The Best Credit Card Sign-up Bonus Offers Right Now

Please note this site has financial relationships with American Express and this post may contain affiliate links. Read my Advertiser Disclosure policy here to learn more about my partners.

As you may know, the one week limited time 75,000 Membership Reward points sign-up bonus offer for the Amex Business Gold Rewards card is ending on Monday around 11AM Eastern (two days from now).  I have been getting a few questions about that offer, as well as what are the other top credit card offers that are publicly available right now.  Given the increased interest in credit card sign-up bonuses, I thought it was a good time to review some of the current top offers that are available.  Of course the best specific offers for you will vary depending on your travel goals, which cards you already have, the level of spending requirements you can comfortably meet, etc. 

These aren’t ranked in a specific order, but generally speaking I think these are the best current offers:

Ink Bold Business Card or Ink Plus Business Card: 50,000 Ultimate Reward points after spending $5,000 in three months

These cards are really amazing for their 5x earning potential.  They award 5x points per $1 on the first $50,000 spent annually at office supply stores, on cable and wireless service, and landline communications.  They also award 2x points per $1 on the first $50,000 spent annually on gas and hotel expenses (paid directly to the hotel).  My family racks up thousands of points each month just from auto-paying things like cable, cell phones, home phone, etc.  There are no foreign transaction fees and there is an introductory fee of $0 the first year then $95 in subsequent years.  The main difference in the two cards is that the Plus is a credit card and the Bold is a charge card that must be paid in full each month.  I have both and they are my favorite cards in my wallet.

The Business Gold Rewards Amex: 75,000 Membership Reward points after spending $10,000 in four months

I wrote extensively about this card and what you can do with 75,000 Membership Reward points in this post, but here are the main points regarding this offer in case you missed it.

• LIMITED TIME OFFER: Earn 75,000 Membership Rewards points when you spend $10,000 in the first 4 months of Card membership.
• 3X points on airfare
• 2x points on purchases in the U.S. for advertising in select media, gasoline at U.S. stand-alone gas stations, and shipping
• 1X points on other purchases
• Points are earned only on eligible purchases. Bonus points limitations apply.
• $0 introductory annual fee for the first year, then $175
• Introductory annual fee for Additional Gold Cards in the first year is $0; then, $50 for the first Additional Gold Card and no fee for other Additional Cards
• Terms & Restrictions Apply. Offer expires January 28th, 2013.

This is the highest bonus I have seen for this card, and it is one of the few offers out there right now that is over 50,000 points.  I have no reason to suspect the offer will get better in the near future (though it certainly may return again in its current form).  The $10,000 minimum spending requirement can be a tough one for some folks, but if you can swing it, this one is worth considering before the 1/28/13 deadline.

Chase Sapphire Preferred Card: 40,000 Ultimate Reward points after spending $3,000 in three months

This card may not seem as exciting as it once was just because it has been around a while. However, if you haven’t gotten the card, it is still one of the best offers out there.  You can’t hardly beat the flexibility of Ultimate Reward points and being able to earn 2x on travel and dining.  I have this card in my wallet and continue to use it for many things – especially for dining during times when dining isn’t a bonus category on any of my other cards.

British Airways Visa Signature: (EDIT: Expired) 50,000 Avios after $1,000 in purchases in three months

This is another limited time offer card and the sign-up bonus can be as high as 100,000 points if you can meet some hefty spending requirements.  Otherwise just think of it as a 50,000 point card.  Here are the details for this card.

  • You will get 50,000 bonus Avios after you make $1,000 in purchases within the first 3 months of account opening
  • 25,000 bonus Avios after you make $10,000 in purchases within the first 12 months of account opening
  • Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases also within the first 12 months of account opening
  • Together, that’s enough Avios for one roundtrip business class award ticket
  • In addition to the bonus, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home
  • Pay no foreign transaction fees when you travel abroad
  • Every year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years
  • Annual fee $95

I don’t recall if I have received official notice of when this offer will no longer be available via the affiliate channels, but I do have an email from Chase/British Airways stating the public offer is available through February 27th, so likely there is just over a month left on this one.

American Airlines Citi Cards – Up to 50,000 Miles after meeting spending requirements

These cards are best discussed on this Flyertalk thread as there are many versions still out there, and they are all slightly different.  They typically don’t have the offer spelled out on the application page they way most offers do, but there are 1,000’s of successful reports.  The best available offers for these cards are these “unmarked” offers, so head to that FT thread for more info.

US Airways MasterCard – 40,000 US Airways Dividend Miles after first purchase

There aren’t too many offers still around that award miles after the first purchase, so this is a very solid offer.  Not only is the sign-up bonus good, but the card also gives you a 5,000 mile discount when you book US Airways award tickets on US Airways operated flight, and it awards an annual Companion Discount Certificate that can be used to fly up to two additional persons on your itinerary for just $99 for each of the additional tickets.  The initial ticket must cost at least $250, and the flight must be a flight operated by US Airways in the contiguous 48 states or from the US to Canada (subject to some black-out dates and restrictions).

There are many other great card offers out there as well (some of which are listed here), but these are a few of the offers that I think are currently the best ones available.  Let me know if I left off one of your current favorites.


Disclosure: I do receive a commission if you are approved for a credit card using one of my affiliate links.  Some of these cards are my links and some are not.  As always, thanks for your support!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. With the Citi American Airlines, do you know if there’s any way to follow up and request the 50,000 sign-up bonus if it doesn’t post after meeting the minimum spend, since it’s not possible to provide a screen shot of the offer? Thank you.

  2. @Jenn, I got these two cards with this offer in October. When I got approved, I sent Citi a secure message from each account asking them to confirm the bonus that I was eligible for, which they did. One bonus posted, and I just met the min spend on the other, so in expecting that to post as well once the statement closes. At least I have the secure messages as documentation if something goes wrong. That eased my mind as I was accumulating the min spend.

  3. @Jenn, many people send a secure message asking to confirm the details of the signup bonus so that they know when to complete the minimum spend by. Citi should respond with the details of the offer and you’d have it in writing.

  4. Just for your info. The US Airways Mastercard is churnable. I have gotten it three times already and each time I have received the 40k bonus with first purchase.

  5. @Ken, I suppose you REALLY mean “Can I get the bonus again?” I hear people say you have to wait 2 years between apps before Chase will “forget” that you had the card before. I tried at 18months once (with a new BA number even) and failed. Good luck.

  6. @Corey, I have one to two open at a time. I would wait till your next churn and apply for another and if they ask just tell them you want to separate expenses. The third card I applied for they didn’t even ask me anything.

  7. Jenn, you can confirm when you activate the card and/or via secure message.
    Jivepicnic and Walt, very good plan. 😉
    Ken, I have heard of that if there is a big gap between having the card (2 years-ish).
    Maury, when is the last time you churned it? I have read it is getting harder, but not impossible.
    Bluecat, yeah that is the general “rule” for Chase. They will give you the card again, but not always the bonus.

  8. @Mommypoints, I last applied for one and it was approved while already having one opened this same very month of January. This is the third time I apply and the third time I receive the 40k after first spend. The second time I applied they asked me why I needed another card and I simply told them to separate expenses. Now the third time they simply didn’t ask me anything and was approved after calling in.

  9. “My family racks up thousands of points each month just from auto-paying things like cable, cell phones, home phone, etc.”

    How many cell phones do you have?!?!

  10. I tried applying for the Ink Bold and totally just got rejected–the rep told me that these business cards cannot be used for start-up costs and that the business should have been established for at least 2-3 years (!) to be able to show profit/loss statements and such before getting approval. I tried asking for just a limited line of credit to start but no dice. Any advice on how I could’ve handled that better?

    • Kwu, sorry to hear that. My only suggestion would have been to make up an excuse and try another rep later. They normally aren’t that strict. You could still try another rep later.

  11. THANKS! Just got my Ink Bold and US Airways MC today. With a pair of root canals in my future I should have no problem with the spending!
    The Ink Bold is my first foray into Ultimate Rewards since I was refinancing my mortgage when all the good deals came out last year.

Leave a Reply

Your email address will not be published. Required fields are marked *