Best Credit Card Sign-up Bonus, October 2021

Last updated:
I’m looking for a
personal credit card
business credit card
, issued by
Chase
American Express
Citi
Discover
other banks
, with annual fee
at $0
between $50-$100
between $101-$300
at more than $300
. Features I like include
dining card
grocey card
good for gas
record high bonus
, and my credit score is
poor (300-579)
fine (580-669)
good (670-739)
excellent (740-799)
exceptional (800-850)
The Platinum CardÂŽ from American Express
The Platinum CardÂŽ from American Express

4/5

Bonus100K Amex MRs (up to $2,000 in value)
Points Value1.0~2.0 cents per point
RequirementSpend $6,000 in 6 months
Annual Fee$695
Rewards Rate– 10x MRs at restaurants in 1st 6 months
– 5x MRs for flights booked with airlines or Amex Travel
– 5x MRs on prepaid hotels booked with Amex Travel
– 1x on everything else
PerksA LOT OF annual credits
VerdictFor those who have use of the long list of perks

Details

  • Recommended Credit Score: Good to excellent credit score (670+) is recommended. Check your credit score at Credit Karma (it’s free).
  • APR: 5.99% to 22.99% variable APR on eligible charges.
  • Foreign Transaction Fee: Zero

Amex Platinum Card Bonus:

  • Earn 100,000 Membership RewardsÂŽ Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. 
  • Plus, earn 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 Platinum Card Perks:

  • $200 Hotel Credit. Get $200 back in statement credits each year on select prepaid hotel bookings with American Express Travel using the Platinum CardÂŽ.
  • $200 Airline Fee Credit. Get up to $200 per year in statement credits when incidental travel fees on one selected airline are charged to your Card.‡
  • $300 with Equinox. Get a $25 statement credit each month at Equinox. Simply use your Platinum Card to pay for monthly Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. Enrollment required.‡
  • $200 Uber Cash. You’ll receive $15 in Uber Cash for rides or eats orders in the US every month plus a bonus $20 in December1, delivered through an exclusive Uber app experience. That’s up to $200 for Uber rides or eats orders annually. You’ll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience.
  • $240 Digital Entertainment Credit. Get up to $20 back each month when you pay for one or more of Peacock, The New York Times, Audible, or SiriusXMÂŽ with your Platinum CardÂŽ. Enrollment required.
  • $100 Global Entry or $85 TSA Pre✓. Receive either a statement credit available every 4 years after you apply for Global Entry ($100) or a statement credit available every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA Pre✓® (up to $85) with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA Pre✓®. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five–year membership every 4 years for Global Entry or every 4.5 years for TSA Pre✓®. To receive the statement credit, the application fee must be charged on the eligible Additional Card.
  • $100 Shop Saks. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum CardÂŽ. That’s up to $50 on a semi-annual basis. Enrollment required.
  • $179 with CLEAR. CLEARÂŽ uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $179 in statement credits per year after you pay for CLEAR with your Platinum Card.
  • Global Dining Access by Resy. Unlock access to exclusive tables and events when you add your Card to your Resy profile.‡

Amex Rules:

  • 5 Cards: You can only have a total of 5 active Amex credit cards, including personal and business credit cards, but does not apply to charge cards, ie. Amex Platinum card and Amex Gold card; authorized users do not count.
  • 1 in 5: You can’t be approved of more than 1 Amex card in five days.
  • 2 in 90: You can’t be approved of more than 2 Amex cards in 90 days (on top of the “1 in 5” rule).
  • Once in a Lifetime: You can only receive the welcome bonus once for a specific card, ie., if you open an Amex credit card with a bonus, cancel it later, then decide to open the same card again, you won’t receive another bonus.

Amex Membership Rewards (MRs) Value:

  • 0.6 Cent: If you redeem MRs as statement credit, you’ll typically get 0.6 cent per point. This is the simplest and easiest way to spend your MRs, but also one of the worst.
  • 0.7 Cent: If you shop online at Amex partners, eg. Walmart.com and Amazon.com, or if you redeem your MRs for gift cards, you’ll typically get about 0.7 cent per point.
  • 1 Cent: Use MRs to book flight on Amex Travel portal, you’ll get approximately 1 cent per point. This is what we consider the “Base Value” of Amex MRs.
  • 1.25 Cents: If you have Amex Platinum Card for Schwab, you can “Invest with Rewards” at 1.25 cents per point by funding into Schwab brokerage account.
  • 1.54 Cents: If you have AmEx Business Platinum Card, you get an additional 35% rewards, which makes the cash value approximately 1.54 cents per point.
  • 2.0 Cents: Among all the major U.S. credit card loyalty programs, American Express has the most transfer partners — 18 airline programs and 3 hotel programs — and this is where its MRs truly shine. Thanks to its flexible partner network, which includes a few high value travel programs, eg. All Nippon Airways Mileage Club, British Airways Executive Club, the overall transfer value of Amex MRs is estimated at around 2.0 per cents, according to most credit cards and travel points bloggers.

United℠ Business Card
United℠ Business Card

4/5

Bonus150K United miles (75K + 75K)
Points Value1.0~2.4 cents
RequirementSpend $5,000 + $15,000 in 3/6 months
Annual Fee$99
Rewards Rate2x miles on select categories; 1x on others
Credit Score670+ recommended
APR16.49% – 23.49%
VerdictOne of the highest credit card bonus you can get

Details

150K Miles Bonus Offer

  • Earn 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Earn an additional 75,000 miles after you spend $20,000 total in the first 6 months.

Points Value

  • About 1 cent per point if spent on main cabin; 2.4 cents per point if spent on business class.
  • For calculation purpose, most credit card bloggers assess United MileagePlus at around 1.4 cents per point, by which the 150K bonus is valued at $2,100, one of the highest credit card bonus you can get right now.

Rewards Rate

  • 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.

Perks

  • Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
  • Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash’s membership service. Activate by 12/31/21.
  • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • 2 United Club one-time passes per year (Over a $100 value)
  • Priority boarding
  • 25% back on United inflight purchases
  • No blackout dates for MileagePlus members booking award flights on United.

Citi PremierÂŽ Card
Citi PremierÂŽ Card

4.5/5

Bonus80K TYP (record high)
Points Value1~1.7 cents per point
RequirementSpend $4000 in 3 months
Annual Fee$95
Rewards Rate– 3x points at restaurants, supermarkets, gas stations, air travel and hotels
– 1x on everything else
Perks$100 annual hotel savings
VerdictMust have if you want to maximize TYP value

Details

With Citi Prestige having discontinued, this is the only credit card that allows you to transfer Citi ThankYou Points (TYPs) to any travel partners at 1:1 ratio, thus making it a must have if you want to maximize the value of TYPs you earned.

  • Bonus: Spend $4,000 in 3 months of account opening and you’ll get 80,000 ThankYou Points. This is the highest bonus offer for this card. If you want to get into the world of Citi credit cards, especially ThankYou Points, this is the right time.
  • Points Value: Citi Premier card holders can redeem TYPs for credit statement at 1 cent per point, or transfer it to travel partners, eg. TrueBlue, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, which has a much higher value — around 1.7 cents per point, according to assessment from most credit card and travel points bloggers.
  • Recommended Credit Score: Good to excellent credit score (670+) is recommended. Check your credit score at Credit Karma (it’s free).
  • APR: The standard variable APR for purchases, balance transfers and Citi Flex Plan is 15.99% – 23.99%, based on your creditworthiness. The standard variable APR for cash advances is 25.24%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned.
  • Foreign Transaction Fee: Zero.
  • Perks: Once per calendar year, get $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com or 1-800-THANKYOU.
  • Citi Rules:
    • 1/24: If you received a new cardmember bonus for any Citi ThankYou Points credit card (Citi Rewards+, Citi Prestige, Citi ThankYou Preferred, Citi Premier) in the past 24 months, you won’t be eligible to the sign up bonus of this card.
    • 8/65: You can only apply for one Citi credit card within any 8 day period, and two cards within any 65 days.

Wells Fargo Active Cash℠ Card
Wells Fargo Active Cash℠ Card

4/5

Bonus$200 (cash)
RequirementSpend $1,000 in 3 months
Annual Fee$0
Rewards Rate2% on every purchase
VerdictGreat bonus for a zero fee 2% cash back card

Details

  • Bonus: Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months.
  • Recommended Credit Score: Good to excellent (670+). Check your credit score here.
  • APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • Foreign Transaction Fee: 3%.
  • Perks:
    • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card.

Delta SkyMilesÂŽ Blue American Express Card
Amex Delta SkyMilesÂŽ Blue

3.0/5

Bonus10K SkyMiles points
Points ValueAround 1.3 cents per point
RequirementSpend $500 in 3 months
Annual Fee$0
Rewards Rate– 2x miles at restaurants & on Delta purchases
– 1x on everything else

Details

  • Bonus: Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. 
  • Points Value: Around 1.3 cents per point on average when redeemed for award flights.
  • Recommended Credit Score: Good to excellent credit score (670+) is recommended. Check your credit score at Credit Karma (it’s free).
  • APR: 15.74% to 24.74% variable APR on purchases.
  • Foreign Transaction Fee: Zero.
  • Perks: Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. 

Amex Rules:

  • 5 Cards: You can only have a total of 5 active Amex credit cards, including personal and business credit cards, but does not apply to charge cards, ie. Amex Platinum card and Amex Gold card; authorized users do not count.
  • 1 in 5: You can’t be approved of more than 1 Amex card in five days.
  • 2 in 90: You can’t be approved of more than 2 Amex cards in 90 days (on top of the “1 in 5” rule).
  • Once in a Lifetime: You can only receive the welcome bonus once for a specific card, ie., if you open an Amex credit card with a bonus, cancel it later, then decide to open the same card again, you won’t receive another bonus.

Delta SkyMilesÂŽ Gold American Express Card
Amex Delta SkyMilesÂŽ Gold

3.5/5

Bonus40K SkyMiles points + $50 restaurants credits
Points ValueAround 1.3 cents per point
RequirementSpend $1,000 in 3 months
Annual Fee$99 (waived 1st year)
Rewards Rate– 2x on Delta purchases, restaurants & supermarkets
– 1x on everything else

Details

  • Bonus: Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership. 
  • Points Value: Around 1.3 cents per point on average when redeemed for award flights.
  • Recommended Credit Score: Good to excellent credit score (670+) is recommended. Check your credit score at Credit Karma (it’s free).
  • Annual Fee: Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • APR: 15.74% to 24.74% variable APR on purchases.
  • Foreign Transaction Fee: Zero.
  • Perks:
    • Enjoy your first checked bag free on Delta flights. 
    • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.  
    • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

Amex Rules:

  • 5 Cards: You can only have a total of 5 active Amex credit cards, including personal and business credit cards, but does not apply to charge cards, ie. Amex Platinum card and Amex Gold card; authorized users do not count.
  • 1 in 5: You can’t be approved of more than 1 Amex card in five days.
  • 2 in 90: You can’t be approved of more than 2 Amex cards in 90 days (on top of the “1 in 5” rule).
  • Once in a Lifetime: You can only receive the welcome bonus once for a specific card, ie., if you open an Amex credit card with a bonus, cancel it later, then decide to open the same card again, you won’t receive another bonus.