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.

For example, with the Chase Sapphire Preferred, you'd have to spend $25,000 on the higher-earning travel and dining purchases to earn the equivalent of the signup bonus. Taking advantage of the signup bonus saves you thousands of dollars.

Best Credit Card Signup Bonuses of 2017

Credit CardBonusSpendTimeAnnual FeeRewards & Fine Print

Travel Rewards Credit Cards With Signup Bonus

Chase Sapphire Reserve50,000 points$4,0003 months$4503 points per dollar on travel and dining, 1 point per dollar one everything else; $300 annual travel credit
Chase Sapphire Preferred50,000 points$4,0003 months$95*2 points per dollar on travel and dining, 1 point per dollar one everything else
Capital One Venture Rewards Card40,000 points$3,0003 months$59*2 points per dollar on travel (including gas); 2 points per dollar on dining and entertainment; 1 point per dollar one everything else
Premier Rewards Gold Card from American Express25,000 points$2,0003 months$195*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
Barclaycard Arrival Plus World Elite MasterCard50,000 points ($500 travel statement credit)$3,00090 days$89*2X miles on all purchases; 5% miles back each time you make a redemption
Platinum Card From American Express40,000 points$3,0003 months$4501 point per dollar; $200 statement credit toward incidentals; complimentary access to airport lounges; enrollment in Priority Pass Select
Citi ThankYou Premier30,000 points$3,0003 months$95*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
Bank AmeriCard Travel Rewards20,000 points$1,00090 days$01.5 points per dollar
U.S. Bank Flex Perks Travel Rewards Visa Signature20,000 points$2,0004 months$0Triple points on qualifying charitable donations; double on one category where you spend the most and most cell phone providers; one point on everything else
Barclaycard Arrival Plus World MasterCard50,000 miles (worth a $500 statement credit)$3,00090 days$89*2X miles on qualifying travel and dining purchases; 1 mile per dollar on all other purchases; 5% miles back for each redemption.

Hotel Rewards Credit Cards With Signup Bonus

Marriott Rewards Premier Credit Card80,000 points$3,0003 months$855 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.
IHG Rewards Club Select credit card60,000 points$1,0003 months$49*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.
Starwood Preferred Guest Card from American Express25,000 points$3,0003 months$95*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.

Airline Rewards Credit Cards With Signup Bonus

Gold Delta SkyMiles Credit Card30,000 points$1,0003 months$95*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./td>
United Mileage Plus Explorer Card30,000 points$1,0003 months$95*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.
Southwest Airlines Rapid Rewards Premier Credit Card50,000 points$2,0003 months$692X 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.

Cash Back Rewards Credit Cards With Signup Bonus

Blue Cash Preferred from American Express$150 statement credit$1,0003 months$956% 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.
Chase Freedom15,000 points (worth $150)$5003 months$05% 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.
Blue Cash Everyday Card from American Express$150 statement credit$5003 months$03% 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.
Bank AmeriCard Cash Rewards$100$50090 days$03% 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

Flexible Points Rewards Credit Cards With Signup Bonus

Amex EveryDay Preferred Card15,000 points$1,0003 months$953X 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.
Citi ThankYou Preferred15,000 points$1,0003 months$02 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.
Amex EveryDay Card10,000 points$1,0003 months$02X 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.
U.S. Bank FlexPerks Select+ American Express Card10,000 points$1,0004 months$01 point per dollar
NFL Extra Points Visa10,000 points ($100 statement credit)$5003 months$02X 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
* 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. While every effort is taken to ensure the list contains the most recent bonus details, 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.

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