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Best Credit Card Sign-Up Bonuses
Compare sign-up bonuses across issuers — valued at per-currency rates
| Card | SUB Value ↓ | Min Spend | Annual Fee |
|---|---|---|---|
|
Amex Business PlatinumElevated
|
$5,400
Up to 300,000 MR @ 1.8¢
Standard offer is up to 300,000 points after $20,000 in 3 months. Amex reveals the actual offer before acceptance; 250,000 or lower may appear. Try incognito or another browser if the offer is lower. |
$20,000 / 90d | $895 |
|
Chase Sapphire Reserve for BusinessElevated
|
$4,000
200,000 UR @ 2.0¢
|
$30,000 / 180d | $795 |
|
Amex Business GoldElevated
|
$3,600
Up to 200,000 MR @ 1.8¢
Standard offer is up to 200,000 points after $15,000 in 3 months. Amex reveals the actual offer before acceptance. |
$15,000 / 90d | $375 |
|
Amex PlatinumElevated
|
$3,150
Up to 175,000 MR @ 1.8¢
Elevated offer. Once-per-lifetime rule applies. |
$12,000 / 180d | $895 |
|
Chase Sapphire ReserveElevated
|
$2,500
Up to 125,000 UR (in branch) @ 2.0¢
The 125,000-point headline is the reported in-branch offer; confirm it with the banker before applying. The public online offer is 100,000 points after $6,000 in 3 months. The former 150,000-point referral offer is marked expired. |
$6,000 / 90d | $795 |
|
Chase Ink Business Preferred
|
$2,000
100,000 UR @ 2.0¢
Does NOT count toward 5/24 when approved. 3x travel, shipping, ads. |
$8,000 / 90d | $95 |
|
Citi AAdvantage ExecutiveElevated
|
$1,875
125,000 AAdvantage Miles @ 1.5¢
|
$15,000 / 150d | $695 |
|
Amex Gold
|
$1,800
100,000 MR @ 1.8¢
4x dining and groceries. Once-per-lifetime rule. |
$8,000 / 180d | $325 |
|
Chase AeroplanElevated
|
$1,725
Up to 115,000 Aeroplan Points @ 1.5¢
|
$20,000 / 365d | $195 |
|
Chase Sapphire PreferredElevated
|
$1,500
75,000 UR @ 2.0¢
Current public offer. DoC reports targeted pre-approved offers as high as 125,000 points. 5/24 and Sapphire eligibility rules apply. |
$5,000 / 90d | $95 |
|
Chase Ink Business CashElevated
|
$1,500
75,000 UR @ 2.0¢
$750 cash back is tracked by Chase as 75,000 Ultimate Rewards points. Lifetime eligibility limits apply. |
$6,000 / 90d | $0 |
|
Chase Ink Business UnlimitedElevated
|
$1,500
75,000 UR @ 2.0¢
$750 cash back is tracked by Chase as 75,000 Ultimate Rewards points. Lifetime eligibility limits apply. |
$6,000 / 90d | $0 |
|
Capital One Venture Business
|
$1,500
100,000 Miles @ 1.5¢
|
$10,000 / 90d | $95 |
|
Capital One Venture RewardsElevated
|
$1,125
75,000 Miles @ 1.5¢
Plus a $300 Capital One Travel credit for hotel and vacation-rental bookings in the first cardholder year. |
$4,000 / 90d | $95 |
|
Chase United ExplorerElevated
|
$1,125
75,000 United MileagePlus @ 1.5¢
|
$3,000 / 90d | $150 Waived yr 1 |
|
Chase Southwest Premier BusinessElevated
|
$1,120
80,000 Rapid Rewards @ 1.4¢
|
$3,000 / 90d | $149 |
|
Bank of America Atmos AscentElevated
|
$1,050
70,000 Atmos Points @ 1.5¢
|
$2,500 / 90d | $95 |
|
Amex Hilton AspireElevated
|
$1,000
200,000 Hilton @ 0.5¢
Diamond status, an annual Free Night Reward, and up to $400 in annual Hilton resort credits. Elevated offer. |
$6,000 / 180d | $550 |
|
Barclays GM Business
|
$1,000
100,000 GM Points @ 1.0¢
Points redeem toward a GM vehicle at 1c each; the discount applies after negotiation. |
$5,000 / 150d | $0 |
|
Capital One Spark CashElevated
|
$1,000
Cash back
$95 annual fee waived the first year. |
$10,000 / 90d | $95 Waived yr 1 |
|
Amex Hilton Honors BusinessElevated
|
$750
150,000 Hilton @ 0.5¢
Plus a Free Night Reward. |
$8,000 / 180d | $195 |
|
Chase IHG One Rewards PremierElevated
|
$700
140,000 IHG @ 0.5¢
140,000 points after $3,000 in 3 months. Free night on anniversary. |
$3,000 / 90d | $99 |
|
Barclays Wyndham Earner Business
|
$700
100,000 Wyndham Rewards @ 0.7¢
Tiered: 45,000 after $3,000/90d + 55,000 after $500 at Hotels by Wyndham/180d = 100,000 total. |
$3,500 / 180d | $149 |
|
Amex Hilton SurpassElevated
|
$650
130,000 Hilton @ 0.5¢
Plus a Free Night Reward. Gold status. Elevated offer. |
$3,000 / 180d | $150 |
|
Chase IHG Rewards Traveler
|
$400
80,000 IHG @ 0.5¢
Plus 10,000 points for adding an authorized user in the first 3 months. |
$2,000 / 90d | $0 |
|
Amex Hilton HonorsElevated
|
$350
70,000 Hilton @ 0.5¢
Plus a Free Night Reward. |
$2,000 / 180d | $0 |
Chase 5/24 rule: Chase denies most cards if you've opened 5+ new cards (any issuer) in 24 months. Apply for Chase cards first.
Full strategy guide
SUB valuations: Points valued at community consensus rates — Chase UR 2.0¢, Amex MR 1.8¢, Bilt 1.8¢, Citi TYP & Capital One 1.5¢, Wells Fargo 1.2¢, Marriott 0.7¢, Hilton & IHG 0.5¢. Cash bonuses shown at face value.
SUB Value Comparison
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