Sign up bonus credit cards

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CK Editors’ Tips††: Credit card sign-up bonuses can be one of the best ways to load up on rewards, but you’ll want to make sure the card also offers ongoing value.
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What to consider when choosing a credit card with a sign-up bonus
It’s always important to see if a credit card has a useful sign-up bonus, but it usually shouldn’t be your only reason to get a card. While these bonuses can help boost your rewards balances within a few short months of opening the card, there’s ultimately no substitute for ongoing value, especially when you’re paying an annual fee. Plus, you’ll want to make sure you’re not spending more than you can afford just to hit the threshold for earning the bonus.
How we picked the best credit card sign-up bonuses
Our list of the best credit card sign-up bonuses involves assessing the latest offers available from issuers and determining each bonus’s value via Credit Karma’s most recent estimated point valuations. We then check the list each month to determine if the bonuses are still active and relevant, and we add new top bonuses when appropriate. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Great for smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Rewards rate
    1x - 5x
    Points per dollar
  • Welcome bonus
    20,000
    Points
  • Editors' bonus estimate
    $306
  • Annual fee
    $0
Rewards rate

1x - 5x Points per dollar

Welcome bonus

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Editors' bonus estimate

$306

Annual fee

$0

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Rewards rate
    1% - 3%
    Cash back
  • Welcome bonus
    $200
  • Annual fee
    $0
Rewards rate

1% - 3% Cash back

Welcome bonus

Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening

Annual fee

$0

Great for travel rewards on a budget††
Great for travel rewards on a budget††

Bank of America® Travel Rewards credit card

  • Rewards rate
    1.5x
    Points per dollar
  • Welcome bonus
    25,000
    Points
  • Editors' bonus estimate
    $250
  • Annual fee
    $0
Rewards rate

1.5x Points per dollar

Welcome bonus

Earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening

Editors' bonus estimate

$250

Annual fee

$0

United℠ Business Card

  • Rewards rate
    1x - 2x
    Miles per dollar
  • Welcome bonus
    75,000
    Miles
  • Annual fee
    $0 introductory annual fee for the first year, then $99
Rewards rate

1x - 2x Miles per dollar

Welcome bonus

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Annual fee

$0 introductory annual fee for the first year, then $99

Discover it® Student chrome

  • Rewards rate
    1% - 2%
    Cash back
  • Annual fee
    $0
Rewards rate

1% - 2% Cash back

Annual fee

$0

Discover it® Student Cash Back

  • Rewards rate
    1% - 5%
    Cash back
  • Annual fee
    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Discover it® Cash Back

  • Rewards rate
    1% - 5%
    Cash back
  • Annual fee
    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Great for a more comfortable Hyatt stay††
Great for a more comfortable Hyatt stay††

World Of Hyatt Credit Card

  • Rewards rate
    2x - 9x
    Points per dollar
  • Welcome bonus
    Up to 60,000
    Points
  • Annual fee
    $95
Rewards rate

2x - 9x Points per dollar

Welcome bonus

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Annual fee

$95

Discover it® Miles

  • Rewards rate
    1.5x
    Miles per dollar
  • Annual fee
    $0
Rewards rate

1.5x Miles per dollar

Annual fee

$0

Citi Custom Cash℠ Card

  • Rewards rate
    1% - 5%
    Cash back
  • Welcome bonus
    $200
  • Annual fee
    $0
Rewards rate

1% - 5% Cash back

Welcome bonus

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee

$0

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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.