Best credit card signup bonuses of November 2019
Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.
The credit card bonus offer. It’s flashy, exciting, enticing… and fleeting.
That’s right, credit card bonuses can and do rise and fall, which means that applying for a new card at the right time could mean a substantially higher bonus for you. Likewise, missing the window of a limited time offer could mean your bonus opportunity is half of what it could be. This is why we are bringing you the best credit card offers from our partners, so you never miss a beat.
The best credit card bonus offers often come and go with the seasons. That means that whatever consumers might be doing or buying in a particular season, that’s what credit card issuers are marketing at that time. For instance, following the shopping-heavy holiday season, many credit card issuers launch special balance transfer offers in late December or early January to try and attract new customers eager for some extra time to pay off holiday debt without paying interest.
These aren’t officially "limited time offers," so there’s no rapidly approaching expiration date. Especially in these cases, waiting to apply could prove disastrous as the offers could end or change at any time and hesitating to apply could cost you big bonus rewards. Here are a couple of examples in this vein:
- Chase Sapphire Preferred® Card – 60,000 Chase Ultimate Rewards® points*
- Capital One® Venture® Rewards Credit Card – 50,000 miles and 10 miles per $1 spent at Hotels.com/Venture*
- Chase Sapphire Reserve® – 50,000 Chase Ultimate Rewards® points*
- Citi Premier℠ Card – 60,000 ThankYou® points*
- Hilton Honors American Express Surpass® Card – 125,000 bonus points* Terms apply
- Capital One® Savor® Cash Rewards Credit Card – $300 cash back*
- Bank of America® Premium Rewards® Visa® credit card – 50,000 points*
(American Express is a CardRatings advertiser.)
Small business owners can get in on the bonus offer situation as well; here are a couple of notable bonus offers on small business cards right now:
- The Hilton Honors American Express Business Card – 125,000 bonus points* Terms apply
- Marriott Bonvoy Business™ American Express® Card – 75,000 bonus points* Terms apply
- Ink Business Preferred℠ Credit Card – 80,000 Chase Ultimate Rewards® points*
- Southwest Rapid Rewards® Premier Business Credit Card – 60,000 bonus points*
- CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® – 70,000 AAdvantage® miles*
*Terms apply. Click the card names for details.
Spontaneous credit card applications aren’t usually the best idea, but if you see something you like and you’re in a solid financial position – that means your credit score and spending habits can support adding a card to your wallet – then jumping on one of these limited time or higher-than-typical offers could seriously benefit you.
Here are some of the excellent bonuses and higher-than-typical offers on the market right now.
BEST CREDIT CARD SIGNUP BONUSES/WELCOME OFFERS FOR CONSUMERS
Why We Like It: In case you haven't noticed by now, let us be blunt: Flexibility when it comes to your rewards does matter and being able to earn rewards quickly and easily is pretty important, too. This card checks both those boxes.
The Welcome Offer: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first three months of card membership.
Annual Fee: $0 intro for first year; $95 after that
Rewards Rate: It doesn't get any simpler than this: Earn two miles per $1 spent on all your purchases with no caps or categories to worry about.
Why We Like It: A luxury card that functions on one of the most popular rewards platforms out there? Sure, we're intrigued. Add in a solid signup bonus worth up to $750 in travel and we're giving this card more than a second look.
The Welcome Offer: Earn 50,000 Chase Ultimate Rewards® points after you spend $4,000 on your new card in the first three months. That amount of points is worth $750 in travel when redeemed through Chase Ultimate Rewards® or transfer them to a number of hotel or airline loyalty programs for even more value.
Annual Fee: $450
Rewards Rate: Earn three points per $1 spent on travel (after earning your annual $300 travel credit); three points per $1 on dining at restaurants and one point per $1 on everything else. You rewards are worth 50 percent more when redeemed through Chase Ultimate Rewards® for travel. Read our full Chase Sapphire Reserve® review.
Additional Features: This card is designed for the avid traveler who appreciates a few luxury touches. That said, it's not hard to see how just about anyone can offset the annual fee. That's because cardholders are eligible for up to $300 each account anniversary year in statement credit to cover travel costs; that could include airline tickets, hotel stays, baggage fees and more. Max that out and the card's fee effectively drops to just $150. Furthermore, cardholders enjoy complimentary access to airport lounges around the globe and a statement credit of up to $100 every four years to cover your Global Entry or TSA Pre✓® application fees.
Citi Premier℠ Card
(This card is not currently available on CardRatings)
Why We Like It: ThankYou® points can be redeemed for airfare for 25 percent more value through the ThankYou® Travel Center or you can transfer them to a variety of airline partners. Options are nearly always a good thing. Citi is a CardRatings advertiser
The Welcome Offer: Receive 60,000 bonus ThankYou® points after you spend $4,000 in the first three months of account opening. Thanks to the option to redeem for 25 percent more value for airfare through the ThankYou® Travel Center, those points are worth up to $750 in airfare or redeem them for $600 in gift cards.
Annual Fee: $95
Rewards Rate: Earn three points per $1 spent on travel, which includes your gas station purchases; two points per $1 on dining out and entertainment; and one point per $1 on everything else.
Why We Like It: This is a hotel rewards card that offers you bonus points for everyday purchases as well as some complimentary airport lounge access. And then there's that impressive welcome offer... Terms apply
The Welcome Offer: Earn 125,000 bonus points after you spend $2,000 in the first three months. Plus, you'll receive a weekend night stay reward after you spend at least $15,000 on the card in a calendar year, a feature that should more than offset your annual fee. Terms apply.
Annual Fee: $95.
Rewards Rate: Earn 12 points per $1 spent directly with Hilton portfolio hotels and resorts; earn six points per $1 spent at U.S. restaurants, U.S. gas stations and U.S. supermarkets; and earn three points per $1 spent on your other purchases. Terms apply. Read our full Hilton Honors American Express Surpass® Card review.
Why We Like It: So many credit cards these days are targeted toward traveling in general — hotel discounts, airfare discounts, rental car discounts — but what's the one thing everyone has to do every day to survive? Eat! With the Capital One® Savor® Cash Rewards Credit Card, cardholders are rewarded for enjoying a night out on the town with four percent back on restaurant and entertainment purchases. Those dining in are also rewarded with two percent back on grocery purchases.
The Welcome Offer: Earn a one-time cash bonus of $300 after spending $3,000 within the first three months the account is open.
Annual Fee: $0 intro for first year; $95 after that
Rewards Rate: Earn unlimited four percent back on dining and entertainment; two percent at grocery stores; and one percent on all other purchases. Read our full review of the Capital One® Savor® Cash Rewards Credit Card.
Why We Like It: If traveling is your thing, you are sure to appreciate saving up to $100 with an airline incidental statement credit each year, as well as up to $100 in statement credit for your TSA Pre✓® or Global Entry application fee. Plus, you don't have to worry about foreign transaction fees with this card.
The Welcome Offer: Receive 50,000 bonus points after spending $3,000 within the first 90 days of opening an account.
Annual Fee: $95
Rewards Rate: Earn 2 points for every dollar spent on travel and dining purchases, and 1.5 points per dollar spent on all other purchases.
BEST BONUS OFFERS FOR BUSINESS CARDS
Why We Like It: Besides the healthy welcome offer, this card offers solid bonus points on your hotel stays as well as on some common business and travel purchases. Plus, what business traveler wouldn't appreciate 10 complimentary airport lounge visits each year? Terms apply.
The Welcome Offer: Earn 125,000 bonus points after you spend $3,000 in the first three months. Terms apply.
Annual Fee: $95
Rewards Rate: Earn 12 points per $1 spent directly with Hilton portfolio hotels and resorts; earn six points per $1 spent on select business and travel purchases; and earn three points per $1 spent on everything else. Terms apply. Read our full The Hilton Honors American Express Business Card review.
Why We Like It: Who doesn't like a free hotel stay? With this card rceive one Free Night Award every year after your card account anniversary. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees. Terms apply.
The Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first three months. Terms apply.
Annual Fee: $125
Rewards Rate: Earn six points on purchases made at participating Marriott Bonvoy hotels, four points at U.S. restaurants and gas stations, and on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and two points on all other eligible purchases. Terms apply.
Why We Like It: In addition to the generous rewards structure, business owners are sure to appreciate the included cell phone insurance that provides up to $600 per claim in cell phone protection against covered theft or damage for all phones listed on the monthly cell phone bill that's paid with the card.
The Welcome Offer: Earn 80,000 bonus points after you spend $5,000 within three months of opening an account.
Annual Fee: $95
Rewards Rate: Earn three points per dollar on the first $150,000 spent annually in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines. Earn one point per dollar on all other purchases with no limit to the amount you can earn.
Why We Like It: With this card, your bonus points don't end with the welcome bonus - each year after your card member anniversary you'll receive 6,000 bonus points.
The Welcome Offer: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open.
Annual Fee: $99
Rewards Rate: Earn two points per dollar spent on Southwest® and Rapid Rewards® hotel and car rental partner purchases, and one point per dollar spent on everything else.
Why We Like It: This is an airline-branded business card and, given the sweet perks and features, any regular business traveler on American Airlines should take notice.
The Welcome Offer: Earn 70,000 bonus miles after you spend $4,000 on purchases in the first four months of card membership.
Annual Fee: $99, waived for first 12 months
Rewards Rate: Earn two miles per $1 spent on American Airlines purchases as well as one telecommunications purchases, at car rental merchants and at gas stations. You'll earn one mile per $1 on everything else. Read our full CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® review
To see the rates and fees for the American Express cards featured in this post, please visit the following links: Marriott Bonvoy Business™ American Express® Card (See Rates and Fees); Hilton Honors American Express Surpass® Card (See Rates and Fees); The Hilton Honors American Express Business Card (See Rates and Fees);