Best Credit Card Sign-Up Bonuses in March 2026: Earn $200-$1,000 or More, Fast
Key takeaways
- The Discover it® Cash Back, which offers an unlimited Cashback Match for new cardmembers. Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- The American Express Platinum Card® has a welcome offer of As high as 175,000 points (around $3,500*). You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The Business Platinum Card® from American Express lets you earn 200,000 points (worth around $4,000*). Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Best cash back credit card sign-up bonuses
- Discover it® Cash Back
- Blue Cash Preferred® Card from American Express*
- Chase Freedom Unlimited®
- Capital One Savor Cash Rewards Credit Card
- Wells Fargo Active Cash® Card
Best mid-tier travel credit card sign-up bonuses
- American Express® Gold Card
- Capital One Venture Rewards Credit Card
- Chase Sapphire Preferred® Card
- Citi Strata Premier® Card
Best premium travel credit card sign-up bonuses
Best airline credit card sign-up bonuses
- Southwest Rapid Rewards® Premier Credit Card
- Delta SkyMiles® Gold American Express Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- The New United℠ Explorer Card
Best hotel credit card sign-up bonuses
- Marriott Bonvoy Boundless® Credit Card
- Hilton Honors American Express Surpass® Card
- World of Hyatt Credit Card
- IHG One Rewards Premier Credit Card
Best business credit card sign-up bonuses
Best cash back credit cards
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee | |
|---|---|---|---|---|---|
Discover it® Cash Back*
|
Cashback Match
Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
| $0 | $340 | ||
Blue Cash Preferred® Card from American Express*
|
As High As $300 statement credit
You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
| $0 intro annual fee for the first year, then $95. | $250 | ||
Chase Freedom Unlimited®*
|
$200 cash back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
| $0 | $200 | ||
Capital One Savor Cash Rewards Credit Card*
|
$200 Cash Back
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
| $0 | $200 | ||
Wells Fargo Active Cash® Card*
|
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| $0 | $200 |
Best mid-tier travel credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
American Express® Gold Card*
|
As high as 100,000 points
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| $325 | $1,655 | ||
Capital One Venture Rewards Credit Card*
|
1,000 dollars
Earn up to $1,000 towards travel once you spend $4,000 on purchases within the first 3 months of account opening
| $95 | $1,505 | ||
Chase Sapphire Preferred® Card*
|
75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| $95 | $1,405 | ||
Citi Strata Premier® Card*
|
60,000 points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
| $95 | $985 |
Best premium travel credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
American Express Platinum Card®*
|
As high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| $895 | $2,605 | ||
Chase Sapphire Reserve®*
|
125,000 points
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
| $795 | $1,705 | ||
Capital One Venture X Rewards Credit Card*
|
75,000 miles
Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
| $395 | $955 |
Best airline credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Delta SkyMiles® Gold American Express Card*
|
70,000 miles
Earn 70,000 Bonus Miles after you spend $3,000 in purchases with your new Card, and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card, both within your first 6 months. Ends 04/01/2026.
| $0 introductory annual fee for the first year, then $150. | $990 | ||
Southwest Rapid Rewards® Premier Credit Card*
|
85,000 points
Earn 85,000 bonus points after you spend $3,000 in the first 3 months from account opening.
| $149 | $871 | ||
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®*
|
50,000 miles
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.
| $99, waived for first 12 months | $600 | ||
The New United℠ Explorer Card*
|
60,000 miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
| $0 intro annual fee for the first year, then $150 | $510 |
Best hotel credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Marriott Bonvoy Boundless® Credit Card*
|
3 Free Night Awards
Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
| $95 | $1,255 | ||
Hilton Honors American Express Surpass® Card*
|
130,000 points
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
| $150 | $1,250 | ||
World of Hyatt Credit Card*
|
30,000 points
Earn 30,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, earn 2 bonus points per dollar in the first 6 months on purchases that normally earn 1 bonus point, on up to $15,000 spent.
| $95 | $805 | ||
IHG One Rewards Premier Credit Card*
|
140,000 Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
| $99 | $601 |
Best business credit card sign-up bonuses
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Estimated value minus annual fee* | |
|---|---|---|---|---|---|
Sapphire Reserve for Business℠*
|
N/A | 200,000 points
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
| $795 | $3,205 | |
The Business Platinum Card® from American Express*
|
200,000 points
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
| $895 | $3,105 | ||
Capital One Venture X Business*
|
150,000 miles
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
| $395 | $2,305 | ||
Ink Business Preferred® Credit Card*
|
100,000 points
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| $95 | $1,905 | ||
Capital One Spark Cash Plus*
|
$2,000 cash back
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
| $150 | $1,850 |
Issuer restrictions
Every major credit card issuer has its own mix of written policies and unwritten rules. Knowing them can help you avoid surprise denials and protect your credit score from unnecessary dings.
- Most American Express welcome offers have “once per lifetime” language. A pop-up will appear before you apply to warn you.
- Also, the unofficial Amex 2/90 rule means that you cannot be approved for more than two American Express cards within 90 days. This doesn’t apply to cards that need to be paid in full.
The unofficial 2/3/4 rule limits Bank of America cardholders to two cards per two-month period, three cards in a 12-month period and four cards in a 24-month period. It seems that non-Bank of America and business cards aren’t counted in this rule. Some forum posters suggest that higher level Preferred Rewards members may be exempt from this rule.
Capital One has a reputation for pulling your report from all three credit bureaus, so be sure to unfreeze all your credit reports to give you the best chance at getting a new card.
You may be denied if you have more than five new credit cards within the last 24 months according to the unofficial Chase 5/24 rule. It’s uncertain whether this includes Chase’s targeted “just for you” offers.
Citi’s unofficial 8/65 rule allows one personal approval every eight days, and no more than two every 65 days. You may also be automatically declined if you’ve had a hard credit pull within the last five days.
Current cardholders may not be eligible for a sign-up bonus if they’ve had the same product within the last 48 months, even if the account was closed.
Methodology: How we chose the best sign-up bonus credit cards
We take a comprehensive, data-driven approach to identify the best credit card bonuses. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
- First, we calculated average values for points and miles for each rewards program.
- Then, we multiplied the number of bonus points or miles by their average value.
- Finally, we subtracted the card’s annual fee from that total to get the actual value of the sign-up bonus.
Other contributing factors include the spend amount required to earn the bonus, the card’s ongoing rewards and the variety of benefits offered, including travel perks and purchase protections.
Cash back credit cards
Discover it® Cash Back*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Cashback Match for the first year for new cardmembers (worth around $340, depending on your spend*)
Value per $1 spent: $0.02 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Potentially very high welcome offer
- Elevated earning rate on rotating bonus categories
- Intro APR on purchases and balance transfers
- $0 annual fee
- You have to spend a lot to get the most out of welcome offer
- Bonus categories require activation
- Spending cap on higher cash back rate
You can potentially earn a large amount of cash back with the Discover it® Cash Back‘s cash match offer, depending on how much you spend. On the downside, you’ll have to spend heavily to get a good return on it, and you won’t get the welcome offer until after a year of card ownership.
Who it’s best for: Someone who doesn’t mind enrolling in quarterly categories and will use the welcome offer to its full potential.
Eligibility flags: You may be ineligible for a welcome offer if you previously owned the card.
When offer posts: Once you’ve reached 12 consecutive billing periods (or 365 days, whichever is longer) to earn the offer, the match is automatically added to your account within two billing periods.
Best use tip: Plan your spending around the quarterly bonus categories to maximize the cash back that you earn at the end of year.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Why it’s in my wallet
– Charlotte Zhang, writer at LendingTree
Blue Cash Preferred® Card from American Express*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: As High As $300 statement credit
Value per $1 spent: $0.08 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- One of the most rewarding cards for U.S. supermarkets and other everyday purchases
- Monthly credit for select streaming subscriptions (subject to auto-renewal)
- Intro APR on purchases and balance transfers
- Annual fee ($0 intro annual fee for the first year, then $95.)
- Spending cap on highest earning rate
- Foreign transaction fees
A top card for U.S. everyday purchases, the Blue Cash Preferred® Card from American Express offers a long window to earn the welcome offer and some of the highest cash back* rates on U.S. supermarket purchases, plus a good intro APR on purchases.
Who it’s best for: People who want a go-to card for shopping at U.S. supermarkets and those who want a single card for everyday purchases, like gas and groceries.
Eligibility flags: You may be ineligible for this welcome offer if you’ve had this card or previous version of it, or you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Within eight to 12 weeks after you meet the spending threshold.
Best use tip: Pair this card with the Blue Cash Everyday® Card from American Express to continue earning a high rate of cash back* at U.S. supermarkets after you’ve hit the $6,000 cap.
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Chase Freedom Unlimited®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $200 cash back
Value per $1 spent: $0.40 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Generous sign-up bonus with low spending threshold
- Elevated rewards on a variety of categories like dining and drugstores
- High rewards rate on general purchases
- $0 annual fee
- Earns valuable, flexible points
- Good travel and purchase protections
- Cards with higher flat-rate rewards are available
- Charges a foreign transaction fee
The Chase Freedom Unlimited® credit card is great in that it offers a solid rewards rate and consumer protections for a $0 annual fee.
Who it’s best for: Someone who wants simple rewards plus travel and purchase protections, or needs a good card to pair with other Chase Ultimate Rewards® cards.
Eligibility flags: Cannot have received a cardmember bonus for this card within the last 24 months. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Generally available the next billing cycle, but may take an additional billing cycle for points earned at the end of the billing cycle.
Best use tip: Pair this card with a premium Ultimate Rewards card like the Chase Sapphire Preferred® Card and pool your rewards to maximize their value on travel redemptions.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Capital One Savor Cash Rewards Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $200 Cash Back
Value per $1 spent: $0.40 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Low spend to earn sign-up bonus
- One of the most rewarding cards for food and entertainment purchases
- $0 annual fee
- Intro APR on purchases and balance transfers
- No foreign transaction fee
- Superstores like Walmart and Target are excluded from grocery store cash back rate
The Capital One Savor Cash Rewards Credit Card offers an attractive sign-up bonus with a low spending threshold and is great for those who spend heavily on dining, entertainment and travel.
Who it’s best for: Anyone who spends heavily on entertainment, dining out and travel.
Eligibility flags: Make sure your credit reports are all unfrozen before applying.
When offer posts: Usually within 10 days of earning the rewards, but could take up to two statement cycles.
Best use tip: Pair this with a flat-rate cash back card to earn higher rewards in categories that don’t qualify for elevated rewards.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Wells Fargo Active Cash® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn $200 cash rewards
Value per $1 spent: $0.40 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Earn unlimited 2% cash rewards on purchases.
- Intro APR on purchases and qualifying balance transfers
- $0 annual fee
- Up to $600 cell phone protection (subject to $25 deductible)
- Foreign transaction fees
- Light on additional benefits
The generous welcome offer makes the Wells Fargo Active Cash® Card one of the best cards for earning 2% cash rewards on purchases.
Who it’s best for: Anyone who wants a high flat-rate cash rewards card without any extra effort.
Eligibility flags: You may not be eligible for this card if you’ve opened a Wells Fargo consumer card in the past six months. The introductory APRs or welcome offer may not apply if you have had the card within the last 48 months from the date of this application.
When offer posts: Bonus rewards will post within one to two billing cycles after they are earned.
Best use tip: Use the welcome offer along with the card’s lengthy intro APR on new purchases to finance a large purchase.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Why it’s in my wallet
– Will Collicott, web content coordinator at LendingTree
Mid-tier travel cards
American Express® Gold Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn As high as 100,000 points (worth around $2,000*)
Value per $1 spent: $0.33 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Generous welcome offer
- Transfer points 1:1 to 20 airline and hotel partners
- High earning rate on food purchases
- More than $400 worth of credits
- No foreign transaction fees
- Can’t carry a balance for most purchases
- High $325 annual fee
- Lacks lounge access and other travel perks
- Statement credits may be hard to use
The American Express® Gold Card is a great travel card since it earns Amex Membership Rewards® points at a fast pace and the various statement credits help offset the annual fee.
Who it’s best for: Travelers who dine out frequently and can make the most of the statement credits.
Eligibility flags: You may not be eligible to receive a welcome offer if you’ve had this card or certain other American Express cards previously or based on other factors. You also may be denied if you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Points will be credited to your account within eight to 12 weeks of meeting the spending threshold.
Best use tip: Transferring points to airline partners like KLM and Air France FlyingBlue will get the most for your miles. For example, you could book two roundtrip tickets from Houston to Paris on Air France for as little as 50,000 miles a pop with this offer*.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Why it’s in my wallet
– Tracy Brackman, senior credit cards editor at LendingTree
Capital One Venture Rewards Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 75,000 bonus miles and a $250 credit for Capital One’s travel portal (worth around $1,600*)
Value per $1 spent: $0.34 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- High rewards rate on hotels, vacation rentals and rental cars booked through Capital One’s travel portal
- Flexible redemption options
- TSA PreCheck® or Global Entry credit
- Foreign transaction fee: None
- Transfer miles to 20+ travel partners
- $95 annual fee
- No bonus reward categories
- Travel partners are mostly international airlines
The Capital One Venture Rewards Credit Card offers a huge number of flexible miles that you can transfer to more than 20 travel loyalty programs in return for a reasonable amount of spending.
Who it’s best for: Travelers who go abroad and fly international carriers
Eligibility flags: Current cardholders or previous cardholders are not eligible if they have received a new card member bonus for this product within the past 48 months.
When offer posts: Rewards are typically visible online within 10 days but may take up to two statement cycles to be posted to your account.
Best use tip: Transfer miles to Aeroplan, Avianca LifeMiles or Miles & Smiles to book flights with their Star Alliance partners. For example, you can transfer miles to Avianca and book a one-way flight on United from San Francisco to Honolulu for as little as 15,000 LifeMiles*.
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Why it’s in my wallet
– Isabella Kok, credit cards writer at LendingTree
Chase Sapphire Preferred® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 75,000 points (worth around $1,500*)
Value per $1 spent: $0.30 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Elevated rewards on travel, dining and online grocery purchases
- Transfer points 1:1 to 10+ travel partners
- Get up to a 75% bonus on select travel portal redemptions
- Great travel protections
- $0 foreign transaction fees
- $95 annual fee
- Requires excellent credit
- No airport lounge access
The Chase Sapphire Preferred® Card offers one of the best sign-up bonuses you can find for a mid-range card because its points are so valuable and flexible. You’ll also get great ongoing rewards on travel and dining and strong travel protections like primary rental car insurance.
Who it’s best for: Savvy travelers who enjoy finding the best redemption options.
Eligibility flags: The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards, previously held this card or received a new cardmember bonus for this card. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Six to eight weeks after qualifying for the bonus.
Best use tip: Hyatt is one of Chase’s most valuable travel partners. You can use this bonus for a five-night stay in a standard room at a higher-end Hyatt property like The Seabird Ocean Resort & Spa.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Why it’s in my wallet
– Kristen Grau, credit cards writer at LendingTree
Citi Strata Premier® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 60,000 points (worth around $1,080*)
Value per $1 spent: $0.27 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Elevated rewards on travel and everyday categories like gas and groceries
- Transfer points to 10+ travel partners
- $100 annual hotel credit
- 0% foreign transaction fees
- $95 annual fee
- Only one U.S. airline transfer partner (JetBlue)
- No intro APR on purchases or balance transfers
With the Citi Strata Premier® Card you can earn a pile of Citi ThankYou® Points and enjoy top-tier rewards, partner transfer options and an annual $100 off a single hotel stay of $500 or more through the Citi travel portal (excluding taxes and fees).
Who it’s best for: Occasional travelers who want a low-cost travel credit card.
Eligibility flags: This offer is only valid on new accounts. Citi may also deny you if you’ve been approved for another personal card in the past eight days or two personal cards in the past 65 days.
When offer posts: Bonus points may take up to three billing cycles to post.
Best use tip: Transfer your points to a Citi travel partner like American Airlines AAdvantage®. You could score a roundtrip flight from Chicago to London on American Airlines for as little as 54,000 miles*.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Premium travel credit cards
American Express Platinum Card®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: As high as 175,000 points (worth around $3,500*)
Value per $1 spent: $0.44 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Generous welcome offer
- High rewards rate for travel
- Transfer points 1:1 to 20 travel partners
- More than $2,000 worth of annual credits
- Access to over 1,550 airport lounges — more than any other card company on the market*
- $895 annual fee
- Low rewards earning rate outside of travel purchases
- International acceptance may be limited
- Some credits can be hard to maximize
The American Express Platinum Card® is a luxury travel card with unmatched lounge access and over $2,000 in annual statement credits that can easily outweigh its hefty fee.
Who it’s best for: Frequent, high-end travelers who value top-tier lounge access and can use the many travel and lifestyle credits to offset the steep annual fee.
Eligibility flags: You may be ineligible for the welcome offer if you have or have previously had this card or a similar one from the issuer, or you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Points will be credited to your Membership Rewards® account within eight to 12 weeks of meeting the spending threshold.
Best use tip: Get the best return on your points by transferring them to airline loyalty program partners. For example, you could score a couple Business class seats to Madrid on KLM for as little as 60,000 miles each*.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Chase Sapphire Reserve®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 125,000 points (worth $2,500*)
Value per $1 spent: $0.42 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Generous sign-up bonus
- High earning rate on travel and dining
- Earns valuable, flexible points that transfer to 10+ loyalty programs
- Over $1,200 in annual travel credits
- Over $1,500 in annual lifestyle credits
- Top-notch travel insurance
- IHG One Rewards Platinum Elite status
- Very high $795 annual fee
- $195 authorized user fee
- Statement credits may be challenging to use for some
The Chase Sapphire Reserve® provides premium travel protections, rich rewards on travel and dining and thousands of dollars in flexible credits that can easily outweigh its high annual fee if you use them.
Who it’s best for: It’s ideal for high-earning, frequent travelers with excellent credit who are willing to actively use the travel, dining and lifestyle perks to squeeze maximum value from the card.
Eligibility flags: Unavailable to current cardholders or those who have other personal Sapphire cards open or have previously received a bonus for this card. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow six to eight weeks for bonus points to post to your account.
Best use tip: Transferring points to Chase’s travel partners will generally be your best bet. You can grab a comfy seat in Business Class on Air India for a trip from New York to Singapore for as little as 65,000 Aeroplan points*.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Capital One Venture X Rewards Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 75,000 miles (worth $1,350*)
Value per $1 spent: $0.18 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- $300 annual travel credit mostly offsets the annual fee
- High rewards rate on travel
- Priority PassTM lounge access
- 10,000 bonus miles every account anniversary
- Transfer miles to 20+ loyalty programs
- $395 annual fee
- No major U.S. airline travel partners
- Must use travel portal for travel credit and benefits
- No automatic hotel status
- Starting Feb. 1, you’ll have to pay $125 fee for authorized users to get lounge access
The Capital One Venture X Rewards Credit Card is a top-tier travel card offering standout rewards on both travel and everyday purchases, outperforming competitors while charging a lower annual fee.
Who it’s best for: A frequent traveler who wants strong perks, easy credits and premium lounge access and doesn’t mind booking through a travel portal.
Eligibility flags: Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this card within the past 48 months.
When offer posts: Earned rewards are usually visible online within 10 days, but may take up to two statement cycles to post to your account.
Best use tip: Transfer miles to travel partners like Air Canada Aeroplan and Avianca Lifemiles to stretch this bonus farther. For instance, you could score a one-way flight from Seattle to Tokyo on Aeroplan for as little as 35,000 points*.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Airline credit cards
Southwest Rapid Rewards® Premier Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 85,000 points (worth around $1,020*)
Value per $1 spent: $0.34 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Ability to earn Companion Pass
- No cap on rewards
- Anniversary bonus points
- Easy-to-redeem rewards
- Earn unlimited TQPs (Tier Qualifying Points) to get to A-List status fast
- Annual fee
- Limited international flights
- No point transfers
- No premium benefits
The Southwest Rapid Rewards® Premier Credit Card is a solid mid-tier pick for Southwest fans who want easy-to-use points, a strong sign-up bonus and a real shot at the Companion Pass without paying for premium perks.
Who it’s best for: Occasional Southwest travelers who value simple redemptions, want to fast-track A-List status or the Companion Pass, and don’t mind a modest annual fee.
Eligibility flags: Current cardmembers of any Southwest Rapid Rewards® credit card or previous card members who received a bonus within the last 24 months. This doesn’t apply to business and employee credit cards. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Bonus points usually post within eight weeks.
Best use tip: Use your points to earn the Southwest Companion Pass, which lets a companion fly with you for just taxes and fees. Aim to qualify as early in the year as possible since it’s good for the remainder of the current year and the following one.
- Earn 85,000 bonus points after you spend $3,000 in the first 3 months from account opening.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Complimentary or Standard or Preferred seat within 48 hours prior to departure, when available
- No foreign transaction fees.
Delta SkyMiles® Gold American Express Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 70,000 miles (worth around $990*)
Value per $1 spent: $0.28 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Earn elevated rewards on Delta purchases, at restaurants and at U.S. supermarkets
- $200 Delta Flight Credit after $10,000 spend on your card in a calendar year
- Up to a $100 annual Delta Stays credit
- Foreign transaction fees: None
- Annual fee
- No airport lounge access
- No intro APR offer
The Delta SkyMiles® Gold American Express Card is a solid entry-level airline card offering you the opportunity to earn a large welcome offer, priority boarding, a free checked bag on Delta flights and an affordable annual fee.
Who it’s best for: Casual Delta flyers who want simple, money-saving perks like a free checked bag, priority boarding and a couple of easy travel credits
Eligibility flags: You may not be eligible to receive a welcome offer if you have or have had this card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these cards. Additional factors, including credit history and history with American Express, may also be considered. You also may be denied if you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Miles will be credited to your account eight to 12 weeks after you meet the spending threshold.
Best use tip: Take advantage of SkyMiles Award Deals to stretch your miles farther. For instance, Delta recently offered roundtrip flights from Dallas to Orlando for some dates in January for just 12,200 miles*. You could cover a trip for four to Disney World with this offer.
- Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Why it’s in my wallet
– Tracy Brackman, senior credit cards editor at LendingTree
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 50,000 miles (worth around $600*)
Value per $1 spent: $0.24 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Elevated rewards on eligible American Airlines flights, gas and restaurants
- First checked bag free on domestic AA flights
- Earn a $125 flight discount based on annual spending
- 0% foreign transaction fees
- Annual fee ($99, waived for first 12 months)
- No travel or purchase protections
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a strong pick for American Airlines loyalists, featuring a valuable miles bonus, first-year fee waiver, solid travel perks like a free checked bag and a path to a valuable flight credit.
Eligibility flags: The new account bonus is not available if you have received a new account bonus for a Citi® / AAdvantage® Platinum Select® World Elite Mastercard® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi® / AAdvantage® Platinum Select® World Elite Mastercard® account. Citi may also deny you if you’ve been approved for another personal card in the past eight days or two personal cards in the past 65 days.
Who it’s best for: Loyal American Airlines travelers who want steady mileage earning on everyday purchases, perks like a free checked bag and preferred boarding and flies often enough to make the annual fee worth it.
When offer posts: Miles typically post to your AAdvantage account eight to 10 weeks after you meet the purchase requirements.
Best use tip: You can often pick up cheap trips to Europe during off-peak travel times with American-operated flights. It’s possible to find trips for under 20,000 miles each way when you travel during slower travel months. For example, you can fly from San Diego to London in January 2026 is just 17,550 miles plus $5.60 tax each way*.
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
- No Foreign Transaction Fees.
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
- Enjoy preferred boarding on American Airlines flights.
The New United℠ Explorer Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 60,000 miles (worth around $660*)
Value per $1 spent: $0.22 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Bonus miles on dining, hotels and United Airlines purchases
- Free checked bag on United Airlines
- Up to a $120 credit for Global Entry, TSA PreCheck® or NEXUS application fee every four years
- Two one-time United Club passes each cardmember anniversary
- $0 foreign transaction fees
- Annual fee: $0 intro annual fee for the first year, then $150
- Rewards limited to United Airlines
A well-rounded airline card, The New United℠ Explorer Card offers generous travel perks like a free checked bag and lounge passes plus a credit for expedited airport security programs.
Who it’s best for: Frequent United flyers, value-focused family travelers and occasional travelers who want perks without a premium fee.
Eligibility flags: This card is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow six to eight weeks for bonus miles to post to your account after qualifying.
Best use tip: United offers good deals from the West Coast to Hawaii. You can book multiple tickets from Los Angeles to Honolulu for as little as 15,000 miles, depending on the date*.
- Earn 60,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
- Over $500 in partner credits each year
- Member FDIC
Hotel credit cards
Marriott Bonvoy Boundless® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 3 Free Night Awards (worth around $1,350*)
Value per $1 spent: $0.45 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Elevated rewards on every purchase
- Automatic Silver Elite status
- Annual free night award after renewal
- Foreign transaction fees: $0
- $95 annual fee
- Rewards are limited to eligible Marriott stays
Marriott Bonvoy Boundless® Credit Card cardholders can earn 3 Free Night Awards Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening. plus ongoing elite perks and annual free nights for a modest $95 annual fee.
Who it’s best for: Travelers who stay at Marriott at least a few times a year and want easy-to-earn rewards without paying for a premium card.
Eligibility flags: The new cardmember bonus is not available if you have had certain Marriott or American Express cards within the past 30 days to 24 months. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow eight weeks for your bonus to post to your account after qualifying.
Best use tip: Try to time this bonus toward the end of the three-month intro period so you can combine it with your annual free night award before it expires. You can combine these certificates to book a four-night stay at top-end resorts like The Westin Lagunamar Ocean Resort Villas & Spa, Cancun for less than 50,000 points per night, depending on the room and date*.
- Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X points for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No foreign transaction fees.
World of Hyatt Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 30,000 points (worth around $900*)
Value per $1 spent: $0.05 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Hyatt points are some of the most valuable points around
- Annual free night award at a category 1-4 Hyatt hotel or resort
- Complimentary Discoverist status
- Foreign transaction fees: $0
- $95 annual fee
- Hyatt’s hotel network is smaller than that of other major chains
The World of Hyatt Credit Card comes with a generous sign-up bonus, valuable ongoing perks for loyal Hyatt guests and complimentary status.
Who it’s best for: Hyatt loyalists who want strong point value and easy-to-earn free nights without paying a steep annual fee.
Eligibility flags: The credit card is not available to either current cardmembers of this credit card, or previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: After qualifying, allow six to eight weeks for bonus points to post to your account.
Best use tip: Pair this bonus with your annual free night certificate to cover a longer vacation. For example, you could get up to seven nights at the Hyatt Regency Thessaloniki in Greece with the certificate included*.
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Points, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
IHG One Rewards Premier Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 140,000 Bonus Points (worth around $700*)
Value per $1 spent: $0.23 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- High earning rate on IHG stays
- Free anniversary night each year at IHG Hotels & Resorts
- Automatic Platinum Elite status
- Fourth night free on IHG® hotel award stays
- Up to $120 statement credit for Global Entry, TSA PreCheck® or NEXUS
- $99 annual fee
- IHG points not as valuable as other types of points
Cardholders of the IHG One Rewards Premier Credit Card can earn an enormous amount of bonus points, an annual free night and automatic Platinum Elite status for a modest $99 annual fee.
Who it’s best for: Frequent IHG guests who want elite status, a strong welcome offer and valuable free night that covers the card’s annual fee.
Eligibility flags: This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new card member bonus within the last 24 months. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow six to eight weeks for your bonus points to post after qualifying.
Best use tip: Book award nights in groups of four nights to get a fourth night free. For instance, you could book three nights at the Holiday Inn Resort Kandooma Maldives for as little as 45,000 points and get the fourth night free*.
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Hilton Honors American Express Surpass® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 130,000 points (worth around $1,400*)
Value per $1 spent: $0.26 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Generous points on Hilton, U.S. restaurants, U.S. supermarkets, U.S. gas stations and online purchases in the U.S.
- Complimentary Hilton Honors™ Gold status
- Up to $200 Hilton credit (up to $50 statement credits per quarter) on eligible purchases
- Free Night Reward for eligible stays after you spend $15,000 on eligible purchases in a calendar year
- Annual fee
- Free Night Reward requires spending to earn
- Hilton points not as valuable as other hotel points
The Hilton Honors American Express Surpass® Card comes with a generous welcome offer and strong hotel rewards with automatic Gold status make this a standout for Hilton loyalists.
Who it’s best for: Hilton Loyalists who can take advantage of the status and credits to make the most of the card’s perks.
Eligibility flags: You may not be eligible for a welcome offer if you’ve had this card or previous versions. Additional factors, including credit history and history with American Express, may be taken into consideration as well. You also may be denied if you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Your bonus points will be credited to your account eight to 12 weeks after meeting the threshold.
Best use tip: Save money and points by using your Hilton Honors points to book stays five nights at a time to get the fifth night free. Depending on the date, a family of four might stay at the Spark by Hilton Orlando for 30,000 points per night, or just 120,000 points for all five nights*.
- Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Terms and Limitations apply.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Pay It Plan It®: Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Points don’t expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Business credit cards
The Business Platinum Card® from American Express*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: Earn 200,000 points (worth around $4,000*)
Value per $1 spent: $0.20 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Great earning rate on travel and select business purchases
- Over $3,000 in statement credits (terms apply)
- Access to more airport lounges than any other card company on the market*
- Foreign transaction fees: None
- $895 annual fee
- High spend requirement to earn welcome offer
The Business Platinum Card® from American Express is a premium business card with large welcome offer potential, rich travel benefits and $3,000+ in annual credits (terms apply).
Who it’s best for: High-spending business owners who travel frequently and can leverage the premium perks to offset the cost.
Eligibility flags: You may not be eligible to receive a welcome offer if you have or have had this card or previous versions of this card. Additional factors, including credit history and history with American Express, may be taken into consideration as well. Amex may also deny you if you’ve opened another American Express card in the past 90 days. Amex’s pop-up tool should notify you if you’re ineligible before you submit your application.
When offer posts: Membership Rewards® points will post to your account eight to 12 weeks after you meet the spending threshold.
Best use tip: You can find good deals on transcontinental flights in Business Class seats. For example, Amex recently offered a flight on Avianca in Business Class from Boston to Madrid for just 62,000 LifeMiles, with a 15% transfer bonus from Amex factored in*.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Sapphire Reserve for Business℠*
Sign up bonus: Earn 200,000 points (worth around $4,000*)
Value per $1 spent: $0.13 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- High rewards rate for travel
- Offers lounge access
- $900+ in travel credits
- $1,000+ in other promos and credits
- Earns valuable, flexible points that transfer to 10+ loyalty programs
- Steep annual fee
- Some credits and promos may be difficult to take full advantage of
- Limited bonus categories
The Chase Sapphire Reserve for Business℠ is a top-tier business travel powerhouse that pairs massive travel rewards and lounge access with an equally massive annual fee that only pays off if you use its credits and earning structure aggressively.
Who it’s best for: Online business owners or those who spend heavily on travel and can make use of the numerous credits that offset the cost of card ownership.
Eligibility flags: Your account must be open and in good standing to be eligible for the sign-up bonus in order to receive rewards if you meet the spending requirements. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow six to eight weeks for points to post to your account after you qualify.
Best use tip: Using your miles with transfer partners typically offers the most bang for your buck. A current example is Virgin Atlantic flight from New York to London in February 2026 where a business class seat uses just 39,000 points. For comparison, the same ticket using Virgin Atlantic Flying Club points required 50,000 plus over $550 in taxes*.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Capital One Venture X Business*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 150,000 miles (worth around $2,700*)
Value per $1 spent: $0.04 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Unlimited 2X miles on purchases
- Miles transfer to 20+ airline and hotel partners
- Luxury travel perks including airport lounge access
- Up to $300 annual credit for bookings through Capital One Business Travel
- High annual fee
- Large spending requirement to earn sign-up bonus
- Must pay balance in full each month
The Capital One Venture X Business is a premium yet affordable business travel card offering a huge sign-up bonus, ability to earn unlimited miles, strong transfer partners and luxury travel perks at a below-average annual fee.
Who it’s best for: Business owners with high monthly spending who travel often, want lounge access and valuable transfer partners
Eligibility flags: The bonus may not be available for existing or previous Spark cardholders.
When offer posts: Credits typically post within one to two billing cycles.
Best use tip: You can get good deals flying comfortably in Business Class with Capital One’s travel partners. For instance, you could transfer to Aeroplan to fly Air Serbia to Stockholm for as little as 70,000 miles one-way in Business Class — you could cover multiple fares with your welcome offer.*
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Ink Business Preferred® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 100,000 points (worth around $2,000*)
Value per $1 spent: $0.25 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- High rewards rate on popular business categories
- Earns valuable, flexible points that transfer to 10+ loyalty programs
- Complimentary employee cards
- Foreign transaction fee: $0
- $95 annual fee
- Spending cap on higher rewards rate
A flexible business rewards powerhouse, the Ink Business Preferred® Credit Card lets you earn Chase Ultimate Rewards® points and offers lucrative 1:1 travel transfers.
Who it’s best for: Business owners who want easily transferable points and spend heavily in common business categories like shipping, travel, advertising and internet.
Eligibility flags: The offer may not be available if you’ve previously owned the card. Chase may also disqualify you if you’ve opened more than five cards in the past 24 months.
When offer posts: Allow six to eight weeks for your bonus points to post to your account after you meet the qualifications.
Best use tip: You can get good deals on Business Class flights with some Chase travel partners. For example, find Business Class fares from New York to Amsterdam on KLM for as little as 60,000 miles*.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Capital One Spark Cash Plus*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $2,000 cash back
Value per $1 spent: $0.7 The cash back value or the estimated value of a points/miles-based bonus divided by the spending requirement.
- Earn elevated cash back rewards on every purchase
- No preset spending limit
- Foreign transaction fee: None
- Refunds your annual fee each year you spend $150,000
- $150 annual fee
- High spend requirement to earn sign-up bonus
- Balance must be paid in full each month
The Capital One Spark Cash Plus is an exceptionally rewarding cash back card for high-spending businesses, offering a large amount in cash bonuses with large spend thresholds and a $150 annual fee refundable after $150,000 in purchases in the same year.
Who it’s best for: A high spending business owner who wants simple cash back rewards and can spend enough to unlock the welcome offer.
Eligibility flags: Existing or previous account holders may not be eligible for the sign-up bonus.
When offer posts: Rewards are usually visible online within 10 days but may take up to two statement cycles to post to your account.
Best use tip: Consider putting all your spending on this card in the first year. You’ll earn an additional $2,000 bonus for each $500,000 that you spend. You’ll also earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Business Travel on top of that.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
What is a credit card sign-up bonus?
A credit card sign-up bonus is a one-time reward for hitting a card’s spending requirements — think of it as a “welcome gift” for using the card. The key numbers to watch when evaluating a sign-up bonus are: how much you have to spend to get it, how many months you have to do it in and how big the bonus is.
Not all bonuses are equal. Some cards give you just three months to qualify, others give you six. Bigger bonuses usually demand more spending, more time or both. Sign-up bonuses are generally all-or-nothing — if you don’t meet the spending requirement on time, you won’t earn the bonus.
On top of that, many issuers now limit how often you can earn a bonus. If you earn a bonus and close the card, you may have to wait up to four years before you’re eligible to earn another bonus. With some cards, you may never be eligible to earn a bonus ever again.
How to calculate the value of a sign-up bonus
To determine point/mile value, you’ll first need to take the cash value of your target redemption option and divide it by the number of points or miles — be sure to subtract any taxes and fees that you have to pay in cash.
Point value = $ value of target redemption option (minus taxes/fees) ÷ number of points
Example: $500 plane ticket – $11.20 taxes ÷ 50,000 points = ~$0.01
Then, take the point value and multiply it by the number of points in the sign-up bonus. That will give you an approximate cash value for that card’s welcome offer.
Bonus value = $ value of points or miles x number of points or miles
Example: 80,000 miles x $0.01 (1 cent per point) = $800
Welcome offer timing tips
It’s tempting to chase every shiny new welcome offer, but applying for a bunch of cards at once can backfire. Many issuers have rules to discourage “credit card churning,” and breaking those rules can cost you future bonuses. Take the following steps:
1. Look at the history of a card's offer
Welcome offers on some cards frequently change, so if you’re opening a card mainly for the bonus, it’s smart to see what the card has offered in the past. If the current deal is lower than usual, it may be worth waiting until a higher offer comes back. This is especially important with issuers that have a once-in-a-lifetime offer policy, like American Express.
2. Consider rules specific to the card issuer
It’s helpful to know about policies that banks have around their card, like the American Express rule noted above.
3. Space out your credit card applications
You should be strategic about opening new cards to earn sign-up bonuses because each application will have an impact on your credit score. Opening one or two a year should help minimize the impact.
4. Open a new card a few weeks before a big purchase
Not only can a large purchase go a long way in meeting your spending threshold, you may be able to use the bonus to help pay for the purchase. However, not all credit cards have instant card numbers. Expect a physical card to arrive in seven to ten days.
5. Expect the bonus to post within two billing cycles
Some credit card bonuses are available to use within days of being earned. However that’s not always the case and could take up to two billing cycles.
How to choose the best credit card for a sign-up bonus
Choosing the right sign-up bonus credit card can feel overwhelming, but focusing on a few essentials makes the process much easier:
1. Make sure your credit score qualifies
Most top bonus cards require a good credit so know the card’s credit score requirements and how your score stacks up against it. If your credit could use a boost, you can take some practical steps to improve your credit score.
2. Pick the rewards you actually want
There are a few types of credit card rewards programs available and you’ll need to determine the kind of rewards you prefer.
| What do you want? | Choose… | Example |
|---|---|---|
| Simple, straightforward rewards | Cash back cards | Discover it® Cash Back |
| Flexible rewards for the best value (including travel) | Flexible points cards | Chase Sapphire Preferred® Card |
| Free flight rewards | Airline miles credit cards (or flexible points cards) | Southwest Rapid Rewards® Premier Credit Card |
| Free hotel stay | Hotel points cards (or flexible points cards) | Marriott Bonvoy Boundless® Credit Card |
3. Weigh the annual fee
Annual fees can eat into your bonus, but perks can easily outweigh the cost. A card like the Chase Sapphire Preferred® Card charges $95, yet offers credits, insurance protections and extra points that often offset the fee.
4. Check bonus eligibility rules
Credit card issuer restrictions may prevent you from being approved or earning a bonus on a card you’ve previously owned. Read the fine print before applying to know whether or not you are eligible for a bonus, then cross-check those terms against known credit card issuer restrictions — especially if you’ve opened several new cards recently. It’s a simple step that can save you a hard inquiry and a missed bonus.
5. Calculate the bonus value
Cash back is straightforward, but points and miles vary widely. You will need to do some simple math to calculate the value of the points or miles.
Frequently asked questions
Generally you cannot use your card to buy gift cards to meet the sign-up bonus spending requirement. You can check the card’s terms and conditions to see if gift card purchases are eligible or not.
Credit card sign-up bonuses are not taxable in most cases. Since most welcome offers require you to spend a certain amount to earn the bonus, the IRS considers this a rebate rather than taxable income. But if you receive a bonus without a spending requirement, it may be taxable. If this is the case, you’ll need to submit a Form 1099-MISC to the IRS.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Discover it® Cash Back, American Express Platinum Card®, The Business Platinum Card® from American Express, Blue Cash Preferred® Card from American Express, Chase Freedom Unlimited®, Capital One Savor Cash Rewards Credit Card, Wells Fargo Active Cash® Card, American Express® Gold Card, Capital One Venture Rewards Credit Card, Chase Sapphire Preferred® Card, Citi Strata Premier® Card, Chase Sapphire Reserve®, Capital One Venture X Rewards Credit Card, Southwest Rapid Rewards® Premier Credit Card, Delta SkyMiles® Gold American Express Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, The New United℠ Explorer Card, Marriott Bonvoy Boundless® Credit Card, Hilton Honors American Express Surpass® Card, World of Hyatt Credit Card, IHG One Rewards Premier Credit Card, Sapphire Reserve for Business℠, Capital One Venture X Business, Ink Business Preferred® Credit Card, Capital One Spark Cash Plus, Blue Cash Everyday® Card from American Express, Chase Freedom Flex®, Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Reserve American Express Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
