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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 NOW

on Citi's secure website

Excellent, Good Credit

Bonus Credit Card Offer of February 2024

WITH ANNUAL HOTEL SAVINGS BENEFIT

Rating 4.4

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

    Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets

60,000 ThankYou® Points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Rewards

Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels

Earn 3 Points per $1 spent at Restaurants and Supermarkets

Earn 1 Point per $1 spent on all other purchases

Redemption Options

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

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

Foreign Transaction Fee: 0%

Winter 2024: 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® Miles - Credit-Land.com

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% 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: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. 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
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • 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 an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

our choice

Rewards Bonus

UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. 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

Redemption Options

Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

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

Ongoing APR:
17.24% - 28.24% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

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

Rating 4.4

APPLY NOW

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
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$95
  • Click "APPLY ONLINE" to apply now
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 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®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

our choice

75,000 Miles

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's 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 Wells Fargo Autograph℠ Card - Credit-Land.com

Rating 4.7

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Purchases
0% intro APR for 12 months from account opening
Intro APR on Balance Transfer
N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Rates & Fees

our choice

20,000 Points

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards

Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

Redemption Options

Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Rewards don't expire as long as the account is open

Intro APR on Purchases

Intro APR on Purchases:
0% intro APR for 12 months from account opening

Ongoing APR on Purchases:
20.24%, 25.24%, or 29.99% Variable APR

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% 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 for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Redemption Options

Redeem your rewards for cash at any time.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

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

Ongoing APR:
17.24% - 28.24% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.99%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
5%, min: $5
Annual Fee
$95
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 rewards nights at select Choice Hotels® properties.
  • Earn 10X points on stays at participating Choice Hotels properties.
  • Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $95 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
  • No Foreign Currency Conversion Fee.
  • Rates & Fees

our choice

60,000 Points

Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 rewards nights at select Choice Hotels® properties.

Rewards

Earn 10X points on stays at participating Choice Hotels properties.

Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.

Redemption Options

You can only redeem your points at Choice Privileges.µ

Members must remain active in the Choice Privileges® Rewards Program to retain the points they accumulate.µ

Foreign Transaction Fee: None

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

Rating 5.0

APPLY NOW

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
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies
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 Capital One's 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies

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 Capital One's 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 and Balance Transfers

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

Intro APR on Balance Transfers:
0% intro on balance transfers (for 15 months)

Ongoing APR:
19.99% - 29.99% (Variable)

Balance Transfer Fee:
Balance transfer fee applies

Apply for Wells Fargo Active Cash<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Purchases
0% intro APR for 15 months from account opening
Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Rates & Fees

our choice

$200 Cash Rewards

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

Rewards

Earn unlimited 2% cash rewards on purchases.

Redemption Options

Redeem rewards for purchases, credits to your account, gift cards and more.

Cash rewards don't expire as long as your account remains open

Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 15 months from account opening

Intro APR on Balance Transfers:
0% intro APR for 15 months from account opening on qualifying balance transfers

Ongoing APR:
20.24%, 25.24%, or 29.99% Variable APR

Balance Transfer Fee:
3% for 120 days from account opening, then up to 5%, min: $5

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

Rating 4.4

APPLY NOW

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
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$395
  • Click "APPLY ONLINE" to apply now
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 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
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

our choice

75,000 Miles

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Rewards

Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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

Earn unlimited 2X miles on all other purchases

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 earnµ

Foreign Transaction Fee: None

Apply for Choice Privileges<sup>®</sup> Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.5

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.99%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
5%, min: $5
Annual Fee
$0
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 rewards nights at select Choice Hotels® properties.
  • Earn 5X points on stays at participating Choice Hotels properties.
  • Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $0 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 10 Elite night credits qualifying for at least Gold level status each calendar year.
  • No Foreign Currency Conversion Fee.
  • Rates & Fees

our choice

40,000 Points

Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 rewards nights at select Choice Hotels® properties.

Rewards

Earn 5X points on stays at participating Choice Hotels properties.

Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.

Redemption Options

You can only redeem Your points at Choice Privileges.µ

Members must remain active in the Choice Privileges® Rewards Program to retain the points they accumulate.µ

Annual Fee: $0

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

Rating 4.4

APPLY NOW

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
21.24% - 29.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$95
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

    Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards 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

60,000 ThankYou® Points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Rewards

Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels

Earn 3 Points per $1 spent at Restaurants and Supermarkets

Earn 1 Point per $1 spent on all other purchases

Redemption Options

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

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

Foreign Transaction Fee: 0%

Apply for First Tech Platinum Rewards Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.5

APPLY NOW

on First Tech's secure website

Excellent / Good / Fair Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.24% - 18.00% Variable APR
Balance Transfer Fee
None
Annual Fee
None
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

10,000 Points

Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening

Rewards

Earn 1 point for every $1 spent on everyday purchases

Redemption Options

Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

Points never expire while account is open and in good standing

Annual Fee: None

Apply for Ness Card - Credit-Land.com

Rating 4.1

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
No APR
Balance Transfer Fee
N/A
Annual Fee
$349
  • For a limited time, spend $6k on your Ness Card within the first 90 days and get 50K ($500 value) bonus points applied to your account.
  • Up to 20K Points ($200 Value) on healthy activity.
  • Use your card at health and wellness merchants to get up to $200 back in statement credits annually.
  • 5x points on all purchases at health & wellness merchants.
  • 2x points on purchases everywhere else.
  • Use your points on premium products, services, and experiences in our marketplace of 80+ rewards.
  • $2K+ in Credits with benefit partners.
  • Terms & Fees apply. The Ness Card is issued by The Bank of Missouri, pursuant to a license from Mastercard, and serviced by Ness Well Financial, LLC (NMLS #2406384).

our choice

50,000 Points

For a limited time, spend $6k on your Ness Card within the first 90 days and get 50K ($500 value) bonus points applied to your account.

Rewards

Up to 20K Points ($200 Value) on healthy activity.

Use your card at health and wellness merchants to get up to $200 back in statement credits annually.

5x points on all purchases at health & wellness merchants.

2x points on purchases everywhere else.

Redemption Options

Points are valid and redeemable via the App. Points have no cash, monetary, or other value and cannot be converted into any currency. Points may be redeemed for various rewards that we make available and that may change from time to time.

So long as your card account is open, your points will not expire.

0% APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
No APR

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

Rating 5.0

APPLY NOW

on Citi's secure website

Excellent, Good, Fair Credit

our choice

Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
19.24% - 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 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 19.24% - 29.24%, 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 cash back after you spend $1,500 on purchases in the first 6 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 your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ

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

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:
19.24% - 29.24% (Variable)

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

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

Rating 4.4

APPLY NOW

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
21.24% - 29.99% (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, and 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
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from 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, and 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

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from 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 packagesµ

Miles will not expire if you earn or redeem miles once every 24 monthsµ

Foreign Transaction Fee: 0%

Apply for First Tech Choice Rewards World Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.5

APPLY NOW

on First Tech's secure website

Excellent / Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.50% - 18.00% Variable APR
Balance Transfer Fee
None
Annual Fee
None
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

20,000 Points

Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card

Rewards

Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases

Redemption Options

Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash.

Your points never expire

Annual Fee: None

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

Rating 4.2

APPLY NOW

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
21.24% - 29.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$595
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 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
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from 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

our choice

70,000 American Airlines AAdvantage® bonus miles

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Rewards

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from 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 packagesµ

Miles will not expire if you earn or redeem miles once every 24 monthsµ

Foreign Transaction Fee: 0%

SHOW MORE CARDS

Discover it® Cash Back

Excellent/Good Credit
Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY NOW

on Discover's secure website

GREAT CREDIT CARD WITH BONUS
OF February 2024

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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.
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...

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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 your...

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NOT SURE WHICH CARD
TO CHOOSE?

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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🜂

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