Updated February 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would apply for right now, if I didn’t already most of them. Recent changes:

  • Replaced Citi AA 50k card offer with limited-time Barclays AA 60k offer.
  • Chase Southwest Rapid Rewards – easy Companion Pass offer expires 2/11.
  • Hawaiian Airlines – limited-time offer up to 60k.
  • Barclaycard Arrival Plus – bonus offer up to 70k.

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Barclaycard Arrival Plus Card

  • 70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days and paying the annual fee. See link for details.
  • Unlimited 2X miles on every purchase.
  • $0 annual fee for the first year, then $89.

Chase Sapphire Preferred Card

  • 50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Chase Southwest Rapid Rewards Plus Card

  • Bonus Companion Pass + 30,000 Southwest points. Earn the Companion Pass and 30,000 points after spending $4,000 within the first 3 months. Offer ends 2/11/19. Companion Pass is promotional and will end 12/31/19. See link for details.
  • $69 annual fee.
  • Subject to 5/24 rule.

Hawaiian Airlines Bank of Hawaii Card

  • 60,000 Hawaiian Airlines miles. Limited-time offer of 60,000 bonus Hawaiian miles after spending $2,000 within the first 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Barclays AAdvantage Aviator Red Card



  • 60,000 American Airlines miles. 60,000 miles after first purchase (any amount) in first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $95 annual fee.

Citi Premier Card

  • 50,000 ThankYou points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • 3X points on Travel, including Gas Stations
  • $0 annual fee for the first year, then $95.

British Airways Visa Signature Card

  • Up to 100,000 Avios points. 50,000 Avios after $3,000 in purchases within first 3 months. Additional 25,000 Avios for $10,000 in purchases within first year. Additional 25,000 Avios for $20,000 in purchases within first year. See link for details and redemption tips.
  • Free Travel Together companion ticket when you spend $30,000 in calendar year.
  • $95 annual fee.
  • NOT subject to 5/24 rule.

American Express Gold Card

  • 40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.
  • $120 in Grubhub and Seamless credit. $10 in statement credits each month when you pay with this card at participating partners – Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations.
  • $100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.
  • $250 annual fee.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Capital One Savor Cash Rewards Card

  • $500 cash bonus after $3000 in purchases within the first 3 months. See link for details.
  • 4% cash back on dining and entertainment.
  • $0 annual fee for the first year, then $95.

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.”

Top 10 Best Credit Card Bonus Offers – February 2019 from My Money Blog.


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