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Best SignUp Bonus Credit Cards of 2017

Jennifer Blocker
Updated on: 08/09/2017

There is no time like the present to be in the points and miles game as sign-up bonuses have been topping the charts lately. There have been some as high as 100,000 points. Recently, American Express and Chase have both offered sign-up bonuses like that. These offers can go fast and sometimes be fleeting, so if you come across one, jump on it. Many banks are starting to institute policies which will limit bonuses or make them more difficult to get. If you have good credit, you should ride the wave before they waive the bonuses.

Top Rated SignUp Bonus Credit Cards

Although it is possible to get bonus offers at almost any credit level, the best credit card sign-up bonuses will only be afforded to those with the best credit. Banks are competing for your business, and if you have excellent or good credit you can easily rake in some quick cash or book a luxury vacation with nothing more than a couple of sign-up bonuses. One sign-up bonus alone can easily get you a round-trip flight or several nights at a hotel.

Venture® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
Annual Fee
$0 first year, then $59
Venture® Rewards
Rating
95
  • 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards you can earn

Travel Benefits

Premium Hotel Benefits:

Enjoy perks, such as room upgrades and free breakfast, at over 900 Visa Signature Luxury Hotel Collection properties.

No Foreign Transaction Fee:

You’ll never have to pay additional fees to use your card while traveling abroad.

Complimentary Concierge Services:

24/7 assistance for dinner reservations, booking travel and special access to sporting and entertainment events.

Why should you get this card?

  • A Generous Sign-up Bonus: The 50,000-mile sign up bonus can be redeemed for $500 worth of travel.
  • Earnings Add up Quickly: Every dollar you spend earns 2 miles, not 1.5 or 1 like other cards. There are no categories or promotions to keep track of.
  • It’s Easy to Redeem Miles: Find the best travel deal, pay with your Venture Rewards card and redeem your miles for a statement credit to erase your purchase. Or just redeem your miles online from the Capital One Rewards Center.

Our Expert's Conclusion

With a sign-up bonus of 50,000 miles and the ongoing earning power of two miles for every dollar spent, there’s a good case for owning the Venture card. The $59 annual fee is waived the first year and you’ll have $460 to spend on travel once you’ve made the required $3,000 in purchases within the first three months. That makes this card a solid contender for your everyday spending. However, if you’re not going to be able to spend a minimum of $3,000 a year on the card, you would be better off selecting a card that has no annual fee.

  • Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn unlimited 2X miles—that's 2 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your Venture® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • $0 intro for the first year; $59 after that.
  • Once you make a travel purchase with Venture, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
Citi Prestige® Card
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xPoints on Airfare and Hotels
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
Annual Fee
$450
ThankYou®
Rating
92
  • 40,000 bonus points after making $4,000 in purchases within the first 3 months.
    • $100 Global Entry application fee credit.
    • Complimentary 4th night stay.
  • No Foreign Transaction Fee
  • $250 Air Travel Credit

Travel Benefits

$250 Airline Credit:

Get up to $250 worth of statement credits annually toward airfare, upgrades, incidental fees and more.

Complimentary Lounge Access:

A free Priority Pass Select membership gives you access about 1,000 airport lounges around the world.

Global Entry:

Get a $100 application credit every five years. Includes TSA PreCheck.

Why should you get this card?

  • Sign-Up Bonus: The 40,000-point sign-up bonus is worth at least $532 when redeemed for airfare through the ThankYou Travel Center, and potentially even more when transferred to travel partners. The value of the bonus is enough to wipe out the first year’s annual fee.
  • 4th Night Free: Each time you use the Citi Prestige Concierge service to book a stay that is four nights or longer, you get one night free. The more often you stay, the more money you save.
  • $250 Air Travel Credit: The air travel credit is easy to use and helps offset the annual fee substantially. Every time you pay for flights, upgrades, taxes on award tickets, checked baggage, seat assignments, and in-flight meals and entertainment, the statement credit applies automatically.
  • Great Earning Potential: You’ll get bonus points on airfare, hotels, dining and entertainment—all the categories in which frequent travelers spend the most money. The points add up for another redemption in no time!

Our Expert's Conclusion

If you’re looking for a premium travel rewards card that offers a decent sign-up bonus, flexible rewards and the ability to transfer to travel partners, then Citi Prestige makes for a good option.

Although the card’s annual fee of $450 is not waived for the first year, you can enjoy all the benefits, such as free lounge access and concierge service, essentially for free because the value of card’s 40,000-point bonus more than offsets the cost. In fact, you’ll easily be making money once you factor in the annual $250 air travel credit, the 4th Night Free benefit and the Global Entry enrollment fee credit.

  • Earn 40,000 bonus points after making $4,000 in purchases within the first 3 months of account opening.
  • With Citi Prestige®, you'll earn 3x points on Air Travel and Hotels, 2x points on Dining at Restaurants and Entertainment and 1 ThankYou® Point per $1 spent on other purchases.
  • Your points are worth 33% more on flights compared to non-air travel when booked through the Citi ThankYou® Travel Center.
  • With no points cap and no expiration of points, there's no limit to the points you can earn.
  • Transfer points to participating travel loyalty programs such as Virgin Atlantic, Singapore Airlines KrisFlyer, and Flying Blue.
  • No Foreign Transaction Fees on Purchases.
  • Each year a $250 Air Travel Credit will automatically be applied to flight-related expenses charged to your card, including airline tickets, baggage fees, upgrades and more.
  • Extend your trip with a complimentary 4th night stay at any hotel of your choice after a minimum 4–consecutive night booking through the Citi Prestige® Concierge. For reservations made on or after July 23, 2017, the benefit will be calculated as the average nightly rate of your total stay, not including taxes.
  • Receive a $100 Global Entry application fee credit. Once approved for Global Entry by the U.S. Government, you can bypass long lines and enjoy expedited entry into the U.S.
Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on American Airlines Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
Annual Fee
$0 first year, then $95
AAdvantage®
Rating
80
  • 30,000 bonus miles after making $1,000 in purchases within the first 3 months
    • 10% of your redeemed AAdvantage® miles back
  • No Foreign Transaction Fee
  • %25% savings on purchases on American Airlines flights

Travel Benefits

In-Flight Savings:

Receive a 25 percent discount on eligible in-flight food and beverage purchases when you use your AAdvantage credit card on American Airlines flights.

Priority Boarding:

Get on board American Airlines flights early and claim that overhead bin space before it fills up.

Free Checked Bag:

First checked bag is free on domestic American Airlines itineraries for you and up to four companions.

Why should you get this card?

  • Good Sign-Up Bonus: The standard 30,000 -mile sign-up bonus is worth at least $450 in flights and can easily get you a domestic round-trip ticket.
  • Free Checked Bag: You and up to 5 people on your itinerary get a free checked bag. That’ll save you $50 per person per bag for a round-trip flight.
  • 10% Miles Refund: Get 10 percent of your miles back after redeeming them for flights. That’s basically a discount on every booking.

Our Expert's Conclusion

If you fly American Airlines, the AA credit card can be a great value for the money. The sign-up bonus in conjunction with the waived annual fee for the first year makes it a risk-free proposition. And 30,000 AAdvantage miles can take you on a round-trip journey to any destination in the U.S., Canada, Mexico, the Caribbean or Central America.

Then there are the perks and benefits you’ll enjoy at no additional cost, such as free checked bags, a 10 percent mile refund and reduced mileage awards. Even double miles for American Airlines purchases is a worthy benefit, considering how hard it is to earn AAdvantage miles since the cheapest seats now earn only half the standard miles.

  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases.
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases.
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year.
  • Fly to great destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage® miles! So you'll save your AAdvantage® miles for another trip. Visit aa.com/reducedmileageawards for more information.
  • No Foreign Transaction Fees on purchases.
  • Annual Fee: $95 (Fee waived for the first 12 months).
  • First checked bag is free.
  • Enjoy Group 1 Boarding on American Airlines domestic flights.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card on American Airlines flights.
Citi ThankYou® Premier Card
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xPoints on Travel, Gas, Airfare, Hotels, Cruises, Car rental and Railways
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Groceries
  • 1xPoints on All Other Purchases
Annual Fee
$0 first year, then $95
ThankYou®
Rating
93
  • 30,000 points after you spend $3,000 in the first 3 months
    • 25% more points when redeemed through the ThankYou® Travel Center
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fees:

Never pay an extra fee to use this card outside the U.S.

Concierge Service:

Citi Concierge provides help with travel, shopping and dining.

Why should you get this card?

  • Sign-Up Bonus: Earn 30,000 Citi ThankYou points worth at least $459 in travel, all without paying an annual fee for the first year.
  • Great Earning Potental: Generous double and triple point-earning categories, including all travel and gas purchases.
  • Discount on ThankYou Travel Purchases: Get a 25 percent rebate when redeeming for travel through the ThankYou Rewards travel portal.
  • Flexible Redemption Options:You’ll always find a use for your points with 12 airline transfer partners.

Our Expert's Conclusion

You can get excellent value out of ThankYou points, particularly if you transfer them to airlines and redeem for expensive premium cabin tickets. If you are a traveler that often books the cheapest economy class ticket, then there can also be strong value in redeeming points through the ThankYou program’s travel portal thanks to the 25 percent discount offered by this card.

If you are interested in domestic award travel or simple award redemptions, this card may prove to be too complex. Instead, consider cards with more domestic transfer partners. You may not get quite the same value for your points, but there will be more availability and easier redemptions.

  • Earn 30,000 bonus points after making $3,000 in purchases within the first 3 months of account opening.
  • 3 ThankYou Points per $1 spent on travel including gas, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.
  • 2 ThankYou Points per $1 spent on dining out and entertainment.
  • 1 ThankYou Points on other purchases.
  • ThankYou® Points are worth 25% more when redeemed for airfare through the ThankYou® Travel Center, as compared to gift cards redeemed from the ThankYou® Rewards collection.
  • No foreign transaction fees on purchases.
  • Annual Fee $95(Fee waived for the first 12 months).
  • No expiration and no limit on the number of points you can earn.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
JetBlue® Plus MasterCard®
How to Apply

To apply for this offer please contact
Barclaycard

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 6xPoints on JetBlue Purchases
  • 2xPoints on Dining and Groceries
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
Annual Fee
$99
TrueBlue
Rating
81
  • 30,000 bonus points after you spend $1,000 in the first 90 days
    • 5,000 bonus points annually after your account anniversary
    • 10% of your points back every time you redeem
  • No Foreign Transaction Fee
  • %50% in-flight savings

Travel Benefits

Get 10% of Your Points Back:

10 percent of the points you redeem will be returned to you. There is no cap on number of points you can earn using this benefit.

In-Flight Savings:

Get 50 percent off eligible in-flight purchases, including cocktails, beer, wine, meals and JetBlue movies.

No Foreign Transaction Fee:

You’ll never pay a fee for using your JetBlue card, no matter where you’re traveling.

Why should you get this card?

  • Great Earning Potential: This card has three bonus-earning categories: 6x on JetBlue purchases, 2x at restaurants, and 2x at grocery stores.
  • Free Checked Bag: The primary card member and up to three travel companions on the same reservation get a free checked bag. This can result in up to $200 of savings on a round-trip flight.
  • Big Sign-Up Bonus: This card comes with a 30,000 -point sign-up bonus that’s worth approximately $504 in airfare
  • Ability to Earn Elite Status: You can earn Mosaic status when you spend $50,000 in a calendar year. Status gets you more free checked bags, free alcoholic beverages and priority benefits

Our Expert's Conclusion

The JetBlue Plus card is great for frequent JetBlue travelers. The annual anniversary bonus makes this card relatively cheap to have. For anyone that flies at least 2 to 3 times a year on JetBlue, the free checked bag benefit alone can pay for the card.

More than that, this card has significantly better earning power than most co-branded airline cards. With 2x points at both restaurants and grocery stores, plus an impressive 6x points for JetBlue purchases, there are a ton of opportunities to rack up the points and earn your next free flight quickly.

  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • 6X points on JetBlue purchases.
  • 2X points at restaurants and grocery stores.
  • 1X points on all other purchases.
  • Earn 5,000 Bonus points annually after your account anniversary.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • Free first checked bag.
  • No Blackout dates on JetBlue-operated flights.
  • Redeem for any seat any time on JetBlue-operated flights.
  • Points awarded into your TrueBlue account don't expire.
  • Earn and share points together with family pooling.
Barclaycard Arrival Plus™ World Elite MasterCard®
How to Apply

To apply for this offer please contact
Barclaycard

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
Annual Fee
$0 first year, then $89
Barclaycard Arrival Rewards
Rating
93
  • 40,000 bonus miles after you spend $3,000 in the first 90 days
    • 5% miles back to use toward your next redemption, everytime you redeem
  • No Foreign Transaction Fee

Travel Benefits

24/7 Concierge:

You have access to a complimentary concierge any time of day. This service works like a personal assistant to help with reservations, hard-to-find items, and more.

No foreign transaction fee:

You can earn miles outside the U.S. without worrying about extra fees.

Why should you get this card?

  • Valuable Sign-Up Bonus: This card comes with a sign-up bonus worth $400 toward any travel purchase.
  • Excellent Everyday Earning: You’ll get 2 miles for each dollar you spend. That will add up fast.
  • Easy to Redeem: Your miles aren’t tied to a loyalty program. Just buy the flight you want and redeem miles toward that purchase. There are no blackout dates or limited award space.

Our Expert's Conclusion

The short answer is absolutely. Depending on your travel and spending habits, this card may or not make sense for you after the first year when you start paying the annual fee, but earning 40,000 miles after meeting the minimum spend and earning 2X miles on all purchases are tremendous benefits. Not only that, but if this becomes your go-to card, miles will rack up fast, and with the 5 percent redemption bonus, that’s like earning 2.1 percent back on every purchase, every day. This card is just as good as any other cashback card currently on the market.

  • 40,000 bonus miles after spending $3,000 on purchase in the first 90 days.
  • Earn 2X miles on all purchases.
  • Get 5% miles back to use toward your next redemption, every time you redeem.
  • Miles don't expire as long as your account is open, active and in good standing.
  • No foreign transaction fees on anything you buy while in another country.
  • Redeem your miles for travel statement credits starting at 10,000 miles for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days.
  • 0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • $89 annual fee waived for the first year.
Citi® / AAdvantage® Executive World Elite™ MasterCard®
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on American Airlines Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
Annual Fee
$450
AAdvantage®
Rating
81
  • 75,000 bonus miles after you spend $7,500 in the first 3 months
    • 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fee
  • %25% savings on purchases on American Airlines flights

Travel Benefits

Admirals Club Membership:

Lounge membership includes access for the cardholder and their immediate family or two guests. Authorized users, which can be added at no cost, also get full lounge access.

In-Flight Savings:

Receive a 25 percent discount in the form of a credit statement on in-flight food and beverage purchases on American Airlines flights.

Reduced Mileage Awards:

Save between 2,000 and 7,500 AAdvantage miles when booking one-way and round-trip flights on select routes.

Why should you get this card?

  • Sign-Up Bonus: You will earn 50,000 AAdvantage miles after spending $5,000 in the first three months. The bonus is enough to book two round-trip flights within the U.S. or to the Caribbean.
  • Free Checked Bags: Most co-branded airline cards offer this perk, and the Citi AA Executive Card is no exception. Check a bag for yourself and up to eight travel companions on the same reservation.
  • Admirals Club Membership: Escape the busy terminal and enjoy an adult beverage and free Wi-Fi while you relax in a quiet lounge.
  • Global Entry/TSA PreCheck Credit: Enroll in Global Entry or TSA PreCheck and receive an application fee reimbursement once every five years.

Our Expert's Conclusion

If you live in an American Airlines’ hub city, such as Charlotte, Chicago, Dallas, Los Angeles, Miami, New York City, Philadelphia, Phoenix and Washington, and fly with the airline often, then the Citi / AAdvantage Executive World Elite MasterCard could be a good option for you. If you’re looking for airline perks, the card has got you covered with free checked bags, priority boarding and complimentary lounge access.

The downside for many travelers is the card’s high annual fee and weak rewards earning structure. Unless you pay for airfare often, it might take a while to accumulate enough miles for an award ticket. However, frequent flyers can easily justify the $450 fee by using Admirals Club lounges every time they travel.

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases.
  • Receive a 25% savings on eligible in–flight purchases on American Airlines flights.
  • Every year (January through December billing statement), when you reach $40,000 in spending on purchases, you will earn 10,000 AAdvantage® Elite Qualifying Miles from American Airlines.
  • Admirals Club® membership including access to more than 50 lounge locations worldwide. Up to two guests or immediate family (spouse, domestic partner and/or children under 18 years of age) may accompany the member.
  • Complimentary Admirals Club® lounge access for authorized users even if you aren’t traveling with them.
  • Receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre√ ®.
  • No Foreign Transaction Fees on purchases.
Gold Delta SkyMiles® Credit Card
How to Apply

To apply for this offer please contact
American Express

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 2xMiles on Delta Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
Annual Fee
$0 first year, then $95
SkyMiles®
Rating
90
  • 50,000 bonus miles after you spend $2,000 in purchases in your first 3 months
    • $50 statement credit after you make a Delta purchase within first 3 months
    • Earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months
  • No Foreign Transaction Fee
  • %20% in-flight savings

Travel Benefits

Free Checked Bag:

Delta Gold card holders will receive one free checked bag for themselves and anyone else traveling on the same reservation. That can save you up to $50 per person on round-trip flights.

Lounge Access:

Get into the Delta Sky Club for only $29 per person with the ability to bring in up to two guests for the same cost. Valid only when flying with Delta.

In-flight Savings:

Save 20 percent on food, beverages and audio headsets.

Why should you get this card?

  • Great Sign-Up Bonus: Earn 50,000 miles after spending just 2,000 in 4 months. That’s enough for a free round-trip flight within the U.S.
  • Free Checked Bags: Get your first checked bag free on every Delta flight for yourself and companions traveling on the same itinerary. Savings can be up to $50 roundtrip per person. That can add up quickly!
  • Priority Boarding: Get Zone 1 boarding when you are flying Delta. You won’t have to worry about finding space for your carry-on!
  • Reduced Fee for Delta Sky Club Access:You and up to two guests can access a Delta Sky Club Lounge for just $29 per person.

Our Expert's Conclusion

The Gold Delta SkyMiles Credit Card makes the most sense for people who often fly on Delta, but don’t have elite status. Cardholders get a free checked bag, priority boarding and discounted lounge access. Those are some nice perks that are typically reserved for elite status holders. The annual anniversary bonus makes this card relatively cheap to have. For anyone that flies at least 2 to 3 times a year on JetBlue, the free checked bag benefit alone can pay for the card.

The free checked bag benefit can be particularly valuable. You and anyone on your itinerary get one free checked bag each. That’ll save you $25 per bag for each flight, so it’s easy to quickly recoup the $95 annual fee.

  • Earn 50,000 Bonus Miles after you spend $2,000 in purchases with your new Card within the first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months.
  • 2 miles on every dollar spent on purchases made directly with Delta.
  • 1 mile on every eligible dollar spent on purchases.
  • $0 introductory annual fee for the first year, then $95.
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight.
  • No Foreign Transaction Fees.
  • 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. Some in-flight purchases do not apply.
  • Priority Boarding.
British Airways Visa Signature® Card
How to Apply

To apply for this offer please contact
Chase Bank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xMiles on British Airways Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
Annual Fee
$95
Executive Club
Rating
79
  • 50,000 Avios after you spend $3,000 in the first 3 months
    • 25,000 bonus Avios after you spend $10,000 on purchases or 50,000 bonus Avios after you spend a total of $20,000 on purchases within your first year of account opening
  • No Foreign Transaction Fee
  • +Lost Luggage Reimbursement

Travel Benefits

Companion Pass:

For every calendar year you make $30,000 or more in net purchases on your British Airways Visa card, you will earn a Travel Together Ticket valid for two years. Redeem your Avios for one reward seat for yourself, then use your Travel Together Ticket to bring a friend for only the cost of taxes and fees.

No Foreign Transaction Fees:

Whether at home or abroad, this card does not charge foreign transactions fees on your purchases.

Why should you get this card?

  • Big Sign-Up Bonus: The card’s amazing 50,000-Avios sign-up bonus is easily worth over $1,650 and potentially much more.
  • Great Earning Potential: You’ll earn 3X Avios for all British Airways, Iberia and Open Skies purchases and 1 point per dollar for everything else.
  • Free Companion Ticket: With the Travel Together Ticket, a family or friend can fly with you for free on award flights after you spend $30,000 or more on the card during the cardmember year.
  • Not Subject to Chase’s 5/24 Rule: If you’ve already opened five or more cards in the last 24 months, Chase’s notorious 5/24 rule won’t hurt your chances of getting approved.

Our Expert's Conclusion

Although British Airways Avios aren’t hard to come by, this credit card is a great way to earn even more with the extremely generous sign-up bonus. And because British Airways Executive Club offers some great redemption opportunities on its own metal and with oneworld carriers, you don’t need to be a frequent British Airways customer to get a lot of value out of the card.

With only a 95 annual fee, the sign-up bonus more than outweighs the cost of the card. Plus, if you spend $30,000 or more each year, the Travel Together Ticket carries some serious value that completely offsets the annual fee.

  • Earn 50,000 bonus Avios after you spend $3,000 on purchases with the first 3 months of account opening. Plus earn an additional 25,000 bonus Avios after you spend $10,000 on purchases or 50,000 bonus Avios after you spend a total of $20,000 on purchases within your first year of account opening.
  • Earn 3 Avios for every dollar spent on British Airways purchases.
  • Earn 1 Avios for every $1 spent on all other purchases.
  • No foreign transaction fees.
  • Travel together ticket.
Hilton Honors™ Card from American Express
How to Apply

To apply for this offer please contact
American Express

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 7xPoints on Hilton Purchases
  • 5xPoints on Dining, Gas and Groceries
  • 3xPoints on Car Rental
  • 3xPoints on All Other Purchases
Annual Fee
$0
Hilton Honors™
Rating
82
  • 50,000 bonus points after you spend $1,000 in the first 3 months
    • 500 bonus points when you use your Card to both book online and pay for your Hilton stay
  • 2.7% of each transaction in U.S. dollars
  • +Complimentary Silver Status

Travel Benefits

Foreign Transaction Fee::

2.7% of each transaction after conversion to U.S. dollars

Elite Status:

Complimentary Hilton Honors Silver status

Why should you get this card?

  • Great Earning Potential: You’ll earn bonus points on every transaction you make. Even everyday spending earns 3X bonus points—something most rewards cards do not offer.
  • No Annual Fees: Earning rewards is easy and does not cost a penny. Every point you earn goes toward free Hilton stays.
  • Sign-Up Bonus: You earn 50,000 Hilton Honors points after spending $1,000 in the first three months. Depending on the property and its redemption rates, it’s possible to book a free multi-night stay.
  • Complimentary Silver Status: Although Silver status won’t get you far, holding status in general comes with some perks, such as late checkout (subject to availability), access to the 5 th Night Free benefit and free water bottles.

Our Expert's Conclusion

For a card that charges no annual fees, the Hilton Honors Amex offers excellent earning potential due to its generous bonus categories. Because the card also comes with elite status, it’s best used to pay for stays at domestic properties within the Hilton portfolio.

Getting the card poses zero risk because it charges no annual fees, even after the introductory year. As mentioned earlier, holding a no-fee card long-term helps increase the average age of accounts, and having more available credit helps decrease utilization ratio—two factors that contribute to a higher credit score.

  • Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Earn 500 Hilton Honors Bonus Points when you use your Card to both book online and pay for your Hilton stay.
  • Car rental loss and damage insurance.
  • Global assist hotline.
  • Travel accident insurance.
  • Fraud protection.
  • Year-end summary.

Compare Sign-Up Bonus Credit Cards

Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.

Credit Card
Bonuses & Rewards
First Year Rewards
FEES
RE® value
Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Business Credit Card

Bonuses & Rewards
  • 60,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,387
FEES
-$99
RE® value
$1,288
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Hawaiian Airlines® World Elite MasterCard®

Hawaiian Airlines® World Elite MasterCard®

Bonuses & Rewards
  • 35,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$989
FEES
-$89
RE® value
$900
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Hilton Honors™ Card from American Express

Hilton Honors™ Card from American Express

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 72,000 points for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
American Express

More Details
Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card

Bonuses & Rewards
  • 80,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$957
FEES
-$85
RE® value
$872
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Expedia®+ Voyager Card from Citi

Expedia®+ Voyager Card from Citi

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$406
FEES
-$95
RE® value
$311
How to Apply

To apply for this offer please contact
Citibank

Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$706
FEES
-$95
RE® value
$611
How to Apply

To apply for this offer please contact
American Express

More Details
Miles & More® World Elite MasterCard®

Miles & More® World Elite MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,709
FEES
-$89
RE® value
$1,620
How to Apply

To apply for this offer please contact
Barclaycard

Venture® Rewards Credit Card

Venture® Rewards Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$980
FEES
-$0
RE® value
$980
How to Apply

To apply for this offer please contact
Capital One®

More Details
Citi® / AAdvantage® Executive World Elite™ MasterCard®

Citi® / AAdvantage® Executive World Elite™ MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,304
FEES
-$450
RE® value
$854
How to Apply

To apply for this offer please contact
Citibank

More Details
Alaska Airlines Visa Signature® Credit Card

Alaska Airlines Visa Signature® Credit Card

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$860
FEES
-$75
RE® value
$785
How to Apply

To apply for this offer please contact
Bank of America

More Details
JetBlue® Plus MasterCard®

JetBlue® Plus MasterCard®

Bonuses & Rewards
  • 30,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,057
FEES
-$99
RE® value
$958
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Bonuses & Rewards
  • 20,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$560
FEES
-$0
RE® value
$560
How to Apply

To apply for this offer please contact
Bank of America

United MileagePlus® Explorer Card

United MileagePlus® Explorer Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,087
FEES
-$95
RE® value
$992
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$240
FEES
-$0
RE® value
$240
How to Apply

To apply for this offer please contact
Citibank

More Details
Platinum Delta SkyMiles® Credit Card

Platinum Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 70,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,560
FEES
-$195
RE® value
$1,365
How to Apply

To apply for this offer please contact
American Express

More Details
Delta Reserve Credit Card

Delta Reserve Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,010
FEES
-$450
RE® value
$560
How to Apply

To apply for this offer please contact
American Express

More Details
Gold Delta SkyMiles® Credit Card

Gold Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,210
FEES
-$0
RE® value
$1,210
How to Apply

To apply for this offer please contact
American Express

More Details
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,332
FEES
-$0
RE® value
$1,332
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

Bonuses & Rewards
  • 30,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$826
FEES
-$0
RE® value
$826
How to Apply

To apply for this offer please contact
Citibank

More Details
Citi® / AAdvantage® Gold World Elite™ Mastercard®

Citi® / AAdvantage® Gold World Elite™ Mastercard®

Bonuses & Rewards
  • 25,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$764
FEES
-$0
RE® value
$764
How to Apply

To apply for this offer please contact
Citibank

More Details
Chase Sapphire Reserve℠

Chase Sapphire Reserve℠

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,632
FEES
-$450
RE® value
$1,182
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,010
FEES
-$450
RE® value
$560
How to Apply

To apply for this offer please contact
American Express

Virgin Atlantic World Elite MasterCard®

Virgin Atlantic World Elite MasterCard®

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 36,000 miles for everyday spend.
First Year Rewards
$840
FEES
-$90
RE® value
$750
How to Apply

To apply for this offer please contact
Bank of America

Platinum Card® from American Express

Platinum Card® from American Express

Bonuses & Rewards
  • 60,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,720
FEES
-$550
RE® value
$1,170
How to Apply

To apply for this offer please contact
American Express

More Details
Gold Delta SkyMiles® Business Credit Card

Gold Delta SkyMiles® Business Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,210
FEES
-$0
RE® value
$1,210
How to Apply

To apply for this offer please contact
American Express

More Details
Spirit Airlines™ World Mastercard®

Spirit Airlines™ World Mastercard®

Bonuses & Rewards
  • 15,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$864
FEES
-$0
RE® value
$864
How to Apply

To apply for this offer please contact
Bank of America

More Details
IHG® Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

Bonuses & Rewards
  • 60,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$655
FEES
-$0
RE® value
$655
How to Apply

To apply for this offer please contact
Chase Bank

Platinum Delta SkyMiles® Business Credit Card

Platinum Delta SkyMiles® Business Credit Card

Bonuses & Rewards
  • 70,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,560
FEES
-$195
RE® value
$1,365
How to Apply

To apply for this offer please contact
American Express

British Airways Visa Signature® Card

British Airways Visa Signature® Card

Bonuses & Rewards
  • 50,000 Avios sign-up bonus.
  • 24,000 Avios for everyday spend.
First Year Rewards
$1,228
FEES
-$95
RE® value
$1,133
How to Apply

To apply for this offer please contact
Chase Bank

More Details
VentureOne® Rewards Credit Card

VentureOne® Rewards Credit Card

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 30,000 miles for everyday spend.
First Year Rewards
$500
FEES
-$0
RE® value
$500
How to Apply

To apply for this offer please contact
Capital One®

More Details
Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$892
FEES
-$0
RE® value
$892
How to Apply

To apply for this offer please contact
Citibank

More Details
Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Bonuses & Rewards
  • 40,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,071
FEES
-$99
RE® value
$972
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Bonuses & Rewards
  • 25,000 Starpoints® sign-up bonus.
  • 24,000 Starpoints® for everyday spend.
First Year Rewards
$941
FEES
-$0
RE® value
$941
How to Apply

To apply for this offer please contact
American Express

More Details
JetBlue® MasterCard®

JetBlue® MasterCard®

Bonuses & Rewards
  • 10,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$571
FEES
-$0
RE® value
$571
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

Bonuses & Rewards
  • 20,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$462
FEES
-$79
RE® value
$383
How to Apply

To apply for this offer please contact
Bank of America

Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$926
FEES
-$0
RE® value
$926
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Citi Prestige® Card

Citi Prestige® Card

Bonuses & Rewards
  • 40,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,165
FEES
-$450
RE® value
$715
How to Apply

To apply for this offer please contact
Citibank

More Details
AAdvantage® Aviator™ Red World Elite MasterCard®

AAdvantage® Aviator™ Red World Elite MasterCard®

Bonuses & Rewards
  • 60,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,360
FEES
-$95
RE® value
$1,265
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Frontier Airlines World MasterCard®

Frontier Airlines World MasterCard®

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$960
FEES
-$69
RE® value
$891
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Hilton Honors™ Surpass® Card from American Express

Hilton Honors™ Surpass® Card from American Express

Bonuses & Rewards
  • 75,000 points sign-up bonus.
  • 72,000 points for everyday spend.
First Year Rewards
$470
FEES
-$75
RE® value
$395
How to Apply

To apply for this offer please contact
American Express

FlexPerks® Travel Rewards Visa Signature® Card

FlexPerks® Travel Rewards Visa Signature® Card

Bonuses & Rewards
  • 20,000 FlexPoints® sign-up bonus.
  • 24,000 FlexPoints® for everyday spend.
First Year Rewards
$880
FEES
-$0
RE® value
$880
How to Apply

To apply for this offer please contact
U.S. Bank

More Details
Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
How to Apply

To apply for this offer please contact
American Express

More Details
United MileagePlus® Explorer Business Card

United MileagePlus® Explorer Business Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,249
FEES
-$0
RE® value
$1,249
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Wyndham Rewards® Visa® Card

Wyndham Rewards® Visa® Card

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$281
FEES
-$0
RE® value
$281
How to Apply

To apply for this offer please contact
Barclaycard

The Do’s and Don’ts: Tips for Comparing Top Credit Cards and Obtaining the Best Sign-Up Bonuses

Banks are essentially giving away money to get people to sign-up for their credit cards. Almost every type of card offers welcome bonuses, from travel cards to store cards to everyday cards and more. With the recent tightening of restrictions within many banks these opportunities may not last forever. These tips will help you get the cards you want and the fat bonuses that go with them.

  • DO: figure out what you need to do to get the bonus.

    You will always need to be approved and activate the card. You may receive a bonus just for completing an initial transaction, but for most of the best bonus offers you will need to spend a certain amount of money within a specific timeframe. Be aware that balance transfers, cash advances and card fees, including the annual fee, will not count toward your spending goal. You may also need to sign up for an online account or add an authorized user. Just ask to be sure.

  • DON’T: apply for a new card before you have met the spending requirement on your previous card.

    Most cards that come with a welcome bonus require you to spend a specific amount of money in a certain amount of time. Approvals can be quick, and some can even be instant. Trying to meet two minimum spends simultaneously might cause you to put more on your cards than you can easily pay off. However, if you do attempt to get two bonuses at once, try buying gift cards that can be used for future necessities, such as gas, food and other bills. That might make more sense than spending frivolously.

  • DO: consider paying an annual fee.

    Although there are some no-fee credit cards that offer decent sign-up bonuses, the best welcome bonuses are typically offered by cards that do charge an annual fee. Consider that many of them will waive the fee for the first year. Also, you should think about what you are getting in return for this fee. Many cards come with perks in addition to bonuses that offset the fee, especially when it comes to travel credit cards.

  • DON’T: overspend.

    If you carry a balance on your card, you’ll probably have to pay interest which can quickly negate the value of the bonus. However, not carrying a balance does not mean that you should not use your card. You should use it often to continue to reap additional rewards on purchases. Just make sure you pay your balance in full each month. Many cards have a grace period which is an allotted time period (usually 2 or 3 weeks) from the billing date in which you must get them the full balance to avoid paying interest.

  • DO: have more than one credit card.

    More cards can increase your credit score. Lenders like to see that other banks have trusted you and that you continually meet your obligations. The number of open accounts is a factor in calculating your credit score, and having several in good standing can give it a boost. Also, having available unused credit it will improve your debt to credit ratio, which will also have a positive impact on your score.

  • DON’T: try to make a profit with credit card sign-up bonuses if you are not a strict spender or good at sticking to a budget.

    This strategy is only for the financially conscious. If you carry a balance, interest payments will easily take away from the value of your bonus and the rewards you earn.

  • DO: know about bank-specific restrictions.

    Having excellent credit does not necessarily make you a shoo-in for every card. There can be many reasons to be denied for a card besides your credit score. Several card issuers have instituted policies to cut down on people repeatedly applying for credit cards just to get the bonuses (also known as churning). For instance, Chase may deny applications of those who have opened five accounts within the past 24 months. This is also known as the 5/24 rule, and it applies to all credit card accounts, not just those with Chase. Amex gives one bonus per card per lifetime, and Citi cards have a 24-month open/close rule. However, this does not mean you can’t get multiple bonuses from Citi. And there are many cards that are still liberal with the disbursement of bonuses, like the Alaska Airlines Visa Signature.

  • DON’T: apply for too many cards in a short period of time.

    This may trigger a red flag for a bank which could result in a denial. It may seem to the bank like you have a lack of funds or are desperate for additional credit. There is no set rule about this, but we all know it won’t look good to creditors.

  • DO: call the reconsideration line if you are denied.

    They do reconsider and sometimes change their mind. Be sure to find out why you were denied. In many cases, there may be something you can do to rectify the situation, like closing an existing account or requesting a lower spending limit. This call will not hurt your chances, so it is worth a shot. Although a hard inquiry can cost your credit score a couple of points, the denial itself will not impact your credit score.

FAQs

Need more info? Check out our FAQ. If you have any questions, don't hesitate to leave a comment below.

  • What used to be the Citi 18-month open/close rule is now the 24-month open/close rule. Banks are implementing stricter policies to prevent people from opening and closing credit card accounts just to receive sign-up bonuses, also referred to as churning. This policy basically says that you’re eligible for the bonus on a certain Citi card if you haven’t opened or closed the card in the past 24 months.
    This rule seems to be open to some interpretation, though, as it may also apply to different Citi cards in the same family. For example, the Citi Hilton Honors Reserve card and the Citi Hilton Honors Visa Signature card is considered by the bank to be the same type of card.
  • This is an ever-changing market, and it is difficult to pinpoint one card as the best. Several issuers have recently offered bonuses of 100,000 points, but they have quickly disappeared. These top bonuses were offered by both Amex and Chase. The best sign-up bonus is really a choice between what is available at any given time.
    For the most part, you can think of the value of miles or points as roughly 1 cent each. Therefore a bonus of 50,000 points is worth about $500. However, if you can redeem these rewards for travel, they can easily raise the value of your points. That means that the sign-up bonus is only one piece of the puzzle. Reward rates and flexibility of redemptions should probably be major factors in choosing a credit card, not to mention the value of a card’s perks and benefits.
    You should also think about what it takes to get the bonus, such as the minimum spending requirement and the timeframe to complete it. All in all, which card is best for those seeking a large welcome bonus is subjective and will depend mostly on your needs, preferences and spending habits.
  • There are all sorts of sign-up and welcome bonuses attached to all sorts of cards that cater to customers with all types of credit. However, to be eligible for the highest credit card sign-up bonuses, you will need good to excellent credit and a decent income to match. If you don’t have the best credit and are interested in credit cards with large welcome bonuses, you should take steps to improve your credit.
  • Pay your bills. Try to focus on things that you would have to pay anyways, like cable, phone, insurance and utilities. This usually goes without saying, but be sure to charge your gas, groceries and other incidentals. Charge everything you can. If you shop somewhere and they don’t accept credit cards, shop somewhere else.

    There are some creative ways to pay bills that normally don’t accept credit cards, like a mortgage or car payment, by using services like ChargeSmart. You can even pay your taxes with a credit card. This includes property taxes, state taxes and even the IRS.

    Another way to meet spend is to pay people with electronic payment services, such as Venmo. That’s right, you can pay people with your credit card. If you must give someone money for whatever reason don’t fork over cash, use a payment system. It’s like getting a cash advance without paying the high interest rate associated with them. Be aware that these services charge a fee of 3 percent, so this is a last resort for meeting spending requirements and would not be lucrative for day-to- day reward earning.

  • For the most part the answer is yes. Let’s start by saying you don’t need a storefront to own your own business. Telecommuting and home-based businesses are among the norm nowadays. Self-employment has never been more widely recognized and accepted.

    When you fill out an application for a business card, you can use your Social Security number. It is not necessary to have an EIN to apply for some of the best business credit cards offering big sign-up bonuses.

    You can be employed by someone else and still operate your own business on the side. You might be a consultant, a freelance writer or even a merchant on e-bay. The bottom line is that you down need to own anything, you just need to be conducting business.

  • Well, let’s start by saying that the average national interest rate on credit cards is about 15.33%. The best interest rate on the market would obviously be 0%. However, most cards that offer large bonuses do charge interest. So, if you are interested in the highest bonuses, the only way to avoid paying interest is to not carry a balance at all.

    Most cards will offer a grace period, which is an amount of time after the billing date that you have in which your new purchases will not collect interest. Some of them offer variable interest rates, so when you apply the rate will be accordingly lower or higher depending on your credit score. If you are looking to make bonuses and rewards fruitful, you never want to pay interest.

    It is also possible to get a bonus and a 0% promotional APR. These bonuses may be on the lower end of the spectrum but are still a significant win if it’s what fits your circumstances.

  • Yes, there are several cards that offer a sign-up bonus and have no annual fee. However, for the top cards with the highest bonuses you will have to pay an annual fee. In many cases these cards waive the fee for the first year. This will give you a chance to explore the card and its benefits, as well as earn a welcome bonus, all without paying a cent in fees.

    Paying an annual fee should not be out of the question if you are serious about earning rewards or are an avid traveler. These fees can be worth your while. Not only are the sign-up bonuses at a peak right now, but these cards come with benefits that far outweigh the costs of an annual fee.

  • It is possible, but I think after spending over $200 million in connection with this offer, Chase might not making it available again anytime soon. I am sure they are going to see how this investment plays out before attempting another stunt like that.

    However, between the publicity the card received and the clientele it attracted, it is likely to net them a profit. Remember that with the Chase Sapphire Reserve℠ card, 100,000 points is equivalent to $1,500 when redeemed for travel, so travel hackers went nuts for it. Never mind the endless list of perks that come with it, which undoubtedly helped attract the upper echelon of cardholders to it as well.

    In the meantime, look out for other banks and issuers to follow suit. Bonuses have been steadily rising recently, and there are many competitive sign-up bonuses out now. But remember that they are not going to be available forever!

  • This is the practice of opening and closing credit card accounts in order to collect rewards and bonuses. In many cases it may even entail closing and then reopening the same credit card just to get the bonus again. Some credit card issuers are instituting policies to crack down on this practice. While Citibank and Chase have been getting stricter, American Express has had a policy for a while that affords one bonus per card per lifetime. However, many cards still afford the customers the ability to obtain bonuses multiple times.

  • Citibank has several specific policies in regards to applications. Your application will not be approved if you have applied for more than one Citi card in eight days, or two in 65 days. Additionally, only one business card application will be approved in a 95-day period.

    In regards to bonuses, they will not award a bonus if you have received a bonus on a similar type of card in the past 24 months. For instance, the Citi® / AAdvantage® Executive World Elite™ MasterCard® and the Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® are considered similar enough that you would not get a second bonus if you had received one within a 24-month period.

    Another consideration is what is known in the industry as the Citi 6/6 rule, which means you may be denied for a Citi card if you have had six or more hard inquiries on your credit report in the last six months. And finally, Citi requires you to have a card for at least one year before downgrading.

  • I would not recommend applying for more than three credit cards per quarter. If you were to apply for three, you should space them apart and be sure you can met the various minimum spending requirements. Keep in mind that the spending requirement for a single card can top $3,000, but you can get a significant bonus for spending just $1,000. That should be easy enough to swing in a month.

    You shouldn’t apply for multiple cards at the same time as this may trigger a denial. If you plan on applying for multiple cards, you should familiarize yourself with the bank’s specific restrictions, especially for Chase, Citibank and American Express.

    You should also know that it is possible to find cards that are liberal with their bonuses, such as the Alaska Airlines card and others offered by Bank of America. Aside from the sign-up bonuses, many of these cards come with massive amounts of perks, especially for avid travelers. When you consider paying an annual fee on a card, consider its perks and benefits, which might include companion airline tickets, travel credits, baggage fees, lounge access and preferential treatment. Never flown first class? Well with some of the best travel credit cards it may be easier than you think to get an upgrade.

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