Top Rewards Credit Card Offers for October 2021

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A new month means new credit card offers. So, each month the AwardWallet editorial team assembles the top credit card offers currently available. The welcome bonus—adjusted for how much the points are worth—get's the most weight. To round out the list, we consider each card's long-term value, application restrictions, and take into account how much spending is required to capture the full bonus.

If you're considering applying for a rewards card, now is the time to do it! Here are some of the best rewards card offers available for October 2021.

Best Rewards Credit Card Offers for October 2021

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

Sporting a record-high 80,000-point sign-up bonus and a stellar list of transfer partners, the Citi Premier offers some of the best earning rates for a card with a sub-$100 annual fee. This card tops our list of the best cards for gas & fuel. Plus, you'll pay no foreign transaction fees.

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 and 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • 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 select 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 is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. 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.

The Amex Platinum recently launched an increased welcome offer of 100,000 points after meeting the minimum spending requirement in six months (rather than three). New cardmembers can earn 10X points on eligible purchases 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. That combo makes the current Amex Platinum offer one the best we've ever seen.

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other card purchases with no limit to the amount you can earn

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Annual Fee$0
Welcome Bonus Earn $750 bonus cash back after you spend $7,500 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 $750 cash back bonus after you spend $7,500 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.
  • Earn $750 bonus cash back after you spend $7,500 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.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • 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
  • Earn unlimited 1.5% cash back on every purchase made for your business

We've paired these cards off at the top of the list thanks to the mammoth 75K point offers available on cards that carry no annual fee. The bonus on both cards is promoted as $750 cashback. However, if you also hold an Ultimate Rewards card that charges an annual fee, the bonus converts to 75,000 points which you can transfer to any of Chase Ultimate Rewards transfer partners. You can view the details in our post covering the increased offers.

American Express® Business Gold Card
American Express® Business Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Business Gold Card
Annual Fee$295
Welcome Bonus Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • Rates & Fees
Get 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below:
  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.

Making the list for the first time since it relaunched in 2018, Amex has launched a fantastic new welcome offer on the American Express® Business Gold Card. New cardholders can earn 70,000 points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

While the minimum spend is relatively high compared to its consumer sibling, it's a great offer that we think provides plenty of value to business owners.

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer Earn 100,000 bonus points after you spend $15,000 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 100,000 bonus points after you spend $15,000 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.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • $95 Annual Fee
  • 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

This card is now tied for the biggest Ultimate Rewards sign-up offer currently available. Small business owners earn 3X points in categories useful for small business owners — like shipping; internet, cable and phone services; qualifying advertising purchases; and travel. And the card has an affordable annual fee. See our full card review.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Gold Card
Annual Fee$250
Welcome Bonus Earn 60,000 Membership Rewards® after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 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
  • 1X on other purchases
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Amex recently announced an increased 60,000 point welcome offer on the Amex Gold, an all-time high offer for this card. 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.

Check out our head-to-head comparison with the Sapphire Preferred to see which of these cards deserves a spot in your wallet.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee$99, waived for first 12 months
Welcome Offer Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
The AA Business Card is a great card to hold for any business owner that travels at least a few times per year with American Airlines. Get a free checked bag on domestic itineraries, priority boarding and a 25% discount on in-flight purchases. Even better, this card gives you access to Reduced Mileage Awards, which can save you up to 30% on the miles required for domestic awards. With these perks, it's easy to justify the annual fee of $99, waived for first 12 months.
  • Free checked bags for you and up to 4 companions on domestic itineraries
  • Priority boarding to help you win the race for overhead bin space
  • A 25% discount on inflight food, beverage, and Wi-Fi purchases
  • Reduced Mileage Awards can save you 7,500 miles on roundtrip MileSAAver Awards
  • Earn 2X miles for every $1 spent on cable and satellite providers
  • Earn 2X miles for every $1 spent at gas stations
  • Earn 2X miles for every $1 spent on select telecommunications merchants
  • Earn 2X miles for every $1 spent on car rentals
  • Earn 2X miles for every $1 spent on eligible American Airlines purchases
  • Earn 1X mile for every $1 spent on all other purchases

With an offer of 65,000 bonus miles after spending $4,000 in purchases within the first 4 months of account opening, this is one of the best AA co-brand card offers currently available. The AA Business Card provides free checked first bags for the cardholder and up to four companions each flight, preferred boarding when you fly American, and you won't pay an annual fee for the first year.

If you travel more with Oneworld Alliance airlines, the British Airways Visa Signature® Card is a good alternative.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Our #1 recommended beginners rewards card featuring an 60,000-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.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 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
  • 5X points on travel purchased through Chase
  • 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

The 60,000-point bonus on the  Chase Sapphire Preferred® Card isn't as high as we've seen in the past, but the card still ranks in our top offers.

Cardholders receive an excellent return on travel and dining purchases, plus, the card offers best-in-class travel and purchase protection. The Sapphire Preferred is a well-rounded card that you'll want to keep for the long term.

Final Thoughts

Welcome offers on rewards cards are continually changing, and it can be hard keeping tabs on the latest sign-up bonuses. We update our top offers every month. So, 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: The Platinum Card® from American Express (Rates & Fees), American Express® Business Gold Card (Rates & Fees), and American Express® Gold Card (Rates & Fees)

AwardWallet Tip of The Day
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