Highest Credit Card Sign-Up Bonuses 2026

Every credit card ranked by sign-up bonus value. 43 cards worth $30,815+ in combined bonuses.

Top Bonuses Right Now

#1 Highest
American Express Business Gold
$2,400 value
#2 Highest
The Business Platinum Card from American Express
$2,400 value
#3 Highest
Chase Sapphire Reserve
$1,875 value

Why Bonus Size Matters for Churning

The sign-up bonus is typically worth far more than ongoing rewards. A $2,400 bonus from a single card would take years to earn through regular spending alone.

When choosing cards to churn, prioritize the highest net bonus value (bonus minus annual fee). See our best cards to churn guide for a strategy-focused ranking, or our churning guide to get started.

American Express

American Express Business Gold

200,000 points
~$2,400 value
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
Apply NowDetails
American Express

The Business Platinum Card from American Express

200,000 points
~$2,400 value
Spend Required$20,000 in 3 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly or via Amex Travel1.5x on purchases $5k+
Apply NowDetails
Chase

Chase Sapphire Reserve

125,000 points
~$1,875 value
Spend Required$4,000 in 3 months
Annual Fee$550
Base Rewards1x on all purchases
3x dining3x travel10x hotels via portal+1 more
Apply NowDetails
Chase

Ink Business Preferred

100,000 points
~$1,250 value
Spend Required$8,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x travel3x shipping3x internet/cable/phone+1 more
Apply NowDetails
Capital One

Capital One Venture Rewards

75,000 miles
~$1,125 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
5x hotels/rentals via Capital One Travel
Apply NowDetails
American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,100 value
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Apply NowDetails
Chase

Chase Sapphire Preferred

70,000 points
~$1,050 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x dining3x streaming2x travel+1 more
Apply NowDetails
Chase

World of Hyatt Credit Card

30,000 points
~$1,000 value
Spend Required$15,000 in 6 months
Annual Fee$95
Base Rewards1x on all purchases
4x Hyatt2x restaurants2x airline tickets+2 more
Apply NowDetails
American Express

The Platinum Card from American Express

80,000 points
~$960 value
Spend Required$8,000 in 6 months
Annual Fee$695
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
Apply NowDetails
Barclays

JetBlue Plus Card

80,000 points
~$960 value
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Apply NowDetails
Citi

Citi AAdvantage Platinum Select

80,000 miles
~$960 value
Spend Required$2,500 in 3 months
Annual Fee$99(waived yr 1)
Base Rewards1x on all purchases
2x American Airlines2x restaurants2x gas+1 more
Apply NowDetails
Wells Fargo

Wells Fargo Autograph Card

60,000 points
~$900 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
Apply NowDetails
Wells Fargo

Wells Fargo Autograph Journey Card

60,000 points
~$900 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
5x hotels4x airlines3x restaurants+1 more
Apply NowDetails
American Express

Hilton Honors Aspire Card

175,000 points
~$875 value
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
Apply NowDetails
American Express

Delta SkyMiles Gold Card

70,000 miles
~$770 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
Apply NowDetails
Capital One

Capital One Venture X

75,000 miles
~$750 value
Spend Required$4,000 in 3 months
Annual Fee$395
Base Rewards2x on all purchases
10x hotels via Capital One Travel5x flights via Capital One Travel
Apply NowDetails
US Bank

US Bank Altitude Reserve

50,000 points
~$750 value
Spend Required$4,500 in 3 months
Annual Fee$400
Base Rewards1x on all purchases
3x travel3x mobile wallet purchases
Apply NowDetails
Chase

Ink Business Unlimited

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Apply NowDetails
Chase

Ink Business Cash

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% office supply stores (up to $25k/yr)5% internet/cable/phone (up to $25k/yr)2% gas (up to $25k/yr)+1 more
Apply NowDetails
American Express

American Express Gold Card

60,000 points
~$720 value
Spend Required$6,000 in 6 months
Annual Fee$250
Base Rewards1x on all purchases
4x restaurants4x groceries (up to $25k/yr)3x flights
Apply NowDetails
Chase

United Explorer Card

60,000 miles
~$720 value
Spend Required$3,000 in 3 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x United2x dining2x hotels
Apply NowDetails
Barclays

AAdvantage Aviator Red

60,000 miles
~$720 value
Spend Required$1 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
2x American Airlines
Apply NowDetails
Chase

Southwest Rapid Rewards Priority

50,000 points
~$700 value
Spend Required$3,000 in 3 months
Annual Fee$149
Base Rewards1x on all purchases
3x Southwest2x local transit/commuting2x internet/cable/streaming
Apply NowDetails
Chase

Marriott Bonvoy Boundless

85,000 points
~$680 value
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Apply NowDetails
American Express

Hilton Honors Surpass Card

130,000 points
~$650 value
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Apply NowDetails
Citi

Citi Premier Card

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x restaurants3x supermarkets3x gas+2 more
Apply NowDetails
Bank of America

Bank of America Premium Rewards

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1.5x on all purchases
2x travel2x dining
Apply NowDetails
Chase

Marriott Bonvoy Bold

100,000 points
~$500 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Apply NowDetails
American Express

Hilton Honors Card

80,000 points
~$400 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Apply NowDetails
American Express

Blue Cash Preferred Card

$350
~$350 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Apply NowDetails
US Bank

US Bank Altitude Connect

20,000 points
~$300 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Apply NowDetails
Citi

Citi Custom Cash Card

20,000 points
~$200 value
Spend Required$1,500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
Apply NowDetails
Chase

Chase Freedom Unlimited

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
Apply NowDetails
Capital One

Capital One SavorOne

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Apply NowDetails
Chase

Chase Freedom Flex

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
Apply NowDetails
American Express

Blue Cash Everyday Card

$200
~$200 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
Apply NowDetails
Citi

Citi Double Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
Apply NowDetails
Capital One

Capital One Quicksilver

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Apply NowDetails
Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Apply NowDetails
Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Apply NowDetails
Wells Fargo

Wells Fargo Active Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases
Apply NowDetails
Discover

Discover it Miles

Cashback Match
~$200 value
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1.5x on all purchases
Apply NowDetails
Discover

Discover it Cash Back

Cashback Match
~$150 value
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly, up to $1,500)
Apply NowDetails

Frequently Asked Questions

What credit card has the highest sign-up bonus right now?

The highest bonus values change frequently. Premium travel cards like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X typically offer the largest bonuses — often $750 to $1,500+ in value. Business cards like the Chase Ink Business Preferred also consistently rank among the highest.

Are the highest bonus cards worth the annual fee?

Usually yes, at least for the first year. Even a $695 annual fee card with a $1,500 bonus gives you $800+ in net value the first year. Many people open premium cards for the bonus and downgrade to a no-fee card after year one to avoid the renewal fee.

How are bonus values calculated?

We estimate bonus values using standard point/mile valuations: Chase Ultimate Rewards at 1.5 cents/point, Amex Membership Rewards at 1.5 cents, airline miles at 1.2–1.5 cents, and cash back at face value. Actual redemption value depends on how you use your points.

Can I get multiple sign-up bonuses?

Yes, this is called credit card churning. Most issuers allow you to earn bonuses on different cards within their family. Some restrict bonuses on the same card to once every 24-48 months. Chase's 5/24 rule limits you to 5 new cards in 24 months across all issuers.