Best Credit Card Bonuses of January 2024 ·

24 Jul 2024, 00:00

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Citi Premier® Card. The details for these products have not been reviewed or provided by the issuer.

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

Many of the best travel cards currently come with record-high welcome offers. And some bonuses are for 100,000 points or more.

Some of these offers are only available for a limited time, so you shouldn't wait long to apply.

Current Credit Card Bonus Offers

Ink Business Preferred® Credit Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

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.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.24% - 26.24% Variable

Intro Offer

Earn 100,000 points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. High sign-up bonus
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3x bonus points on several spending categories, including travel and advertising purchases
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes comprehensive travel coverage

Cons

con icon Two crossed lines that form an 'X'. Welcome bonus has a very high minimum spending requirement

Product Details

Earn 100k bonus points after you spend $8,000 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
Round-the-clock monitoring for unusual credit card purchases
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.
Member FDIC

The Business Platinum Card® from American Express

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases.

Annual Fee

$695

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Intro Offer

Earn 120,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. More travel benefits than you'll find on any other business credit card
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Amex concierge services

Cons

con icon Two crossed lines that form an 'X'. Very high annual fee
con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points
con icon Two crossed lines that form an 'X'. Annual statement credits won't be useful for everyone

Product Details

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

The Platinum Card® from American Express

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.4/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Annual Fee

$695

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

Earn 80,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber

Cons

con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

Product Details

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: 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 only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

American Express® Gold Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.3/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

Earn 60,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at US supermarkets
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee

Cons

con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Product Details

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: 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: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Blue Cash Preferred® Card from American Express

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases. Cash back is received as Reward Dollars that can be redeemed as a statement credit.

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus rewards, especially at U.S. supermarkets
Check mark icon A check mark. It indicates a confirmation of your intended interaction. One of a small handful of credit cards that offer bonus rewards on select streaming services
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer

Cons

con icon Two crossed lines that form an 'X'. Unlike many other cash-back cards, it charges an annual fee
con icon Two crossed lines that form an 'X'. If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Product Details

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
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.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.

American Express® Business Gold Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

Annual Fee

$295 ($375 if application is received on or after 2/1/24)

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Intro Offer

Earn 70,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can bonus points on the categories where you make the most purchases (from a list of options)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. 25% points rebate when you use rewards to book an eligible flight through Amex Travel

Cons

con icon Two crossed lines that form an 'X'. High annual fee

Product Details

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.*
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
Your Card - Your Choice. Now choose from Gold or Rose Gold.
*Terms Apply

Capital One Venture X Rewards Credit Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.85/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

Annual Fee

$395

Intro APR

N/A

Regular APR

19.99% - 29.99% variable

Intro Offer

Earn 75,000 bonus miles

Recommended Credit

Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections

Cons

con icon Two crossed lines that form an 'X'. High annual fee
con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

Citi Premier® Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.1/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 10x ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024. Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.24% - 29.24% Variable

Intro Offer

Earn 60,000 bonus ThankYou® points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous bonus categories

Cons

con icon Two crossed lines that form an 'X'. Doesn't offer much in the way of statement credits or other perks
con icon Two crossed lines that form an 'X'. Citi ThankYou Rewards may not be as convenient as other points for US-based travelers

Insider’s Take

If you're looking for an all-purpose travel credit card with strong rewards, many ways to use your points, and an annual fee under $100, the Citi Premier should be on your shortlist. Beyond the welcome bonus offer, the Citi Premier® Card offers great 3x earning categories that just about anyone can take advantage of — and the rewards it earns are incredibly flexible.

Citi Premier Card review External link Arrow An arrow icon, indicating this redirects the user."

Chase Sapphire Preferred® Card

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

Earn 60,000 bonus points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage

Cons

con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

Product Details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Chase Sapphire Reserve®

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

Annual Fee

$550

Intro APR

N/A

Regular APR

22.49% - 29.49% Variable

Intro Offer

Earn 60,000 bonus points

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining

Cons

con icon Two crossed lines that form an 'X'. Very high annual fee

Product Details

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.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 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
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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC

Ink Business Cash® Credit Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.55/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

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.

Annual Fee

Intro APR

0% intro APR on purchases for the first 12 months

Regular APR

18.49% - 24.49% Variable

Intro Offer

Earn $900 bonus cash back

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer for purchases
Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel

Cons

con icon Two crossed lines that form an 'X'. Annual cap on bonus categories

Product Details

Earn $900 bonus cash back after you spend $6,000 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
Round-the-clock monitoring for unusual credit card purchases
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
Member FDIC

Ink Business Unlimited® Credit Card

Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn unlimited 1.5% cash back on purchases.

Annual Fee

Intro APR

0% intro APR on purchases for the first 12 months

Regular APR

18.49% - 24.49% Variable

Intro Offer

Earn $900 bonus cash back

Recommended Credit

Good to Excellent

Pros

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5% cash back on every purchase, with no bonus categories to keep track of
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR offer
Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee

Cons

con icon Two crossed lines that form an 'X'. You can earn more cash back on some purchases with a card that has bonus categories

Product Details

Earn $900 bonus cash back after you spend $6,000 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.
Round-the-clock monitoring for unusual credit card purchases
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
Member FDIC

Best Credit Card Bonus Offers

Find the right credit card bonus for you

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Capital One Rewards

Earn 75,000 bonus miles

Citi Rewards

Earn 60,000 bonus ThankYou® points

Chase Rewards

Earn 60,000 bonus points

Chase Rewards

Earn 60,000 bonus points

Chase Business Rewards

Earn 100,000 points

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.

Chase Business Rewards

Earn $900 bonus cash back

Chase Business Rewards

Earn $900 bonus cash back

Earn unlimited 1.5% cash back on purchases.

Best Credit Card Offers Frequently Asked Questions

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.

Yes, credit card sign-up bonuses 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.

The best credit card sign-up bonus depends on the person. 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 welcome bonus for you depends on the rewards you value most.

Typically, you can use a credit card sign-up bonus in a variety of ways. If you earn a cash-back welcome 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.

Yes, a credit card without a sign-up bonus is still worth it. Intro offers 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 Wells Fargo Reflect® Card is one of the best balance transfer credit cards, but it doesn't offer a welcome bonus or earn rewards. It could be worth forgoing an intro bonus if that card's 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, or 29.99% variable APR) appeals to you.

Yes, you should earn credit card rewards even if you don't have upcoming travel planned. 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. But before you apply for a new credit card, make sure you understand how credit card applications affect your credit score.

Best welcome bonus overall

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers the highest welcome bonus among Chase cards that earn Chase Ultimate Rewards points: 100,000 points after spending $8,000 on purchases in the first three 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.

Best welcome bonus for earning Amex Membership Rewards points

The Business Platinum Card® from American Express

Small-business owners have a big opportunity to earn a massive amount of points with the limited-time welcome bonus offer on The Business Platinum Card® from American Express. Like the personal The Platinum Card® from American Express, there's a hefty annual fee — $695 — but it's more than worth it if you can maximize the card's perks.

The Business Platinum Card® from American Express 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 statement credits for Dell Technologies, Indeed, Adobe, and U.S. wireless service providers***, 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.

The Business Platinum Card® from American Express offers 1.5x earning categories on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. and statement credits for Dell, wireless, Indeed, and Adobe purchases.

Best personal Amex card bonus

The Platinum Card® from American Express

The Platinum Card® from American Express is offering an solid welcome bonus: 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership.

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

The Platinum Card® from American Express comes with valuable benefits, including up to $300 annually in Equinox credits**, $189 per year in credits for CLEAR® Plus membership**, up to $200 per year in credits toward eligible prepaid hotel bookings, up to $240 in annual credits toward eligible digital subscriptions**, a monthly credit for Walmart+ membership**, and up to $300 back for purchasing a SoulCycle At-Home Bike through Equinox+.

Travelers can take advantage of up to $200 in airline incidental 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 American Express Travel, or transfer points to airline and hotel partners like Delta, British Airways, and Marriott.

The annual fee is $695. However, if you can put these new perks to use, you can get thousands of dollars worth of value from the The Platinum Card® from American Express.

Best mid-tier Amex card bonus

American Express® Gold Card

Best pure cash back bonus

Blue Cash Preferred® Card from American Express

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 $250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening, 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. You'll receive cash back in the form of Reward Dollars, which can be redeemed as statement credits). 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 $0 intro for the first year, then $95.

Best mid-tier Amex card bonus

American Express® Gold Card

The American Express® 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 ($375 if application is received on or after 2/1/24) annual fee.

One reason the Amex Business Gold 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 U.S. gas stations, U.S. restaurants, U.S. shipping providers, U.S. purchases made from electronic goods retailers and software & cloud system providers, U.S. purchases for advertising in select media and transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

Best welcome bonus for earning Capital One miles

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card was launched last year, and it offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Personal Finance Insider's valuation of Capital One miles.

The Capital One Venture X Rewards Credit Card is packed with upscale benefits that can more than offset the $395 annual fee — which is lower than other premium travel cards (see rates and fees).

Cardholders receive $300 per year in credits through Capital One Travel purchases, Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), access to the Capital One Premier Collection (a luxury hotel booking program), and Visa Infinite travel and purchase benefits.

Like other cards that earn Capital One miles, you can transfer rewards to over a dozen airline and hotel partners to book award travel.

Best welcome bonus for earning Citi ThankYou points

Citi Premier® Card

The Citi Premier® Card is another card that doesn't always get the attention it deserves. It earns Citi ThankYou Rewards points that you can redeem for travel booked through the Citi Travel Portal (which recently got a refresh), transfer to airline and hotel partners, or cash in for statement credits, gift cards, or merchandise.

In addition to offering a bonus of 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 wide range of bonus categories. Outside of the welcome bonus earning, cardholders earn 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® Card 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. Here's our Citi Premier card review for all the details.

Best beginner travel credit card bonus

Chase Sapphire Preferred® Card

You can't go wrong with the Chase Sapphire Preferred® Card. Not only is this card Personal Finance Insider's pick for best travel credit 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 whopping $550 annual fee on its premium sibling, the Chase Sapphire Reserve®).

The card currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. You can find out more about the card in our full Chase Sapphire Preferred card review.

The Chase Sapphire Preferred® Card comes with a 10% anniversary points bonus and up to $50 per year in statement credits for hotels booked through Chase. If you maximize this credit, you can shave off more than half of the card's annual fee.

The great thing about Chase Ultimate Rewards® points is their flexibility — redemption options include booking travel directly through the Chase Ultimate Rewards Travel Portal, transferring points to travel partners like United and Marriott, or cashing in rewards for statement credits, gift cards, and merchandise.

Best credit card bonus for booking travel through the Chase Travel Portal

Chase Sapphire Reserve®

The more premium sibling of the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® is offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

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.

Like the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® got a refresh, with improved or new bonus categories and benefits like access to the new Chase Sapphire Lounges, the first two of which are open at Hong Kong Airport (HKG) and Boston Airport (BOS). Newer locationswill continue to open at New York-LaGuardia (LGA), San Diego (SAN), Phoenix (PHX), Las Vegas (LAS), Philadelphia (PHL), and Washington Dulles (IAD).

Cardholders can also access Chase's Sapphire Terrace at the Austin airport (AUS), an indoor-outdoor space offering free drinks, grab-and-go bites, and Wi-Fi. Read our full review of the Chase Sapphire Reserve® here.

Chase Sapphire Reserve® cardholders receive up to $300 in statement credits toward travel purchases each cardholder year — effectively reducing the net annual cost to $250. Chase also recently added two complimentary years of Lyft Pink All Access membership; $5 per month in DoorDash in-app credits for cardholders from January 2023 through December 2024; and one year of free Instacart+ with up to $15 per month in statement credits on Instacart.com purchases (activation required by July 31, 2024). Here's our Chase Sapphire Reserve® credit card review.

Best no annual fee credit card bonus

Chase Ink Business Cash

If you're looking for a Chase small business card but can't 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.

It's offering a welcome bonus of $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening — awarded in the form of Chase Ultimate Rewards points at a 1:1 ratio of points to cents.

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
1% back (1x points) on all other purchases with no cap.

Find out more in our Ink Business Cash® Credit Card review.

Best no annual fee small business credit card bonus

Ink Business Unlimited® Credit Card

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 $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening (offered in the form of 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. Read our Ink Business Unlimited® Credit Card review for a closer look.

Why You Should Trust Us: How We Chose the Best Credit Card Welcome Offers

Personal Finance Insider looks carefully at the potential value of welcome bonuses and categorizes them according to which profile each will best serve. We also look at the ongoing benefits and earning rates of these cards, but our chief goal is to uncover the biggest, juiciest intro offers.

The Personal Finance Insider credit cards team is primarily concerned about one thing: that you open the right credit card for your lifestyle. There are lots of excellent credit cards out there (and just as many bad ones) — but even a credit card with an enormous value proposition isn't necessarily for you. Our job is to help you find the perfect product for your unique situation.

See our full methodology for how Business Insider rates credit cards.

Jasmin Baron

Editor

Katherine Fan

Sr. Credit Cards Editor

I'm the Senior Credit Cards Editor at Personal Finance Insider, and previously freelanced for Business Insider before joining the newsroom as a full-time employee. I've published more than 1,800 articles, guides and reviews for a diverse range of media publications including Forbes Advisor, USA TODAY Blueprint, The Points Guy, NerdWallet, LendingTree, Slickdeals Money, CreditCards.com, Bankrate and more. My areas of expertise include points and miles travel; consumer and SMB credit cards; travel insurance; personal finance; SMB technology and software; consumer real estate investing; and insurance. I'm also an experienced photojournalist who has covered Austin City Limits, South by Southwest and other global events for the Austin American-Statesman, Associated Press, Google and MSN. A proud Longhorn, I hold dual degrees in journalism and Asian American studies from the University of Texas at Austin. I began my career in the tech industry as a software sales executive before returning to my media roots. A former third-culture kid who split time between Texas and Taiwan growing up, I'm more comfortable on a plane than I am with a multi-year apartment lease. I've been to all seven continents as of February 2023 (yes, including the icy one). In my free time, you'll probably find me hanging out in an airport lounge somewhere in the world; cooking Taiwanese beef noodle soup or handwrapped dumplings; splitting time between Austin and New York City; or plotting my next visit to Taiwan.

Best Credit Card Bonuses of January 2024

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

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