Top Credit Card Offers for October 2025 — 19 Offers Worth Over $1,500! Top Credit Card Offers for October 2025 — 19 Offers Worth Over $1,500!

Top Credit Card Offers for October 2025 — 19 Offers Worth Over $1,500!

AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.

Offers for the Aer Lingus Visa Signature® Card, Iberia Visa Signature® Card and Ink Business Preferred® Credit Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers

Credit card welcome offers come and go. A card offering a large sign-up bonus one month may have a yawn-inducing bonus the next month. That's why the AwardWallet editorial team assembles the best credit card offers available each month.

As you'll see below, not all card offers are created equal. Simply listing 10 top card offers isn't practical. Many of the best card offers have massive spending requirements that not everyone can earn. That's why we've broken down our list into a few different sections.

Here are the best rewards credit card offers available for October 2025.

Our Methodology

The welcome bonus — adjusted for the value of the points or miles based on recent AwardWallet redemption rates — gets the most weight. To round out the list, we consider each card's long-term value, credit card application restrictions, and how much spending is required to capture the full bonus. All the offers highlighted below offer a welcome bonus worth more than $1,500.

As you can see, many (but not all) of these cards charge annual fees. If you're looking for a lower fee, check out our roundup of the best cards with under $100 annual fees. For no-annual-fee cards, check out our roundup of the:

AwardWallet's Top Picks for October 2025

If you're looking for the can't-miss offers, this is the section for you. While these may not have as big of bonuses as the next section, these offers are excellent, limited-time offers that don't require eye-watering spending requirements:

Citi Strata Elite℠ Card
Citi Strata Elite℠ Card
Welcome Bonus For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Annual Fee$595Rates & Fees
  • 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
  • 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
American Express® Gold Card
American Express® Gold Card
Welcome Offer As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee$325Rates & Fees
(Terms apply)
Credit ScoreGood, Excellent
  • 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
  • 1X on other eligible purchases
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Welcome Bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee$0Rates & Fees
Credit ScoreExcellent, Good
  • Earn unlimited 1.5% cash back on every purchase made for your business

Citi Strata Elite℠ Card
Citi Strata Elite℠ Card
Annual Fee$595
Welcome Bonus For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
The Citi Strata Elite℠ Card is Citi's premier rewards card, delivering top-tier travel and dining rewards and standout perks like a $300 annual hotel credit and no foreign transaction fees. From Friday night dinners to weekend getaways, the elevated earnings on hotels, air travel, and CitiNights℠ purchases make this a powerhouse option for frequent travelers looking to maximize every dollar spent.
  • For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
  • Earn 1.5 Points per $1 spent on All Other Purchases
  • Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
  • No Foreign Transaction Fees
  • 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
  • 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.

The newest entrant in the premium travel card market is the Citi Strata Elite℠ Card, and Citi clearly wanted to turn heads with over $700 in easy-to-use annual credits, up to 12x points earnings, and a slew of travel benefits and protections. For a limited time, new cardholders can earn 100,000 bonus points after spending $6,000 in the first 3 months of account opening.. These points are especially valuable now that Citi points can be transferred to American Airlines — which joins as one of 15 Citi airline transfer partners.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Gold Card
Annual Fee$325
Welcome Offer As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express® Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel®. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express® Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
  • 1X on other eligible purchases

Meanwhile, Amex is offering a as high as 100,000 point welcome offer on the Amex Gold after you spend $6,000 on eligible purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer. The Amex Gold has been a longtime favorite here at AwardWallet, as it earns 4X points in useful bonus categories like U.S. supermarket spending (on up to $25,000 per calendar year in purchases, then 1X) and dining (on up to $50,000 per calendar year in purchases, then 1X) — making it one of the best cards for groceries and one of the best cards for dining.

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $900 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
  • Rates & Fees
  • Earn unlimited 1.5% cash back on every purchase made for your business

The Ink Business Unlimited® Credit Card is currently offering new applicants the chance to earn $900 bonus cash back (delivered as 90,000 Ultimate Rewards points) after you spend $6,000 on purchases in the first 3 months from account opening. At a minimum, this offer is worth its face value, but if you also have an Ultimate Rewards card that can transfer points to airline and hotel partners, you can unlock much more than the advertised bonus value.

Better yet, the Ink Unlimited is a stalwart wallet companion, earning unlimited 1.5% cash back on every purchase made for your business. Moreover, cardholders can enjoy several travel and purchase protection benefits, which is a boon for those who prefer card options with $0 annual fees. Learn more about this excellent card in our full Ink Unlimited review.

Best Rewards Credit Card Offers for Big Spenders ($15k+)

Many of the best welcome bonuses are currently reserved for small businesses that can spend massive amounts in a short amount of time. Not everyone can spend $15,000 in just a few months. But, for those that can, here are the card offers exceeding 100,000 points (or $1,500 cash) — but which require spending $15,000 or more:

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Welcome Offer Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Annual Fee$895Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • Earn 5X points on flights and prepaid hotels on AmexTravel.com.
  • Earn 2X points on each eligible purchase of $5,000 or more.
  • Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
  • Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 2X points on each eligible purchase with U.S. shipping providers.
  • 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
Sapphire Reserve for Business℠
Sapphire Reserve for Business℠
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Annual Fee$795Rates & Fees
Credit ScoreExcellent, Good
  • 8X points on all Chase Travel℠ purchases
  • 5X total points on eligible Lyft rides through 9/30/2027
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media platforms and search engines
  • 1 point per dollar on all other eligible purchases
Capital One Venture X Business
Capital One Venture X Business
Welcome Bonus Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
Annual Fee$395
Credit ScoreExcellent
  • 10X miles per $1 on hotels and rental cars booked via Capital One Travel
  • 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
  • 5X miles per $1 on flights booked via Capital One Travel
  • 5X miles per $1 on vacation rentals booked via Capital One Travel
  • 2X miles per $1 on other eligible purchases

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms apply)
The Business Platinum Card® from American Express
Annual Fee$895
Welcome Offer Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The Business Platinum Card® from American Express is a powerhouse for business travelers, offering cardholders up to $1,150 in yearly Dell Technologies credits, up to $360 with Indeed, $250 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $209 CLEAR® Plus credit, Marriott Bonvoy™ and Hilton Honors™ Gold Statuses, exclusive Fine Hotels + Resorts® benefits, and a TSA PreCheck® or Global Entry fee credit. Enrollment required for select American Express benefits.
  • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
  • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • $895 Annual Fee.
  • Terms Apply.
  • Rates & Fees
  • Earn 5X points on flights and prepaid hotels on AmexTravel.com.
  • Earn 2X points on each eligible purchase of $5,000 or more.
  • Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
  • Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 2X points on each eligible purchase with U.S. shipping providers.
  • 2X earning rates are subject to a cap of $2 million in purchases per calendar year.

Amex recently boosted the welcome offer on the Business Platinum Card to match the highest offer available from any issuer. With Amex's top-tier transfer partners, this bonus has the potential to fly you almost anywhere in the world in the pointy end of the plane. The $895 annual fee is steep (Rates & Fees), but the card offers a slew of perks that can more than offset the fee. See our Business Platinum Card review for more details.

Sapphire Reserve for Business℠
Sapphire Reserve for Business℠
Annual Fee$795
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Chase’s flagship business travel card. Earn 8x on Chase Travel℠ purchases, 4x on flights and hotels booked directly, and 3x on eligible ad spend. Get $300 in travel credit, VIP lounge access, and premium travel protections to elevate every business trip.
  • Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
  • Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
  • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
  • Member FDIC
  • Rates & Fees
  • 8X points on all Chase Travel℠ purchases
  • 5X total points on eligible Lyft rides through 9/30/2027
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media platforms and search engines
  • 1 point per dollar on all other eligible purchases

In June, Chase launched the brand-new Sapphire Reserve for Business℠ (Rates & Fees). To celebrate the launch, Chase is offering an incredible 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening. That's a hefty spending requirement, but the reward is excellent. In recent AwardWallet user redemptions, travelers have redeemed Chase Ultimate Rewards points for an average of 1.97¢ per point. That means this 200,000-point bonus is worth nearly $4,000! And that's just the sign-up bonus. The other benefits of this card make it a keeper for small business owners who travel frequently.

Capital One Venture X Business
Capital One Venture X Business
Annual Fee$395
Welcome Bonus Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
The Capital One Venture X Business is a premium business card earning 2X miles on every purchase, with enhanced earning rates of 5X on flights and 10X on hotels and rental cars booked through Capital One Travel. One of the standout features is the $300 annual travel credit for bookings made via Capital One Travel, accompanied by an annual bonus of 10,000 miles from the first anniversary. Additional benefits include a credit of up to $120 for Global Entry or TSA PreCheck®, access to over 1,300 lounges worldwide, and the ability to transfer miles to over 15 travel loyalty programs.
  • 10X miles per $1 on hotels and rental cars booked via Capital One Travel
  • 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
  • 5X miles per $1 on flights booked via Capital One Travel
  • 5X miles per $1 on vacation rentals booked via Capital One Travel
  • 2X miles per $1 on other eligible purchases

Although it doesn't offer as high of a welcome bonus as Chase or Amex, the Capital One Venture X Business sports an excellent bonus with a much more reasonable annual fee. Small businesses will earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. Plus, you'll earn 2 Miles per dollar on every purchase, meaning you'll net a total of at least 210,000 Capital One miles after meeting the spending requirement.

The card includes lounge access, a $300 travel credit, no preset spending limit, and a great return on everyday spending. More information is in our Venture X Business review.

Capital One Spark Cash Plus
Capital One Spark Cash Plus
Annual Fee$150
Welcome Bonus $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.
  • Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
  • Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
  • Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.

If cash back is more your style, check out the Capital One Spark Cash Plus‘s whopping $2,000 Cash Back bonus. Your small business will need to have some massive spending to earn this bonus as you'll only earn the bonus once you spend $30,000 in the first 3 months. In addition to the large welcome offer, you'll earn 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site. That makes this card a great everyday spending card for your small business.

Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
Annual Fee$299
Welcome Bonus Earn 120,000 points after you spend $10,000 on purchases in the first 3 months from account opening.
The latest card to join the Southwest lineup of rewards cards, the Southwest Performance Business Card offers the highest Rapid Rewards signup bonus, earns more points than its Southwest counterparts, receives a massive 9,000-point anniversary bonus, plus offers plenty of perks and benefits for Southwest fans. One of the best co-brand business cards on the market.
  • Earn 120,000 points after you spend $10,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X pts on Southwest® purchases.
  • Earn 2 points for every $1 you spend at gas stations and restaurants
  • Earn 2X points on hotel accommodations booked directly with the hotel
  • Earn 2X points on local transit and commuting, including rideshare.
  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
  • Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
  • Member FDIC
  • Rates & Fees
  • 4X points per $1 spent on Southwest® purchases
  • 2X points per $1 spent at gas stations and restaurants
  • 2X points per $1 on hotel accommodations booked directly with the hotel
  • 2X points per $1 spent on rideshare
  • 1X point per $1 spent on all other purchases

Now that Southwest Bags Fly Free is a thing of the past, Southwest travelers will need a Southwest co-branded card to get free bags. For small business owners who fly Southwest, the Southwest® Rapid Rewards® Performance Business Credit Card is clutch. Cardholders get a free checked bag and Group 5 boarding (including travel companions), plus a Preferred seat at booking and the ability to upgrade to Extra Legroom within 48 hours of departure on any fare.

Even better, the 120,000-point welcome offer comes at a perfect time to earn the Southwest Companion Pass. In addition to the sign-up bonus, cardholders get a 10k Companion Pass-qualifying point boost each calendar year. Just make sure you time your earnings carefully, as you'll need to earn 135k Companion Pass qualifying points in a calendar year to unlock buy-one-get-one-free travel.

Related: Free Bags, Seats, and More: 3 New Southwest Card Benefits

Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Annual Fee$650
Limited-Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
The Delta SkyMiles® Reserve Business American Express Card is a premium choice for business travelers, particularly those frequently flying with Delta and chasing elite benefits without holding status. The card earns 3X miles on purchases made directly with Delta and 1.5X miles per dollar after spending $150K on the card in a calendar year. Other eligible purchases earn 1X mile. Cardholders enjoy complimentary Delta Sky Club® access, with 15 visits per Medallion® Year (unlimited visits with $75,000 spend each calendar year). Additional benefits include complimentary access to The Centurion® Lounge when flying same day with Delta, Delta Sky Club One-Time Guest Passes, a Domestic Delta First, Delta Comfort, or Delta Main round-trip companion certificate upon renewal, complimentary upgrades even without Medallion Status, Zone 5 Priority Boarding, a free first checked bag, and a fee credit for Global Entry or TSA PreCheck®. Enrollment required for select American Express benefits.
  • Limited Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
  • Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a group of four that's a potential savings of up to $280 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.
  • Rates & Fees
  • 3X miles per dollar spent on purchases made directly with Delta
  • 1.5X miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year
  • 1 mile on every dollar spent on all other eligible purchases.

We highlighted the incredible personal Delta card offers in the top-recommended section above. But small businesses aren't left out! Small business owners can earn up to 125,000 bonus miles. At the top of the list is the Business Delta Reserve. In addition to a massive six-figure welcome bonus, cardmembers get 15 Delta Sky Club® visits each Medallion® Year, a $2,500 MQD Headstart, 1 MQD per $10 in purchases, up to $240 Resy Credit, $10 back each month on rideshare purchases, 15% off Delta award flights, first checked bag free on Delta, Zone 5 Priority Boarding on Delta flights, and so much more. Enrollment is required for select Amex benefits.

If the $650 annual fee (Rates & Fees) is too high, check out the other Delta small business card offers:

Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
Limited-Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee$0 introductory annual fee for the first year, then $150Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 2X miles per dollar spent on eligible purchases made directly with Delta
  • 2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible dining purchases
  • 1X miles per dollar on all other eligible purchases
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Limited-Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee$350Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 3X miles per dollar spent on eligible purchases made directly with Delta
  • 3X miles per dollar spent on eligible purchases with hotels
  • 1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually)
  • 1.5X miles on eligible transit and U.S. shipping purchases*
  • 1X miles per dollar on all other eligible purchases.
*If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Best Rewards Credit Card Offers With Reasonable Spending Requirements

If you can't spend $15,000+ in a few months, consider the following offers. Just remember that each card issuer has its own application rules and restrictions.

American Express Platinum Card®
American Express Platinum Card®
Welcome Offer As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee$895Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 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®.
  • Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Welcome Bonus Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee$795Rates & Fees
Credit ScoreExcellent
  • 8x points on all purchases through Chase Travel℠
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • 1x points on all other purchases
The New United℠ Business Card
The New United℠ Business Card
Welcome Bonus Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee$150Rates & Fees
Credit ScoreGood, Excellent
  • 2x on United® purchases
  • 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
  • 2x at gas stations, restaurants and office supply stores
  • 1x on all other purchases

American Express Platinum Card®
American Express Platinum Card®
Apply Now
Rates & Fees
(Terms apply)
American Express Platinum Card®
Annual Fee$895
Welcome Offer As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Cardholders can access more than 1,550 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $209 in CLEAR® Plus credits, and TSA PreCheck® or Global Entry fee credits. The card also includes a $600 annual hotel credit on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay), Hilton Honors™ and Marriott Bonvoy Gold Elite status, and a suite of benefits with Fine Hotels + Resorts®. Additional perks include $12.95 monthly Walmart+ membership credit (with applicable sales taxes and Plus Ups not include), up to $300 in annual digital entertainment credits, up to $300 Equinox credits, up to $200 annual Uber Cash and $120 Uber One Credit, and up to $100 annual Saks Fifth Avenue credits. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
  • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That's up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 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®.
  • Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.

New Platinum Card® cardholders can easily get over $4,000 in value in the first year of card membership — but that depends on your offer. The card is offering a solid welcome offer of as high as 175,000 points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. And it comes with a slew of statement credits, in addition. But, with a steep $895 annual fee (Rates & Fees), you'll want to know how to maximize this card's offerings before you apply. Here's our full Platinum Card® card review.

Chase Sapphire Reserve®
Chase Sapphire Reserve®
Annual Fee$795
Welcome Bonus Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 125,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
  • Member FDIC
  • Rates & Fees
  • 8x points on all purchases through Chase Travel℠
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • 1x points on all other purchases

Chase recently revamped the Chase Sapphire Reserve® (Rates & Fees). And now Chase is offering a new sign-up bonus of 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. That's an incredibly valuable offer worth nearly $2,500 when you consider AwardWallet users redeem Chase points for an average of 1.97¢ per point.

Plus, you'll get lounge access, a $300 annual travel credit, up to $300 in annual dining credits, hotel elite status, supercharged earning rates on travel and dining, best-in-class insurance benefits, plus statement credits for StubHub, Lyft, DoorDash, Peloton, and more. For those who want an excellent combination of perks and earnings, you can't go wrong with this card. Our fully updated Chase Sapphire Reserve review shares the full details of the revamped card.

The New United℠ Business Card
The New United℠ Business Card
Annual Fee$150
Welcome Bonus Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Cardholders earn 2 miles per $1 spent on United purchases, dining, gas stations, office supply stores, and on local transit and commuting, alongside 1 mile per $1 on all other purchases​​. Key benefits include a free first checked bag on United flights, potentially saving up to $160 per roundtrip​​, a $125 United travel credit after qualifying purchases​​, and two one-time United Club℠ passes each year​​. Additional perks include 25% back on United inflight and Club premium drink purchases​​, priority boarding on United-operated flights​​, and no foreign transaction fees​​. Plus, if you also hold a personal United credit card, you earn a 5,000-mile anniversary bonus​​.
  • Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
  • $150 Annual Fee.
  • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
  • Member FDIC
  • Rates & Fees
  • 2x on United® purchases
  • 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
  • 2x at gas stations, restaurants and office supply stores
  • 1x on all other purchases

United recently changed the sign-up bonus on The New United℠ Business Card (Rates & Fees) to a 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. That's an incredible mileage bonus plus a boost toward United elite status, especially for a card that charges just a $150 annual fee. In addition to the bonus, cardholders get a free checked bag, preferred boarding, two United Club passes per year, Avis President's Club® status, and bonuses like 5,000 bonus miles if you also hold a personal United card. Plus, you can spend on this card to earn PQPs toward United elite status.

Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Apply Now
Rates & Fees
(Terms apply)
Delta SkyMiles® Reserve American Express Card
Annual Fee$650
Limited-Time Offer: Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
The Delta SkyMiles® Reserve American Express Card is the best option if you want elite level benefits without holding the status required. The standout feature is complimentary Delta Sky Club® access with 15 visits per year effective from 2/1/25 (unlimited visits with $75,000 spend), providing a relaxing space before flights. Cardholders can earn 1 MQD per $10 of eligible purchases charged to the Delta Reserve. Additionally, there's a complimentary Domestic Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year upon card renewal. Other benefits include 15% off when booking Award Travel on Delta, a credit for Global Entry or TSA PreCheck® fees, a free first checked bag on Delta flights, access to complimentary upgrades, and 20% back on in-flight purchases. Enrollment required for select American Express benefits.
  • Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Rates & Fees
  • 3X miles per dollar spent on purchases made directly with Delta
  • 1X miles on every eligible dollar spent on purchases.

Amex is offering increased welcome bonuses on Delta cards. Eligible new cardholders can earn up to 125,000 bonus miles on consumer cards. The top offer is on the Delta Reserve. In addition to earning 125,000 bonus miles, cardholders get Delta Sky Club access, a MQD Headstart of $2,500, a MQD Boost of 1 MQD per $10 in purchases, up to $240 in Resy credits, up to $120 in rideshare credits, 15% off Delta awards, and much more. See our Delta Reserve Card review for full details.

If the $650 annual fee (Rates & Fees) is too rich for your taste, check out the other Delta personal card offers:

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
Limited-Time Offer: Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Annual Fee$0 introductory annual fee for the first year, then $150Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 2X miles per dollar spent on purchases made directly with Delta
  • 2X miles per dollar spent at U.S. supermarkets
  • 2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • 1X miles on all other eligible purchases
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum American Express Card
Limited-Time Offer: Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Annual Fee$350Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 3X miles per dollar spent on purchases made directly with Delta
  • 3X miles per dollar at hotels
  • 2X miles per dollar at U.S. supermarkets
  • 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • 1 mile on every eligible dollar spent on purchases.

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • 1X point per $1 on all other purchases

The Ink Business Preferred® Credit Card consistently has the highest welcome offer among cards that earn Chase Ultimate Rewards points. Beyond that incredible bonus, small business owners earn 3X points in categories useful for businesses — like shipping; internet, cable, and phone services; qualifying advertising purchases; and travel. And despite being one of the best credit cards for travel, the card has an affordable annual fee. See our Ink Preferred review for more details.

Related: Why the Chase Ink Preferred is my primary travel card

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Annual Fee$95
Welcome Offer 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn at least 2X miles on every purchase provides a decent return on spending. Plus the card offers some great perks.
  • Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
  • 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • 2X miles on all other purchase
  • Fee credit for Global Entry or TSA Pre✔® (up to $120)
  • No foreign transaction fees
  • $95 annual fee
  • 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
  • 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
  • 2X miles per dollar on all other purchases

One of the best everyday rewards cards to have in your wallet, the Capital One Venture Rewards Credit Card earns 2x miles on every purchase, providing a great return on spending, plus bonus miles on certain travel purchases with Capital One Travel. New card members can earn 75,000 Venture Miles after meeting the minimum spend, and miles can be redeemed for a fixed value against almost any travel expense or transferred to 22 Capital One airline and hotel partners, making this one of the more versatile cards out there. See our Capital One Venture review for more information.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Our #1 recommended beginners rewards card featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
  • Rates & Fees
  • 5X points on Lyft rides through September 2027
  • 5X points on travel purchased through Chase Travel℠
  • 3X points on dining at restaurants worldwide
  • 3X points on eligible streaming services
  • 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 2X points on all other travel
  • 1X point per dollar spent on all other purchases

Our favorite travel reward card for beginners — the Chase Sapphire Preferred® Card (Rates & Fees)— is currently offering a 75,000-point bonus. While this bonus may sound modest, the value and flexibility of Chase Ultimate Rewards points make this an excellent sign-up bonus — especially considering the achievable spending requirement. Check out our full review of this card to see why this card deserves a spot in your wallet.

Trio of Avios-earning cards

Last but not least, Chase is offering three excellent bonuses on its portfolio of Avios-earning cards. Eligible new cardholders can earn up to 100,000 bonus Avios. Some cards require a higher spending requirement, but it can be worth it. Avios are one of the most valuable airline mileage currencies, with a slew of sweet spots across several programs. Here are the current offers:

Aer Lingus Visa Signature® Card
Aer Lingus Visa Signature® Card
Welcome Bonus Earn 100,000 Avios after you spend $7,500 on purchases within the first six months of account opening.
Annual Fee$95
Credit ScoreGood/Excellent
  • 3X Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL
  • 2X Avios per $1 spent on hotel accommodations
  • 1X Avios for every $1 spent on all other purchases
Iberia Visa Signature® Card
Iberia Visa Signature® Card
Welcome Bonus Earn 100,000 Avios after you spend $7,500 on purchases within the first six months of account opening.
Annual Fee$95
Credit ScoreGood/Excellent
  • 3X Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL
  • 2X Avios per $1 spent on hotel accommodations
  • 1X Avios for every $1 spent on all other purchases
British Airways Visa Signature® Card
British Airways Visa Signature® Card
Welcome Bonus Limited-Time Offer: Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Annual Fee$95Rates & Fees
Credit ScoreExcellent, Good
  • 3X Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
  • 2X Avios per $1 spent on hotel accommodations
  • 1X Avios for every $1 spent on all other purchases

Final Thoughts

Welcome offers on rewards credit cards are continually changing, and it can be hard to track the latest sign-up bonuses. We update our top offers every month, so bookmark this page. If you have a card you think belongs on the list, let us know why in the comments below.

For rates and fees of the cards mentioned in this post, please visit the following links: Citi Strata Elite℠ Card (Rates & Fees), American Express® Gold Card (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), The Business Platinum Card® from American Express (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), Delta SkyMiles® Reserve Business American Express Card (Rates & Fees), Delta SkyMiles® Gold Business American Express Card (Rates & Fees), Delta SkyMiles® Platinum Business American Express Card (Rates & Fees), American Express Platinum Card® (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), The New United℠ Business Card (Rates & Fees), Delta SkyMiles® Reserve American Express Card (Rates & Fees), Delta SkyMiles® Gold American Express Card (Rates & Fees), Delta SkyMiles® Platinum American Express Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and British Airways Visa Signature® Card (Rates & Fees)

AwardWallet Tip of The Day
Curious about which of your loyalty program balances have recently changed? AwardWallet shows an indicator (to the left of the account) for accounts that have changed in the last 24 hours. Look for this indicator to easily spot any accounts that have been recently updated.
Show me how

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.