If you plan to apply for new cards soon, I think there are quite a few cards worth prioritizing right now. The high offers on the AMEX Platinum and Gold are still around, and the Hilton Aspire just increased to an all-time-high 200,000 points. The UA, Delta, AA, and AC card families also all have very high offers. The IHG Premier has 190k after its refresh. Details are below:
- For flexible-points cards, the AMEX Gold 100,000 and Platinum 175,000 offers are both very good, though unfortunately they are both “mystery box” high offers. If you have a lot of rent or mortgage payments, Bilt’s new premium card is also good. There is also the Capital One Venture 75,000+$300 credit offer. Both HSBC cards are now at all-time highs.
- For airline cards: the Delta and UA families currently have very high offers and are worth watching. Aeroplan, the AA family, and BA also have good offers.
- For hotel cards: Hilton is very strong this round. Aspire is directly at an all-time-high 200,000 points, and the other two personal cards also come with uncapped free night certificates. Both IHG cards are at all-time highs after their refresh.
- If you are not sure what stage you are in or which card you should apply for, see our latest guide: 2026 U.S. Credit Card Application Roadmap: From Your First Card to Advanced Player
This article mainly lists good welcome offers on personal cards. For small-business card rankings, see: Best Small-Business Cards
Contents [Hide]
- 1 This Month’s All-Time-High Welcome Offers
- 2 This Month’s Limited-Time Welcome Offers
- 2.1 Capital One Venture Rewards (75,000+$300 Hotel Credit)
- 2.2 Citi AA Platinum (80,000)
- 2.3 Chase Sapphire Preferred (75,000)
- 2.4 Bilt Palladium (50,000+$300)
- 2.5 Chase Marriott Bonvoy (3 Free Night Certificates+$100)
- 2.6 Capital One Venture X (75,000)
- 2.7 Citi Strata Elite (75,000)
- 2.8 Chase United Airline (80,000+First-Year Annual Fee Waived)
- 2.9 Chase United Quest (90,000+500 PQP)
- 2.10 Chase British Airways (90,000)
- 3 This Month’s Regular Welcome Offers
- 3.1 Chase Sapphire Reserve (100,000)
- 3.2 AMEX Marriott Bonvoy Brilliant (100,000)
- 3.3 BofA Atmos Rewards Summit (80,000+25,000 companion ticket)
- 3.4 Co-branded Platinum (80,000)
- 3.5 BofA Atmos Rewards Ascent (70,000+companion ticket)
- 3.6 Bank of America Premium Rewards ($600)
- 3.7 Bank of America Premium Rewards Elite (75,000)
- 3.8 Citi Strata Premier (60,000)
- 3.9 Wells Fargo Autograph Journey (60,000)
- 3.10 Chase Hyatt (up to 60,000)
- 3.11 Citi AA Globe (60,000)
- 4 About Welcome Offers
- 5 Welcome Offer Master List
This Month’s All-Time-High Welcome Offers
- All-time high: refers to the highest welcome offer historically, or an especially good offer over the long term.
- My suggestion is: if you can see this offer, you should definitely prioritize applying for it. If you get it, you absolutely will not lose out.
Three AMEX Hilton All-Time Highs
- Which of the Four Hilton Co-Branded Credit Cards Should You Apply For When They Are at All-Time Highs?
- The no-annual-fee Hilton card is offering 70,000 points + 1 uncapped free night certificate; Surpass is offering 130,000 points + 1 uncapped free night certificate; Aspire has increased directly to 200,000 points. The promotion ends on January 13, 2027.
AMEX Hilton Aspire Credit Card
Complimentary top-tier Hilton Diamond status! Up to $600 in annual airline and hotel credits, plus a free night reward every year!
- Welcome bonus: 200,000 Hilton points (spend $6,000 in six months)
- Rewards: 14x on Hilton hotel purchases, 7x on flights, dining, and car rentals, and 3x on all other purchases
- Redemption: Redeemable at Hilton properties worldwide
- Annual fee: $550
- Apply now>>
AMEX Hilton Surpass Credit Card
Complimentary Hilton Gold status + $200 hotel statement credits!
- Welcome bonus: 130,000 Hilton points + 1 free night certificate (spend $3,000 in six months)
- Rewards: 12x at Hilton hotels, 6x at supermarkets, restaurants, and gas stations, 3x on all other purchases
- Redemption: Redeemable at Hilton properties worldwide
- Annual fee: $150
- Apply now>>
AMEX Hilton Honors Credit Card
No annual fee
- Welcome bonus: 70,000 Hilton points + 1 free night certificate (spend $2,000 in six months)
- Rewards: 7x on Hilton hotel purchases, 5x at supermarkets, restaurants, and gas stations, 3x on all other purchases
- Redemption: Redeemable at Hilton properties worldwide
- Annual fee: $0
- Apply now>>
AMEX Platinum (150,000-175,000)
- You can get up to 175,000, but you have to go all the way to the final step of the application yourself to know what welcome offer you get.
- The best approach: meet the spending requirement for the welcome offer. Hold it for one year, and at the beginning of the second calendar year, remember to use up the airline credit. In the second year, you can downgrade or close the card. If you want to keep it, I suggest asking for a retention offer.
- The airline incidental credit, FHR, Lululemon, Uber, and Resy credits are all usable credits. In total, the first year has $1,700 in credits. If you are aggressive, you can count another round after crossing into the next calendar year.
Up to $2,600 in annual statement credits; plus a wide range of premium perks!
- Welcome bonus: Up to 175,000 Membership Rewards (spend $12,000 in 6 months)
- Rewards: 5x on airfare and select hotel purchases, 1x on all other purchases
- Redemption: Transfer 1:1 to many airline miles and hotel points programs
- Annual fee: $895（Changes for existing cardholders in 2026）
- Apply now>>
AMEX Gold (up to 100,000)
- You can get up to 100,000, but you have to go all the way to the final step of the application yourself to know what welcome offer you get.
- The welcome offer is very high, and the return on dining and supermarkets is also extremely good.
- If you use up the monthly $10 dining credit and $10 Uber Eats credit, you can almost offset the annual fee.
High rewards on groceries and dining, plus $300+ in annual statement credits
- Welcome bonus: Up to 100,000 Membership Rewards (spend $4,000 in 6 months)
- Rewards: Dining, supermarkets 4x; airfare, amextravel.com 3x; all other purchases 1x
- Redemption: Can be redeemed for gift cards, cash, and travel; best value comes from airline mile transfers
- Annual fee: $325
- Apply now>>
Delta Family
- Delta Gold has a waived first-year annual fee and a welcome offer of up to 80,000+$250. I recommend this card for most people; it gives you flexibility whether you want to keep going or step back later.
- Unfortunately, this 80,000 is the highest version, and you may only see 60,000. You can see the exact amount at the final step of the application. If you really see 80,000, just go for it.
First two checked bags free; Delta flight perks, plus $100 hotel reimbursement each year
- Welcome bonus: As High As 80,000 miles + $250 (six-month spend $3,000)
- Rewards: Delta purchases, supermarkets, restaurants 2x; everything else 1x
- Redemption: Redeem for Delta flights and SkyTeam partner award tickets; 15% off redemptions
- Annual fee: $150（Annual fee waived for the first year）
- Apply now>>
- If you have higher goals and fly Delta fairly often, you can consider this Platinum card. Note that if you have not received the Gold bonus before, I recommend getting Gold first, because once you have received Platinum, you can no longer get the Gold bonus.
- Unfortunately, this 90,000 is the highest version, and you may only see 70,000. You can see the exact amount at the final step of the application. If you really see 90,000, just go for it.
First two checked bags free; $390 in annual reimbursement + a companion ticket, solid Delta perks
- Welcome bonus: 90,000 miles + $300 (spend $4,000 in six months)
- Rewards: Delta purchases, hotel purchases 3x, restaurants and supermarkets 2x, everything else 1x
- Redemption: Can be redeemed for Delta flights and SkyTeam partner flight tickets; redemptions get 15% off
- Annual fee: $350（Some legacy cardholders: $250）
- Apply now>>
- If you need Delta elite status and access to Delta’s own airline lounges, you can consider this card. It is best only for people who fly very frequently. It is not suitable for the average person to apply for.
- Also, the two round-trip tickets this time may look very valuable, but they come with many restrictions. Unless you truly often fly long-haul within the U.S. yourself and can use them, it is only okay.
First two checked bags free; annual companion ticket + $610 reimbursement, with generous premium Delta perks
- Welcome bonus: 50,000 miles + 2 free round-trip U.S. domestic tickets (6-month spend $10,000)
- Rewards: 3x on Delta purchases, 1x on everything else
- Redemption: Can be redeemed for Delta flights and SkyTeam partner airline tickets; redemptions get 15% off
- Annual fee: $650（Some legacy cardholders pay $550）
- Apply now>>
You can read our comparison article and choose the Delta card that fits you best:
Citi AA Executive (125,000)
- The welcome offer is good, but the annual fee is very high and there are not many credits.
- Only suitable for people who fly AA a lot.
Citi AAdvantage Executive Credit Card
Complimentary Admirals Club access, plus up to $480 in annual statement credits; premium AA credit card
- Welcome bonus: 125,000 AA miles (spend $15,000 in five months)
- Rewards: 4x on AA purchases; after $150k in annual spending, it becomes 5x; 1x on all other purchases
- Redemption: Best value for award travel between the U.S. and China and between the U.S. and Europe; business-class redemptions offer good value.
- Annual fee: $695
- Apply now>>
Chase Aeroplan (up to 115,000)
- An all-time-high 115,000 welcome offer: spend $4,000 in the first three months to earn 75,000 points, then spend a total of $20,000 within 12 months of account opening to earn another 40,000 points.
- The miles have good value, and PYB can be used for cashing out.
Chase Aeroplan Air Canada Co-Branded Credit Card
Complimentary Air Canada elite status just for holding the card, helping you reach higher tiers faster! $100 Air Canada credit each year
- Welcome bonus: 75,000 miles (spend $4,000 in 3 months) + 40,000 miles (spend $20,000 total in 12 months)
- Rewards: 3x on Air Canada website purchases and travel; 2x on gas, restaurants, and supermarkets; 1x on all other purchases
- Redemption: Redeem for international and domestic flights on Air Canada and Star Alliance member airlines; cardholders get discounted redemptions
- Annual fee: $195（Some existing cardholders pay $95）
- Apply now>>
Chase IHG Premier (190k)
- This card can also be kept long term. It gives one free night certificate every year and various credits, basically offsetting the annual fee.
Annual 50k free night certificate + $250 dining and airfare credits!
- Welcome bonus: 180,000 IHG points (spend $3,000 in 3 months) + 10,000 points (add an authorized user within 3 months)
- Rewards: 10x on IHG purchases; 5x on travel, gas, and dining; 3x on all other purchases
- Redemption: Redeem at IHG hotels, worth 0.6 cpp
- Annual fee: $150
- Apply now>>
Chase IHG Premier Select (210k)
- This is a new card. If you can use the credits, it is still very easy to offset the annual fee.
Annual 60k free night certificate, Platinum status, $550 in various credits; card spending makes it easier to pursue higher elite status!
- Welcome bonus: 200,000 IHG points (spend $5000 in 3 months) + 10,000 (add an authorized user card in 3 months)
- Rewards: 12x on IHG purchases; 6x on dining and travel;
- Redemption: Redeem at IHG hotels, point value 0.5¢/pt
- Annual fee: $350
- Apply now>>
HSBC Premier Family
- The application requirement is fairly special: you must first hold a U.S. HSBC Premier Checking account before you can apply for these two credit cards.
A great card for frequent travelers, with $660 in various annual credits!
- Rewards: 5x on qualifying travel purchases; 2x at restaurants and on other travel; 1x on other purchases
- Redemption: Redeem through HSBC Travel at 1.2¢/point; can also transfer to airline miles and hotel points
- Annual fee: $495
- Apply now>>
HSBC Premier World Mastercard Credit Card
A credit card suitable for everyday life and travel, with a small statement credit that can offset the annual fee
- Welcome bonus: 60,000 points after spending $4,000 in the first 3 months from account opening
- Rewards: Supermarkets and gas 3x; travel 2x; all other purchases 1x
- Redemption: Can redeem for travel at 1.25¢/point; can also transfer to airline miles and hotel points
- Annual fee: $95
- Apply now>>
This Month’s Limited-Time Welcome Offers
- Limited-time: excellent offers that are new this month or will expire soon.
- My suggestion is that these are highly worth applying for. You could say that as long as you have even a little need for them, you definitely will not regret applying.
Capital One Venture Rewards (75,000+$300 Hotel Credit)
- The $300 hotel credit can be earned by booking through Capital One Travel.
- Preapprove first, and you can see the welcome offer. If you are not approved, it will not affect your credit score.
Capital One Venture Credit Card
2x miles on all purchases!
- Welcome bonus: 75,000 Capital One points + $300 hotel reimbursement (spend $4,000 in 3 months)
- Rewards: 2x on all purchases
- Redemption: 100 miles = $1 toward travel purchases; 1:1 transfer to airline miles
- Annual fee: $95
- Apply now>>
Citi AA Platinum (80,000)
- A long-standing airline card. The first-year bonus is high and the annual fee is waived, so you can hold it for a year without pressure.
- In the second year, you can downgrade to a no-annual-fee AA card or close it.
Citi AA Platinum American Airlines Credit Card
No annual fee for the first year!
- Welcome bonus: 80,000 AA miles (spend $3,500 in the first 4 months)
- Rewards: 2X on AA website ticket purchases; 2x at restaurants and gas stations; 1x on all other purchases
- Redemption: Best value when redeeming for flights between China and the U.S. or between the U.S. and Europe; business-class redemptions can also offer solid value.
- Annual fee: $99（No annual fee for the first year）
- Apply now>>
Chase Sapphire Preferred (75,000)
- A classic mid-tier credit card. After holding it, UR can be transferred to airline and hotel partners.
- 7 Tips to Help You Get the Chase Sapphire Preferred Welcome Offer!
Chase Sapphire Preferred Credit Card
A very good travel credit card; includes a $100 annual hotel discount and free rental car insurance!
- Welcome bonus: 75,000 points (spend $5,000 in three months)
- Rewards: 5x on select travel; 3x on dining, streaming, gas and EV charging, ride sharing and shared lodging; 2x on other travel; 1X on everything else
- Redemption: Can be redeemed directly for cash; can transfer 1:1 to airline and hotel points; can be used at 1:1.25 toward travel purchases; worth 1.6 cents per point
- Annual fee: $95
- Apply now>>
Bilt Palladium (50,000+$300)
- If you have a lot of rent or mortgage payments, you can consider applying.
- The points are relatively valuable.
Up to $400 in hotel credits each year, $200 in Bilt Cash, plus complimentary airport lounge access
- Welcome bonus: 50,000 Bilt points (spend $4,000 within three months) + $300 Bilt Cash (when you open the card)
- Rewards: 1x Bilt Points on rent and mortgage payments; 2x Bilt Points + 4% Bilt Cash on all other purchases
- Redemption: Points can be redeemed for miles with multiple airline partners and hotel points
- Annual fee: $495
- Apply now>>
Chase Marriott Bonvoy (3 Free Night Certificates+$100)
- It gives a free night certificate every year, so it can still be kept long term.
- The $100 credit is split into $50 every half year, and you need $250 in airline purchases to get it.
Chase Marriott Bonvoy Boundless Marriott Credit Card
Comes with 1 free night certificate every year; a standout card
- Welcome bonus: 3 Marriott 50,000-point free night certificates (spend $3,000 in the first 3 months) + $100 airline credit
- Rewards: 6x at Marriott hotels; 3x on gas, groceries, and dining; 2x on all other purchases
- Redemption: Can be redeemed at Marriott/Ritz-Carlton properties, or transferred to airline miles at up to a 3:1.25 ratio
- Annual fee: $95
- Apply now>>
Capital One Venture X (75,000)
- Using the 500,000 method makes it very easy to get approved. You can click the details to learn more.
- This card gives a $300 credit and 10,000 points every year, so the holding cost is basically zero. The earlier you get it, the better.
Capital One Venture X Credit Card
A premium card that can more than pay for itself each year
- Welcome bonus: 75,000 Capital One points (spend $4,000 in the first 6 months)
- Rewards: 2x on all purchases, plus 10x/5x through the Capital One Travel portal
- Redemption: 100 points = $1 toward travel purchases; 1:1 transfers to airline miles
- Annual fee: $395
- Apply now>>
Citi Strata Elite (75,000)
- Citi’s new premium card. Its various credits can offset the annual fee.
- In the second year, you can consider downgrading to Premier or keeping it long term.
- Great Value! 10 Reasons to Convince You to Apply for the Citi Strata Elite Credit Card Now!
New premium card with a $300 annual hotel credit, $400 in statement credits, and complimentary airport lounge membership
- Welcome bonus: 75,000 Thank You Points (3-month spend $6,000)
- Rewards: 12x on hotels, car rentals, and attractions booked through Citi Travel; 6x on airfare; 6x at restaurants and on delivery on Friday and Saturday evenings; 3x on dining at other times; 1.5x on all other purchases
- Redemption: Points can be transferred 1:1 to airline and hotel partners, or redeemed for cash back
- Annual fee: $595（Discount available for Citi Gold and Private clients）
- Apply now>>
Chase United Airline (80,000+First-Year Annual Fee Waived)
- A long-standing airline miles card. The first-year annual fee is waived, so you can hold it without pressure.
Chase United Explorer Credit Card
Annual Club Passes; free checked bags; plus plenty of statement credits!
- Welcome bonus: 70,000 UA miles (spend $3,000 in the first 3 months) + 10,000 (add an authorized user within 3 months)
- Rewards: 5x on hotels booked through UA channels; 2x on airfare booked on the UA website, dining, and hotel purchases; 1x on all other purchases
- Redemption: Redeemable for domestic and international flights on UA and Star Alliance members, valued at 1.6 cents/point
- Annual fee: $150（Annual fee waived for the first year）
- Apply now>>
Chase United Quest (90,000+500 PQP)
- With the credits included, the value is pretty good. If you need help meeting status-related requirements, this card is worth considering.
Chase United Quest Credit Card
Get $200 in annual flight credits, plus lots of reimbursements and perks~
- Welcome bonus: 80,000 UA miles + 500 PQP (spend $4,000 in 3 months) + 10,000 (add an authorized user within 3 months)
- Rewards: 3X on UA purchases; 2x on dining, streaming, and travel purchases (hotels, car rentals, airlines, cruises, etc.); 1x on all other purchases
- Redemption: Redeemable for domestic and international flights on UA and Star Alliance partners, with a value of 1.6 cent/point
- Annual fee: $350
- Apply now>>
Chase British Airways (90,000)
- If you like BA miles, this is worth considering. The miles can be pretty useful for short-haul U.S. flights or nonstop flights.
Chase British Airways Credit Card
Up to $600 per year in award ticket taxes and fees reimbursement!
- Welcome bonus: 90,000 BA miles (spend $5,000 in 3 months)
- Rewards: 3x on flights with Iberia, British Airways, and Aer Lingus (5x in the first year); 2x on hotel bookings made directly with the hotel (3x in the first year); 1x on all other purchases
- Redemption: Redeem for British Airways award tickets or award tickets with oneworld partner airlines
- Annual fee: $95
- Apply now>>
This Month’s Regular Welcome Offers
- Regular offers: these are the offers that the cards tend to keep over the long term. When an offer is elevated, it will be moved to the limited-time or all-time-high sections. Note that “regular” here means compared with the card’s own offer history; compared with other cards not listed here, some of these offers are already very good.
- If you cannot apply for any of the cards above and you do have upcoming spending needs, you can choose from this category.
Chase Sapphire Reserve (100,000)
- After the refresh, the benefits and annual fee changed significantly, and the welcome offer is also very generous!
- After subtracting the annual fee, the welcome offer is worth about $500; the travel credit is very easy to use, so add another $300.
Chase Sapphire Reserve Credit Card
Premium perks included! Up to $2,300 in annual statement credits!
- Welcome bonus: 100,000 points (spend $6,000 in the first 3 months)
- Rewards: 8x on flights, hotels, car rentals, and activities booked through Chase Travel; 4x on flights and hotels booked directly; 1x on other purchases
- Redemption: Can be redeemed for cash back; can be transferred 1:1 to airline and hotel partners; up to 1:2 redemption for premium hotels and flights; value 1.6 cents/point
- Annual fee: $795
- Apply now>>
AMEX Marriott Bonvoy Brilliant (100,000)
- The annual 85,000-point free night certificate is quite good and can be worth $300-$1,000.
- The $300 dining credit can also offset part of the annual fee.
AMEX Marriott Bonvoy Brilliant Credit Card
Complimentary Marriott Platinum Elite status; annual 85k free night certificate and up to $300 in dining statement credits each year
- Welcome bonus: 100,000 Marriott points (spend $6,000 in six months)
- Rewards: 6x at SPG/Marriott/Ritz-Carlton hotels, 3x on airfare and dining, 2x on everything else
- Redemption: Redeemable at SPG/Marriott/Ritz-Carlton properties, or transfer to airline miles at up to a 3:1.25 ratio
- Annual fee: $650
- Apply now>>
BofA Atmos Rewards Summit (80,000+25,000 companion ticket)
- A very high welcome offer, plus a 25,000 companion discount certificate and flight discount certificate.
BofA Atmos Rewards Summit Credit Card
Annual 25k-mile discount certificate; extensive airline benefits
- Welcome bonus: 70,000 miles + 25,000 Global Companion Ticket (spend $4,000 within 90 days)
- Rewards: 3x on purchases outside the U.S. and dining; 1x on all other purchases
- Redemption: Redeem for Alaska or partner award tickets
- Annual fee: $395
- Apply now>>
Co-branded Platinum (80,000)
- Best approach: meet the spending requirement for the welcome offer. Keep the card for one year, and at the beginning of the second calendar year, remember to use up the airline credit. In the second year, you can either downgrade or close the card. If you want to keep it, consider asking for a retention offer.
Up to $2,600 in annual credits, plus a large set of premium perks!
- Welcome bonus: 80,000 Membership Rewards (spend $12,000 in six months)
- Rewards: 5x on flights and select hotel purchases; 1X on all other purchases
- Redemption: Points can be transferred to a Schwab brokerage account at 1:1.1 for cash redemption; also transferable at 1:1 to many airline miles and hotel points programs
- Annual fee: $895（Changes for existing cardholders in 2026）
- Apply now>>
AMEX Platinum (Morgan Stanley) Card
Up to $2,600 in annual credits; plus a long list of premium benefits!
- Welcome bonus: 80,000 Membership Rewards (spend $12,000 in 6 months)
- Rewards: 5x on airfare and select hotel purchases, 1X on all other purchases
- Redemption: Points can be transferred into a Morgan Stanley brokerage account and redeemed for cash at a value of 1 cent per point (100 points = $1); points can also be transferred 1:1 to many airline miles and hotel loyalty programs
- Annual fee: $895（Existing cardholders change in 2026）
- Apply now>>
BofA Atmos Rewards Ascent (70,000+companion ticket)
- The miles are relatively valuable, and you can also get a companion ticket.
BofA Atmos Rewards Ascent Credit Card
One companion fare each year; free checked bags; one free museum day every month!
- Welcome bonus: 70,000 Alaska miles + 1 companion ticket (spend $2,500 within 90 days)
- Rewards: 3x on Alaska Airlines and Hawaiian Airlines purchases; 2x on gas, EV charging, streaming, and public transit; 1x on all other purchases
- Redemption: Redeemable for award flights on the airline and its partner airlines
- Annual fee: $95
- Apply now>>
Bank of America Premium Rewards ($600)
- You can use the credit to buy AA gift cards, which effectively makes the annual fee negative, so this card can be worth keeping long term.
- After subtracting the annual fee, the welcome offer is worth about $500; the airline credit is very easy to use, so add another $100.
BofA Premium Rewards Credit Card
Annual $100 airline incidental fee credit; 2x on dining and travel
- Welcome bonus: $600 cash back (spend $4,000 in three months)
- Rewards: 2% on travel and dining; 1.5% on all other purchases; BofA premium account holders can earn up to 1.75x points
- Redemption: 1:1 direct cash redemption
- Annual fee: $95
- Apply now>>
Bank of America Premium Rewards Elite (75,000)
- There is a $300 airline incidental credit; rideshare, streaming, food delivery, and similar purchases can get up to $100 in credits, which are fairly easy to use.
BofA Premium Rewards Elite Credit Card
$450 in annual statement credits
- Welcome bonus: 75,000 points (spend $5,000 in three months)
- Rewards: 2x on travel and dining; 1.5x on all other purchases; BOA premium banking customers can earn up to 1.75x points
- Redemption: 1:1 cash back redemption; 20% discount on airfare redemptions
- Annual fee: $550
- Apply now>>
Citi Strata Premier (60,000)
- After the refresh, it added EV charging benefits, trip delay coverage, and more, with added value but no price increase.
- A new one-card setup: 3x covers many everyday and travel categories. It added an annual $100 hotel discount when booking through the travel center, and TYP points can also be redeemed directly for cash at 1:1.
- After subtracting the first-year annual fee, the welcome offer is worth about $700. If you can use the hotel discount, add another $100.
Citi Strata Premier Credit Card
One of the best all-around credit cards for both everyday spending and travel. Plus, get a $100 annual hotel benefit.
- Welcome bonus: 60,000 ThankYou Points (Spend $4,000 in three months)
- Rewards: 10x on hotels, car rentals, and attractions booked through Citi Travel; 3x at supermarkets, restaurants, gas stations, on airfare, hotels, and EV charging; 1x on all other purchases
- Redemption: Points can be transferred 1:1 to airline and hotel loyalty programs, or redeemed for cash back
- Annual fee: $95
- Apply now>>
Wells Fargo Autograph Journey (60,000)
- A newly launched card with pretty good value; points can transfer to airlines and hotels.
- Valuing the points at 1.2c/p, the welcome offer value is about $750+.
Great for travel spending, plus a $50 annual credit
- Welcome bonus: 60,000 points (spend $4,000 in three months)
- Rewards: Hotels 5x; airfare 4x; restaurants, takeout, and other travel 3x; all other purchases 1x
- Redemption: Cash back; can also be redeemed for airline miles or hotel points
- Annual fee: $95
- Apply now>>
Chase Hyatt (up to 60,000)
- The spending requirement is a bit high.
Chase World of Hyatt Credit Card
Free night award every year; 4x at Hyatt hotels!
- Welcome bonus: 30,000 Hyatt points (spend $3,000 in 3 months) + 2x additional points (6-month spending period, up to $15,000 in purchases)
- Rewards: 4x at Hyatt hotels; 2x on airfare, car rentals, dining, transit, and fitness clubs; 1x on all other purchases
- Redemption: Redeem for stays at Hyatt hotels, valued at 1.6 cents/point
- Annual fee: $95
- Apply now>>
Citi AA Globe (60,000)
- Apply purely for the welcome offer; the credits are not very good.
- In the second year, you can downgrade to a no-annual-fee AA card or close it.
$750 in various statement credits, extensive AA flight benefits, and an annual companion ticket
- Welcome bonus: 60,000 AA miles (spend $4,000 in 3 months)
- Rewards: AA Hotel 6x; purchases on the AA website 3x; dining and food delivery 2x; rideshare and public transit 2x; all other purchases 1x
- Redemption: Redeem for AA, Oneworld, and partner-airline award tickets, with an estimated value of about 1.5 cpp
- Annual fee: $350
- Apply now>>
About Welcome Offers
In the United States, many credit cards offer generous welcome bonuses. For example, 100,000 airline miles, 60,000 points, or 50,000 hotel points can each be worth more than $1,000. A welcome offer can be worth far more than several years of earnings from holding a 5% cash back credit card. Beyond welcome offers, many credit cards also come with credits and reimbursements; if you can use them, the value can be very impressive. Earning more than $1,000 from opening a single card is not a fantasy, so this post summarizes recent high-value welcome offers as a reference when you apply.
We have also added labels so you can quickly see which cards should be prioritized.
*This ranking only considers holding the credit card for one year; credit value is considered as appropriate.
**Current welcome offers are based on the ranking update date and are kept as up to date as possible. Some cards require special methods to open the application page before the welcome offer can be seen. You can open them according to the credit card guide.
***All point values are based on: Points and Miles Valuation Estimates, and are converted to cash value for comparison.
****This ranking ignores the opportunity cost generated by the spending requirement for the welcome offer.
*****Formula: value $XXX = welcome offer * point value + credit amount * discounted value - annual fee
Welcome Offer Master List
The accounts below all have very solid sign-up bonuses. Pick the ones you like and earn some extra cash. Over time, those small amounts add up, and in a year you can earn a good amount of money and travel funds from these financial accounts.
- US Credit Card 101 Exclusive Offers: Apply through our site to get higher bonuses and benefits
- U.S. Credit Card Sign-Up Bonus Rankings (Personal Cards):
- Bank Account Sign-Up Bonus Rankings (Personal Accounts) [Updated Monthly]
- High-Interest Account Sign-Up Bonus Rankings [Updated Monthly]
- High-Yield Cash Account Rankings: Where Should You Keep Idle Cash Long-Term? Up to 6% APY
- Investment and Stock Platform Sign-Up Bonus Rankings [Updated Monthly]
- U.S. Business Credit Card Rankings [Updated Monthly]
- Bank Account Sign-Up Bonus Rankings (Business Accounts)
