12 Best Credit Card Signup Bonus Offers (2019)

12 Best Credit Card Signup Bonus Offers (2019)

credit card advice

Ashley Dull
By: Ashley Dull
Updated: April 4, 2019
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

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 old Marriott Rewards Premier card (no longer available), 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.

Some cards, like the Chase Sapphire Preferred® Card, 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 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 24.99% Variable
$95
Good/Excellent
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.74% - 24.74% 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 your 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® Cash Back 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.

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

★★★★★
4.5

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74 - 25.49% Variable
$0
Good/Excellent
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74-25.49% Variable
$0
Good/Excellent

+ 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.

POINTS & GIFTS RATING

★★★★★
4.8

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 $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 25.99% Variable
$450
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 24.99% Variable
$95
Good/Excellent
9

PlayStation® Card from Capital One®

This card is currently not available.

Points & Gifts Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

+ 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

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • 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
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 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; 14.74% - 22.74% 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
14.74% - 22.74% (Variable)
$0
Excellent, Good

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✔® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 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.

Of course, it’s important to remember that only net new purchases will count toward the requirement for the signup bonus. Other transactions, such as balance transfers or cash advances, typically won’t qualify toward your required spend.