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When you’re comparing the best credit cards, one of the first things you likely look at is the current sign-up bonus. A sign-up bonus is the credit card’s incentive for you to open a new account.
Some examples of credit card sign-up bonuses include cash back after spending a certain amount in the first few months after opening an account. Or if it’s a travel card, the issuer may provide a slew of bonus airline miles. Most sign-up promotions do require that you not only sign up for the card but also that you spend a certain amount in those initial months.
So how do the best credit card sign-up bonus offers compare to one another?
Best Credit Card Sign-Up Bonus Offers
Here are some of the best credit card sign-up bonuses available:
- Capital One Venture Rewards Credit Card
- Chase Sapphire Preferred Card
- Chase Sapphire Reserve
- Capital One Quicksilver Cash Rewards Credit Card
- Citi/AAdvantage Platinum Select World Elite Mastercard
- Amex EveryDay Credit Card
- The Platinum Card From American Express
- Bank of America Premium Rewards
- Citi ThankYou Premier
Capital One Venture Rewards Credit Card
The Venture card from Capital One does require excellent credit to qualify in most cases, but it’s a great rewards card. The current new cardmember offer is 50,000 bonus miles after spending $3,000 on purchases in the first three months after opening a new account.
The Venture card features unlimited double miles on every dollar spent on every purchase. Cardholders can earn 10 times miles on many hotel purchases through hotels.com/venture, and there’s no annual fee for the first year. After that, it’s $95 annually.
What a lot of people love about the Venture card is the flexibility. The card can be used to make travel purchases from any airline, hotel company, or travel company. The APR is 14.74% to 24.74%.
Chase Sapphire Preferred Card
Chase Sapphire Preferred Card offers 50,000 bonus points if you spend $4,000 in three months after opening an account. That equates to $750 that can be used for travel when points are redeemed through Chase Ultimate Rewards.
The card also features double points on travel and restaurant dining. The annual fee is $95. On all purchases beyond travel and dining spending, the card earns one point per dollar. The variable APR is 17.74% to 24.74%.
Chase Sapphire Reserve
The Chase Sapphire Reserve is an excellent card overall. The current new sign-up bonus is the opportunity to earn 50,000 bonus points after spending $4,000 within the initial three months after opening the account.
The 50,000 bonus points are equal to $750 toward airfare and other travel purchases when booked through Chase Ultimate Rewards. Cardholders get an automatic $300 credit toward travel purchases on their statement each anniversary year.
The card earns triple points on travel (after using full travel credit) and dining, which includes airfare, hotels, and anything from fine dining to casual dining. The annual fee for this card is very high, however. It’s $450 a year, and then another $75 for each authorized user. The variable APR is 17.74% to 24.74%.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver card features a cash bonus of $150 if you spend $500 on purchases within the three months of getting an account. This card also has a 0% introductory APR for the first 15 months on purchases and balance transfers after opening an account.
There are unlimited 1.5 percent cash back rewards on all purchases, and there is no annual fee. The rewards with this card can be redeemed for any amount and at any time. As long as the account remains active, there is no expiration date.
The purchase rate after the 0% APR introductory period ranges from 14.74% to 24.74% variable.
Citi/AAdvantage Platinum Select World Elite Mastercard
This co-branded American Airlines card features a limited time bonus opportunity to earn 50,000 airline miles after spending $2,500 in the first three months of opening the account. The annual fee of $99 is waived for the first 12 months after opening an account.
The card has perks including preferred boarding on domestic flights and no foreign transaction fees. Cardholders also earn double miles on all eligible American Airlines purchases, and then 1 AAdvantage mile for every dollar spent on other purchases. The card earns double miles in certain categories including restaurants and gas stations.
The APR ranges from 17.74% to 25.74%.
Amex EveryDay Credit Card
The Amex EveryDay Credit Card has a good sign-up bonus for those who are not big spenders. The card includes the opportunity to earn 15,000 Membership Rewards Points if the card is used to make $1,000 in purchases during the first three months.
There is also a $0 balance transfer fee for transfers requested within 60 days of opening an account. The introductory APR for purchases and balance transfers is 0% for the first 15 months of the account. After that, the APR ranges from 14.74% to 25.74%.
The Amex EveryDay card earns 20 percent more points if a cardholder makes 20 or more purchases in a billing period, and it earns double points at supermarkets in the U.S.
The Platinum Card From American Express
The Platinum Card is a high-end card option from American Express. This charge card features the opportunity to earn 60,000 Membership Rewards Points if the card is used for $5,000 in purchases during the first three months. There is no interest charged to The Platinum Card because the balance is paid in full each month.
The Platinum Card has a high annual fee of $550, and it earns 5X Membership Rewards points on flights booked directly with the airline or with American Express Travel. The card includes up to $200 in Uber rides and a $200 airline credit as well.
Bank of America Premium Rewards
The Bank of America Premium Rewards card features a 50,000 bonus point offer right now, which is a value of $500. To get the sign-up bonus, new cardholders have to make at least $3,000 in purchases in the initial 90 days after the account is opened.
The card also includes unlimited two-point earnings on certain purchases, and there’s up to a $200 travel statement credit reward available.
The annual fee is $95 and the standard APR is 17.74% to 24.74%.
Citi ThankYou Premier
The current offer available with the Citi ThankYou Premier card is the ability to earn 50,000 bonus miles after spending $4,000 in purchases within the first three months. This card also includes three times points earnings on travel which includes purchases at gas stations, and two times points on dining out and entertainment. All other purchases earn one point.
The card has an annual fee of $95, but that’s waived for the first year. The APR is 16.24% to 25.24%.
The Bottom Line
If you take the time to compare the best credit card sign-up bonus offers above, you’ll find that many are appealing, but they do vary significantly. Many of the top bonuses can make cards worthwhile for consumers with rewards that can easily pay for the annual cost of the card.
Author: Ashley Sutphin
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