US Credit Card Guide: Top Sign-Up Bonuses to Maximize Rewards

Credit card sign-up bonuses are a powerful tool for individuals looking to accumulate substantial rewards points or miles quickly. These bonuses can translate into significant value, often yielding a return of 20% or higher on your spending. By strategically leveraging these offers in conjunction with rewards credit cards that offer excellent returns on everyday spending, you can unlock a world of free flights and hotel accommodations. It’s important to note that many credit cards featuring attractive sign-up bonuses also come with annual fees, and deciding whether to keep these cards long-term depends on your individual financial situation and spending habits.

This Us Credit Card Guide provides a curated ranking of the most compelling current sign-up bonuses. Our evaluation is grounded in a comprehensive understanding of miles and points valuations, ensuring that the recommendations are data-driven and relevant. Remember that the true value of points and miles is subjective and depends on your personal redemption preferences and travel patterns. Each credit card featured in this guide includes a direct link to our in-depth review, offering comprehensive details about the card’s benefits and features. To assist you in making informed decisions, we also provide historical sign-up bonus data for each card, empowering you to determine whether to apply now or wait for potentially even more lucrative offers in the future.

The most valuable sign-up bonuses are typically associated with travel rewards cards that accrue points or miles. Maximizing the value of these rewards often requires some research into the most effective redemption strategies. For those who prefer a more straightforward approach to credit card rewards and want to avoid extensive research, we also offer a dedicated sign-up bonus ranking for cash back credit cards. This alternative guide caters to individuals who prioritize cash rewards and simplicity.

This US credit card guide is continuously updated to reflect the most current offers and is structured around the value you can expect to receive within the first year of card membership. After the initial year, the ongoing value proposition of a card, especially those with annual fees, may change. At that point, you have options to downgrade to a no-annual-fee card, which is often the recommended approach, or to cancel the card. Canceling cards is generally discouraged due to the fact that your credit score is partly determined by the average age of your accounts. The first-year value calculations presented here subtract the annual fee from the total value of the sign-up bonus and any credits or benefits redeemable within the first 12 months. Our point and mile valuations are based on the estimates detailed in our post, Estimated Values for Bank Points, Airline Miles, and Hotel Points. We adjust the face value of credits if they are difficult to utilize or come with significant restrictions, estimating their actual value as a percentage of the stated face value.

Enhance your credit card rewards journey by downloading our app: USCreditCardGuide to receive real-time notifications about exceptional deals. Our app also allows you to personalize sign-up bonus rankings based on your own point valuations.

#1: AmEx Business Platinum 250k Offer

First Year Value: Approximately $3,665, making it the top contender in our US credit card guide.
Sign-up Bonus: 250,000 Membership Rewards (MR) Points, a massive haul for any rewards enthusiast.
Spending Requirement: $20,000 within 3 months, a significant but achievable threshold for businesses.
Point Valuation: MR points are valued at around 1.6 cents per point, offering substantial redemption flexibility.
Airline Fee Credit: Benefit from an estimated $120 in airline incidental fee credits ($200 face value, calculated at 60% actual value) available twice in the first year, enhancing travel value.
Dell Credit: Receive a $120 Dell credit (estimated value, $200 face value, 60% actual value) redeemable once during the first year, useful for business technology needs.
Annual Fee: $695, not waived for the first year, reflecting the premium nature of this business credit card.

This card tops our US credit card guide due to its exceptional first-year value driven by a massive sign-up bonus and valuable credits, despite the high annual fee. It’s ideal for businesses with significant spending and a desire for premium travel rewards.

#2: AmEx Business Gold 200k Offer

First Year Value: Around $2,905, positioning it as a high-value option in this US credit card guide.
Sign-up Bonus: 200,000 Membership Rewards (MR) Points, a substantial bonus for business expenses.
Spending Requirement: $15,000 in 3 months, lower than the Platinum, making it more accessible for some businesses.
Point Valuation: MR points retain their high value at approximately 1.6 cents per point, providing flexible redemption options.
Annual Fee: $295, not waived for the first year, a more moderate annual fee compared to the Platinum card.

The AmEx Business Gold card secures a strong position in our US credit card guide, offering a large bonus and a lower annual fee than the Platinum, making it attractive for businesses seeking significant rewards without the highest spending requirement.

#3: AmEx Platinum 175k Offer

First Year Value: Approximately $2,765, making it a top personal card in our US credit card guide.
Sign-up Bonus: 175,000 Membership Rewards (MR) Points, a premium bonus for personal travel and rewards.
Spending Requirement: $8,000 in 6 months, a more extended timeframe and lower threshold than the business cards.
Point Valuation: MR points valued at about 1.6 cents per point, maintaining high redemption value.
Various Credits (Twice Yearly): Benefit from an estimated $240 in credits (60% of $400 face value across airline incidental and hotel credits) available twice in the first year, maximizing travel perks.
Various Credits (Once Yearly): Receive an estimated $180 in credits (60% of $300 face value across Uber and Saks credits) redeemable once in the first year, adding lifestyle benefits.
Annual Fee: $695, not waived for the first year, typical for premium personal cards with extensive benefits.

The personal AmEx Platinum card ranks highly in our US credit card guide due to its valuable sign-up bonus and a suite of credits that enhance the first-year value, appealing to individuals seeking luxury travel and lifestyle rewards.

#4: Capital One Venture X Business 150k Offer

First Year Value: Around $2,305, a strong contender in our US credit card guide for business travelers.
Sign-up Bonus: 150,000 Capital One (C1) Points, a substantial bonus in the Venture Rewards ecosystem.
Spending Requirement: $30,000 in 3 months, the highest spending requirement in the top tier, aimed at businesses with significant expenses.
Point Valuation: C1 points are valued at approximately 1.6 cents per point, offering good transfer partner options.
Annual Travel Credit: Enjoy a $300 annual travel credit redeemable once in the first year, effectively offsetting a portion of the annual fee.
Annual Fee: $395, not waived for the first year, positioned as a premium business travel card.

The Capital One Venture X Business card earns its place in our US credit card guide by combining a large sign-up bonus with a valuable travel credit, making it attractive for businesses with high travel spending.

#5: Capital One Spark Cash Plus 200k Offer

First Year Value: Approximately $1,850, a solid cash back option in our US credit card guide.
Sign-up Bonus: $2,000 cash back, a straightforward and highly valued cash bonus.
Spending Requirement: $30,000 in 3 months, a significant spending requirement for a cash back card, geared towards high-spending businesses.
Point Valuation: Cash back is valued at 1 cent per point, representing its direct dollar-for-dollar value.
Annual Fee: $150, not waived for the first year, a moderate fee for a premium cash back business card.

The Capital One Spark Cash Plus card is featured in our US credit card guide as a top cash back option, offering a large, direct cash bonus for businesses with substantial spending.

#6: Chase Ink Preferred 100k Offer

First Year Value: Around $1,505, a valuable business rewards card in our US credit card guide.
Sign-up Bonus: 100,000 Ultimate Rewards (UR) Points, a highly sought-after bonus in the Chase ecosystem.
Spending Requirement: $15,000 in 3 months, a moderate spending requirement for a premium business card.
Point Valuation: UR points are valued at approximately 1.6 cents per point, offering excellent travel transfer options.
Annual Fee: $95, not waived for the first year, a reasonable fee for the rewards potential.

The Chase Ink Preferred card is a staple in our US credit card guide, known for its versatile UR points and a strong sign-up bonus, making it ideal for businesses focused on travel rewards.

#7: AmEx Gold 100k Offer

First Year Value: Approximately $1,419, a popular personal rewards card in our US credit card guide.
Sign-up Bonus: 100,000 Membership Rewards (MR) Points, a significant bonus for everyday spending and travel.
Spending Requirement: $6,000 in 6 months, a lower spending threshold spread over a longer period.
Point Valuation: MR points remain valuable at about 1.6 cents per point, providing diverse redemption choices.
Various Credits (Yearly): Benefit from an estimated $144 in credits (60% of $240 face value across dining and Uber credits) available once in the first year, adding value to everyday spending categories.
Annual Fee: $325, not waived for the first year, reflecting its position as a mid-tier rewards card.

The AmEx Gold card is a consistently recommended card in our US credit card guide, offering a balance of a strong bonus, relevant spending credits, and a moderate annual fee, appealing to a wide range of users.

#8: Chase United Business 100k Offer

First Year Value: Around $1,400, a top airline business card in our US credit card guide for United flyers.
Sign-up Bonus: 100,000 UA Miles, a substantial bonus for United Airlines loyalists.
Spending Requirement: $5,000 in 3 months, a relatively low spending requirement for an airline business card.
Point Valuation: UA Miles are valued at approximately 1.4 cents per point, providing good value for United flights.
Annual Fee: $99, waived for the first year, enhancing the first-year value proposition.

For businesses frequently flying with United Airlines, the Chase United Business card is a prominent recommendation in our US credit card guide, offering a large bonus and a waived annual fee in the first year, making it a low-risk opportunity to earn significant miles.

#9: AmEx Platinum for Morgan Stanley 80k Offer

First Year Value: Approximately $1,245, a specialized version of the Platinum card featured in our US credit card guide.
Sign-up Bonus: 80,000 Membership Rewards (MR) Points, a slightly lower bonus than the standard Platinum but still valuable.
Spending Requirement: $6,000 in 3 months, a moderate spending requirement for a premium card.
Point Valuation: MR points maintain their value at about 1.6 cents per point.
Various Credits (Twice Yearly): Benefit from an estimated $240 in credits (60% of $400 face value across airline incidental and hotel credits) available twice in the first year.
Various Credits (Once Yearly): Receive an estimated $180 in credits (60% of $300 face value across Uber and Saks credits) redeemable once in the first year.
Annual Fee: $695, not waived for the first year, same as the standard Platinum.

This AmEx Platinum variant, available through Morgan Stanley, is included in our US credit card guide as it offers similar benefits to the standard Platinum, with access potentially tied to Morgan Stanley relationships.

#10: AmEx Platinum for Schwab 80k Offer

First Year Value: Approximately $1,245, another specialized Platinum variant highlighted in our US credit card guide.
Sign-up Bonus: 80,000 Membership Rewards (MR) Points, consistent with the Morgan Stanley version.
Spending Requirement: $6,000 in 6 months, a slightly extended timeframe for spending.
Point Valuation: MR points valued at 1.6 cents per point.
Various Credits (Twice Yearly): Benefit from an estimated $240 in credits (60% of $400 face value across airline incidental and hotel credits) available twice in the first year.
Various Credits (Once Yearly): Receive an estimated $180 in credits (60% of $300 face value across Uber and Saks credits) redeemable once in the first year.
Annual Fee: $695, not waived for the first year, same as other Platinum versions.

Similar to the Morgan Stanley version, the AmEx Platinum for Schwab is featured in our US credit card guide as it provides Platinum benefits with access potentially linked to Schwab accounts, offering another avenue to access premium rewards.

#11: Chase Ink Cash 75k Offer

First Year Value: Around $1,200, a top no-annual-fee business card in our US credit card guide.
Sign-up Bonus: 75,000 Ultimate Rewards (UR) Points, a very generous bonus for a no-annual-fee card.
Spending Requirement: $6,000 in 3 months, a moderate spending requirement for a business card.
Point Valuation: UR points retain their value at about 1.6 cents per point.
Annual Fee: $0, making it exceptionally valuable in the long run.

The Chase Ink Cash card is a standout in our US credit card guide, offering a significant UR point bonus with no annual fee, making it a top choice for businesses seeking long-term value and rewards without ongoing fees.

#12: Chase Ink Unlimited 75k Offer

First Year Value: Approximately $1,200, another excellent no-annual-fee business card in our US credit card guide.
Sign-up Bonus: 75,000 Ultimate Rewards (UR) Points, mirroring the Ink Cash in bonus value.
Spending Requirement: $6,000 in 3 months, consistent with the Ink Cash.
Point Valuation: UR points valued at 1.6 cents per point.
Annual Fee: $0, enhancing its long-term value.

The Chase Ink Unlimited, alongside the Ink Cash, is highly recommended in our US credit card guide for businesses wanting to maximize UR points without annual fees, offering a compelling combination of rewards and cost savings.

#13: BoA Alaska 75k Offer

First Year Value: Around $1,105, a strong airline card option in our US credit card guide for Alaska Airlines flyers.
Sign-up Bonus: 75,000 AS Miles, a large bonus for Alaska Airlines miles enthusiasts.
Spending Requirement: $3,000 in 3 months, a lower spending requirement compared to many premium cards.
Point Valuation: AS Miles are valued at approximately 1.6 cents per point, among the higher valued airline miles.
Annual Fee: $95, not waived for the first year, a standard fee for airline-branded cards.

For individuals loyal to Alaska Airlines, the BoA Alaska card is a prominent recommendation in our US credit card guide, providing a substantial mile bonus and valuable Alaska Airlines perks.

#14: Capital One Venture 75k Offer

First Year Value: Approximately $1,105, a versatile travel rewards card in our US credit card guide.
Sign-up Bonus: 75,000 Capital One (C1) Points, a solid bonus in the Venture ecosystem.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement for a travel card.
Point Valuation: C1 points are valued at 1.6 cents per point, offering flexibility in redemption.
Annual Fee: $95, not waived for the first year, a typical fee for travel rewards cards.

The Capital One Venture card is a consistently recommended travel card in our US credit card guide, known for its straightforward rewards and a valuable sign-up bonus, appealing to travelers seeking flexible point redemption.

#15: Capital One Venture X 75k Offer

First Year Value: Approximately $1,105, a premium personal travel card in our US credit card guide.
Sign-up Bonus: 75,000 Capital One (C1) Points, consistent with the Venture card bonus.
Spending Requirement: $4,000 in 3 months, same as the Venture card.
Point Valuation: C1 points remain valued at 1.6 cents per point.
Travel Credit: Enjoy a $300 Travel Credit redeemable once in the first year, significantly offsetting the annual fee.
Annual Fee: $395, not waived for the first year, positioning it as a premium travel card.

The Capital One Venture X card is highlighted in our US credit card guide as a premium counterpart to the Venture, offering enhanced benefits and a travel credit that boosts first-year value, making it competitive in the premium travel card market.

#16: Citi Strata Premier 75k Offer

First Year Value: Around $1,105, a valuable Citi ThankYou points card in our US credit card guide.
Sign-up Bonus: 75,000 ThankYou Points (TYP), a substantial bonus in the Citi rewards ecosystem.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: TYP points are valued at approximately 1.6 cents per point, offering good transfer partner value.
Annual Fee: $95, not waived for the first year, a standard fee for a travel rewards card.

The Citi Strata Premier card is a key recommendation in our US credit card guide for those seeking to accumulate Citi ThankYou points, offering a strong bonus and access to Citi’s travel partners.

#17: AmEx Delta SkyMiles Gold Business 90k Offer

First Year Value: Approximately $1,080, a valuable Delta business card in our US credit card guide for Delta flyers.
Sign-up Bonus: 90,000 DL Miles, a large bonus for Delta SkyMiles collectors.
Spending Requirement: $6,000 in 6 months, a more extended timeframe for spending.
Point Valuation: DL Miles are valued at about 1.2 cents per point, typical for airline miles.
Annual Fee: $150, waived for the first year, enhancing the first-year value.

For businesses that frequently travel with Delta Air Lines, the AmEx Delta SkyMiles Gold Business card is a solid recommendation in our US credit card guide, offering a good bonus and a waived annual fee in the first year, making it attractive for Delta loyalists.

#18: CitiBusiness AAdvantage Platinum Select 75k Offer

First Year Value: Around $1,026, a top American Airlines business card in our US credit card guide.
Sign-up Bonus: 75,000 AA Miles, a substantial bonus for American Airlines flyers.
Spending Requirement: $5,000 in 5 months, a moderate spending requirement over an extended period.
Point Valuation: AA Miles are valued at approximately 1.5 cents per point, offering good value for American Airlines travel.
Annual Fee: $99, not waived for the first year, a standard fee for airline business cards.

The CitiBusiness AAdvantage Platinum Select card is a key feature in our US credit card guide for businesses that prefer American Airlines, offering a significant mile bonus and various AA travel benefits.

#19: BoA Alaska Business 70k Offer

First Year Value: Approximately $1,025, another valuable Alaska Airlines business card in our US credit card guide.
Sign-up Bonus: 70,000 AS Miles, a large bonus for Alaska Airlines miles.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement for a business card.
Point Valuation: AS Miles are valued at 1.6 cents per point, maintaining high value.
Annual Fee: $95, not waived for the first year, consistent with the personal BoA Alaska card.

The BoA Alaska Business card is a strong recommendation in our US credit card guide for businesses focused on Alaska Airlines rewards, mirroring the benefits of the personal card with features tailored for business use.

#20: AmEx Delta SkyMiles Gold 80k Offer

First Year Value: Around $960, a popular personal Delta card in our US credit card guide.
Sign-up Bonus: 80,000 DL Miles, a good bonus for Delta SkyMiles enthusiasts.
Spending Requirement: $3,000 in 6 months, a lower spending requirement over a longer timeframe.
Point Valuation: DL Miles are valued at 1.2 cents per point.
Annual Fee: $150, waived for the first year, enhancing first-year value.

The AmEx Delta SkyMiles Gold card is a widely recommended personal airline card in our US credit card guide, offering a solid bonus and a waived annual fee in the first year, making it a low-commitment way to earn Delta miles.

#21: Barclays AAdvantage Aviator Red 70k Offer

First Year Value: Approximately $951, a straightforward American Airlines card in our US credit card guide.
Sign-up Bonus: 70,000 AA Miles, a good bonus for AA miles.
Spending Requirement: Just one purchase in 3 months, an exceptionally low spending requirement, making the bonus very accessible.
Point Valuation: AA Miles valued at 1.5 cents per point.
Annual Fee: $99, not waived for the first year, a typical fee for airline cards.

The Barclays AAdvantage Aviator Red card stands out in our US credit card guide for its incredibly easy-to-earn bonus, requiring only a single purchase to unlock a substantial amount of AA miles.

#22: Barclays JetBlue Premier 70k Offer

First Year Value: Around $941, a unique JetBlue card in our US credit card guide with statement credits.
Sign-up Bonus: 70,000 B6 Miles, a good bonus for JetBlue miles.
Spending Requirement: $5,000 in 3 months, a moderate spending requirement.
Point Valuation: B6 Miles are valued at 1.2 cents per point.
Paisly Statement Credits: Benefit from $300 Paisly statement credits available twice in the first year, offering unique travel-related value.
Annual Fee: $499, not waived for the first year, a higher annual fee justified by the statement credits.

The Barclays JetBlue Premier card is featured in our US credit card guide for its unique Paisly statement credits, which can offset the high annual fee for frequent JetBlue and Paisly users, in addition to a solid mile bonus.

#23: Chase World of Hyatt Business 60k + 1FN Offer

First Year Value: Approximately $905, a valuable hotel business card in our US credit card guide for Hyatt enthusiasts.
Sign-up Bonus: 60,000 Hyatt Points + 1 Free Night (Cat 4, valued at $144), a combined bonus appealing to Hyatt loyalists.
Spending Requirement: $15,000 in 6 months, a moderate spending requirement over an extended period.
Point Valuation: Hyatt Points are highly valued at 1.6 cents per point, offering excellent redemption value within the Hyatt program.
Annual Fee: $199, not waived for the first year, a reasonable fee for a hotel business card with valuable benefits.

For businesses that value hotel rewards, particularly within the Hyatt program, the Chase World of Hyatt Business card is a strong recommendation in our US credit card guide, offering a combination of points and a free night award.

#24: Citi AAdvantage Platinum Select 60k Offer

First Year Value: Around $900, a popular personal American Airlines card in our US credit card guide.
Sign-up Bonus: 60,000 AA Miles, a good bonus for American Airlines miles.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: AA Miles are valued at 1.5 cents per point.
Annual Fee: $99, waived for the first year, enhancing the first-year value.

The Citi AAdvantage Platinum Select card is a widely recognized personal airline card in our US credit card guide, offering a solid bonus and a waived annual fee in the first year, making it a good entry point into American Airlines rewards.

#25: Chase Aeroplan 70k Offer

First Year Value: Approximately $885, a valuable airline card in our US credit card guide for Aeroplan and Star Alliance flyers.
Sign-up Bonus: 70,000 AC Miles, a substantial bonus for Aeroplan miles, part of the Air Canada program.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: AC Miles are valued at 1.4 cents per point, offering good value within the Star Alliance network.
Annual Fee: $95, not waived for the first year, a standard fee for airline cards.

For those interested in the Aeroplan program and Star Alliance benefits, the Chase Aeroplan card is a key recommendation in our US credit card guide, providing a strong mile bonus and access to a broad airline network.

#26: Chase Sapphire Preferred 60k Offer

First Year Value: Around $865, a flagship personal travel card in our US credit card guide for UR points.
Sign-up Bonus: 60,000 Ultimate Rewards (UR) Points, a core bonus in the Chase ecosystem.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: UR points remain highly valued at 1.6 cents per point.
Annual Fee: $95, not waived for the first year, a standard fee for a premium travel card.

The Chase Sapphire Preferred card is a cornerstone recommendation in our US credit card guide, known for its versatile UR points and a solid sign-up bonus, making it a popular choice for travelers starting their rewards journey.

#27: AmEx Delta SkyMiles Platinum Business 100k Offer

First Year Value: Approximately $850, a premium Delta business card in our US credit card guide.
Sign-up Bonus: 100,000 DL Miles, a large bonus for Delta SkyMiles enthusiasts.
Spending Requirement: $8,000 in 6 months, a moderate spending requirement over an extended period.
Point Valuation: DL Miles are valued at 1.2 cents per point.
Annual Fee: $350, not waived for the first year, reflecting its premium positioning.

For businesses deeply invested in the Delta SkyMiles program, the AmEx Delta SkyMiles Platinum Business card is a valuable option in our US credit card guide, offering a large mile bonus and enhanced Delta benefits.

#28: Chase Southwest Airlines Performance Business 80k Offer

First Year Value: Around $841, a top Southwest business card in our US credit card guide for Southwest flyers.
Sign-up Bonus: 80,000 WN Miles, a substantial bonus for Southwest Rapid Rewards members.
Spending Requirement: $5,000 in 3 months, a moderate spending requirement.
Point Valuation: WN Miles are valued at 1.3 cents per point, offering good value for Southwest flights.
Annual Fee: $199, not waived for the first year, a moderate fee for a premium airline business card.

The Chase Southwest Airlines Performance Business card is a key recommendation in our US credit card guide for businesses that frequently fly Southwest, providing a large mile bonus and valuable Southwest perks.

#29: Chase United Explorer 60k Offer

First Year Value: Approximately $840, a popular personal United card in our US credit card guide.
Sign-up Bonus: 60,000 UA Miles, a good bonus for United Airlines miles.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: UA Miles are valued at 1.4 cents per point.
Annual Fee: $95, waived for the first year, enhancing the first-year value proposition.

The Chase United Explorer card is a widely recognized personal airline card in our US credit card guide, offering a solid bonus and a waived annual fee in the first year, making it a low-risk entry into United MileagePlus rewards.

#30: BoA Premium Rewards Elite 75k Offer

First Year Value: Around $830, a premium Bank of America card in our US credit card guide with lifestyle credits.
Sign-up Bonus: 75,000 BoA Points, a substantial bonus in the Bank of America rewards program.
Spending Requirement: $5,000 in 3 months, a moderate spending requirement.
Point Valuation: BoA Points are valued at 1 cent per point.
Airline and Lifestyle Credits (Twice Yearly): Benefit from an estimated $315 in credits (70% of face value across airline incidental and lifestyle credits) available twice in the first year, providing substantial value if utilized.
Annual Fee: $550, not waived for the first year, a high annual fee justified by the credits and premium benefits.

The BoA Premium Rewards Elite card is featured in our US credit card guide for its significant credits that can offset the high annual fee for those who can fully utilize the airline and lifestyle credits, in addition to a strong point bonus.

#31: Chase Aer Lingus 75k Offer

First Year Value: Approximately $805, an airline card option in our US credit card guide for Aer Lingus and Avios collectors.
Sign-up Bonus: 75,000 BA Miles, a large bonus in the British Airways Avios ecosystem, shared with Aer Lingus and Iberia.
Spending Requirement: $5,000 in 3 months, a moderate spending requirement.
Point Valuation: BA Miles (Avios) are valued at 1.2 cents per point, offering good value within the Avios programs.
Annual Fee: $95, not waived for the first year, a standard fee for airline cards.

For those interested in collecting Avios points and flying with Aer Lingus or other Avios partners, the Chase Aer Lingus card is a recommendation in our US credit card guide, offering a strong mile bonus within the Avios ecosystem.

#32: Chase British Airways 75k Offer

First Year Value: Approximately $805, another Avios-earning card in our US credit card guide, focused on British Airways.
Sign-up Bonus: 75,000 BA Miles, consistent with the Aer Lingus and Iberia versions.
Spending Requirement: $5,000 in 3 months, same as the Aer Lingus card.
Point Valuation: BA Miles (Avios) valued at 1.2 cents per point.
Annual Fee: $95, not waived for the first year, consistent with other Avios cards.

The Chase British Airways card is featured in our US credit card guide as a direct way to earn British Airways Avios, offering a strong bonus for those focused on the British Airways program and its partners.

#33: Chase Iberia 75k Offer

First Year Value: Approximately $805, completing the Avios trio in our US credit card guide, focused on Iberia Airlines.
Sign-up Bonus: 75,000 BA Miles, again consistent with the other Avios cards.
Spending Requirement: $5,000 in 3 months, same as the other Avios cards.
Point Valuation: BA Miles (Avios) valued at 1.2 cents per point.
Annual Fee: $95, not waived for the first year, consistent with the Avios card family.

The Chase Iberia card is included in our US credit card guide for those specifically interested in Iberia Airlines and earning Avios points within the Iberia Plus program, offering the same strong bonus as its Avios counterparts.

#34: Chase Ink Premier 100k Offer

First Year Value: Around $805, a business cashback card in our US credit card guide with a high spending bonus.
Sign-up Bonus: $1,000 cash back, a direct cash bonus for business spending.
Spending Requirement: $10,000 in 3 months, a moderate to high spending requirement for a cashback card.
Point Valuation: Cash back is valued at 1 cent per point.
Annual Fee: $195, not waived for the first year, a higher fee for a cashback card reflecting the large bonus.

The Chase Ink Premier card is featured in our US credit card guide for businesses seeking a straightforward cash back bonus with a high spending threshold, offering a substantial dollar-for-dollar return in the first year.

#35: Capital One Spark Miles 50k Offer

First Year Value: Approximately $800, a business travel card in our US credit card guide with a waived annual fee in the first year.
Sign-up Bonus: 50,000 Capital One (C1) Points, a solid bonus in the Venture ecosystem.
Spending Requirement: $4,500 in 3 months, a moderate spending requirement.
Point Valuation: C1 points are valued at 1.6 cents per point.
Annual Fee: $95, waived for the first year, enhancing the first-year value.

The Capital One Spark Miles card is a recommended business travel card in our US credit card guide, offering a good bonus and a waived annual fee in the first year, making it a low-risk option to explore Capital One rewards.

#36: Chase Sapphire Reserve 60k Offer

First Year Value: Around $770, a premium personal travel card and a flagship in our US credit card guide.
Sign-up Bonus: 60,000 Ultimate Rewards (UR) Points, a core bonus for a premium Chase card.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: UR points remain highly valued at 1.6 cents per point.
Travel and Doordash Credits: Benefit from an estimated $360 in travel credit (easy to use) plus Doordash credits once in the first year, offsetting a portion of the annual fee.
Annual Fee: $550, not waived for the first year, a high annual fee justified by the premium benefits and credits.

The Chase Sapphire Reserve card is a perennial favorite in our US credit card guide, recognized as a top-tier premium travel card with valuable UR points, travel credits, and comprehensive travel benefits, despite its higher annual fee.

#37: Chase Marriott Bonvoy Boundless 100k +$150 Offer

First Year Value: Approximately $755, a hotel card in our US credit card guide with a points and cash bonus.
Sign-up Bonus: 100,000 Marriott Bonvoy (MB) Points + $150 statement credit, a combined bonus appealing to Marriott enthusiasts.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: MB Points are valued at 0.7 cents per point, lower than airline or UR/MR points but still valuable within the Marriott ecosystem.
Annual Fee: $95, not waived for the first year, a standard fee for hotel cards.

For individuals loyal to the Marriott Bonvoy program, the Chase Marriott Bonvoy Boundless card is a solid recommendation in our US credit card guide, offering a large point bonus and a cash statement credit to enhance first-year value.

#38: Chase IHG Premier 170k Offer

First Year Value: Approximately $751, a hotel card in our US credit card guide with a massive point bonus.
Sign-up Bonus: 170,000 IHG Points, an exceptionally large point bonus within the IHG Rewards program.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: IHG Points are valued at 0.5 cents per point, lower value per point but compensated by the sheer volume of points.
Annual Fee: $99, not waived for the first year, a standard fee for hotel cards.

The Chase IHG Premier card is featured in our US credit card guide for its massive IHG point bonus, appealing to those who frequently stay at IHG hotels and can leverage the large point accumulation.

#39: Capital One Spark Cash 75k Offer

First Year Value: Approximately $750, a straightforward business cashback card in our US credit card guide with a waived annual fee in the first year.
Sign-up Bonus: $750 cash back, a direct cash bonus for business spending.
Spending Requirement: $7,500 in 3 months, a moderate spending requirement for a cashback card.
Point Valuation: Cash back valued at 1 cent per point.
Annual Fee: $95, waived for the first year, enhancing first-year value.

The Capital One Spark Cash card is recommended in our US credit card guide for businesses seeking a no-nonsense cash back bonus with a waived annual fee in the first year, offering simple and direct value.

#40: US Bank Business Leverage 75k Offer

First Year Value: Approximately $750, a business cashback card in our US credit card guide with a direct cash bonus.
Sign-up Bonus: $750 cash back, consistent with the Capital One Spark Cash.
Spending Requirement: $7,500 in 3 months, same as the Spark Cash.
Point Valuation: Cash back valued at 1 cent per point.
Annual Fee: $95, waived for the first year, mirroring the Spark Cash’s first-year structure.

The US Bank Business Leverage card is a comparable option in our US credit card guide to the Capital One Spark Cash, offering the same cash bonus structure and waived annual fee in the first year, providing another solid cashback option for businesses.

#41: US Bank Triple Cash Business 75k Offer

First Year Value: Approximately $750, another US Bank business cashback card in our US credit card guide, this time with no annual fee.
Sign-up Bonus: $750 cash back, consistent with the other US Bank and Capital One cashback cards.
Spending Requirement: $6,000 in 3 months, a slightly lower spending requirement than some competitors.
Point Valuation: Cash back valued at 1 cent per point.
Annual Fee: $0, making it a valuable long-term cashback option.

The US Bank Triple Cash Business card stands out in our US credit card guide as a no-annual-fee cashback option with a substantial sign-up bonus, offering long-term value for businesses seeking to minimize fees while maximizing cash rewards.

#42: Chase United Club 90k Offer

First Year Value: Around $734, a premium United airline card in our US credit card guide with club access.
Sign-up Bonus: 90,000 UA Miles, a large bonus for United flyers.
Spending Requirement: $5,000 in 3 months, a moderate spending requirement.
Point Valuation: UA Miles are valued at 1.4 cents per point.
Annual Fee: $525, not waived for the first year, a high annual fee justified by the United Club access and premium benefits.

For frequent United Airlines travelers who value United Club access, the Chase United Club card is a premium option featured in our US credit card guide, offering a large mile bonus and lounge access, although with a significant annual fee.

#43: AmEx Delta SkyMiles Platinum 90k Offer

First Year Value: Approximately $730, a premium personal Delta card in our US credit card guide.
Sign-up Bonus: 90,000 DL Miles, a good bonus for Delta SkyMiles collectors.
Spending Requirement: $4,000 in 6 months, a moderate spending requirement over an extended period.
Point Valuation: DL Miles are valued at 1.2 cents per point.
Annual Fee: $350, not waived for the first year, a standard fee for premium airline cards.

The AmEx Delta SkyMiles Platinum card is a solid premium personal airline card in our US credit card guide, offering a good mile bonus and enhanced Delta benefits, positioning itself as a step up from the Gold version.

#44: Chase United Quest 70k Offer

First Year Value: Approximately $730, a mid-tier personal United card in our US credit card guide.
Sign-up Bonus: 70,000 UA Miles, a good bonus for United miles.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: UA Miles are valued at 1.4 cents per point.
Annual Fee: $250, not waived for the first year, a moderate fee for a United card with enhanced earning.

The Chase United Quest card is a mid-range option in our US credit card guide for United flyers, offering a solid mile bonus and enhanced earning categories, balancing benefits and annual fee.

#45: BoA Premium Rewards 60k Offer

First Year Value: Around $705, a versatile Bank of America card in our US credit card guide with airline incidental credits.
Sign-up Bonus: 60,000 BoA Points, a good bonus in the Bank of America program.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: BoA Points are valued at 1 cent per point.
Airline Fee Credit (Twice Yearly): Benefit from a $100 airline incidental fee credit available twice in the first year, offsetting a portion of the annual fee.
Annual Fee: $95, not waived for the first year, a standard fee for travel rewards cards.

The BoA Premium Rewards card is featured in our US credit card guide for its balance of a good point bonus and airline fee credits, making it a versatile option for Bank of America customers seeking travel rewards.

#46: Chase Southwest Airlines Premier Business 60k Offer

First Year Value: Approximately $681, a Southwest business card in our US credit card guide.
Sign-up Bonus: 60,000 WN Miles, a good bonus for Southwest Rapid Rewards.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: WN Miles are valued at 1.3 cents per point.
Annual Fee: $99, not waived for the first year, a standard fee for airline business cards.

The Chase Southwest Airlines Premier Business card is a solid option in our US credit card guide for businesses that fly Southwest, offering a good mile bonus and Southwest-specific perks.

#47: AmEx Delta SkyMiles Reserve Business 110k Offer

First Year Value: Approximately $670, the highest-tier Delta business card in our US credit card guide.
Sign-up Bonus: 110,000 DL Miles, the largest Delta mile bonus among business cards listed.
Spending Requirement: $12,000 in 6 months, a higher spending requirement reflecting its premium status.
Point Valuation: DL Miles are valued at 1.2 cents per point.
Annual Fee: $650, not waived for the first year, a high annual fee for top-tier airline business cards.

For businesses that are deeply loyal to Delta and desire top-tier benefits, the AmEx Delta SkyMiles Reserve Business card is a premium option in our US credit card guide, offering the largest Delta mile bonus and Delta Sky Club access, albeit with a high annual fee.

#48: AmEx Hilton Aspire 150k Offer

First Year Value: Approximately $660, a premium hotel card in our US credit card guide for Hilton Honors enthusiasts.
Sign-up Bonus: 150,000 Hilton Points, a massive bonus within the Hilton Honors program.
Spending Requirement: $6,000 in 6 months, a moderate spending requirement over an extended period.
Point Valuation: Hilton Points are valued at 0.4 cents per point, lower per point value but compensated by the large bonus and benefits.
Weekend Free Night & Credits: Benefit from a Weekend Free Night certificate (valued at $250) and an estimated $360 in credits (60% of $600 face value across air and Hilton resort credits) available once in the first year, significantly offsetting the annual fee.
Annual Fee: $550, not waived for the first year, a high annual fee justified by the extensive benefits and credits.

For Hilton loyalists seeking top-tier benefits and a large point bonus, the AmEx Hilton Aspire card is a premium recommendation in our US credit card guide, offering a rich suite of perks that can outweigh the high annual fee for frequent Hilton guests.

#49: Chase Marriott Bonvoy Bold 60k + 1FN Offer

First Year Value: Around $630, a no-annual-fee hotel card in our US credit card guide for Marriott Rewards.
Sign-up Bonus: 60,000 Marriott Bonvoy (MB) Points + 1 Free Night (up to 50k points, valued at $210), a combined bonus for a no-annual-fee card.
Spending Requirement: $2,000 in 3 months, a low spending requirement.
Point Valuation: MB Points are valued at 0.7 cents per point.
Annual Fee: $0, making it a valuable no-annual-fee option.

The Chase Marriott Bonvoy Bold card is highlighted in our US credit card guide as a top no-annual-fee hotel card, offering a solid point bonus and a free night certificate without any ongoing annual cost.

#50: Barclays JetBlue Business 60k Offer

First Year Value: Approximately $621, a JetBlue business card in our US credit card guide.
Sign-up Bonus: 60,000 B6 Miles, a good bonus for JetBlue miles.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: B6 Miles are valued at 1.2 cents per point.
Annual Fee: $99, not waived for the first year, a standard fee for airline business cards.

For businesses that frequently fly JetBlue, the Barclays JetBlue Business card is a solid option in our US credit card guide, offering a good mile bonus and business-focused benefits within the JetBlue ecosystem.

#51: Cardless Qatar Airways Signature 60k Offer

First Year Value: Approximately $621, an airline card in our US credit card guide for Qatar Airways and Avios collectors.
Sign-up Bonus: 60,000 BA Miles (Avios), a good bonus in the Avios ecosystem, usable with Qatar Airways and partners.
Spending Requirement: $3,000 in 3 months, a moderate spending requirement.
Point Valuation: BA Miles (Avios) are valued at 1.2 cents per point.
Annual Fee: $99, not waived for the first year, a standard fee for airline cards.

The Cardless Qatar Airways Signature card is featured in our US credit card guide for those interested in Qatar Airways and collecting Avios points, providing a solid bonus within the Avios program and benefits for Qatar Airways flyers.

#52: Chase Southwest Airlines Plus 30k + CP Offer

First Year Value: Approximately $621, a unique Southwest card in our US credit card guide offering a Companion Pass boost.
Sign-up Bonus: 30,000 WN Miles + Companion Pass (valued at $300), a valuable combined bonus, especially for those traveling with a companion.
Spending Requirement: $4,000 in 3 months, a moderate spending requirement.
Point Valuation: WN Miles are valued at 1.3 cents per point.
Annual Fee: $69, not waived for the first year, a lower annual fee for an airline card.

The Chase Southwest Airlines Plus card is uniquely highlighted in our US credit card guide for its Companion Pass offer, which can be exceptionally valuable for Southwest flyers traveling with a companion, in addition to a point bonus.

Conclusion:

This US credit card guide highlights the top credit card sign-up bonuses currently available, ranked by their first-year value. Choosing the right credit card depends on your individual spending habits, travel preferences, and loyalty to specific brands or rewards programs. Carefully consider the annual fees, spending requirements, and point valuations to maximize the benefits of these offers. Remember to always pay your balances in full and on time to avoid interest charges and maintain a healthy credit score. This guide is a starting point to navigate the complex world of credit card rewards and find the best offers to suit your financial goals.

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