Highest Credit Card Sign-Up Bonuses 2026

Every credit card ranked by sign-up bonus value. 43 cards worth $24,305+ in combined bonuses.

Top Bonuses Right Now

#1 Highest
The Business Platinum Card from American Express
$1,800 value
#2 Highest
American Express Business Gold
$1,200 value
#3 Highest
JetBlue Plus Card
$1,125 value

Why Bonus Size Matters for Churning

The sign-up bonus is typically worth far more than ongoing rewards. A $1,800 bonus from a single card would take years to earn through regular spending alone.

When choosing cards to churn, prioritize the highest net bonus value (bonus minus annual fee). See our best cards to churn guide for a strategy-focused ranking, or our churning guide to get started.

American Express

The Business Platinum Card from American Express

300,000 points
~$1,800 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$20,000 in 15 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly or via Amex Travel1.5x on purchases $5k+
Monthly spend needed$1,334
Estimated first-year value$905 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

American Express Business Gold

200,000 points
~$1,200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
Monthly spend needed$5,000
Estimated first-year value$825 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Barclays

JetBlue Plus Card

75,000 points
~$1,125 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Monthly spend needed$334
Estimated first-year value$1,026 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

The Platinum Card from American Express

175,000 points
~$1,050 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$8,000 in 6 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
Monthly spend needed$1,334
Estimated first-year value$155 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Sapphire Reserve

100,000 points
~$1,000 value
Offer confirmed 2026-09-16
Spend Required$6,000 in 3 months
Annual Fee$795
Base Rewards1x on other purchases
8x Chase Travel purchases, including The Edit4x flights booked directly4x hotels booked directly+1 more
Monthly spend needed$2,000
Estimated first-year value$205
Value assumptions and offer source

1¢ per point: Cash back (statement credit) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Chase

Ink Business Preferred

100,000 points
~$1,000 value
Offer confirmed 2026-09-16
Spend Required$8,000 in 3 months
Annual Fee$95
Base Rewards1x on other purchases
3x combined travel, shipping, eligible social-media/search advertising, internet, cable and phone purchases, up to $150,000 per account anniversary year
Monthly spend needed$2,667
Estimated first-year value$905
Value assumptions and offer source

1¢ per point: Cash back (statement credit) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Chase

World of Hyatt Credit Card

30,000 points
~$1,000 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$15,000 in 6 months
Annual Fee$95
Base Rewards1x on all purchases
4x Hyatt2x restaurants2x airline tickets+2 more
Monthly spend needed$2,500
Estimated first-year value$905 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,000 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Monthly spend needed$667
Estimated first-year value$650 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1¢ per point: Pay with Miles (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Citi

Citi AAdvantage Platinum Select

80,000 miles
~$960 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$2,500 in 3 months
Annual Fee$99(waived yr 1)
Base Rewards1x on all purchases
2x American Airlines2x restaurants2x gas+1 more
Monthly spend needed$834
Estimated first-year value$960 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Bank of America

Bank of America Premium Rewards

60,000 points
~$900 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1.5x on all purchases
2x travel2x dining
Monthly spend needed$1,334
Estimated first-year value$805 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Wells Fargo

Wells Fargo Autograph Journey Card

60,000 points
~$900 value
Offer confirmed 2026-09-16
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
5x hotels4x airlines3x restaurants+1 more
Monthly spend needed$1,334
Estimated first-year value$805
Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Wells Fargo

Wells Fargo Autograph Card

60,000 points
~$900 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
Monthly spend needed$334
Estimated first-year value$900 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Chase

Chase Sapphire Preferred

75,000 points
~$750 value
Offer confirmed 2026-09-16
Spend Required$5,000 in 3 months
Annual Fee$95
Base Rewards1x on other purchases
5x Chase Travel purchases3x dining, selected streaming and online grocery (exclusions apply)3x gas stations, EV charging and vacation homes at eligible brands+1 more
Monthly spend needed$1,667
Estimated first-year value$655
Value assumptions and offer source

1¢ per point: Cash back (statement credit) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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US Bank

US Bank Altitude Reserve

50,000 points
~$750 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,500 in 3 months
Annual Fee$400
Base Rewards1x on all purchases
3x travel3x mobile wallet purchases
Monthly spend needed$1,500
Estimated first-year value$350 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Chase

Ink Business Unlimited

$750
~$750 value
Offer confirmed 2026-09-20
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on eligible business purchases
1.5% on eligible business purchases without a category cap
Monthly spend needed$2,000
Estimated first-year value$750
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-20.

Offer source

Explore valuation scenarios

Chase

Ink Business Cash

$750
~$750 value
Offer confirmed 2026-09-20
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on other purchases
5% combined office-supply, internet, cable and phone purchases, up to $25,000 per account anniversary year2% combined gas-station and restaurant purchases, up to $25,000 per account anniversary year
Monthly spend needed$2,000
Estimated first-year value$750
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-20.

Offer source

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Barclays

AAdvantage Aviator Red

60,000 miles
~$720 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
2x American Airlines
Monthly spend needed$1
Estimated first-year value$621 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

American Express

Hilton Honors Aspire Card

175,000 points
~$700 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
Monthly spend needed$1,000
Estimated first-year value$150 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Southwest Rapid Rewards Priority

50,000 points
~$550 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$149
Base Rewards1x on all purchases
3x Southwest2x local transit/commuting2x internet/cable/streaming
Monthly spend needed$1,000
Estimated first-year value$401 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1.1¢ per point: Business Select (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Hilton Honors Surpass Card

130,000 points
~$520 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Monthly spend needed$500
Estimated first-year value$370 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

American Express

Delta SkyMiles Gold Card

50,000 miles
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$150(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
Monthly spend needed$1,000
Estimated first-year value$500 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1¢ per point: Pay with Miles (editorial estimate, 2026-01-31). Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Capital One

Capital One Venture Rewards

100,000 miles
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
5x hotels/rentals via Capital One Travel
Monthly spend needed$1,334
Estimated first-year value$405 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Marriott Bonvoy Bold

100,000 points
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Monthly spend needed$334
Estimated first-year value$500 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Capital One

Capital One Venture X

75,000 miles
~$375 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$395
Base Rewards2x on all purchases
10x hotels via Capital One Travel5x flights via Capital One Travel
Monthly spend needed$1,334
Estimated first-year value-$20 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

American Express Gold Card

60,000 points
~$360 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$6,000 in 6 months
Annual Fee$325
Base Rewards1x on other eligible purchases
4x restaurants worldwide, up to $50,000 per calendar year; then 1x4x U.S. supermarkets, up to $25,000 per calendar year; then 1x3x eligible flights booked directly or through Amex Travel+1 more
Monthly spend needed$1,000
Estimated first-year value$35 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

American Express

Blue Cash Preferred Card

$350
~$350 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Monthly spend needed$500
Estimated first-year value$350 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

American Express

Hilton Honors Card

80,000 points
~$320 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Monthly spend needed$334
Estimated first-year value$320 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Citi

Citi Premier Card

60,000 points
~$300 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x restaurants3x supermarkets3x gas+2 more
Monthly spend needed$1,334
Estimated first-year value$205 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

US Bank

US Bank Altitude Connect

20,000 points
~$300 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Monthly spend needed$334
Estimated first-year value$300 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Chase

United Explorer Card

25,000 miles
~$275 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$150(waived yr 1)
Base Rewards1x on all purchases
2x United2x dining2x hotels
Monthly spend needed$1,000
Estimated first-year value$275 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1.1¢ per point: Domestic economy (editorial estimate, 2026-01-31). Subtracts no first-year fee (waived); excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Marriott Bonvoy Boundless

50,000 points
~$250 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Monthly spend needed$1,000
Estimated first-year value$155 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

American Express

Blue Cash Everyday Card

$250
~$250 value
Offer confirmed 2026-09-16
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
Monthly spend needed$334
Estimated first-year value$250
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

Explore valuation scenarios

Chase

Chase Freedom Unlimited

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
Monthly spend needed$167
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

Explore valuation scenarios

Capital One

Capital One SavorOne

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Chase

Chase Freedom Flex

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Citi

Citi Double Cash Card

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
Monthly spend needed$250
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

Explore valuation scenarios

Capital One

Capital One Quicksilver

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Monthly spend needed$334
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Monthly spend needed$334
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

Wells Fargo

Wells Fargo Active Cash Card

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases
Monthly spend needed$250
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

Explore valuation scenarios

Citi

Citi Custom Cash Card

20,000 points
~$100 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
Monthly spend needed$500
Estimated first-year value$100 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Discover

Discover it Cash Back

Cashback Match
~$0 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly, up to $1,500)
Monthly spend needed$0
Estimated first-year value$0 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Spending-dependent match; excluded from fixed bonus value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Discover

Discover it Miles

Cashback Match
~$0 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1.5x on all purchases
Monthly spend needed$0
Estimated first-year value$0 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Spending-dependent match; excluded from fixed bonus value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Frequently Asked Questions

What credit card has the highest sign-up bonus right now?

The highest bonus values change frequently. Premium travel cards like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X typically offer the largest bonuses — often $750 to $1,500+ in value. Business cards like the Chase Ink Business Preferred also consistently rank among the highest.

Are the highest bonus cards worth the annual fee?

Usually yes, at least for the first year. Even a $695 annual fee card with a $1,500 bonus gives you $800+ in net value the first year. Many people open premium cards for the bonus and downgrade to a no-fee card after year one to avoid the renewal fee.

How are bonus values calculated?

We estimate bonus values using standard point/mile valuations: Chase Ultimate Rewards at 1.5 cents/point, Amex Membership Rewards at 1.5 cents, airline miles at 1.2–1.5 cents, and cash back at face value. Actual redemption value depends on how you use your points.

Can I get multiple sign-up bonuses?

Yes, this is called credit card churning. Most issuers allow you to earn bonuses on different cards within their family. Some restrict bonuses on the same card to once every 24-48 months. Chase's 5/24 rule limits you to 5 new cards in 24 months across all issuers.