Updated January 2020. 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 personally apply for right now, if I didn’t already have most of them. Notable changes:
- Southwest 75k – limited-time offer.
- United 65k – limited-time offer.
- NavyFed 50k expired.
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 . 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.
- 60,000 Ultimate Rewards points (worth $750 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.
- $95 annual fee.
- Subject to 5/24 rule.
- Alternative: . 3X on Travel and Dining, Priority Pass airport lounge access, $450 annual fee, $300 annual travel credit.
- Up to 75,000 Rapid Rewards points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Earn an additional 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.
- Southwest still gives everyone two free checked bags.
- More than halfway to Companion Pass. If you can sign up for this one and also the small business version, you can qualify for a .
- $69 annual fee.
- Subject to 5/24 rule.
- Up to 65,000 bonus United miles. 40,000 miles after $2,000 in purchases within 3 months, plus an additional 25,000 miles after $10,000 total in purchases within the first 6 months. Limited-time offer. See link for details.
- Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.
- Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
- $0 annual fee for the first year, then $95.
- Subject to 5/24 rule.
- 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
- First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
- $0 annual fee for the first year, then $99.
- 60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
- $99 Companion certificate offer. Earn a certificate good for 1 guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
- First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
- $99 annual fee.
- 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
- 3X points for every $1 spent on travel including gas stations.
- Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
- $95 annual fee.
- 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.
- 50,000 miles (worth $500 towards travel) after $3,000 in purchases within the first 3 months. See link for details.
- 2% cash back on ALL purchases. Plus earn 10X miles at Hotels.com through January 2020.
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $0 annual fee for the first year, then $95.
- 60,000 Hawaiian miles after $2,000 in purchases within 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.
- 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.
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