Credit Cards With Signup Bonuses

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Many of the best rewards credit cards offer signup bonuses - a lump sum of rewards that you can earn earn within the first few months of having your credit card. To earn the bonus, you generally have to spend a certain amount of money within the first few months (usually three months) of opening the credit card.

What's great about signup bonuses is that you can earn a generous amount of rewards by spending only a fraction of the amount you'd ordinarily need to spend to earn the same amount of rewards.

 Taking advantage of the signup bonus saves you thousands of dollars.

Best Credit Card Signup Bonuses of 2017

Credit CardBonus/Rewards

Travel Rewards Credit Cards With Signup Bonus

Chase Sapphire Reserve

Earn 50,000 bonus points if you spend $4,000 in the first 3 months.

Rewards: 3 points per dollar on travel and dining, 1 point per dollar one everything else; $300 annual travel credit. Annual fee: $450.

Chase Sapphire Preferred

Earn 50,000 bonus points if you spend $4,000 in the first 3 months. 

Rewards: 2 points per dollar on travel and dining, 1 point per dollar one everything else. Annual fee: $95*

Capital One Venture Rewards Card

Earn 40,000 bonus points if you spend $3,000 in the first 3 months.

Rewards: 2 points per dollar on travel (including gas); 2 points per dollar on dining and entertainment; 1 point per dollar one everything else. Annual fee: $59*

Premier Rewards Gold Card from American Express

Earn 25,000 bonus points if you spend $2,000 if you spend $3,000 in the first 3 months.

Rewards: 3X points on flights booked directly with airlines; 2X points at gas stations, supermarkets, and restaurants; 1X points on everything else. Bonus may only be available to new card members. Annual fee: $195*

Barclaycard Arrival Plus World Elite MasterCard

Earn 50,000 bonus points if you spend $3,000 in the first 90 days.

Rewards: 2X miles on all purchases; 5% miles back each time you make a redemption. Annual fee: $89*

Platinum Card From American Express

Earn 40,000 bonus points if you spend $3,000 in the first 3 months.

Rewards: 1 point per dollar; $200 statement credit toward incidentals; complimentary access to airport lounges; enrollment in Priority Pass Select. Annual fee: $450

Citi ThankYou Premier

Earn 30,000 bonus points if you spend $3,000 in the first 3 months.

Rewards: 3 ThankYou points per dollar on travel; 2 points per dollar on dining out and entertainment; 1 point per dollar on everything else. The bonus is not available if you opened or closed a Citi ThankYou Premier Card within the last 18 months. Annual fee: $95*

Bank AmeriCard Travel Rewards

Earn 20,000 bonus points if you spend $1,000 in the first 90 days.

Rewards: 1.5 points per dollar. No annual fee.

U.S. Bank Flex Perks Travel Rewards Visa Signature

Earn 20,000 bonus points if you spend $2,000 in the first 4 months.

Rewards: Triple points on qualifying charitable donations; double on one category where you spend the most and most cell phone providers; one point on everything else. No annual fee.

Barclaycard Arrival Plus World MasterCard

Earn 50,000 miles if you spend $3,000 in the first 90 days.

Rewards: 2X miles on qualifying travel and dining purchases; 1 mile per dollar on all other purchases; 5% miles back for each redemption. Annual fee: $89*

Hotel Rewards Credit Cards With Signup Bonus

Marriott Rewards Premier Credit Card

Earn $80,000 bonus points if you spend $3,000 in the first 3 months.

Rewards: 5 points per dollar on Marriott purchases; 2 points per dollar on airline tickets purchased directly with airlines, car rental agencies, and restaurants; 1 point per dollar dollar on everything else. Must use your card at least once every 24 months to keep your rewards. Annual fee: $85

IHG Rewards Club Select credit card

Earn 60,000 bonus points if you spend $1,000 in the first 3 months.

Rewards: One 5 points per dollar on IHG hotels; 2 points per dollar on gas station, grocery store, and restaurant purchases; 1 point per dollar on everything else; plus one free night every year. Bonus available for new cardmembers who haven't received a bonus for this card within the past 24 months. Annual fee: $49*

Starwood Preferred Guest Card from American Express

Earn 25,000 if you spend $3,000 in the first 3 months.

Rewards: Up to 5 points per dollar on SPG hotel purchases, 1 point per dollar on everything else. Must sign up by March 30, 2016 for this bonus offer. Annual fee: $95*

Airline Rewards Credit Cards With Signup Bonus

Gold Delta SkyMiles Credit Card

Earn 30,000 points if you spend $1,000 in the first 3 months.

Rewards: 2 miles on Delta purchases, priority boarding on Delta flights, first bag checked free on Delta flights. Bonus may only be available to new cardmembers. Annual fee: $95*

United Mileage Plus Explorer Card

Earn 30,000 bonus points if you spend $1,000 in the first 3 months.

Rewards: 5,000 bonus points when you add an authorized user and make a purchase; 10,000 bonus points each calendar year you spend at least $25,000 in net purchases; 2X miles on United purchases directly from United; 1 mile per dollar on all other purchases. Bonus available for new cardmembers who haven't received a bonus for this card within the past 24 months. Annual fee: $95*

Southwest Airlines Rapid Rewards Premier Credit Card

Earn 50,000 if you spend $2,000 in the first 3 months.

Rewards: 2X points for Southwest Airlines purchases made with the airline and on hotel and car rental partner purchases; 1 point on everything else; 3,000 bonus points on your cardmember anniversary. Annual fee: $69

Cash Back Rewards Credit Cards With Signup Bonus

Blue Cash Preferred from American Express

Earn a $150 statement credit if you spend $1,000 in the first 3 months.

Rewards: 6% back at supermarkets (up to $6,000 in annual purchases), 3% at gas stations, 1% on everything else. Bonus may only be available for new cardmembers. Annual fee: $95

Chase Freedom

Earn 15,000 bonus points if you spend $500 in the first 3 months.

Rewards: 5% back on quarterly rotating categories (on up to $1,500 in purchases per quarter); 1% back on everything else. Bonus available for new cardmembers who haven't received a bonus for this card within the past 24 months. No annual fee.

Blue Cash Everyday Card from American Express

Earn a $150 statement credit if you spend $500 in the first 3 months.

Rewards: 3% on the first $6,000 in grocery store purchases each year; 2% at select gas stations and department stores; 1% on everything else. Bonus may only be available for new cardmembers. No annual fee.

Bank AmeriCard Cash Rewards

Earn $100 if you spend $500 in the first 90 days.

Rewards: 3% on the first $1,500 in combined grocery/gas purchases each quarter; 2% at grocery stores; 1% on everything else. 10% bonus if you redeem your cash back into a Bank of America checking or savings account. No annual fee.

Flexible Points Rewards Credit Cards With Signup Bonus

Amex EveryDay Preferred Card

Earn 15,000 bonus points if you spend $1,000 in the first 3 months.

Rewards: 3X points at supermarkets (up to $6,000 in purchases), 2X points at gas stations, 1X points on everything else. 50% more points if you use your card 30 or more times on purchases in a billing period. Bonus may only be available for new cardmembers. Annual fee: $95

Citi ThankYou Preferred

Earn 15,000 bonus points if you spend $1,000 in the first 3 months.

Rewards: 2 ThankYou points per dollar on dining out and entertainment; 1 point per dollar on everything else. The bonus is not available if you opened or closed a Citi ThankYou Preferred Card within the last 18 months. No annual fee.

Amex EveryDay Card

Earn 10,000 bonus points if you spend $1,000 in the first 3 months.

Rewards: 2X points at supermarkets on up to $6,000 in purchases per year; 1X points on everything else. Bonus may only be available for new cardmembers. No annual fee.

U.S. Bank FlexPerks Select+ American Express Card

Earn 10,000 bonus points if you spend $1,000 in the first 4 months.

Rewards: 1 point per dollar. No annual fee.

NFL Extra Points Visa

Earn 10,000 bonus points if you spend $500 in the first 3 months.

Rewards: 2X points on NFL and team purchases, game tickets, purchases at team pro shops, and in-stadium purchases on game day; 1 point per dollar on everything else. No annual fee.

* Annual fee waived in the first year

What to Know About Earning the Signup Bonus

  • Your credit limit plays a role. Your credit limit affects how easy it is to earn the bonus. If your credit limit is below the spending threshold, you'll have to continually pay off your credit card balance to free up additional credit for purchases.
  • Purchases count, not other transactions. The spending amount is based on net purchases made, not balance transfers or cash advances. If your goal is to earn a signup bonus on your new credit card, leave your balance transfer for another card. Also, note that returns and credits will offset spending you've already made.
  • Expect an annual fee. Fourteen of the 24 cards on this list have an annual fee. Some credit cards waive the annual fee in the first year, but others don't. When a credit card does charge an annual fee in the first year, the fee does not count toward the spending amount required to earn the bonus.
  • Note the timing of the bonus. The terms and conditions for most signup bonuses say it takes between 6 and 8 weeks for the bonus to post to your account. So keep in mind that it make take up to six months from the time you open your account to actually receive your bonus.
  • Always pay in full. Paying interest on a rewards credit card negates the benefit of the rewards. Not only that, carrying a balance ties up your credit, making it harder to continually rack up rewards. Use your rewards card for everything, but pay the balance in full each month.
  • Read the rules. American Express' rules suggest that you cannot receive a signup bonus for the same card twice and possibly not if you have another (personal) Amex open at the same time. Chase won't allow you to earn the bonus if you already have the credit card (you'll need to cancel it first) or if you earned a bonus within the past 24 months. Citi terms suggest that you cancel your card and wait 18 months before reapplying and receiving a signup bonus for the same credit card.

    Disclaimer: The signup bonuses listed here are current as of the date on this article. Credit card issuers may change rewards, and pricing information, signup bonuses at anytime. Always visit the credit card issuer's website for the most up to date information on signup bonuses, rewards, and other pricing and terms.