12 Best Credit Card Bonus Offers Right Now [September 2020]

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. Even if you aren’t planning travel now, it’s the perfect time to start earning a stash of miles.

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 seem to be on the upswing again.

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 80,000 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

  2. 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

  3. United ClubSM Infinite Card has an offer to earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

    That’s the biggest offer they’ve ever made. And while the previous offer made the card available with a $0 annual fee the first year, there was actually no initial miles bonus. This is a huge improvement for the $525 annual fee product.

    The card comes with United Club membership, which normally costs $650 per year for a general member. Additional benefits with this Visa Infinite product include up to $100 Global Entry or TSA PrecheckTM fee credit and 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card. You receive free first and second checked bags (a savings of up to $320 per roundtrip).

    Getting the card is worth it for the miles offer alone. Keeping the card is worth it if you value United Club access.

  4. There are big offers for Southwest personal cards and don’t forget that earning large numbers of Southwest points this year makes earning a Companion Pass easier than it did last year. It takes just 100,000 points from eligible sources like credit cards and flying to earn a companion pass valid through the end of 2021. [Offers expired]

    southwest airlines boeing 737

  5. 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.

  6. 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.

  7. UnitedSM Explorer Card has an 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 extra award availability at lower mileage prices that general members don’t have. Elites with the card can receive complimentary domestic upgrades on award tickets.

    The card is worth getting for the miles offer at $0 the first year annual fee then $95, and worth keeping if you fly United occasionally but not enough to earn status or if you value upgrades on domestic award tickets and a little help earning status. Improved award availability for cardmembers is my favorite benefit.

  8. AAdvantage® Aviator® Red World Elite Mastercard® has an initial bonus of 60,000 miles after first purchase and paying the card’s $99 annual fee within 90 days.

    american airlines boeing 787-9 business class seat

  9. 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 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).

    Now, active Avios accounts with different airlines are combinable, so it’s worth highlighting that Chase also issues cards for Iberia and Aer Lingus, which are owned by the same company as British Airways – and these cards also have current 100,000 Avios offers.

    • Iberia Visa Signature® Card Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

    • Aer Lingus Visa Signature® Card Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

    british airways first class seat

  10. Marriott Bonvoy BoundlessTM Credit Card offers 100,000 points after $3000 spend on purchases in the first 3 months of cardmembership. I’ve seen them offer 100,000 points before with a $5000 spend requirement, this lower requirement is great.

    It also comes with an annual free night after each account anniversary valued for hotels which cost up to 35,000 points. You receive 15 elite nights towards status each year you have the card as well.

    W Doha

  11. 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. Plus if you’re approved for the card this month you get extra credit towards elite status.

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

  12. IHG® Rewards Club Premier Credit Card has an offer for you to earn 125,000 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.

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 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.


  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.

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

  4. The United Club Infinite card seems interesting. I have the older United Club card from Chase, and the conditions on the United site indicate that I can’t apply for the Infinite card because I have the older one. In addition the older Club card is no longer an option. I wonder if United or Chase are going to reach out to me and offer a transfer to the newer card (probably not with the spend bonus, but with the other features).

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

  6. Any post touting Chase business cards should advise that Chase has significantly tightened the approval process since April. Your readers may not want to waste a hard pull and an app if their businesses don’t have a track record.

  7. 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.

  8. 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.

  9. 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.

  10. Has this site been purchased by TPG? I mean, I don’t read anything from there to avoid the “Chase -ramming” but come here to find the exact same! But seriously, this this site been sold to them or are you considering buyers?

  11. “…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?

  12. 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?

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