Today is the Best Day for Credit Card Sign-Up Bonuses

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Many of these offers have ended.  For updated offer go to this page.


Holy moley we are in the middle of an increased credit card sign-up bonanza.  I love sharing info about the best possible credit card sign-up bonuses since it is a way to shoot your miles and points bonuses up in a hurry.  Truth be told, even I am having a hard time keeping up with all of the sign-up bonuses that we have seen increase in the last few days, as it has been a little crazy (in a good way).  So while it wasn’t my original intent to talk about sign-up bonuses again today, I think a list of all the increased bonuses is a good idea since I can’t remember the last time we had so many offers increase at the same time.

To put it another way, today is the best day for credit card sign-up bonuses that we have seen in a while, and at least three of the bonuses will start to go back down tomorrow.  If you wanted to get into the world of rewards credit cards, you honestly couldn’t have stumbled upon a better time in terms of getting the biggest bang for your sign-up bonus.  Here is a list of some of the cards that currently have temporarily increased sign-up bonuses, and a few words about how often we see the offer for that card at that level.

Ink Bold® Business Charge Card and Ink Plus® Business Credit Card: 60,000 Ultimate Rewards points after spending $5,000 in the first three months.  This offer has been out since May 1st, but goes away tomorrow (June 1st).  We hadn’t seen the public offer at this level in a year, and I expect it to go back to the 50,000 point level beginning tomorrow afternoon.  These cards have 5x bonus categories that make them absolute favorites of mine.  These cards have a $95 annual fee after the first year.    You can read more here.

Ink Cash® Business Credit Card: 30,000 points ($300 cash back) after spending $3,000 in the first three months.  This offer has also been out since May 1st, but will go back down presumably to the 20,000 point ($200 cash back) level starting tomorrow evening.  I can’t remember off-hand ever seeing the public sign-up bonus at 30,000 points/$300 for this card as I think it just went up to 25,000 points/$250 for Small Business Week in 2013.  I know for sure this is a rare sign-up bonus for this card that does not have an annual fee.


Temporarily Increased Offers With June End Date:

Starwood Preferred Guest American Express Business and Personal Cards: 30,000 points after spending $5,000 in the first 6 months.  This bonus is broken up into 10,000 points after the first use, and 20,000 bonus points after you spend $5,000 in the first 6 months.  The normal sign-up bonus for these cards amounts to 25,000 points, but we often see a limited time increased offer to 30k at some point in the summer.  They are doing the higher sign-up bonus just via referrals right now, meaning that those who hold one of those cards can refer friends/family to the 30k offer and get 5k points for themselves in the process.  That is pretty awesome!  These cards have a $65 annual fee after the first year.  You must be referred and approved for the 30k offer by June 30th.  If you want in on this, email me at mommypoints at with your name and whether you want a biz or personal referral and I’d be happy to send a referral your way.  You can read more about this offer here.


Temporarily Increased Offer With Unknown or Later End Dates:

These offers are all temporarily increased over the normal levels, but the end dates are either a few months away or to-be-announced. 

Chase Freedom®: 20,000 points (aka $200 in cash) after spending $500 in the first three months + 2,500 points for adding an authorized user who makes a purchase in the first three months.  This card earns Ultimate Reward points that are transferable to hotels/airlines if you also have the Ink Bold, Ink Plus, or Chase Sapphire Preferred cards, otherwise the points have a one cent = one point value toward gift cards or statement credits.  This is the highest I have seen this bonus other than a very short lived 30k offer a couple years ago that probably wasn’t supposed to be publicly available.  I don’t expect us to see a higher offer for this card anytime soon.  The offer was just increased yesterday, and I would bet we see it at this level for at least a few weeks, but I don’t have a firm end date yet.  This is a very good sign-up offer for this annual fee free card that has rotating 5x bonus categories.  You can read more here.

Citi HHonors Visa Signature: 60,000 Hilton HHonors Bonus Points after making $1,000 in purchases in the first four months (offer available through 8/31/14).  You will also get a $25 statement credit if you spend $200 or more on car rentals at participating National Car Rental, Alamo Rent A Car or Enterprise Rent-A-Car locations in the U.S. and Canada within the first four months of account opening.  This is better than the current standard offer of 40k points, and even higher than the recent increased offer we had this spring of 50,000 + a $50 statement credit.  This offer really isn’t bad for an annual fee free card if you need some HHonors points.  The Business Gold Rewards Card from American Express OPEN: is now 25,000 Membership Reward points after you spend $5,000 in the first three months. This isn’t a historical high for this card (last year we saw 75k numerous times), but it isn’t a bad sign-up bonus either.  This card awards 3x Membership Reward points on airfare booked directly with the airlines and 2x points on select media, gas stations, select computer hardware (like from Apple!), and select cloud services.  I have this card myself and use it to pay for the majority of my airfare for 3x points.  $0 introductory fee for the first year then $175. There is no foreign transaction fee.

Southwest Airlines Rapid Rewards® Premier Credit Card: 50,000 Rapid Reward points (worth over $700 toward Wanna Get Away fares) after spending $2,000 in the first three months.  We typically see this card jump to the 50k level from the standard 25k several times a year.  There are four versions of this card that you can read all about here.  I don’t expect this to be a “once in a lifetime” opportunity on this card, but it is at the highest level we see for this card.  This card has a $99 annual fee, but some of the other versions have a $69 annual fee.

Citi AAdvantage Executive World MasterCard: 100,000 American Airlines miles after spending $10,000 in the first three months. This offer has been out since January, but I won’t be surprised to see it drop back down to a 50k or 75k level at some point as it is just insanely high.  There is a hefty annual fee of $450, but it also comes with $200 in statement credits after you spend $200, so it is effectively like $250 in the first year.  It also comes with American Airlines AAdmirals Club membership.  Some people have been enjoying this offer so much, they have taken advantage more than once…


How To Take Advantage of These Offers:

If you have been thinking about getting one of these cards, and now is a good time for you to apply (not about to refinance, can hit spending requirements, etc.), then do your best to make sure you get the card(s) while the offers are at these increased levels.  Some enthusiastic miles and points fans might want to get one from each bank, so for example an Ink Plus for 60k, Amex SPG for 30k, and Citi AAdvantage Executive World MasterCard for 100k.  That would be a great batch of very valuable points!  Of course, that is also a bunch of spending requirements to have to meet, so only bite off as much as you can chew.  Don’t dive head first until you are ready!

Even just getting in on one increased offer can be a great start or addition to your miles and points collection.  Which of these cards are you interested in pulling the trigger on?


Disclosure: Some of these offers are my affiliate links, and some are not.  All are to the highest offers I know of for these cards. 


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. 3 posts in a row pushing credit cards?

    Hitting it a bit hard, aren’t we?

    How about some posts on your Maldives trip to break things up a bit?

    • Monkey, I like to keep topics rotating but these offers all came out in rapid succession. Wouldn’t have planned it that way but too good of deals to skip over. Have to finish up Paris before Maldives. 😉

      • Paris is great. We’re here at the PHVD atm and kids are having a blast. The gardens and playgrounds have been fantastic.

        • Sam, so glad you are loving Paris. Totally agree about the gardens and playgrounds! Post on that coming in a day or two. 😉

  2. I never ever apply for links from greedy people like mommy points and viewfrom the wing and others.. Nothing they post makes any sense and teaches us nothing. 98% of what they post is about credit card sign up bonuses. They want referral bonus and that’s it.

    I always sign up from frequent miler’s link because he never ever begs for referral bonus and everything he posts on his site is so useful and full of information!

  3. Hmmm… Which of these brands are you representing as an affiliate? It just isn’t clear as to which offers amount to paid advertisement.

  4. I appreciate everyone that takes the time to read this site. There are lots of miles and points blogs out there and I think it is only worth spending time and energy on the sites that meet your needs. We all have our own style and focus on different things and from a different point of view.

    Credit card sign-up bonuses are how the overwhelming majority of my readers get a good chunk of their points so posts that focus on the best sign-up offers are important in making that happen.

    I hadn’t planned to write about sign-up bonuses for three posts straight, but that’s how the offers came out. Other than the timing issue, I am glad all these offers are out as they represent a great way to rack up miles and points. If that isn’t for you, no hard feelings. Feel free to skip the post and just hang around when the topic is more beneficial to your particular travel goals.

    I know lots of folks have been able to get in on these increased offers and I’m excited for them completely outside of any affiliate relationship I have with some of the cards. For those curious, the Ink offers, Southwest, and Freedom were my links in this post. The Citi HHonors, Citi AA, Amex Biz Gold, and Amex SPG offers were not affiliate links (though I can refer to the SPG offers just like any other cardholder).

    Hope that helps and stay tuned for new posts coming after “play time” this afternoon.

  5. “Credit card sign-up bonuses are how the overwhelming majority of my readers get a good chunk of their points”

    Extremely curious about how you could possibly know this for a fact. Truth be told, you really DON’T know this, so why not just admit that you are pushing product because that’s primarily the reason for the blog.

    • Bluecat, I’m pretty certain of that. This isn’t a blog that focuses much on ms or earning via tons of mileage runs or biz travel so that leaves one thing. Not exactly sure what the issue is with posting the best offers to the best cards out there, but thanks for sharing none the less. It’s the weekend and we are talking about travel and easy points so all good things.

  6. Summer, thank you very much for your information. This is the first place that I come for credit card, hotel, flight and all other travel information, every day. The haters with post but just realize that you help so many of us and we really do appreciate it. I have learned so much and really have benefited from your blog. Ignore the nasty comments and keep posting. I will continue to use your affiliate links (I did this week). Thank you.

    • @Kathy and @Deedeema and others, Sorry that you don’t like it when people disagree with a post and call out the author. No need to call them “haters” though.

      We come to this blog for a variety of reasons. I have a family and I am always on the lookout for tips on travelling with them. But when the posts get way too much like infomercials, then I think it’s okay to speak up. This is especially important for the new readers out there that can easily be swayed into trusting a blog author and not thinking through all of their actions.

      Lots of people have made comments like “Hey, if you don’t like it, don’t read”. Kind of like “America, love it or leave it”. What about if you love it and think something is wrong…can’t we speak up about it? It’s not personal to this blog, btw….there are far too many bloggers working their audiences in the guise of “providing valuable information”.

      • Appreciate the support from those who provide it and alternative points of view as well. I too worry about those new to the miles and points world when it comes to credit card sign-up bonuses, but more so in terms of being given inferior sign-up bonuses without them knowing it, being encouraged to bite off more than they can chew, encouraged to do things that would fall into a riskier grey area, etc. Those are things I see from time to time on other sites that I personally don’t approve of. Being given clear info on the best sign-up offers out there (whether they are affiliate links or not) has been a part of this blog since it started, and it is pretty much the most popular topic I post about. So of course feel free to speak up and give feedback, but I can’t imagine this topic going away in the near-term future unless the banks just overnight stopped hanging out big sacks of miles for getting their cards.

        In the meantime, thanks everyone for reading and as always feel free to focus on the posts/topics you are interested in, and skip over the rest.

      • Bluecat, I think you may need some help based on what I am reading. See point 2 below.

        1. I love the updates on these bonuses. This is how my family takes our trips, by triangulating our own personal perspective, that of bloggers like MP, and that of the community like commenters here and on FT. I agree with MP, I think a lot of us family travel hackers are wary of MS, and I like balancing the family focused non MS coverage here with perspective like FM’s, and the aspirational stuff guys like Lucky are doing. There’s so much great diversity of coverage and strategies for this game out there, why take time out to hate? Which takes me to…

        2.bluecat, you are a hater, dude. Here’s how you can tell in the future: You go out of your way to call out publicly someone who is putting time and effort into producing content, instead of just thinking to yourself “Oh. I don’t appreciate this. I think I’ll go consume something else.”

        It’s one thing to have a preference for FM. It’s another to go on someone else’s blog and tell them how much butter he is than them because he focuses on a topic you personally find more valuable. So the hater non hater distinction isn’t that you don’t like it around here, it’s that you want to make sure the blogger and her audience knows that you don’t care for them. It’s the equivalent of Kanye West grabbing the mic from Taylor Swift. You may have wanted Bey to win, but there was no need to put Taylor Swift on blast.

  7. Almost all bloggers have written about these offers at least 3 times in the last week. Its a business. There is time and money spent to run a blog like this. So, obviously they need to/try to make maximum benefit out of it. Let it be. For me personally, I like mp mainly because most of her posts are themed around the family and that matches my use of points. Also, being a fellow Houstonian, her posts sometimes matches my experience too. So, I use her affiliate links whenever possible. Its a win-win for me.

    Also, it true that almost all bloggers get their ideas from flyertalk. But they present it nicely in a 5 minute material helping you to avoid spending time on gazillion posts there.

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