The Best Current Credit Card Bonus Offers [November 2022]

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. Citi Premier® Card has a limited time offer to earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

    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)
    • Hotels: Choice Privileges, Wyndham Rewards

  2. UnitedSM Business Card has an offer to earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open. No other airline credit card has offered a 150,000 mile initial bonus before.

    The card offers a $100 United travel credit after 7 United flight purchases of $100 or more each anniversary 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 United Business Card and a personal Chase United credit card.

  3. Aeroplan® Credit Card has an initial bonus to earn 70,000 points after you spend $3,000 on purchases in the first 3 months.

    The card comes with elite status through December 2023 ($15k annual spend keeps it) and $50,000 spend in a year bumps you up a level from whatever you earn for the next calendar year.

    They’re introducing Pay Yourself Back with the card starting this year allowing members to apply points towards travel expenses charged to the card at 1.25 cents apiece in value up to 50,000 points per calendar year.

  4. Ink Business Preferred® Credit Card has a 100,000 point initial 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.

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

    • The Ink Business Unlimited® Credit Card has an initial bonus offer to earn $$900 bonus cash back after you spend $6,000 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 $900 bonus cash back after you spend $6,000 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 90,000 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.

  6. Capital One Venture X Rewards Credit Card has an offer to earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    The card earns unlimited 2X miles on purchases – and 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.

    You’ll receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options. And you’ll get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. With this card you can access the Capital One Lounge as well as Priority Pass lounges.

  7. Capital One Venture Rewards Credit Card Capital One is offering a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. You’ll unlimited 2X miles on every purchase, every day (Transfer your miles to your choice of 15+ travel loyalty programs.) This $95 annual fee card also comes with up to a $100 application fee credit for Global Entry or TSA PreCheck®.

  8. Chase Sapphire Reserve® offers 80,000 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 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.

  9. The Platinum Card® from American Express has an offer to earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. [Offer expired]

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

    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 up to a $200 annual Uber credit; up to $200 annual airline fee credit (Southwest has been my airline of choice for this, enrollment required); up to $100 annual Saks credit (enrollment required, up to $50 semi-annually); 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.

  10. 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. And each eligible mile earned from purchases also earns a Loyalty Point towards elite status.

  11. 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.

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

    In fact since it seems easier to get approved for than Reserve, 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.)

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  12. Marriott Bonvoy Brilliant® American Express® Card has come out with new benefits, now even including Platinum status in the Bonvoy program and 25 elite night credits each year. You can earn 150,000 bonus Marriott Bonvoy points after they spend $5,000 in eligible purchases on the Card in the first three months. The offer is available through January 11, 2023 (see rates and fees).

    The card comes with one Free Night Award each year after card renewal month that can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. This is up from a 50,000 point free night certificate previously. And you receive up to $300 per calendar year (up to $25 back per month) for dining purchases at restaurants worldwide and up to a $100 property credit for qualifying charges at Ritz-Carlton or St. Regis properties (requires booking direct with applicable rate for a 2+ night stay, and is based on the member rate).

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

  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. British Airways Visa Signature® Card has an initial bonus offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

    Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years (which can now be used for 50% off a solo traveler’s Avios required for an award if you prefer that over 100% off of a companion). Cardholders receive a 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.

    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 has an offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

    • Iberia Visa Signature® Card has an offer to earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of 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.

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 American Express® Business Gold Card, click here
For rates and fees of the Marriott Bonvoy Brilliant® 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 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. Applied for the Citi Premium card and was denied for having to much unused credit. A month later they send an email encouraging me to raise my credit limit on a Citi Platinum card.

  2. Barclay’s Aviator Business – 80k miles after $2k spend plus statement credit to offset annual fee.

  3. Thanks- but please note that this sentence can be confusing: “or more, if you top off with up to 15,000 additional points per night from your account”

    The terms of the welcome offer state “Your e-certificate may not be combined with cash or other Marriott Bonvoy points when redeeming for your free night, and may not be transferred, extended beyond expiration date, or re-credited for points.”

    I suppose the “Stay for 5, Pay for 4” also does not count here. So when searching award availability for 5 nights somewhere and the system says 240.000 points / stay this would *not* be bookable with the credits because this means the nights cost 60.000 points each.

  4. How do credit union travel rewards cards compare to the bank issued travel rewards cards? No annual fee with the credit union rewards cards and they can be used to purchase cruises too. Do the big bank cards offer cruises with their annual fee?

  5. I don’t see the Alaska business 70k offer on here, that seems to be one of the better offers at the moment.

  6. I applied for the Citi Premier card and was denied; never been denied a credit card so that was a first! My credit score is 835. The reason: I have too much credit that isn’t used. I guess that’s because I have 5 credit cards and only use a few of them. Never heard of such a thing.

  7. Got 100K with Venture X and 80K with Citi.
    Problem is that Airlines continue to devalue and water down points.
    It truly is just a game to the greedy executives at the major airlines.

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