Credit Cards for Sign-up Bonuses

Updated: Jan 9, 2026 at 12:43 AM EST
Olena's picture
Written by Olena Odnokoz
Yuriy's picture
Edited by Yuriy Ilchenko

Many reward credit cards offer a welcome bonus as an incentive to attract new cardholders and reward them for starting to use the new card. The welcome bonus is also known by the name of a sign-up bonus or introductory offer and can be in the form of cash, points, miles, or extra cash-back rewards during the introductory period. It is one of the special credit card perks you may not want to miss when shopping for a new credit card!

Typically, to earn a welcome bonus, you need to spend a certain amount of money using your new card within the first few months after opening the account. To benefit from the introductory offer, make sure you carefully read the welcome bonus requirements and understand them. If you don’t meet the spending amount within the required time frame, you will not be qualified and will not earn the offer.

To get most of the sign-up bonus, take into account your lifestyle and living preferences, as different credit cards may offer substantially different bonuses. If you are a shopper, then the cash-back welcome offer might be the best option for you. If you are a frequent traveler, then consider welcome offers that come in the form of airline miles or hotel points. Usually, miles and points can be redeemed toward travel-related expenses such as a plane ticket or a hotel stay.

Before opening the credit card with the welcome bonus, you absolutely need to consider your budget, the credit card’s introductory and regular APR, as well as your expected debt payoff time. If you cannot afford to meet the spending amount or pay the debt reasonably fast, you might not fully benefit from the introductory offer or will not earn the bonus at all.

Here’s our list of the top credit cards with the best welcome bonuses to help you maximize the rewards.

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Hilton Honors
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On 's Secure Website

Hilton Honors
3.6
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.49% Variable APR

Buy Now, Pay Later Split eligible purchases of $100 or more into equal monthly installments with a fixed fee. Simply select the purchase in your online account or the American Express® App, and you’ll continue to earn rewards on your purchases as usual.

Plan it®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x points on Hilton hotels & resorts, 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, plus 3x points on all other purchases.

3x - 7x Points

Welcome Offer Earn 70,000 bonus points and a Free Night Reward after spending $2,000 in the first six months. Offer ends 4/15/2026.

70,000 Points + A Free Night Reward

» Learn More: Read Card's Review
Blue Cash Preferred®
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On 's Secure Website

Blue Cash Preferred®
4.2
Annual fee: $95, fee waived for the first year

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

19.49% - 28.49% Variable APR

Buy Now, Pay Later Split eligible purchases of $100 or more into equal monthly installments with a fixed fee. Simply select the purchase in your online account or the American Express® App, and you’ll continue to earn rewards on your purchases as usual.

Plan it®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 6% cashback at U.S. supermarkets on up to $6,000 per calendar year. Additionally, earn 6% cashback on U.S. streaming subscriptions, 3% back on local transit and U.S. gas stations, plus 1% on all other purchases.

1% - 6% Cashback

Welcome Offer Earn a $300 cash rewards bonus after spending $3,000 in the first six months.

$300

» Learn More: Read Card's Review
Ink Business Unlimited®
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On Chase's Secure Website

Ink Business Unlimited®
4.4
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

16.74% - 24.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases. Plus, earn 5% cashback on Lyft rides through September 30, 2027.

1.5% - 5% Cashback

Welcome Offer Earn a $750 cashback bonus after spending $6,000 on purchases in the first three months after account opening.

$750

» Learn More: Read Card's Review
United Gateway℠
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On Chase's Secure Website

United Gateway℠
3.9
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

19.74% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 7x miles on United flights: 5x miles as a MileagePlus® member plus 2x miles with the United Gateway℠ Card. You’ll also earn 2x miles on all other eligible United purchases, gas stations, local transit, and commuting, and 1x mile on all other purchases.

1x - 2x Miles

Welcome Offer Earn 30,000 bonus miles after spending $1,000 in the first three months, plus an additional 10,000 bonus miles when you add an authorized user within the same three-month period.

40,000 Miles

» Learn More: Read Card's Review
Quicksilver
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On Capital One's Secure Website

Quicksilver
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 5% cashback when you book hotels and rental cars through Capital One Travel. Earn 5% cashback on Capital One entertainment purchases through December 31, 2025. Plus, earn 1.5% unlimited cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
New Chase Sapphire Reserve®
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On Chase's Secure Website

New Chase Sapphire Reserve®
5.0
Annual fee: $795

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

740-850 (Excellent)

Rewards Earn 8x Points on all Chase Travel purchases**, including The Edit℠. Earn 4x Points on flights and hotels booked directly. Earn 3x Points on dining and 1x Points on all other purchases. Purchases that qualify for the $300 Annual Travel Credit or the $500 Edit Hotel Credit do not earn points.

1x - 8x Points

Welcome Offer Earn 125,000 bonus points after spending $6,000 in the first three months.

125,000 Points

» Learn More: Read Card's Review
AAdvantage® Executive
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On Citi's Secure Website

AAdvantage® Executive
3.9
Annual fee: $595

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 5x miles on American Airlines purchases: Earn 4x miles per $1 spent on eligible American Airlines purchases, and boost to 5x after spending $150,000 in a calendar year. Earn 10x miles on hotels and car rentals: earn 10x miles per $1 spent on eligible hotel bookings at aa.com/hotels and car rentals at aa.com/cars. Earn 1x mile on all other purchases.

1x - 10x Miles

Welcome Offer Earn 100,000 bonus miles after spending $10,000 in the first three months.

100,000 Miles

» Learn More: Read Card's Review
Travel Rewards
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On Bank of America's Secure Website

Travel Rewards
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Custom Pay Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.

1.5x - 3x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

» Learn More: Read Card's Review
Marriott Bonvoy Boundless®
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On Chase's Secure Website

Marriott Bonvoy Boundless®
4.5
Annual fee: $95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember. Earn 3x points for every $1 spent on the first $6,000 in combined purchases each year on groceries, gas, and dining. Earn 2x points for every $1 spent on all other purchases.

2x - 6x Points

Welcome Offer Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 in the first 3 months. Additionally, receive up to $100 in Airline credits - earn a $50 statement credit when you spend $250+ in January - June and another $50 statement credit when you spend $250+ in July - December.

5 Free Night Awards + a $100 Airline Credit

» Learn More: Read Card's Review


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