CURRENT BEST OFFERS
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Credit card welcome bonus offers are the fastest and easiest way to earn a good chunk of points from your regular, everyday spend. Strategic signups, especially when life happens, can be a great time to make sure you have a new card in hand before paying for that unexpected bill or purchase. Even on the regular, I aim to always be working on a signup bonus. If not, you’ll find me using one or both of my favorite daily drivers – Chase Sapphire Preferred® Card and the Capital One Venture X Rewards Credit Card.
My Favorite Card Combination
Chase Sapphire Preferred® Card is my go-to for those times I’m in in between card signups. This is a great card to start with in award travel, because for the $95 annual fee you get a good package of perks and benefits. The current welcome offer is for 60,000 bonus points after spending $4,000 in the first 3 months from account opening, with an annual fee of $95. This one is a keeper for me (until I’m re-eligible), because you do need a Sapphire product to transfer points to airline and hotel travel partners. My favorite way to use my Chase points is to transfer them to World of Hyatt to book $0 stays!
You can read all about this great card and offer here.
Other Chase Bank Offers
The Aeroplan Card – Earn 75,000 bonus points after spending $4,000 in the first 3 months. The annual fee is $95. This is a great card option to earn Aeroplan miles – the loyalty program of Air Canada.
Marriott Bonvoy Boundless® Credit Card – Earn 5 Free Nights (each valued up to 50,000 points) after spending $5,000 in the first 3 months. Certain hotels have resort fees.
Marriott Bonvoy Bold® Credit Card – Earn 60,000 Bonus Points + 1 Free Night Award after spending $2,000 in the first 3 months.
IHG One Rewards Traveler Credit Card – Earn 120,000 Bonus Points after spending $2,000 in the first 3 months.
IHG One Rewards Premier Credit Card – Earn 5 Free Nights after spending $5,000 in the first 3 months.
Capital One Card Offers
Capital One Venture X Rewards Credit Card is my other go-to. (We actually split our automated expenses between these two cards.) It has premium-level benefits like unlimited lounge access to three different lounge programs (Capital One, Priority Pass, & Plaza Premium), $300 annual travel credit, 10k-mile anniversary bonus, no foreign transaction fees, and built-in travel protections – just to name a few. The offer is currently the standard offer for 75,000 miles after spending $4,000 in the first 3 months. One of my favorite ways to use these miles is to cover car rental expenses, train tickets (as applicable), and/or hotel stays for when I’m not staying at a Hyatt property (because there are none available in that city!).
Update: Starting February 1, 2026, Capital One Lounge and Landing and Priority Pass access will change for cardholder guests and authorized users, and they will not be able to access lounges without paying an annual lounge access fee. You can read it all here – unfortunately, this hits families the hardest!
Another option to consider: Capital One Venture Rewards Credit Card
This card can be a great “starter” card too, and a good stepping stone into the Capital One family of cards. The current offer is for 75k miles after spending $4,000 in the first 3 months. Not to mention, it has a lower annual fee ($95). One great thing about Capital One cards – it’s a straightforward 2x back on all purchases!
This card also comes with (up to) $120 Global Entry (which includes TSA PreCheck).
And yes, unlike the Chase Sapphire® family of cards, you can hold both Capital One Venture cards! Do keep in mind that you can only receive the welcome bonus on each card, every 48 months. As of January 1, 2025, the Capital One Venture Rewards Credit Card no longer offers two free lounge visits per year; you can access Capital One lounges for a fee of $45/person.
Another Flexible Points Bank Card Option: Citi Strata Premier℠ Card
This card isn’t talked about enough. My husband and I each held this card a few years back when it was branded as the Citi Premier Card. The current offer is 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months after account opening. There’s a $100 annual hotel when you book your hotel stay of $500 or more through the bank’s travel portal. (Benefit is applied at the time of booking.) You can check out Citi travel partners, benefits and perks, and more information on the card here.
Chase Ink Business Cards
The Ink Business suite of cards is honestly my favorite when it comes to business cards, simple because two cards don’t even have annual fees! Business cards don’t count towards your 5/24 status, but remember, you do need to be under (so at 4/24 or less) in order to get approved for one. And don’t forget, you can refer a spouse or partner, or any loved one, and earn referral points on top of the card’s bonus offer. Here are the best options:
Yes, the first two are marketed as cash back cards. But you can combine points earned with other cards that earn Ultimate Rewards (for example, the Chase Sapphire Preferred or Chase Sapphire Reserve®).
American Airlines Co-Branded Card Offers
*These are non-affiliate offers. Just a reminder that the best offers will always be shared even if I don’t earn a commission.*
We know that American Airlines miles are harder to earn, with American Airlines co-branded credit cards being the best, and easiest way to earn a large chunk of AAdvantage miles.
Remember, co-branded airline or hotel cards will earn only airline miles or hotel points, so those miles/points will stay with the respective airline or hotel loyalty program.
Delta Airlines Co-Branded Card Offers
- Delta SkyMiles® Gold Business American Express Card – Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases in the first 6 months. Offer ends 7/16/2025.
- Delta SkyMiles® Gold American Express Card – Earn 80,000 Bonus Miles after spending $3,000 in the first 6 months.
- Delta SkyMiles® Platinum Business American Express Card – Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases in the first 6 months. Offer ends 7/16/2025.
- Delta SkyMiles® Platinum American Express Card – Earn 90,000 Bonus Miles after spending $4,000 in the first 6 months.
- Delta SkyMiles® Reserve Business American Express Card – Earn 110,000 Bonus Miles after spending $6,000 in purchases in the first 6 months. Offer ends7/16/2025.
- Delta SkyMiles® Reserve American Express Card – Earn 100,000 Bonus Miles after spending $6,000 in the first 6 months.
*Feel free to let me know if you have any questions or have trouble finding a specific card offer. If you’re looking for one not shared in this post, you can always check out all the current best card offers here.*
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