Credit Cards

Credit card sign-up bonuses are one of the most reliable ways to generate travel or cash value quickly — if you can meet the spend requirement without overspending. The value of points and miles varies widely by redemption method; $0.01 per point is a common floor, but premium redemptions can exceed $0.02. Annual fees should be weighed against recurring benefits you'll actually use.

Current featured offer

Chase

Sapphire Preferred® — 100,000 Points

Current Pick

Promotional value

100,000 Points ($1,250 in travel)

Earn 100,000 bonus points after spending $5,000 in the first 3 months. Points are worth 25% more when redeemed through Chase Travel, making this bonus worth at least $1,250. 3x on dining and select streaming; 5x on travel via Chase Travel.

To qualify

Spend $5,000 on purchases in first 3 months from account opening

Annual Fee

$95

Spend Req.

$5,000 in 3 months

Reward Type

Chase Ultimate Rewards points

Intro APR

N/A

Updated May 2026

travel rewardstransferable pointselevated offer

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Verify terms with provider before applying

More credit cards offers

American Express

Gold Card — 60,000 Points

60,000 Membership Rewards Points

Earn 60,000 Membership Rewards points after spending $6,000 in the first 6 months. 4x at restaurants worldwide and U.S. supermarkets (up to $25K/yr). Up to $120 dining credit and $120 Uber Cash annually.

Annual Fee: $325Spend Req.: $6,000 in 6 monthsReward Type: Membership Rewards points

dining rewardstravel transfer partnersstatement credits

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American Express

Jul 14

Marriott Bonvoy Brilliant® — 150,000 Points

150,000 Points + $125 Credit

Earn 150,000 Marriott Bonvoy points plus a $125 statement credit after $8,000 spend in the first 6 months. Limited-time elevated offer. Automatic Platinum Elite status with Marriott.

Annual Fee: $650Spend Req.: $8,000 in 6 monthsReward Type: Marriott Bonvoy points

hotel rewardsluxuryelite status

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Capital One

Venture Rewards — 75,000 Miles

75,000 Miles ($750 in travel)

Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months. Miles transfer to 15+ airline and hotel programs, or redeem at 1¢ each toward travel purchases.

Annual Fee: $95Spend Req.: $4,000 in 3 monthsReward Type: Capital One Miles

travel milesflexible redemptionno foreign fee

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Chase

Freedom Unlimited® — $200 Bonus

$200 Bonus Cash Back

Earn $200 after spending $500 in the first 3 months — one of the lowest spend requirements available. No annual fee. 1.5% cash back on all purchases, 5% on Chase Travel, 3% on dining and drugstores.

Annual Fee: $0Spend Req.: $500 in 3 monthsReward Type: Cash back

no annual feecashbacklow spend threshold

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What to check before applying

Confirm the spend requirement and timeline — typically 3–6 months
Check if the annual fee is waived in year one
Understand how points are valued for your preferred redemption method
Verify you haven't received a bonus from the same issuer recently (24/48-month rules)
Review foreign transaction fees if you travel internationally

Frequently asked questions

What is the highest credit card sign-up bonus right now?

Current elevated offers include Chase Sapphire Preferred® at 100,000 points ($1,250 in travel value) after $5,000 spend in 3 months, and Marriott Bonvoy Brilliant® at 150,000 points after $8,000 spend in 6 months. Capital One Venture offers 75,000 miles after $4,000 spend. Elevated offers are time-limited — verify current terms before applying.

Are credit card sign-up bonuses taxable?

Generally no. The IRS typically treats rewards earned through spending as a rebate on purchases, not taxable income. However, bonuses received without a spending requirement (such as referral bonuses with no spend threshold) may be treated as taxable income. Consult a tax professional if uncertain.

How do issuer 5/24 and 48-month rules affect eligibility?

Chase's 5/24 rule restricts approval if you've opened 5+ credit cards in 24 months. American Express typically limits welcome bonuses to once per card in a lifetime. Many issuers enforce 24- or 48-month waiting periods between bonuses on the same card. Check issuer-specific rules before applying to avoid a hard inquiry without receiving the bonus.