Best credit card sign-up bonus offers of 2019

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We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

Here’s our take on the best credit card sign-up bonuses and welcome offers of 2019, which can be worth hundreds — or even thousands — of dollars.

We picked the cards with the best bonuses by calculating the total estimated dollar value for these offers: We multiplied the number of points you could earn from each card by the value of that reward program’s point or miles, as determined by Credit Karma’s point valuations.

It’s important to keep in mind that how much your points are worth depends on how you redeem the points. For example, you could theoretically get a higher point value if you use your hotel program points to redeem for hotel nights than for, say, cash back. But we can help you here with an idea about how much you could earn from each bonus, based on a specified redemption option.

Here are Credit Karma’s picks for the best credit card bonuses of 2019.


The World Of Hyatt Credit Card: $935 estimated value

From our partner

The World Of Hyatt Credit Card

From cardholders in the last year

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Here’s why: The World Of Hyatt Credit Card features a sign-up bonus that’s worth about $935 when redeemed for hotel stays, based on our estimated value of 1.87 cents per point.

  • Sign-up bonus: Up to 50,000 bonus points
  • Spending requirement: Up to $6,000 on purchases
  • How long you have to earn it: Three months and six months from account opening

To earn the full sign-up bonus for The World Of Hyatt Credit Card, you’ll need to spend $3,000 on purchases within the first 3 months your account is open to get the first 25,000 points, and then you’ll need to spend an additional $3,000 — totaling $6,000 — on purchases in the first six months your account is open to get the second 25,000 points.

The World Of Hyatt Credit Card comes with a $95 annual fee. You can receive one free night at a medium-tier Hyatt hotel or resort each year after your account anniversary simply for keeping the card open, along with a second award night if you spend at least $15,000 during your card account anniversary year.

Learn more about The World Of Hyatt Credit Card in our review.

Chase Sapphire Reserve®: $750 sign-up bonus value

From our partner

Chase Sapphire Reserve®

From cardholders in the last year

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Here’s why: Chase Sapphire Reserve® features a sign-up bonus worth $750 when redeemed for travel through Chase Ultimate Rewards, according to Chase.

  • Sign-up bonus: 50,000 bonus points
  • Spending requirement: $4,000 on purchases
  • How long you have to earn it: 3 months from account opening

The Chase Sapphire Reserve® comes with a $450 annual fee, which is partially offset by its $300 annual travel credit that’s given to you as reimbursement for travel purchases charged to your card each account anniversary year.

Check out our review of the Chase Sapphire Reserve® to see why we believe it’s the “Michael Jordan of credit cards.”

Chase Sapphire Preferred® Card: $750 sign-up bonus value

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Chase Sapphire Preferred® Card

From cardholders in the last year

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Here’s why: The Chase Sapphire Preferred® Card features a sign-up bonus that’s also worth $750 when redeemed for travel through Chase Ultimate Rewards, according to Chase.

  • Sign-up bonus: 60,000 bonus points
  • Spending requirement: $4,000 on purchases
  • How long you have to earn it: 3 months from account opening

So what’s the difference between the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card? Two big distinctions are that the Chase Sapphire Preferred® Card doesn’t offer a travel credit and has a $95 annual fee.

Take a look at our review of the Chase Sapphire Preferred® Card to learn more.

U.S. Bank Altitude™ Reserve Visa Infinite® Card: $750 sign-up bonus value

Here’s why: The U.S. Bank Altitude™ Reserve Visa Infinite® Card features a sign-up bonus worth $750 when you redeem it for travel, according to the card issuer.

  • Sign-up bonus: 50,000 points
  • Spending requirement: $4,500 on purchases
  • How long you have to earn it: 90 days from account opening

The U.S. Bank Altitude™ Reserve Visa Infinite® Card carries a $400 annual fee that’s partially offset by its annual statement credit — which can be up to $325 — that’s offered to reimburse for eligible travel purchases.

See why this is one of our favorite U.S. Bank credit cards.

Southwest Rapid Rewards® Priority Credit Card: $724 estimated value

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Here’s why: The Southwest Rapid Rewards® Priority Credit Card features a sign-up bonus that can be worth about $724 when redeemed for flights, based on our estimated value of 1.81 cents per point earned with this card.

  • Sign-up bonus: 40,000 points
  • Spending requirement: $1,000 on purchases
  • How long you have to earn it: 3 months after opening the account

To earn the sign-up bonus for the Southwest Rapid Rewards® Priority Credit Card, you’ll have to spend $1,000 on purchases in your first 3 months from account opening to get 40,000 points.

The Southwest Rapid Rewards® Priority Credit Card also comes with an annual $75 Southwest travel credit and 7,500 bonus points each year after your account anniversary, both of which can help offset the $149 annual fee.

Take a look at our review of the Southwest Rapid Rewards® Priority Credit Card to learn more.

Marriott Bonvoy Boundless™ Credit Card: $697 estimated value

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Here’s why: The Marriott Bonvoy Boundless™ Credit Card features a sign-up bonus worth about $697 when redeemed for hotel stays, based on our estimated value of 0.93 cents per point.

  • Sign-up bonus: 75,000 points
  • Spending requirement: $3,000 on purchases
  • How long you have to earn it: 3 months from account opening

The Marriott Bonvoy Boundless™ Credit Card comes with one free night award each year after your account anniversary, which can help you offset the card’s $95 annual fee.

Check out our review of the Marriott Bonvoy Boundless™ Credit Card to learn more.

Hilton Honors American Express Aspire Card: $645 estimated value

Here’s why: The Hilton Honors Aspire Card from American Express features a welcome offer worth about $645 when redeemed for hotel stays, based on our estimated valued of 0.43 cents per point.

  • Welcome offer: 150,000 Hilton Honors bonus points
  • Spending requirement: $4,000 on purchases
  • How long you have to earn it: 3 months from account opening

The Hilton Honors Aspire Card from American Express charges a steep $450 annual fee, but you’ll receive one free weekend night reward each year after your account anniversary simply for keeping your card open. You’ll also be eligible for up to $250 each year for airline fee credits and up to $250 each year in Hilton resort credits.

Take a look at our review of the Hilton Honors American Express Aspire Card to learn more.

Southwest Rapid Rewards® Premier Business Credit Card: $1,086 estimated value

Here’s why: The Southwest Rapid Rewards® Premier Business Credit Card features a sign-up bonus that can be worth around $1,086 when redeemed for flights, based on our estimated value of 1.81 cents per point.

  • Sign-up bonus: 60,000 points
  • Spending requirement: $3,000 on purchases
  • How long you have to earn it: 3 months after account opening

The Southwest Rapid Rewards® Premier Business Credit Card doesn’t offer a travel credit, but it does offer 6,000 bonus points each year after your account anniversary to help offset the $99 annual fee.

Ink Business Preferred℠ Credit Card: $1,000 sign-up bonus value

From our partner

Ink Business Preferred℠ Credit Card

From cardholders in the last year

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Here’s why: The Ink Business Preferred℠ Credit Card features a sign-up bonus worth $1,000 when you redeem your points for travel through Chase Ultimate Rewards, according to Chase.

  • Sign-up bonus: 80,000 bonus points
  • Spending requirement: $5,000 on purchases
  • How long you have to earn it: 3 months from account opening

Just know that the Ink Business Preferred℠ Credit Card carries a $95 annual fee, and no annual credit of any kind to offset that cost.

Take a look at our review of the Ink Business Preferred℠ Credit Card to learn more.


How to make the most of your credit card sign-up bonus or welcome offer

A sign-up bonus or welcome offer can be a valuable feature of rewards credit cards.

To take advantage of this feature, it’s important that you have a plan to earn the sign-up bonus or welcome offer before you apply for a credit card.

Here are a few things to keep in mind.

Don’t spend more than you can comfortably afford to pay back: If earning bonus points is important to you, make sure you apply only for credit cards that offer a sign-up bonus or welcome offer with a spending requirement you can afford as part of your regular spending habits.

Plan big purchases: If you have a big purchase coming up — one that you’d normally make anyway helps — you may want to put it on your new credit card, so it can help you meet the requirements of the bonus-points offer.

Keep track of time: Be mindful of the time frame in which you have to earn the sign-up bonus or welcome offer. Most credit cards on this list give you about three months to hit the spending requirement.

Remember, a credit card’s sign-up bonus or welcome offer is often a one-time thing, so before you apply, make sure there are other features that make the card worth using afterward.