Best credit card sign-up bonuses
Every consumer credit card welcome bonus we track, cash and points alike. Points and cash are not the same currency and we never convert one into the other, so compare within a type and weigh the spend requirement and any annual fee on each.
USAA is offering a $250 bonus on its Preferred Cash Rewards Visa Signature card. Spend $1,000 on qualifying purchases by November 30, 2026 to earn it, and the reward posts to your rewards balance up to 90 days after the promotion ends.
USAA is offering a $200 cash bonus on its Cashback Rewards Plus American Express Card when you spend $1,000 on qualifying purchases by November 30, 2026. The bonus is added to your rewards balance up to 90 days after the promotion ends.
Open a new Navy Federal Flagship Rewards Visa Signature card and spend $3,500 within 90 days to earn 35,000 bonus points worth about $350. Points post to your rewards balance up to 8 weeks after the 90-day spending window closes.
Open a new Navy Federal cashRewards or cashRewards Plus credit card and spend $2,500 within 90 days to earn a $250 cash back bonus. The bonus posts to your rewards balance up to 8 weeks after the 90-day spending window ends.
The Gold Card's public welcome offer runs as high as 100,000 Membership Rewards points after $8,000 of spend in 6 months. Amex personalizes the offer, so the exact number is shown before you apply, and checking it is a soft pull.
Wyndham Rewards Earner Premier cardholders can earn up to 120,000 bonus points, split between 90,000 points for spending $6,000 and paying the annual fee within 120 days and 30,000 points for spending $750 at Wyndham hotels within 180 days.
Bank of America's Travel Rewards card offers 25,000 online bonus points, worth about $250, when you spend at least $1,000 in purchases within the first 90 days of opening the account. The card has no annual fee and no foreign transaction fees, and earns unlimited 1.5 points per dollar on all purchases.
The Wyndham Rewards Earner Card offers up to 75,000 bonus points, worth up to 10 free nights. You earn 30,000 points after spending $1,000 on purchases in the first 90 days, plus another 45,000 points after spending $500 at hotels by Wyndham within the first 180 days.
Open the IHG One Rewards Premier Credit Card and earn 140,000 bonus points after spending $3,000 in the first 3 months. The card carries a $99 annual fee.
Capital One's Spark Cash business card offers a $1,000 cash bonus for spending $10,000 in the first three months after opening the account. You must start the application from this specific page for the offer to apply.
The United Explorer Card offers up to 60,000 bonus miles for new cardmembers. You get 50,000 miles after spending $3,000 in the first 3 months, plus 10,000 more if you add an authorized user in that same window.
Citi is offering 60,000 bonus ThankYou points on the Strata Premier Card after you spend $4,000 in purchases within the first 3 months of opening the account. The card carries a $95 annual fee.
Capital One is offering a one-time $250 cash bonus on the Savor Rewards card. You get it after spending $500 on purchases within the first 3 months of opening the account.
The One Key Card from Wells Fargo offers $250 in OneKeyCash after you spend $1,000 on purchases within the first 3 months of account opening. There is no annual fee.
The Lufthansa Miles & More World Elite Mastercard offers 70,000 bonus miles after you spend $4,000 in purchases and pay the $89 annual fee in full, both within the first 90 days of account opening.
New cardholders of the Atmos Rewards Summit Visa Infinite Card can earn 100,000 bonus points by spending at least $6,000 on purchases within the first 90 days of opening the account.
The Discover it Student Cash Back card offers a $100 statement credit bonus for new cardholders who spend $300 in purchases within their first 3 months. Discover also matches all cash back earned in the first year, though that is a separate ongoing rewards match rather than part of this sign-up bonus.
Open a Bank of America Premium Rewards credit card and spend at least $4,000 on purchases within the first 90 days to earn 60,000 bonus points, worth about $600. There is a $95 annual fee.
Get 60,000 bonus United MileagePlus miles after spending $3,000 on purchases within the first 3 months of opening the United Explorer Card. Extra bonus miles are available for adding an authorized user or using a promo code.
Fremont Bank's Platinum Rewards Mastercard offers a one-time $50 cash back bonus when you spend $1,000 in purchases within the first three months of opening the account.
The standing premium-travel offer: 75,000 miles on $4,000 of spend, on a card whose $395 fee is largely covered by a $300 travel credit and 10,000 miles each year. Capital One is known to pull all three credit bureaus, and approvals are sensitive to thin or bureau-frozen files.
The Sapphire Reserve earns 100,000 points after $6,000 of spend in 3 months. The annual fee is $795 and is not waived, so weigh it against the credits you will actually use. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus.
Heritage Community Credit Union is offering 10,000 bonus points, worth about $100 in cash redemption value, to new cardholders who spend at least $1,500 in net purchases within the first 3 months of opening a rewards credit card account.
New BECU Cash Back Credit Card holders can earn a $200 bonus by spending $2,000 in purchases within the first three months of opening the account. The bonus is paid as a statement credit within about 30 days of qualifying.
New Marriott Bonvoy Brilliant American Express cardholders can earn up to 150,000 bonus points. You get 100,000 points after spending $6,000 and another 50,000 points after spending an additional $2,000 within the first 6 months.
PenFed's Pathfinder Rewards Visa Signature card offers 50,000 bonus points after you spend $3,000 in purchases within the first 90 days of opening the account. The card carries a $95 annual fee that is waived for Honors Advantage members.
Open a PenFed Pathfinder Rewards Visa Signature card and spend $3,000 on purchases within the first 90 days to earn 50,000 bonus points. The bonus is credited within about 4 weeks after you meet the spending requirement.
Northwest Federal's Now Plus Rewards Visa offers new cardholders 50,000 bonus points after spending $5,000 in purchases within the first 120 days of opening the account. There is no annual fee on this card.
New IHG One Rewards Premier cardholders earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months. The card carries a $99 annual fee.
Ridgewood Savings Bank's Mastercard World card offers a $500 cash back bonus when you spend $5,000 on purchases within the first 90 days of opening the account. The bonus is paid as a direct deposit or a statement credit, and the offer is exclusive to Ridgewood deposit customers.
The Rakuten American Express Card pays a $100 cash bonus after you spend $1,000 in the first 90 days, with no annual fee. It runs on the Amex network but is issued by First Electronic Bank and serviced by Imprint, so it is separate from an Amex-issued card and its once-per-lifetime rules.
Open the Marriott Bonvoy Boundless Credit Card from Chase and spend $3,000 on purchases in the first 3 months to earn 125,000 bonus points, a free night award worth up to 50,000 points, and up to $100 in airline credits. The card carries a $95 annual fee.
PNC is offering a $200 bonus on its Cash Rewards Visa credit card. Open an account and spend at least $1,000 in purchases within the first 3 months to earn it.
Southwest is offering 60,000 Rapid Rewards points as a limited-time welcome bonus on the Rapid Rewards Priority Credit Card after you open the card and meet the spend requirement.
The Venture Rewards earns 75,000 miles after $4,000 of spend in 3 months, on a $95 annual fee. It earns 2x miles on everything and 5x on travel booked through Capital One Travel. Capital One commonly pulls all three credit bureaus.
The Hilton Honors Surpass Card offers 130,000 bonus points after you spend $3,000 in eligible purchases within the first 6 months of card membership. The card carries a $150 annual fee.
Heritage Community Credit Union's rewards credit card gives new cardholders 10,000 bonus points, worth about $100 in cash redemption value, after they spend at least $1,500 in net purchases within the first three months of opening the account.
Chase offers 80,000 bonus IHG One Rewards points after spending $2,000 on purchases within the first 3 months of opening the IHG One Rewards Traveler Credit Card. You can also earn an extra 10,000 points by adding an authorized user within the first 3 months.
Trumark Credit Union offers new Everyday Elite Visa cardholders a $150 bonus after spending $1,500 in purchases within the first 90 days of opening the account.
New cardholders enrolled in the Level Up program can earn a welcome bonus paid in CRO for meeting a spend threshold in the first 90 days. The Basic tier earns $100 for $1,500 spent and the Plus tier earns $200 for $2,000 spent, with a $300 headline advertised across tiers.
Open a Farm Bureau Member Rewards Mastercard and spend $500 on purchases within the first 90 days to earn 10,000 points.
The Delta SkyMiles Reserve American Express Card offers as high as 100,000 bonus miles after you spend $5,000 in purchases within the first 6 months. Welcome offers vary and you may not qualify for the top amount.
Sallie Mae's Accelerate Mastercard offers new cardholders $200 cash back after spending $1,000 in purchases within the first 3 months. The card also lets you redeem rewards at 2% cash back toward paying down a student loan.
The U.S. Bank Altitude Connect Visa Signature Card offers 20,000 bonus points to new cardmembers who spend at least $1,000 in net purchases within the first 90 days of account opening. There is no annual fee on this card.
The Active Cash pays a $200 cash rewards bonus after $500 of spend in 3 months, with no annual fee. It earns a flat 2% back on everything.
Open a Wells Fargo Autograph Journey Card and spend $4,000 on purchases within the first 3 months to earn 60,000 bonus points. The points become redeemable within about 60 days of qualifying.
New Xcel Visa Platinum Rewards cardholders can earn 5,000 bonus points by spending $1,000 or more in eligible purchases within 60 days of opening the account. The points post to your UChoose Rewards account within 90 days after you meet the spending requirement.
The Freedom Unlimited pays a $200 cash bonus after $500 of spend in 3 months, with no annual fee. It earns 1.5% back on everything and more in select categories. As a Chase card it is subject to 5/24.
The Platinum Card's public welcome offer runs as high as 175,000 Membership Rewards points after $12,000 of spend in 6 months. Amex personalizes the offer, so the exact number is shown before you apply, and checking it is a soft pull.
Wescom's Bruin Edge Visa credit card offers a one-time $500 cash back bonus (50,000 MyRewards points) for new cardholders who spend $2,500 within the first 3 months of opening the account. Existing cardholders and those who received a bonus in the last 24 months are not eligible.
Bank of America is offering a $200 welcome bonus to new Customized Cash Rewards and Unlimited Cash Rewards credit cardholders who spend $1,000 or more on purchases within the first 90 days of opening the account.
New cardmembers can earn 70,000 AAdvantage bonus miles after spending $7,000 on purchases within the first 3 months of opening the Citi / AAdvantage Executive World Elite Mastercard. The card carries a $595 annual fee.
The Virgin Red Rewards Mastercard offers 60,000 Virgin Points as a boarding bonus. To earn it, spend at least $4,000 on the card within the first 90 days of opening the account.
The Autograph earns 20,000 points after $1,000 of spend in 3 months, with no annual fee. Those points redeem for about $200 in cash. The card earns 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
CommonCents CU is offering 500 bonus points when you switch to their new rewards credit card and make a first purchase of $50 or more within 50 days. You need to call or email the lending team to apply or switch.
Open the Air France KLM Visa Signature card and spend $3,000 or more within the first 90 days to earn 70,000 bonus miles plus 100 Experience Points, which unlocks Flying Blue Silver status.
PenFed's Power Cash Rewards card gives a $100 statement credit if you spend $1,500 on purchases within the first 90 days of opening the account. The credit shows up about 4 weeks after you hit the spending threshold.
Wells Fargo's Active Cash Card offers a $200 cash rewards bonus for new cardholders who spend $500 in purchases within the first 3 months of opening the account. The bonus becomes redeemable within 60 days after it is earned.
American Express advertises as high as $300 back after you spend $3,000 on purchases in the first 6 months. The welcome offer is targeted: Amex states that offers vary and that you may not be eligible for one, so the amount you are shown on applying can be lower than $300 or absent. The card carries no annual fee for the first year, then $95.
The AT&T Points Plus Card from Citi gives new cardholders a $200 statement credit after they spend $1,000 on purchases within the first three months of opening the account.
Open a Marriott Bonvoy Boundless card and spend $3,000 on eligible purchases within the first 3 months to earn 4 Free Night Awards. Each award covers a one night stay at a property with a redemption level up to 50,000 points, and the awards post to your Marriott Bonvoy account within about 8 weeks of qualifying.
The Sapphire Preferred sits at 75,000 points on a $95 fee. It's a strong standard offer, but down from the 100,000-point all-time high that ran earlier in 2026 and is now gone (Chase's page shows 100k struck through). $5,000 of spend in 3 months. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus.
The Bilt Palladium Card offers a limited-time 50,000-point sign-up bonus plus Gold status after meeting qualifying spend. New cardholders also get $300 in Bilt Cash on account opening.
A $200 cash bonus for new Freedom Flex cardholders who spend $500 in the first three months. The card has no annual fee.
The Capital One Quicksilver card pays a $200 cash bonus after you spend $500 on purchases within three months of opening the account.
Citi is offering up to 80,000 AAdvantage bonus miles on its Platinum Select World Elite Mastercard. You earn the miles by spending $3,500 in purchases within the first 4 months of opening the account.
The Citi Double Cash Card offers $200 cash back after you spend $1,500 on purchases within the first 6 months of opening the account. You also earn unlimited 2% cash back on every purchase, 1% when you buy and 1% when you pay.
The Citi Strata Elite card offers 75,000 ThankYou Points after you spend $6,000 on purchases in the first 3 months of account opening. The card carries a $595 annual fee.
Logix offers 10,000 bonus points, worth $100 in cash redemption value, to new Platinum Rewards Credit Card holders who spend at least $2,500 in net new purchases within the first 90 days of account opening. The bonus points post 10 days after the spending requirement is met.
Capital One's Spark 1.5% Cash Select business card offers a $750 cash bonus after you spend $6,000 on purchases within the first 3 months of opening the account. The card also has no annual fee.
The Marriott Bonvoy Bold card from Chase offers 45,000 bonus points after you spend $1,000 on eligible purchases within the first 3 months of opening the account. The card has no annual fee, and the bonus posts to your Marriott Bonvoy account 6 to 8 weeks after you qualify.
Lafayette Federal Credit Union is offering 50,000 bonus points, worth about $500, on its Platinum Mastercard when you spend $5,000 within the first 90 days of opening the account.
Open an Upgrade Cash Rewards Card along with a Rewards Checking Preferred account and make 3 debit card transactions to earn a $200 bonus. The card also earns 1.5% cash back on purchases once paid off, but that is separate from this welcome bonus.
Samsung's new Galaxy Card offers $200 in bonus cash rewards after you spend $2,000 within the first 90 days of opening the account. Applications open to the general public on July 22, 2026.
U.S. Bank is offering a $200 cash bonus on its Cash+ Visa Signature Card. Spend $1,000 in eligible purchases within the first 90 days of opening the account to earn it, with the bonus posting 1-2 billing cycles after you hit the spend requirement.
Spend $1,500 on purchases in the first 6 months after opening the Citi Double Cash Card and earn $200 cash back.
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