Best Credit Card Sign-Up Bonuses Right Now (February 2026)

Sign-up bonuses are the fastest way to earn a massive amount of points. A single card application can earn you enough miles for a round-trip business class flight — something that would take years to earn through regular spending.

Here are the best offers available right now, organized by card type.

Best Chase Cards

Chase Sapphire Preferred® Card

Bonus: 60,000 Ultimate Rewards points Spend Requirement: $4,000 in 3 months Annual Fee: $95

Why it’s good: This is the classic starter card for points enthusiasts. 60,000 points transfers to Hyatt for 3-4 luxury nights, or to United for 2+ round-trip domestic flights. Read our complete Chase Ultimate Rewards guide for maximizing these points.

Our take: ⭐⭐⭐⭐⭐ If you don’t have a Chase card yet, start here.

Chase Sapphire Reserve®

Bonus: 60,000 Ultimate Rewards points Spend Requirement: $4,000 in 3 months Annual Fee: $550 ($300 travel credit = $250 effective)

Why it’s good: Premium perks: $300 travel credit, Priority Pass lounge access, 3x on dining/travel, 10x on hotels/car rentals via Chase.

Our take: ⭐⭐⭐⭐ Worth it if you travel often and value lounge access.

Chase Ink Business Preferred®

Bonus: 90,000 Ultimate Rewards points Spend Requirement: $8,000 in 3 months Annual Fee: $95

Why it’s good: 90,000 points is one of the highest transferable point bonuses available. Business cards don’t affect personal credit score 5/24.

Our take: ⭐⭐⭐⭐⭐ Best Chase bonus if you can meet the spend.

Chase Ink Business Cash®

Bonus: $750 (or 75,000 UR when paired with Sapphire) Spend Requirement: $6,000 in 3 months Annual Fee: $0

Why it’s good: No annual fee, 5% back at office supply stores and internet/phone. Points combine with Sapphire cards.

Our take: ⭐⭐⭐⭐ Great second Chase business card.

Best Amex Cards

American Express® Gold Card

Bonus: 60,000 Membership Rewards points Spend Requirement: $6,000 in 6 months Annual Fee: $250 (offset by $120 dining + $120 Uber credits)

Why it’s good: 4x on restaurants and groceries (up to $25k/year). Credits make it effectively free if you use them. It’s consistently one of the best credit cards for dining.

Our take: ⭐⭐⭐⭐⭐ Best everyday earning card for food lovers. Compare it to Platinum in our Amex Gold vs Platinum guide.

American Express® Platinum Card

Bonus: 80,000-150,000 MR points (varies by offer) Spend Requirement: $6,000-8,000 in 6 months Annual Fee: $895 (many credits available)

Why it’s good: Centurion Lounge access, 5x on flights, hotel elite status, extensive credits.

Our take: ⭐⭐⭐⭐ Worth it for frequent flyers who use the credits.

Amex Business Gold Card

Bonus: 70,000 Membership Rewards points Spend Requirement: $10,000 in 3 months Annual Fee: $295

Why it’s good: 4x on your top 2 spending categories (up to $150k/year). Great for business spend.

Our take: ⭐⭐⭐⭐ Excellent for varied business spending.

Best Capital One Cards

Capital One Venture X

Bonus: 75,000 miles Spend Requirement: $4,000 in 3 months Annual Fee: $395 ($300 travel credit = $95 effective)

Why it’s good: 2x on everything, 10x on hotels/cars via portal, $300 annual travel credit, 10,000 bonus miles each anniversary, Priority Pass.

Our take: ⭐⭐⭐⭐⭐ Best value premium card. Effectively $95/year.

Capital One Venture Rewards

Bonus: 75,000 miles Spend Requirement: $4,000 in 3 months Annual Fee: $95

Why it’s good: Simple 2x on everything. Transfer partners now include Turkish, Avianca, JAL.

Our take: ⭐⭐⭐⭐ Great if you want simplicity.

Best Hotel Cards

→ See our complete Best Hotel Credit Cards 2026 guide for detailed comparisons of Hilton Aspire, Hyatt, Marriott, and IHG cards.

World of Hyatt Credit Card

Bonus: 60,000 points (30,000 after $3k + 30,000 after $6k more) Spend Requirement: $6,000 total in 6 months Annual Fee: $95

Why it’s good: Hyatt points are worth ~2¢ each. 60,000 points = 2-4 luxury nights. Free Category 1-4 night annually. Learn why Hyatt beats other hotel programs in our World of Hyatt guide.

Our take: ⭐⭐⭐⭐⭐ Best hotel card by far.

Marriott Bonvoy Boundless®

Bonus: 3 free nights (up to 50,000 points each) Spend Requirement: $3,000 in 3 months Annual Fee: $95

Why it’s good: 3 nights covers the annual fee for years. Good for Marriott loyalists.

Our take: ⭐⭐⭐ Marriott points worth less, but free nights are useful.

Hilton Honors American Express Surpass®

Bonus: 130,000 Hilton points + free night Spend Requirement: $3,000 in 3 months Annual Fee: $150

Why it’s good: Highest Hilton bonus. Free night certificate worth $150+ alone.

Our take: ⭐⭐⭐⭐ If you stay at Hiltons, this is solid.

Best Airline Cards

United℠ Explorer Card

Bonus: 60,000 miles Spend Requirement: $3,000 in 3 months Annual Fee: $0 first year, then $95

Why it’s good: Free checked bag, boarding priority, 2 United Club passes.

Our take: ⭐⭐⭐⭐ Good if United is your airline.

Delta SkyMiles® Gold American Express

Bonus: 70,000 miles + $200 statement credit Spend Requirement: $3,000 in 6 months Annual Fee: $150 (waived first year sometimes)

Why it’s good: Free checked bag, boarding priority. 70k miles = a domestic round-trip or Europe one-way.

Our take: ⭐⭐⭐⭐ Best Delta card for casual flyers.

Bonus Tips

Timing Your Applications

Check your credit score — Most premium cards need 720+
Chase 5/24 rule — Chase denies applicants with 5+ new cards in 24 months
Space applications — 3-6 months between apps from same issuer
Have a plan — Know how you’ll meet spend requirements

Meeting Spend Requirements

Timing purchases — Furniture, insurance, taxes
Gift cards — Buy for future use (don’t overdo it)
Plastiq — Pay rent/mortgage with card (2.85% fee)
Prepay bills — Insurance, utilities, subscriptions

Red Flags to Avoid

❌ Cards with bonuses under 40,000 points
❌ High annual fees without offsetting credits
❌ Store cards (usually terrible value)
❌ Cards with “deferred interest”

Our Top 3 Right Now

Chase Ink Business Preferred — 90,000 points is massive
Capital One Venture X — Best value premium card
World of Hyatt — Best hotel card by far

The best strategy? Get multiple cards over time, earn sign-up bonuses, and build a points portfolio across Chase, Amex, and Capital One. Bonus tip: Once you have your cards, earn extra points by referring friends — most programs offer 10,000-40,000 bonus points per successful referral.

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Have questions about which card to get first? Drop a comment!