

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

American Express The Business Platinum Card® from American Express

The Business Platinum Card® from American Express


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Rewards

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

On American Express’s website


Rewards

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Recommended Credit

Good to Excellent


Regular APR

17.24% – 25.24% Variable

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American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.


Annual Fee

$250

See Rates and Fees

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Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

18.99% – 25.99% Variable

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American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee


$0 intro for the first year, then $95

Annual Fee

On American Express’s website


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


Annual Fee

$0 intro for the first year, then $95


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.99% Variable


Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

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American Express American Express® Business Gold Card

American Express® Business Gold Card


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Business Gold Card

American Express® Business Gold Card


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Recommended Credit

Good to Excellent


Regular APR

17.24% – 25.24% Variable

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Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Excellent


Regular APR

19.99% – 26.99% Variable

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Citi Citi Premier® Card


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

Citi Citi Premier® Card


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Recommended Credit

Good to Excellent


Regular APR

18.99% – 26.99% Variable

Editor’s Rating

4.3/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular APR

18.24% – 25.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Chase Chase Sapphire Reserve®


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Chase Chase Sapphire Reserve®


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Rewards

Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular APR

19.24% – 26.24% Variable

Editor’s Rating

4.65/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Chase Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Chase Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

18.24% – 23.24% Variable

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Chase Ink Business Cash® Credit Card

Ink Business Cash® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Chase Ink Business Cash® Credit Card

Ink Business Cash® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

15.49% – 21.49% Variable


Intro APR

0% intro APR on purchases for 12 months from account opening

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Chase Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.

Chase Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.


Rewards

Earn unlimited 1.5% cash back on every purchase made for your business.


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

15.49% – 21.49% Variable


Intro APR

0% intro APR on purchases for the first 12 months

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The Platinum Card® from American Express
is offering one of the most lucrative bonuses we’ve seen in recent months: 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership. 

You can get hundreds of dollars in value from perks like up to $200 in Uber (including Uber Eats) credits** per year and up to $100 in annual Saks Fifth Avenue credits**. The Platinum Card also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers**.

Travelers can take advantage of up to $200 in airline fee credits** each calendar year, airport lounge access, complimentary hotel elite status with Hilton and Marriott**, travel insurance, and Amex Fine Hotels and Resorts. You can use the Amex Membership Rewards points you’ll earn with the card to book flights, hotels, and more through Amex Travel, or transfer points to airline and hotel partners like Delta, British Airways, and Marriott.

The annual fee is $695. However, if you can put these new perks to use, you can get thousands of dollars worth of value from the Platinum Card.

Small-business owners have a big opportunity to earn a massive amount of points with the limited-time welcome bonus offer on The Business Platinum Card® from American Express
. Like the personal Platinum Card, there’s a hefty annual fee — $695 — but it’s more than worth it if you can maximize the card’s perks.

Amex Business Platinum Card members get some of the same perks as personal cardholders, including airline fee credits, hotel elite status, and airport lounge access. You can also receive statement credits for Dell Technologies, Indeed, Adobe, and U.S. wireless service providers***, and get a 35% points rebate when you redeem points for first- or business-class tickets, or for any fare with your selected airline, through Amex Travel (up to 500,000 points back per calendar year).

If you’re not sure which version of the card is best for you, our comparison of the Amex Platinum and Business Platinum can help narrow down your choice.

The Amex Gold Card is sometimes overlooked as the “kid brother” to its Platinum siblings, but it’s actually one of our favorite rewards cards, especially for dining. You’ll earn 4x points at restaurants up to $25,000 per year (then 1x) and up to $120 in annual dining credits** that you can use at select restaurants and on Grubhub and Seamless. It also offers up to $120 Uber Cash ($10 per month credit) each calendar year (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

The card didn’t always come with an attention-grabbing welcome bonus offer, but it’s now increased its intro offer to 60,000 points after you spend at least $4,000 in your first 6 months of card membership. Considering you can transfer your Amex points to nearly two dozen travel partners, these points can unlock lots of options for flights or hotel stays.

If you like earning cash back and spend a lot on groceries and streaming services, the Blue Cash Preferred® Card from American Express is tough to beat. It’s now offering a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening, and earns 6% back at U.S. supermarkets on up to $6,000 in spending per calendar year (then 1%).

You’ll also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits). If you max out the $6,000 limit at U.S. supermarkets, you could earn $360 in cash back each year just from that category alone — that’s more than enough to offset the annual fee of $0 intro for the first year, then $95.

The American Express® Business Gold Card normally offers 35,000 points after meeting minimum spending requirements, so this limited-time bonus is double the usual points. If you can maximize the credits you’ll do even better, because they can more than offset the card’s $295 annual fee.

One reason the Amex Business Gold card has remained popular with small-business owners is the ability to earn 4x Amex Membership Rewards points in the top two categories you spend the most in each month, on up to $150,000 in combined purchases each year (then 1x).

These categories include airfare purchased directly from airlines, US gas stations, US restaurants, US shipping providers, US computer hardware, software, and cloud systems from select technology providers, and US purchases for advertising in select media (online, TV, radio).

The Capital One Venture X Rewards Credit Card was launched last year, and it offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening — worth at least $750 in travel, based on Insider’s valuations.

The Capital One Venture X Rewards Credit Card is packed with upscale benefits that can more than offset the $395 annual fee — which is lower than other premium travel cards.

Cardholders receive up to $300 per year in statement credits toward travel booked through Capital One, Priority Pass and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

Like other cards that earn Capital One miles, you can transfer rewards to over a dozen airline and hotel partners to book award travel.

The Citi Premier® Card is another card that doesn’t always get the attention it deserves. It earns flexible Citi ThankYou Rewards points that you can redeem for travel, transfer to airline and hotel partners, cash in for statement credits, gift cards, or merchandise. 

In addition to offering a bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, the Citi Premier card stands out for its wide range of bonus categories, including 3 points per dollar at restaurants and supermarkets. This makes the card a great option for maximizing your everyday purchases — because everyone has to eat.

The Citi Premier® Card also comes with a hotel savings benefit that can offset its entire $95 annual fee. This perk will save you $100 once per calendar year when you book a hotel stay of $500 or more (excluding taxes and fees) through ThankYou.com. Here’s our Citi Premier card review for all the details.

You can’t go wrong with the Chase Sapphire Preferred® Card — it’s one of the best to start with if you’re new to credit card rewards (or if you don’t want to pay the $550 annual fee on its premium sibling, the Chase Sapphire Reserve®). 

The card currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You can find out more about the card in our full Chase Sapphire Preferred review.

The great thing about Chase Ultimate Rewards® points is their flexibility — redemption options include booking travel directly through the Chase Travel Portal, transferring points to travel partners like United and Marriott, or cashing in rewards for statement credits, gift cards, and merchandise.

The more premium sibling of the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® is offering 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. It also earns Chase Ultimate Rewards points, allows transfers to Chase airline and hotel partners, and offers the same variety of options for points redemption as the Chase Sapphire Preferred® Card.

The Chase Sapphire Reserve® has a $550 annual fee — substantially higher than the Chase Sapphire Preferred® Card. However, if you can make use of the card’s additional benefits — especially if you’re traveling — the annual fee is certainly worth it

Like the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® recently got a refresh, with improved or new bonus categories and benefits like access to the new Chase Sapphire Lounges (when open) at New York-LaGuardia (LGA), Boston (BOS), San Diego (SAN), Phoenix (PHX), Las Vegas (LAS), and Hong Kong (HKG).

The Ink Business Preferred® Credit Card offers the highest welcome bonus among Chase cards that earn Chase Ultimate Rewards points: 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.

Plus, it has generous bonus categories — you’ll earn 3 points per dollar in the first $150,000 in combined purchases you make on categories including travel, shipping, and advertising (and 1 point per dollar on everything else). This card has a $95 annual fee, and it offers benefits like primary rental car insurance when you’re renting a car for business purposes and cell phone protection.

If you’re looking for Chase small-business card but don’t want to meet the hefty spending requirement on the Ink Business Preferred® Credit Card, the no-annual-fee Ink Business Cash® Credit Card is a great alternative. You’ll earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening — awarded as 75,000 Chase Ultimate Rewards points.

The Ink Business Cash® Credit Card is a good pick if you spend a lot in the card’s bonus categories: 5% cash back (5x points) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, 2% back (2x points) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year, and 1% back (1x points) on all other purchases with no cap. Find out more in our Ink Business Cash card review.

Some small-business owners don’t want to fuss with bonus categories or spending limits. If that’s your style, the Ink Business Unlimited® Credit Card is an easy pick — it earns 1.5% cash back (1.5x points) on all eligible purchases with no caps.

It’s also offering a bonus of $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening (75,000 Chase Ultimate Rewards points) and has no annual fee. Although you won’t have the opportunity to earn bonus points in popular business categories, the Ink Business Unlimited® Credit Card is a good fit if you value simplicity and straightforward earning.

Best credit card offers frequently asked questions (FAQ)

A welcome bonus, also known as a welcome bonus or intro offer, is a reward of points, miles, or cash back for new cardholders who meet designated requirements. Usually, these requirements involve meeting a minimum spending threshold within the first few months after you open your new credit card account.

Some credit cards almost always have the exact same welcome bonus, while others change frequently. If you’re considering opening a new rewards credit card, do your research to see whether the card you want has previously offered a higher bonus. If it has, it could be worth waiting until that elevated offer returns, or you may even be able to find that higher offer through the credit card issuer’s website.

There isn’t one single best welcome bonus, because even if one card offers more points, not all points and miles are valued equally. There are also different types of credit card rewards: points, miles, and cash back, so the best welcome bonus for you depends on the rewards you value most.

There are typically several options for using a credit card welcome bonus.

If you earn a cash-back welcome bonus, you could be able to use it toward a statement credit to reduce your credit card bill, or you could receive the money in check form. With a travel rewards card, you could use your points or miles to book an award trip, or cash them out for gift cards, money back, or merchandise.

The exact options depend on the credit card you have and its specific rewards program, but the bottom line is that there are several possibilities for using your welcome bonus.

The short answer is yes. A credit card welcome bonus can be a great incentive to apply, especially if you’re looking at a card that has an annual fee, but not every good credit card offers an intro bonus. For example, the Wells Fargo Reflect® Card is one of our favorite balance transfer credit cards, but it doesn’t offer a welcome bonus or earn rewards. It could be worth forgoing an intro bonus if that card’s 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers (3 months intro APR extension with on-time minimum payments during the intro period) (then a 15.99% – 27.99% variable APR) appeals to you.

With travel still challenging due to the pandemic, now may seem like an odd time to open a travel rewards credit card, but earning a welcome bonus now can put you in a great position to use points and miles for your next vacation, whenever that may be. 

Before you apply for a new credit card, make sure you understand how credit card applications affect your credit score. Also make sure you treat your credit cards like debit cards, only spending what you can afford to pay back each month. If you carry a balance to earn rewards, you’ll be putting yourself in a bad financial position — and the interest fees you’ll rack up will easily outweigh any points or miles you earn.



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