Updated on Oct 10, 2019

Best Sign-up Bonus Cards

Reward yourself with a signup bonus worth up to $1,000.
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Nearly everyone in the U.S. has received a credit card offer in the mail, and almost all of them come with some form of incentive or bonus offer. These offers usually come in the form of promised cash back or points in return for spending a certain amount of money in a given time frame.

These signup bonuses can provide some solid benefits if utilized properly. The goal is to find the best credit card and accompanying bonus offer for your needs.

Summary

Best Credit Card Signup Bonus Offers of 2019

  • Chase Sapphire Preferred® Card LEARN MORE
    Best for Frequent Travelers Chase Sapphire Preferred® Card
    Learn More on creditcards.com's secure website
  • Capital One® Venture® Rewards Credit Card APPLY NOW
    Best for Excellent Credit Capital One® Venture® Rewards Credit Card
    Apply Now on Capital One's secure website
  • Capital One® Quicksilver® Cash Rewards Credit Card APPLY NOW
    Best for No Annual Fee Capital One® Quicksilver® Cash Rewards Credit Card
    Apply Now on Capital One's secure website
  • Chase Freedom® LEARN MORE
    Best for long 0% intro period Chase Freedom®
    Learn More on creditcards.com's secure website
  • Chase Freedom Unlimited® LEARN MORE
    Best for flexible rewards redemption Chase Freedom Unlimited®
    Learn More on creditcards.com's secure website
Learn More on creditcards.com's secure website

Best for Frequent Travelers

Chase Sapphire Preferred® Card

Redeem for... Airfare, hotels, car rentals and cruises
Reward details 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Terms Apply.

Current Offer 60,000 points
Annual Fee $95
  • Spend $4,000 on purchases in your first three months to earn 60,000 bonus points. That’s $750 in travel!
  • Get 25% more in redemption value when you redeem through Chase Ultimate Rewards. You can redeem for airfare, hotels, cruises and car rentals.
  • Transfer points to other travel rewards programs for a 1:1 value.
  • Refer friends and receive 15,000 bonus points for each friend who gets approved, up to 75,000 bonus points.
  • Issuer: Chase
  • Annual Fee: $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 27.24% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 18.24% - 25.24% Variable
  • Penalty APR: None

Our two cents

Who should get it

Folks who enjoy traveling and sightseeing will get a lot of mileage out of the Chase Sapphire Preferred® Card, which offers a 60,000 point sign up bonus (with a $4000 in the first 3 months spending requirement), along with a 2 point bonus on travel and dining purchases.

How to use it
Use the card for any and all purchases related to travel including airfare, hotels, train and taxi fares and dining. With the 2 points per dollar spent benefit, it’s a win-win scenario.
Consider this

The Chase Sapphire Preferred® Card offers a number of flexible redemption options, with points redeemed for credit, direct deposit, travel or gift cards from a wide variety of merchants. And their annual fee is a reasonable $95.

Why you'll love it

The Chase Sapphire Preferred® Card is a great entry card for those who enjoy traveling, with an easy-to-understand rewards structure and generous points offerings on dining and travel purchases. Chase offers one of the best signup bonus offers and continuous use benefits in the industry.

Learn More Back to top
Apply Now on Capital One's secure website

Best for Excellent Credit

Capital One® Venture® Rewards Credit Card

Redeem for... Hotels, airfare, train tickets, and more
Reward details 2X miles on all purchases

Current Offer 50,000 miles
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 50000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 24.74% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 17.49% - 24.74% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® Venture® Rewards Credit Card is a good choice for those with excellent credit scores. Applicants should have a minimum score of 700 on at least one of their credit reports, while instant approval would require a score of 750 or better.

How to use it
Any way you wish. The Capital One® Venture® Rewards Credit Card was designed to compete against other cards most closely associated with airline benefits, and yet pays a higher reward rate on pretty much every purchase. There are no restrictions on travel times, places or lodging accommodations.
Consider this

While the application requirements are somewhat strict, you will enjoy the benefit of a regular APR between 17.49% - 24.74% (Variable), and no annual fee for the first year ($95 after that).

Why you'll love it

Capital One® Venture® Rewards Credit Card offers a substantial sign up bonus, generous rewards, and flexible redemption options, making it one of the most versatile and beneficial cards on the market. The Capital One® Venture® Rewards Credit Card offers a 50,000 mile signup bonus after you spend $3000 in purchases in the first three months.

Start your application now Back to top
Apply Now on Capital One's secure website

Best for No Annual Fee

Capital One® Quicksilver® Cash Rewards Credit Card

Redeem for... Statement credit or check
Reward details Earn unlimited 1.5% cash back on every purchase, every day

Current Offer One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; , cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.74% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.74% - 25.74% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® Quicksilver® Cash Rewards Credit Card is the ideal card for those seeking the simplicity of a cash back credit card but not the annual fees that often go along with them. It is also an excellent card for those needing to make a high cost purchase or transferring debt from a higher interest credit account.

How to use it
There are no bonus categories involved with the Capital One® Quicksilver® Cash Rewards Credit Card; you have the opportunity to earn 1.5% cashback on every purchase made with the card. The cashback option has no limits and rewards do not expire unless the account is closed.
Consider this

Capital One® Quicksilver® Cash Rewards Credit Card allows you to have rewards redeemed automatically at a given time every calendar year, which makes it easy to plan for vacations or other major life events. You may also choose the amount you would like to redeem; there is no minimum or limit.

Why you'll love it

The Capital One® Quicksilver® Cash Rewards Credit Card is one of the more simple credit card options available, with 1.5% earned on each purchase and simplified, easy to understand redemption procedures. Pair that with a one-time $150 cash bonus when you spend $500 on purchases within the first three months of account opening, and you’ll see how well this card can work for you.

Start your application now Back to top
Learn More on creditcards.com's secure website

Best for long 0% intro period

Chase Freedom®

Redeem for... Cash, gift cards, travel, and products or services made available through the program
Reward details Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

Current Offer Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee $0
  • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • Unlimited 1% cash back on all other purchases
  • Cash Back rewards never expire as long as your account is open
  • No minimum to redeem for cash back.
  • Free credit score with Credit Journey℠
  • Issuer: Chase
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.74% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 16.74% - 25.49% Variable
  • Penalty APR: None

Our two cents

Who should get it

Chase Freedom® is the card for those looking to get the most out of their accounts, with a 0% intro APR for the first 15 months, earning cash back for a variety of rotating categories, and offering a flat cash back rate everywhere else. The signup bonus is good for $150 (after you spend $500 on purchases in your first 3 months), but the card is utilized to its potential when combined with other Chase cards that earn points such as Chase Sapphire Preferred.

How to use it
As previously mentioned, the Chase Freedom® card operates best in conjunction with other Chase credit products. It is best used for the rotating categories and 5% cash back up to $1,500 in combined purchases in bonus categories each quarter you activate, while other Chase cards, with higher rates, may be used for other purposes.
Consider this

The Chase Freedom® card provides access to Chase’s Ultimate Rewards Program, allowing for an increase of the reward value by as much as 25%.

Why you'll love it

The Chase Freedom® card offers some of the highest rated cashback bonus options and a wide array of benefits, and it is one of the best balance transfer credit cards. They provide a solid signup bonus and a 0% intro APR on balance transfer rates for 15 months, as well as secondary car rental insurance coverage, and all without an annual fee.

Learn More Back to top
Learn More on creditcards.com's secure website

Best for flexible rewards redemption

Chase Freedom Unlimited®

Redeem for... Cash, gift cards, travel, and products or services made available through the program
Reward details Earn unlimited 1.5% cash back on all purchases.

Current Offer Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee $0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum needed to redeem for cash back
  • Cash Back rewards never expire as long as your account is open
  • Free credit score with Credit Journey℠
  • Issuer: Chase
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.74% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 16.74% - 25.49% Variable
  • Penalty APR: None

Our two cents

Who should get it

The Chase Freedom Unlimited® card is for those looking for the most options in their rewards redemption, maximizing the cash back options, offering hassle free balance transfers, and combining its use with other Chase credit cards and accounts.

How to use it
Chase’s newest offer allows users to earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening also earn unlimited 1.5% cash back on all purchases.
Consider this

There is no annual fee, no minimum requirements for cash back redemption, and Chase’s Credit Journey℠ offers a free credit score, updated weekly, to all the consumer to better manage their accounts.

Why you'll love it

Chase Freedom Unlimited® provides ease of use and a higher than average rate of reward, and it is one of the best balance transfer cards on the market, but it’s real power and efficiency is found in pairing it up with other Chase cards that provide the Ultimate Rewards package.

Learn More Back to top

Here are the best credit card signup bonus offers for 2019:

Best for... Credit Card
Frequent Travelers Chase Sapphire Preferred® Card Learn More
Excellent Credit Capital One® Venture® Rewards Credit Card Apply Now
No Annual Fee Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
Long 0% Intro Period Chase Freedom® Learn More
Flexible Rewards Redemption Chase Freedom Unlimited® Learn More

How signup offers work

Credit card signup offers can sometimes almost sound too good to be true. Depending on the provider, however, some of these offers may be worth several hundred dollars in the short term in exchange for you simply using the card for a predetermined amount in purchases for a limited time, usually the first two or three months that you have the card.

Signup bonus offers typically come in two forms, travel rewards or cash back. Cash back comes in the form of a credit statement or a physical check mailed to you (or direct deposited into your account). Some cash back offers also come in the form of gift cards to outlets such as Amazon or other merchants. Travel rewards or points can be a big boon at the beginning of your rewards-earning journey, earning you flights or hotel stays right out the gate.

While these offers are a one-shot deal, they are quite lucrative. Just be sure to research and choose the one that suits your financial requirements.

Here’s how to maximize your signup bonus

While these signup offers are one-time events, there are several ways through which you can get some pretty good mileage out of them. For starters, make sure you can meet the requirements without going into unnecessary debt. Use the card for as many of your routine expenses as possible and get into the habit of paying off your balance every month.

Some folks like to get the card, make use of the bonus, then close the card. This is the financial equivalent of buying a big TV for the big game, then taking it back the next day. It does nothing beneficial for your credit history and may even make obtaining credit in the future more difficult.

Keep in mind that not every transaction counts toward your minimum spending requirements. Returned items, cash advances and balance transfers do not qualify, as these are more along the lines of “moving money around” as opposed to spending it productively.

While signup bonus offers are attractive and enticing, it is most important to determine your financial needs and goals before committing to any card. Read the card’s disclosure thoroughly before making any commitment.

Signup bonus best practices

There are a number of common-sense rules to follow when considering your credit options, along with any signup offers that may come with them.

Consider all options

You will receive any number of attractive offers in your mailbox almost every week. And look beyond the signup offer at the other terms of the agreement. Many times, this is where the make or break decision is to be found.

Don’t run out the clock.

The signup bonus offer means nothing if you don’t meet the time requirements.

Go beyond the minimum.

You don’t want to see your benefits negated because of an unexpected return or a miscalculation. Allow a bit of a safety net to make sure you qualify for the reward.

Don’t violate the terms.

This is the single most surefire way to make sure you never see any return on your efforts. Be familiar with the terms of the agreement and abide by them.

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