Sign up bonus credit cards
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CK Editors’ Tips††: Credit card sign-up bonuses can be one of the best ways to load up on rewards, but you’ll want to make sure the card also offers ongoing value.Read more
What to consider when choosing a credit card with a sign-up bonus
It’s always important to see if a credit card has a useful sign-up bonus, but it usually shouldn’t be your only reason to get a card. While these bonuses can help boost your rewards balances within a few short months of opening the card, there’s ultimately no substitute for ongoing value, especially when you’re paying an annual fee. Plus, you’ll want to make sure you’re not spending more than you can afford just to hit the threshold for earning the bonus.
It’s always important to see if a credit card has a useful sign-up bonus, but it usually shouldn’t be your only reason to get a card. While these bonuses can help boost your rewards balances within a few short months of opening the card, there’s ultimately no substitute for ongoing value, especially when you’re paying an annual fee. Plus, you’ll want to make sure you’re not spending more than you can afford just to hit the threshold for earning the bonus.
How we picked the best credit card sign-up bonuses
Our list of the best credit card sign-up bonuses involves assessing the latest offers available from issuers and determining each bonus’s value via Credit Karma’s most recent estimated point valuations. We then check the list each month to determine if the bonuses are still active and relevant, and we add new top bonuses when appropriate. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksOur list of the best credit card sign-up bonuses involves assessing the latest offers available from issuers and determining each bonus’s value via Credit Karma’s most recent estimated point valuations. We then check the list each month to determine if the bonuses are still active and relevant, and we add new top bonuses when appropriate. Read more about our methodology for picking the best credit cards.
Great for maximizing travel rewards††
Great for maximizing travel rewards††
Chase Sapphire Preferred® Card
Rewards rate
1x - 5xPoints per dollarAnnual fee
$95Welcome bonus
60,000PointsEditors' bonus estimate
up to $1,278
Rewards rate
1x - 5x Points per dollar
Annual fee
$95
Welcome bonus
60,000 Points
Editors' bonus estimate
up to $1,278
- 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 through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Rewards rate
1.5xPoints per dollarAnnual fee
$0Welcome bonus
25,000PointsEditors' bonus estimate
up to $250
Rewards rate
1.5x Points per dollar
Annual fee
$0
Welcome bonus
25,000 Points
Editors' bonus estimate
up to $250
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 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.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Rewards rate
1% - 3%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1% - 3% Cash back
Annual fee
$0
Welcome bonus
$200
- $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 in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for rotating cash back categories††
Great for rotating cash back categories††
Discover it® Cash Back
Rewards rate
1% - 5%Cash backAnnual fee
$0
Rewards rate
1% - 5% Cash back
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Great for a loan alternative††
Great for a loan alternative††
Upgrade Select Visa ®
Rewards rate
N/AAnnual fee
$39Welcome bonus
$200
Rewards rate
N/A
Annual fee
$39
Welcome bonus
$200
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Combine the flexibility of a card with the predictability of a personal loan
Great for gas and restaurants††
Great for gas and restaurants††
Discover it® Chrome
Rewards rate
1% - 2%Cash backAnnual fee
$0
Rewards rate
1% - 2% Cash back
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Great for longer hotel stays††
Great for longer hotel stays††
Citi Premier® Card
Rewards rate
1x - 10xPoints per dollarAnnual fee
$95Welcome bonus
60,000PointsEditors' bonus estimate
up to $684
Rewards rate
1x - 10x Points per dollar
Annual fee
$95
Welcome bonus
60,000 Points
Editors' bonus estimate
up to $684
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Great for United rewards with no annual fee††
Great for United rewards with no annual fee††
United Gateway℠ Card
Rewards rate
1x - 2xMiles per dollarAnnual fee
$0Welcome bonus
20,000MilesEditors' bonus estimate
up to $426
Rewards rate
1x - 2x Miles per dollar
Annual fee
$0
Welcome bonus
20,000 Miles
Editors' bonus estimate
up to $426
- Earn 20,000 bonus miles
- No annual fee
Great for United flight credits††
Great for United flight credits††
United Quest℠ Card
Rewards rate
1x - 3xMiles per dollarAnnual fee
$250Welcome bonus
60,000MilesEditors' bonus estimate
up to $1,278
Rewards rate
1x - 3x Miles per dollar
Annual fee
$250
Welcome bonus
60,000 Miles
Editors' bonus estimate
up to $1,278
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
Great for frequent traveler perks††
Great for frequent traveler perks††
United℠ Business Card
Rewards rate
1x - 2xMiles per dollarAnnual fee
$0 Intro Annual Fee for the First YearWelcome bonus
75,000MilesEditors' bonus estimate
up to $1,598
Rewards rate
1x - 2x Miles per dollar
Annual fee
$0 Intro Annual Fee for the First Year
Welcome bonus
75,000 Miles
Editors' bonus estimate
up to $1,598
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.