Updated August 2025. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2023). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:
Added CSR 125k, Atmos 85k, Hawaiian 80k, BarcAA noAF, JetBlue 80k, Bonvoy 185k, Aeroplan 85k, Amex Gold 100k.
Removed Hilton 100k+$100, IHG 5FreeNights, Marriott 5FreeNights, Delta Gold 80k.
This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.
125,000 Ultimate Rewards points after $6,000 in purchases in the first 3 months. See link for details. $300 Annual Travel Credit, plus a long list of other credits – They advertise “Over $2,700 in annual value”, which I dunno, but it does include Apple TV+, Apple Music, Lyft, DoorDash, StubHub, Peloton. Up to $120 Global Entry or $85 TSA PreCheck fee credit. $795 annual fee.The Platinum Card® from American Express
As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards(R) Points after $8,000 in eligible purchases in your first 6 months. Welcome offers vary and you may not be eligible for an offer. Up to $200 Hotel Credits, up to $240 Streaming Credits, $200 Airline Fee Credits, Up to $200 in Uber Cash via $15 monthly credits, $199 CLEAR(R) Plus credit, $300 Equinox credit, up to $155 Walmart+ credit and more annually! Enrollment is required. Up to $120 Global Entry or $85 TSA PreCheck fee credit. Premium airport lounge access through the American Express Global Lounge Collection®. Enrollment may be required. $695 annual fee. See Rates and Fees As High As 100,000 points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. See link for details. $84 Dunkin’ Credit. Up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at US Dunkin’ locations. Enrollment is required. $100 Resy Credit. Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Broken down into up to $50 in statement credits semi-annually. Enrollment is required. Up to $120 in Uber Cash annually, via $10 monthly credits (good towards Uber Eats or Uber rides in the US). Up to $120 in annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required. 4X points at restaurants worldwide on up to $50,000 per calendar year. 4X points at US supermarkets on up to $25,000 per calendar year. $325 annual fee. See Rates and Fees 85,000 bonus points after $4,000 on purchases in first 3 months. See link for details. Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary. Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year. Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit. $95 annual fee. Subject to 5/24 rule.IHG One Rewards Premier Credit Card
140,000 IHG Points after $4,000 in purchases in the first 3 months. See link for details. Free Night after each account anniversary year (valued up to 40,000 IHG points). $99 annual fee. Subject to 5/24 rule. Don’t like annual fees? The no-annual fee Traveler version also has a competitive offer with no annual fee.Citi AAdvantage Platinum Select Card
80,000 American Airlines miles after $3,500 in purchases in first 4 months. See link for details. First checked bag free on domestic AA flights ($80 value per roundtrip, per person). $0 annual fee for the first year, then $99.Barclays AAdvantage Aviator Red Mastercard
50,000 American Airlines miles after any single purchase in the first 90 days. See link for details. First checked bag free on domestic AA flights ($80 value per roundtrip, per person). $0 intro annual fee for the first year, then $99.Capital One Venture Rewards Credit Card
75,000 Miles (worth $750 in travel) after $4,000 in purchases within 3 months. See link for details. 2 Miles per dollar on all purchases. Up to a $120 credit for Global Entry or TSA PreCheck(R). $95 annual fee.British Airways Visa Signature® Card
75,000 Avios after $5,000 in purchases within first 3 months. See link for details and redemption tips. 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials. Free Travel Together companion ticket when you spend $30,000 in a calendar year. $95 annual fee.Chase Sapphire Preferred® Card
75,000 Ultimate Rewards points after $5,000 in purchases within the first 3 months. See link for details. $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase TravelSM, 3x on dining and 2x on all other travel purchases. $95 annual fee. Subject to 5/24 rule.*Marriott Bonvoy Brilliant® American Express® Card
185,000 Marriott Bonvoy(R) bonus points after $6,000 in purchases within the first 6 months of Card Membership. See link for details. Up to $300 in Annual Dining Credits, valid at restaurants worldwide. Enrollment required. Priority Pass Select airport lounge membership. Automatic Marriott Bonvoy(R) Platinum Elite status. Free Night Award upon card anniversary (worth up to 85,000 Bonvoy points). $650 annual fee. See Rates and FeesCapital One Venture X Rewards Card
75,000 miles (worth $750 to offset travel purchases, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details. $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel. Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. Priority Pass + Capital One airport lounge access. Up to a $120 credit for Global Entry or TSA PreCheck(R). $395 annual fee. 60,000 points (worth $600 in gift cards, or transferrable to miles/points) after $4,000 in purchases in the first 3 months. See link for details. 3X points for every $1 spent on Hotel purchases, Air Travel, Restaurants, Supermarkets, Gas Stations, EV Charging. Must not have gotten bonus from or closed a Citi Premier or Strata Premier card in the past 48 months. $95 annual fee.Bank of America Premium Rewards Card
60,000 points (worth $600) after $4,000 in purchases within the first 90 days. See link for details. $100 annual Airline Incidental Statement Credit. Up to $100 credit towards TSA PreCheck or Global Entry application fee. $95 annual fee.Wells Fargo Autograph Journey Card
60,000 points (worth $600 towards travel) after $4,000 in purchases within the first 3 months. See link for details. $50 annual statement credit with $50 minimum airline purchase. $95 annual fee.Atmos
Rewards Ascent Visa Card (Bank of America)
Delta SkyMiles® Gold American Express Card
50,000 Bonus Miles after $2,000 in purchases in the first 6 months. See link for details. 80,000 Skymiles are worth at least $800 in Delta airfare with “Pay with Miles” option. $200 Delta flight credit after $10,000 in purchases on your card in a calendar year. First checked bag free on Delta flights ($70 value per roundtrip, per person). $0 annual fee for the first year, then $150. See Rates and FeesMarriott Bonvoy Boundless® Credit Card
3 Free Nights (worth up to 50k points each) after $3,000 in purchases in the first 3 months. See link for details. Free Night after each account anniversary year (valued up to 35,000 Bonvoy points). $95 annual fee. Subject to 5/24 rule.Hilton Honors American Express Card
80,000 Hilton Honors Bonus Points after $2,000 on purchases within your first 6 months. See link for details. No annual fee. See Rates and FeesIf you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on family trips – domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
* 5/24 Rule? Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
Delta SkyMiles(R) Gold American Express Card: See Rates and Fees
American Express(R) Gold Card: See Rates and Fees
The Platinum Card(R) from American Express: See Rates and Fees
Marriott Bonvoy Brilliant(R) American Express(R) Card: See Rates and Fees
Hilton Honors Card from American Express: See Rates and Fees
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