Credit cards can be a powerful tool for earning rewards, especially when it comes to sign-up bonuses. These bonuses offer a quick and easy way to rack up a stash of rewards right from the start. You simply need to meet a minimum spending requirement within a specific timeframe to qualify. The best part? These bonuses can be worth up to $1,000 or more, providing you with free flights, hotel stays, or cash back. To help you navigate the world of credit card sign-up bonuses, we have compared over 80 of the best credit cards available to find the offers that truly stand out.
Best credit card sign-up bonus comparison chart 2024
Let’s take a look at our top recommendations for the best credit card sign-up bonuses, along with their key features and benefits.
Best for flexible rewards: Chase Sapphire Preferred® Card
- Credit score needed: credit_score_needed
- Regular APR: reg_apr,reg_apr_type
Welcome bonus: The Chase Sapphire Preferred® Card offers a bonus_miles_full as a welcome offer.
Other reasons we like it: This card earns rewards within the flexible Chase Ultimate Rewards program. You can redeem your rewards for cash back, gift cards, travel through Chase, or transfer them to Chase airline and hotel partners. The card also comes with a $50 annual hotel credit, complimentary travel insurance benefits, and 25% more value for points when redeeming for airfare, hotels, rental cars, and more through the Chase travel portal.
Pros & cons:
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Pros:
- Generous flat rewards rate on all purchases.
- Rewards can be used for travel and non-travel options.
- Comes with several travel benefits.
- No foreign transaction fees.
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Cons:
- High APR for purchases.
- Fairly steep spending requirement to earn the welcome bonus.
- Annual fee is not waived the first year.
Best flat-rate rewards card: Capital One Venture Rewards Credit Card
- Credit score needed: credit_score_needed
- Regular APR: reg_apr,reg_apr_type
Welcome bonus: Sign up for the Capital One Venture Rewards Credit Card to receive a bonus_miles_full.
Other reasons we like it: This card lets you earn 2x miles on all purchases, and 5x miles on hotels and car rentals booked through Capital One. You can redeem your rewards for gift cards, merchandise, travel through Capital One Travel, or transfers to Capital One airline and hotel partners. The card also offers several travel perks, including visits to Capital One airport lounges, a fee credit for Global Entry or TSA PreCheck® membership, and Hertz Five Star status.
Pros & cons:
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Pros:
- Generous flat rewards rate on all purchases.
- Rewards can be used for travel and non-travel options.
- Comes with several travel benefits.
- No foreign transaction fees.
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Cons:
- High APR for purchases.
- Fairly steep spending requirement to earn the welcome bonus.
- Annual fee is not waived the first year.
Best for businesses that spend big: Capital One Venture X Business
- Credit score needed: credit_score_needed
- Regular APR: reg_apr,reg_apr_type
Welcome bonus: With the Capital One Venture X Business, individuals who own a business can earn a bonus_miles_full.
Other reasons we like it: Similar to the consumer version, the Capital One Venture X Business offers a simple earning rate, allowing small business owners to accrue travel rewards with ease. Cardholders earn a flat 2x miles on regular purchases, 5x miles on flights booked through Capital One, and 10x miles on hotels and rental cars booked through the portal. The card also comes with a range of travel perks, including a $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck® membership, and a broad airport lounge membership program.
Pros & cons:
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Pros:
- Welcome offer is worth $1,500.
- Generous rewards rate for travel and other spending.
- Comes with a $300 annual travel credit.
- Airport lounge access included.
- Points transfer to airlines and hotels.
- No foreign transaction fees.
- No preset spending limit.
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Cons:
- Exceptionally high minimum spending requirement to earn the bonus.
- Charge card requires borrowers to pay the balance in full each month.
- Annual fee applies.
Best for luxury travel: Chase Sapphire Reserve® Card
- Credit score needed: credit_score_needed
- Regular APR: reg_apr,reg_apr_type
Welcome bonus: The Chase Sapphire Reserve® Card allows you to earn a bonus_miles_full.
Other reasons we like it: This luxury travel credit card earns flexible Chase Ultimate Rewards points, which can be used for cash back, gift cards, travel through Chase, or transfers to Chase airline and hotel partners. Cardholders enjoy 50% more value when redeeming points for travel through the Chase portal, as well as luxury travel benefits such as airport lounge membership, a $300 annual travel credit, and various travel insurance perks.
Pros & cons:
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Pros:
- Earns 3x to 10x points on eligible travel and dining purchases.
- Rewards feature flexible redemptions.
- Includes benefits that make travel more comfortable and luxurious.
- 50% more value for points when redeeming through Chase portal.
- Includes complimentary travel insurance benefits.
- No foreign transaction fees.
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Cons:
- High APR for purchases.
- Fairly steep spending requirement to earn the welcome bonus.
- Annual fee required (not waived the first year).
- Low rate of 1 point per dollar on regular purchases.
Best for everyday spending: Citi Premier® Card
![Citi Premier® Card