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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 December 2021

Unlimited Point Rewards

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

80,000 ThankYou® Points

Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

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

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

Foreign Transaction Fee: 0%

Winter 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 Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (14 months)
Intro APR on Balance Transfer
0% Intro APR (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)*
Annual Fee
$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.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

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.

Rewards

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.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (14 months)

Intro APR on Balance Transfers:
0% Intro APR (14 months)

Ongoing 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)*

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

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

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
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • 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. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • 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 ThankYou® Points

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

Rewards

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.

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Apply for Discover it® Miles - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (14 months)
Intro APR on Balance Transfer
10.99% Intro APR (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)*
Annual Fee
$0
  • 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

Rewards Bonus

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.

Rewards

Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

Redemption Options

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.

Redeem Miles to pay any part of your monthly bill, including your minimum payment.

Rewards never expire

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (14 months)

Ongoing APR on Purchases:
11.99% - 22.99% Variable APR

Apply for Capital One Venture Rewards Credit Card - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$95
  • 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 a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees

our choice

60,000 Miles

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

Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options

Earn unlimited 2X miles on every purchase, every day

Receive up to a $100 credit for Global Entry or TSA PreCheck®

Redemption Options

Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs

Miles won't expire for the life of the account and there's no limit to how many you can earn

Foreign Transaction Fee: None

Apply for Capital One VentureOne Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer
0% intro on balance transfers (for 15 months)
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • 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
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that

our choice

20,000 Miles

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Rewards

Earn unlimited 1.25X miles on every purchase, every day

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options

Redemption Options

Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs

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 on Purchases:
0% intro on purchases (for 15 months)

Ongoing APR on Purchases:
14.99% - 24.99% (Variable)

Apply for Citi Custom Cash<sup>SM</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

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
  • 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

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.

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. Also, earn unlimited 1% cash back on all other purchases.

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.

Your rewards will never expire as long as your account remains open.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
13.99% – 23.99% (Variable)

Balance Transfer Fee:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Apply for Capital One Venture X Rewards Credit Card - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.99% - 23.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$395
  • Click "APPLY ONLINE" to apply now
  • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
  • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get our best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
  • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

our choice

100,000 Miles

Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel

Rewards

Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get our best prices on thousands of options

Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases

Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year

Receive up to a $100 credit for Global Entry or TSA PreCheck®

Redemption Options

Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Miles won't expire for the life of the account and there's no limit to how many you can earn

Foreign Transaction Fee: None

Apply for CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 24.99% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$99, waived for first 12 months
  • 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

65,000 AAdvantage® miles

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Rewards

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

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

Miles will not expire if you earn or redeem miles once every 18 months

Foreign Transaction Fee: 0%

Apply for Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 24.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$99, waived for first 12 months
  • 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

50,000 AAdvantage® miles

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

Rewards

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

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

Miles will not expire if you earn or redeem miles once every 18 months

Foreign Transaction Fee: 0%

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

Rating 4.4

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$95
  • 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 ThankYou® Points

Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

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

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more

Points do not expire provided your account is active and in good standing

Foreign Transaction Fee: 0%

Apply for Aspiration Zero Credit Card - Credit-Land.com

Rating 4.1

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
11.65% to 21.45%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$60
  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions

our choice

$300 Cash Back

$300 cash back after the $3,000 min spend in the first 3 months of account opening1

Rewards

0.5% cash back on all purchases

1% cash back on all purchases every month carbon zero is reached

Redemption Options

Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for BlockFi Rewards Visa® Signature Credit Card - Credit-Land.com

Rating 4.3

APPLY

Excellent/Good Credit
This offer is not available in New York.

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
11.74 - 21.74%
Balance Transfer Fee
N/A
Annual Fee
$0
  • 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

$300 Bitcoin Rewards

Earn 3.5% bitcoin rewards on all purchases in the first 90 days of card ownership, up to $100 in bitcoin.

Rewards

Earn 1.5% back in bitcoin on every single purchase.

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.

Redemption Options

Automatically converted to Bitcoin

Rewards never expire

Annual Fee: $0

Apply for Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.1

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 24.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$450
  • 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

50,000 American Airlines AAdvantage® bonus miles

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

Rewards

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 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

Miles will not expire if you earn or redeem miles once every 18 months

Foreign Transaction Fee: 0%

Apply for American Airlines AAdvantage MileUp<sup>&#8480;</sup> Card - Credit-Land.com

Rating 4.2

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 24.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 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.

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10,000 American Airlines AAdvantage® bonus miles

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

Rewards

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

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

Miles will not expire if you earn or redeem miles once every 18 months

Annual Fee: $0

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Discover it® Cash Back

Excellent/Good Credit
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Rating 5.0

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GREAT CREDIT CARD WITH BONUS
OF December 2021

  • 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.
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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?

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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
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