Best Credit Card Sign-Up Bonuses of June 2019

Credit card companies are offering better and better sign-up bonuses. There are a lot of lucrative sign-up bonuses to choose from in the form of cash back, points or miles. Whether you’re looking for miles to for your next vacation, cash back to fund a new purchase, or a wealth of points to give your rewards cache a head start, you can be confident you’ll find some of the biggest deals on our list. Most importantly, these are some of the best cards on the market from our partners – meaning you’ll want to keep them in your wallet long past the initial welcome period.

Here are the best credit card sign-up bonuses for June 2019:

  • Capital One® Venture® Rewards Credit Card
  • Barclaycard Arrival Plus® World Elite Mastercard®
  • Chase Sapphire Preferred® Card
  • Wells Fargo Cash Wise Visa® Card
  • Capital One® Quicksilver® Cash Rewards Credit Card
  • Bank of America® Cash Rewards credit card
  • Citi Premier℠ Card
  • Chase Freedom Unlimited®
  • Citi Rewards+℠ Card
  • Capital One® Spark® Cash for Business
  • Chase Freedom®
  • Wells Fargo Propel American Express® Card

Best for hotel spending

Capital One Image

Capital One® Venture® Rewards Credit Card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Venture® Rewards Credit Card

Rewards Rate:
Earn 10X miles on thousands of hotels; learn more at hotels.com/venture Earn 2X miles on every purchase, every day
Welcome Offer:
50,000 miles once you spend $3,000 on purchases within 3 months from account opening
Annual Fee:
$0 intro for first year; $95 after that
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
17.99% - 25.24% (Variable)
Terms and Restrictions Apply

Card Details

  • 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
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Terms and Restrictions Apply

Best for travelers

Chase Image

Chase Sapphire Preferred® Card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Sapphire Preferred® Card

Rewards Rate:
2X points on travel and dining at restaurants worldwide 1 point per dollar spent on all other purchases
Welcome Offer:
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®
Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
18.24% - 25.24% Variable
Terms and Restrictions Apply

Card Details

  • 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Terms and Restrictions Apply

Best for additional cash back rewards on mobile wallet purchases

Wells Fargo Image

Wells Fargo Cash Wise Visa® Card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Wells Fargo's secure website

Wells Fargo Cash Wise Visa® Card

Rewards Rate:
Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening Earn unlimited 1.5% cash rewards on purchases
Welcome Offer:
Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Annual Fee:
$0
Purchase Intro APR:
0% for 12 months
Balance Transfer Intro APR:
0% for 12 months on qualifying balance transfers
Regular APR:
16.24%-28.24% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Best for flat-rate cash back

Capital One Image

Capital One® Quicksilver® Cash Rewards Credit Card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Quicksilver® Cash Rewards Credit Card

Rewards Rate:
Earn unlimited 1.5% cash back on every purchase, every day
Welcome Offer:
$150 after you spend $500 on purchases within 3 months from account opening
Annual Fee:
$0
Purchase Intro APR:
0% intro on purchases for 15 months
Balance Transfer Intro APR:
0% intro on balance transfers for 15 months
Regular APR:
16.24% - 26.24% (Variable)
Terms and Restrictions Apply

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Terms and Restrictions Apply

Best for banking relationship bonuses

Bank of America Image

Bank of America® Cash Rewards credit card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Bank of America's secure website

Bank of America® Cash Rewards credit card

Rewards Rate:
Earn 3% cash back on gas or your choice of one of five other popular categories (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) Earn 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) Earn unlimited 1% on all other purchases
Welcome Offer:
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee:
$0
Purchase Intro APR:
0% Introductory APR on purchases for 12 billing cycles
Balance Transfer Intro APR:
0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
Regular APR:
16.24% - 26.24% Variable APR on purchases and balance transfers
Terms and Restrictions Apply

Card Details

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Terms and Restrictions Apply

Best for road-warriors

Citi Image

Citi Premier℠ Card

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi Premier℠ Card

Rewards Rate:
Earn 3 points per $1 spent on travel including gas stations Earn 2 points per $1 spent at restaurants and on entertainment Earn 1 point per $1 spent on all other purchases
Welcome Offer:
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
18.24% - 26.24% (Variable)
Terms and Restrictions Apply

Card Details

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases
Terms and Restrictions Apply

Best for flat-rate cash rewards

Chase Image

Chase Freedom Unlimited®

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Freedom Unlimited®

Rewards Rate:
Earn 3% cash back on all purchases in your first year up to $20,000 spent. Earn unlimited 1.5% cash back on all purchases after initial $20,000 spend in your first year.
Welcome Offer:
Earn 3% cash back on all purchases in your first year up to $20,000 spent.
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
0% Intro APR on Balance Transfers for 15 months
Regular APR:
17.24% - 25.99% Variable
Terms and Restrictions Apply

Card Details

  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that 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 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply

Best for everyday use

Citi Image

Citi Rewards+℠ Card

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi Rewards+℠ Card

Rewards Rate:
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter Earn 1X Points on All Other Purchases.
Welcome Offer:
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Annual Fee:
$0
Purchase Intro APR:
0% intro for 15 months on Purchases
Balance Transfer Intro APR:
0% intro for 15 months on Balance Transfers
Regular APR:
15.74% - 25.74% (Variable)
Terms and Restrictions Apply

Card Details

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Terms and Restrictions Apply

Best flat-rate cash back card for businesses

Capital One Image

Capital One® Spark® Cash for Business

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Spark® Cash for Business

Rewards Rate:
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
Welcome Offer:
$500 once you spend $4,500 on purchases within 3 months from account opening
Annual Fee:
$0 intro for first year; $95 after that
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
19.24% (Variable)
Terms and Restrictions Apply

Card Details

  • 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
Terms and Restrictions Apply

Best for rotating cash back categories

Chase Image

Chase Freedom®

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Chase's secure website

Chase Freedom®

Rewards Rate:
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
Welcome Offer:
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee:
$0
Purchase Intro APR:
0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:
0% Intro APR on Balance Transfers for 15 months
Regular APR:
17.24% - 25.99% Variable
Terms and Restrictions Apply

Card Details

  • 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 17.24-25.99%.
  • 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
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Claire Dickey

Questions? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


Credit Card Sign-Up Bonuses Guide

If getting a great sign-up bonus from your credit card is the name of your game, our experts at Bankrate are here to help. Here’s what you need to know about the best credit card sign-up bonuses of 2019:

  • Top picks for best sign-up bonus credit cards

    Here’s a look at the best credit cards of June 2019 by sign-up bonus according to our experts:

    Card Name Best for Sign-up Bonus
    Capital One® Venture® Rewards Credit Card Hotel spending 50,000 miles once you spend $3,000 on purchases within 3 months of account opening
    Barclaycard Arrival Plus® World Elite Mastercard® Serious travelers 70,000 bonus miles once you spend $5,000 on purchases within the first 90 days
    Chase Sapphire Preferred® Card Travelers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
    Wells Fargo Cash Wise Visa® Card Cash back on mobile wallet purchase $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months
    Capital One® Quicksilver® Cash Rewards Credit Card Everyday spenders $150 cash bonus if you spend $500 in purchases within the first 3 months
    Bank of America® Cash Rewards credit card Grocery shoppers $200 online cash rewards bonus after you spend $1,000 in purchases in the first 90 days
    Citi Premier℠ Card Road-warriors 60,000 bonus points after making $4,000 in purchases with your card in the first 3 months of account opening
    Chase Freedom Unlimited® Flat-rate cash rewards 3% cash back on the first $20,000 in purchases their first year (1.5% cash back on all other purchases)
    Citi Rewards+℠ Card Everyday use 15,000 bonus points when you spend $1,000 in purchases with your card within the first 3 months of account opening
    Capital One® Spark® Cash for Business Flat-rate cash back card for businesses $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
    Chase Freedom Rotating cash back categories $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    Wells Fargo Propel American Express® Card Modern travelers 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value

    What are sign-up bonus credit cards and how do they work?

    A sign-up bonus is a one-time credit card rewards bonus earned from hitting a certain spending threshold within an allotted amount of time. Most sign-up bonuses have spending thresholds that need to be met within 3 months of account opening. Then, the bonus is received 2 to 3 billing cycles after the threshold is met.

    You’ll normally get the most bang for your buck from a sign-up bonus offering points or miles rather than cash back. Here are the 3 categories sign-up bonuses can fall under:

    Points

    With a sign-up bonus offering points, you’ll usually see a range as low as 10,000 and as high as 100,000 points after meeting the qualifying spend.

    Miles

    Sign-up bonuses involving miles usually run between 20,000 and 100,000 miles and may require $5,000 or more in purchases within several months of account opening.

    With most cards, you’re able to redeem your miles for cash back, gift cards, merchandise and more, but it is typically more advantageous to use for travel rewards.

    Cash back

    Cash-back sign-up bonuses tend to waver between $100 and $500, depending on the card, and are great in terms of convenience. In order to receive your cash back bonus, you usually have to spend between $500 and $3,000 within 3 months.

    Deeper analysis of the top sign-up bonus credit cards

    Capital One® Venture® Rewards Credit Card – Best for hotel spending

    What we love: With the Capital One Venture Rewards card, you’ll get 2X miles for every purchase and 10X miles on thousands of hotels booked and paid for through hotels.com/Venture. As a high-tier travel card, you’ll get perks like Global Entry or TSA PreCheck fee credit, flexible redemption at any airline, hotel or rental car service, no foreign transaction fees and more. Plus, there’s a pretty sizeable bonus of 50,000 miles when you spend $3,000 in the first 3 months.

    What we wish were different: Miles have to be redeemed within 90 days of making a travel purchase.

    Bottom line: With a modest annual fee of $95 (waived the first year), this is a flexible, highly rewarding card that can help you earn big at hotels wherever you go.

    Barclaycard Arrival Plus® World Elite Mastercard® – Best for serious travelers

    Barclaycard Arrival Plus World Elite Mastercard is no longer available through our site.

  • What we love: With the Barclaycard Arrival Plus World Elite Mastercard, you’ll earn 2X miles for every dollar you spend – no spending caps, no rotating bonus categories. You’ll have to pay an $89 annual fee (waived the first year), and there’s a hefty 70,000-mile sign-up bonus when you spend $5,000 in your first 90 days.

    You can also book your travel wherever and however you want, meaning no airline or hotel restrictions. The coolest part? Every time you redeem your miles, you’ll get 5% of your miles back.

    What we wish were different: To redeem your miles for statement credit, you must do so within 120 days purchasing your travel.

    Bottom line: There are a few restrictions with this card, and you can get higher rewards rates elsewhere. However, if convenience is a plus for you and if the 70,000-mile sign-up bonus is calling your name, go for it.

    Chase Sapphire Preferred® Card – Best for travelers

    What we love: The Chase Sapphire Preferred is one of the best travel cards available with 2X points on travel and dining worldwide, plus 1X points on everything else. Receive a 60,000-point bonus offer when you spend $4,000 in 3 months, equal to $750 when redeemed for travel through Chase Ultimate Rewards®.

    What we wish were different: If you don’t travel often, this may not be the card for you. There’s less-than-stellar cash back and gift card redemption rates.

    Bottom line: Frequent travelers will gain significant rewards with the Sapphire Preferred.

    Wells Fargo Cash Wise Visa® Card – Best for additional cash back rewards on mobile wallet purchases

    What we love: With the Wells Fargo Cash Wise Visa Card, you’ll get an unlimited 1.5% cash back on every single purchase. The $200 cash back sign-up bonus is larger than most other cash back bonus offers, but you will have to meet a higher spending requirement ($1,000 within your first 3 months).

    What we wish were different: Despite the 0% introductory APR on purchases and qualifying balance transfers for 12 months (16.24%-28.24% variable thereafter), there’s still a balance transfer fee of 3% for your first 120 days. It jumps to 5% after those 120 days.

    Bottom line: This card has one of the better sign-up bonuses available in the form of cash back.

    Capital One® Quicksilver® Cash Rewards Credit Card – Best for everyday spenders

    What we love: If you don’t enjoy keeping track of rotating bonus categories, you’ll love an unlimited 1.5% cash back on every purchase with the Capital One Quicksilver Card. There’s no annual fee, and you’ll receive a reasonable $150 cash bonus when you spend $500 in your first 3 months of account opening. Those who frequently travel abroad will appreciate the lack of foreign transaction fees.

    What we wish were different: If you’re looking to transfer debt, there’s a balance transfer fee equal to 3% of the amount being transferred for balance transfers made within the promotional APR period. For balance transfers completed after the promotional period, there is no balance transfer fee.

    Bottom line: For a no annual fee cash back card, the Capital One Quicksilver scores pretty high for everyday simplicity and a nice cash back sign-up bonus.

    Bank of America® Cash Rewards credit card – Best for grocery shoppers

    What we love: Get 3% cash back in your category of choice (there are 6 to choose from) on the first $2,500 you spend each quarter, 2% back at grocery stores and wholesale clubs (also up to the same $2,500 in combined purchases) and unlimited 1% back on every other purchase. Even more, this is a no annual fee card and you’ll get a $200 cash bonus after spending just $1,000 in your first 90 days.

    What we wish were different: There’s a 3% fee (min $10) applies to all balance transfers.

    Bottom line: If your dream is to be in control of where you earn your rewards, the Bank of America Cash Rewards card is a great choice.

     

    Citi Premier℠ Card – Best for road warriors

    What we love: Earn 3X points on travel and gas stations, 2X points on entertainment and dining out and 1X point for everything else. There’s a 60,000-point bonus offer when you spend $4,000 in your first 3 months, redeemable for $750 in airfare when booked through the ThankYou® Travel Center. No blackout dates and no foreign transaction fees.

    What we wish were different: There’s a select number of airlines and hotel partners to choose from. If having a larger selection is important to you, there are cards that offer more brands to choose from.

    Bottom line: We like that points are worth 25% more on airfare when booked through thankyou.com, making the sign-up bonus worth $125 more when redeemed for airfare.

  • Chase Freedom Unlimited® – Best for flat-rate cash rewards

    What we love: Earn 3% cash back on all purchases in your first year up to $20,000 spent. Earn unlimited 1.5% cash back on all purchases after the initial $20,000 spend in your first year.

    What we wish were different: The 3% offer is only valid your first year of card ownership. Plus. there’s a cap on 3% cash back category ($20,000 your first year).

    Bottom line: The Chase Freedom Unlimited is a strong choice for a no annual fee rewards card, especially if you’re interested in maxing out the bonus category.

  • Citi Rewards+ Card – Best for everyday use

    What we love: The Citi Rewards+ Card offers 2x ThankYou Points at supermarkets and gas stations (up to $6,000 in combined purchases each year) and 1x ThankYou Points on everything else. You won’t be charged an annual fee, and Citi rounds up your rewards to the nearest 10 points on each purchase (making your $2 coffee worth 10 points). Plus, get a 15,000-point sign-up bonus when you spend $1,000 in three months.

    What we wish were different: ThankYou Points earned with the Citi Rewards+ Card are considered basic. That means you’ll have less flexibility in terms of point redemption or transferring.

    Bottom line: The no annual fee aspect of this card is where its value lies. To get the most out of the card, pair it with the Citi Prestige® Card or Premier card.

    Capital One® Spark® Cash for Business – Best flat-rate cash back card for business

    What we love: You’ll earn an unlimited 2% cash back on all spending with the Capital One Spark Cash for Business. There’s a one-time $500 cash bonus when you spend $4,500 within three months of account opening and you’ll receive perks like free employee cards, auto damage and collision protection, emergency and travel assistance services and more.

    What we wish were different: Unlike similar small business cards, the Spark Cash for Business doesn’t offer an introductory APR period.

    Bottom line: This is one of the best business rewards cards on the market. Better yet, employee cards will earn the same cash back rate (deposited into the main cardholder’s account).

  • Chase Freedom® – Best for rotating cash back categories

    What we love: You’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, plus a $150 cash back bonus when you spend at least $500 within the first three months of card ownership.

    What we wish were different: If you forget to activate your 5% bonus category, you’ll earn 1% cash back for the quarter.

    Bottom line: For a no annual fee rewards card, the Chase Freedom is a great pick. There’s a lot of redemption flexibility, too – redeem for cash-back deposit, statement credit or transfer your rewards to an eligible Chase card.

    Wells Fargo Propel American Express® Card – Best for modern travelers

    What we love: You’ll earn 3X points on dining, gas stations and travel, as well as 1X points on all other purchases. Additionally, there’s a 30,000 point sign-up bonus when you spend $3,000 in the first 3 months of card ownership (equal to $300 in cash back).

    What we wish were different: If you’re interested in using this card for travel, flights can only be redeemed through Go Far® Rewards.

    Bottom line: If you’re a Wells Fargo loyalist and want 3X points for everyday spending and travel, the Wells Fargo Propel American Express® Card is a fine choice.

  • How to choose the best sign-up bonus

    Sign-up bonuses are great, but it’s important to make sure you’ll still receive value from the card when the bonus is earned and gone. Know how and where you spend money, have a solid budget in mind and take your credit score into account when searching for the perfect sign-up bonus.

    Know your spending patterns

    What do you spend the most on? Where? Having a good idea of your spending patterns is important when looking into new credit cards. The worst situation you could get yourself into would be applying for a card that you can’t afford. For example, if you don’t spend much on travel, it doesn’t make sense to get a co-branded airline card that offers miles as a sign-up bonus.

    Don’t overspend – know your budget

    It’s crucial to have a full understanding of your budget and what you can reasonably afford to spend with a credit card. Sign-up bonuses can be tempting, but always make sure you can afford the minimum spending requirement that comes with it.

    For example, the Citi Premier℠ Card offers a 60,000-point welcome offer when you spend $4,000 in your first 3 months. If you can’t afford to spend approximately $1,333 a month to meet this requirement, you probably shouldn’t apply for the card. Even if you can afford it, make sure you’re not stretching to meet the requirement. If you know you can comfortably spend $4,000 in 3 months, then go for it.

    Consider your credit score

    Credit card applications require a hard credit check, which has a direct and temporary impact on your credit score. That means if you apply for a credit card that requires a higher credit score than you have, you could ding your credit score while being denied.

    In order to minimize the chance of your application being denied, always do your research before applying. Each credit card lists the credit score required to qualify, or just check Bankrate credit card reviews for the information.

    Make sure to take advantage of any pre-qualification checks a credit card issuer may offer. These checks won’t guarantee your qualification for a card, but it’s a good precautionary step.

    Which credit card has the best sign-up bonus?

    The best credit card sign-up bonus for you depends on a few factors:

    1. What type of rewards you’d like to earn (i.e., cash back, points, miles)
    2. The rewards structure of the card
    3. Whether or not you can afford to meet the qualifying spend of the sign-up bonus

    If you’re most interested in earning a cash back bonus and usually spend $500 a month on your card, look for a cash back sign-up bonus with a $1,500 or less qualifying spend.

    How to compare 2 credit cards with sign-up bonuses

    Let’s compare the sign-up bonus value of the Barclaycard Arrival Plus World Elite Mastercard and Capital One® Venture® Rewards Credit Card:

    Card Barclaycard Arrival Plus® World Elite Mastercard® Capital One® Venture® Rewards Credit Card
    TPG March 2019 point valuation 1.0 1.4
    Spending example $5,000 * 4 quarters * 2X miles * $0.01 = $400 $5,000 * 4 quarters * 2X miles * $0.014 = $560
    Rewards structure Unlimited 2X miles on every purchase Unlimited 2X miles on every purchase

     

    10X miles on thousands of hotels booked at hotels.com/venture

    Annual fee $89, waived first year $95 (waived first year)
    Welcome bonus 70,000 miles when you spend $5,000 in the first 90 days of account opening (worth $700) 50,000 AAdvantage bonus miles after $3,000 in purchases within the first 3 months (worth $500)
    Value First year: $1,100 (including sign-up bonus)

    Second year: $400

    First year: $1,060 (including sign-up bonus)

    Second year: $560

    Rewards values vary

    The first thing to take away from our Barclaycard Arrival Plus World Elite Mastercard and Capital One Venture Rewards Credit Card comparison is that rewards values vary. Based on the month, the worth of a certain issuer’s points and miles can take on more or less value. (Our experts consult The Points Guy when determining the current value of credit card rewards.)

    As of March 2019, Capital One Credit Card Rewards are worth 1.4 cents per point when redeemed for airfare – slightly higher than the 1.0 cent value of Barclaycard Arrival Miles. This gives the Venture card an advantage, despite the Barclaycard Arrival Plus World Elite’s larger sign-up bonus.

    Is the annual fee is worth it?

    In the case of annual fees, it usually goes like this: the larger the sign-up bonus, the larger the card’s annual fee. It’s common for smaller annual fees to be waived the first year, such as those in the $95 range. High-end cards tend to charge upwards of $400, but come with perks that make up for a portion of the fee (i.e., Global Entry and TSA PreCheck fee credit).

    In the case of the Barclaycard Arrival Plus World Elite card and Venture card comparison, both charge a relatively small annual fee, waived the first year. The Barclaycard charges slightly less ($89) compared to the Venture card ($95), but as our calculations have found, you’ll easily be able to make up for each card’s annual fee, even after the first year.

    If you think you card’s annual fee is cutting it close, make sure to add in the value of the perks/discounts offered by your card of choice, as well as your likelihood of fully utilizing them.

    How to maximize your sign-up bonus

    In order to maximize your card’s sign-up bonus, it’s important to know if your issuer offers the chance to boost your rewards value.

    Travel and shopping portals

    Did you know you can boost the value of your sign-up bonus by using a travel or shopping portal? Some credit card companies offer the chance to boost the value of your rewards by redeeming through the issuer’s portal.

    Who offers these programs?

    Pretty much every bank has their own travel or shopping portal. For example, Chase‘s travel portal is called Chase Ultimate Rewards Travel. Citi also offers a 25% bonus on airfare travel booked through the ThankYou® Travel Center.

    How do these programs work?

    The Chase Sapphire Preferred® Card, for example, offers a 60,000-point bonus when you spend $4,000 in your first 3 months. And when redeeming your bonus, you’ll get a 25% boost in redemption value through the Chase Ultimate Rewards program. That means your sign-up bonus, which started out with a value of $600, would be worth $750 when redeemed for travel through the Chase portal.

    When is it best not to get a sign-up bonus credit card?

    Just because a card doesn’t offer a traditional sign-up bonus doesn’t mean it’s of lesser value. In fact, some cards offer an alternative incentive. For example, in lieu of a sign-up bonus, the Discover it® Cash Back card will automatically match all of the cash back you’ve earned at the end of your first year.

    Further, cards like the Citi® Double Cash Card reward you as you pay off your purchases. With the Double Cash, you’ll earn 2% back for each dollar you spend — 1% when you make a purchase and another 1% when you pay it off.

    Starter credit cards like the Capital One® Platinum Credit Card typically don’t offer sign-up bonuses and instead will offer perks like no annual fee. These cards can help you to build your credit and sway you away from spending more than you can afford.

    Additional reviews and research

    For more information on the best sign-up bonus credit cards for spring 2019, read our expert reviews for individual cards.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.