10 Credit Cards To Consider for a Big Signup Bonus

Update: Some offers mentioned below are no longer available or the benefits and terms have changed. View the issuer’s site for current information.

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.

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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.

• 60,000 points

The Sapphire Preferred Card is one of Chase’s best rewards cards and it now comes with a 60,000-point welcome offer. 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.

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• 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%.

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• 100,000 points

The large 80,000-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.

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• 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.

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• $250 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 (in the form a statement credit), to the tune of $250 after spending $3,000 in the first six months after opening an account. You will earn a 6% cash-back rate on streaming subscriptions and U.S. supermarket purchases (up to $6,000 per year in purchases at U.S. supermarkets, then 1%). The card charges a $95 annual fee after a $0 intro annual fee for the first year.

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• 60,000 points

The American Express Gold Card charges a $250 annual fee. 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.

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• 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 17.24% and 26.24%.

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• 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.

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• 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%.

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• 120,000 points

Businesses looking for that elusive six-figure sign-up bonus will appreciate the 120,000 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 15.74% and 23.74%.

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