3 Rare Offers You Don't Want to Miss

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With huge increased offers from Chase, Amex, and Citi on the most valuable and popular cards in their portfolios, this may be the best time in years to pick up a new credit card. For some cards, increased offers have become quite common—but the cards we’re highlighting in this post are another story.

These are the flagship cards from Chase, Citi, and Amex—and the flexible points they earn are far more valuable than any airline or hotel rewards. More importantly, increased offers on these cards have been extremely rare, so now is a great time to give them a closer look.

Best All-Around Offer

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Our #1 recommended beginners rewards card featuring an 100,000-point signup bonus after you spend $4,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
  • 5X points on Lyft rides through March 2022
  • 2X points on travel and dining at restaurants worldwide
  • 1X point per dollar spent on all other purchases

What Makes this Offer Special?

The 100,000 point offer on the Sapphire Preferred is a record-high bonus for this card, and there is a good chance it will stay that way. This card hit the market back in 2009, and for over a decade, it never offered more than 60,000 points for new cardmembers. Then, in late 2020 and early 2021, we saw brief offers for 80,000 points.

It's possible we'll see another 100,000-point offer at some point in the future, but we certainly wouldn't bet on it. When Chase launched its Chase Sapphire Reserve® card with a 100K bonus in 2016, many assumed it would be back. But sadly, that turned out to be a one-time opportunity.

We think this offer may turn out the same way. If you don't already have the Sapphire Preferred, this is definitely the time to act.

Why Get this Card?

The Sapphire Preferred is the gold standard for travel and purchase protection benefits. With a modest annual fee of just $95, you can afford to hang on to this card long term, knowing that it will pay for itself year after year. Cardholders can redeem points for a fixed value of 1.25¢ per point via the Chase Travel Portal, plus the Sapphire Preferred is the most affordable card that lets you transfer Ultimate Rewards points to airline and hotel partners.

How Long Will It Last?

We don’t have any official information about when this 100K offer will end. Since increased offers for this card are rare, we don’t have much historical data to work with. The two 80,000 point offers lasted 55 and 73 days respectively. The current 100,000-point offer—which launched on June 4th—had been active for 48 days at the time this post was published.

Chase doesn’t always provide notice before an offer ends, so there is a chance this bonus could disappear any day now. If we do receive more details, we’ll share them right away. But if you don’t want to risk missing out, we’d recommend applying today.

Best Alternative to Sapphire Preferred

Citi Premier® Card
Citi Premier® Card
Annual Fee$95
Welcome Offer Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
The Citi Premier card offers some of the top earning rates of any rewards card with an annual fee under $100. This card is best-in-class for rewards on air travel and hotel spending, and it tops our list of the best cards for gas & fuel purchases with a generous 3X ThankYou® Points.
  • 80,000 point signup bonus worth $800 towards airfare through the ThankYou Travel Center, or potentially much more when transferred to airline partners
  • 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
  • Annual Hotel Benefit: Save $100 off a single hotel stay of $500 or more (excluding taxes and fees) when you book through ThankYou.com
  • No foreign transaction fees
  • $95 annual fee
  • 3X points per $1 spent on airfare, hotels, and at gas stations
  • 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
  • 3X points per $1 spent at supermarkets
  • 1X points per $1 spent on all other purchases

What Makes this Offer Special?

The Citi Premier is offering a best-ever bonus of 80,000 points. This is an excellent opportunity considering that this card has consistently offered 50K or 60K bonus points for the past 4+ years.  Citi has been more conservative than Chase or Amex with welcome bonuses, so this is a rare chance to score a considerable number of ThankYou points from a single offer.

This bonus also comes just in time to take advantage of a temporary option to transfer ThankYou points to American Airlines.

Why Get this Card?

In addition to the stellar offer, the Citi Premier is one of the best flexible rewards cards for everyday spending. The card features top bonus categories, including 3x ThankYou points on hotels, air travel, groceries, and at gas stations and restaurants, plus you get a $100 hotel credit each year, valid on a single stay of $500+ when booked through the ThankYou travel portal. The Citi Premier is also a great alternative if you are locked out of the Chase ecosystem due to application restrictions, or you already hold a Sapphire card and don't qualify for the 100K bonus.

How Long Will It Last?

Like the Sapphire Preferred, there is very little historical data to go off for the Citi Premier. The previous 60K offer ran for almost 260 days. Prior to that, the card offered 50,000 points for as long as I can remember. With other cards, Citi has typically run increased offers for 50 to 70 days. This offer launched on July 8, so it could last until late August or early September, but there is no guarantee. With so much interest in the record 80K bonus, we wouldn't recommend waiting too long.

Best Premium Card Offer

The Platinum Card® from American Express
The Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms apply)
The Platinum Card® from American Express
Annual Fee$695
Welcome Bonus Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • Rates & Fees
  • Earn 5X points for flights booked directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year).
  • Earn 5X points on prepaid hotels booked with American Express Travel.
  • New Cardmembers: Earn 10X points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.

What Makes this Offer Special?

The Amex Platinum has typically offered 60,000 or 75,000 bonus points for new cardmembers. Unlike Chase and Citi, Amex has a history of offering increased bonuses that are only available to specific customers. While we have seen the Amex Platinum‘s offer reach 100K in the past, this is the first chance in quite a while that such a huge offer was made available to the general public.

It's also worth noting that Amex bonuses often require significantly more spending than those offered by other banks.  With a six-figure bonus like this one, it's not uncommon to see a spending requirement of $10,000 or even $20,000 in the first three months. The current offer requires only $6,000 in spending during the first six months—making this an especially good opportunity for households with a modest budget.

Why Get this Card?

The Amex Platinum is the premier travel rewards card for frequent flyers. Cardholders get top-tier perks like access to Delta Sky Clubs, Priority Pass, and Centurion Lounges; complimentary elite status with Marriott and Hilton, and over $1,400 in available statement credits.

American Express recently made big changes to the Amex Platinum, adding new benefits and a handful of statement credits. The annual fee also increased to an eye-watering $695 (Rates & Fees), but you can come out ahead by using even half of the card's benefits.

How Long Will It Last?

This offer launched on July 1st, and we don't have any word from Amex on when it will end. Increased offers have typically run for around 50 to 60 days for other Amex cards, so our best guess would be that this opportunity will disappear sometime in August. As with the other cards, we don't always get a “last call” on Amex offers, so we wouldn't recommend waiting for an official deadline to take action.

Who Can Apply for These Cards?

  • Amex will only let you earn one bonus for each card. You're eligible as long as you haven't earned a welcome bonus for the Amex Platinum in the past.
  • Citi won’t let you earn a bonus if you have opened or closed a card that earns ThankYou points in the previous 24 months. . You can only apply for one Citi card every eight days, and no more than two Citi cards in a 65 day period.
  • Chase won't approve you for a Sapphire card if you currently hold one of the three Sapphire cards, or you've received a bonus on one in the previous 48 months. You also won't be approved if you've opened 5 or more personal credit cards in the previous 24 months.

Final Thoughts

A lot of airline and hotel rewards cards run multiple increased offers every year, so you might assume the offers listed above will return in a few months. With so many folks excited to reschedule travel that was disrupted by the pandemic, it's possible that we'll continue to see great offers for cards that have rarely offered anything above the standard bonus. But this may also be a narrow window of opportunity for these particular cards.

The one thing we can say for sure is that the big banks are making a huge investment to acquire new customers. And if you take them up on one of these offers, there's a good chance you'll catch an all-time-high bonus that won't be repeated anytime soon.

For rates and fees of the cards mentioned in this post, please visit the following links: The Platinum Card® from American Express (Rates & Fees)

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  • I’ve been thinking about adding the CSP to my portfolio for awhile now. It would make the most sense since I already hold the Freedom and can get greater value by transferring my Freedom points to the CSP. I just don’t know if I want another credit card since I have the Cap One Venture and IHG Traveler in addition to the Freedom.

    I’m a bit hesitant to add another card mainly because I’m afraid I may be spreading my rewards too thin between too many cards. Would it be possible for a group of admins to write a post detailing how they decide which card to use, how often, when, and how they prevent having points/miles from being spread too thin to be meaningful? I would find a guide like that to be very beneficial and enlightening so I can plan my own strategy.

    • Hi Lauren, thanks for the idea for a post topic. I think that would be a useful guide. I think it’s worth noting that in your position, the issue of spreading points too thin shouldn’t be a factor. The CSP just enhances the value (and gives you transfer partners) for the points you already earn with the Freedom card. That said, I do understand wanting to limit financial complexity.

      Overall, i think the best way to make sure your points aren’t too spread out is to assign one or two possible uses to each type of points, check the prices of the award, and organize your spending strategy around reaching that balance.

  • I prefer Citi among these 3 offers

  • The Chase Sapphire is regarded as one of the better credit card deals.

  • Thanks for the reminder, I still need to pick up that CSP!

  • 25%+ rebate on 4k in purchases? May have to bite the bullet and apply for this one.

  • Arguably the better offer on the Amex Platinum was the previous one which ran from Nov 2020 – June 2021 for 100,000 or 125,000 MR points + 10x on gas and groceries. That had more accessible bonus categories (the vast majority of Americans buy gas and groceries), a $550 annual fee, and a lower spending requirement of $5,000 in 6 months. The current offer is significantly weaker, and I’m glad I snagged the card when the huge offer first came out in November.

  • I just finished my Platinum offer so I could possibly consider the CSP now.

  • I might finally dive in to the Citi TY points because of the bonus. Interesting to understand how Citi is so particular with bonuses. I already have the other two cards so this is the perfect time to start with the third main type of flexible points.

  • Good information. Chase Preferred is very useful!

  • My Global Entry is up soon, so I might consider the ones who cover that fee. I just don’t know if I can hit the spending requirements.

  • Chase Sapphire Preferred is a no brainer.

  • I am still a fan of Chase Sapphire card, got preferred one this time.