Current offers

Our credit card experts evaluated the current landscape of financial offers across several critical dimensions, including return on investment, minimum spend feasibility, and the long-term strength of each point ecosystem. By synthesizing these factors into a single value metric, we provide a ranked list of the most impactful opportunities available. These are the primary tools we use to build and execute our optimization strategies.

Sign-up bonus
300,000 points
Min spend
$20,000 first 3 months

American Express

Platinum Business

Elevate your business with the American Express Business Platinum Card and earn as high as 300,000 Membership Rewards® Points after you spend $20,000 in purchases within your first 3 months of Card Membership. These valuable points can unlock significant travel, including a 35% airline bonus on qualifying flights, or be transferred to a wide array of premium airline and hotel partners. Enjoy unparalleled perks like global airport lounge access and exclusive travel benefits designed to enhance every business journey.

Welcome offer As high as 300,000 Membership Rewards® Points after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership.

Sign-up bonus
175,000 points
Min spend
$12,000 first 6 months

American Express

Platinum Personal

Elevate your travel and lifestyle with the American Express Platinum Card. Earn up to 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. Unlock a world of premium benefits, including exclusive lounge access, valuable travel and lifestyle credits, and flexible points that transfer to global airline and hotel partners for unforgettable experiences.

Welcome offer As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.

Sign-up bonus
75,000 miles + $250
Min spend
$4,000 first 3 months

Capital One

Venture Rewards Personal

Embark on your next journey with the Capital One Venture card and unlock $1,000 in travel value! Earn 75,000 bonus miles and a $250 Capital One Travel credit after spending $4,000 on purchases within the first 3 months from account opening. Beyond the generous bonus, enjoy unlimited 2x miles on every purchase, no foreign transaction fees, and two complimentary annual lounge visits to elevate your travel experiences.

Welcome offer Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel

Sign-up bonus
$750
Min spend
$6,000 first 3 months

Chase

Ink Business Cash

Unlock a powerful start for your business with the Chase Ink Business Cash card! Earn a fantastic $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening. Beyond the bonus, maximize your rewards with 5% cash back on everyday business essentials like office supply stores and internet services, plus 2% back at gas stations and restaurants. Enjoy 0% intro APR on purchases for 12 months, all with no annual fee.

Welcome offer Earn $750 bonus cash back

Sign-up bonus
125,000 points
Min spend
$6,000 first 3 months

Chase

Sapphire Reserve Personal

Elevate your travel with the Chase Sapphire Reserve and earn 125,000 bonus Ultimate Rewards points after spending $6,000 on purchases in your first 3 months – a value of $1,875 when redeemed for travel through Chase. Beyond the bonus, unlock premium benefits including a $300 annual travel credit, complimentary airport lounge access through Priority Pass Select, and enhanced point value for travel redemptions.

Welcome offer Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening.

Sign-up bonus
100,000 points
Min spend
$6,000 first 6 months

American Express

Gold Personal

Unlock a world of rewards with the American Express Gold Card, starting with up to 100,000 Membership Rewards® points when you spend $6,000 on purchases in your first 6 months. Elevate your everyday spending by earning bonus points on dining at restaurants worldwide and at U.S. supermarkets. These flexible Membership Rewards points can unlock incredible travel experiences, complemented by valuable statement credits for dining and Uber Cash annually.

Welcome offer Apply and find out your welcome offer. As high as 100,000 Membership Rewards® points after you spend $6,000 in purchases on your new Card within the first 6 months of Card Membership.

Sign-up bonus
70,000 points
Min spend
$3,000 first 90 days

Bank of America

Alaska Airlines

Accelerate your travel dreams with the Alaska Airlines credit card. Earn 70,000 bonus Mileage Plan points and a valuable Companion Fare for just $99 (plus taxes and fees from $23) after you spend $3,000 or more on purchases within the first 90 days of account opening. This limited-time offer provides exceptional value for your next journey.

Welcome offer Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23).

Sign-up bonus
150,000 miles
Min spend
$30,000 first 3 months

Capital One

Venture X Business

Elevate your business travel with the Capital One Venture X Business card. Earn 150,000 bonus miles after spending $30,000 on purchases in the first 3 months, offering at least $1,500 in flexible travel redemptions. Beyond the bonus, enjoy premium airport lounge access, a $300 annual travel credit, and 10,000 anniversary miles to keep your business moving forward, all with the flexibility of a charge card with no preset spending limit.

Welcome offer Earn 150,000 bonus miles

Sign-up bonus
75,000 miles
Min spend
$4,000 first 3 months

Capital One

Venture X Personal

Elevate your travels with the Capital One Venture X Card. Earn 75,000 bonus miles after you spend $4,000 on purchases within the first 3 months from account opening—that's equal to $1,000 in travel. Unlock unparalleled benefits including a $300 annual travel credit, 10,000 anniversary bonus miles, and complimentary access to Capital One Lounges and Priority Pass locations worldwide.

Welcome offer Earn 75,000 bonus miles

Sign-up bonus
100,000 points
Min spend
$8,000 first 3 months

Chase

Ink Business Preferred

Boost your business's potential with the Chase Ink Business Preferred and earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. That's enough for $1,250 in travel when redeemed through Chase Ultimate Rewards, or potentially even more when transferred to airline and hotel partners. Accelerate your rewards on essential business spending categories like travel, shipping, and internet services, all while enjoying valuable travel protections and no foreign transaction fees.

Welcome offer Earn 100,000 bonus points

Sign-up bonus
$750
Min spend
$6,000 first 3 months

Chase

Ink Business Unlimited

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening. This bonus is equivalent to 75,000 Ultimate Rewards points, offering flexible redemption options for your business. Enjoy the added benefit of a 0% introductory APR on purchases for 12 months, all with a $0 annual fee.

Welcome offer Earn $750 bonus cash back

Sign-up bonus
80,000 miles
Min spend
$3,500 first 4 months

CitiBank

AAdvantage Executive / Platinum Select

Earn 80,000 AAdvantage® bonus miles with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® after spending $3,500 on purchases in the first 4 months, enough to help you reach your next destination on American Airlines and partner flights. Enjoy valuable travel perks like your first checked bag free on domestic AA itineraries and preferred boarding. Plus, benefit from no foreign transaction fees and get your $99 annual fee waived for the first year.

Welcome offer Earn 80,000 AAdvantage® bonus miles after $3,500 in purchases in the first 4 months

Sign-up bonus
$200
Min spend
$1,000 first 90 days

Bank of America

Customized Cash Rewards

Unlock a $200 online cash rewards bonus when you spend $1,000 on purchases in the first 90 days. Elevate your earnings with 6% cash back in the category of your choice for your entire first year. Plus, enjoy 0% Intro APR on purchases for 15 billing cycles and pay no annual fee.

Welcome offer Earn 6% cash back in the category of your choice for the first year, plus a $200 online cash rewards bonus.

Sign-up bonus
60,000 points
Min spend
$4,000 first 90 days

Bank of America

Premium Rewards Standard

Elevate your travel with the Bank of America Premium Rewards credit card and earn 60,000 online bonus points—a $600 value—after spending $4,000 on purchases in your first 90 days. This card effectively covers its annual fee with up to $100 in annual airline incidental statement credits and up to $100 for TSA PreCheck® or Global Entry application fees every four years. Plus, enjoy no foreign transaction fees on all your international adventures.

Welcome offer 60,000 online bonus points offer — a $600 value

Sign-up bonus
25,000 points
Min spend
$1,000 first 90 days

Bank of America

Travel Rewards

Earn 25,000 online bonus points, a $250 value redeemable for travel and dining, after you spend just $1,000 in purchases within your first 90 days. Enjoy no annual fee, no foreign transaction fees, and a 0% Intro APR on purchases for 15 billing cycles, making every trip more rewarding.

Welcome offer Earn 25,000 online bonus points (a $250 value)

Sign-up bonus
75,000 points
Min spend
$5,000 first 3 months

Chase

Sapphire Preferred Personal

Earn 75,000 bonus Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred card. These valuable points can be redeemed for travel at an elevated rate through Chase Ultimate Rewards, or transferred 1:1 to popular airline and hotel loyalty programs for maximum value. Enjoy comprehensive travel protections and a $50 annual hotel credit, making your journeys smoother and more rewarding.

Welcome offer Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Sign-up bonus
150,000 points
Min spend
$20,000 first 3 months

Chase

Sapphire Reserve Business

Launch your business into a new era of rewards with the Chase Sapphire Reserve Business card. Earn 150,000 bonus points after spending $20,000 on purchases in the first 3 months from account opening, setting your business up for substantial future value. Designed as a Pay in Full Card for optimal financial management, it also offers the flexibility to pay certain Flex for Business balances over time with interest, along with employee cards at no additional cost. With a $795 annual fee, this card is tailored for businesses ready to unlock premium benefits and elevate their purchasing power.

Welcome offer Earn 150,000 bonus points

Sign-up bonus
20,000 points
Min spend
$1,000 first 3 months

CitiBank

Strata Rewards+

Earn 20,000 bonus ThankYou Points with the Citi Strata Rewards+ card after you spend $1,000 on purchases within the first 3 months of account opening. Redeem your bonus points for a variety of rewards, including travel or gift cards. Plus, enjoy a 0% Intro APR for 15 months on both purchases and balance transfers, all with a $0 annual fee.

Welcome offer Earn 20,000 bonus points after spending $1,000 in the first 3 months

Sign-up bonus
15,000 points
Min spend
$3,000 first 3 months

American Express

Blue Business

Elevate your business spending with the Blue Business Plus Card from American Express. Earn 15,000 Membership Rewards Points after you spend $3,000 on eligible purchases within the first 3 months of Card Membership, ready for transfer to premium airline and hotel partners. Enjoy a powerful 2X points on all eligible purchases up to $50,000 each calendar year, plus a 0% intro APR on purchases for 12 months, all with no annual fee.

Welcome offer Earn 15,000 Membership Rewards Points

Sign-up bonus
100,000 points
Min spend
$15,000 first 3 months

American Express

Gold Business

Unlock 100,000 Membership Rewards Points after you spend $15,000 in eligible purchases within the first 3 months of Card Membership, empowering your business with exceptional travel and redemption opportunities. Maximize your everyday spending by earning 4X points on your top two eligible spending categories, up to $150,000 annually. Further enhance your bottom line with valuable statement credits, including the Flexible Business Credit and a monthly Walmart+ credit, designed to support your operations.

Welcome offer Earn 100,000 Membership Rewards Points after you spend $15,000 in eligible purchases on your Card within the first 3 months of Card Membership.

Sign-up bonus
40,000 points
Min spend
$3,000 first 6 months

American Express

Green Personal

Begin your journey with the American Express® Green Card and earn 40,000 Membership Rewards® Points after spending $3,000 on eligible purchases within your first 6 months of Card Membership. Accelerate your rewards with 3X points on travel, transit, and dining worldwide, redeemable for flexible travel options or transfers to global airline and hotel partners. Enhance your trips with up to $189 in annual CLEAR® Plus credits and up to $100 in LoungeBuddy credits, effectively offsetting your $150 annual fee and adding significant value to your adventures.

Welcome offer Earn 40,000 Membership Rewards® Points

Sign-up bonus
20,000 miles
Min spend
$500 first 3 months

Capital One

VentureOne Personal

Begin your next adventure with the Capital One VentureOne card and earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. This bonus is worth $200 in travel, with the flexibility to redeem for statement credits or transfer to leading airline and hotel partners. Enjoy a $0 annual fee, plus a 0% introductory APR on purchases and balance transfers for 15 months.

Welcome offer Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening

Sign-up bonus
$1,000
Min spend
$10,000 first 3 months

Chase

Ink Business Premier

Earn $1,000 bonus cash back with the Chase Ink Business Premier card after you spend $10,000 on purchases in the first 3 months after account opening. Beyond the bonus, supercharge your business spending with unlimited 2.5% cash back on large purchases and 2% cash back on all other eligible business expenses, maximizing every dollar for your company.

Welcome offer Earn $1,000 bonus cash back

Sign-up bonus
60,000 points
Min spend
$4,000 first 3 months

CitiBank

Strata Premier

Earn 60,000 bonus ThankYou Points with the Citi Strata Premier Card after you spend $4,000 in eligible purchases within the first 3 months of account opening. These valuable points can be transferred to a variety of airline partners for incredible travel redemptions or redeemed for $600 in travel through Citi. Enhance your journeys further with a $100 annual hotel savings benefit and accelerated earnings on everyday spending categories.

Welcome offer Earn 60,000 bonus points

Sign-up bonus
75,000 points
Min spend
$6,000 first 3 months

CitiBank

Strata Elite

Unlock a world of premium travel with the Citi Strata Elite card. Earn 75,000 bonus ThankYou Points after spending $6,000 in the first 3 months, perfect for transferring to a wide array of airline partners or booking luxurious hotel stays. Enjoy unparalleled benefits, including an annual travel credit, complimentary airport lounge access via Priority Pass Select, and the unique 4th night free on hotel bookings.

Welcome offer Earn 75,000 bonus points after spending $6,000 in the first 3 months

Sign-up bonus
75,000 points
Min spend
$5,000 first 90 days

Bank of America

Premium Rewards Elite

Unlock 75,000 online bonus points, a $750 value, after making $5,000 in purchases within the first 90 days with the Bank of America Premium Rewards Elite card. Experience luxury travel with unlimited Priority Pass™ Select airport lounge access and receive up to $570 in combined annual statement credits for airline incidentals, TSA PreCheck®/Global Entry, and lifestyle purchases. Plus, maximize your points' value with a 20% discount on airfare redemptions and enjoy robust travel protections, making every journey more rewarding.

Welcome offer 75,000 online bonus points offer — a $750 value