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. Half of the offers on this list are new. 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 really 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.
Here are the cards I consider to be the biggest credit card offers with rich bonuses right now:
- 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 ends November 8. [Offer expired]
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. (The same applies to the rest of the Chase cards on this list, too.)
- 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.
- Capital One Venture Rewards Credit Card. Capital One is offering 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months. You’ll earn unlimited 2X miles on every purchase, every day that can be redeemed or transferred to 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✓®.
- UnitedSM Business Card has a limited time offer to earn 75,000 bonus miles after $5000 in purchases within the first 3 months as a cardmember, plus $0 intro annual fee the first year (then $99). [Offer expired]
That’s an amazing deal without paying a first year annual fee. You get first checked bag free, priority boarding, and two United Club passes both at account opening and again on each cardmember anniversary. And you receive 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.
- Marriott Bonvoy Business™ American Express® Card gives you Marriott Bonvoy Platinum status for one year (February 1, 2021 – January 30, 2022) and in addition you can earn 100,000 Marriott Bonvoy points after you use your new card to make $5,000 in purchases within your first 3 months of cardmembership and also earn up to $150 in statement credits within your first 6 months of cardmembership for all eligible purchases on your card on U.S. Advertising in select media. This offer ends January 13, 2021.
The card’s $125 annual fee (see rates and fees) strikes me as a no-brainer, I have this card since cardmembers receive a Free Night Award every year after account anniversary as well as an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Each of those can be used for one night whose redemption cost is 35,000 points or less. It also comes with 15 elite nights per year, so going forward they help you earn status and also lifetime elite status and the elite nights from a personal and a small business card now stack.
- American Express® Gold Card is my go-to for 4 membership Rewards points per dollar on restaurants worldwide 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. 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 launched 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
- Star Alliance: Aeroplan, ANA, Singapore, Avianca
- JetBlue Plus Card for the first time has a 100,000 point initial bonus: 50,000 points after $1,000 spend and paying the annual fee within 90 days and 50,000 additional points after $6000 total spend within 12 months.
This $99 annual fee card lets you earn Mosaic elite status after $50,000 in spend each calendar year and gives you a 10% rebate when spending points (and if you use family pooling, you can leverage this benefit spending points from all those accounts).
- 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.
- Citi Premier® Card is offering 60,000 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 3x points on purchases at restaurants, supermarkets, gas stations, airlines and hotels, and points can be transferred to a variety of airline frequent flyer programs. The restaurant and supermarket categories are new this year. 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).
- 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.
- 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.
- Ink Business Unlimited℠ Credit Card and Ink Business CashSM Credit Card both have no annual fee and offer $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. You can have both Ink cards at the same time. [Offers expired]
Ink Business Unlimited℠ Credit Card earns 1.5 points per dollar on each purchase. Ink Business CashSM Credit Card lets you 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.
The points from both of these cards can be transferred to an Ink Business Preferred, Sapphire Preferred or Sapphire Reserve account – increasing the value and allowing you to transfer to airline or hotel programs too.
- IHG® Rewards Club Premier Credit Card has an 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.
- 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 is akin to a Junior Suite
Think there’s a card that belongs on this list but isn’t here, leave a comment!
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Earn 65,000 AAdvantage miles.