Guide to credit card special offers and limited-time promotions

While rewards credit cards can help you rack up points and miles all year long, the best credit card offers come and go. Some issuers roll out special promotions that only last for a few months, and we all know that credit card welcome bonuses fluctuate as time goes on.

If your goal is to boost the amount of rewards and credit card discounts you get throughout the year, it pays to be strategic in terms of how you use your cards and which new credit cards you sign up for.

Our comprehensive guide aims to keep you up-to-date on the best credit card bonus offers and seasonal promotions. By signing up for a new card from our list or taking advantage of the best credit card promotions of the moment, you can get the most bang for your buck from your rewards credit cards this year.

American Express promotions

American Express credit card offerings include an array of cash back credit cards, premium travel credit cards and business credit cards. While some of their rewards cards only let you earn statement credits, others offer American Express Membership Rewards points, which can be redeemed for statement credits, merchandise, travel, transfers to Amex airline and hotel partners and more.

Some American Express credit cards also pave the way for special savings and discounts, which you should take advantage of if you can.

Limited-time American Express introductory offers

There are no introductory offers at this time.

Other special intro bonus offers from American Express

Additional American Express promotions

• Beginning September 22, 2022, Marriott Bonvoy Brilliant American Express card members can earn up to $25 in monthly statement credits for a total of $300 per calendar year on eligible dining purchases at restaurants worldwide. These purchases must be charged to a Marriott Bonvoy Brilliant card.
• The Amex Gold card is adding three new participating partners to the $120 dining credit (up to $10/month in statement credits): Milk Bar, Wine.com and Goldbelly (enrollment required).
• Earn extra cash back or Membership Rewards on purchases from your favorite merchants via Amex Offers.
• The Rose Gold Amex is currently available to both new and existing U.S. cardmembers (no referral required).
• Starting Feb. 4, 2021, new and existing Amex Gold cardmembers get up to $120 Uber Cash (up to $10 monthly credits in Uber Cash): Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Terms apply.
• Starting Jan. 10, 2021, owners of Amex Platinum, The Business Platinum Card® from American Express, Amex Gold and American Express® Business Gold Card can get a Hotel Collection complimentary night or property credit (worth $150 or more) when booking an eligible stay at participating properties via Amex Travel. Terms apply.
• Also, beginning Jan. 10, 2021, Amex Gold and Business Gold cardmembers can obtain a Fine Hotels + Resorts Complimentary Night or property credit (worth $250 or more) when booking an eligible stay at Fine Hotels + Resorts properties via Amex Travel. Terms apply.
• All U.S. American Express cardmembers enrolled in the Membership Rewards program can Pay with Points (or collect 2X Membership Rewards points) on prepaid car rentals booked through Amex Travel. Offer begins Jan. 10, 2021.
• Targeted American Express cardholders can cover charges by redeeming Membership Rewards points at a 40 percent discount on the redemption.
• Check your credit card account for Amex Offers, which include special discounts and rewards opportunities with select retailers.
• There are also various statement credit-earning opportunities for U.S. consumer and business co-branded Delta, Hilton Honors and Marriott Bonvoy Amex cards.
• Use Pay with Points or earn 2 Membership Rewards points per dollar on prepaid car rental bookings through AmexTravel.com.
• New American Express Gold and Platinum cardholders may be eligible for enhanced welcome offers when they sign up on Resy.com, a digital concierge service for access to fine dining, exclusive events and more.

Chase promotions

Chase boasts some of the best credit card offers in the business year-round, and that’s especially true when it comes to their travel credit cards and cash back cards. Also, note that, when it comes to Chase credit cards, you have access to a broad range of redemption opportunities for your points, ranging from cash back to statement credits, gift cards, merchandise or travel.

Limited-time Chase introductory offers

There are no introductory offers at this time.

Special intro bonus offers from Chase

Additional Chase promotions

• New World of Hyatt Credit Card cardholders who apply and are approved for the card by October 6, 2022 will receive two tier-qualifying night credits per eligible night from August 23, 2022 through December 31, 2022. The card is also extending its adaptive accelerator benefit in the top three spend categories through December 31, 2023.
• Starting Monday, August 1, Chase Sapphire and Chase Freedom cardmembers will be eligible to receive statement credits once they activate their Instacart+ membership at Instacart.com/Chase. (Must be logged into your Instacart account to access.) Enrollment for the offer expires on July 31, 2024.
• Get 5 percent cash back on up to $1,500 in combined purchases at gas stations, on car rentals, select live entertainment and movie theatres from July through September 2022, with your Chase Freedom or Chase Freedom Flex℠ card upon enrollment. Activate the Q3 2022 bonus categories by September 14, 2022, here for Chase Freedom and here for Freedom Flex.
• Until August 19, 2022, you can redeem your Chase Ultimate Rewards points for 50 percent more when transferring them to the Marriott Bonvoy loyalty program. Normally, transfer rates are 1:1, and this promotion gives you a 1:1.5 value for your points.
• Between June 15, 2022, and July 31, 2024, eligible Chase credit cardholders can receive a 1-time free Instacart+ membership for 3, 6, or 12 months. The length of the Instacart+ membership varies depending on the specific Chase credit card the customer holds. New and current Instacart+ members are eligible.  Check the Instacart Chase promotion page for more details.
• Earn 10X points on Starbucks purchases this summer. Eligible credit cards include the Chase Sapphire Reserve and Chase Sapphire Preferred card. Register your points-earning credit card through this link by Aug. 31, 2022.
• Chase cardholders with cards that earn Ultimate Rewards can earn 10 total points per dollar or 10 percent cash back on purchases made through Lyft’s “Fund a Ride” program through March 2025.
• Through Dec. 31, 2022, Chase Freedom, Chase Freedom Flex℠, Chase Freedom Unlimited® and Chase Freedom® Student points are worth 25 percent more when redeeming for donations to a dozen select charitable organizations with CPYB.
• With Chase Ink Business Plus or Ink Business Preferred® Credit Card , cardmembers can redeem points for eligible charitable contributions currently through Dec. 31, 2022 with CPYB.
• If you have an Ink Business Cash® Credit Card or an Ink Business Unlimited® Credit Card, your points are worth 25 percent more when redeemed for eligible charitable contributions through Dec. 31, 2022, with CPYB.
• Chase Sapphire Reserve cardmembers get a one-year DashPass membership with free delivery on DoorDash purchases of $12 or more (if activated by December 31, 2024).
• Chase Sapphire Preferred cardmembers also qualify for a one-year DashPass membership (if activated using your card by December 31, 2024). Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum.
• Earn between 5X and 10X points on all Lyft rides through March 2025 with select Chase credit cards.
• Eligible Chase cardholders can enroll here for a free ShopRunner membership, which includes free two-day shipping from participating merchants.
• Check your Chase credit card account for Chase Offers, which include special discounts and deals with participating restaurants, retailers and more.

Discover promotions

Discover credit cards are rewarding all year long since they offer cash back rewards on all your spending, and some offer unique bonus categories that change throughout the year. Also, be aware that Discover cards don’t charge annual fees or any foreign transaction fees.

Limited-time Discover introductory offers

***No limited-time intro offers currently available from Discover.

Other special intro bonus offers from Discover

Additional Discover promotions

• Discover it® Cash Back and Discover it® Student Cash Back are currently offering 5 percent back this quarter on the first $1,500 you spend at restaurants and PayPal through September 30, 2022. After you max out the $1,500 in spending, you’ll earn 1 percent back. Activation of bonus categories is required.
• Refer a friend to the Discover it Cash Back, Discover it Student Cash Back, Discover it® chrome, Discover it® Student chrome or Discover More® Card and earn a $50 referral bonus. A maximum of 10 referrals ($500) applies per calendar year.

Capital One promotions

Capital One offers some of the most flexible travel credit cards available today, and that’s on top of the cash back credit cards they offer to consumers with fair to excellent credit. Also, note that Capital One credit cards never charge foreign transaction fees, so they can help you avoid unnecessary charges when you use your credit card abroad.

Limited-time Capital One introductory offers

***No limited-time intro offers are currently available from Capital One.

Other special intro bonus offers from Capital One

Additional Capital One promotions

• Starting May 17, 2022, all Capital One rewards cardholders will have access to Capital One Travel where they’ll earn unlimited 5 percent cash back on hotels and rental cars booked through the portal.
• Starting May 17, 2022, Venture X cardholders will earn 10X miles and Venture cardholders will earn 5X miles when booking through the Turo app or on Turo.com (through May 16, 2023).
• Eligible Capital One credit cards also let you redeem your rewards for purchases made through Amazon.com. You must link your Capital One credit card to be eligible for this offer.
• Capital One customers with the Capital One Savor Cash Rewards Credit Card can earn 8 percent cash back on Vivid Seats purchases from March 19, 2019, through Jan. 31, 2023.

Citi promotions

Citi also offers plenty of rewards and travel credit cards, including co-branded credit cards with American Airlines and Costco. If you’re curious how you can save money or earn more rewards with Citi credit cards right now, explore the offers we highlight below.

Limited-time Citi introductory offers:

There are no introductory offers at this time.

Additional Citi promotions

• Use your Citi credit card or Citibank debit card to get special access to concerts, sporting events, dining, family entertainment and more through Citi Private Pass.
• Use your Citi Simplicity® Card to receive exclusive savings on local offers, gift cards, magazine subscriptions, merchandise, travel, daily deals and more through Citi Easy Deals.

Bank of America promotions

If you’re hoping to take advantage of Bank of America credit card offers, you should find out which ones currently have the best bonuses and ongoing rewards promotions. Fortunately, Bank of America offers a range of travel credit cards, cash back credit cards and general rewards cards geared to the average consumer.

Limited-time Bank of America introductory offers

Unfortunately, there are no current limited-time offers for Bank of America credit cards.

Additional Bank of America promotions

• Eligible Bank of America cardholders will receive Grubhub+ free for one year, providing unlimited $0 delivery fees on orders of $12 or more and exclusive Perks from restaurants on Grubhub. Cardholders who are not eligible for the offer can receive $5 off their next three orders of $15 or more.
• Bank of America Preferred Rewards members can earn 25 percent to 75 percent more rewards for each dollar they spend with eligible Bank of America credit cards.
• Active Bank of America, Merrill or Bank of America Private Bank (U.S. Trust) credit or debit cardholders with photo ID can qualify for one free general admission to participating museums the first full weekend of the month through the Museums on Us® promotion. Special exhibitions and fundraising events are excluded.

Any information about the Capital One Walmart Rewards® Mastercard®, United Explorer Card, Capital One Savor Cash Rewards Credit Card, World of Hyatt Credit Card, IHG Rewards Traveler Credit Card, Marriott Bonvoy Boundless, Marriott Bonvoy Bold and American Express® Green Card, Chase Ink Business Plus®, Chase Ink Cash®, and Chase Ink Business Unlimited® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.