If you haven’t evaluated your credit card portfolio lately, now is a great time to do so.
That’s because we regularly update this roundup to feature top welcome bonuses across cards that made the cut to be included in our best credit cards list. Earning new card bonuses is the fastest way to accumulate a stash of points and miles, so if you’re working on building up your credit card reward currency, it’s likely that one of the options below might be a good fit for you.
Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to time your application for when there’s a solid offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.
If you’re not ready to add a higher-end credit card, consider these great starter cards or even one with a 0% introductory annual percentage rate offer.
The best credit card offers of February 2026
| Card | Welcome offer | Welcome offer value* | Annual fee |
|---|---|---|---|
| <strong><a href=”https://thepointsguy.com/oc/7758?pid=7758&name=The%20Business%20Platinum%20Card%C2%AE%20from%20American%20Express&issuer=American%20Express” target=”_blank”>The Business Platinum Card® from American Express</a></strong> | <p data-pm-slice=”1 1 []”>Earn 200,000 bonus points after spending $20,000 on purchases in the first three months of card membership.</p> | $4,000 | $895 (see <a href=”/tc/7758?pid=7758&name=The%20Business%20Platinum%20Card%C2%AE%20from%20American%20Express&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/22504813?pid=22504813&name=American%20Express%20Platinum%20Card%C2%AE&issuer=American%20Express” target=”_blank”>American Express Platinum Card®</a></strong> | Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer.) | Up to $3,500 | $895 (see <a href=”/tc/22504813?pid=22504813&name=American%20Express%20Platinum%20Card%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/10965?pid=10965&name=Chase%20Sapphire%20Reserve%20for%20Business%E2%84%A0%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Reserve for Business℠</a> </strong>(see <a href=”/tc/10965?pid=10965&name=Chase%20Sapphire%20Reserve%20for%20Business%E2%84%A0%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 150,000 bonus points after spending $20,000 on purchases in the first three months from account opening. | $3,075 | $795 |
| <strong><a href=”https://thepointsguy.com/credit-cards/capital-one-venture-x-business/” target=”_blank” rel=”noopener”>Capital One Venture X Business</a></strong> | Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening. | $2,775 | $395 |
| <strong> <a href=”https://thepointsguy.com/oc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Reserve®</a> </strong>(see <a href=”/tc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening. | $2,563 | $795 |
| <strong><a href=”https://thepointsguy.com/oc/7763?pid=7763&name=American%20Express%C2%AE%20Business%20Gold%20Card&issuer=American%20Express” target=”_blank”>American Express® Business Gold Card</a></strong> | Earn 100,000 bonus points after spending $15,000 on purchases in the first three months of card membership. | $2,000 | $375 (see <a href=”/tc/7763?pid=7763&name=American%20Express%C2%AE%20Business%20Gold%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <a href=”https://thepointsguy.com/credit-cards/capital-one-spark-cash-plus/”><strong>Capital One Spark Cash Plus</strong></a> | Earn $2,000 cash back after spending $30,000 on purchases in the first three months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year. | $2,000 (with the ability to earn even more cash back depending on your spending) | $150 |
| <strong><a href=”https://thepointsguy.com/oc/6344?pid=6344&name=American%20Express%C2%AE%20Gold%20Card&issuer=American%20Express” target=”_blank”>American Express® Gold Card</a></strong> | <p class=”p1″>Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer.)</p> | Up to $2,000 | $325 (see <a href=”/tc/6344?pid=6344&name=American%20Express%C2%AE%20Gold%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/10977?pid=10977&name=Citi%20Strata%20Elite%E2%84%A0%20Card&issuer=Citi” target=”_blank”>Citi Strata Elite℠ Card</a> </strong>(see <a href=”/tc/10977?pid=10977&name=Citi%20Strata%20Elite%E2%84%A0%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | For a limited time, earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening. | $1,900 | $595 |
| <strong><a href=”https://thepointsguy.com/oc/6389?pid=6389&name=Marriott%20Bonvoy%20Boundless%C2%AE%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>Marriott Bonvoy Boundless® Credit Card</a></strong> (see <a href=”/tc/6389?pid=6389&name=Marriott%20Bonvoy%20Boundless%C2%AE%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)<strong><br> </strong> |
Earn five free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. (Certain hotels have resort fees.) Additionally, you can receive up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases. | Up to $1,850 (including the statement credits) | $95 |
| <strong><a href=”https://thepointsguy.com/credit-cards/capital-one-venture/” target=”_blank” rel=”noopener”>Capital One Venture Rewards Credit Card</a></strong> | Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. Plus, upon approval, you’ll receive a $250 Capital One Travel credit to use during your first year. | $1,638 (including the travel credit) | $95 |
| <p class=”p1″><strong><a href=”https://thepointsguy.com/oc/6573?pid=6573&name=Delta%20SkyMiles%C2%AE%20Reserve%20American%20Express%20Card&issuer=American%20Express” target=”_blank”>Delta SkyMiles® Reserve American Express Card</a></strong></p> | <p class=”p1″>Earn up to 125,000 bonus miles after meeting two spending thresholds:</p> <ul class=”ul1″> <li class=”li1″>Earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of card membership</li> <li class=”li1″>Plus, earn 25,000 bonus miles after spending an additional $3,000 on purchases in the first six months of card membership (for a total of $9,000 in spending to earn the entire bonus)</li> </ul> <p>Offer ends April 1.</p> |
<p class=”p1″>Up to $1,563</p> | $650 (see <a href=”/tc/6573?pid=6573&name=Delta%20SkyMiles%C2%AE%20Reserve%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <p class=”p1″><strong>[</strong><strong>applyLink</strong><strong> pid=”7840″ overridetext=”Delta SkyMiles® Reserve Business American Express Card”]</strong></p> | <p class=”p1″>Earn 125,000 bonus miles after spending $15,000 on purchases in the first six months of card membership.</p> <p>Offer ends April 1.</p> |
<p class=”p1″>$1,563</p> | $650 (see <a href=”/tc/7840?pid=7840&name=Delta%20SkyMiles%C2%AE%20Reserve%20Business%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/221410949?pid=221410949&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Executive%20World%20Elite%20Mastercard%C2%AE&issuer=Citi” target=”_blank”>Citi® / AAdvantage® Executive World Elite Mastercard®</a> </strong>(see <a href=”/tc/221410949?pid=221410949&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Executive%20World%20Elite%20Mastercard%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | For a limited time, earn 100,000 bonus miles after spending $10,000 on purchases in the first three months from account opening. | $1,550 | $595 |
| <strong><a href=”https://thepointsguy.com/oc/22125056?pid=22125056&name=Chase%20Sapphire%20Preferred%C2%AE%20Card%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Preferred® Card</a></strong> (see <a href=”/tc/22125056?pid=22125056&name=Chase%20Sapphire%20Preferred%C2%AE%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening. | $1,538 | $95 |
| <strong><a href=”https://thepointsguy.com/oc/6230?pid=6230&name=World%20of%20Hyatt%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>World of Hyatt Credit Card</a> </strong>(see <a href=”/tc/6230?pid=6230&name=World%20of%20Hyatt%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn up to five free nights: three free nights after spending $5,000 on purchases in the first three months from account opening, and two additional free nights after spending $15,000 on purchases in the first six months. (Free nights can be redeemed at any Category 1-4 Hyatt property.) | Up to $1,530 (if you can maximize each free night at 18,000 points) | $95 |
| <strong><a href=”https://thepointsguy.com/oc/10987?pid=10987&name=Atmos%E2%84%A2%20Rewards%20Summit%20Visa%20Infinite%C2%AE%20Credit%20Card&issuer=Bank%20of%20America” target=”_blank”>Atmos™ Rewards Summit Visa Infinite® Credit Card</a></strong> | Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 on purchases in the first 90 days from account opening. | Up to $1,523 (including the value of the Global Companion Award) | $395 |
| <strong><a href=”https://thepointsguy.com/oc/11038?pid=11038&name=Bilt%20Palladium%20Card&issuer=Bilt” target=”_blank”>Bilt Palladium Card</a> </strong>(see <a href=”/tc/11038?pid=11038&name=Bilt%20Palladium%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”>Earn 50,000 bonus points after making $4,000 in nonhousing purchases in the first three months from account opening. Plus, receive $300 in Bilt Cash upon approval.</div> </div> </div> </div> |
<div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”>Up to $1,400 (including Bilt Cash)</div> </div> </div> </div> |
$495 (see <a href=”/tc/11038?pid=11038&name=Bilt%20Palladium%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/11024?pid=11024&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Globe%E2%84%A2%20Mastercard%C2%AE&issuer=Citi” target=”_blank”>Citi® / AAdvantage® Globe™ Mastercard®</a> </strong>(see <a href=”/tc/11024?pid=11024&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Globe%E2%84%A2%20Mastercard%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>) <div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”></div> </div> </div> </div> |
<div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”>For a limited time, earn 90,000 bonus miles after spending $5,000 on purchases in the first four months from account opening.</div> </div> </div> </div> |
<div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”></div> </div> </div> </div> <p>$1,395</p> |
$350 |
| <a href=”https://thepointsguy.com/credit-cards/capital-one-venture-x-rewards-credit-card/”><strong>Capital One Venture X Rewards Credit Card</strong></a> | Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. | $1,388 | $395 |
| <strong><a href=”https://thepointsguy.com/oc/6874?pid=6874&name=United%E2%84%A0%20Business%20Card%20PID&issuer=Chase” target=”_blank”>United℠ Business Card</a> </strong>(see <a href=”/tc/6874?pid=6874&name=United%E2%84%A0%20Business%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 100,000 bonus miles and 2,000 Premier qualifying points after spending $5,000 on purchases in the first three months from account opening. | $1,300 (not including the value of the PQPs) | $150 |
| <p class=”p1″><strong><a href=”https://thepointsguy.com/oc/220310483?pid=220310483&name=Delta%20SkyMiles%C2%AE%20Platinum%20American%20Express%20Card&issuer=American%20Express” target=”_blank”>Delta SkyMiles® Platinum American Express Card</a></strong></p> | <p class=”p1″>Earn up to 100,000 bonus miles after meeting two spending thresholds:</p> <ul class=”ul1″> <li class=”li1″>Earn 80,000 bonus miles after spending $4,000 on purchases in the first six months of card membership</li> <li class=”li1″>Plus, earn 20,000 bonus miles after spending an additional $2,000 on purchases in the first six months of card membership (for a total of $6,000 in spending to earn the entire bonus)</li> </ul> <p>Offer ends April 1.</p> |
<p class=”p1″>Up to $1,250</p> | $350 (see <a href=”/tc/220310483?pid=220310483&name=Delta%20SkyMiles%C2%AE%20Platinum%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <p class=”p1″><strong><a href=”https://thepointsguy.com/oc/7839?pid=7839&name=Delta%20SkyMiles%C2%AE%20Platinum%20Business%20American%20Express%20Card&issuer=American%20Express” target=”_blank”>Delta SkyMiles® Platinum Bus</a></strong><a href=”https://thepointsguy.com/oc/7839?pid=7839&name=Delta%20SkyMiles%C2%AE%20Platinum%20Business%20American%20Express%20Card&issuer=American%20Express” target=”_blank”><strong>iness American Express Card</strong></a></p> | <p class=”p1″>Earn 100,000 bonus miles after spending $8,000 on purchases in the first six months of card membership.</p> <p>Offer ends April 1.</p> |
<p class=”p1″>$1,250</p> | $350 (see <a href=”/tc/7839?pid=7839&name=Delta%20SkyMiles%C2%AE%20Platinum%20Business%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/credit-cards/reviews/card-review-citiaadvantage-platinum-select/” target=”_blank” rel=”noopener”>Citi® / AAdvantage® Platinum Select® World Elite Mastercard®</a> </strong> | Fora limited time, earn 80,000 miles after spending $3,500 in the first four months of account opening. | $1,240 | $0 introductory annual fee for the first 12 months, then $99 thereafter |
| <strong><a href=”https://thepointsguy.com/oc/6976?pid=6976&name=United%20Club%E2%84%A0%20Card%20PID&issuer=Chase” target=”_blank”>United Club℠ Card</a> </strong>(see <a href=”/tc/6976?pid=6976&name=United%20Club%E2%84%A0%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening. | $1,170 | $695 |
| <strong><a href=”https://thepointsguy.com/oc/10652?pid=10652&name=Citi%20Strata%20Premier%C2%AE%20Card&issuer=Citi” target=”_blank”>Citi Strata Premier® Card</a> </strong>(see <a href=”/tc/10652?pid=10652&name=Citi%20Strata%20Premier%C2%AE%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,140 | $95 |
| <p class=”p1″><strong><a href=”https://thepointsguy.com/oc/22034414?pid=22034414&name=Delta%20SkyMiles%C2%AE%20Gold%20American%20Express%20Card&issuer=American%20Express” target=”_blank”>Delta SkyMiles® Gold American Express Card</a></strong></p> | <p class=”p1″>Earn up to 90,000 bonus miles after meeting two spending thresholds:</p> <ul class=”ul1″> <li class=”li1″>Earn 70,000 bonus miles after spending $3,000 on purchases in the first six months of card membership</li> <li class=”li1″>Plus, earn 20,000 bonus miles after spending an additional $2,000 on purchases in the first six months of card membership (for a total of $5,000 in spending to earn the entire bonus)</li> </ul> <p>Offer ends April 1.</p> |
Up to $1,125 | $0 introductory annual fee for the first year, then $150 thereafter (see <a href=”/tc/22034414?pid=22034414&name=Delta%20SkyMiles%C2%AE%20Gold%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <p class=”p1″><strong><a href=”https://thepointsguy.com/oc/undefined?pid=undefined&name=&issuer=” target=”_blank”>Delta SkyMiles® Gold Business American Express Card</a></strong></p> | <p class=”p1″>Earn 90,000 bonus miles after spending $6,000 on purchases in the first six months of card membership.</p> <p>Offer ends April 1.</p> |
$1,125 | $0 introductory annual fee for the first year, then $150 thereafter (see <a href=”/tc/7838?pid=7838&name=Delta%20SkyMiles%C2%AE%20Gold%20Business%20American%20Express%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) |
| <strong><a href=”https://thepointsguy.com/oc/6703?pid=6703&name=Southwest%C2%AE%20Rapid%20Rewards%C2%AE%20Performance%20Business%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>Southwest® Rapid Rewards® Performance Business Credit Card</a> </strong>(see <a href=”/tc/6703?pid=6703&name=Southwest%C2%AE%20Rapid%20Rewards%C2%AE%20Performance%20Business%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 80,000 bonus points after spending $5,000 on purchases in the first three months from account opening. | $1,080 | $299 |
| <strong><a href=”https://thepointsguy.com/oc/22129607?pid=22129607&name=British%20Airways%20Visa%20Signature%C2%AE%20Card%20PID&issuer=Chase” target=”_blank”>British Airways Visa Signature® Card</a> </strong>(see <a href=”/tc/22129607?pid=22129607&name=British%20Airways%20Visa%20Signature%C2%AE%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 75,000 bonus Avios after spending $5,000 on purchases in the first three months from account opening. | $1,050 | $95 |
| <strong><a href=”https://thepointsguy.com/oc/7752?pid=7752&name=United%20Quest%E2%84%A0%20Card%20PID&issuer=Chase” target=”_blank”>United Quest℠ Card PID</a> </strong>(see <a href=”/tc/7752?pid=7752&name=United%20Quest%E2%84%A0%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 80,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening. | $1,040 (not including the value of the PQPs) | $350 |
| <strong><a href=”https://thepointsguy.com/oc/8017?pid=8017&name=World%20of%20Hyatt%20Business%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>World of Hyatt Business Credit Card</a> </strong>(see <a href=”/tc/8017?pid=8017&name=World%20of%20Hyatt%20Business%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening. | $1,020 | $199 |
| <strong> <a href=”https://thepointsguy.com/oc/6951?pid=6951&name=Atmos%E2%84%A2%20Rewards%20Ascent%20Visa%20Signature%C2%AE%20credit%20card&issuer=Bank%20of%20America” target=”_blank”>Atmos™ Rewards Ascent Visa Signature® credit card</a></strong> | <p data-pm-slice=”1 1 []”>Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases within the first 90 days of opening your account.</p> | $1,015 | $95 |
| <strong> <a href=”https://thepointsguy.com/oc/6338?pid=6338&name=Atmos%E2%84%A2%20Rewards%20Visa%20Signature%C2%AE%20Business%20Card&issuer=Bank%20of%20America” target=”_blank”>Atmos™ Rewards Visa Signature® Business Card</a></strong> | Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 on purchases within the first 90 days of opening your account. | $1,015 | $70 for the company and $25 per card |
| <strong><a href=”https://thepointsguy.com/oc/22146206?pid=22146206&name=Citi%C2%AE%E2%80%AF%2F%20AAdvantage%20Business%E2%84%A2%E2%80%AFWorld%20Elite%20Mastercard%C2%AE&issuer=Citi” target=”_blank”>Citi® / AAdvantage Business™ World Elite Mastercard®</a> </strong>(see <a href=”/tc/22146206?pid=22146206&name=Citi%C2%AE%E2%80%AF%2F%20AAdvantage%20Business%E2%84%A2%E2%80%AFWorld%20Elite%20Mastercard%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | Earn 65,000 bonus miles after spending $4,000 on purchases within the first four months from account opening. | $1,008 | $0 introductory annual fee in the first year; $99 thereafter |
| <strong><a href=”https://thepointsguy.com/credit-cards/capital-one-spark-cash/”>Capital One Spark Cash</a></strong> | <div class=”TaskPane-premiumFeaturesSection”> <div class=”TaskPaneFields”> <div> <div class=”RichText3 TaskDescription TaskDescription–commentOnly TaskDescription-alignedWithLabel–commentOnly”> <div class=”TypographyPresentation TypographyPresentation–medium RichText3-paragraph–withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol–buildingBlock”>Earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening.</div> </div> </div> </div> </div> |
$1,000 | $0 introductory annual fee in the first year; $95 thereafter |
The information for the Citi / AA Platinum Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
*Welcome offer value is determined using TPG’s January 2026 valuations and is not provided by, nor reviewed by the issuer.
American Express Business Platinum Card
This business card stands out not only for its extremely valuable welcome offer but also for travel perks that can easily cover the card’s $895 annual fee. Plus, its current offer is the highest publicly available welcome offer we’ve seen on this card.
Cardmembers enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs (enrollment required), along with some of the best lounge access perks of any business card out there.
As far as earning rates go, cardmembers earn 5 points per dollar spent on flights and prepaid hotels booked on amextravel.com and 2 points per dollar spent on eligible purchases in select business categories and eligible purchases of $5,000 or more (up to $2 million of these purchases per calendar year, then 1 point per dollar spent).
To learn more, read our full review of the American Express Business Platinum.
Earn 200,000 bonus points after spending $20,000 on purchases in the first three months of card membership.
Apply here: The Business Platinum Card from American Express
American Express Platinum Card
Often referred to as the king of the premium travel rewards cards, the Amex Platinum offers a slew of benefits, along with an annual fee of $895.
Cardmembers enjoy perks like automatic elite status with Hilton Honors, Marriott Bonvoy and Leaders Club from Leading Hotels of the World (enrollment required), plus some of the best airport lounge access of any card for eligible cardmembers.
Cardmembers also enjoy 5 points per dollar spent on flights booked directly with airlines or with American Express Travel® (on up to $500,000 in purchases per calendar year, then 1 point per dollar spent), 5 points per dollar spent on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.
To learn more, read our full review of the American Express Platinum.
Find out your offer and see if you’re eligible for as high as 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer.)
Apply here: American Express Platinum Card
Chase Sapphire Reserve for Business
The Chase Sapphire Reserve for Business is Chase’s most premium business card. Its welcome offer is worth a whopping $3,075, based on TPG’s valuations.
This card shares many similarities with the Sapphire Reserve, including lounge access, an annual $300 flexible travel credit, great travel protections and access to Chase’s impressive roster of transfer partners.
Plus, you’ll earn 8 points per dollar spent on Chase Travel℠ purchases, 4 points per dollar spent on flights and hotels booked directly and 3 points per dollar spent on social media and search engine advertising with no spending cap.
To learn more, read our full review of the Chase Sapphire Reserve for Business.
Earn 150,000 bonus points after spending $20,000 on purchases in the first three months from account opening.
Apply here: Chase Sapphire Reserve for Business
Capital One Venture X Business
Like its personal counterpart, the Capital One Venture X, this card offers luxury travel perks at a reasonable annual fee and has a simple earning structure of at least 2 miles per dollar spent on all purchases.
This card is an excellent choice for small-business owners who prioritize simplicity. It offers benefits like airport lounge access and a valuable travel credit for a relatively affordable annual fee.
To learn more, read our full review of the Venture X Business.
Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening.
Learn more: Capital One Venture X Business
Chase Sapphire Reserve
The Chase Sapphire Reserve is one of the best rewards credit cards on the market to upgrade your travel lifestyle. It carries an annual fee of $795 and numerous travel benefits and statements to provide substantial value to cardholders.
You’ll earn 8 points per dollar spent on purchases made through Chase Travel and 4 points per dollar spent on flights and hotels booked directly, allowing you to easily rack up valuable Ultimate Rewards points on your travel purchases.
Points can be used to book travel directly through Chase Travel at a value of up to 2 cents per point, depending on the specific redemption (see your rewards program agreement for full details).
You’ll also get a $300 annual travel credit, airport lounge access and a host of other great perks.
To learn more, read our full review of the Sapphire Reserve.
Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Apply here: Chase Sapphire Reserve
American Express Business Gold
The Amex Business Gold is a fantastic card for business owners looking to maximize earnings from a single card.
It has 4-point-per-dollar spent earning categories that automatically reflect your highest spending areas (on the top two eligible spending categories each billing cycle; capped at $150,000 in combined purchases each calendar year, then 1 point per dollar spent).
To learn more, read our full review of the Amex Business Gold.
Earn 100,000 bonus points after spending $15,000 on purchases in the first three months of card membership.
Apply here: American Express Business Gold Card
Capital One Spark Cash Plus
This business card stands out for its simplicity, earning unlimited 2% cash back on all purchases.
Additionally, you can get your $150 annual fee refunded if you spend $150,000 or more per calendar year.
This card is worth considering if you’re a high-spending business owner looking for a lucrative welcome offer and simple earnings.
To learn more, read our full review of the Capital One Spark Cash Plus.
Earn $2,000 cash back after spending $30,000 on purchases in the first three months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
Learn more: Capital One Spark Cash Plus
American Express Gold
The Amex Gold card is a favorite of many TPG staffers, largely thanks to its terrific earning rates on dining at restaurants worldwide and groceries at U.S. supermarkets (subject to spending caps).
It earns at the following rates:
- 4 points per dollar spent on dining at restaurants worldwide (first $50,000 in purchases per calendar year, then 1 point per dollar spent)
- 4 points per dollar spent at U.S. supermarkets (first $25,000 in purchases per calendar year, then 1 point per dollar spent)
- 3 points per dollar spent on flights booked with airlines or on AmexTravel.com
- 2 points per dollar spent on prepaid hotels and other eligible travel purchases booked through AmexTravel.com
- 1 point per dollar spent on other eligible purchases
The card also offers multiple dining statement credits to help offset its relatively manageable annual fee of $325.
To learn more, read our full review of the American Express Gold.
Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer.)
Apply here: American Express Gold Card
Citi Strata Elite
The Citi Strata Elite is Citi’s premium credit card, with a lucrative welcome offer worth $1,900 based on TPG’s valuations.
The Strata Elite has a $595 annual fee, but packs a punch with valuable statement credits, Priority Pass lounge access, American Airlines Admirals Club lounge passes and a suite of travel protections.
Plus, you’ll earn bonus Citi ThankYou points in a variety of travel and dining categories. These points can also be transferred to American Airlines, giving them considerably more value for cardholders.
To learn more, read our full review of the Citi Strata Elite.
For a limited time, earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Apply here: Citi Strata Elite Card
Marriott Bonvoy Boundless
The Marriott Bonvoy Boundless is a card with a reasonable annual fee that provides solid perks for both frequent and infrequent Marriott travelers. If you want a free night award and automatic elite status, this card can be a great addition to your wallet.
The $95 annual fee can easily be offset by the annual free night award and solid earnings on Marriott stays. This card is worth considering even if you don’t stay at Marriott properties frequently.
To learn more, read our full review of the Marriott Bonvoy Boundless.
Earn five free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. (Certain hotels have resort fees.) Additionally, you can receive up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases.
Apply here: Marriott Bonvoy Boundless Credit Card
Capital One Venture Rewards
The Venture Rewards packs a good punch for a mid-tier credit card.
It earns a flat 2 miles per dollar spent on all purchases worldwide, but you can earn 5 miles per dollar spent on hotels, vacation rentals and car rentals booked through Capital One Travel. The miles you earn with this card can be transferred to Capital One’s 15-plus airline and hotel partners or redeemed through the Capital One Travel portal.
The card stands out for offering a $120 application fee credit for Global Entry or TSA PreCheck every four years; many other cards that offer this benefit have annual fees in the hundreds — far more expensive than this card’s $95 annual fee.
The Venture Rewards card doesn’t charge foreign transaction fees, so you can use the card overseas without paying extra.
To learn more, check out our full review of the Capital One Venture Rewards.
Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. Plus, upon approval, receive a $250 Capital One Travel credit to use during the first year.
Learn more: Capital One Venture Rewards Credit Card
Delta cards
Several American Express (except for one) are running solid welcome bonuses that provide more than $1,000 in value. All of these limited-time offers end on April 1.
The Delta SkyMiles Reserve is a top-tier card for Delta loyalists and those looking for Sky Club access.
The Delta Platinum is an excellent choice for semifrequent Delta flyers and offers a valuable companion certificate. And the Delta Gold provides great value for casual Delta flyers and includes perks like your first checked bag free and priority boarding.
To learn more, read our roundup of Delta credit card offers.
Apply here: Delta SkyMiles Reserve American Express Card Earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of card membership, plus an additional 25,000 miles after spending an additional $3,000 on purchases (for a total of $9,000 spent) in the first six months.
Apply here: Delta SkyMiles Reserve Business American Express Card Earn 125,000 bonus miles after spending $15,000 on purchases in the first six months of card membership.
Apply here: Delta SkyMiles Platinum American Express Card Earn 80,000 bonus miles after spending $4,000 on purchases in the first six months of card membership, plus an additional 20,000 miles after spending an additional $2,000 on purchases (for a total of $6,000 spent) in the first six months.
Apply here: Delta SkyMiles Platinum Business American Express Card Earn 100,000 bonus miles after spending $8,000 on purchases in the first six months of card membership.
Apply here: Delta SkyMiles Gold American Express Card Earn 70,000 bonus miles after spending $3,000 on purchases in the first six months of card membership, plus an additional 20,000 miles after spending an additional $2,000 on purchases (for a total of $5,000 spent) in the first six months.
Apply here: Delta SkyMiles Gold Business American Express Card Earn 90,000 bonus miles after spending $6,000 on purchases in the first six months of card membership.
Citi / AAdvantage cards
Four Citi / AAdvantage cards are providing generous welcome offers for American Airlines loyalists to consider adding to their wallets.
The Executive is a premium option that provides an Admirals Club membership, which also includes access to Alaska Airlines lounges. The Globe is Citi and American’s newest cobranded card, and it offers a unique value proposition to American frequent flyers.
Meanwhile, the Platinum Select is an ideal option for semifrequent American flyers since it provides solid perks like free checked bags and a great welcome offer, and business owners can pick up the Business World Elite Mastercard, which provides the ability to earn a companion pass.
The Executive has a generous welcome offer worth $1,550, based on TPG’s valuations.
To learn more, read our full reviews of the AAdvantage Executive World Elite Mastercard, AAdvantage Globe Card, AAdvantage Platinum Select and AAdvantage Business.
Apply here: Citi / AAdvantage Executive World Elite Mastercard For a limited time, earn 100,000 bonus miles after spending $10,000 on purchases in the first three months from account opening.
Apply here: Citi / AAdvantage Globe Mastercard For a limited time, earn 90,000 bonus miles after spending $5,000 on purchases in the first four months from account opening.
Learn more: Citi / AAdvantage Platinum Select World Elite Mastercard For a limited time, earn 80,000 bonus miles after spending $3,500 in the first four months from account opening.
Apply here: Citi / AAdvantage Business World Elite Mastercard Earn 65,000 bonus miles after spending $4,000 on purchases in the first four months from account opening.
Chase Sapphire Preferred
The Chase Sapphire Preferred is one of the best and most value-packed travel rewards credit cards on the market.
As for earning rates, the Sapphire Preferred racks up 5 points per dollar spent on Lyft rides (through Sept. 30, 2027) and travel purchased through Chase Travel, 3 points per dollar spent on dining, select streaming and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar spent on other travel purchases and 1 point per dollar on all other purchases.
To learn more, read our full review of the Sapphire Preferred.
Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Apply here: Chase Sapphire Preferred Card
World of Hyatt Credit Card
The World of Hyatt Credit Card is one of the best cobranded hotel cards on the market due to its automatic elite status, generous earnings rate and anniversary free night award.
Hyatt may not have the biggest footprint, but it has some outstanding hotels worldwide. Additionally, Hyatt is one of the few hotel programs that still uses a fixed award chart with peak and off-peak pricing, which allows you to get outstanding value for your points.
With its generous earnings rate, elite status and a solid welcome offer, this card is strongly worth considering even if you don’t stay at Hyatt hotels often.
To learn more, read our full review of the World of Hyatt card.
Earn five free nights: three free nights after spending $5,000 on purchases in the first three months from account opening, and two additional free nights after spending $15,000 on purchases in the first six months. (Free nights can be redeemed at any Category 1-4 Hyatt property.)
Apply here: World of Hyatt Credit Card
Atmos Rewards cards
All three cards in the Atmos Rewards family are providing high-value welcome offers for new cardholders. Any of these cards would be a great choice for frequent Alaska and Hawaiian Air flyers.
The Atmos Summit is the premium option featuring two quarterly Alaska lounge passes, checked bags and priority boarding for you and up to six guests flying on the same reservation and earning an unrivaled 3 points per dollar spent on all foreign transactions.
The Atmos Ascent is excellent for semifrequent Alaska flyers and includes a free checked bag and preferred boarding. The Atmos Business card is great for small-business owners who want to collect Atmos Rewards points and enjoy added perks on Alaska and Hawaiian flights.
To learn more, read our full reviews of the Atmos Rewards Summit, Atmos Rewards Ascent and Atmos Rewards Business.
Apply here: Atmos Rewards Summit Visa Infinite Credit Card Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 on purchases in the first 90 days from account opening.
Apply here: Atmos Rewards Ascent Visa Signature Credit Card Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases within the first 90 days from account opening.
Apply here: Atmos Rewards Visa Signature Business Card Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 on purchases within the first 90 days from account opening.
Bilt Palladium Card
The premium Bilt Palladium Card is an excellent choice for those all-in on Bilt Rewards. Cardholders will earn 2 points per dollar and 4% Bilt Cash** (as long as you choose to earn Bilt Cash) on all purchases, which guarantees a sky-high 4.4% return on everyday purchases, per TPG’s valuations.
You’ll also receive a $400 Bilt Travel portal hotel credit each calendar year, split into two biannual $200 credits.
**Up to $100 of Bilt Cash earned rolls over to the next year.
To learn more, check out our full review of the Bilt Palladium Card.
Earn 50,000 bonus points after making $4,000 in non-housing purchases in the first three months from account opening. Plus, receive $300 in Bilt Cash upon approval.
Apply here: Bilt Palladium Card
Capital One Venture X Rewards
The Venture X offers solid earning rates and incredible perks.
According to our valuations, the card offers a welcome bonus worth $1,388. Cardholders can also access excellent airline and hotel transfer partners.
It also offers $300 in credits annually for bookings made through Capital One Travel, comes with lounge access and 10,000 bonus miles every account anniversary.
As for earning rates, the Venture X racks up 10 miles per dollar spent on hotels and car rentals booked through Capital One Travel, 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel and an unlimited 2 miles per dollar spent on everything else.
To learn more, read our full review of the Capital One Venture X.
Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.
Learn more: Capital One Venture X Rewards Credit Card
United cards
The United Business Card is the more affordable of the two United business cards. It’s a good option for small-business owners who want to earn MileagePlus miles and enjoy United perks when traveling.
The United Club Card provides solid perks for frequent United flyers, such as lounge access in the form of a United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide.
And the United Quest is a strong option for anyone who is somewhat loyal to United. This card offers some solid perks to help you recoup its $350 annual fee, including a $200 United travel credit each account anniversary and up to $100 in ride-hailing statement credits each year (enrollment required).
To learn more, read our full reviews of the United Business, United Club and United Quest.
Apply here: United Business Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening.
Apply here: United Club Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.
Apply here: United Quest Card Earn 80,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening.
Citi Strata Premier
The Citi Strata Premier is Citi’s mid-tier travel rewards card. The card offers a lucrative welcome offer worth $1,140 based on TPG’s valuations and access to Citi’s solid lineup of transfer partners.
It offers great earnings rates in a wide variety of categories. It earns 10 points per dollar spent on hotels, car rentals and attractions booked through the Citi Travel portal, 3 points per dollar spent on air travel, other hotels, gas stations, electric vehicle charging stations, supermarkets and restaurants (including takeout) and 1 point per dollar spent on all other purchases.
The card also comes with valuable perks, such as travel protections, insurance and an annual $100 hotel credit after you spend $500 (excluding taxes and fees) on a single hotel stay booked through the Citi Travel portal.
To learn more, read our full review of the Citi Strata Premier.
Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Apply here: Citi Strata Premier Card
Southwest Rapid Rewards Performance Business
Many travelers love Southwest Airlines, and this love only grows if you have a Southwest Airlines credit card in your wallet.
Currently, new Performance Business cardholders can earn a welcome offer worth $1,080, according to TPG’s valuations.
When you pair those perks with a strong route network, including international destinations and Hawaii, and the easy-to-use Rapid Rewards frequent flyer program, it’s easy to see why Southwest has created a loyal customer base.
To learn more, read our full review of the Southwest Performance Business.
Earn 80,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Apply here: Southwest Rapid Rewards Performance Business Credit Card
British Airways Visa Signature Card
The British Airways Visa Signature Card has a welcome offer worth $1,050, based on TPG’s valuations.
While this card lacks many perks typically found on airline cards, it does offer the ability to earn a unique companion ticket known as the Travel Together ticket and reward flight credits that can help offset the notoriously high British Airways fuel surcharges, taxes and fees.
Additionally, this card allows you to transfer your Avios between programs at a 1:1 ratio. You can also use Avios to book domestic flights on American Airlines and Alaska Airlines, making this a card you should consider even if you don’t live in or frequently travel to Europe.
To learn more, read our full review of the British Airways Visa Signature Card.
Earn 75,000 bonus Avios after spending $5,000 on purchases in the first three months from account opening.
Apply here: British Airways Visa Signature Card
World of Hyatt Business credit card
Like its personal counterpart, the World of Hyatt Business card offers solid benefits for businesses that frequent Hyatt properties.
This card comes with perks like discounted room rates through a complimentary Hyatt Leverage membership, annual statement credits, automatic elite status with the ability to spend your way to higher tiers and a 10% redemption bonus each calendar year.
Unfortunately, unlike the personal card, the business version doesn’t offer a free night certificate and has more than double the annual fee.
To learn more, read our full review of the World of Hyatt Business card.
Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Apply here: World of Hyatt Business Credit Card
Capital One Spark Cash
The Capital One Spark Cash is a great business card with a modest $95 annual fee (after the $0 introductory annual fee in the first year).
Simplicity is the name of the game with the Spark Cash, as you’ll earn unlimited 2% cash back on all eligible purchases. You’ll also receive modest benefits that help businesses, like free employee cards and itemized year-end summaries.
To learn more, read our full review of the Capital One Spark Cash.
Earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening.
Learn more: Capital One Spark Cash
Bottom line
The quickest way to earn points and miles is by applying for a new credit card. If any of these offers interest you, act sooner rather than later, as several of these offers are only around for a limited time.
Remember that Chase’s 5/24 rule means that it’s often best to apply for Chase cards before other issuers’ products. If you want some guidance on what card to go for next, here’s some help on how to choose the best credit card for you.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Business Gold card, click here.
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Delta Reserve Amex card, click here.
For rates and fees of the Delta Reserve Business Amex, click here.
For rates and fees of the Delta Platinum Amex card, click here.
For rates and fees of the Delta Platinum Business Amex, click here.
For rates and fees of the Delta Gold Amex card, click here.
For rates and fees of the Delta Gold Business Amex, click here.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
