The biggest credit card offers are the quickest, easiest way to earn a large amount of miles and jump start your travel. These are the most lucrative. There are several new best-ever and limited-time offers that have come out over the last several weeks. Many of the offers on this list are new.

Every month I post what I find are the biggest credit card offers out there. Some of last month’s biggest credit card offers are gone or changed. What excites me is that card rewards really seem to be on the upswing in a big way. Now is the time to apply.

Here’s the current up to date list of biggest credit card offers right now – the most lucrative bonuses available. And here are easy ways to meet the minimum spend required by some of the offers.

Here are the cards I consider to be the biggest credit card offers with rich bonuses right now:

1. Aeroplan® Credit Card has an initial bonus to earn up to 100,000 points: 60,000 points after you spend $4,000 on purchases in the first three months your account is open, plus 40,000 points after you spend $20,000 on purchases in the first 12 months your account is open.

   The card comes with elite status in your first year ($15k annual spend keeps it) and $50,000 spend in a year bumps you up a level from whatever you earn for the next calendar year.

   They’ve introduced Pay Yourself Back with the card allowing members to apply points towards travel expenses charged to the card at 1.25 cents apiece in value up to 50,000 points per calendar year (cap doesn’t apply in 2023).

2. Southwest Airlines Rapid Rewards credit cards are including a companion pass as part of their initial bonus for a limited time. friend or spouse you designate can travel with you free (plus government taxes) whenever you fly – whether you’re traveling on points or a paid ticket, as long as there’s still a seat for sale on the aircraft. (Offers expired)

   Earn Companion Pass® good through 2/28/24 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening with:

   • This $149 annual fee card provides a $75 Southwest® travel credit each year; 25% back on in-flight drinks, WiFi, messaging, and movies; and 4 upgraded boardings per year when available (when A1-15 boarding positions are offered at the gate, buy it and you’ll receive a statement credit for the charge); and 7,500 anniversary points each year.

   • Southwest Rapid Rewards® Plus Credit Card You earn 3,000 anniversary points each year on the $69 annual fee card.

   • Southwest Rapid Rewards® Premier Credit Card You earn 6,000 anniversary points each year (after your cardmember anniversary), a nice incentive to keep this $99 annual fee card, and you receive 2 EarlyBird Check-In® credits each year.

   The application page for these offers say they end 3/13/2023. I do not know what time on March 13th the offers will be pulled, nor which links may be pulled first. But the sooner you take advantage of the offer, the longer you’ll have to use the Companion Pass.

   

3. Ink Business Preferred® Credit Card has a 100,000 point initial bonus after $15,000 spend within 3 months. That can even be enough for a roundtrip business class award ticket between the US and Europe.

   It earns 3 points per dollar on the first $150,000 spent each year on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and shipping and advertising on social media and search engines, so great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google. It also comes with $600 protection against theft or damage when you use it to pay your cell phone.

   

4. Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have increased their initial bonus offers and are now offering biggest-ever bonuses. (offer expired)
   • The Ink Business Unlimited® Credit Card has an initial bonus offer to earn $$900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

     Your ongoing spend will earn unlimited 1.5% cash back on every purchase made for your business.

   • The Ink Business Cash® Credit Card has an offer to earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

     Ongoing earn is rich especially 5x categories: 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 card purchases with no limit to the amount you can earn.

   Think of both of these offers as 90,000 points, which – if you have an Ultimate Rewards card whose points transfer to airline miles and hotel points – can be combined into one of Chase’s annual fee Ultimate Rewards products, and then transferred to a variety of loyalty program partners.

5. Capital One Venture X Rewards Credit Card has an offer to earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

   The card earns unlimited 2X miles on purchases – and 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.

   You’ll receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options. And you’ll get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. With this card you can access the Capital One Lounge as well as Priority Pass lounges.

6. Capital One Venture Rewards Credit Card Capital One is offering a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. You’ll unlimited 2X miles on every purchase, every day (Transfer your miles to your choice of 15+ travel loyalty programs.) This $95 annual fee card also comes with up to a $100 application fee credit for Global Entry or TSA PreCheck®.

7. CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is offering 65,000 American Airlines AAdvantage® miles after spending $4,000 in purchases within the first 4 months of account opening. This card has a $0 annual fee the first year (then $99).

   The card offers first checked bag on domestic American Airlines itineraries. There’s preferred boarding on American Airlines flights as well. And each eligible mile earned from purchases also earns a Loyalty Point towards elite status.

   

8. Delta American Express offers have increased, alongside needing one as now the only way to get the lowest-priced award redemptions through SkyMiles, a new 15% off redemption benefit.

   Consumer cards:
   

   • Delta SkyMiles® Gold American Express Card has an offer to earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. It has a $0 annual fee the first year, then $99. See Rates & Fees.

   • Delta SkyMiles® Platinum American Express Card has an offer to earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.

     You can earn up to 20,000 Medallion Qualification Miles (MQMs) with Status Boost per year. After you spend $25,000 in purchases on your card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status.

     You’ll receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. This is a $250 annual fee card. See Rates & Fees.

   • Delta SkyMiles® Reserve American Express Card has an offer to earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months.

     You can earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status.

     This is the card provides complimentary access to the Delta Sky Club for you when travelling on a Delta flight. Enjoy complimentary access to The Centurion Lounge when you book a Delta flight with your Reserve Card. With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.

     Benefits include a Domestic First Class, Delta Comfort+ or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. $550 Annual Fee. See Rates & Fees

   Business cards:
   

   • Delta SkyMiles® Gold Business American Express Card has a limited time offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23. This card has a $0 introductory annual fee for the first year, then $99 annual fee. See Rates & Fees.

   • Delta SkyMiles® Platinum Business American Express Card has a limited time offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.

     Spending on this card can help earn Delta elite status: earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.

     You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. This is a $250 annual fee card. See Rates & Fees

   • Delta SkyMiles® Reserve Business American Express Card has a limited time offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.

     The card includes complimentary access into Delta Sky Club when traveling Delta. There’s no basic economy exclusion for entry as there is now with a paid membership. Plus get two Delta Sky Club One-Time Guest Passes each year. In addition when you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge Centurion Studio Partner.

     Spending on this card can help earn Delta elite status: earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status. This is a $550 annual fee card. See Rates & Fees.

9. Chase Sapphire Preferred® Card lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

   Points transfer to United, Hyatt, Southwest, British Airways, Virgin Atlantic, Singapore Airlines, JetBlue, Air France KLM, Emirates, JetBlue, Iberia, Aer Lingus, Marriott Rewards, and IHG One Rewards. Probably the best all-around credit card, certainly for getting started in the hobby, and with a great initial bonus.

   In fact since it seems easier to get approved for than Reserve, a great strategy if you want Sapphire Reserve is to get the Sapphire Preferred card and ask Chase to product change in a year. In general Chase doesn’t approve this card for folks who have signed up for 5 or more new card accounts in the past 24 months, it’s the first card you should apply for. (The same applies to the rest of the Chase cards on this list, too.)

   

10. American Express® Gold Card is my go-to for 4 membership Rewards points per dollar on restaurants and on the first $25,000 spent each calendar year at U.S. supermarkets. This is one of the best points-earning cards. It’s my primary American Express card for earning points, and Membership Rewards is my favorite points program. It also earns 3 Membership Rewards points per dollar on flights booked directly with airlines or on amextravel.com.

    In other words it’s a great card even aside from the initial bonus however right now there’s a best-ever bonus for the card. In the past there’s been a standard 35,000 point offer, and there have been targeted and referral offers that would come and go for more. But right now American Express has a big 60,000 point offer which is amazing: Earn 60,000 Membership Rewards points after $4,000 spend on eligible purchases within the first 6 months.

    This is a $250 annual fee card (see rates and fees). I value Membership Rewards points at 1.8 cents apiece, largely because of their wide array of transfer partners many of which offer exceptional value:

    • Star Alliance: Aeroplan, ANA, Singapore, Avianca
      
    • oneworld: AsiaMiles, British Airways, Iberia, Qantas
      
    • SkyTeam: Aeromexico,Air France KLM, Delta
      
    • Non-alliance: Etihad, Emirates, Hawaiian, JetBlue, Aer Lingus, Virgin Atlantic
      
    • Hotels: Choice, Hilton, Marriott

    

11. IHG® Rewards Premier Credit Card has an offer to earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. That’s the biggest points offer ever for this card.

    You’ll enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. That’s valid on nights that cost up to 40,000 points but there’s also a new top off option so you aren’t so restricted where you spend the night.

    The card comes with Platinum status, and cardmembers enjoy a reward night free when you redeem points for any stay of 3 or more nights (e.g. 4th night free, better than competitor 5th night free on redemptions).

12. American Express® Business Gold Card has an offer to earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

    The card earns More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Terms apply. Eligible categories are: airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

    This is a $295 annual fee card. Terms apply. See rates and fees.

13. British Airways Visa Signature® Card has an initial bonus offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

    Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years (which can now be used for 50% off a solo traveler’s Avios required for an award if you prefer that over 100% off of a companion). Cardholders receive a 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.

    Chase issues not just the British Airways card but also sister Aer Lingus and Iberia products and they each have similar bonus offers.

    • Aer Lingus Visa Signature® Card has an offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

    • Iberia Visa Signature® Card has an offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

    Active Avios accounts can transfer points between them, so it’s possible to pool points across the Iberia, British Airways and Aer Lingus programs.

    

14. The Platinum Card® from American Express has an offer to earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

    You can also always check to see if you’re targeted for an even bigger offer using the CardMatch tool.

    The card is clearly worth getting on the basis of this new offer alone. However I keep my card and consider it worth the annual fee (See rates and fees) based on up to a $200 annual Uber credit; up to $200 annual airline fee credit (Southwest has been my airline of choice for this, enrollment required); up to $100 annual Saks credit (enrollment required, up to $50 semi-annually); and lounge access (Centurion, Delta, Priority Pass which cardmembers need to request, Plaza Premium) and Hilton and Marriott Gold statuses, which you can register for. I also value the $189 CLEAR credit (Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card) and $240 Digital Entertainment Credit (Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required).

Think there’s a card that belongs on this list but isn’t here, leave a comment!

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the American Express® Business Gold Card, click here
For rates and fees of the Delta SkyMiles® Gold American Express Card, click here./i>
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the American Express® Gold Card, click here.

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CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Earn 65,000 AAdvantage miles.

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