Best Credit Card Sign-Up Bonus offers provide a fantastic way to quickly earn valuable rewards by using a new credit card. Travel credit cards, in particular, tend to offer the largest bonuses, helping you accumulate hundreds of dollars in rewards.
On the other hand, cash-back credit cards typically offer bonuses starting around $200, with some reaching even higher amounts. When evaluating credit cards, it’s important to assess the bonus value in relation to the card’s annual fee.
In this guide, we’ve curated the top 11 Best Credit Card Sign-Up Bonus offers and promotions for new cardholders in 2025 to help you earn the most from your credit card spending.
1. Chase Sapphire Preferred® Card
- Best For: Chase Ultimate Rewards® points
- Sign-Up Bonus: 100,000 points (worth $1,250 in travel)
- Annual Fee: $95
- How to Earn: Spend $5,000 within the first 3 months from account opening.
- Rewards Rate:
- 2x points on travel and dining.
- 1x points on all other purchases.
- 2x points on travel and dining.
Features & Benefits:
The Chase bank bonus offers are the one of the best credit card sign-up bonus rewards available, providing a whopping 100,000 points. When used for travel through the Chase Ultimate Rewards® portal, these points can be redeemed for $1,250 worth of travel. Moreover, points are transferable to over 10 travel partners like United and Hyatt for even better value.
Moreover, Chase High School Checking account offers an exciting opportunity to kickstart your financial journey with a $100 sign-up bonus.
Pros:
- Extremely high point bonus, ideal for travelers.
- Points can be used flexibly for travel, including transfers to airline and hotel partners.
- Low annual fee.
Cons:
- High spending requirement to earn the bonus.
- Points can be less valuable if redeemed for cash back instead of travel.
2. Capital One Venture Rewards Credit Card
- Best For: Capital One Miles
- Sign-Up Bonus: 75,000 miles + $250 travel credit using the referral link
- Annual Fee: $95
- How to Earn: Spend $4,000 within the first 3 months.
- Rewards Rate:
- 2x miles on every purchase.
Features & Benefits:
With this best credit card sign-up bonus, you can earn 75,000 miles and $250 in travel credit after meeting the minimum spending requirement. The miles earned with this Capital One promotions are versatile, as they can be used to erase travel expenses or transferred to one of 15+ travel partners, like JetBlue and Air Canada.
The $250 Capital One 360 Checking Bonus in 2025 is an excellent opportunity for new customers who sign-up using the Capital One promo code to earn extra referral bonus by simply opening a checking account.
Pros:
- Simple earning structure with 2x miles on all purchases.
- $250 travel credit for your first year.
- Miles are flexible for travel redemption.
Cons:
- Limited travel partners compared to other rewards cards.
- Travel credit can only be used on specific travel expenses.
3. Chase Freedom Unlimited®
- Best For: All-around cash back
- Sign-Up Bonus: $250
- Annual Fee: $0
- How to Earn: Spend $500 within the first 3 months.
- Rewards Rate:
- 5% on travel purchased through Chase Ultimate Rewards®
- 3% on dining and drugstore purchases
- 1.5% on all other purchases
- 5% on travel purchased through Chase Ultimate Rewards®
Features & Benefits:
The best credit card sign-up bonus for the Chase Freedom Unlimited® card is a $250 bonus after meeting the low spending requirement of $500. Sign-up using this referral link and you’ll also earn 5% cash back on travel, 3% on dining and drugstores, and 1.5% on all other purchases. Cash back can be redeemed for statement credits, gift cards, or travel.
Pros:
- No annual fee, making it great for beginners.
- The 5% cash back on travel purchased through Chase Ultimate Rewards®.
- 0% intro APR for 15 months.
Cons:
- The 1.5% cash back rate is not as high as some other cards.
- Limited to travel purchases made through Chase.
4. Wells Fargo Active Cash® Card
- Best For: Flat-rate cash back
- Sign-Up Bonus: $200
- Annual Fee: $0
- How to Earn: Spend $1,000 within the first 3 months.
- Rewards Rate:
- 2% cash back on every purchase
Features & Benefits:
This card provides the best credit card sign-up bonus for those looking for simple, consistent rewards. You’ll earn unlimited 2% cash back on all purchases. Plus, the card has no annual fee and offers 0% APR for 15 months on purchases and balance transfers.
Pros:
- Simple 2% cash back on all purchases.
- No annual fee.
- Introductory 0% APR for 15 months.
Cons:
- Limited rewards structure for those looking for bonus categories.
- Lower bonus value compared to some travel cards.
5. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Best For: American Airlines
- Sign-Up Bonus: 50,000 miles
- Annual Fee: $99 (waived for the first year)
- How to Earn: Spend $2,500 within the first 3 months.
- Rewards Rate:
- 2x miles on American Airlines purchases
- 1x miles on all other purchases
- 2x miles on American Airlines purchases
Features & Benefits:
This card offers the best credit card sign-up bonus for frequent American Airlines flyers. The 50,000-mile bonus can be used for free flights with American Airlines, plus you’ll receive benefits like a free checked bag and priority boarding on flights.
Pros:
- 2x miles on American Airlines purchases.
- First checked bag free and priority boarding benefits.
- Annual fee waived for the first year.
Cons:
- Higher annual fee after the first year.
- Only advantageous for American Airlines flyers.
6. American Express® Gold Card
- Best For: American Express Membership Rewards
- Sign-Up Bonus: 60,000 points
- Annual Fee: $325
- How to Earn: Spend $4,000 within the first 3 months.
- Rewards Rate:
- 4x points on restaurants (including takeout and delivery)
- 3x points on flights
- 1x points on all other purchases
- 4x points on restaurants (including takeout and delivery)
Features & Benefits:
The best credit card sign-up bonus here provides 60,000 Membership Rewards® points, which can be redeemed for travel, gift cards, or merchandise. This card is perfect for those who dine out frequently, as it offers 4x points at restaurants.
Pros:
- High points earning rate on dining and travel.
- $100 airline fee credit annually.
- No foreign transaction fees.
Cons:
- High annual fee.
- High spending requirement to earn the bonus.
7. Discover it® Cash Back
- Best For: Cash back match
- Sign-Up Bonus: Cashback Match™ – double your first-year earnings
- Annual Fee: $0
- How to Earn: Spend any amount and Discover will match the cash back you earn during your first year.
- Rewards Rate:
- 5% cash back on rotating categories (up to $1,500 each quarter)
- 1% cash back on all other purchases
- 5% cash back on rotating categories (up to $1,500 each quarter)
Features & Benefits:
Discover bank promotion offers one of the best credit card sign-up bonus deals with its Cashback Match™ program, doubling all cash back earned during the first year. You also get 5% cash back on rotating categories, which change every quarter.
Pros:
- No annual fee.
- 5% cash back on rotating categories after signing up by the link.
- Cashback Match™ program doubles your first-year rewards.
Cons:
- Rotating categories may require effort to keep track of.
- Limited to $1,500 per quarter for the 5% cash back.
8. Bank of America® Customized Cash Rewards Credit Card
- Best For: Adjustable 3% categories
- Sign-Up Bonus: $200
- Annual Fee: $0
- How to Earn: Spend $1,000 within the first 3 months.
- Rewards Rate:
- 3% cash back on a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement)
- 2% cash back at grocery stores and wholesale clubs
- 1% on all other purchases
- 3% cash back on a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement)
Features & Benefits:
Bank of America promotions provides the best credit card sign-up bonus for those looking for flexible cash-back options. The 3% category can be selected based on your spending habits, offering great earning potential.
Additionally, Bank of America is offering a $300 checking account bonus for new customers who open a personal checking account and meet specific requirements.
Pros:
- Flexible 3% category.
- No annual fee.
- Introductory 0% APR for 15 months.
Cons:
- Some categories may not align with everyone’s preferences.
- Lower cash back (1%) on non-bonus categories.
9. Hilton Honors American Express Surpass® Card
- Best For: Hilton Hotels
- Sign-Up Bonus: 130,000 points
- Annual Fee: $150
- How to Earn: Spend $4,000 within the first 3 months.
- Rewards Rate:
- 12x points at Hilton hotels
- 6x points at restaurants, supermarkets, and gas stations
- 3x points on all other purchases
- 12x points at Hilton hotels
Features & Benefits:
This card offers the best credit card sign-up bonus for Hilton lovers, providing 130,000 points when using this link. These points can be redeemed for free nights at Hilton properties.
Pros:
- Excellent rewards for Hilton hotel stays.
- Free Hilton Honors Gold status.
- High point earning potential.
Cons:
- High annual fee.
- Points are mainly valuable for Hilton stays.
10. Marriott Bonvoy Boundless® Credit Card
- Best For: Marriott Bonvoy Hotels
- Sign-Up Bonus: 3 Free Night Awards + 50,000 points
- Annual Fee: $95
- How to Earn: Spend $3,000 within the first 3 months.
- Rewards Rate:
- 6x points at Marriott hotels
- 2x points on all other purchases
- 6x points at Marriott hotels
Features & Benefits:
The best credit card sign-up bonus with Marriott is a combination of 3 free night awards and 50,000 points. Perfect for frequent Marriott guests, these rewards can be redeemed at over 7,000 Marriott properties worldwide.
Pros:
- Great for frequent Marriott guests.
- 6x points on Marriott hotel stays.
- Free night awards add significant value.
Cons:
- Limited redemption value outside of Marriott stays.
11. Delta SkyMiles® Reserve American Express Card
- Best For: Delta Air Lines
- Sign-Up Bonus: 70,000 miles
- Annual Fee: $650
- How to Earn: Spend $5,000 within the first 3 months.
- Rewards Rate:
- 3x miles on Delta purchases
- 1x miles on all other purchases
- 3x miles on Delta purchases
Features & Benefits:
This card offers the best credit card sign-up bonus for Delta Air Lines flyers. You earn 3x miles on Delta purchases and have access to Delta Sky Club lounges.
Basic Blue Cash Preferred Card Members are eligible to receive a $7 statement credit each month after a qualifying purchase is made on the Card Account online.
Pros:
- Priority boarding and free checked bags.
- Lounge access and Delta perks.
- High mileage earning rate for Delta purchases.
Cons:
- Extremely high annual fee.
- Not as beneficial for non-Delta purchases.
Conclusion: How to Choose the Best Credit Card Sign-Up Bonus
When choosing a credit card with a sign-up bonus, it’s essential to consider the value of the bonus relative to the spending requirement and the card’s annual fee. If you are a frequent traveler, a card with travel rewards like the Chase Sapphire Preferred® Card or the Capital One Venture Rewards Credit Card may offer the best value. However, if you prefer simplicity and cash back, cards like the Wells Fargo Active Cash® Card or the Chase Freedom Unlimited® could be better options. Always ensure that you can meet the spending requirement without overspending, and consider the long-term value of the rewards.
By taking advantage of these best credit card sign-up bonus offers, you can maximize your rewards and get the most out of your new credit card.