16 Best Credit Card Bonus Offers [September 2021]

I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.


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.

    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. Chase Sapphire Preferred Card lets you earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. It’s the biggest public offer there has even been for this card.

    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. (The same applies to the rest of the Chase cards on this list, too.)

    singapore airlines champagne dom perignon 2006

  2. Citi Premier® Card is offering 80,000 ThankYou® points after you spend $4,000 in purchases within the first 3 months of account opening on this $95 annual fee card.

    Earning is 3 Points per $1 spent at Restaurants and Supermarkets, 3 Points per $1 spent at Gas Stations, Air Travel and Hotels; 1 Point per $1 spent on all other purchases. Points can be transferred to a variety of airline frequent flyer programs. And once per calendar year you can receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com (also new).

    This card’s Citibank ThankYou points transfer to:

    • Star Alliance: Singapore Airlines KrisFlyer, EVA Air Infinity MileageLands, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Avianca LifeMiles
    • SkyTeam: Air France-KLM
    • oneworld: Cathay Pacific Asia Miles, Malaysia Airlines Enrich, Qatar Airways Privilege Club, Qantas Frequent Flyer
    • Non-alliance: Etihad Airways Guest, Virgin Atlantic Flying Club, jetBlue, InterMiles (formerly JetPrivilege)

  3. Ink Business Preferred℠ Credit Card has a 100,000 point signup 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.

    singapore airlines a380 suites

  4. United QuestSM Card has launched with a temporary offer of up to 100,000 bonus miles: 80,000 miles after $5,000 in purchases in the first 3 months after account opening and an 20,000 additional miles after you spend $10,000 in the first 6 months.

    The initial 80,000 miles is a great offer on its own, but rounding up to the full 100,000 makes sense since $10,000 over 6 months is just $1667 per month so hardly insurmountable.

    The interesting piece that makes the card a keeper is a $125 credit on United purchases each account anniversary year and 5000 mile rebate on each of your first two United award redemptions each cardmember anniversary year, starting with your first anniversary (up to 10,000 miles total each year.


    United Polaris Business Class

  5. UnitedSM Business Card has an offer to earn up to 150,000 bonus miles: 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open and an additional 75,000 miles after you spend $20,000 total in the first 6 months.

    You’ll receive a $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year. If you’re a United flyer it has all the usual benefits and such, first checked bag free; priority boarding (which means being able to bring a full sized carry on bag on board even when traveling on a basic economy fare), and two United Club passes both at account opening and again on each cardmember anniversary. So you’re getting a couple of club passes even without that first year annual fee or waiting a year.

    They even encourage you to have both a business and personal United card because you’ll receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal United credit card.

  6. Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have increased their initial bonus offers by 50% and are now offering biggest-ever bonuses.

    • The Ink Business Unlimited® Credit Card has an initial bonus offer to earn $750 bonus cash back after you spend $7,500 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 $750 bonus cash back after you spend $7,500 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 75,000 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.

  7. The Platinum Card® from American Express has an offer to earn: 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of cardmembership. Plus, earn 10x points on eligible purchases on the card at restaurants worldwide and when you Shop Small – on up to $25,000 in combined purchases, during your first 6 months of Card Membership. That’s up to 225,000 additional points, which adds up to total initial bonus offer potential of 325,000 points.

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

    The first part of the offer is – itself – much larger than the public offer we’ve seen over the past couple of years. But the real boost comes from the ability to earn 10 points per dollar at restaurants worldwide and when you Shop Small – on up to $25,000 in combined purchases, during your first 6 months of cardmembership.

    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 the $200 annual Uber credit (usable with Uber Eats plus it now comes with Eats Pass, enrollment required); $200 annual airline fee credit (Southwest has been my airline of choice for this, enrollment required); $100 annual Saks credit (enrollment required); 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. Plus there’s a slate of new additional benefits.

  8. 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.

  9. Barclays AAdvantage® Aviator® World Elite Business Mastercard® has a biggest-ever 80,000 mile initial bonus offer, 50,000 miles after $1,000 in purchases within 90 days and 30,000 additional miles after $6,000 in purchases within 12 months.

    The card’s $95 annual fee isn’t waived the first year, however you can have both this card and the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® at the same time.

  10. British Airways Visa Signature® Card back with an initial bonus offer to earn 100,000 Avios – with much more reasonable requirements. You earn this bonus after you spend $5,000 on purchases within the first 3 months from account opening.

    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 earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.

    • Iberia Visa Signature® Card earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from 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. Of course like all Chase cards you generally will only be approved if you’ve had fewer than 5 new cards in the past 24 months (“5/24”).

  11. 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, Alitalia, Air France KLM, Delta
    • Non-alliance: Etihad, Emirates, Hawaiian, JetBlue, Aer Lingus, Virgin Atlantic
    • Hotels: Choice, Hilton, Marriott

  12. Southwest Rapid Rewards® Performance Business Credit Card: earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

    Cardmembers receive 9000 bonus points each year after cardmember anniversary; a statement credit for Global Entry or TSA PreCheck fees every four years; reimbursement for four upgraded boardings per year (A1 – A15 boarding purchased at the airport); plus inflight wifi credits. That’s a package that makes the card’s $199 annual fee well worth it.

    The Southwest Rapid Rewards® Performance Business Credit Card is the card I used to earn my current Companion Pass. All Rapid Rewards accounts that were open December 31, 2020 receive 25,000 Companion Pass qualifying points and 25 Companion Pass qualifying flights this year. With the Companion Pass you can bring a second person along with you on your travels. You need to earn 125,000 eligible points in 2021 for a pass that will be valid through the end of 2022. And Southwest credit card initial bonuses and points-earning from spend on those cards count towards companion pass.

    So earning the bonus on this card gets you at least 85,000 of the 100,000 points you’ll need this year (provided you had an account open December 31, 2020).

  13. Chase Sapphire Reserve® offers an initial bonus to earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This is the first time the offer has gone about 50,000 points since the card was first introduced.

    Ongoing spend will earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

    The card’s $550 annual fee can make sense with the card’s $300 annual travel credit providing reimbursement for travel purchases charged to the card each account anniversary year. You also receive up to a $100 application fee credit for Global Entry or TSA Pre✓® and one year complimentary DashPass subscription from DoorDash after activating by 12/31/21.

    You can take your points and transfer them to a variety of airlines and hotel programs (same partners as Sapphire Preferred and Ink Business Unlimited), or use your points at 1.5 cents apiece towards travel through the Ultimate Rewards portal.

  14. 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.

  15. Capital One Venture Rewards Credit Card Capital One is offering 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. You’ll unlimited 2X miles on every purchase, every day (Redeem on travel-from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs) This $95 annual fee card also comes with up to a $100 application fee credit for Global Entry or TSA Pre✓®.

  16. IHG® Rewards Club Premier Credit Card lets you earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening. They’ve used 140,000 as their most elevated points offer in the past. ith a $0 intro annual fee the first year ($89 thereafter) it’s a can’t-pass-up.

    You’ll receive a reward night after each account anniversary year at eligible IHG hotels worldwide. One of the best features is that cardholders receive a reward night each time they redeem points for any stay of 4 or more nights. So that’s better than the ‘5th night free’ from Hilton, and amounts to a 25% discount on four night award stays.

    Cardmembers receive platinum status for as long as they remain a cardmember. There’s a Global Entry or TSA Precheck fee credit (up to $100 every 4 years) as well.

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 Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here

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 advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. So, if I apply for and get the three AA cards you recommend, is there a guarantee that AA wont close my account? I think aa’s recent actions show that they will close accounts if people do this sort of thing. Don’t think its a good idea for you to recommend three aa cards.
    AA has proven that they can and will do whatever the eff they want.

  2. Gary, this is a very comprehensive list of credit cards with great bonus! I am currently shopping for one as I will be travelling a lot in the near future. This list has made my search a lot easier. Thanks.
    -Joel

  3. Can you get the aadvantage personal and get the bonus of you have the business version for less then a year

  4. Alaska cards have EQM earning for the next few months added along with double miles for restaurants. 40k bonus. Statement credit and companion ticket.

  5. I feel like I can get the most straight forward, reliable, and comprehensive information from your blog so it is my “go-to”. Thank you and please continue to your updates.

  6. Repeating Boraxo’s point. Chase business approvals have gotten VERY difficult. Will need significant revenue (probably $20K+) and business history to get approved, and sole proprietorships are almost sure to get denied.

  7. Is united even worth it anymore in terms of their point redemptions? Seems like a lot of money to shell out for a united card especially in a time like this and for the foreseeable future where lounge access is unlikely to be anything special. The point redemption game seems like a poor investment right now given the times we are living. Like realistically how good is a first class experience going to be in the current environment assuming other countries would even let us in.

  8. “…a bigger initial bonus offer than Sapphire Reserve (and you can’t get bonuses for both)”

    @Gary, are you saying a cardholder who has had a Sapphire Reserve or Preferred for 3-4 years can’t cancel it and then apply for the other [Sapphire] card and get the 50K or 60K point bonus for that (other) card?

  9. Can I sign up for the Chase Preferred and get the bonus if I got a bonus for an Ink card within the past two years?

  10. Might consider a look at the Sonesta card (BoA) since Sonesta is taking over a bunch of Marriot and IHG properties in December-January.

    EARN UP TO 95,000 BONUS POINTS
    Enough for up to 6 free nights:
    60,000 bonus points after spending at least $1,000 on purchases within the first 90 days of account opening
    5,000 additional points after adding an authorized user within the first 90 days of account opening
    30,000 bonus points on your Account Anniversary, if you spend at least $7,500 in purchases every year

    Best I figure, 90,000 Sonesta points is worth about $700.

  11. @ AlohaDaveKennedy – I did this last yr for 2 nights at Sonesta’s top property, AI Ocean Point Resort in St Maarten. Had to cancel due to Covid but was otherwise a solid $1,500 point redemption, more with a probable upgrade with top status the cc also provides.

  12. Exclusion of the JetBlue business card is points guy esque points advising malpractice. You’ve failed your fiduciary duty lol

  13. Great list BUT the good Hyatt 50K offer and link you include are inactive. Was replaced about two weeks ago with a far inferior offer: 30K for $3K initial spending then 2x per dollar spent up to additional $15K. So to get what’s advertised as a 60K point bonus you have to spend $18K.

  14. It’s deceptive to call the current Hyatt bonus a 60k bonus. It’s actually a 45k bonus, and the spend for the last third is excessive.

  15. @Esquiar. Good point, but isn’t the deal even worse than you portray it? At best, 30K bonus points for first $3K spending, plus an additional 3K bonus if all the spending is in otherwise unbonused categories. After that, it’s spending that could much more productively generate other kinds of points or miles.

  16. Come on Gary, that hyatt offer sucks more than a vietnamese hooker with a $300 Dyson vacuum. You’ve been around for a while I’d expect more from you than TheShillGuy and ISellMySoulOneBrexAccountAAT. It’s 5k less points for $9000 more spend. 50k points for 6k spend vs 45k points(NOT 60K as you get 1pt anyway) for 15k spend.

  17. @enthusiast or ??..how hard is it to get US Bank cards? Credit score 800+, 150k + income, 8/12, 14/24. Need a new bonus but 5/24 and lifetime language has me shut down

  18. Nothing really new here – the same old cards with the same old bonuses (a few enhanced).

    However I was not aware that Barclays issued a B6 Business card. Is it easy to qualify (like Amex and Citi) or impossible like Chase.

  19. I applied for the Barclays cars last year and got denied for “too much recent credit activity”. Applied for Citi a few days later and got an instant approval.

  20. So, if I apply for and get the three AA cards you recommend, is there a guarantee that AA wont close my account? I think aa’s recent actions show that they will close accounts if people do this sort of thing. Don’t think its a good idea for you to recommend three aa cards.
    AA has proven that they can and will do whatever the eff they want.

  21. The United Quest Card $125 reimbursement for United charges – does this only kick in AFTER the first anniversary year, or the reimbursement is paid AT the anniversary year?

  22. I’d warn people away from Chase business cards – unless you truly are in business & can prove it. I tried for the United card but just got asked for multiple business documents like articles of incorporation, IRS tax statements & letters, etc.. I’ve had an Ink card for several years & use it (and my 7 Chase personal cards, and my Chase business checking & savings accounts) on a regular basis mainly for generic spending. Was selling on Amazon for a couple of years until recently when Amazon started making things much harder for small sellers. I did not put the time & $ to truly start a business; it was more of a side hustle with not much profit, mainly for manufactured spending with the Ink card. My credit scores are excellent & I pay off my balances every month. So I’ll be focusing (with Chase) on personal cards, & thinking about some new ways to keep my head in the game.

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