Skip to Main Content

Guide to credit card special offers and limited-time promotions

Person on a phone sitting on couch
mapodile/Getty Images
Person on a phone sitting on couch
mapodile/Getty Images
Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

ON THIS PAGE Jump to Open page navigation

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

Card name Offer details
American Express® Gold Card
  • Earn 60,000 Membership Rewards points when you spend $4,000 on purchases within six months of account opening
Blue Cash Everyday® Card from American Express
  • Earn $200 back after you spend $2,000 in purchases on your new card within the first 6 months of card membership. You will receive cash back in the form of statement credits
The Platinum Card® from American Express
  • Earn 100,000 Membership Rewards Points after you spend $6,000 on purchases within the first 6 months of card membership
Blue Cash Preferred® Card from American Express
  • Earn $350 back after you spend $3,000 in purchases on the card within the first 6 months of card membership. You will receive cash back in the form of statement credits
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership
American Express Blue Business Cash™ Card
  • Earn a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months
Marriott Bonvoy Business® American Express® Card review
  • Limited Time Offer: Earn 125,000 Marriott Bonvoy Bonus Points after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 8/31/22
Marriott Bonvoy Brilliant™ American Express® Card
  • Earn 75,000 Marriott Bonvoy bonus points after you use your new card to make $3,000 in purchases within the first three months.

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 Brillant 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

Card name Offer details
Chase Sapphire Preferred® Card
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem for travel through Chase Ultimate Rewards®
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 in the first 3 months from account opening
Chase Freedom Flex℠
  • $200 cash bonus when you spend $500 within 3 months of account opening
Chase Freedom Unlimited®
  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)
Ink Business Cash® Credit Card
  • $750 bonus cash back when you spend $7,500 within 3 months of account opening
Ink Business Unlimited® Credit Card
  • $750 bonus cash back when you spend $7,500 within 3 months of account opening
Ink Business Preferred® Credit Card
  • 100,000 points when you spend $15,000 on your card within 3 months of account opening (worth $1,250 in travel booked through Chase Ultimate Rewards)
IHG® Rewards Traveler Credit Card
  • 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
World of Hyatt Credit Card
  • Earn up to 60,000 Bonus Points – 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, up to 30,000 more Bonus Points with 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first 6 months of account opening
United℠ Business Card
  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Marriott Bonvoy Boundless ® Credit Card*
  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases

Marriott Bonvoy Bold® Credit Card*
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

Additional Chase promotions

  • 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.
  • Until July 31, 2022, you can redeem your Chase Ultimate Rewards for 30 percent more when transferring them to the British Airways Avios loyalty program. Normally, transfer rates are 1:1, and this promotion gives you a 1:1.3 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

Card name Offer details
Discover it® Cash Back 
  • Discover will match all the cash back rewards you earn after your first year through their Cashback Match program

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 gas stations and Target through June 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

 

 

Card name Offer details
Capital One Venture X Rewards Credit Card
  • Enjoy a one-time bonus of 75,000 miles after spending $4,000 on purchases within the first three months
Capital One Venture Rewards Credit Card
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Capital One Walmart Rewards® Mastercard®
  • Earn 5 percent back in Walmart stores for the first 12 months when you use your Capital One Walmart Rewards Card and pay with Walmart Pay
Capital One SavorOne Student
  • Earn $100 when you spend $100 in the first three months of opening an account
Capital One Quicksilver Student
  • Earn $100 when you spend $100 in the first three months of opening an account

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

  • 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.

Written by
Aja McClanahan
Personal Finance Writer
Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter."
Edited by
Senior Editor, Credit Card Product News
Reviewed by
Former Senior Director of Content
up next
Part of  Maximizing Credit Card Rewards