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It’s an excellent time to consider opening a new credit card, especially if you’re planning to travel again and looking to boost your points and miles balances. Nearly all of the big credit card issuers have recently launched massive new offers and promotions, including record-high welcome bonuses of 100,000 points or more — but many are for a limited time.
These include one of the most exciting offers we’ve ever seen — a record-high bonus of 100,000 points after you spend $4,000 on purchases in the first three months of opening the Chase Sapphire Preferred® Card.
Citi’s recently launched all-time-high offer on the Citi Premier® Card just became a lot more valuable with the temporary addition of American Airlines as a Citi transfer partner. Citi Premier® Card cardholders can transfer ThankYou points to American Airlines at a 1:1 ratio through November 13, 2021 — and if you apply now, you can earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
There’s also an incredible offer on The Platinum Card® from American Express
to earn 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership. Amex just raised the annual fee to $695 (See Rates), but also added a slew of new benefits that can more than offset the fee bump.
Read more: The best current credit card offers of July 2021
Other recently updated offers include new bonuses on three Amex Hilton cards, a 5x grocery bonus on the Chase Freedom Flex℠ and Chase Freedom Unlimited®, six-figure bonuses on Chase’s Avios-earning cards, and new elevated offers for the United℠ Explorer Card, United Gateway℠ Card, and United℠ Business Card.
With all these new offers coming in fast, taking advantage of an increased credit card bonus now can set you up with points you can use for flights, hotels, and more when you’re finally ready to travel again.
Here are some of the best credit card offers to consider this week.
Best credit card offers this week
Flexible rewards credit card bonuses
15.99% – 23.99% Variable
Good to Excellent
80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Transferable credit card points are best if you value flexibility because there are so many ways to redeem them. With programs like American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards, you’ve got options that include:
Our favorite sleeper card — the Citi Premier® Card — is offering a record-high welcome bonus, and it offers excellent earnings in categories that fit well whether you’re sticking close to home or on the road. You’ll earn 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.
If you’ve been on the fence about applying for the Chase Sapphire Preferred® Card — one of the very best rewards credit cards, especially if you’re new to travel points and miles — now is the time to pull the trigger. The card is offering a staggering 100,000 points after you spend $4,000 on purchases in the first three months of account opening.
Read more: Chase Sapphire Preferred card review
That’s worth $1,000 in cash back, $1,250 in travel booked through Chase or for statement credits toward eligible purchases through Pay Yourself back, and potentially much more if you transfer to Chase’s airline and hotel partners for award travel.
Another excellent deal is one of the best cards with premium travel and shopping benefits, The Platinum Card® from American Express. You can currently earn 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership — here’s our Amex Platinum card review for all the details.
Read more: Amex and Chase points are the two most valuable types of credit card rewards — here are their biggest differences
Small-business credit card bonuses
15.99%–20.99% variable APR
Good to Excellent
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
If you’re a small-business owner, opening a small-business credit card can offer a lot of benefits. Keeping your business and personal expenses separate makes it easier to keep track of expenses, and many cards offer bonus points, miles, or cash back in popular business spending categories.
Read more: The best small-business credit cards of 2021
You don’t have to own a full-time business or make millions to be eligible to apply — even if you’re a freelancer or have a side gig, you could qualify for a small-business card. The Business Platinum Card® from American Express and Ink Business Preferred® Credit Card are both offering 100,000 points after meeting minimum spending requirements, and, depending on how you redeem them, you could get a value of $1,800 or more from these bonuses.
The recent annual-fee increase on the personal Platinum Card actually makes the Amex Business Platinum Card a more compelling choice, since its annual fee is a full $100 less than the personal version (See Rates) — but it comes with many of the same benefits and credits.
Cash-back credit card bonuses
$95 (waived the first year)
13.99% to 23.99% variable APR
20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months
0% intro APR on purchases for 12 months from account opening
Our top pick for the best cash-back credit card overall, the Citi® Double Cash Card, doesn’t currently offer a welcome bonus. And other excellent options, like the Chase Freedom Flex℠, Chase Freedom Unlimited®, and the new Citi Custom Cash℠ Card, aren’t exclusively cash-back cards (though they’re marketed that way).
Read more: The best cash back credit cards of 2021
Right now, the Blue Cash Preferred® Card from American Express has an elevated welcome bonus that is particularly good for those who shop at Amazon. New cardholders can earn 20% back on Amazon.com purchases (up to $200 back) in your first 6 months of Card Membership, plus $150 back as a statement credit after you spend $3,000 on the Card within the first 6 months.
You’ll also earn 6% cash back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S. streaming services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is earned in the form of Rewards Dollars).
Airline credit card bonuses
15.74% to 24.74% variable
Good to Excellent
90,000 Bonus Miles after spending $3,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021)
0% intro APR on purchases for 12 months (offer expires 7/28/2021)
Delta loyalists have some excellent welcome bonuses to choose from with the latest elevated bonuses on the Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Platinum American Express Card, and Delta SkyMiles® Reserve American Express Card. These are all great deals, but you’ll earn the most miles from the Delta SkyMiles® Platinum American Express Card, which is offering 90,000 Bonus Miles after spending $3,000 in purchases (plus a $200 statement credit after you make a Delta purchase) within your first 3 months (offer expires 7/28/2021).
If you’re a United Airlines flyer, you’re spoiled for choice right now with a whopping five Chase United credit cards with increased bonuses to pick from. Because United miles don’t expire, it’s a great time to earn more United MileagePlus miles for a trip when you’re ready to travel again.
Read more: The best airline credit cards of 2021
This includes the new New United Quest℠ Card, which is a great option if you check luggage on United flights frequently — it offers two free checked bags for yourself and a companion when you use the card to pay for your ticket (or the taxes and fees on an award ticket).
Hotel credit card bonuses
100,000 points after you spend $1,000 in purchases in the first 3 months of Card Membership, plus, up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership (offer expires 8/25/2021)
Several hotel credit cards are offering increased bonuses — including the IHG® Rewards Club Premier Credit Card, Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, and The Hilton Honors American Express Business Card.
There’s also a unique elevated offer on the Marriott Bonvoy Boundless™ Credit Card. New cardholders can earn 3 Free Nights (valued up to 50,000 points each) after spending $3,000 in the first 3 months, plus 10x total points per $1 spent on up to $2,500 in combined purchases in select categories within your first 6 months.
Marriott points are worth, on average, 0.7 cents each according to Insider’s points and miles valuations, so you can expect to get around $1,225 in value if you redeem your free nights at 50,000-point hotels and max out the 10x grocery, gas, and dining bonus.
Read more: The best hotel credit cards of 2021
Keep in mind that most hotel chains, including Marriott and Hilton, have temporarily paused points expiration due to the pandemic, so there’s no harm in earning points now for a vacation down the road.
Good to Excellent
3 Free Nights (valued up to 50,000 points each) after spending $3,000 in the first 3 months, plus 10x total points per $1 spent on up to $2,500 in combined purchases in select categories within your first 6 months
Good to Excellent
$200 after spending $500 in the first three months from account opening
Good to Excellent