The world of rewards credit cards is a competitive one. Issuers must constantly outdo one another to entice customers, often with enhanced card features and benefits. Lucrative sign-up bonuses are another big draw.
If you shop around, you can find plenty of cards offering bonuses of tens of thousands of points or miles. Some even offer six-digit bonuses, or generous cash payouts. Here’s a list of 10 of the biggest sign-up bonuses currently available. Before you choose a card, be sure to review whether its features and benefits match your needs, and that the annual fee and APR don’t eat away your entire bonus.
Chase Sapphire Preferred
- 100,000 points
The Sapphire Preferred Card is one of Chase’s best rewards cards and it now comes with a huge 100,000-point sign-up bonus. You’ll need to spend $4,000 on the card in the first three months after account opening to earn the bonus. The card charges a relatively modest $95 annual fee, and its APR ranges between 15.99% and 22.99%.
Capital One Venture
- 60,000 miles
This card offers unlimited 2x miles on all purchases and comes with a $95 annual fee. To qualify for the 60,000-point sign-up bonus, you’ll need to spend $3,000 on purchases in the first three months from account opening. APRs on the card range from 15.99% to 23.99%.
The Platinum Card From American Express
- 100,000 points
The large 100,000-point sign-up bonus on the Platinum Card From American Express is pretty generous for a card that also offers 10x points on restaurants and when you Shop Small. But to get the bonus, you’ll need to spend a significant $6,000 in the first six months of Card membership. You’ll also be responsible for a hefty $695 annual fee and an APY of 15.99% to 22.99% on any balances you carry.
Citi Premier Card
- 80,000 points
Spending $4,000 in the first three months after opening a Citi Premier Card will earn you a sizable 80,000-point sign-up bonus. The card has a modest $95 annual fee and charges an APY of 15.99% – 23.99% on outstanding balances.
Blue Cash Preferred From American Express
- $300 cash
Unlike many other rewards cards that pay out sign-up bonuses in miles or points, the Blue Cash Preferred Card From American Express pays out cold, hard cash, to the tune of $300 after spending $3,000 in the first six months after opening an account. In addition to a 6% cash-back rate on streaming subscriptions and U.S. supermarket purchases, the card waives the $95 annual fee for the first year. If you carry a balance, you’ll face an APR between 13.99% and 23.99%.
American Express Gold Card
- 60,000 points
The American Express Gold Card charges a $250 annual fee and carries an APY between 15.99% and 22.99%. However, you can earn a 60,000-point sign-up bonus by spending $4,000 on the card in the first six months after account opening. You can also customize the color of your card to rose gold.
Delta SkyMiles Platinum Business American Express Card
- 90,000 miles
Businesses that prefer flying Delta Airlines will enjoy the new, enhanced 90,000-mile sign-up bonus on the Delta SkyMiles Platinum Business American Express Card, granted after spending $3,000 on the card in the first three months. The annual fee on the card is $250, and the variable APY ranges between 15.74% and 24.74%.
United Quest Card
- 80,000 miles
The United Quest card offers a generous 80,000-mile sign-up bonus after $5,000 in purchases in the first three months your account is open. Frequent United flyers will enjoy the 3x miles on United purchases and numerous other benefits, which in conjunction with the lucrative sign-up bonus can help offset the card’s $250 annual fee and 16.49% – 23.49% APR.
United Business Card
- 75,000 miles
The United Business card requires a minimum spend of $5,000 in the first three months of card ownership, but provides a hefty sign-up bonus in return, in addition to numerous perks like a free first checked bag and priority boarding. The $95 annual fee is waived the first year. Those carrying a balance will be charged an APR between 16.49% and 23.49%.
The Business Platinum Card From American Express
- 100,000 points
Businesses looking for that elusive six-figure sign-up bonus will appreciate the 100,000 points on offer from the Business Platinum Card From American Express, available after spending $15,000 in the first three months. The card carries a $595 annual fee and charges an APY between 14.24% and 22.24%.