Best Credit Card Welcome Bonuses (2026)
Every welcome offer in our card catalog — points bonuses at Amex, Chase and Citi, cash bonuses at Capital One and Wells Fargo — sorted with the biggest first. Each card name links to its own page with the full rate table, fee break-even and credits.
Offers shown are as of our last catalog update: October 5, 2026. Welcome offers change often and can end without notice, so confirm the current terms, the spending requirement and any eligibility rules with the issuer before you apply.
Personal card welcome bonuses
The largest first. “Spend” is what you have to put on the card, and within what period, to earn the bonus.
| Card | Issuer | Welcome bonus | Currency | Annual fee | Spend requirement |
|---|---|---|---|---|---|
| IHG One Rewards Premier Select | Chase | 200,000 points | IHG One Rewards | $350 | $5,000 in 3 months |
| Marriott Bonvoy Brilliant Card | American Express | 185,000 points | Marriott Bonvoy Points | $650 | $6,000 in 3 months |
| IHG One Rewards Premier | Chase | 180,000 points | IHG One Rewards | $150 | $3,000 in 3 months |
| American Express Platinum | American Express | 100,000–175,000 points | Amex Membership Rewards | $895 | $12,000 in 6 months |
| Hilton Honors Aspire Card | American Express | 175,000 points | Hilton Honors Points | $550 | $4,000 in 3 months |
| Marriott Bonvoy Boundless Card | Chase | 150,000 points | Marriott Bonvoy Points | $95 | $3,000 in 3 months |
| Marriott Bonvoy Bevy Card | American Express | 85,000–135,000 points | Marriott Bonvoy Points | $250 | $4,000 in 3 months |
| Hilton Honors Surpass Card | American Express | 130,000 points | Hilton Honors Points | $150 | $3,000 in 3 months |
| Citi AAdvantage Executive World Legend | Citi | 125,000 points | American Airlines AAdvantage | $695 | $15,000 in 5 months |
| IHG One Rewards | Chase | 125,000 points | IHG One Rewards | None | $2,000 in 3 months |
| American Express Gold | American Express | 60,000–100,000 points | Amex Membership Rewards | $325 | $4,000 in 6 months |
| Chase Sapphire Reserve | Chase | 100,000 points | Chase Ultimate Rewards | $795 | $6,000 in 3 months |
| Citi Strata Elite | Citi | 80,000–100,000 points | Citi ThankYou | $595 | $4,000 in 3 months |
| Delta SkyMiles Platinum | American Express | 80,000–100,000 points | Delta SkyMiles | $350 | $3,000 in 3 months |
| Delta SkyMiles Reserve | American Express | 70,000–100,000 points | Delta SkyMiles | $650 | $5,000 in 6 months |
| Hilton Honors Card | American Express | 100,000 points | Hilton Honors Points | None | $2,000 in 3 months |
| United Club Infinite | Chase | 90,000–100,000 points | United MileagePlus | $695 | $5,000 in 3 months |
| JetBlue Premier World Elite Mastercard | Barclays | 90,000 points | JetBlue TrueBlue | $499 | $5,000 in 3 months |
| United Quest Card | Chase | 80,000–90,000 points | United MileagePlus | $350 | $4,000 in 3 months |
| Marriott Bonvoy Bountiful Card | Chase | 85,000 points | Marriott Bonvoy Points | $250 | $4,000 in 3 months |
| Citi AAdvantage Platinum Select World Elite | Citi | 80,000 points | American Airlines AAdvantage | $99 | $3,500 in 4 months |
| Delta SkyMiles Gold | American Express | 50,000–80,000 points | Delta SkyMiles | $150 | $2,000 in 6 months |
| United Explorer Card | Chase | 70,000–80,000 points | United MileagePlus | $150 | $3,000 in 3 months |
| Capital One Venture | Capital One | 75,000 points | Capital One Miles | $95 | $4,000 in 3 months |
| Capital One Venture X | Capital One | 75,000 points | Capital One Miles | $395 | $4,000 in 3 months |
| Chase Sapphire Preferred | Chase | 75,000 points | Chase Ultimate Rewards | $95 | $5,000 in 3 months |
| Atmos Rewards Summit Visa Infinite Card | Bank of America | 70,000 points | Atmos Rewards Points | $395 | $3,000 in 3 months |
| Hawaiian Airlines World Elite Card | Barclays | 60,000–70,000 points | Atmos Rewards Points | $99 | $2,000 in 3 months |
| JetBlue Plus Card | Barclays | 70,000 points | JetBlue TrueBlue | $99 | $1,000 in 3 months |
| Lufthansa Miles & More World Elite Mastercard | Barclays | 70,000 points | Miles & More | $89 | $4,000 in 3 months |
| Bank of America Premium Rewards | Bank of America | 60,000 points | Bank of America Points | $95 | $4,000 in 3 months |
| Citi Strata Premier | Citi | 60,000 points | Citi ThankYou | $95 | $4,000 in 3 months |
| Southwest Rapid Rewards Priority | Chase | 60,000 points | Southwest Rapid Rewards | $229 | $2,000 in 3 months |
| Wells Fargo Autograph Journey | Wells Fargo | 60,000 points | Wells Fargo Rewards | $95 | $4,000 in 3 months |
| World of Hyatt Card | Chase | 60,000 points | World of Hyatt Points | $95 | See issuer |
| Southwest Rapid Rewards Premier | Chase | 55,000 points | Southwest Rapid Rewards | $149 | $1,500 in 3 months |
| Atmos Rewards Ascent Visa Signature Card | Bank of America | 50,000 points | Atmos Rewards Points | $95 | $1,500 in 3 months |
| Bilt Palladium Card | Column N.A. | 50,000 points | Bilt Rewards | $495 | $4,000 in 3 months |
| Southwest Rapid Rewards Plus | Chase | 50,000 points | Southwest Rapid Rewards | $99 | $1,000 in 3 months |
| United Gateway Card | Chase | 40,000–50,000 points | United MileagePlus | None | $1,000 in 3 months |
| Marriott Bonvoy Bold Card | Chase | 45,000 points | Marriott Bonvoy Points | None | $1,000 in 3 months |
| Citi Strata | Citi | 30,000 points | Citi ThankYou | None | $1,500 in 3 months |
| Bank of America Travel Rewards | Bank of America | 25,000 points | Bank of America Points | None | $1,000 in 3 months |
| Capital One VentureOne | Capital One | 20,000 points | Capital One Miles | None | $500 in 3 months |
| Citi Double Cash | Citi | 20,000 points | Cash Back / ThankYou Points | None | $1,500 in 6 months |
| U.S. Bank Altitude Connect | U.S. Bank | 20,000 points | U.S. Bank Points | None | $2,000 in 3 months |
| Wells Fargo Autograph | Wells Fargo | 20,000 points | Wells Fargo Rewards | None | $1,000 in 3 months |
| Disney Inspire Visa | Chase | $200–$500 cash back | Disney Reward Dollars | $149 | $1,000 in 3 months |
| Chase Freedom Flex | Chase | $250 cash back | Chase Ultimate Rewards | None | $500 in 3 months |
| Bilt Obsidian Card (Dining) | Column N.A. | $200 cash back | Bilt Rewards | $95 | See issuer |
| Bilt Obsidian Card (Grocery) | Column N.A. | $200 cash back | Bilt Rewards | $95 | See issuer |
| Capital One Savor | Capital One | $200 cash back | Cash Back | None | $500 in 3 months |
| Chase Freedom Unlimited | Chase | $200 cash back | Cash Back | None | $500 in 3 months |
| U.S. Bank Cash+ | U.S. Bank | $200 cash back | U.S. Bank Cash Back | None | $1,000 in 3 months |
| Bilt Blue Card | Column N.A. | $100 cash back | Bilt Rewards | None | See issuer |
| Wells Fargo Active Cash | Wells Fargo | 100 points | Cash Back | None | $500 in 3 months |
| Capital One Savor Student | Capital One | $50 cash back | Cash Back | None | $100 in 3 months |
| Capital One SavorOne | Capital One | See issuer | Cash Back | $39 | See issuer |
| Chase Freedom Rise | Chase | See issuer | Cash Back | None | See issuer |
| Costco Anywhere Visa Card by Citi | Citi | See issuer | Cash Back | None | See issuer |
| Delta SkyMiles Blue | American Express | See issuer | Delta SkyMiles | None | See issuer |
| Fidelity Rewards Visa | Fidelity/Elan | See issuer | Fidelity Rewards Points | None | See issuer |
| Robinhood Gold | Robinhood | See issuer | Cash Back | $50 | See issuer |
| Robinhood Platinum Card | Robinhood | See issuer | Cash Back | $695 | See issuer |
Business card welcome bonuses
Business cards don’t appear on your personal credit report at most issuers, but they usually need a qualifying business — even a side gig counts.
| Card | Issuer | Welcome bonus | Currency | Annual fee | Spend requirement |
|---|---|---|---|---|---|
| Amex Business Platinum Business | American Express | 150,000–300,000 points | Membership Rewards | $895 | $20,000 in 3 months |
| Amex Business Gold Business | American Express | 100,000–200,000 points | Membership Rewards | $375 | $15,000 in 3 months |
| Delta SkyMiles Reserve Business Business | American Express | 200,000 points | Delta SkyMiles | $650 | $20,000 in 6 months |
| IHG One Rewards Business Business | Chase | 190,000 points | IHG One Rewards | $200 | $5,000 in 3 months |
| Hilton Honors Business Card Business | American Express | 150,000–175,000 points | Hilton Honors Points | $195 | $3,000 in 3 months |
| Capital One Venture X Business Business | Capital One | 150,000 points | Capital One Miles | $395 | $30,000 in 3 months |
| Chase Sapphire Reserve for Business Business | Chase | 150,000 points | Chase Ultimate Rewards | $795 | $30,000 in 6 months |
| Marriott Bonvoy Business Card Business | American Express | 125,000 points | Marriott Bonvoy Points | $125 | $8,000 in 3 months |
| Capital One Venture Business Business | Capital One | 100,000 points | Capital One Miles | $95 | $10,000 in 3 months |
| Chase Ink Business Preferred Business | Chase | 100,000 points | Chase Ultimate Rewards | $95 | $8,000 in 3 months |
| Delta SkyMiles Platinum Business Business | American Express | 100,000 points | Delta SkyMiles | $350 | $8,000 in 6 months |
| United Business Card Business | Chase | 90,000–100,000 points | United MileagePlus Miles | $150 | $5,000 in 3 months |
| United Club Business Card Business | Chase | 90,000–100,000 points | United MileagePlus Miles | $695 | $5,000 in 3 months |
| Delta SkyMiles Gold Business Business | American Express | 90,000 points | Delta SkyMiles | $150 | $6,000 in 6 months |
| Southwest Rapid Rewards Performance Business Business | Chase | 80,000 points | Southwest Rapid Rewards | $299 | $5,000 in 3 months |
| Atmos Rewards Visa Signature Business Card Business | Bank of America | 70,000 points | Atmos Rewards Points | $95 | $4,000 in 3 months |
| World of Hyatt Business Card Business | Chase | 70,000 points | World of Hyatt Points | $199 | $7,000 in 3 months |
| Southwest Rapid Rewards Premier Business Business | Chase | 60,000 points | Southwest Rapid Rewards | $149 | $3,000 in 3 months |
| Capital One VentureOne Business Business | Capital One | 50,000 points | Capital One Miles | None | $4,500 in 3 months |
| Hawaiian Airlines Business Card Business | Barclays | 50,000 points | Atmos Rewards Points | $99 | $4,000 in 3 months |
| Amex Blue Business Plus Business | American Express | 15,000 points | Membership Rewards | None | $3,000 in 3 months |
| Capital One Spark Cash Plus Business | Capital One | 2,000–4,000 points | Cash Back | $150 | $30,000 in 3 months |
| Graphite Business Cash Unlimited Card Business | American Express | $1,500 cash back | Cash Back | $295 | $50,000 in 6 months |
| Capital One Spark Cash Business | Capital One | $1,000 cash back | Cash Back | $95 | $10,000 in 3 months |
| Chase Ink Business Premier Business | Chase | $1,000 cash back | Cash Back | $195 | $10,000 in 3 months |
| Capital One Spark Cash Select Business | Capital One | $750 cash back | Cash Back | None | $6,000 in 3 months |
| Chase Ink Business Cash Business | Chase | $750 cash back | Cash Back | None | $6,000 in 3 months |
| Chase Ink Business Unlimited Business | Chase | $750 cash back | Cash Back | None | $6,000 in 3 months |
| Amex Blue Business Cash Business | American Express | $250 cash back | Cash Back | None | $3,000 in 3 months |
| Business Green Rewards Card Business | American Express | See issuer | Membership Rewards | $95 | See issuer |
| Costco Anywhere Visa Business Card by Citi Business | Citi | See issuer | Cash Back | None | See issuer |
Put the bonus in context
A big welcome bonus is a one-off; the card you keep earns every year after. Run your own spending through the free calculator to see which card actually wins, and check active transfer bonuses before you redeem points.
About these welcome bonuses
- Every offer comes straight from our card catalog, which we check against issuer terms; the “as of” date above is the catalog’s latest update, not a live feed.
- Issuers change welcome offers without notice, and the offer you see can depend on how you apply, your credit history and whether you’ve held the card before. Amex and Chase, for example, apply once-per-lifetime and 5/24-style rules.
- Bonus values are points or cash as the issuer publishes them; we don’t inflate them with an estimated valuation on this page. Card pages value points at each program’s transferable-points rate.
- “See issuer” means the catalog doesn’t have a confirmed figure yet — we leave it blank rather than guess.