Credit Cards for Sign-up Bonuses

Many reward credit cards offer a welcome bonus as an incentive to attract new cardholders and reward them for starting to use the new card. The welcome bonus is also known by the name of a sign-up bonus or introductory offer and can be in the form of cash, points, miles, or extra cash-back rewards during the introductory period. It is one of the special credit card perks you may not want to miss when shopping for a new credit card!

Typically, to earn a welcome bonus, you need to spend a certain amount of money using your new card within the first few months after opening the account. To benefit from the introductory offer, make sure you carefully read the welcome bonus requirements and understand them. If you don’t meet the spending amount within the required time frame, you will not be qualified and will not earn the offer.

To get most of the sign-up bonus, take into account your lifestyle and living preferences, as different credit cards may offer substantially different bonuses. If you are a shopper, then the cash-back welcome offer might be the best option for you. If you are a frequent traveler, then consider welcome offers that come in the form of airline miles or hotel points. Usually, miles and points can be redeemed toward travel-related expenses such as a plane ticket or a hotel stay.

Before opening the credit card with the welcome bonus, you absolutely need to consider your budget, the credit card’s introductory and regular APR, as well as your expected debt payoff time. If you cannot afford to meet the spending amount or pay the debt reasonably fast, you might not fully benefit from the introductory offer or will not earn the bonus at all.

Here’s our list of the top credit cards with the best welcome bonuses to help you maximize the rewards.

The Best Credit Cards

  • Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
  • Marriott Bonvoy Bold®: no-annual-fee card for frequent Marriott guests, offering up to 14x total point at Marriott properties + sign-up bonus, and standout travel protections.
  • United Gateway℠: no-annual-fee card for United Airlines double miles and inflight discounts.
  • Business Advantage Travel Rewards: best business card for Bank of America Preferred Rewards members and unlimited 1.5x points
  • One Key™: best no-annual-fee card for booking on Expedia, Hotels.com, and Vrbo.

Freedom Unlimited®

Apply now

On Chase's Secure Website

Freedom Unlimited®
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.99% - 28.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

  • Cashback: Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstore purchases and dining at restaurants, 1.5% cashback on all other purchases.
  • Lyft: Earn 5% on qualifying Lyft rides through March 31, 2025.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of the amount of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.99% – 28.74% applies to purchases and balance transfers.
  • Redeem Your Rewards: For cash, travel, gift cards, purchases, and more. Cashback rewards do not expire.
  • DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Travel Benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, and Travel and Emergency Assistance Services.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the warranty period by one additional year on eligible warranties of three years or less.
  • Additional features: Zero liability protection, 24/7 fraud monitoring, free credit score and identity restoration with Chase Credit Journey, digital wallet technology, and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Chase Freedom Unlimited® is a versatile cashback credit card offering unlimited 1.5% cashback on all purchases and extra cashback on travel, drugstores, and dining. With a generous welcome bonus, valuable purchase protection benefits, 0% APR intro offers, and a straightforward rewards structure, it's perfect for maximizing your rewards potential while keeping things simple.

Marriott Bonvoy Bold®

Apply now

On Chase's Secure Website

Marriott Bonvoy Bold®
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 14x total points at Marriott: 3x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, up to 10x points as a Marriott Bonvoy® member, and 1x points with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember. Earn 2x points for every $1 at grocery stores, on rideshares and select food delivery, select streaming services, and internet, cable, and phone services. Earn 1x points for every $1 spent on all other purchases.

1x - 3x Points

Welcome Offer Earn 60,000 bonus points plus 1 free night award (valued up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening.

60,000 Points + 1 Free Night Award

Welcome Offer

Earn 60,000 bonus points + 1 free night award (valued up to 50,000 points) after spending $2,000 in the first three months.

Rewards

  • Up to 14x Points on Marriott Stays: 3x points for every $1 spent with the Marriott Bonvoy Bold® Card + up to 10x points as a Marriott Bonvoy® member + 1x point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember.
  • 2x Points on Select Categories:
    • 2x Points on Grocery Stores.
    • 2x Points on Rideshare and Select Food Delivery.
    • 2x Points on Select Streaming Services.
    • 2x Points on Internet, Cable, and Phone Services.
  • 1x Points on All Other Purchases.

Partner Benefits

DoorDash: Enjoy a free year of DashPass. Activate by December 31, 2024. Afterward, enrollment continues at the standard rate.

Elite Hotel Status

  • Automatic Silver Elite Status with Marriott Bonvoy®: Enjoy automatic Silver Elite Status with benefits like priority late checkout (where available) and 10% more points on stays at participating Marriott Bonvoy® hotels. Status renews every account anniversary year.
  • Elite Night Credits: Receive 5 elite night credits every calendar year, helping you work toward higher status tiers.

Redemption Options

Redeem points for free nights at Marriott hotels, flights, experiences and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 20.99% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings using your Marriott Bonvoy Credit card.
  • Other Travel Benefits: Includes Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance, Roadside Dispatch, and Auto Rental Collision Damage Waiver.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, 24/7 customer service, emergency cash replacement, lost/stolen card reporting, personalized account alerts, Credit Journey, embedded chip for enhanced security, digital wallet, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Marriott Bonvoy Bold® card is perfect for frequent Marriott guests who want to maximize rewards without paying an annual fee. It stands out for its welcome offer, high earning rates at Marriott properties, offering Elite Status benefits and useful travel perks. Additionally, it provides 2x points for everyday spending. While it may still be outperformed by other cards in specific categories like dining, it offers unique advantages for Marriott loyalists and those who frequently spend in these specific areas. The card also includes purchase protection, extended warranty, and no foreign transaction fees, making it a solid choice for shoppers and travelers.

Southwest Rapid Rewards® Performance Business

Apply now

On Chase's Secure Website

Southwest Rapid Rewards® Performance Business
4.7

Annual fee:
$199

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4x points per $1 spent on Southwest Airlines® purchases. Earn 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases. Earn 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 2x points per $1 spent on local transit and commuting, including ride-share services. Earn 1x point per $1 spent on everyday purchases.

1x - 4x Points

Welcome Offer Earn 80,000 after spending $5,000 in the first 3 months.

80,000 Points

  • Welcome offer: Earn 80,000 after spending $5,000 in the first 3 months.
  • Earn 4x points per $1 spent on Southwest Airlines® purchases.
  • Earn 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases.
  • Earn 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services.
  • Earn 2x points per $1 spent on local transit and commuting, including ride share services.
  • Earn 1x point per $1 spent on everyday purchases.
  • Annual fee: $199.
  • No foreign transaction fees.
  • Redeem points: For flights, hotel stays, car rentals, shopping, and more.
  • Anniversary points: Receive 9,000 bonus points each year after your cardmember anniversary.
  • Upgraded boardings: Get 4 upgraded boardings per year when available.
  • Inflight WiFi credits: Receive inflight WiFi credits as statement credits for WiFi purchases on Southwest® aircraft, up to 365 $8 credits per year.
  • Tier qualifying points (TQPs): Earn unlimited tier qualifying points (TQPs) with 1,500 TQPs for every $5,000 spent.
  • Fee credit for points transfers: $500 fee credit per year for points transfers.
  • Companion pass boost: Get a boost of 10,000 Companion Pass® qualifying points every year.
  • Global Entry/TSA PreCheck®/NEXUS fee credit: Receive a statement credit of up to $100 every four years for the application fee for Global Entry, TSA PreCheck® or NEXUS.
  • Employee cards: Get employee cards at no additional cost.
  • DoorDash: Enjoy a one-year complimentary DashPass. After that, you are automatically enrolled at the current monthly rate. Activate by December 31, 2024.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, Roadside Dispatch, Baggage Delay Insurance, and Travel Accident Insurance.
  • Contactless checkout: Provides convenient and secure contactless checkout options.
  • Regular APR: 20.99% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Southwest Rapid Rewards® Performance Business Card is perfect for business owners with higher spending and frequent Southwest Airlines travelers who want to maximize their travel benefits and earn the highest possible rewards. This card offers high rewards on Southwest Airlines and other travel purchases, as well as select business expenses. With a generous welcome bonus and standout travel benefits and perks, this card is ideal for those who want to enhance their travel experience and earn valuable rewards.

Iberia Visa Signature®

Apply now

On Chase's Secure Website

Iberia Visa Signature®
4.3

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3 Avios per $1 spent on Iberia, British Airways, and Aer Lingus flight purchases. Earn 2 Avios per $1 spent on hotels. Earn 1 Avios per $1 spent on all other purchases.

1x - 3x Avios Points

Welcome Offer Earn 85,000 Avios points after spending $5,000 within the first 3 months of account opening.

85,000 Avios points

  • Welcome Offer: Earn 85,000 Avios points after spending $5,000 within the first 3 months of account opening.
  • 3x Avios: Earn 3 Avios per $1 spent on Iberia, British Airways, and Aer Lingus flight purchases.
  • 2x Avios: Earn 2 Avios per $1 spent on hotels.
  • 1x Avios: Earn 1 Avios per $1 spent on all other purchases.
  • Annual Fee: $95.
  • Foreign Transaction Fee: None.
  • Redeem Avios: Use Avios for flights on Iberia and its airline partners, flight upgrades, hotel stays, car rental, and more. Avios will not expire as long as you remain an active member in the Iberia Plus Program for 36 consecutive months.
  • 10% Discount on Iberia Flights: Receive 10% off Iberia flights.
  • $1,000 Airfare Discount Voucher Each Calendar Year: Earn a $1,000 discount voucher each calendar year when you spend $30,000 on your card, which can be used toward two tickets on the same Iberia flight.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Baggage Delay Insurance and Lost Luggage Reimbursement.
  • DoorDash: Enjoy complimentary DashPass membership from DoorDash for one year when you activate it by December 31, 2024.
  • Additional Features: Include digital wallets and contactless checkout.
  • Regular APR: 20.99% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Iberia Visa Signature® Card is an excellent choice for frequent Iberia travelers. It provides a substantial welcome bonus, offers 3 Avios per $1 spent on flights with Iberia, British Airways, and Aer Lingus, and includes exclusive benefits such as a 10% discount on airfare and a $1,000 airfare discount voucher. It’s particularly appealing for frequent Iberia fliers who want to maximize their travel rewards and enjoy valuable airline perks.

IHG One Rewards Premier

Apply now

On Chase's Secure Website

IHG One Rewards Premier
4.7

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5x points on travel, dining, and gas. Earn 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. That's up to 4 nights at IHG Hotels & Resorts.

140,000 Points

  • Welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. That’s up to 4 nights at IHG Hotels & Resorts.
  • Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
  • Earn 5x points on travel, dining, and gas.
  • Earn 3x points on all other purchases.
  • Discount on point purchases: Save 20% when purchasing points with your IHG One Rewards Premier credit card.
  • Annual fee: $99.
  • No foreign transaction fees.
  • Redeem your rewards: Use points for free nights at IHG® Hotels and Resorts, travel, and more. Get the fourth night free when redeeming points for a consecutive four-night stay at the same IHG® hotel. Points do not expire with IHG One Rewards program activity for 12 consecutive months.
  • Anniversary free night: Receive a free night at IHG® Hotels & Resorts (up to 40,000 points value) on each account anniversary.
  • $100 statement credit & 10,000 bonus points: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
  • Global Entry, TSA PreCheck® or NEXUS statement credit: Receive up to $100 statement credit every four years for Global Entry, TSA PreCheck®, or NEXUS application fee when charged to your card.
  • Up to $50 United® Airlines TravelBank Cash each year: Earn up to $50 in United® TravelBank Cash annually after registering your IHG One Rewards Premier credit card with your MileagePlus® account.
  • Elite status: Enjoy Platinum Elite Status as long as you remain an IHG One Rewards Premier cardmember.
  • Chase offers: Access deals through the Chase Mobile app and at chase.com with no coupons or registration required. Simply select an offer, add it to your card, and use it for purchases.
  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends eligible U.S. manufacturer warranties of three years or less by one additional year.
  • DoorDash: Get a complimentary one-year DashPass membership when you activate with the IHG One Rewards Premier card by December 31, 2024.
  • Add an authorized user at no cost.
  • Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, and Travel Accident Insurance.
  • Fraud protection: 24/7 fraud monitoring.
  • Regular APR: 20.99% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The IHG One Rewards Premier card offers a generous welcome bonus, complimentary Platinum Elite Status, and enhanced rewards on IHG® Hotels and Resorts, travel, dining, and gas, with 3x points on all other purchases. It provides competitive purchase and travel benefits, making it an excellent option for frequent IHG® travelers.

United Club℠ Infinite

Apply now

On Chase's Secure Website

United Club℠ Infinite
4.8

Annual fee:
$525

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 9x Miles on United Flights: 5x miles as a MileagePlus member and an additional 4x miles with the card. Earn 4x miles on all other United purchases. Ear 4x miles on hotels booked through United Hotels: 2x miles as a MileagePlus member and an additional 2x miles with the card. Earn 2x miles on all other travel and dining. Earn 1x mile on all other purchases.

1x - 4x Miles

Welcome Offer Earn 80,000 bonus miles after spending $5,000 in the first three months from account opening. Additionally, earn 5,000 bonus miles after adding an authorized user to your account within the first 3 months of your account opening.

80,000 Miles

  • Welcome Offer: Earn 80,000 bonus miles after spending $5,000 in the first three months from account opening.
  • 5,000 Bonus Miles for Authorized Users: Earn 5,000 bonus miles after adding an authorized user to your account within the first 3 months of your account opening.
  • 9x Miles on United Flights: Earn 5x miles on United flights as a MileagePlus member, plus an additional 4x miles with the United Club card.
  • 4x Miles on All Other United Purchases: Earn 4x miles on tickets, Economy Plus®, inflight food, beverages and Wi-Fi.
  • 4x Miles on Hotels Booked Through United Hotels: Earn 2x miles on hotels booked through United Hotels as a MileagePlus member, plus an additional 2x miles with the United Club card.
  • 2x Miles on All Other Travel: Earn 2x miles on airfare, trains, local transit, cruise lines, hotels, car rentals, taxis, resorts, ride-share services, and tolls.
  • 2x Miles on Dining: Earn 2x miles on eligible dining purchases, including delivery services.
  • 1x Mile on All Other Purchases.
  • Annual Fee: $525.
  • Foreign Transaction Fees: None.
  • Redeem Miles: Use miles for travel on United, upgrades, inflight Wi-Fi, hotel stays, car rentals, and more. MileagePlus miles do not expire.
  • United Club Membership: Enjoy complimentary United Club membership (up to $650 value per year). Relax with complimentary beverages, snacks, high-speed Wi-Fi, and more while waiting for your flight.
  • Free Checked Bags: Get the first and second checked bags free for you and a companion traveling on the same reservation (save up to $360 per round trip).
  • Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Receive up to $100 every four years as reimbursement for the application fee.
  • $75 IHG Statement Credit: Receive up to $75 in statement credits per calendar year for IHG® Hotels and Resorts purchases charged to your card in 2024.
  • Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
  • In-Flight and Lounge Discounts: Receive 25% back as a statement credit on premium drink purchases onboard United flights and in United Club lounges.
  • Premier Upgrades on Award Tickets: The primary Cardmember with MileagePlus® Premier® status and one companion on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights.
  • Platinum Elite Status in IHG One Rewards: Eligible for this exclusive status.
  • Avis President’s Club®: Enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service, and more.
  • Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
  • DashPass Membership: Get a one-year complimentary DashPass. After that, you will be automatically enrolled at the current monthly rate. Activate by December 31, 2024.
  • Premier Qualifying Points (PQP): Earn up to 10,000 PQP toward your MileagePlus Premier status. Earn 25 PQP for every $500 spent, up to 10,000 PQP per year.
  • 10% Discount on United Economy Saver Awards: Within the continental U.S. and Canada. Book award flights with 10% fewer miles as the primary Cardmember.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Return Protection: Reimburses for eligible items the store won’t take back within 90 days of purchase. Up to $500 per item, $1,000 per year.
  • Extended Warranty Protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel Benefits: Include Auto Rental Collision Damage Waiver (primary coverage), Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Infinite® Concierge Service: Complimentary 24/7 service, available 365 days a year, from home or abroad.
  • Additional Card Features: Include zero liability protection, fraud alerts, emergency card replacement, 24/7 customer service, digital wallets, and contactless checkout.
  • Regular APR: 21.49% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Chase United Club℠ Infinite Card is tailored for frequent United travelers seeking premium benefits and exclusive airport lounge access. It offers a generous sign-up bonus and the opportunity to earn up to 9x miles on United purchases. Cardholders enjoy complimentary United Club membership, which provides access to lounges, along with priority airport services, free checked bags for themselves and a companion, and reimbursement for Global Entry/TSA PreCheck®/NEXUS fees. The card also includes extensive purchase and travel protections, such as purchase protection, return protection, extended warranty coverage, and primary rental car insurance. With an annual fee of $525, it's ideal for those who will take full advantage of its broad range of benefits.

United Gateway℠

Apply now

On Chase's Secure Website

United Gateway℠
4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

21.49% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x MileagePlus miles on United purchases, gas, local transit and commuting, plus 1x mile on all other purchases.

1x - 2x Miles

Welcome Offer Earn 20,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.

20,000 Miles

  • Welcome offer: Earn 20,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.
  • 5,000 Bonus Miles for an Authorized User: Earn 5,000 bonus miles after adding an authorized user to your account within the first three months of account opening.
  • 7x Miles on United Flights: Earn 5x miles as a MileagePlus member and 2x miles with the United Gateway Card.
  • 3x Miles on Hotel Stays Booked Through United Hotels: Earn 2x miles as a MileagePlus member and 1x mile with the United Gateway Card.
  • 2x Miles on All Other United Purchases.
  • 2x Miles at Gas Stations.
  • 2x Miles on Local Transit and Commuting.
  • 1x Mile on All Other Purchases.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 21.49% - 28.49% applies to purchases and balance transfers.
  • Redeem Miles: Use your MileagePlus miles for travel on United or to enhance your travel with upgrades, inflight Wi-Fi, hotel stays, car rentals, and much more. MileagePlus miles do not expire.
  • 25% Back on United Inflight and Club Premium Drink Purchases: Receive 25% back as a statement credit on United inflight and Club premium drink purchases.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel Benefits: Include Auto Rental Collision Damage Waiver and Trip Cancellation and Interruption Insurance.
  • Luxury Hotel & Resort Collection: Receive complimentary Cardmember benefits at luxury hotels and resorts worldwide.
  • DoorDash: Get a one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After the first year, you will be automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • Exclusive Cardmember Events: Use miles or make purchases for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
  • Visa Concierge: Enjoy complimentary Visa Signature® Concierge Service 24/7.
  • Additional Features: Include digital wallets and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
The United Gateway℠ Card is ideal for occasional United Airlines travelers or those seeking a straightforward card with no annual fee. It offers several attractive benefits, including no foreign transaction fees, 2x miles on United purchases, gas stations, local transit, and commuting, a generous sign-up bonus, and 0% intro APR for the first 12 months on purchases. The card also provides valuable perks such as complimentary DoorDash DashPass for a year, 25% back on United inflight and Club premium drink purchases, and various purchase and travel protections. It's a solid choice for those seeking entry-level rewards without a high annual fee or complex requirements.

Business Advantage Travel Rewards

Apply now

On Bank of America's Secure Website

Business Advantage Travel Rewards
4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.99% - 27.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points per $1 spent on all purchases.

1.5x - 2.62x Points

Welcome Offer Earn 30,000 bonus points after spending $3,000 in the first 90 days from account opening.

30,000 Points

  • Welcome bonus: Earn 30,000 bonus points after spending $3,000 in the first 90 days from your account opening.
  • Unlimited points: Earn unlimited 1.5x points per $1 spent on all purchases.
  • Preferred Rewards: Eligible cardholders can earn up to 75% more points if they have a business checking account with Bank of America and qualify for the highest tier in the Preferred Rewards for Business program. This can increase the points rate to up to 2.62x points per $1 spent on every purchase.
  • No annual fee.
  • No foreign transaction fees.
  • 0% Intro APR on Purchases: For 9 months from account opening.
  • Balance Transfer Fees: 4% of each transfer amount.
  • Regular APR: After the introductory period, a variable APR of 17.99% - 27.99% applies to purchases and balance transfers.
  • Travel and emergency benefits: Includes travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
  • Purchase protections: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
  • Business Perks: Cash flow management tools and free access to business credit scores.
  • Redeem your rewards: Use points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back, or gift cards.
  • Additional features: Zero liability protection, fraud monitoring, overdraft protection, 24/7 customer service, and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Business Advantage Travel Rewards Card is perfect for small business owners who travel frequently and want to maximize their rewards. It offers a generous welcome bonus and unlimited 1.5x points per $1 spent on all purchases. For those in the highest tier of the Preferred Rewards for Business program, the points rate can increase to 2.62x points per $1 spent, making it highly rewarding. The card also features a 0% intro APR on purchases, purchase protections, business tools, and travel benefits. With no annual fee and no foreign transaction fees, it's a cost-effective choice for businesses that operate internationally. This card stands out for its high earning potential, low costs, and extensive benefits, making it an excellent choice for small business owners.

One Key+™

Apply now

On Wells Fargo's Secure Website

One Key+™
4.0

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 29.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 2% on all other purchases.

2% - 3% OneKeyCash

Welcome Offer Earn a $600 in OneKeyCash™ after spending $3,000 in the first 3 months.

$600 in OneKeyCash™

  • Welcome Offer: Earn a $600 in OneKeyCash™ after spending $3,000 in the first 3 months.
  • Up to 9% OneKeyCash on Expedia and Hotels.com: Earn 3% in OneKeyCash on Expedia and Hotels.com from this card. Plus, when booking VIP Access properties on Expedia or Hotels.com: Silver members earn 3%, Gold members earn 4%, and Platinum members earn 6%.
  • Up to 5% OneKeyCash on Vrbo: Earn 3% in OneKeyCash on Vrbo. Plus, when booking US properties on Vrbo, members of all tiers earn 2%.
  • 3% OneKeyCash: Earn 3% at gas stations, grocery stores, and on dining.
  • 2% OneKeyCash: Earn 2% on all other purchases.
  • Annual fee: $99.
  • Foreign Transaction Fee: None.
  • Redeem OneKeyCash: Use OneKeyCash for flights, hotels, short-term rentals, car rentals, or to pay for the partial or full cost of a ‘Pay Now’ activity and insurance.
  • Automatic Gold Status: With Gold Member Prices, get savings of 20% or more on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
  • $100 Anniversary Bonus: Get $100 in OneKeyCash each year.
  • Global Entry®/TSA PreCheck®: Receive one statement credit up to $100 for Global Entry® or TSA PreCheck®.
  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, Mastercard Global Service™, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Concierge Service, and Mastercard Golf.
  • Additional Features: Include Mastercard ID Theft Protection™.
  • Regular APR: 19.74% - 29.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is an excellent option for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and enhanced benefits such as a $100 anniversary bonus and TSA PreCheck application fee reimbursement, all for a $99 annual fee. This card is ideal for those who want additional perks and rewards for travel bookings and everyday spending, along with valuable protection and benefits.

One Key™

Apply now

On Wells Fargo's Secure Website

One Key™
4.3

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 29.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 1.5% on all other purchases.

1.5% - 3% OneKeyCash

Welcome Offer Earn a $400 in OneKeyCash™ after spending $1,000 in the first 3 months.

$400 in OneKeyCash™

  • Welcome Offer: Earn a $400 in OneKeyCash™ after spending $1,000 in the first 3 months.
  • Up to 9% OneKeyCash on Expedia and Hotels.com: Earn 3% in OneKeyCash on Expedia and Hotels.com from this card. Plus, when booking VIP Access properties on Expedia or Hotels.com: Silver members earn 3%, Gold members earn 4%, and Platinum members earn 6%.
  • Up to 5% OneKeyCash on Vrbo: Earn 3% in OneKeyCash on Vrbo. Plus, when booking US properties on Vrbo, members of all tiers earn 2%.
  • 3% OneKeyCash: Earn 3% at gas stations, grocery stores, and on dining.
  • 1.5% OneKeyCash: Earn 1.5% on all other purchases.
  • Annual fee: None.
  • Foreign Transaction Fee: None.
  • Redeem OneKeyCash: Use OneKeyCash for flights, hotels, short-term rentals, car rentals, or to pay for the partial or full cost of a ‘Pay Now’ activity and insurance.
  • Automatic Silver Status: With Silver Member Prices, get savings of 15% or more on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, Mastercard Global Service™, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Concierge Service, and Mastercard Golf.
  • Additional Features: Include Mastercard ID Theft Protection™.
  • Regular APR: 19.74% - 29.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is a great choice for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and a range of travel benefits and perks, all with no annual fee. This card is ideal for those who frequently book travel accommodations online and want to earn rewards while enjoying valuable protection and perks without an annual fee.




Top