12 Best Credit Card Signup Bonus Offers (2017)

The 12 Best Credit Card Signup Bonus Offers

credit card advice

Ashley Dull
By: Ashley Dull
Posted: June 27, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Getting married is expensive. I know because I’m planning my own nuptials next spring. Between the obvious costs like venue and food, you don’t realize how many other less-obvious things there are to pay for, like guest favors and dress alterations, and it all adds up so quickly.

One expense we don’t have to worry about, however, is our hotel accommodations for the honeymoon because we took advantage of some great credit card signup bonuses.

I applied for the Chase Sapphire Reserve when it was still offering the 100,000-point signup bonus, while my significant other applied for the Marriott Rewards Premier card, also offering a 100,000-point signup bonus at the time. Between the two cards, we earned over $2,000 in travel rewards for our honeymoon! Signup bonuses are always available — but the best ones aren’t around forever — and if you have an end goal in mind, as we did for our honeymoon, they’re easier to achieve when you select the right card.

Airline & Travel | Cash Back | Rewards | Business

Best “Airline & Travel” Card Signup Bonuses

If you’re planning a trip and want help with the cost of flights and/or hotel accommodations, a travel rewards card is a safe bet to help you meet your objective.

Image of Chase Sapphire Preferred Signup Bonus Some cards, like the Chase Sapphire Preferred, offer points that translate to both cash back or travel rewards, so you’ve got some added flexibility. Not to mention Chase maximizes rewards when redeemed for travel through its Chase Ultimate Rewards portal (value varies by card), so you can get even more value that way, as I did with my Chase card.

Signup bonuses and spending requirements for each card are detailed below.

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.99% - 23.99% (Variable)
$0 intro for first year; $59 after that
Excellent, Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Our Take: "If you're looking for a card that gives you air miles, your search is over. This card helps you earn free flights with multiple airlines, awards very generous bonuses, and offers a low APR to boot.
  • Earn unlimited 1.5x Miles on every dollar spent
  • Cover travel costs by redeeming the miles in any amount for a statement credit
  • Fly any airline, any time
  • No blackout dates
  • At the end of your first year, the card automatically matches the miles you've earned (only for new cardmembers)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% – 23.99% Variable
$0
Good/Excellent

+ See More Travel Rewards Cards

Best “Cash Back” Card Signup Bonuses

Cash back is exactly what it sounds like — a percentage of cash back on each qualifying purchase, generally between 1% and 5%.  A cash back signup bonus will award you a nice sum of money just for meeting the minimum spending requirements within the allotted time frame, usually three months after the account is opened.

The Discover it® Cashback Match card does something a little differently than other issuers by doubling the amount of cash back you earn at the end of your first year as your signup bonus. This ultimately leaves the bonus amount in your own hands, allowing you to earn as much as you can.

Image of Discover it Cashback Match Summary

This is a personal Discover it® Cashback Match summary posted by Grant of travelwithgrant.com.

The only drawback is that if you want your cash for something specific before the year’s up, another card’s signup offer might be best.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • With Cashback Match you could turn $200 into $400, as the card matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% – 23.99% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good

+ See More Cash Back Cards

Best “Rewards” Card Signup Bonuses

Rewards cards award points that can be used for travel, cash back, merchandise, gift cards, and statement credit, allowing cardholders a lot of options for how to spend their rewards. If you’re in the market for a card with a generous signup bonus, but don’t necessarily have a specific want or need for it, a generic rewards program offered through one of these cards is a good way to go.

Wells Fargo Propel American Express® Card Review

at Wells Fargo'ssecure website

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit

+ See More Rewards Points Cards

Best “Business” Card Signup Bonuses

A business card can provide perks and benefits that traditional consumer cards cannot, and this extends to the signup bonus. And you don’t have to have founded a large company with hundreds of employees to qualify — if you’re a freelancer, have an Etsy store, or even sell things on eBay, you can apply for a business credit card. Most of the time your Social Security number will suffice as business verification, as an EIN (employer identification number) is not always necessary.

You can quickly obtain your new business card’s signup bonus by using it to pay for office/creative supplies, travel expenses, advertising, and any other operational costs, and enjoy the additional benefits a business card can offer you.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% (Variable)
$0 intro for first year; $59 after that
Excellent, Good

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
13.99% - 21.99% (Variable)
$0
Excellent, Good

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% (Variable)
$0 intro for first year; $59 after that
Excellent, Good

+ See More Business Cards

Earn Free Stuff from the Things You’re Already Buying

My fiancé and I signed a contract for our venue and were then put on a payment plan, so we knew we’d need a credit card on file for the automatic charges to come. Because we knew exactly how much was being withdrawn and when, putting the new card on file with our venue was a no-brainer to help us achieve our signup bonus.

Once we hit the spending minimum, the bonus was immediately credited to our account. We then started looking at hotels and getting an idea of where we could use our points, and there was no shortage of amazing options.

It’s so easy for anyone to take advantage of signup bonuses — just use the card to pay for things you’re already buying, like rent, utilities, groceries, or any upcoming large purchases, and you’ll be on your way to earning free money for travel, merchandise, statement credit, or cash in hand, and all it takes is applying for the right card. Just remember that you have to actually spend to get the bonus — cash advances and balance transfers will not qualify.