A credit-card welcome offer pays after you spend a set amount within a set window, usually three months. Judge it by the value of the reward against the spend you would make anyway, never by manufacturing spend you cannot afford.
Points are not dollars. Where a reward is issued in a transferable currency, the page for that card says which travel partners it reaches and what a realistic redemption looks like.
14 offers. Data last reviewed 2026-07-07.
Spend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies.
Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months).
Apply through a Chase refer-a-friend link and spend $6,000 on purchases in the first 3 months. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation.
Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points.
Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.
Spend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.
Spend $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.
Simply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap.
Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250.
Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies.
Spend $500 on purchases within the first 3 months.
Apply through a Bank of America refer-a-friend link, get approved, then spend the qualifying amount on purchases in the first 90 days. Preferred Rewards members earn 25 to 75 percent more on every category.
Spend $2,000 on purchases in the first 6 months. Earns 3% cash back at US supermarkets, US online retail and US gas stations on up to $6,000 per category per year.
Get approved for the Prime Visa (requires an active Amazon Prime membership).
How hard the money works while it sits there, annualized.
Raw bonus size, ignoring how much cash you have to move.
The top-ranked offer in this list, from opening the account to the bonus posting.
| Offer | Bonus | Requirement | Annualized bonus return |
|---|---|---|---|
| American Express (Gold / Platinum) Personal Charge Card | 80,000 to 175,000 Amex Membership Rewards points | Spend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies. | n/a |
| Chase Sapphire Preferred Credit Card | 75,000 Chase Ultimate Rewards points | Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months). | n/a |
| Chase Sapphire Reserve Credit Card | 100,000 Ultimate Rewards points | Apply through a Chase refer-a-friend link and spend $6,000 on purchases in the first 3 months. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation. | n/a |
| Marriott Bonvoy Business American Express Hotel Credit Card | 3 Free Night Awards (up to 50,000 points each) | Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points. | n/a |
| Chase United Explorer Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies. | n/a |
| Delta SkyMiles Gold American Express Airline Credit Card | 40,000 to 75,000 Delta SkyMiles | Spend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation. | n/a |
| Delta SkyMiles Gold Business American Express Business Airline Credit Card | 50,000 to 75,000 Delta SkyMiles | Spend $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation. | n/a |
| Discover it Cash Back Credit Card | Unlimited Cashback Match | Simply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap. | n/a |
| Bank of America Travel Rewards Credit Card | 25,000 online bonus points | Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250. | n/a |
| Chase Freedom Unlimited / Freedom Flex Credit Card | $200 cashback + 5% grocery bonus for year one | Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies. | n/a |
| Capital One Quicksilver Credit Card | $200 cashback bonus | Spend $500 on purchases within the first 3 months. | n/a |
| Bank of America Customized Cash Rewards Credit Card | $200 online cash rewards | Apply through a Bank of America refer-a-friend link, get approved, then spend the qualifying amount on purchases in the first 90 days. Preferred Rewards members earn 25 to 75 percent more on every category. | n/a |
| American Express Blue Cash Everyday Cashback Credit Card | $200 statement credit | Spend $2,000 on purchases in the first 6 months. Earns 3% cash back at US supermarkets, US online retail and US gas stations on up to $6,000 per category per year. | n/a |
| Prime Visa (Amazon) Credit Card | $150 Amazon gift card, credited instantly on approval | Get approved for the Prime Visa (requires an active Amazon Prime membership). | n/a |
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Full breakdown, steps, and charts on each page.
Ranked from the same dataset, filtered a different way.
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.
Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.
