16 Biggest Credit Card Offers Right Now [February 2020]

I receive compensation for content and many links on this blog. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. 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’s an embarrassment of riches, with all new best-ever and limited-time bonuses that have come out over the last several weeks (one ends in a matter of days).

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. The (3) Southwest Airlines personal cards are all offering 75,000 point initial bonus offers. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open. These offers end Monday, February 10. [Offers expired]

    • Southwest Rapid Rewards® Plus Credit Card ($69 annual fee)
    • Southwest Rapid Rewards® Premier Credit Card ($99 annual fee)
    • Southwest Rapid Rewards® Priority Credit Card ($149 annual fee)

    The Southwest Rapid Rewards® Plus Credit Card is best if your primary motivation is the bonus. The Southwest Rapid Rewards® Priority Credit Card is best if you fly Southwest regularly – for a $75 travel credit with the airline each year; 20% back on in-flight drinks, WiFi, messaging, and movies; and four 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).

  4. 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. [Offer expired]

    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

  5. UnitedSM Business Card is an all new product with limited-time offer: 100,000 bonus miles after qualifying purchases. That’s 100,000 bonus miles after $10,000 in purchases in the first three months from account opening.

    You get first checked bag free, priority boarding, and two United Club passes both at account opening and again on each cardmember anniversary.

    This $99 annual fee card will give you a $100 annual United travel credit after seven United flight purchases of $100 or more. In addition they encourage you to have both a business and personal United card because this card offers 5,000 bonus miles each anniversary when you have this new United Business Card and a personal United card.

    united polaris seat

  6. CitiBusiness® / AAdvantage® Platinum Select® World 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). 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 Last Year With My Wife and Daughter

  7. 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.

  8. 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

  9. Chase Sapphire Reserve® offers an initial bonus to earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

    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 Lyft Pink membership ($199 value) plus a 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.

  10. UnitedSM Explorer Card has a limited time offer to earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

    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.

  11. 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.

  12. Delta SkyMiles® Platinum American Express Card has a limited time offer that expires April 1, 2020 to earn up to 100,000 bonus miles: Earn 80,000 bonus miles after you spend $3,000 in purchases on your new card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of cardmembership.

    Spending on this card can help earn Delta elite status. It’s called Status Boost(TM) and you earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. (MQMs are used to determine Medallion Status and are different than miles you earn toward flights.)

    Ongoing earn is 3X Miles on Delta purchases and purchases made directly with hotels; 2X Miles at restaurants and at U.S. supermarkets; 1X Mile on all other eligible purchases.

    Benefits include your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights and a fee credit for Global Entry or TSA Pre✓®. Cardmembers can pay for Delta Sky Club® access on a per visit basis at $39 per person for you and up to two guests when traveling on a Delta flight, and receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

    This is a $250 annual fee card. (See Rates & Fees) The $550 annual fee Delta SkyMiles® Reserve American Express Card (See Rates & Fees) also has a big offer through April 1, 2020: earn up to 100,000 bonus miles and 20,000 Medallion Qualification Miles. Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership.

    That’s the card that comes with complimentary access into the Delta SkyClubs for you when traveling on a Delta flight, and now also lets you enjoy complimentary access to Centurion Lounges when you book your Delta flight with your Reserve Card.


    Delta Sky Club Austin

  13. 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

  14. IHG® Rewards Club Premier Credit Card has a best-ever offer for you to earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

    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.

  15. 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

  16. Marriott Bonvoy BoundlessTM Credit Card currently a limited-time offer to earn 100,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening.

    Cardmembers receive a Free Night Award (which can be used at properties that require up to 35,000 points for the night) every year after account anniversary as well as silver elite status in the Marriott program and Gold status after $35,000 in purchases each account year, and 15 Elite Night Credits each calendar year that can be used towards higher tier levels. Get the card for the bonus, keep it for the annual free night and night credits towards elite status.


    St. Regis Abu Dhabi

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

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.

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.

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