12 Biggest Credit Card Offers Right Now [January 2020]

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While accurate when posted some of the offers listed below have expired.

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. And before the holidays is the perfect time to get one, because it’s even easier than the rest of the year to meet the minimum spending required to earn signup bonuses.

Every month I post what I find are the biggest credit card offers out there. Several of last month’s biggest credit card offers are gone or changed, and new better offers have arrived. So 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.

    my wallet of biggest credit card offers

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

  1. Ink Business Preferred℠ Credit Card has an 80,000 point signup bonus after $5000 spend within 3 months. That can even be enough for a roundtrip business class award ticket between the US and Europe. (Chase points are super valuable because they transfer directly to a variety of airlines and hotels.)

    It earns 3 points per dollar on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and 3 points per dollar on 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.

    singapore airlines a380 suites

  2. 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.

    This is the card to get started with. Get Sapphire Reserve later, perhaps product change to it after a year, this is the easier card to get approved for and it has a better annual fee.

    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 Rewards Club. Probably the best all-around credit card, certainly for getting started in the hobby, and with a great signup bonus.

    In fact since it has a bigger initial bonus offer than Sapphire Reserve (and you can’t get bonuses for both), and is easier to get approved for, 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.

    singapore airlines champagne dom perignon 2006

  3. Southwest Rapid Rewards® Performance Business Credit Card is offering 70,000 Rapid Rewards points with $5000 spend within 3 months. Earning 125,000 points in a year starting in 2020 (including from Southwest credit cards, flights, online shopping through their portal) earns a Companion Pass which allows you to take a designated companion with you for just security taxes when you fly Southwest even on points. A companion pass effectively doubles the value of your points, making 70,000 points worth nearly $2100 in travel.

    The card rebates the cost of four A1 – A15 boardings per year and also the fee for Southwest Airlines wifi service up to 365 times per year.

    southwest airlines boeing 737

  4. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is offering 70,000 AAdvantage® miles after $4,000 in purchases in first 4 months. This card has a $0 annual fee the first year (then $99). [Offer expired] You can get this even if you have the personal card, and even if you have one of the AAdvantage cards from Barclays.

    qantas a380 first class seat
    I Flew Qantas First Class Using AAdvantage Miles This Year With My Wife and Daughter

  5. AAdvantage® Aviator® Business Mastercard® is a $95 annual fee card (not waived first year) offering 65,000 miles after $1,000 in purchases within 90 days and 10,000 more miles for adding an employee card and making a purchase with that card within those 90 days. It is possible to get both the CitiBusiness card above as well as this one.

  6. AAdvantage® Aviator® Red World Elite Mastercard® best-ever offer with an initial bonus of 60,000 miles and a companion certificate after first purchase and paying the card’s $99 annual fee within 90 days.

    american airlines boeing 787-9 business class seat

  7. UnitedSM Explorer Business Card has a best-ever offer to earn up to 100,000 bonus miles after qualifying purchases: 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open and another 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open. [Offer expired]

    The card’s annual fee is $95. You receive 2 United Club passes each year with card renewal, a free checked bag, and priority boarding. In addition, United cardholders along with elites get better award availability and access to redeem miles for last seat availability. Ongoing spend will earn 2 miles per dollar at restaurants, gas stations, office supply stores and on United purchases.

    united polaris seat

    This is the first 100,000 mile offer from a U.S. airline in five years. A few years ago I got excited when this card was being offered with just 50,000 miles. This is a great way to pick up 100,000 United miles. I find that United miles are the most flexible of any U.S. airline currency for business class awards to Europe and Asia, since United has the most partners through Star Alliance (and you can combine partners to get where you’re going).

  8. Capital One® Spark® Miles for Business will let you buy any flight without worrying about restricted award availability, or transfer its miles to a variety of airlines.

    Right now for a limited time you can earn up to 200,000 Capital One bonus miles: 50,000 when you spend $5,000 in the first 3 months and 150,000 more bonus miles when you spend $50,000 in the first 6 months of your account opening. On an ongoing basis you earn 2 miles per dollar on every purchase. The card has a $0 intro annual fee for the first year; $95 after that

  9. UnitedSM Explorer Card has a limited time offer to earn up to 65,000 Bonus Miles: 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open. [Offer expired]

    What’s great about this $0 the first year then $95 annual fee card is the travel benefits when flying United. You get first bag for free when you use your card to purchase your ticket. You get priority boarding (avoid having to gate check your carry on, and indeed on a Basic Economy fare you can still bring on a full-sized carry on bag). You’ll get 2 one-time United Club passes each year for your account anniversary as well.

    Cardmembers get access to last seat availability on extra miles awards as well as extra saver award availability that general members don’t have. Elites with the card can receive complimentary domestic upgrades on award tickets.

  10. Ink Business Unlimited(SM) Credit Card is included here because while its initial bonus is $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening, the value of the bonus shoots up if you have a Chase card whose points transfer to miles like Chase Sapphire Preferred.

    Transfer these points to that other Chase card and then those points transfer to miles. And it’s a no annual fee card that earns unlimited 1.5 points per dollar for ongoing spend.

  11. British Airways Visa Signature® Credit Card lets you earn 100,000 Avios: 50,000 Avios after $3,000 spent within the first three months and another 50,000 Avios after $20,000 spent in total purchases in the first year. It also gives you a promo code or 10% off British Airways tickets when you pay with the card.

    And spending $30,000 on the card in a calendar year gets you a companion award ticket for just the taxes and fees.

    Crucially the card has brand new improved earning for spend and offers a statement credit for taxes and fees when redeeming British Airways Avios for BA transatlantic flights originating in the U.S. You can get up to $600 a year rebated (3 credits a year up to $200 each).

    british airways first class seat

  12. The World Of Hyatt Credit Card is fantastic for anyone who likes Hyatt. It makes earning elite status easier, and spending is rewarding — for Hyatt stays, for bonus categories, and because of the additional free night after $15,000 in spend each cardmember year.

    The initial offer is to earn up to 50,000 Bonus Points – 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.

    You’ll receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort and earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.

    The card lets you get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year and also earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

    park hyatt sydney opera deluxe room
    Park Hyatt Sydney Opera Deluxe Room is akin to a Junior Suite

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

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. With the cards that have two tiers of spend required to get the max award would you lower their ranking if the card holder was only going to make the first level of spend?

  2. Does anyone know if you can get the sign up bonus on the Barclays aviator personal card if you currently have the no fee version?

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