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Credit card rewards are big business. Forty-seven percent of adults say they’ve used a credit card simply for its rewards. Many credit card rewards are sold based on the promise of free travel. In contrast, we save and invest our credit card rewards.

Over three years, our invested rewards have grown to $30,676.28. Signup bonuses have been a big part of this balance. While we never get a card solely for the signup bonus, it is a big part of our evaluation.

With that in mind, here are seven cards that offer some of the best signup deals. Note that I cover hundreds of credit card signup bonuses at allcards.com.

7 Credit Card Signup Bonuses

1. Venture X—$750 Bonus

Capital One’s Venture X card offers a 75,000-mile signup bonus when you spend $4,000 on the card within three months of account opening. Capital One’s miles have a value of 1 cent/mile when used for travel. As such, the signup bonus is worth up to $750.

The card does come with a $395 annual fee. That fee, however, is offset by a number of other perks. Cardmembers earn a 10,000-mile anniversary bonus worth up to $100, a $300 annual travel credit when they book through Capital One Travel, and a $100 credit for Global Entry or TSA PreCheck.

2. Amex Platinum—$1,500 Bonus

As with many Amex cards, this card has a high annual fee of $695, but with it comes some major perks. The Amex Platinum card awards an impressive 150,000 point signup bonus when you spend $6,000 on your new card with six minutes of account opening.

This card has a laundry list of perks, including up to 5x points earned on flights and prepaid hotels, a $200 annual credit for both airlines and hotels, even a statement credit for the cost of a monthly Walmart+ membership. It also offers statement credits for Uber, Equinox, SoulCycle at-home and Saks when you use your Amex card.

Keep in mind that the value of Amex Memebership Rewards points depends on how they are redeemed.

3. Chase Sapphire Preferred—$750 Bonus

The Chase Sapphire Preferred card’s signup bonus is another solid choice, offering cardholders a 60,000 bonus when they spend $4,000 on purchases within three months of account opening, plus a $95 annual fee.

Cardholders also get an annual $50 hotel credit for hotel stays booked and 5x on travel purchases booked through Chase Ultimate Rewards, plus 2x points on all other travel purchases and 3x on online grocery purchases, though not at Walmart, Target, and wholesale club stores. Other perks include a 10 percent anniversary award, meaning you’ll earn points equal to 10 percent of what you spent on your card the past year.

The value of Chase points varies by card. The value of the bonus on the Sapphire Preferred card assumes points are used to book travel through Chase.

4. U.S. Bank Altitude Connect—$500

If you want a card with a lower spending requirement to earn the signup bonus, then the U.S. Bank Altitude Connect could be for you. Spend just $2,000 within 120 days of opening your card and earn a solid 50,000 point bonus.


The card offers 5x points on prepaid hotel and car rentals booked via the Altitude Rewards Center, 4x points on gas and travel, 2x points on grocery stores and dining out, and 1x points on all other purchases. It also comes with a $100 credit for Global Entry or TSA PreCheck®. This card offers a $0 annual fee for the first year and a $95 annual fee every year after.

5. Chase Freedom Unlimited—$200 Bonus

If you’d prefer a more cash-heavy signup bonus, then the Chase Freedom Unlimited card might be for you. Not only does this card not have an annual fee, it also offers a signup bonus of $200 cash back when you spend $500 within the first three months. Take advantage of other cashback options with this card, from 5% on travel booked through Chase Ultimate Rewards to 3% on dining and takeout, 3% on drugstore spends and 1.5% on all other purchases.

6. Citi Premier—$800 Bonus

Earn a 80,000 point signup bonus when you spend $4,000 within three months of account opening with your Citi Premier card. Points can be redeemed for travel or gift cards valued at $800. You can also transfer points to Citi’s travel partners to earn more value.

This card has several other perks, like 3x points for restaurant, supermarket, and gas station spends, plus 3x points for air travel and hotels and 1x for all other purchases. You’ll also earn an annual $100 hotel credit, plus no foreign transaction fees. The annual fee for the Citi Premier card is $95.

7. Amex Gold—$900 Bonus

Our second Amex pick on the list, the American Express Gold card comes with a hefty signup bonus—90,000 points—and a bit more time to get there, with a $4,000 minimum spend within the first six months of account opening.

With that, you’ll earn 4x points at restaurants and supermarkets, 3x points for flights, and 1x on all other spends. You’ll also get a $120 annual Uber credit when you link your card to your Uber account. The annual fee for this card is $250.

Bonus Card—Chase Ink Preferred—$1,250

I’ll add one additional card for those who own a small business, including those with side hustles. I picked up the Chase Ink Preferred card this year for its excellent signup bonus (100,000 points after spending $4,000 in the first 3 months) and ongong rewards. It does come with a $95 annual fee, but the rewards more than make up for the cost.

The credit card rewards space can be intimidating. But it’s all about finding the best card for you, whether you’re looking for the lowest annual fee, the best signup bonus or the most points awarded for travel spends. And if you save and invest your rewards, they can grow to a significant sum.


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