Credit Card Bonuses · September 2026

Best credit card sign-up bonuses in 2026

449 cards with a current welcome offer, ranked by year-one value (signup points × cpp + statement credits, minus the annual fee). The real ranking, not the marketing headline. Offer terms last checked against issuers on September 4, 2026.

Card decision engine

Find the card that makes you the most money

Pick your goal and two basic preferences. We check the full catalog, then show one winner and two useful alternatives, not a sponsored list.

1. What do you want this card to do?

2. Which cards should we consider?

3. How do you feel about annual fees?

Add cards available in your state · Optional

Add verified regional bank and credit-union cards. Membership restrictions can still apply.

Excluded: for students only, secured by a home equity line. 8 cards held back.

Choose a spending profile

Start with a close-enough preset. You can fine-tune the numbers if you want.

Adjust monthly spending · Optional

Dining

restaurants, takeout, delivery

$/mo

Groceries

supermarkets and online grocery

$/mo

Gas

gas stations

$/mo

General travel

broad travel purchases booked directly

$/mo

Utilities

electric, water, and household utilities

$/mo

Online shopping

general online retail

$/mo

Everything else

purchases without a category bonus

$/mo

Add a precise category when it materially changes the answer.

40 available

$2,200/mo modeled spend165 cash-value cards checked

Your best match

Cash and cash-redeemable points only. Your expected rewards − annual fee.

Best match

Citi Strata Premier

$95 annual fee · $389/yr from groceries

$929 rewards − $95 fee · $389 groceries · $194 dining

10x Citi travel3x Air travel/Hotels

$834

projected net per year

View offer →

AOD FCU

No annual fee · $42 behind your best match

$792

per year

Robinhood Gold

No annual fee · $42 behind your best match

$792

per year

Turn this into a step-by-step plan

Stacks OS sequences these cards around your real paycheck and spend, tracks each min-spend, and tells you exactly what to open next.

Build my plan with Stacks OS →

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Personal Credit Cards

258 live cards · ranked by year-one value

TOP PICK

American Express Gold

Up to 100K MR (offer varies by applicant)

After $8,000 in 6mo · $325 AF

$120 annual dining credit ($10/mo)

Read full review →

Capital One Venture X

75K C1 miles

After $4,000 in 3mo · $395 AF

$300 annual Capital One Travel credit

Read full review →

Citi Strata Premier

60K TYP

After $4,000 in 3mo · $95 AF

$100 annual hotel credit (one $500+ hotel booking via Citi Travel)

Read full review →

American Express Platinum

Up to 175K MR (offer varies by applicant)

After $12,000 in 6mo · $895 AF

$600 hotel credit

Read full review →

Chase Sapphire Preferred

75K UR

After $5,000 in 3mo · $95 AF

$100 annual hotel credit via Chase Travel (doubled in the June 2026 refresh)

Read full review →

Capital One Venture

75K C1 miles

After $4,000 in 3mo · $95 AF

2x miles on every purchase

Read full review →

#	Card	Bonus	Min Spend	Window	Annual Fee	Year-1 Value
1	American Express Gold	Up to 100K MR (offer varies by applicant)	$8,000	6mo	$325	$1,899
2	Capital One Venture X	75K C1 miles	$4,000	3mo	$395	$1,055
3	Citi Strata Premier	60K TYP	$4,000	3mo	$95	$985
4	American Express Platinum	Up to 175K MR (offer varies by applicant)	$12,000	6mo	$895	$930
5	Chase Sapphire Preferred	75K UR	$5,000	3mo	$95	$755
6	Capital One Venture	75K C1 miles	$4,000	3mo	$95	$655
7	BofA Premium Rewards	60K BofA points	$4,000	3mo	$95	$605
8	Wells Fargo Autograph Journey	60K Wells Fargo Rewards	$4,000	3mo	$95	$555
9	Chase Sapphire Reserve	100K UR	$6,000	3mo	$795	$505
10	Fairwinds CU Visa Signature	60K Points	$5,000	3mo	$95	$505
11	Citi Strata Elite	75K TYP	$6,000	3mo	$595	$355
12	PenFed Pathfinder Rewards	50K Points	$3,000	3mo	$95	$355
13	Disney Inspire	$500	$1,000	3mo	$149	$351
14	Expedia Group One Key+	$400	$1,000	3mo	$99	$301
15	Navy Federal Flagship Travel Rewards	35K Points	$3,500	3mo	$49	$301
16	Disney Premier	$300	$500	3mo	$49	$251
17	American Express Blue Cash Preferred	Up to $250 (offer varies by applicant)	$3,000	6mo	$95*	$250
18	Amex Blue Cash Everyday	Up to $250 (offer varies by applicant)	$2,000	6mo	$0	$250
19	Morgan Stanley Blue Cash Preferred	Up to $250 (offer varies by applicant)	$3,000	6mo	$95*	$250
20	Navy Federal cashRewards	$250	$2,500	3mo	$0	$250
21	Navy Federal cashRewards Plus	$250	$2,500	3mo	$0	$250
22	USAA Bank Preferred Cash Rewards	$250	$1,000	3mo	$0	$250
23	Truist Enjoy Beyond	30K Points	$1,500	3mo	$95	$205
24	Bank of America Customized Cash Rewards	$200	$1,000	3mo	$0	$200
25	Bank of America Premium Rewards Elite	75K Points	$5,000	3mo	$550	$200
26	Bank-Fund FCU BEYOND	20K Points	$4,000	3mo	$0	$200
27	BofA Unlimited Cash Rewards	$200	$1,000	3mo	$0	$200
28	Capital One Quicksilver Rewards	$200	$500	3mo	$0	$200
29	Capital One Savor	$200	$500	3mo	$0	$200
30	Charles Schwab Investor Card	Up to $200 (offer varies by applicant)	$1,000	3mo	$0	$200
31	Chase Freedom Flex	$200	$500	3mo	$0	$200
32	Chase Freedom Unlimited	$200	$500	3mo	$0	$200
33	Citi Double Cash	$200	$1,500	6mo	$0	$200
34	FNBO Evergreen	$200	$1,000	3mo	$0	$200
35	Navy Federal More Rewards	20K Points	$2,000	3mo	$0	$200
36	PNC Bank Cash Rewards	$200	$1,000	3mo	$0	$200
37	PNC Cash Rewards Visa	$200	$1,000	3mo	$0	$200
38	Regions Cash Rewards	$200	$1,000	3mo	$0	$200
39	Regions Prestige	$200	$1,000	3mo	$0	$200
40	SoFi Credit Card	$200	$1,500	3mo	$0	$200
41	Truist Enjoy Travel	20K Points	$1,500	3mo	$0	$200
42	U.S. Bank Altitude Connect	20K points	$1,000	3mo	$0	$200
43	U.S. Bank Cash+	$200	$1,000	3mo	$0	$200
44	US Bank Altitude Go	20K Points	$1,000	3mo	$0	$200
45	USAA Bank Cashback Rewards Plus	$200	$1,000	3mo	$0	$200
46	USAA Eagle Adapt	$200	$1,000	3mo	$0	$200
47	Wells Fargo Active Cash	$200	$500	3mo	$0	$200
48	Wells Fargo Autograph	20K Wells Fargo Rewards	$1,000	3mo	$0	$200
49	USAA Bank Eagle Navigator	30K Points	$3,000	3mo	$95	$175
50	TD Bank First Class	25K Points	$3,000	3mo	$89	$161
51	US Bank Shopper Cash Rewards	$250	$2,000	4mo	$95	$155
52	Associated Bank Travel Rewards+	25K Points	$2,000	4mo	$99	$151
53	Affinity FCU Cash Rewards	$150	$3,000	3mo	$0	$150
54	Associated Bank Everyday Rewards+	15K Points	$500	3mo	$0	$150
55	Associated Bank Max Cash Preferred	$150	$500	3mo	$0	$150
56	Booking.com Genius Rewards	$150	$1,500	3mo	$0	$150
57	CommunityAmerica Visa Signature	$150	$2,000	3mo	$0	$150
58	Disney Visa	$150	$500	3mo	$0	$150
59	Fidelity Rewards Visa	$150	$1,500	3mo	$0	$150
60	Redstone Federal	$150	$3,000	3mo	$0	$150
61	State Farm Premier Cash Rewards	$150	$500	3mo	$0	$150
62	TD Bank Cash	$150	$1,000	3mo	$0	$150
63	TD Bank Double Up	$150	$1,000	3mo	$0	$150
64	Verizon	$150	$1,500	3mo	$0	$150
65	PenFed Platinum Rewards	15K Points	$1,500	3mo	$0	$135
66	Associated Bank Reserve Rewards+	50K Points	$4,500	3mo	$390	$110
67	HSBC Bank Elite	60K Points	$4,000	3mo	$495	$105
68	AAA Daily Advantage	$100	$1,000	3mo	$0	$100
69	AAA Travel Advantage	$100	$1,000	3mo	$0	$100
70	First Tech Federal Platinum Rewards	10K Points	$2,000	2mo	$0	$100
71	Harris Teeter Rewards	$100	$500	3mo	$0	$100
72	MGM Resorts Rewards	10K Points	$1,000	3mo	$0	$100
73	PenFed Power Cash Rewards	$100	$1,500	3mo	$0	$100
74	UNFCU Azure	10K Points	$2,000	3mo	$0	$100
75	UPromise	$100	$500	3mo	$0	$100
76	Wells Fargo Attune	$100	$500	3mo	$0	$100
77	Caesars Rewards	10K Points	$1,000	3mo	$0	$50
78	Tractor Supply Co.	5K Points	$50	1mo	$0	$50
79	UNFCU Elite	10K Points	$2,000	3mo	$50	$50
80	Walmart OnePay CashRewards	$50	$75	1mo	$0	$50
81	Fairwinds CU Preferred Cash Back	$2,000	$50,000	6mo	$0	$20
82	Bilt Palladium	50K Points	$4,000	3mo	$495	$5
83	AAFES Military Star	No current bonus	—	3mo	$0	$0
84	Abound FCU Platinum	No current bonus	—	3mo	$0	$0
85	Alliant	No current bonus	—	3mo	$0	$0
86	Ally Everyday Cash Back	No current bonus	—	3mo	$0	$0
87	Ally Unlimited Cash Back	No current bonus	—	3mo	$0	$0
88	Amex Hilton Honors (No Fee)	Up to 70K Hilton Honors (offer varies by applicant)	$2,000	6mo	$0	$0
89	Amex Hilton Surpass	Up to 130K Hilton Honors (offer varies by applicant)	$3,000	6mo	$150*	$0
90	Amtrak Guest Rewards	30K Points	$1,000	3mo	$0	$0
91	AOD FCU	No current bonus	—	3mo	$0	$0
92	Apple Card	No current bonus	—	3mo	$0	$0
93	AT&T Points Plus	No current bonus	—	3mo	$0	$0
94	Aven	No current bonus	—	3mo	$0	$0
95	Aven (Gas Option)	No current bonus	—	3mo	$0	$0
96	Aven (Groceries Option)	No current bonus	—	3mo	$0	$0
97	Bank of America Cash Back	No current bonus	—	3mo	$0	$0
98	Bank of America Royal One	45K Points	$2,000	3mo	$0	$0
99	Bank of America Student Cash Back	No current bonus	—	3mo	$0	$0
100	Bank of America Student Rewards	No current bonus	—	3mo	$0	$0
101	Bank of America Susan Komen	No current bonus	—	3mo	$0	$0
102	Bank of America Unlimited Cash Back	No current bonus	—	3mo	$0	$0
103	Bank of America Unlimited Cash Back Student	No current bonus	—	3mo	$0	$0
104	Bilt Mastercard	No current bonus	—	—	$0	$0
105	Bread Cashback	No current bonus	—	3mo	$0	$0
106	Bread Rewards	No current bonus	—	3mo	$0	$0
107	Capital One Platinum	No current bonus	—	—	$0	$0
108	Capital One VentureOne Rewards	20K miles	$500	3mo	$0	$0
109	Carnival	30K Points	$1,000	3mo	$0	$0
110	Chase Freedom Rise	No current bonus	—	3mo	$0	$0
111	Chase IHG One Rewards Traveler	80K Points	$2,000	3mo	$0	$0
112	Chase United Explorer	75K United MileagePlus	$3,000	3mo	$150*	$0
113	Chase United GatewaySM	40K Miles	$1,000	3mo	$0	$0
114	Chase United QuestSM	70K Miles	$4,000	3mo	$0	$0
115	Chase UnitedSM Explorer	60K Miles	$3,000	3mo	$0	$0
116	Choice Privileges	40K Points	$1,000	3mo	$0	$0
117	Citi Custom Cash	No current bonus	—	6mo	$0	$0
118	Citi Diamond Preferred	No current bonus	—	—	$0	$0
119	Citi ThankYou	No current bonus	—	3mo	$0	$0
120	Citizens Bank Summit	No current bonus	—	3mo	$0	$0
121	City National Cash Back	No current bonus	—	3mo	$0	$0
122	City National Flex Rewards	No current bonus	—	3mo	$0	$0
123	City National Now	No current bonus	—	3mo	$0	$0
124	Coinbase One	No current bonus	—	3mo	$0	$0
125	Delta SkyMiles Blue	Up to 10K miles (offer varies by applicant)	$1,000	6mo	$0	$0
126	Delta SkyMiles Gold	Up to 40K miles (offer varies by applicant)	$3,000	6mo	$150*	$0
127	Discover Chrome	No current bonus	—	3mo	$0	$0
128	Discover Chrome Student	No current bonus	—	3mo	$0	$0
129	Discover it	No current bonus	—	3mo	$0	$0
130	Discover it Cash Back	No current bonus	—	12mo	$0	$0
131	Discover It Chrome Gas & Restaurant	No current bonus	—	3mo	$0	$0
132	Discover It Miles	No current bonus	—	3mo	$0	$0
133	Discover it Student	No current bonus	—	3mo	$0	$0
134	Discover Nhl	No current bonus	—	3mo	$0	$0
135	Ducks Unlimited Rewards	No current bonus	—	3mo	$0	$0
136	FNBO Getaway	No current bonus	—	3mo	$0	$0
137	Fold Bitcoin Rewards	No current bonus	—	3mo	$0	$0
138	Ford Rewards	15K Points	$1,500	3mo	$0	$0
139	Gemini	No current bonus	—	3mo	$0	$0
140	GM Rewards Mastercard	100K Points	$5,000	5mo	$0	$0
141	HEB	No current bonus	—	3mo	$0	$0
142	Hilton Honors Surpass	Up to 130K Hilton Honors (offer varies by applicant)	$3,000	6mo	$150*	$0
143	Huntington Cashback	No current bonus	—	3mo	$0	$0
144	IHG One Rewards Traveler	125K IHG One Rewards	$2,000	3mo	$0	$0
145	JetBlue	50K Points	$1,000	3mo	$0	$0
146	Kohl's Rewards	No current bonus	—	3mo	$0	$0
147	Korean Air SKYPASS SkyBlue	10K miles	$1,000	3mo	$0	$0
148	Langley FCU Signature Cash Back	No current bonus	—	3mo	$0	$0
149	Marriott Bonvoy Bold	60K Marriott Bonvoy	$1,000	3mo	$0	$0
150	My Best Buy	No current bonus	—	3mo	$0	$0
151	Navy Federal GO REWARDS	No current bonus	—	3mo	$0	$0
152	Nibbles Pet Rewards	No current bonus	—	3mo	$0	$0
153	Norwegian Cruise Line	20K Points	$1,000	3mo	$0	$0
154	Paypal Cashback	No current bonus	—	3mo	$0	$0
155	PNC Bank Cash Unlimited	No current bonus	—	3mo	$0	$0
156	Robinhood Gold	No current bonus	—	3mo	$0	$0
157	Rocket Card	No current bonus	—	3mo	$0	$0
158	Sam's Club	No current bonus	—	3mo	$0	$0
159	Sam's Club Plus	No current bonus	—	3mo	$0	$0
160	Signature FCU Visa Signature	No current bonus	—	3mo	$0	$0
161	SoFi Everyday Cash Rewards	No current bonus	—	3mo	$0	$0
162	Star One	No current bonus	—	3mo	$0	$0
163	Synchrony Premier	No current bonus	—	3mo	$0	$0
164	T-Mobile	No current bonus	—	3mo	$0	$0
165	Target Circle	No current bonus	—	3mo	$0	$0
166	Truist Enjoy Cash (Option 1)	No current bonus	—	3mo	$0	$0
167	Truist Enjoy Cash (Option 2)	No current bonus	—	3mo	$0	$0
168	United Explorer	50K United MileagePlus	$3,000	3mo	$150*	$0
169	United Gateway	40K United MileagePlus	$1,000	3mo	$0	$0
170	US Bank Shield	No current bonus	—	3mo	$0	$0
171	US Bank Smartly	No current bonus	—	3mo	$0	$0
172	Venmo	No current bonus	—	3mo	$0	$0
173	Wells Fargo One Key	No current bonus	—	3mo	$0	$0
174	Wells Fargo Reflect Visa	No current bonus	—	3mo	$0	$0
175	Wyndham Earner	75K Points	$1,000	3mo	$0	$0
176	Capital One QuicksilverOne	No current bonus	—	—	$39	$-39
177	HSBC Bank Premier	5K Points	$4,000	3mo	$95	$-45
178	Aeroplan	60K Points	$3,000	3mo	$95	$-95
179	Alaska Airlines Atmos Rewards Ascent	70K Points	$2,500	3mo	$95	$-95
180	Bank of America Atmos Rewards Ascent	70K Points	$2,500	3mo	$95	$-95
181	British Airways	75K Points	$5,000	3mo	$95	$-95
182	Chase Aer Lingus Visa Signature	75K Points	$5,000	3mo	$95	$-95
183	Chase Iberia Visa Signature	75K Points	$5,000	3mo	$95	$-95
184	Choice Privileges Select	60K Points	$3,000	3mo	$95	$-95
185	World of Hyatt	60K World of Hyatt	$3,000	3mo	$95	$-95
186	Wyndham Earner+	100K Points	$1,000	3mo	$95	$-95
187	Amtrak Guest Rewards Preferred	30K Points	$1,000	3mo	$99	$-99
188	Avianca LifeMiles	40K miles	$3,000	3mo	$99	$-99
189	Bank of America Royal One Plus	70K Points	$3,000	3mo	$99	$-99
190	Barclays JetBlue Plus	60K JetBlue TrueBlue	$1,000	3mo	$99	$-99
191	Cathay Pacific World Elite	38K miles	$3,000	3mo	$99	$-99
192	Emirates Skywards Rewards	40K Points	$3,000	3mo	$99	$-99
193	Frontier	60K miles	$500	3mo	$99	$-99
194	Hawaiian Airlines	70K Points	$2,000	3mo	$99	$-99
195	IHG One Rewards Premier	185K IHG One Rewards	$3,000	3mo	$99	$-99
196	Korean Air SKYPASS	40K miles	$4,000	3mo	$99	$-99
197	Qatar Airways Privilege Club Signature	40K Points	$3,000	3mo	$99	$-99
198	Southwest Rapid Rewards Plus	50K Points	$1,000	3mo	$99	$-99
199	Virgin Atlantic Red Rewards	60K Points	$4,000	3mo	$99	$-99
200	Wells Fargo One Key Plus	No current bonus	—	3mo	$99	$-99
201	SoFi Unlimited 2%	No current bonus	—	3mo	$120	$-120
202	Southwest Rapid Rewards Premier	55K Points	$1,500	3mo	$149	$-149
203	Southwest Rapid Rewards Priority	60K Points	$2,000	3mo	$229	$-229
204	Wyndham Earner Premier	120K Points	$6,000	4mo	$395	$-230
205	Avianca LifeMiles Elite	100K miles	$4,500	3mo	$249	$-249
206	Amex Marriott Bonvoy Bevy	Up to 175K Marriott Bonvoy (offer varies by applicant)	$5,000	6mo	$250	$-250
207	Marriott Bonvoy Bountiful	85K Marriott Bonvoy	$4,000	3mo	$250	$-250
208	Citizens Bank Summit Reserve	No current bonus	—	3mo	$295	$-295
209	American Express Platinum: Charles Schwab	Up to 80K MR (offer varies by applicant)	$8,000	6mo	$895	$-335
210	United Quest	70K United MileagePlus	$4,000	3mo	$350	$-350
211	Alaska Airlines Atmos Rewards Summit	100K Points	$4,000	3mo	$395	$-395
212	Bank of America Alaska Airlines Infinite	100K Points	$4,000	3mo	$395	$-395
213	City National Crystal	No current bonus	—	3mo	$400	$-400
214	Korean Air SKYPASS Select	60K miles	$5,000	3mo	$450	$-450
215	Emirates Skywards Premium	50K Points	$3,000	3mo	$499	$-499
216	JetBlue Premier	90K Points	$5,000	3mo	$499	$-499
217	Qatar Airways Privilege Club Infinite	50K Points	$5,000	3mo	$499	$-499
218	Amex Hilton Aspire	Up to 175K Hilton Honors (offer varies by applicant)	$6,000	6mo	$550	$-550
219	Hilton Honors Aspire	Up to 150K Hilton Honors (offer varies by applicant)	$6,000	6mo	$550	$-550
220	Citi AAdvantage Executive World Elite Mastercard	70K AAdvantage miles	$7,000	3mo	$695	$-595
221	Amex Marriott Bonvoy Brilliant	Up to 200K Marriott Bonvoy (offer varies by applicant)	$6,000	6mo	$650	$-650
222	Delta SkyMiles Reserve	Up to 60K miles (offer varies by applicant)	$6,000	6mo	$650	$-650
223	UBS Visa Infinite	No current bonus	—	3mo	$650	$-650
224	Chase United Club Infinite	90K United MileagePlus	$5,000	3mo	$695	$-695
225	Robinhood Platinum	No current bonus	—	3mo	$695	$-695
226	Barclays Bank Luxury Black Card	No current bonus	—	3mo	$699	$-699
227	American Express Centurion	No current bonus	—	3mo	$5000	$-5,000
228	Expedia Group One Key	$400	min spend not confirmed	3mo	$0	$400
229	Bank of America Travel Rewards	25K Points	min spend not confirmed	3mo	$0	$250
230	First Tech Federal Odyssey Rewards	30K Points	min spend not confirmed	3mo	$75	$225
231	Chase Amazon Prime Visa	$200	min spend not confirmed	window not confirmed	$0	$200
232	First Tech Federal Choice Rewards	20K Points	min spend not confirmed	2mo	$0	$200
233	Upgrade Triple Rewards	$200	min spend not confirmed	3mo	$0	$200
234	Bilt Obsidian	$200	min spend not confirmed	3mo	$95	$105
235	Amazon Prime Rewards	$100	min spend not confirmed	3mo	$0	$100
236	Bilt Blue	$100	min spend not confirmed	3mo	$0	$100
237	Instacart	$100	min spend not confirmed	3mo	$0	$100
238	Rakuten	Up to $100 (offer varies by applicant)	min spend not confirmed	3mo	$0	$100
239	REI Co-op	$100	min spend not confirmed	2mo	$0	$100
240	DoorDash Rewards	$96	min spend not confirmed	3mo	$0	$96
241	Bass Pro Shops / Cabela's CLUB	$60	min spend not confirmed	1mo	$0	$60
242	Kroger Rewards	$59	min spend not confirmed	3mo	$0	$59
243	Affinity FCU Pure Rewards	5K Points	min spend not confirmed	3mo	$0	$50
244	Amazon	$50	min spend not confirmed	3mo	$0	$50
245	Huntington Voice Rewards	$5,000	min spend not confirmed	3mo	$0	$50
246	myWalgreens	$50	min spend not confirmed	2mo	$0	$50
247	Chase Rise	$25	min spend not confirmed	3mo	$0	$25
248	Scheel's	$25	min spend not confirmed	window not confirmed	$0	$25
249	Amazon Prime Store Card	$10	min spend not confirmed	3mo	$0	$10
250	American Airlines AAdvantage MileUp	15K miles	min spend not confirmed	3mo	$0	$0
251	Celebrity Cruises	30K Points	min spend not confirmed	3mo	$0	$0
252	PNC Bank points	200 Points	min spend not confirmed	3mo	$0	$0
253	Allegiant Allways Rewards	30K Points	min spend not confirmed	3mo	$59	$-59
254	Air France KLM	50K Points	min spend not confirmed	3mo	$89	$-89
255	Marriott Bonvoy Boundless	125K Marriott Bonvoy	min spend not confirmed	3mo	$95	$-95
256	American Airlines AAdvantage Platinum Select	65K miles	min spend not confirmed	3mo	$99	$-99
257	American Airlines AAdvantage Globe	60K miles	min spend not confirmed	4mo	$350	$-350
258	Delta SkyMiles Platinum	Up to 50K miles (offer varies by applicant)	min spend not confirmed	6mo	$350	$-350

Show all 258 ▾Show top 20 ▴

* Annual fee waived in year one

Business Credit Cards

60 live cards · biggest payouts in the game (don't report to 5/24)

TOP PICK

Amex Business Platinum

Up to 300K MR (offer varies by applicant)

After $20,000 in 3mo · $895 AF

$600 hotel credit

Read full review →

Capital One Spark Cash Plus

$2,000

After $30,000 in 3mo · $150 AF

5% travel

Read full review →

Capital One Spark Miles for Business

150K C1 miles

After $30,000 in 3mo · $395 AF

2x miles on every purchase

Read full review →

American Express Graphite Business Cash Unlimited

Up to $1,500 (offer varies by applicant)

After $50,000 in 6mo · $250 AF

No Foreign Transaction Fees

Read full review →

American Express Business Gold

Up to 200K MR (offer varies by applicant)

After $15,000 in 3mo · $375 AF

No Foreign Transaction Fees

Read full review →

Capital One Spark Cash

$1,000

After $10,000 in 3mo · $95 AF (waived Y1)

Annual fee waived first year

Read full review →

#	Card	Bonus	Min Spend	Window	Annual Fee	Year-1 Value
1	Amex Business Platinum	Up to 300K MR (offer varies by applicant)	$20,000	3mo	$895	$2,305
2	Capital One Spark Cash Plus	$2,000	$30,000	3mo	$150	$1,850
3	Capital One Spark Miles for Business	150K C1 miles	$30,000	3mo	$395	$1,825
4	American Express Graphite Business Cash Unlimited	Up to $1,500 (offer varies by applicant)	$50,000	6mo	$250	$1,250
5	American Express Business Gold	Up to 200K MR (offer varies by applicant)	$15,000	3mo	$375	$1,025
6	Capital One Spark Cash	$1,000	$10,000	3mo	$95*	$1,000
7	Chase Ink Business Cash	100K UR	$8,000	4mo	$0	$1,000
8	Chase Ink Business Unlimited	100K UR	$8,000	4mo	$0	$1,000
9	Chase Ink Business Preferred	100K UR	$8,000	3mo	$95	$905
10	Chase Ink Business Premier	$1,000	$10,000	3mo	$195	$805
11	Capital One Spark Cash Select	$750	$6,000	3mo	$0	$750
12	US Bank Triple Cash Rewards Business	$750	$6,000	6mo	$0	$750
13	Chase Sapphire Reserve Business	150K UR	$20,000	3mo	$795	$705
14	Truist Business Premium	$1,000	$15,000	3mo	$299	$701
15	US Bank Business Leverage	$600	$6,000	4mo	$95*	$600
16	U.S. Bank Business Altitude Power Visa Signature	75K Points	$10,000	4mo	$195	$555
17	Wells Fargo Signify Business Cash	$500	$5,000	3mo	$0	$500
18	Bank of America Business Advantage Travel Rewards	30K Points	$3,000	3mo	$0	$300
19	Truist Business Cash Rewards	$300	$10,000	3mo	$0	$300
20	American Express Blue Business Cash	Up to $250 (offer varies by applicant)	$3,000	3mo	$0	$250
21	FNBO Evergreen Business	$200	$1,000	3mo	$0	$200
22	Truist Business Travel Rewards	20K Points	$2,000	3mo	$49	$151
23	American Express Blue Business Plus	Up to 15K MR (offer varies by applicant)	$3,000	3mo	$0	$105
24	US Bank Altitude Connect Business	20K Points	$6,000	6mo	$95	$65
25	Amex Hilton Business	Up to 175K Hilton Honors (offer varies by applicant)	$8,000	6mo	$195*	$0
26	Capital One Spark Classic Business	No current bonus	—	3mo	$0	$0
27	Capital One VentureOne Business	50K miles	$4,500	3mo	$0	$0
28	Chase United ClubSM Business	110K Miles	$5,000	3mo	$0	$0
29	Delta SkyMiles Gold Business	Up to 60K miles (offer varies by applicant)	$6,000	6mo	$150*	$0
30	Hilton Honors Business	Up to 130K Hilton Honors (offer varies by applicant)	$3,000	3mo	$195*	$0
31	Huntington Business Voice	No current bonus	—	3mo	$0	$0
32	Marriott Bonvoy Business	Up to 150K Marriott Bonvoy (offer varies by applicant)	$8,000	6mo	$125	$0
33	Mercury IO Business	No current bonus	—	3mo	$0	$0
34	Novo Business	No current bonus	—	3mo	$0	$0
35	State Farm Business Card Rewards	No current bonus	—	3mo	$0	$0
36	Alaska Airlines Atmos Rewards Business	60K Points	$4,000	3mo	$95	$-95
37	Capital One Venture Business	50K miles	$4,500	3mo	$95	$-95
38	American Airlines AAdvantage Business	65K Points	$4,000	4mo	$99	$-99
39	Chase IHG One Rewards Premier Business	140K IHG One Rewards points	$4,000	3mo	$99	$-99
40	Hawaiian Airlines Business	50K Points	$4,000	3mo	$99	$-99
41	JetBlue Business	50K Points	$4,000	3mo	$99	$-99
42	Korean Air SKYPASS Business	50K miles	$5,000	3mo	$99	$-99
43	Amex Marriott Business	Up to 250K Marriott Bonvoy (offer varies by applicant)	$9,000	6mo	$125	$-125
44	Southwest Rapid Rewards Premier Business	60K Points	$3,000	3mo	$149	$-149
45	Wyndham Earner Business	100K Points	$3,000	3mo	$149	$-149
46	Chase UnitedSM Business	110K Miles	$5,000	3mo	$150	$-150
47	United Business	110K United MileagePlus	$5,000	3mo	$150	$-150
48	World of Hyatt Business	70K World of Hyatt	$7,000	3mo	$199	$-199
49	American Express Business Plum	No current bonus	—	3mo	$250	$-250
50	Southwest Rapid Rewards Performance Business	80K Points	$5,000	3mo	$299	$-299
51	Delta SkyMiles Platinum Business	Up to 60K miles (offer varies by applicant)	$8,000	6mo	$350	$-350
52	Capital One Venture X Business	150K miles	$30,000	3mo	$395	$-395
53	Delta SkyMiles Reserve Business	Up to 70K miles (offer varies by applicant)	$12,000	6mo	$650	$-650
54	United Club Business	110K United MileagePlus	$5,000	3mo	$695	$-695
55	American Express Centurion Business	No current bonus	—	3mo	$5000	$-5,000
56	Bank of America Business Advantage Customized Cash Rewards	$300	min spend not confirmed	3mo	$0	$300
57	Bank of America Business Advantage Unlimited Cash Rewards	$300	min spend not confirmed	3mo	$0	$300
58	Amazon Prime Business	Up to $125 (offer varies by applicant)	min spend not confirmed	3mo	$0	$125
59	Amazon Business	Up to $100 (offer varies by applicant)	min spend not confirmed	3mo	$0	$100
60	American Airlines AAdvantage Platinum Select Business	50K miles	min spend not confirmed	4mo	$99	$-99

Show all 60 ▾Show top 20 ▴

How to pick a credit card sign-up bonus

The honest framework, not the affiliate-bait one

The real ranking factor is year-one value: the cash-equivalent value of the signup points (points × cents-per-point) plus easily-claimable first-year statement credits, minus the annual fee. This list above is sorted by that math, not by gross point count or marketing copy.

The second filter is min-spend feasibility. A $1,500 bonus that needs $20,000 in 3 months is useless if you only spend $1,500/mo. Open one card at a time, hit the spend organically, then move on. Stacks OS sequences this for you based on your actual monthly spend.

Two rules keep this table honest, and they are worth knowing before you read it. First, where a row says min spend not confirmed we have not checked that card's spend requirement against the issuer yet, so we rank it below every card whose terms we do know. A blank is not a $0 requirement, and we would rather show you the gap than paper over it. Second, where a headline reads up to some number, the offer is targeted or tiered and the big number is a ceiling, not a promise. We rank those cards at their base offer, shown in brackets beside the headline, and where we have not been able to establish the base we say so and leave the card at the top of its range with that fact printed next to it.

For the full cents-per-point assumption behind every ranking on this page, including every currency, the year-one formula, and how statement credits are counted, see how we value credit card sign-up bonuses.

For Chase cards specifically: business Ink cards don't count toward 5/24 because they don't report to personal credit. That's why they appear in their own section — they're the cheat code for staying under Chase's velocity limit. See Stacks OS for the full sequence.

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