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Best Credit Card Sign-Up Bonuses For August 2020

Holly Johnson
contributor
i
Advisor
Holly Johnson is a credit card and travel expert with a focus on rewards and loyalty programs and family travel in Europe and the Caribbean.
Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. The Discover offers on this page are no longer available on Forbes. As a result, offers described on this page may be out of date.

Many of the top credit cards offer lucrative rewards schemes that can make using them for your regular spending a profitable endeavor. You could be using a travel credit card to earn points good for airfare and hotels, or you could be leaning on a cash back credit card to earn back a percentage of each dollar you spend. Either way, cards in this category offer rewards that can be close to “free” provided you don’t use credit cards to overspend and you always pay your credit card bill in full each month.

In addition to rewards for regular spending, many top cards offer welcome bonuses you can earn when you meet a minimum spending threshold within a few short months. These bonuses can help you rack up a ton of rewards quickly, and they’re not too difficult to earn if you use your credit card for all your regular spending and bills.

Forbes dug through hundreds of credit card offers to find the credit cards with the best welcome bonuses. If you’re in the market for a new credit card and you want an initial boost of points or miles, here are the best credit cards to consider right now.

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Best Credit Card Sign-Up Bonuses

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best Premium Travel Credit Card

Chase Sapphire Reserve®

Up to 3X Reward Rate
Earn 3X points on travel immediately after earning your $300 travel credit; Earn 3X pointsRead More
Welcome Bonus
50,000 points
Annual Fee
$550
Regular APR
16.99%-23.99% Variable
Credit Score
Excellent Credit (750 - 850)

Best Premium Travel Credit Card

Chase Sapphire Reserve®
Click Here To Apply Now

Chase Sapphire Reserve®

Apply Now
On Chase's Secure Website
On Chase's Secure Website

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit will offset much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards nets you a 50% bonus.

Pros

  • $300 annual travel credit
  • Point transfers to airline and hotel partner programs
  • Up to 3x rewards
  • Welcome bonus

Cons

  • High regular APR
  • High annual fee of $550, not waived in first year
  • No intro APR offer
  • Requires excellent credit
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 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. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Featured Credit Card Featured Card

Best for Delta Flyers

Delta SkyMiles® Gold American Express Card

Up to 2X Reward Rate
Earn 2X miles at restaurants; Earn 2X miles on eligible purchases made directly with Delta;Read More
Welcome Bonus
35,000 bonus miles
Annual Fee
$0 introductory annual fee for the first year, then $99.
Regular APR
15.74%-24.74% Variable
Credit Score
Excellent/Good (700 - 749)

Best for Delta Flyers

Delta SkyMiles® Gold American Express Card
Click Here To Apply Now

Delta SkyMiles® Gold American Express Card

Apply Now
On American Express's Secure Website
See Rates & Fees / Terms Apply
Partner Offer
On American Express's Secure Website
Partner Offer

Delta loyalists will love the free checked bag, priority boarding and generous welcome bonus, but the high APR and lack of an intro APR offer reduce this card's appeal.

Pros

  • No foreign transaction fee
  • Free checked bag and priority boarding
  • Generous welcome bonus
  • Large variety of airline partners

Cons

  • High regular APR
  • Aside from purchases with Delta, there are no bonus earning categories
  • Stopovers not permitted on reward flights
  • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • New! Get ready for your next trip – spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • 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.
  • Enjoy a $0 introductory annual fee for the first year, then $99.
  • Terms Apply.
Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best for Travel Benefits

The Platinum Card® from American Express

Up to 5X Reward Rate
Earn 5X Membership Rewards® points on flights booked directly with airlines or with American ExpressRead More
Welcome Bonus
60,000 Membership Rewards® Points
Annual Fee
$550
Regular APR
N/A
Credit Score
Excellent/Good (700 - 749)

Best for Travel Benefits

The Platinum Card® from American Express
Click Here To Apply Now

The Platinum Card® from American Express

Apply Now
On American Express's Secure Website
See Rates & Fees / Terms Apply
Partner Offer
On American Express's Secure Website
Partner Offer

The Amex Platinum Card® is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card's staggering $550 annual fee is well justified.

Pros

  • Excellent luxury travel benefits
  • Complimentary Gold Status with Marriott Bonvoy and Hilton Honors
  • Earn 5x points on travel

Cons

  • High minimum payment for Pay Over Time option
  • No default option to carry a balance on purchases
  • Very high annual fee with no first-year waiver
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on .
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
  • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Featured Credit Card Featured Card

Best Hotel Credit Card Bonus

Hilton Honors Aspire Card from American Express *

Welcome Bonus
150,000 points
Annual Fee
$450
Regular APR
15.74% - 24.74% Variable APR on purchases
Credit Score
Good/Excellent (700 - 749)

Best Hotel Credit Card Bonus

Hilton Honors Aspire Card from American Express
Click Here To Learn More

Hilton Honors Aspire Card from American Express *

On American Express's Secure Website

The flagship card from Hilton, the Hilton Honors Aspire Card from American Express comes with a price tag to match its top-tier status and perks. It's a perfect fit for big spenders who haunt Hilton properties enough to leverage the rich suite of benefits that come with the complimentary Diamond status.

Pros

  • Free Priority Pass Select membership
  • Wide variety of points transfer partners
  • Up to $600 in statement credits
  • Instant Hilton Diamond status with rich set of benefits

Cons

  • High annual fee with no first-year waiver
  • High regular APR and penalty APR
  • No intro APR offer
  • Points have a lower value than most rewards programs
  • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership
  • EARN 14X HILTON HONORS BONUS POINTS when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio
  • EARN 7X HILTON HONORS BONUS POINTS on eligible purchases on your Card for: Flights booked directly with airlines or amextravel.com, Car rentals booked directly from select car rental companies and U.S. restaurants
  • EARN 3X HILTON HONORS BONUS POINTS on all other eligible purchases
  • $250 HILTON RESORT STATEMENT CREDIT: With your Hilton Honors American Express Aspire Card, enjoy up to $250 in statement credits each year of Card Membership for eligible purchases at participating Hilton Resorts
  • Hilton Honors Diamond Status. With your Hilton Honors Aspire Card, you can enjoy complimentary Diamond status which includes even more perks from Hilton, such as 100% extra Bonus Points on all Base Points you earn, room upgrades, and more
  • Weekend Night Reward. Enjoy night one weekend reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year
  • $100 Hilton On-Property Credit
  • Shop With More Confidence. Return Protection.If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
  • Concierge. Let us take care of it. Concierge is a complimentary service, available day or night. Whether you need expert advice to make arrangements and reservations for a special anniversary dinner, tickets for a Broadway show, or the perfect gift, you can rely on Concierge to help take care of your requests, large and small.
  • Priority Pass™ Select. Relax with unlimited lounge visits for you and up to 2 guests per visit once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 airport lounges around the world
  • $250 Airline Fee Credit.With the Hilton Honors Aspire Card you can also take advantage of the $250 Airline Fee Credit for incidental charges that are charged by the airline to your Card account.
  • Car Rental Loss and Damage Insurance
  • Premium Global Assist® Hotline. You can rely on 24-7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home. Premium Global Assist® Hotline
  • Baggage Insurance Plan.Coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible Card Account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Featured Credit Card Featured Card

Best Rewards Rate with No Annual Fee

Wells Fargo Propel American Express® Card

Up to 3X Reward Rate
Earn 3X points on eating out and ordering in; Earn 3X points on gas stations,Read More
Welcome Bonus
20,000 points
Annual Fee
$0
Regular APR
14.49% - 24.99% Variable APR on purchases and balance transfers
Credit Score
Good/Excellent (700 - 749)

Best Rewards Rate with No Annual Fee

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

On Wells Fargo Bank's Secure Website

Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories.

Pros

  • Option to transfer points to other Wells Fargo cards
  • 3x points reward rate on several spending categories
  • Points don’t expire

Cons

  • Low 1x points reward rate on non-bonus categories
  • No points transfer partners
  • No bonus points reward rate for groceries
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • No limit to the points you can earn
20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

[back to summary]

Featured Credit Card Featured Card

Easiest Bonus to Earn

Chase Freedom Unlimited®

Welcome Bonus
$200 Cash Back
Annual Fee
$0
Regular APR
14.99 - 23.74% Variable
Credit Score
Excellent/Good (700 - 749)

Easiest Bonus to Earn

Chase Freedom Unlimited®
Click Here To Apply Now

Chase Freedom Unlimited®

Apply Now
On Chase's Secure Website
On Chase's Secure Website

A good overall spending card that allows you to hold a balance at 0% Intro APR, pay no annual fee, and still earn limitless 1.5% cashback on all purchases

Pros

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months
  • Unlimited 1.5% cashback rewards
  • No minimum redemption amount

Cons

  • 3% foreign transaction fee
  • High cash advance fee of $10 or 5% , whichever is greater
  • Balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.

Here's a summary of Best Credit Card Sign-Up Bonuses

Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Best for Flexible Rewards
Excellent/Good
$95
60,000 bonus points
Best Premium Travel Credit Card
Excellent Credit
$550
50,000 points
Best for Delta Flyers
Excellent/Good
$0 introductory annual fee for the first year, then $99.
35,000 bonus miles
Best for American Airlines Flyers
Excellent
$99, waived for first 12 months
50,000 miles
Best for Travel Benefits
Excellent/Good
$550
60,000 Membership Rewards® Points
Best Hotel Credit Card Bonus
Good/Excellent
$450
150,000 points
Best Rewards Rate with No Annual Fee
Good/Excellent
$0
20,000 points
Easiest Bonus to Earn
Excellent/Good
$0
$200 Cash Back
Best Sign Up Bonus for Small Business
Excellent Credit
$95
100,000 bonus points
Best for Flat-Rate Travel Rewards
Good/Excellent
$95
50,000 miles

Methodology

hndzlp.cnpared the top rewards and travel credit cards available today to come up with this ranking of the best credit card welcome bonuses. Beyond the bonus itself, we compared rewards programs to make sure we chose cards with a valuable points redemption rate. We also spent time comparing credit cards in terms of their annual fees, mostly to make sure any fees charged were justifiable based on cardholder benefits offered. We came up with a list of the top credit card offers with welcome bonuses that are easy to earn and valuable for most consumers.


Best Credit Card Sign-Up Bonuses

Chase Sapphire Preferred® Card

The lets new cardholders Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. You also earn double rewards on travel and dining purchases.

Rewards: Earn 2 Ultimate Rewards points per dollar spent on travel and dining and 1 Ultimate Rewards points per dollar on other purchases; also earn 5 Ultimate Rewards points per dollar on Lyft purchases

Bonus Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Annual Fee: $95

Benefits and Drawbacks: The Chase Sapphire Preferred® Card starts you out with 60,000 bonus points when you spend $4,000 on your card within three months of account opening, and you can turn those points into $750 in travel through the Chase portal or potentially more travel with Chase Ultimate Rewards transfer partners.

You can also cash in your rewards for gift cards or statement credits at a rate of one cent per point, making the bonus on this card worth $600 in rewards if you go that route. Other redemption options include merchandise through retailers like Apple and Amazon.com, where you can use your points to shop directly for the items you want.

The major drawback of this card is the $95 annual fee, and the fact that you won’t get travel perks like you do with the more expensive Reserve version. However, this card does still offer some travel benefits like trip delay and cancellation coverage, lost and delayed baggage insurance and car rental insurance.

You can read our full Chase Sapphire Preferred Credit Card review here.


Chase Sapphire Reserve®

The offers the ability to Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. These points can be worth more if you transfer them to airline and hotel partners.

Rewards: Earn 3 Ultimate Rewards points per dollar spent on travel and dining and 1 Ultimate Rewards point per dollar on all other purchases, as well as 10 points per dollar on Lyft purchases

Welcome Offer: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Annual Fee: $550

Benefits and Drawbacks: While the Chase Sapphire Reserve® does charge a $550 annual fee, you receive a ton of valuable perks including airport lounge access, a $300 annual travel credit, and a credit up to $100 for TSA PreCheck or Global Entry. You also get a DashPass membership that includes free delivery with DoorDash on orders of $12 or more, and you get $120 in DoorDash credits—$60 in 2020 and $60 in 2021.

This bonus is worth a minimum of $750 when you redeem your points for travel, but you could get more value our of your rewards if you transfer them to Chase’s travel partners like Southwest, United MileagePlus, Marriott Bonvoy and World of Hyatt. You can cash in points for gift cards, merchandise or statement credits at a rate of one cent per point, making the bonus worth $500 for these options.

As a final thought for this card, we like the fact you earn 3 Ultimate Rewards points per dollar on travel and dining in addition to 1 Ultimate Rewards point on other purchases. This rewards rate bonus can help you rack up points fast, and there are no limits on the bonus points you can earn.

You can read our full Chase Sapphire Reserve Review here.


Delta SkyMiles® Gold American Express Card

The lets you earn 35,000 bonus miles when you spend $1,000 on your card within three months of account opening, which is the best Delta welcome bonus considering this card doesn’t have an annual fee the first year.

Rewards: Earn 2 SkyMiles per dollar spent on eligible Delta purchases, dining, and U.S. supermarket purchases and 1 SkyMile per dollar on other purchases

Bonus Offer: Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Annual Fee: $0 introductory annual fee for the first year, then $99.

Benefits and Drawbacks: The Delta SkyMiles® Gold American Express Card lets you earn 35,000 SkyMiles when you spend $1,000 on your card within three months of account opening, but you’ll also have the chance to earn miles quickly since you get double miles on Delta purchases, dining, and U.S. supermarket purchases. Also note that you’ll get Main Cabin 1 priority boarding, a free checked bag when you fly Delta and 20% back on in-flight purchases made with your card.

This card doesn’t charge an annual fee the first year, so you can earn this bonus and start earning miles to use later without an initial financial commitment. You can also earn a $100 Delta flight credit when you spend at least $1,000 on your card within a calendar year.

You can read our full Delta SkyMiles® Gold American Express Card Review here.


Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® *

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® lets you Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening. This is enough miles for a round-trip flight to Europe during off-season or for two round-trip domestic MileSAAver awards.

Rewards: Earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, dining, and gas and 1 AAdvantage mile per dollar on all other purchases

Bonus Offer: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening

Annual Fee: $99, waived for first 12 months

Benefits and Drawbacks: While you won’t earn a ton of miles on regular spending with this card, you do get double rewards on American Airlines purchases, gas and dining. The 50,000 bonus miles on this card are easy to earn, however, considering you only have to spend $2,500 on your card within three months of account opening to qualify.

This card is ideal for American flyers because you get a free checked bag for you and up to four companions on your domestic itinerary when you fly with the airline. You also get preferred boarding and 25% off select in-flight purchases when you pay with your credit card. The fact there’s no annual fee the first year is also a good reason to sign up.


The Platinum Card® from American Express

The lets you Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months. Membership Rewards can be worth two cents each utilizing airline transfer partners, so this bonus can easily be worth $1,200 if used strategically.

Rewards: Earn 5 Membership Rewards points per dollar spent on airfare booked directly with airlines and airfare or hotels booked through AmexTravel.com; also earn 1 Membership Rewards point per dollar on all other purchases.

Welcome Bonus: Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months.

Annual Fee: $550

Benefits and Drawbacks: The Platinum® Card from American Express has a $550 annual fee, but you’ll get an array of travel perks including up to $200 in Uber credits each year, automatic Hilton and Marriott Gold status, a fee credit for Global Entry or TSA PreCheck and no foreign transaction fees.

You can also earn a sizable bonus of 60,000 Membership Rewards® Points when you spend $5,000 on your card within three months of account opening. Like Chase Ultimate Rewards, American Express Membership Rewards points can be used for merchandise or gift cards, but you can also use them to book travel through AmexTravel.com or for transfers to Amex airline and hotel partners like Delta SkyMiles and Hilton Honors.


Hilton Honors Aspire Card from American Express

The Hilton Aspire Credit Card from American Express offers an exceptionally rewarding welcome bonus and a high rate of rewards on Hilton hotel stays. You’ll also score several cardholder benefits that are unusual for a hotel credit card.

Rewards: Earn 14 Hilton Honors points per dollar spent on Hilton purchases, 7 Hilton Honors points per dollar on flights booked with airlines or AmexTravel.com, car rentals booked with select rental companies, and dining in the U.S., and 3 Hilton Honors points per dollar on all other purchases.

Welcome Bonus: Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership

Annual Fee: $450

Benefits and Drawbacks: The Hilton Aspire from American Express gives cardholders automatic Hilton Diamond status, a free weekend night each year, airport lounge access, a $250 airline fee credit, a $250 resort credit good at select Hilton resorts and no foreign transaction fees. The Aspire is the only hotel credit card that comes with automatic top-tier status.

This card does have a hefty $450 annual fee, but you can more easily justify the fee if you take advantage of all the travel perks you get in return. You’ll also benefit from a high rate of rewards on Hilton hotel stays, flights, rental cars and dining, which can help your points balance add up fast. Earning 150,000 points when you spend $4,000 on your card within three months of account opening can also help you get started in the Hilton Honors program with enough points for several free nights.


Wells Fargo Propel American Express® Card *

The Wells Fargo Propel American Express® Card lets you earn 3 Go Far rewards points in popular categories as well as a $200 bonus when you spend $1,000 on your card within three months of account opening. This card also comes with no annual fee.

Rewards: Earn 3 Go Far Rewards points per dollar spent on dining, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services plus 1 Go Far Rewards point per dollar on other purchases.

Bonus Offer: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value

Annual Fee: $0

Benefits and Drawbacks: The Wells Fargo Propel American Express® Card offers a generous welcome bonus of 20,000 points, and all you have to do is spend $1,000 on your card within three months to earn it. You’ll also earn 3 points per dollar spent in a ton of popular categories, including on dining, all sorts of travel and select streaming services like Netflix and Hulu. Wells Fargo Go Far rewards points are typically worth 1 cent each, depending on how they’re used.

This card also offers an introductory 0% APR period on purchases and balance transfers for 12 months, followed by a variable APR (14.49%-24.99%) based on your creditworthiness. This makes this card a good option if you want to consolidate debt at 0% APR for a limited time, or if you want to pay down a large purchase made with your card over a year with no interest. Just remember that you won’t earn rewards on balance transfers, and that a 3% balance transfer fee applies (minimum $5) if you take advantage of this perk.


Chase Freedom Unlimited®

The lets you earn a $200 bonus right away, and all you have to do is spend $500 on your card within three months to qualify. You’ll also earn 1.5% back on all your purchases with no annual fee.

Rewards: Earn a flat 1.5% back on all purchases

Bonus Offer: Earn $200 when you spend $500 on your card within three months of account opening

Annual Fee: $0

Benefits and Drawbacks: The bonus is easiest to earn because you only have to spend $500 on your card within three months to earn $200 in bonus cash. While some spending thresholds can be difficult to meet, most people can spend $500 on their credit card within three months just by using to pay bills and buy groceries.

This card also comes with 15 months of 0% APR on purchases, followed by a variable APR (14.99%-23.74%) based on your creditworthiness.

Points can be redeemed for travel through Chase, cash back, statement credits, merchandise, and gift cards. You can also cash in your rewards for merchandise with select retailers like Apple and Amazon.com directly. When paired with a premium Chase card like the , or Ink Business Preferred℠ Credit Card*, points earned from the Freedom Unlimited are worth even more for redemptions though the Chase Travel portal and can be transferred to Chase’s airline and hotel partners.


Ink Business Preferred℠ Credit Card *

The Ink Business Preferred® Credit Card is currently offering the ability to Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. This bonus is worth $1,000 in cash back or gift cards or $1,250 in travel through the Chase portal.

Rewards: Earn 3 Ultimate Rewards points per dollar spent on up to $150,000 in travel, shipping, internet, cable, and phone, and select online advertising purchases each year (then 1 point per dollar), plus 1 Ultimate Rewards point per dollar on all other purchases.

Bonus Offer: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Annual Fee: $95

Benefits and Drawbacks: The regular bonus on this card has been 80,000 points for years, so we are happy to see a much higher 100,000 bonus points available to new cardholders. However, you should be aware that you’ll have to spend $15,000 on your card within three months to qualify. This is a fairly high spending threshold that not all business owners can meet.

If you can meet that spending requirement, however, you’ll love this card’s rewards program. Chase Ultimate Rewards lets you use points for travel through the Chase portal or for 1:1 transfers to airline and hotel partners. You’ll also be able to use your rewards for statement credits, cash back, merchandise, gift cards, and a handful of other options.

This card’s $95 annual fee is very reasonable for a card with a bonus this large, and note that the bonus categories could make sense with your business spending and help you earn rewards significantly faster.


Venture® Rewards from Capital One® *

The Capital One® Venture® Rewards Credit Card lets you Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening. There’s no annual fee the first year, so you can try out the benefits before you commit for the long-term.

Rewards: Earn 2 Venture miles for each dollar you spend

Bonus Offer: Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening

Annual Fee: $95

Benefits and Drawbacks: The Capital One® Venture® Rewards Credit Card lets you earn 2 Venture miles per dollar spent and 50,000 miles when you spend $3,000 on your card within three months of account opening. This means that, once you hit the spending threshold to earn the bonus, you’ll have a minimum of 56,000 Venture miles worth $560 in travel to redeem for any travel purchases posted to your account within the last 90 days. You can also transfer your miles to over 15 airline and hotel partners with this card, but the transfer ratios aren’t that great.

As a bonus, this card comes with 24/7 travel and emergency assistance services and a credit for Global Entry or TSA PreCheck.


How to Pick the Best Credit Card Sign-Up Bonus

The welcome bonuses we highlighted above are the best ones available right now, but you can’t earn them all—and especially not all at once. These tips can help you figure out which signup bonus to pursue right away.

  • Compare cards in terms of their minimum spending requirements. You should figure out how much you normally spend on plastic each month before you sign up for a card in order to earn a welcome bonus. Where some cards require you to spend thousands of dollars to earn their bonuses within three months, others have much lower thresholds to meet. You’ll want to make sure you can earn a bonus through regular, organic spending or the effort won’t be worth it. After all, you don’t want to be stuck in a position where you have to buy stuff you don’t need to earn a welcome bonus.
  • Figure out the type of rewards you want to earn. Also compare cards in terms of their rewards programs. Do you want to earn rewards for travel or cash-back and gift cards? Some flexible rewards credit cards let you earn points that can be redeemed for several options, so make sure to check.
  • Look at annual fees. Also see how cards stack up in terms of their annual fees. Cards with higher fees tend to have a lot of perks that make the annual fee worth it, but you’ll need to think over the benefits and how you could potentially use them. If in doubt, consider rewards credit cards with a low annual fee or no annual fee.
  • Decide whether you want a personal card or a business credit card. Finally, decide whether you want a personal credit card or a business credit card that earns cash back or travel rewards. You can also pick up both types of cards for their welcome bonuses, but you’ll want to stagger them so you’re not stuck meeting multiple minimum spending requirements at once.

To view rates and fees of the Platinum® Card from American Express, please visit

To view rates and fees of the Delta SkyMiles® Gold American Express Credit Card, please visit .


Other Credit Cards to be Considered

Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership
20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
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