There are thousands of credit cards available on the market today from thousands of different companies and financial institutions. This can make the process of choosing the right card for you and your needs to be a difficult one to say the least. One thing many companies offering credit cards can do to make this decision a little easier is to give you a signup bonus. However, some are better than others depending on what you are planning to use the card for. Here are some of the best credit card signup bonus offers we could find.
Product FAQ’s
What A Credit Card Signup Bonus?
What Does it Do?
How Does it Work?
How Can I Find Cards With Good Signup Bonuses?
Price Range
How We Reviewed The Best Credit Card Signup Bonuses
The following credit cards and their signup bonuses were reviewed based on these parameters: Features, Pros & Cons, Annual Fees, Where to Buy, and Signup Bonus offered.
Overall Price Range Of This Product
As we mentioned before, there is no upfront cost involved in getting a credit card. However, there are annual fees for some cards and often several other types of fees may apply. For the list of cards we are reviewing, they all have annual fees These annual fees range from $89 to $550 per year.
However, it is important to note, a few of these cards waive the fee for the first month and one of them waives the fee for the first whole year. Also, those cards with a higher annual fee tend to have several other perks to using their card to help compensate this cost, like not having to pay foreign transaction fees. For some card holders it may be very well worth it to pay the larger annual fee instead of paying for many fees year round that could add up to more than the annual fee is worth. It all depends on how you are going to use the card and how often.
What We Reviewed
- The Business Platinum® Card from American Express OPEN
- The Platinum Card® from American Express
- Ink Business Preferred℠ Credit Card
- Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
- Capital One® Venture® Rewards Credit Card
- IHG® Rewards Club Premier Credit Card
- Chase Sapphire Preferred® Card
- Capital One® Spark® Cash for Business
- Blue Cash Preferred® Card from American Express
- Hilton Honors American Express Ascend Card
The Business Platinum® Card from American Express OPEN
Features
This card will give you up to 100,000 membership rewards points as a signup bonus. You will get 50,000 points after you spend $10,000 and an additional 50,000 when you spend another $15,000 on qualifying purchases. You also receive unlimited access to over 1,000 travel lounges all over the globe with the option to bring guests. American Express will also reward you with $200 in airline credits per year for such things as baggage fees, incidentals, as well as food and drinks in flight.
Pros
Cons
Price
The annual fee for this card is $450 and is not waived.
Where to Buy?
This offer can be found online at the link provided.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
The Platinum Card® from American Express
Features
Features
American Express offers you 60,000 membership rewards points when you spend at least $5000 within your first three months of owning the card. You will also earn five times the rewards points on purchases for flights booked directly through the airline or with American Express Travel. This card is best used for its travel rewards.
Pros
Cons
Price
The annual fee is $550 and is not waived.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Ink Business Preferred℠ Credit Card
Features
Chase backs this card by offering 80,000 rewards points when you spend at least $5000 in the first three months of card ownership. This value is estimated to be about $1000 in travel rewards. This is the best card for businesses with travel rewards.
Pros
Cons
Price
The annual fee is $95 and is not waived.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Features
This card offers bonus miles instead of just points. You can earn up to 60,000 bonus miles when you spend at least $3000 in your first three months. This card is best if used for travel its rewards and miles.
Pros
Cons
Price
The annual fee is $99 and is waived for the first 12 months of ownership.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Capital One® Venture® Rewards Credit Card
Features
Capital One will give you 50,000 bonus miles after you spend at least $3000 within the first three month of card ownership. You will also earn two times the miles on every purchase, every day. This card may have the best credit card signup bonus when used for general travel practices and only has a medium spending requirement.
Pros
Cons
Price
The annual fee is $95 and is waived for the first year.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
IHG® Rewards Club Premier Credit Card
Features
IHG offers 80,000 bonus points when you spend at least $2000 in the first three months. You can earn another 5,000 points if you add an additional authorized signer to your account. They also give you a free night at any of their locations per card holder per year.
Pros
Cons
Price
The annual fee is $89 and is not waived.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Chase Sapphire Preferred® Card
Features
Chase will reward you with up to 50,000 bonus points when you spend at least $4,000 in the first three months you have the card. They also waive the annual fee for the first year and will give another 5,000 points when you add another authorized signer to your account. This card gives the best credit card signup bonus for general spending practices but has a larger spending requirement than some.
Pros
Cons
Price
The annual fee is $95 and is waived for the first year.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Capital One® Spark® Cash for Business
Features
Earn up to $500 cash back when you spend $4500 in the first three months that you own the card. Capital one will also give you 2% cash back on every purchase every day with no limitations or restrictions. You can also add employee credit cards to your account at no additional fee. This card may have the best credit card signup bonus for business owners who like cash back.
Pros
Cons
Pros
- $500 cash back
- Annual fee is waived for the first year.
- Earn 2% cash back on every purchase
Cons
- $95 annual fee
- For business owners only
Price
The annual fee is $95 and is waived for the first year.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Blue Cash Preferred® Card from American Express
Features
American Express will reward with a $200 statement credit if you spend at least $1000 in the first three months of having your new card. There is also a 0% APR on purchases and balance transfers for the first year of ownership. This card has best credit card signup bonus for cash back with a low spending requirement.
Pros
Cons
Price
The annual fee is $95 and is not waived.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
Hilton Honors American Express Ascend Card
Features
The Hilton will give you 100,000 bonus points when you spend at least $2000 in eligible purchases made within the first three months. When you spend $15,000 in a calendar year you will earn a free weekend night. You also earn 12 times the points per dollar on purchases that are spent directly a Hilton hotel or resort. This card offers the best credit card signup bonus for those who use Hilton properties.
Pros
Cons
Price
The annual fee is $95 and is not waived.
Where to Buy?
This offer can be found online at the following link.
Warranty
As with all credit cards there isn't a warranty system in place, however, if you happen to lose your card or it is damaged, it can be replaced. There may be a fee for card replacement depending on the circumstances.
The Verdict
After reviewing all of these cards we have come to the conclusion that the Chase Sapphire Preferred® Card offers the best credit card signup bonus for general spending. It will give you a lot of points and doesn't require you to spend nearly as much as some cards on this list within the first three months. However, it's important to note it's best for general spending.
If you own a business and plan to travel a lot your best choice would probably be the Ink Business Preferred℠ Credit Card from Chase. If you own a business and like to get cash back then the best credit card signup bonus will be with the Capital One® Spark® Cash for Business. If you're looking to travel a lot you might want to go with either the Capital One Venture card or the Platinum from American Express, as these both offer a lot of travel related rewards
Therefore, it's important for you consider just how you plan on spending the funds on your card and where you will use it the most often before you apply for one of these cards. What is best for the business owner who travels a lot may not be best for someone who doesn't travel as often and doesn't own a business. Take a look over these cards and their features to decide which one will work best for you and your needs.
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