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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Best Credit Cards with Spend Bonus from Our Partners

A sign-up bonus is something we want to get with our new credit card, especially if it is a travel credit card. Today applying for a credit card without a one-time offer is a waste of time. Oftentimes we actually apply for a credit card only to grab that limited time offer, which is so generous that can't be resisted. When you chase bonuses, you should be very attentive and keep track of the new credit card offers. Most lucrative offers don't last long and there always is a condition you should meet in order to qualify for that offer.

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Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

Bonus Credit Card Offer of October 2021

with Annual Hotel Savings Benefit

Rating 4.4

  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels

our choice

80,000
Bonus
ThankYou® Points
Bonus Offer
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 Point per $1 spent on all other purchases
Max. Rewards
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Rewards expiration
Points do not expire provided your account is active and in good standing
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Regular APR
15.99% - 23.99% (Variable)
Late Payment Fee
Up to $40

Autumn 2021: Credit Cards with Welcome Offers

Getting a travel credit card with a sign-up bonus is a no-brainer. Bonus offers on travel cards can be enough for a round-trip domestic airline ticket, and if you plan your travel far in advance, you may have enough time to earn rewards for a trip to Europe. Plus, the majority of travel cards have no foreign transaction fees, so you can use such a card abroad without being slapped with hefty fees for transactions in a foreign currency.

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Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Rating 5.0

  • FOR A LIMITED TIME, 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
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

20,000
Bonus
ThankYou® Points
Bonus Offer
FOR A LIMITED TIME, 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
Max. Rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Redemption Options
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
$0
Annual Fee
Annual Fee
$0
Regular APR
13.49% - 23.49% (Variable)
Late Payment Fee
Up to $40
Apply for Discover it® Cash Back - Credit-Land.com APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Rating 5.0

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

our choice

Match Rewards
at the End of
Your First Year
Bonus Offer
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
0% (14 months)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
No
Annual Fee & Foreign Transaction Fee
Annual Fee
$0
Foreign Transaction Fee
None
Late Payment Fee
None the first time you pay late. After that, up to $40.
Apply for Discover it® Miles - Credit-Land.com APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Rating 4.7

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.

our choice

Match Rewards
at the End of
Your First Year
Bonus Offer
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
0%
Intro APR on Purchases
Intro APR
0% Intro APR (14 months)
Regular APR
11.99% - 22.99% Variable APR
Annual Fee
$0
No
Annual Fee & Foreign Transaction Fee
Annual Fee
$0
Foreign Transaction Fee
None
Late Payment Fee
None the first time you pay late. After that, up to $40.
Apply for Capital One VentureOne Rewards Credit Card - Credit-Land.com APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Rating 4.7

  • Click "APPLY ONLINE" to apply now
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.99% - 24.99% variable APR after that

our choice

Great Rewards
Bonus Offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Max. Rewards
1.25 Miles per dollar on every purchase, every day
Rewards expiration
Miles won't expire for the life of the account and there's no limit to how many you can earn
0%
Intro APR on Purchases
Intro APR
0% intro on purchases (for 12 months)
Regular APR
14.99% - 24.99% (Variable)
Annual Fee
$0
No
Annual Fee & Foreign Transaction Fee
Annual Fee
$0
Foreign Transaction Fee
None
Late Payment Fee
Up to $40
Apply for Citi Custom Cash<sup>SM</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Rating 5.0

  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

our choice

$200
Cash Back Bonus
Bonus Offer
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.
Redemption Options
Redeem points for cash back as a direct deposit, a statement credit or check. Or explore other ways to redeem points at thankyou.com.
Rewards expiration
Your rewards will never expire as long as your account remains open.
Earn Up to
5%
Cash Back
Max. Rewards
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Rewards on everyday purchases
Earn unlimited 1% cash back on all other purchases.
Bonus Offer
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.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
Apply for Capital One Venture Rewards Credit Card - Credit-Land.com APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Rating 4.4

  • Click "APPLY ONLINE" to apply now
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

our choice

Great Reward Bonus
Bonus Offer
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Max. Rewards
2 Miles per dollar on every purchase, every day
Rewards expiration
Miles won't expire for the life of the account and there's no limit to how many you can earn
Travel
with Global Entry or TSA PreCheck
Global Entry/TSA Pre Credit
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Rewards on everyday purchases
2 Miles per dollar on every purchase, every day
Rewards expiration
Miles won't expire for the life of the account and there's no limit to how many you can earn
0%
Foreign Transaction Fee
Foreign Transaction Fee
None
Regular APR
15.99% - 23.99% (Variable)
Late Payment Fee
Up to $40

our choice

Rating 4.4

  • Designed for businesses
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • No Foreign Transaction Fees

our choice

Great Reward Bonus
Bonus Offer
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Max. Rewards
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases
Rewards expiration
Miles will not expire if you earn or redeem miles once every 18 months
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 AAdvantage® mile per $1 spent on other purchases
Redemption Options
Use your miles for award travel on American Airlines. Plus, redeem miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages
Rewards Transfer
See terms
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Regular APR
15.99% - 24.99% (Variable)
Late Payment Fee
$39

our choice

Rating 4.4

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

Great Reward Bonus
Bonus Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Max. Rewards
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Rewards expiration
Miles will not expire if you earn or redeem miles once every 18 months
Travel Perks
Rewards on Brand Purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Redemption Options
Use your miles for award travel on American Airlines. Plus, redeem miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages
Rewards expiration
Miles will not expire if you earn or redeem miles once every 18 months
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Regular APR
15.99% - 24.99% (Variable)
Late Payment Fee
Up to $40
Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.4

  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

our choice

80,000
Bonus
ThankYou® Points
Bonus Offer
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 Point per $1 spent on all other purchases
Max. Rewards
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Rewards expiration
Points do not expire provided your account is active and in good standing
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Regular APR
15.99% - 23.99% (Variable)
Late Payment Fee
Up to $40

our choice

Rating 4.3

  • Earn 1.5% back in bitcoin on every single purchase.
  • No annual fee. No foreign transaction fees
  • Introductory offer: Earn 3.5% bitcoin rewards on all purchases in the first 90 days of card ownership, up to $100 in bitcoin.
  • Know if you’re approved without affecting your credit score. A soft credit pull happens before you’ve accepted the credit card offer. A hard credit pull occurs when you’ve accepted your credit card offer, which can have an impact on your credit score.
  • Earn 2% back in bitcoin on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.

our choice

Great Rewards
Bonus Offer
Earn 3.5% bitcoin rewards on all purchases in the first 90 days of card ownership, up to $100 in bitcoin.
Max. Rewards
Earn 2% back in bitcoin on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.
Rewards expiration
Rewards never expire
APR on Purchases from
11.74%
Intro APR
N/A
Regular APR
11.74 - 21.74%
Annual Fee
$0
$0
Annual Fee
Annual Fee
$0
Regular APR
11.74 - 21.74%
Late Payment Fee
N/A
Apply for Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup> - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.1

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

Great Reward Bonus
Bonus Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Max. Rewards
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Rewards expiration
Miles will not expire if you earn or redeem miles once every 18 months
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 AAdvantage® mile for every $1 spent on other purchases
Redemption Options
Use your miles for award travel on American Airlines. Plus, redeem miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages
Rewards Transfer
See terms
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Regular APR
15.99% - 24.99% (Variable)
Late Payment Fee
Up to $40
Apply for American Airlines AAdvantage MileUp<sup>&#8480;</sup> Card - Credit-Land.com APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.2

  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

Great Reward Bonus
Bonus Offer
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Max. Rewards
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
Rewards expiration
Miles will not expire if you earn or redeem miles once every 18 months
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 AAdvantage® miles for every $1 spent on other purchases
Redemption Options
Use your miles for award travel on American Airlines. Plus, redeem miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages
Rewards Transfer
See terms
$0
Annual Fee
Annual Fee
$0
Regular APR
15.99% - 24.99% (Variable)
Late Payment Fee
Up to $40
SHOW MORE CARDS

Citi Rewards+® Card

Excellent, Good Credit
Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

GREAT CREDIT CARD WITH BONUS
OF October 2021

  • FOR A LIMITED TIME, 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
See more details

questionsABOUT
REWARDS CREDIT CARDS

If I get a credit card with a sign-up bonus, when will I get the bonus and how can I use it?

It depends on the credit card you get. If you get a general rewards credit card like the Citi Premier® Card (Citi is a Credit-Land.com advertising partner), you will have 3...

Read more
I have an excellent credit score that I've worked hard to earn and maintain. What kinds of cards are available to me, that reflect my great credit?

Congratulations on having a sky-high credit score. You must have made all your payments on time, kept your revolving balances low, had your credit cards for a long time, and utilized a mix of types of credit, such as a...

Read more
How to maximize credit card rewards?

Here are some tips that will help you maximize credit card rewards: Never pay an annual fee . This rule is extremely important for those who do not put a lot on a credit card. An annual fee may eat all or part of...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

dealing with SIGN-UP
BONUS

One may think that grabbing a credit card with the biggest sign-up bonus is all what you need when you are after promo offers. However, that's not that easy. You should think strategically and never miss the details, not mentioning the fine print. It is important to be sure you will be able to use earned bonus and it won't vanish to nowhere or stay unused forever.

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01. What is the value of a sign-up bonus?

Sign-up bonuses are given in the form of cash back, miles or points. While everything is clear with cash back rewards. Things may not be that easy with miles and point rewards. Mile rewards often work line cash back, meaning 1 mile is basically 1 cent. Point rewards are a bit tricky. One point may be worth more than 1 cent. Oftentimes a point is worth 1.25, 1.5, or even 2 cents. But that depends on redemption options that may vary with the credit card rewards program.

Now about the value. As a rule, one sign-up bonus should be enough for at least one-way domestic ticket. Travel credit cards usually have a fixed redemption rate where 100 miles equals to $1. Some cards may offer a better redemption ratio where 100 miles can be $1.25 dollars, but such offers are limited to travel redemptions and other redemptions may worth less than one dollar per 100 miles.

Everything is different with airline miles and here the value of miles can vary extremely with the dates on which you fly, season, ticket costs and destinations. However, some airlines require a fixed amount of miles for domestic and international flights in main cabin that do not vary with the airfare or season. So read the redemption conditions before you grab any offer.

02. How to spend sign-up bonus to max CPM?

Whether you earn points or miles rewards, with a travel rewards credit card, the best redemptions are offered when you redeem for travel or gift cards. When redeem for travel, airline tickets in particular, look for the cheapest flights to maximize CPM. Remember, you can use miles to erase all fees and taxes you've paid for the ticket.

If it is an airline credit card, then often the case redemptions for international flights are a better choice. However, remember that when you redeem airline miles, you will need to pay fees and taxes in cash, which may be extremely big and your award flight might not be cheaper than if you would pay with cash. Airlines may have portals where you can grab better deals, but in this case, you should be really flexible with the dates.

03. Can I lose a sign-up bonus?

Yes, it is possible in most cases. Usually, you have to spend a specific amount of money on purchases within a given period to qualify for a bonus points or bonus miles offer. Even if you spend the required amount, the issuer can take two or three months to post your bonus, and if returned payments or purchases that do not qualify appear, they will be deducted lowering your spendings and therefore, you may not qualify for the bonus offer.

Also, there are some other restrictions. For example, if you had had the card before and then canceled it, you may not qualify for a bonus offer in the future. If you have the card active now and want to apply for the same card just to grab that super generous promo offer, you won't get the bonus as well.

04. How to Calculate a Sign-up Bonus?

Basically, you do not have to calculate a sign-up bonus as you are already offered a fixed amount of bonus miles, bonus points or cash back bonus. But if the issuer does not offer a fixed bonus offer, and offers a mile match or cash back match, for example, then you should take your approximate credit card expenses for a year and multiply them by miles per dollar (or cash back) and double the result. The final amount will be your bonus.

commentsABOUT CREDIT CARDS
WITH SPEND BONUS

must read FEATURED NEWS
AND RELATED RESEARCH

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Oct 11, 2021

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Hyatt introduced the second co-branded credit card and it is the first Hyatt business credit card -...

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Citi Premier® Card - A World Elite Mastercard Travel Credit Card

Citi, a Credit-Land.com advertising partner, offers the Citi Premier® Card, which gives elevated...

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