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Best Bonuses

When you have a large expense coming up, it’s a smart idea to get a new credit card so you can take advantage of a new card bonus, which always requires a minimum amount of spend in a defined timeframe. Whether you call it a signup bonus, a welcome bonus, or an early spend bonus, we’ve got you covered. We base our rankings on the value of the points of each card by the amount of the bonus. Pretty simple!

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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46 Cards Available:

Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,750

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Annual Fee: $95

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Estimated Bonus Value :

$1,750

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.

The Chase Ink Preferred credit card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.

If your business spends a lot in any of these categories, you can earn a ton of points.

It also earns 5X Ultimate Rewards points on Lyft rides.

You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,400

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Annual Fee: $95

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Estimated Bonus Value :

$1,400

Offer: 80,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months

Perhaps the best "starting out card" in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Chase Sapphire Preferred Card Earn Rate:

  • 5X Chase Ultimate Rewards points on Lyft rides
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase.

Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.

Offer: 80,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$1,400

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Annual Fee: $199

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Estimated Bonus Value :

$1,400

Offer: Up to 100,000 points: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months and 30,000 additional points if you spend $25,000 within 6 months.

This card is all about being half of the one-two card combo needed to earn Southwest Companion Pass for two years with just two credit cards.

In fact, you can qualify for the Southwest Companion Pass in one shot by meeting the bonus offer of spending $25,000 within 6 months.

The premium version of the Southwest Rapid Rewards Premier Business Credit Card, this card offers 9,000 bonus Rapid Rewards points each cardmember anniversary, has multiple spending bonus categories, and includes benefits like 4 upgraded boardings per year, in-flight Wifi credits and Global Entry / PreCheck fee credits.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: Up to 100,000 points: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months and 30,000 additional points if you spend $25,000 within 6 months.
Credit card
Estimated Bonus Value :

$1,275

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Annual Fee: $595

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Estimated Bonus Value :

$1,275

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.

Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).

In 2020, the Dell credit is doubled to $200 Jan-June and $200 July-Dec!)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months
Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $95

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Estimated Bonus Value :

$1,200

Offer: 50,000 bonus points when you spend $3,000 in 3 months and 50,000 more bonus points if you spend $20,000 in your first year

Earn 2x Capital One miles on all purchases. Use as a travel eraser at 1 cent per point or transfer to airline miles at 2:1.5 ratio (equals 1.5 airline miles per dollar spent).

Earn 5% on Capital One Travel-booked hotel and rental car bookings

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a purchase eraser, the early spend bonus value will be $500, exactly.

2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

Click below to see details on the airline partners.

Offer: 50,000 bonus points when you spend $3,000 in 3 months and 50,000 more bonus points if you spend $20,000 in your first year
Credit card

United Club Infinite Card

Annual Fee: $525

Estimated Bonus Value :

$1,200

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Annual Fee: $525

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Estimated Bonus Value :

$1,200

Offer: 100,000 bonus MileagePlus miles when you spend $5,000 in your first 3 months

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), and expanded award availability.

The card also provides a Global Entry / PreCheck credit of up to $100

You can earn a PQD waiver with $25,000 spend.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 4X. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 100,000 bonus MileagePlus miles when you spend $5,000 in your first 3 months
Credit card
Estimated Bonus Value :

$975

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Annual Fee: $99

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Estimated Bonus Value :

$975

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card

Citi Premier

Annual Fee: $95

Estimated Bonus Value :

$900

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Annual Fee: $95

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Estimated Bonus Value :

$900

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel and entertainment card with a low annual fee.It has some powerful bonus category earnings

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flightsl and Hotels
  • 1X Points on All Other Purchases

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card

United Business Card

Annual Fee: $99

Estimated Bonus Value :

$900

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Annual Fee: $99

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Estimated Bonus Value :

$900

Offer: 75,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months.

Allows for a free checked bag, priority boarding, 2 United Club one-time passes each card anniversary, the Luxury Hotel and Resort Collection, access to United MileagePlus events, and expanded economy award availability.

The United Business Card offers bonus categories of 2x on office supply stores, restaurants, and gas stations, local transit and commuting, including taxicabs, mass transit, tolls, and ride share services as well as on United itself, of course. It also offers 10,000 bonus miles and a PQD waiver upon spending $25,000.

Perhaps best of all, cardholders get access to expanded saver award availability.

Additional benefits:

  • $100 annual United travel credit after 7 United purchases over $100
  • Receive 5,000 bonus miles each card anniversary if you have both the United Business card and a personal United credit card
  • Get 25% back on United inflight purchases

Need to Know: The calculations for this card assume that your "airfare" spend is on United only. If a portion of your airline spend is on other airlines, your reward values will be slightly lower than stated.

Also, if you used our rewards optimizer tool and are seeing this in your results, "Other Travel" refers to local transit and commuting - including taxis, mass transit, tolls, and ride share services.

Bonus Eligibility: 

This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.

Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.

Also Note: You will only be approved for a Chase card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.

Offer: 75,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$875

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