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If you’re looking for a way to earn cash back from your everyday spending, or want to stock up on travel points for a future trip, it’s a great time to open a new rewards credit card.
Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative offers available. These include increased offers and even brand-new cards from major card issuers.
A few of these credit cards are offering record-high welcome bonuses of 100,000 points or more — but some are only available for a limited time.
This week’s top credit card deals and bonuses
Best 0% offer (balance transfers)
$200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases
Best flexible point bonus
75,000 miles after spending $4,000 on purchases within 3 months from account opening
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.
70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening
Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.
3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening
Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
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.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best limited time offer
Regular APR
18.24% – 26.24% Variable
Recommended Credit Score
Good to Excellent
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- For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Best cash back bonus
Regular APR
16.24% – 26.24% Variable
Recommended Credit Score
Good to Excellent
Pros
- Generous bonus rewards, especially at U.S. supermarkets
- One of a small handful of credit cards that offer bonus rewards on select streaming services
- Intro APR offer
Cons
- Unlike many other cash-back cards, it charges an annual fee
- If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
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- Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- $95 Annual Fee.
- Terms Apply.
- See Rates & Fees
Best flexible point bonus
Regular APR
17.49% – 25.49% (Variable)
Recommended Credit Score
Good to Excellent
More Information
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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 $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Best airline bonus
Regular APR
17.99% – 24.99% Variable
Recommended Credit Score
Good to Excellent
Pros
- Substantial intro bonus offer
- A free first and second checked bag can save you and a companion up to $320 round-trip
- Up to $125 in annual credits toward United® purchases can offset half the annual fee
- 5,000-mile award flight credit can help you stretch your United miles
Cons
- High $250 annual fee
- Card doesn’t offer United Club lounge access or passes
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- Earn 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.
- $250 Annual Fee
- Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases
- Earn 3x miles on United® purchases
- Earn 2x miles on dining including eligible delivery services, select streaming services, and all other travel
- Earn 1x mile on all other purchases
- Each year, receive a $125 credit on United® purchases and two 5K-mile anniversary award flight credits. Terms apply.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24
Best hotel bonus
Regular APR
17.49% – 24.49% Variable
Recommended Credit Score
Good to Excellent
Pros
- Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
Cons
- The only lucrative bonus category is participating Marriott Bonvoy hotels
- Upgrading to Gold status requires spending $35,000 on the card in an account year,
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- Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
- Earn 3X Bonvoy 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 Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X Bonvoy 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.
Best 0% offer (balance transfers)
Regular APR
16.24% – 26.24% Variable
Recommended Credit Score
Good to Excellent
Pros
- No annual fee
- Simple earning structure without confusing bonus categories
Cons
- Some cards earn higher rates of cash back on rotating categories
- While it offers a 0% introductory APR for 18 months, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest. After those 18 months, it’s a 16.24% – 26.24% (Variable) APR.
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- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Best 0% offer (purchases)
Regular APR
17.24%, 22.24%, or 27.24% Variable
Recommended Credit Score
Good to Excellent
Pros
- Good welcome bonus for a $0 annual fee card
- Straightforward 2% cash rewards on purchases with no categories to track
- Strong benefits including cell phone protection, Visa Signature perks, and a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then 17.24%, 22.24%, or 27.24% Variable APR)
Cons
- If you’ve opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer
- Foreign transaction fees
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- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; 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
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select «Apply Now» to learn more about the product features, terms and conditions
Best business card bonus
Regular APR
17.49% – 22.49% Variable
Recommended Credit Score
Good to Excellent
More Information
- Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
- 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Credit card news this week
Citi rolled out a rarely seen welcome bonus offer on the Citi® Double Cash Card last week, so it’s a great time to apply if you’ve been on the fence about opening the card. For a limited time, it’s offering $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus (and rewards from the card) comes in the form of Citi ThankYou points, which you can redeem for cash back, travel booked through Citi, and gift cards at a rate of 1 cent each.
The Citi® Double Cash Card becomes even more compelling when you pair it with the Citi Premier® Card. Having the Citi Premier® Card allows you to pool your points and transfer them to Citi’s airline and hotel partners, which can get you an even higher value from your rewards.
Small-business owners who fly United can once again earn a record-high welcome bonus offer from the United℠ Business Card. For a limited time, it’s offering 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months. While the minimum spending requirement to unlock the full bonus is steep, if you can achieve it the bonus can be worth around $1,950 in flights, based on Insider’s valuation of United miles at 1.3 cents apiece. Here’s our full United Business card review with all the details.
How to pick a credit card bonus
Credit card limited time offers
Credit card welcome bonuses aren’t always the same. In fact, certain cards are known for increasing their bonuses from the «standard» offer at least once or twice a year, but usually only for a limited time.
The trick to earning the most rewards is timing your credit card applications to coincide with these elevated offers. For instance, the Citi Premier® Card normally offers 60,000 points after meeting minimum spending requirements, but right now it’s got an increased offer of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening (worth around $1,280 in travel based on Insider’s valuations).
Just because a card has an increased bonus doesn’t mean you should apply. Be sure to consider if the rewards it earns are useful to you, as well as factors like the card’s bonus categories, additional benefits, and annual fee. For example, there are terrific welcome bonus offers available right now on the IHG® Rewards Premier Credit Card and IHG® Rewards Premier Business Credit Card — but if you rarely stay at IHG brand hotels, opening one of these cards isn’t a practical move.
We list the top deals available each month in our guide to the best current credit card offers — and every Monday, we publish a weekly roundup (like this one!) of card news and updates to make sure you’ve got the scoop on the very latest deals.
Read our guides to learn more:
Cash back credit cards
The best cash-back credit cards can earn you anywhere from 1% to 6% back on your spending, depending on the card and its bonus categories. Using a cash-back card is a great way to take the sting out of everyday expenses, and because you can use cash back for anything, you’ve got the ultimate flexibility in redeeming your rewards.
Most of the top credit cards in this category have no annual fee, which is important if you’re trying to keep expenses down. However, that usually means you won’t see the outsized welcome bonuses that more premium cards offer.
Our pick right now for the best cash back bonus is the Blue Cash Preferred® Card from American Express, which is offering a $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening but charges a $95. Paying that fee is worth it if you can take advantage of the card’s extra-generous bonus categories: 6% back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S. streaming services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is earned in the form of Rewards Dollars).
That said, if paying an annual fee is a turnoff for you, there are plenty of no-annual-fee cash back cards like the Wells Fargo Active Cash® Card or Chase Freedom Unlimited® with solid welcome bonuses, benefits, and earning rates.
Read our guides to learn more:
Flexible points credit cards
Opening a card that earns flexible or transferable points is a smart move if you don’t have immediate plans for redeeming rewards and don’t want to be locked into a specific airline or hotel loyalty program. These travel rewards credit cards typically offer a multitude of redemption options, from cash back and gift cards to transferring points to airline and hotel partners for award travel.
Cards that earn Chase Ultimate Rewards®, American Express Membership Rewards, Citi ThankYou Rewards, and Capital One miles are among the most popular picks in this category. Beyond choosing a card with a high welcome bonus offer, be sure to consider how you prefer to redeem rewards and which transfer partners are useful to you (not all programs partner with the same airlines and hotels).
Many of these cards offer bonus points in certain categories, so picking a card that lines up with your spending habits can help you maximize rewards. But if you don’t want to fuss with bonus categories, the Capital One Venture Rewards Credit Card is a great pick because it earns 2x miles on all purchases (except hotels and car rentals booked through Capital One, which earn 5x miles). It’s also offering one of its highest welcome bonuses ever: 75,000 miles after spending $4,000 on purchases within 3 months from account opening (worth $1,275 in travel, based on Insider’s valuations).
Some flexible points cards also offer upscale benefits, like airport lounge access and statement credits, but for those, you’ll typically pay a high annual fee (you can read more about them in our guide to the best premium credit cards).
For instance, The Platinum Card® from American Express