Banking

The best credit card offers in May 2021: Earn points, miles, or cash back

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If you want to earn lots of points, miles, or cash back quickly, the best strategy is to apply for a rewards credit card and earn its welcome bonus. You’ll usually have to meet a minimum spending requirement in a specified time frame (typically a few months), and it’s well worth the effort to unlock a big bonus. 

Even better, many top travel rewards cards are currently offering record-high welcome bonuses. Some of these offers are only available for a limited time, so you shouldn’t wait long to apply.

The best credit card welcome offers available now:

The Platinum Card® from American Express: (Note: New Platinum Card® cardmembers can earn 10x points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during the first 6 months of card membership)

Regular APR

See Pay Over Time APR

Featured Reward

75,000 points after you spend at least $5,000 in your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
    • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
    • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
    • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
    • $550 annual fee.
    • Terms Apply.


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    The Platinum Card® from American Express is offering one of the most lucrative bonuses we’ve seen in recent months, and its many benefits can more than make up for the $550 annual fee (See Rates). While it’s well known as a premium travel card, the Amex Platinum is worth considering even if you’re staying close to home right now.

    You can still get hundreds of dollars in value from perks like up to $200 in Uber (including Uber Eats) credits** per year and up to $100 in annual Saks Fifth Avenue credits**. The Platinum Card also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers.

    Travelers can take advantage of up to $200 in airline fee credits** each calendar year, airport lounge access, complimentary hotel elite status with Hilton and Marriott**, travel insurance, and Amex Fine Hotels and Resorts. You can use the Amex Membership Rewards points you’ll earn with the card to book flights, hotels, and more through Amex Travel, or transfer points to airline and hotel partners like Delta, British Airways, and Marriott.

    Regular APR

    14.24 – 22.24 Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • More travel benefits than you’ll find on any other business credit card
    • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
    • Complimentary hotel elite status (enrollment required)
    • Access to Amex concierge services
    Cons
    • Very high annual fee
    • Limited opportunities to earn bonus points
    • Annual statement credits won’t be useful for everyone
    • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
    • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
    • Terms Apply.


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    Small-business owners have a big opportunity to earn a massive amount of points with the limited-time welcome bonus on The Business Platinum Card® from American Express. Like the personal Platinum Card, there’s a hefty annual fee — $595 (See Rates) — but it’s more than worth it if you can maximize the card’s perks.

    Amex Business Platinum Card members get some of the same perks as personal cardholders, including airline fee credits, hotel elite status, and airport lounge access. You can also receive up to $200 in Dell statement credits** per year, and get a 35% points rebate when you redeem points for first- or business-class tickets, or for any fare with your selected airline, through Amex Travel (up to 500,000 points back per calendar year).

    If you’re not sure which version of the card is best for you, our comparison of the Amex Platinum and Business Platinum can help narrow down your choice.

    Regular APR

    See Pay Over Time APR

    Featured Reward

    60,000 points after you spend at least $4,000 in your first 6 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great rewards for dining and for shopping at US supermarkets
    • Monthly statement credit for eligible dining purchases recoups some of the annual fee
    Cons
    • Underwhelming welcome bonus
    • Rose Gold is back. You can now choose between Gold or Rose Gold.
    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
    • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.


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    The Amex Gold Card is sometimes overlooked as the “kid brother” to its Platinum siblings, but it’s actually one of our favorite rewards cards, especially for dining. You’ll earn 4x points at restaurants worldwide up to $25,000 per year (then 1x) and up to $120 in annual dining credits that you can use at select restaurants and on Grubhub and Seamless. It also offers up to $120 Uber Cash ($10 per month credit) each calendar year (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

    The card didn’t always come with an attention-grabbing welcome bonus, but it’s now increased its intro offer to 60,000 points after you spend at least $4,000 in your first 6 months of account opening. Considering you can transfer your Amex points to nearly two dozen travel partners, these points can unlock lots of options for flights or hotel stays.

    Annual Fee

    $95 (waived the first year)

    Regular APR

    13.99% to 23.99% variable APR

    Featured Reward

    $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months

    Intro APR

    0% intro APR on purchases for 12 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Generous bonus rewards, especially at US supermarkets
    • One of a small handful of credit cards that offer bonus rewards on select streaming services
    • Intro APR offer
    Cons
    • Unlike many other cash-back cards, it charges an annual fee
    • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap
    • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 introductory annual fee for one year, then $95.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms Apply.


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    If you like earning cash back and spend a lot on groceries and streaming services, the Blue Cash Preferred® Card from American Express is tough to beat. It’s now offering a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months, and earns 6% back at U.S. supermarkets on up to $6,000 in spending per calendar year (then 1%).

    You’ll also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), and 1% cash back on everything else (cash back is received in the form of Reward Dollars). If you max out the $6,000 limit at U.S. supermarkets, you could earn $360 in cash back each year just from that category alone — that’s more than enough to offset the annual fee of $95 (waived the first year) (See Rates).

    Credit Score

    Good to Excellent

    Featured Reward

    70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • You can bonus points on the categories where you make the most purchases (from a list of options)
    • 25% points rebate when you use rewards to book an eligible flight through Amex Travel
    Cons

    • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
    • *Terms Apply


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    The American Express® Business Gold Card normally offers 35,000 points after meeting minimum spending requirements, so this limited-time bonus is double the usual points. If you can maximize the credits you’ll do even better, because they can more than offset the card’s $295 annual fee (See Rates).

    One reason the card has remained popular with small-business owners is the ability to earn 4x Amex Membership Rewards points in the top two categories you spend the most in each month, on up to $150,000 in combined purchases each year (then 1x). These categories include airfare purchased directly from airlines, U.S. gas stations, U.S. restaurants, U.S. shipping providers, select U.S. advertising and technology providers, and U.S. purchases for advertising in select media (online, TV, radio).

    Regular APR

    15.74% – 24.74%

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 100,000 bonus Marriott Bonvoy points, plus up to $150 back in statement credits, after you use your new Card to make $5,000 of eligible purchases within the first 3 months of Card membership

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  • Pros & Cons
  • Details

  • Pros
    • Comes with a free night reward every year after your account anniversary
    • Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and U.S. restaurants
    Cons
    • The complimentary Silver elite status isn’t very valuable
    • Not the best option for earning rewards on non-bonus category purchases
    • Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.
    • 6x points at participating Marriott Bonvoy hotels.
    • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
    • Terms apply.

    There’s an elevated welcome offer on the Marriott Bonvoy Business™ American Express® Card: Earn 100,000 bonus Marriott Bonvoy points, plus up to $150 back in statement credits, after you use your new Card to make $5,000 of eligible purchases within the first 3 months of Card membership. It’s worth considering if you’re a small-business owner who likes staying at Marriott Bonvoy hotels, especially because the statement credit more than offsets the $125 annual fee (See Rates).

    This is one of the highest offers we’ve seen for the card, and the statement credit could make a difference for those who want to minimize their out-of-pocket costs. Cardholders receive an annual free night each card anniversary, valid at Marriott hotels that cost up to 35,000 points per night.

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months, plus up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of Card membership.

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  • Pros & Cons
  • Details

  • Pros
    • Annual statement credits can save you money on Marriott stays
    • You get a free reward night each year after your account anniversary
    Cons
    • High annual fee
    • Other cards are more rewarding for earning points on your spending
    • Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
    • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass(TM) Select membership.
    • No Foreign Transaction Fees.
    • $450 Annual Fee.
    • Terms Apply.


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    The Marriott Bonvoy Brilliant™ American Express® Card is a premium credit card with a $450 annual fee (See Rates), but the card is well worth it if you can use its benefits and statement credits.

    Along with the increased welcome bonus, the Marriott Bonvoy Brilliant™ American Express® Card comes with up to $300 in statement credits each year toward Marriott Bonvoy hotel purchases — including room rates and on-site purchases like room service or spa treatments. Combined with up to $200 in credits toward U.S. restaurant purchases, you can reduce your net annual fee cost to zero by taking advantage of both credits.

    The card also offers a perk that can be worth much more than the annual fee. Each year on your card anniversary, you’ll receive a free night certificate valid at Marriott hotels that cost 50,000 points or less — that’s equivalent to a standard night at a Category 6 hotel, or even an off-peak night at luxurious Category 7 properties. 

    Regular APR

    15.99% – 23.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Strong welcome bonus
    • Generous bonus categories
    Cons
    • Doesn’t offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
    • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    The Citi Premier is another card that doesn’t always get the attention it deserves. It earns flexible Citi ThankYou Rewards points that you can redeem for travel, transfer to airline partners, cash in for statement credits, gift cards, or merchandise, and even use to pay off your student loan or mortgage. 

    In addition to offering 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, the Citi Premier card stands out for its pandemic-friendly bonus categories, including 3 points per dollar at restaurants and supermarkets. This makes the card a great option for maximizing your everyday purchases — because everyone has to eat.

    The Citi Premier also comes with a hotel savings benefit that can offset its entire $95 annual fee. This perk will save you $100 once per calendar year when you book a hotel stay of $500 or more (excluding taxes and fees) through ThankYou.com.

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
    • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.


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    You can’t go wrong with the Chase Sapphire Preferred® Card — it’s one of the best to start with if you’re new to credit card rewards (or if you don’t want to pay the $550 annual fee on its premium sibling, the Chase Sapphire Reserve®). 

    The card offers a welcome bonus of 80,000 points after you spend $4,000 on purchases in the first three months of account opening. The great thing about Chase Ultimate Rewards points is their flexibility — redemption options include booking travel directly through the Chase Travel Portal, transferring points to airline and hotel partners like United and Marriott, or cashing in rewards for statement credits, gift cards, and merchandise.

    Regular APR

    16.99%-23.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more


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    The more premium sibling of the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® is offering 60,000 points after spending $4,000 on purchases in the first three months of account opening — an increase of 10,000 points over the usual offer. It also earns Chase Ultimate Rewards points, allows transfers to Chase airline and hotel partners, and offers the same variety of options for points redemption as the Chase Sapphire Preferred® Card.

    The Chase Sapphire Reserve® has a $550 annual fee — substantially higher than the Chase Sapphire Preferred® Card. However, if you can make use of the card’s additional benefits — especially if you’re traveling — the annual fee is certainly worth it

    Regular APR

    17.24% to 24.49% variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)

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  • Pros & Cons
  • Details

  • Pros
    • No bonus categories to keep track of
    • Includes up to a $100 statement credit for Global Entry or TSA PreCheck
    Cons
    • Other credit cards offer higher rewards in certain categories of spending
    • Annual Fee: $95
    • Welcome Bonus: 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months)


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    The Capital One Venture Rewards Credit Card is offering new cardholders a limited-time welcome bonus: Earn 100,000 bonus miles once you spend $20,000 on purchases within the first 12 months from account opening (or 50,000 miles if you spend $3,000 on purchases within the first 3 months). Aside from the bonus, you’ll earn 40,000 Venture miles after spending $20,000 within 12 months, which means you could earn up to 140,000 miles in total, between the full bonus and annual spending.

    With the Capital One Venture Rewards Credit Card, you’ll earn 2x miles on all eligible purchases with no caps. Capital One Venture miles are worth 1 cent apiece when you redeem them toward travel purchases charged to your card, and potentially more when you transfer miles to travel partners like JetBlue, Singapore Airlines, and Air Canada Aeroplan. That’s why Insider values Capital One miles as worth, on average, 1.4 cents each.

    Capital One recently added new partners — British Airways, Turkish Airlines, TAP Air Portugal, and Choice Hotels — and improved the transfer ratio to 1:1 for some partners as well. 

    Regular APR

    15.99%–20.99% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 points after spending $15,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus
    • Offers 3x bonus points on several spending categories, including travel and advertising purchases
    • Includes comprehensive travel coverage
    Cons
    • Welcome bonus has a very high minimum spending requirement
    • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
    • $95 Annual Fee


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    The Ink Business Preferred® Credit Card offers the highest welcome bonus among Chase cards that earn Ultimate Rewards points: 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.

    Plus, it has generous bonus categories — you’ll earn 3 points per dollar in the first $150,000 in combined purchases you make on categories including travel, shipping, and advertising (and 1 point per dollar on everything else). This card has a $95 annual fee, and it offers benefits like primary rental car insurance when you’re renting a car for business purposes and cell phone protection.

    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
    • Intro APR offer for purchases
    • No annual fee
    • You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
    Cons
    • Annual cap on bonus categories
    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • 0% introductory APR for 12 months on purchases


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    If you’re looking for Chase small-business card but don’t want to meet the hefty spending requirement on the Ink Business Preferred® Credit Card, the no-annual-fee Ink Business Cash® Credit Card is a great alternative. You’ll earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening — awarded as 75,000 Chase Ultimate Rewards points.

    The Ink Business Cash® Credit Card is a good pick if you spend a lot in the card’s bonus categories: 5% cash back (5x points) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, 2% back (2x points) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year, and 1% back (1x points) on all other purchases with no cap.

    Regular APR

    13.24%–19.24% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
    • Intro APR offer
    • No annual fee
    Cons
    • You can earn more cash back on some purchases with a card that has bonus categories
    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
    • 0% introductory APR for 12 months on purchases


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    Some small-business owners don’t want to fuss with bonus categories or spending limits. If that’s your style, the Ink Business Unlimited® Credit Card is an easy pick — it earns 1.5% cash back (1.5x points) on all eligible purchases with no caps.

    It’s also offering a bonus of $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening (75,000 Chase Ultimate Rewards points) and has no annual fee. Although you won’t have the opportunity to earn bonus points in popular business categories, the Ink Business Unlimited® Credit Card is a good fit if you value simplicity and straightforward earning.

    Regular APR

    14.99%–23.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    $200 after spending $500 in the first three months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    Cons
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn unlimited 1.5% cash back on all other purchases.
    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
    • No annual fee
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open


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    The Chase Freedom Unlimited® is one of the best cash-back cards you can get, and it now offers one of the most generous intro bonuses, too. New cardholders can earn $200 after spending $500 in the first three months from account opening (20,000 Chase Ultimate Rewards points).

    You’ll earn 5% cash back (5x points) on travel purchased through the Chase Ultimate Rewards portal, 3% cash back (3x) on dining and drugstore purchases, and 1.5% cash back (1.5x) on everything else. You can even pair the Chase Freedom Unlimited® with one of Chase’s travel cards, like the Chase Sapphire Preferred or Chase Sapphire Reserve®, and unlock the ability to transfer points to partners like Hyatt, British Airways, and Singapore Airlines.

    Regular APR

    14.99% – 23.74%

    Credit Score

    Good to Excellent

    Featured Reward

    $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Intro APR

    0% for the first 15 billing cycles

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Generous bonus cash-back categories
    • Great welcome bonus
    Cons
    • Booking through Ultimate Rewards portal can restrict outside earning potential
    • Varying percentages and rotating calendar categories require extra attention
    • 3% foreign transaction fees
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
    • No annual fee.
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.


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    The no-annual-fee Chase Freedom Flex℠ has the same great welcome offer as the Chase Freedom Unlimited®: a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening (20,000 Chase Ultimate Rewards points).

    The Chase Freedom Flex℠ earns 5% cash back (5x points) on rotating quarterly bonus categories after activation (on up to $1,500 spent per quarter, then 1%), 5% back (5x) on travel booked through Chase Ultimate Rewards, 3% back (3x) on dining and drugstore purchases, and 1% back (1x) on everything else.

    Regular APR

    16.49% – 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open, plus an additional 20,000 bonus miles after you spend $10,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Substantial sign-up bonus of up to 100,000 miles
    • A free first and second checked bag can save you and a companion up to $320 round-trip
    • Up to $125 in annual credits toward United purchases can offset half the annual fee
    • 5,000-mile award flight credit can help you stretch your United miles
    Cons
    • High $250 annual fee
    • Card doesn’t offer United Club lounge access or passes
    • Earn 80k bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20k bonus miles after you spend $10,000 in the first 6 months
    • $250 Annual Fee
    • Earn 3X miles on United® purchases, 2X miles at restaurants, on select streaming services & all other travel, 1X on all other purchases
    • Earn 3X miles on United Airlines purchases
    • Earn 2X miles at restaurants and on select streaming services
    • Earn 2X miles on all other travel
    • Earn 1X mile on all other purchases
    • Each year, receive a $125 credit on United® purchases and two 5k-mile anniversary award flight credits. Terms apply.

    The New United Quest℠ Card is the most recent addition to Chase’s lineup of United credit cards. With a $250 annual fee, the New United Quest℠ Card falls in between the United℠ Explorer Card (annual fee of $95, waived the first year) and the premium United Club℠ Infinite Card ($525 annual fee), and it comes with benefits that can make it well worth the yearly cost.

    Cardholders receive up to $125 in annual credits toward United purchases, a 5,000-mile credit on award flights up to two times a year after your first cardmember anniversary, and a free first and second checked bag on United flights for themselves and one companion on the same reservation. The card also offers up to $100 credit for the Global Entry or TSA PreCheck application fee, travel protections like primary car rental insurance, and complimentary upgrades on award tickets for Premier members.

    Annual Fee

    $95, waived the first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open, plus 25,000 bonus miles after you spend $10,000 in the first 6 months

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  • Pros & Cons
  • Details

  • Pros
    • Annual fee is waived the first year
    • Earns bonus miles on several purchase categories, including restaurants
    • Includes an application fee credit for Global Entry or TSA PreCheck
    • Gets you a free checked bag on United when you pay with the card
    Cons
    • Not the most rewarding card for most non-United travel purchases
    • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months
    • $0 introductory annual fee for the first year, then $95
    • Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
    • Up to $100 Global Entry or TSA PreCheck® fee Credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent at restaurants and eligible delivery services


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    The United℠ Explorer Card is the best all-around card for United flyers, because, on United flights, cardholders and a companion on the same reservation receive a free first checked bag when they pay with the card. You’ll also get priority boarding, a 25% discount on inflight food, beverage, and Wi-Fi purchases, and two one-time United Club passes each anniversary year (worth $59 apiece).

    Normally, the bonus on the United℠ Explorer Card is 40,000 miles after meeting minimum spending requirements, but the new offer is 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open, plus 25,000 bonus miles after you spend $10,000 in the first 6 months. The annual fee is $95, waived the first year, and you’ll also get up to $100 in statement credit for the Global Entry or TSA PreCheck application fee every four years.

    Regular APR

    16.49% – 23.49% Variable

    Featured Reward

    75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Great sign-up bonus
    • If you want United Club membership, this card gets you it for less than buying it outright
    • Get two free checked bags on United
    • Earns 4x miles on United purchases
    Cons
    • Steep annual fee, especially for an airline credit card
    • The non-United bonus categories (travel and dining) only earn 2x miles
    • Earn 75,000 Bonus Miles
    • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
    • Earn 2 miles per $1 spent on all other travel
    • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
    • Earn 1 mile per $1 spent on all other purchases
    • Up to $100 Global Entry or TSA PreCheck® fee credit
    • Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flight when you pay with your Club Card


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    If you fly United frequently and enjoy airport lounge access, you should consider the United Club℠ Infinite Card, with a new bonus of 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. There’s a $525 annual fee, but in return, cardholders receive a full United Club airport lounge membership. Normally, a membership costs $650, so this is a better deal compared to paying directly for this privilege.

    Cardholders receive up to two free checked bags for the cardholder and one companion on United flights, Premier Access (priority check-in, security screening, boarding, and baggage handling when flying United), and a 25% discount on inflight food, beverages, and Wi-Fi aboard United-operated flights. If you have United Premier elite status and are traveling on an award ticket, you’ll also eligible for complimentary Premier upgrades on United-operated flights, subject to availability.

    Annual Fee

    $99, waived the first year

    Regular APR

    16.49%–23.49% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Solid travel benefits with United, including a free checked bag and priority boarding
    • $100 annual United travel credit is relatively easy to earn
    Cons
    • Beyond the sign-up bonus, it will take a while to earn a lot of miles through everyday spending on this card
    • 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $99.
    • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
    • Earn 2 miles per $1 spent on United purchases, at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting.
    • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket.
    • Enjoy priority boarding privileges and get 2 United Club℠ one-time passes at account opening and each year for your anniversary.
    • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.


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    Small-business owners should consider the increased bonus on the United℠ Business Card, which is offering 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening. The annual fee is $99, waived the first year, which makes this an even better deal, considering the normal bonus on the card is just 60,000 miles.

    Along with many of the same benefits as the personal United℠ Explorer Card (free checked bag, priority boarding, two one-time United Club passes each anniversary year, Global Entry or TSA PreCheck application fee credit), the United℠ Business Card throws in some additional perks. If you make seven or more United flight travel-related purchases of at least $100 in an account anniversary year with your 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening, you will receive a $100 statement credit. And if you also have a personal Chase United card (like the United℠ Explorer Card or United Gateway℠ Card), you’ll receive a “better-together anniversary bonus” of 5,000 United miles each anniversary of your 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening.

    Regular APR

    16.49% – 23.49% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    20,000 miles after you spend $1,000 on purchases in the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Good bonus categories (including gas stations and local transit/commuting)
    • Access to expanded United award availability
    Cons
    • Other United credit cards have much higher welcome bonuses
    • No free checked bag benefit like other United cards
    • Few United perks other than 25% back on inflight purchases
    • Earn 20,000 bonus miles
    • No annual fee
    • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
    • Earn 2 miles per $1 spent on United Airlines purchases
    • Earn 2 miles per $1 spent at gas stations
    • Earn 2 miles per $1 spent on local transit and commuting
    • Earn 1 mile per $1 spent on all other purchases
    • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021

    TheUnited Gateway℠ Card isn’t as flashy as other United cards, and it usually only offers a welcome bonus of 10,000 miles after meeting minimum spending requirements. But right now, the bonus has been doubled to 20,000 miles after you spend $1,000 on purchases in the first three months of account opening — not a bad deal for a card with no annual fee.

    The 20,000 miles after you spend $1,000 on purchases in the first three months of account opening doesn’t offer many travel benefits, except a 25% discount on inflight purchases and no foreign transaction fees. However, this card is an excellent choice if you don’t want to pay an annual fee but still want access to expanded award availability on United flights.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
    Cons
    • The only lucrative bonus category is participating Marriott Bonvoy hotels
    • Upgrading to Gold status requires spending $35,000 on the card in an account year,
    • Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
    • 15 Elite Night Credits each calendar year.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.


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    The Marriott Bonvoy Boundless™ Credit Card is offering an elevated welcome bonus of 100,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening, and cardholders earn up to 17 points per dollar at Marriott Bonvoy hotels (6x points from the card, up to 10x points from being a Marriott Bonvoy member, and 1x point from the Silver status that comes with the card), and 2 points per dollar on all other purchases. 

    The $95 annual fee is more than worth it if you can make the most of the card’s annual free night benefit. Each year on your card anniversary, you’ll receive a free night certificate — valid at Marriott hotels that cost 35,000 points or less — and if you redeem it at higher-category hotels, you can get a value that far exceeds the annual cost to keep the card.

    Cardholders also get automatic Marriott Silver status, travel protections including baggage delay insurance, lost luggage reimbursement, and trip delay reimbursement, and purchase protection.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    50,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Cardholders get 15 elite night credits toward status
    Cons
    • Only offers strong rewards for Marriott purchases
    • Limited Time Offer! Earn 50,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
    • Pay no annual fee with the Marriott Bonvoy Bold™ Credit Card from Chase®!
    • Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
    • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
    • 1X point for every $1 spent on all other purchases.
    • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.


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    If you prefer a no-annual-fee credit card but still want to earn Marriott points, the Marriott Bonvoy Bold™ Credit Card is offering 50,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening. That’s 20,000 more points than the usual offer.

    While you won’t get an anniversary free night with the Marriott Bonvoy Bold™ Credit Card, it does come with 15 elite night credits per year (enough for Silver elite status) and decent benefits you don’t always find on a card with no annual fee. For example, you won’t pay foreign transaction fees, and you’ll still get perks like baggage delay insurance, lost luggage reimbursement, and trip delay reimbursement.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

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  • Pros & Cons
  • Details

  • Pros
    • Earns Southwest points on every purchase
    • You get 3,000 points every year after your cardmember anniversary
    Cons
    • Charges foreign transaction fees
    • Very limited benefits
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 3,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.


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    All three Chase Southwest personal cards, including the Southwest Rapid Rewards® Plus Credit Card, are offering a welcome bonus with the opportunity to Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year.

    The Southwest Rapid Rewards® Plus Credit Card has the lowest annual fee ($69) of the bunch, but also the fewest benefits. It’s the only Southwest card that adds foreign transaction fees, and it doesn’t earn tier-qualifying points from meeting spending thresholds like the others. That said, you’ll earn 3,000 points each card anniversary (worth about $45 in Southwest airfare) and the welcome bonus alone can get you most of the way to qualifying for the Southwest Companion Pass.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

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  • Pros & Cons
  • Details

  • Pros
    • You get 6,000 points each year after anniversary
    • You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
    Cons
    • Only offers bonus points on Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 6,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass®.
    • No foreign transaction fees.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.


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    The Southwest Rapid Rewards® Premier Credit Card is the mid-level Southwest personal card, with a $99 annual fee. It comes with the same welcome bonus and offers a few more perks, including tier-qualifying points for reaching spending thresholds, 6,000 points on your card anniversary, and no foreign transaction fees.

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 40,000 points after you spend $5,000 on purchases in the first 3 months, plus 3X points on dining, including takeout and eligible delivery services, for the first year

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  • Pros & Cons
  • Details

  • Pros
    • Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
    • If you fly Southwest several times a year, the benefits easily outweigh the annual fee
    • Annual fee is low compared to other premium airline credit cards
    Cons
    • Highest annual fee among Southwest consumer cards
    • Doesn’t offer bonus points on non-Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 7,500 bonus points after your Cardmember anniversary each year.
    • $75 Southwest® travel credit each year.
    • 4 Upgraded Boardings per year when available.
    • 20% back on in-flight drinks and WiFi.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • No foreign transaction fees.


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    The Southwest Rapid Rewards® Priority Credit Card has a $149 annual fee, but it’s well worth it even if you fly Southwest just a few times a year. In exchange for the higher upfront cost, you’ll get valuable benefits that can be worth much more than you paid — along with the same welcome bonus as the others.

    Cardholders receive 7,500 points each card anniversary (worth about $112 in Southwest flights), up to $75 in statement credits toward Southwest purchases each year, four upgraded boardings per year when available (worth up to $50 each time), and a 20% discount on inflight purchases including Wi-Fi.

    Regular APR

    15.99%–22.99% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    80,000 points after you spend $5,000 on purchase within the first 3 months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • 3x bonus points on Southwest purchases
    • Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
    Cons
    • $199 annual fee is on the high side
    • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
    • 9,000 bonus points after your Cardmember anniversary.
    • 3 points per $1 spent on Southwest Airlines® purchases.
    • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.
    • 4 Upgraded Boardings per year when available.
    • Inflight WiFi Credits.
    • Global Entry or TSA Pre✓® Fee Credit.
    • Employee cards at no additional cost, earn points on employee spending.


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    The Southwest Rapid Rewards® Performance Business Credit Card is offering 80,000 points after you spend $5,000 on purchase within the first 3 months of account opening.

    The Southwest Rapid Rewards® Performance Business Credit Card also offers an application fee credit of up to $100 for Global Entry or TSA PreCheck, plus four upgraded boardings on Southwest per year and inflight Wi-Fi credits. 

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®


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    The IHG® Rewards Club Premier Credit Card comes with a welcome bonus of 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening, which is enough for up to 12 award nights at the lowest-priced IHG hotels (redemptions start at 10,000 points per night).

    The IHG® Rewards Club Premier Credit Card comes with an $89 annual fee, but each year cardholders receive an anniversary award night valid at IHG hotels that cost up to 40,000 points. It’s easy to get a value that more than exceeds the annual fee from this perk alone.

    Why earn credit card rewards in the middle of a pandemic?

    With travel still challenging due to the pandemic, now may seem like an odd time to open a travel rewards credit card, but earning a welcome bonus now can put you in a great position to use points and miles for your next vacation, whenever that may be. 

    Plus, in addition to allowing extra time to earn a welcome bonus, issuers like American Express and Chase are offering additional benefits tailored to life in quarantine, including new bonus categories for earning rewards and the option to use Chase points through Pay Yourself Back

    Before you apply for a new credit card, make sure you understand how credit card applications affect your credit score. Also make sure you treat your credit cards like debit cards, only spending what you can afford to pay back each month. If you carry a balance to earn rewards, you’ll be putting yourself in a bad financial position — and the interest fees you’ll rack up will easily outweigh any points or miles you earn.

    What is a sign-up bonus?

    A sign-up bonus, also known as a welcome bonus or intro offer, is a reward of points, miles, or cash back for new cardholders who meet designated requirements. Usually, these requirements involve meeting a minimum spending threshold within the first few months after you open your new credit card account.

    Do credit card sign-up bonuses change?

    Some credit cards almost always have the exact same sign-up bonus, while others change frequently. If you’re considering opening a new rewards credit card, do your research to see whether the card you want has previously offered a higher bonus. If it has, it could be worth waiting until that elevated offer returns, or you may even be able to find that higher offer through the credit card issuer’s website.

    What is the best credit card sign-up bonus?

    There isn’t one single best sign-up bonus, because even if one card offers more points, not all points and miles are valued equally. There are also different types of credit card rewards: points, miles, and cash back, so the best sign-up bonus for you depends on the rewards you value most.

    How can I use a credit card sign-up bonus?

    There are typically several options for using a credit card sign-up bonus.

    If you earn a cash-back sign-up bonus, you could be able to use it toward a statement credit to reduce your credit card bill, or you could receive the money in check form. With a travel rewards card, you could use your points or miles to book an award trip, or cash them out for gift cards, money back, or merchandise.

    The exact options depend on the credit card you have and its specific rewards program, but the bottom line is that there are several possibilities for using your sign-up bonus.

    Is a credit card without a sign-up bonus still worth it?

    The short answer is yes. A credit card sign-up bonus can be a great incentive to apply, especially if you’re looking at a card that has an annual fee, but not every good credit card offers an intro bonus. For example, the Citi® Double Cash Card is one of our favorite cash-back credit cards, but it doesn’t offer a sign-up bonus. It could be worth forgoing an intro bonus if that card’s 2% cash back (1% back when you make a purchase, and another 1% back when you pay your bill) appeals to you. 

    Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

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