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Best credit card bonuses for November 2024

Updated November 01, 2024

Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.

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Best for travel bonus

Capital One Venture Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.9
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

75,000 miles

Rewards rate

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.74% (Variable)

Why you'll like this: Its sign-up bonus is one of the most valuable you can get on a general travel card at this cost.

Best for luxury travel

The Platinum Card® from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
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4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 80,000 points

Rewards rate

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Why you'll like this: It boasts perhaps the most valuable perks and intro bonus you can get on a travel rewards card.

Best for flexible travel redemption

Chase Sapphire Preferred® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
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5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

$300 Chase Travel℠ Credit + 60,000 bonus points

Rewards rate

1x - 5x

Annual fee

$95

Regular APR

20.99% - 27.99% Variable

Why you'll like this: Chase points hold an especially high value whether you use for travel or cash back, making it ideal for beginners and occasional travelers.

Best for practical travel perks

Capital One Venture X Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

75,000 miles

Rewards rate

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.74% (Variable)

Why you'll like this: Its streamlined rewards rates, sign-up bonus value and travel perks could make it a better bang for your buck than other premium travel cards.

Best cash back bonus

Blue Cash Preferred® Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn $250

Rewards rate

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

18.74%-29.74% Variable

Why you'll like this: It boasts an exceptional intro bonus and a top rewards rate in key everyday categories.

Best for flat-rate rewards

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

$200 cash rewards

Rewards rate

2%

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Best for foodies

Capital One Savor Cash Rewards Credit Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$250 Cash Back

Rewards rate

1% - 8%

Annual fee

$0

Regular APR

19.74% - 29.74% (Variable)

Why you'll like this: Its platter of rewards categories features some of the best rates you can get on grocery and restaurant purchases at a low cost.

Best for choice of cash back category

Bank of America® Customized Cash Rewards credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Intro offer

$200

Rewards rate

1% - 3%

Annual fee

$0

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Why you'll like this: Its bonus carries a low spend requirement and the card offers the flexibility to pick your top-rate bonus category, so it’s easy to maximize rewards.

Best airline bonus

Southwest Rapid Rewards® Plus Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn 50,000 points.

Rewards rate

1X - 2X

Annual fee

$69

Regular APR

20.99% - 27.99% Variable

Why you'll like this: Its intro bonus offers a terrific return on spend and a nice boost toward the Companion Pass, which could save you thousands on Southwest flights.

Best hotel bonus

Hilton Honors American Express Surpass® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.7
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 165,000 points

Rewards rate

3X - 12X

Annual fee

$150

APR

20.49%-29.49% Variable

Why you'll like this: Occasional Hilton guests can score a great intro offer, lucrative everyday rewards and valuable Hilton perks at a reasonable cost.

Best student sign-up bonus

Bank of America® Travel Rewards credit card for Students

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.9
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Intro offer

25,000 points

Rewards rate

1.5X

Annual fee

$0

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Why you'll like this: In addition to its beginner-friendly flat rewards rate, students can score one of the most valuable no-annual-fee card intro bonuses.

Best for business travel

American Express® Business Gold Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards rate

1X - 4X

Annual fee

$375

Regular APR

18.99% - 27.99% Variable

Why you'll like this: Frequent flyers looking to maximize point value via transfer partners may find this one of the most lucrative business cards in both the short- and long-term.

Limited Time Offer

Best business cash back bonus

Ink Business Unlimited® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn $900 bonus cash back

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.99% - 23.99% Variable

Why you'll like this: It boasts a streamlined rewards program and a more valuable intro bonus than most no-annual-fee business cards.

Best for category variety

Chase Freedom Flex®

Chase Freedom Flex®

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)

Intro offer

$200

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

19.99% - 28.74% Variable

Why you'll like this: Its year-round bonus categories and extraordinary perks can provide more first-year and ongoing value than other rotating category cards.

compare
Compare

Compare Bankrate's top credit card bonus offers

Card Welcome offer Annual fee Bankrate review score
Intro Offer: 75,000 miles
Info Icon
Regular APR: 19.99% - 29.74% (Variable)
$95

4.9 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: Earn 80,000 points
Info Icon
Regular APR: See Pay Over Time APR
$695

4.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: $300 Chase Travel℠ Credit + 60,000 bonus points
Info Icon
Regular APR: 20.99% - 27.99% Variable
$95

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Intro Offer: 75,000 miles
Info Icon
Regular APR: 19.99% - 29.74% (Variable)
$395

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: Earn $250
Info Icon
Regular APR: 18.74%-29.74% Variable
$0 intro annual fee for the first year, then $95.

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: $200 cash rewards
Info Icon
Regular APR: 19.74%, 24.74%, or 29.74% Variable APR
$0

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Intro Offer: $250 Cash Back
Info Icon
Regular APR: 19.74% - 29.74% (Variable)
$0

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: $200
Info Icon
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
$0

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Intro Offer: Earn 50,000 points.
Info Icon
Regular APR: 20.99% - 27.99% Variable
$69

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Intro Offer: Earn 165,000 points
Info Icon
Regular APR: 20.49%-29.49% Variable
$150

4.7 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: 25,000 points
Info Icon
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
$0

3.9 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Intro Offer: Earn 100,000 points
Info Icon
Regular APR: 18.99% - 27.99% Variable
$375

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: Earn $900 bonus cash back
Info Icon
Regular APR: 17.99% - 23.99% Variable
$0

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Image of Chase Freedom Flex®
Chase Freedom Flex®
Intro Offer: $200
Info Icon
Regular APR: 19.99% - 28.74% Variable
$0

What is a credit card bonus?

A credit card bonus — whether it’s called a sign-up bonus, intro bonus or welcome offer — is an incentive for new cardholders. In most cases, you’ll need to spend a certain amount on purchases with your new card within a specified time period (usually three to six months) to earn these bonuses. They mostly come as cash back, points or travel miles, but can also be one-time discounts or gift cards.

Credit card bonuses can offer great value if the spending requirement falls within your regular spending habits, but a high return isn’t always guaranteed. If you’re comparing bonus offers, consider whether they offer a good return on your spending (at least 20 percent for a consumer card).

Types of credit card bonuses

Credit card bonuses are typically distributed as additional cash back, points or miles. However, several types of welcome offers can be just as valuable — if not more so — than traditional, straightforward offers.

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These offers are the most straightforward to earn and are available on several credit cards. They’re great if you want to earn a lump sum payment for short-term spending. These bonuses can come in points, miles or cash back, depending on the card. The Capital One Savor Cash Rewards Credit Card is a great example of a card with great first-year value for low initial spending.

No-annual-fee cards usually offer a $200 value for a $500 to $1,000 spend within the first three months, and premium card bonuses often go up to $500 to $800 for a $4,000 to $6,000 spend in the first three to six months. Business cards sometimes offer an even more valuable bonus with a higher spending requirement in exchange.

Co-branded airline or hotel credit cards often offer perks like airfare companion passes or free night awards for meeting bonus spending requirements. One example is the Alaska Airlines Visa Signature® credit card, which includes Alaska’s Famous Companion Fare™ as part of its limited-time welcome offer. 

Cards can sometimes offer boosted rewards rates in special bonus categories when you first open the card. These limited-time bonus categories usually expire after you reach a spending cap and/or after a certain time (like after the first three months, six months or year). For example, we’ve seen some cards provide a temporary 3 percent to 5 percent back on additional categories like travel, dining or groceries.

This type of welcome offer doesn’t hold a set value. It’s based instead on your spending. These offers typically match the rewards you earn within a set period and can be especially valuable for big spenders. The best example is the Cashback Match you can find on Discover’s rewards cards.

A credit card may offer an upfront bonus the moment you’re approved instead of setting a spending requirement. This offer is more common among store credit cards, such as the Amazon gift card that comes with opening the Prime Visa card.

Our data: Ranking credit card bonuses

Our points and miles valuations play a vital role when we’re evaluating and comparing credit card bonuses. After all, the number of points or miles that come with a bonus don’t mean much if their redemption value is low. Only by estimating the average redemption value of points and miles can we get a clear sense of the true value of a card bonus. 

Many of the top rewards cards carry bonuses that are worth several hundreds or even thousands of dollars, but most carry a far lower value. 

Here’s a look at the top bonus offers currently available on this page, sorted by their estimated redemption value. You can also see the spending required to earn each bonus, as well as where its value ranks compared to the bonuses of other cards in the same category in our scoring database.

Card name
Spending requirement
Estimated value*
Return on spend
Value ranking*
American Express® Business Gold Card Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* $2,000 13% Better value than 98% of business cards
The Platinum Card® from American Express Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. $1,600 20% Better value than 97% of rewards cards
Capital One Venture X Rewards Credit Card Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel $1,275 32% Better value than 95% of rewards cards
Capital One Venture Rewards Credit Card 75,000 miles once you spend $4,000 on purchases within 3 months from account opening $1,275 32% Better value than 95% of rewards cards
Southwest Rapid Rewards® Plus Credit Card Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. $750 75% Better value than 77% of rewards cards
Chase Sapphire Preferred® Card Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year. $1,500 35% Better value than 96% of rewards cards
Hilton Honors American Express Surpass® Card Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. $990 33% Better value than 82% of rewards cards
Ink Business Unlimited® Credit Card Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. $900 15% Better value than 68% of business cards
Bank of America® Travel Rewards credit card for Students 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. $250 25% Better value than 99% of student cards
Blue Cash Preferred® Card from American Express Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. $250 8% Better value than 85% of cash back cards
Wells Fargo Active Cash® Card Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months $200 40% Better value than 51% of cash back cards
Capital One Savor Cash Rewards Credit Card $250 Cash Back after you spend $500 on purchases within 3 months from account opening $200 40% Better value than 51% of cash back cards
Chase Freedom Flex® Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening $200 40% Better value than 51% of cash back cards
Bank of America® Customized Cash Rewards credit card $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. $200 20% Better value than 51% of cash back cards

* Bonus values and rankings are based on Bankrate’s points and miles valuations and the current bonus available on each card compared with the values of other cards’ bonuses in our rankings database.

What people say about credit card bonuses

In various online forums, including Reddit, many users have recently singled out Capital One credit cards as offering some of the best sign-up bonuses on the market. Capital One bonuses are often cited as a major draw for prospective cardholders and are credited with helping users quickly earn valuable rewards.

One user highlights the Capital One Venture X Rewards Credit Card as offering an impressive sign-up and annual bonus, as well as great ongoing value (especially paired with the Capital One Savor Cash Rewards Credit Card):

“I like the Capital One duo ([the Venture X and Savor]). The [Venture X] will give a nice … sign up bonus, and the statement credits + anniversary points easily cover the [annual fee].” 

Reddit User*

Another user cites the speed with which Capital One credits sign-up bonuses to cardholder accounts:

“I like the lineup of Capital One cards. They always pay sign-up bonuses promptly, and they have good cash back with easy processes for redemption. They are also easier to deal with than the big banks.”

Reddit User*

Along with praise for specific sign-up bonuses, users share general advice on how to find the rewards card that fits you best. One key point: Don’t let the bonus be the only feature you consider. 

One user emphasizes the importance of long-term value and picking the card that best fits your spending habits:

“No fee cards with modest bonuses are nice to take out routinely, but I try to be tactical about this where some of these cards have a long-term use for specific categories … Hefty fee cards usually have higher bonuses, but [I] would encourage you to not force yourself to spend the money they offer — should be a natural fit into your life[.]” 

Reddit User*

As you consider cards and card bonuses, you should also consider whether you can meet any spending requirements without overspending or going into debt. Additionally, create a plan for how you’ll redeem rewards to maximize the value of your sign-up bonus.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Maximize your credit card bonus

To make the most of a credit card bonus, you should continue to make wise credit decisions and avoid debt to keep your balance manageable. Irresponsible card use and purchases could offset the value of your new bonus with interest charges. Here are some tips for making sure you don’t outpace the value of your new bonus with interest charges and fees:

  • Plan ahead: Assess the offer’s spending requirements and the value of the points you’ll earn. Make sure that you also have a plan for the type of points you earn. 
  • Spend normally: Make timely payments and stay within your budget. If you spend beyond your means, you risk running up interest charges that can eat away at the value of your bonus or ongoing rewards.
  • Research redemptions: Bankrate’s points and miles valuation page can help you understand the value of any potential bonus. If your bonus rewards you with points or miles, redeem your rewards wisely to make the most of it.
  • Consider long-term value: New credit accounts lower your average account age, hurting your credit score. While bonuses can be attractive incentives, they shouldn’t be your sole reason for choosing a credit card. Avoid opening new cards just for the bonus unless these cards will help you in the long term.

How this Bankrate expert chooses cards with sign-up bonuses

Here’s how Bankrate writer and credit card expert, Ryan Flanigan, filters through his options when looking for a new credit card with a sign-up bonus:

“Getting a good sign-up bonus is one of the most important factors to consider when opening a new card. I place a lot of focus on how the current offer compares to previous offers because getting a lower offer than what came before can be lost value.

I also think about how the card will meet my needs overall. If I have a travel goal with an airline or hotel, a sign-up bonus can give me a big boost toward the amount of miles or points I need. Also, will any bonus categories help me earn more points while spending towards meeting the bonus? The more value I can extract initially, the better set up I'll be towards meeting my travel or cash back goals.

Lastly, I consider if I can achieve the spending requirement in the allotted time frame. The biggest mistake someone can make is failing to spend enough to earn the welcome bonus because you won't get another chance. If I have large upcoming expenses, I try to put them towards a new sign-up bonus. Strategic spending like this can help defray larger costs by giving me a bigger return. While there are definitely many factors to consider when picking the right card with an ideal sign-up bonus, I can get a ton of value when I manage my spending wisely.”

— Ryan Flanigan, Writer, Credit Cards

 

Frequently asked questions about credit cards with sign-up bonuses

Ask the experts: Should I continually look to apply for new cards, so that I can keep earning sign-up bonuses?


Contributor, Credit Cards

Sign-up bonuses are fabulous. They enable you to earn cash back, points, or miles after you hit the minimum spend. However, many credit card companies have rules in place that prevent you from earning the bonus each time you open a new account with them. Check the issuer’s restrictions before you keep opening new credit card accounts. Still, even with an attractive bonus, you should only pursue the credit cards you need and will use. After all, every card you have must be managed, so if you have too many, you may unnecessarily complicate your life!

Financial Educator, Debt and Credit

There’s nothing wrong with opening a new account to earn a bonus, but keep in mind two factors that can negatively impact your credit score. First, frequent hard pulls of your credit report, which are required as part of a new account application process, may lower your score. Second, having too many accounts with a short length of credit history, may also have a negative effect. For these reasons, it’s typically not a good idea to constantly open new lines of credit. Opening one or two new lines per year is usually fine, but take care to pay off balances in full every month so that you don’t negate the benefit of the sign-up bonuses by paying high interest rates on revolving balances.

Contributor, Personal Finance

Sign-up bonuses are a great benefit of some new credit cards, but you’ll want to be strategic about how often you’re applying for new cards just to get the big bonus points. Opening new lines of credit does affect your credit score, so apply wisely — especially if you’re considering applying for a large line of credit like a mortgage where your score plays an important factor. Many banks have also instituted rules about frequent bonus earning. You may not be able to get a bonus more than once in a lifetime, or within a lengthy time period, on a specific card, so you’ll want to check these rules first. It’s not bad to have multiple cards, but it’s important to consider your short and longer term earning plan before you start applying.

How we assess the best credit cards with bonus offers

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250+
cards rated
Congrats Icon
50+
rewards programs valued
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5000
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

When evaluating the best credit cards with bonus offers, we consider both the quality of a card bonus itself and the card’s long-term value, including its cost and perks. 

We calculate the value of each card’s bonus based on our internal point and mile valuations (assuming it’s not a cash bonus) and compare this to the value of bonuses available on cards in a similar category and at a similar price level. We also consider the spending required to earn each bonus.

After identifying cards that carry valuable bonuses with a high return on spend, we factor in how cards score overall in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large welcome bonus to saving on interest. 

We analyzed over 250 of the most popular credit cards and selected standouts with high-value bonuses. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here’s a quick look at the factors that make up our card scoring methodology for rewards, cash back and business cards (the card types most likely to offer welcome bonuses), along with more information on how we assess the quality of card bonuses themselves.

Rewards & cash back card scoring factors

5
Rating: 5 stars out of 5
Overall Score
  • Value 65%
  • Flexibility 15%
  • Perks 15%
  • Customer experience 5%

Business card scoring factors

5
Rating: 5 stars out of 5
Overall Score
  • Value 40%
  • Flexibility 20%
  • Perks 20%
  • Customer experience 20%