Chase Sapphire Preferred: 75,000 points after $5,000 in 3 months, $95 fee
- Bonus
- 75,000 points
- Spend
- $5,000 in 3 mo
- Annual fee
- $95
Still the best first travel card in the country.
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Credit card sign-up bonuses
Checked on each issuer's page Oct 14, 2026. Sorted hot first. The bonus is the headline; the annual fee and the spend requirement are what decide it.
Points & miles cards
Chase Sapphire Reserve: 100,000 points after $6,000 in 3 months ($795 fee)
- Bonus
- 100,000 points
- Spend
- $6,000 in 3 mo
- Annual fee
- $795
The 100k bonus is huge, but the $795 fee is real money and the credits are in halves (January–June, July–December), so do the math on your own travel first.
Amex Platinum: as high as 175,000 points after $12,000 in 6 months
- Bonus
- As high as 175,000 points
- Spend
- $12,000 in 6 mo
- Annual fee
- $895
This is the biggest public bonus on the market right now, and the 6-month window makes $12,000 doable for a family.
Amex Gold: as high as 100,000 points after $8,000 in 6 months, $325 fee
- Bonus
- As high as 100,000 points
- Spend
- $8,000 in 6 mo
- Annual fee
- $325
The grocery-and-dining card.
Capital One Venture X: 75,000 miles after $4,000 in 3 months — $395 fee that pays for itself
- Bonus
- 75,000 miles
- Spend
- $4,000 in 3 mo
- Annual fee
- $395
The easiest premium card to justify: $300 travel credit + 10,000 anniversary miles ≈ $400 back on a $395 fee, so you're holding a lounge card for about nothing.
Capital One Venture: 75,000 miles plus a $300 hotel credit after $4,000 — limited time
- Bonus
- 75,000 miles + $300 stays credit
- Spend
- $4,000 in 3 mo
- Annual fee
- $95
This is unusually generous for a $95 card — the $300 credit is on top of the normal 75k, so you're looking at a four-figure first year for a sub-$100 fee.
Ink Business Preferred: 100,000 points after $8,000 in 3 months, $95 fee
- Bonus
- 100,000 points
- Spend
- $8,000 in 3 mo
- Annual fee
- $95
The best points-per-dollar-of-fee deal Chase offers.
Citi Strata Premier: 60,000 points after $4,000 in 3 months, $95 fee
- Bonus
- 60,000 points
- Spend
- $4,000 in 3 mo
- Annual fee
- $95
Strongest everyday-category card of the bunch — 3x on groceries, gas and dining with one card.
Cash back cards
Chase Freedom Flex: $250 after just $500 in spend — limited time, no annual fee
- Bonus
- $250 bonus (up from $200)
- Spend
- $500 in 3 mo
- Annual fee
- $0
The easiest bonus here: $500 of normal spending gets you $250, with no fee ever.
Ink Business Cash: $750 back after $6,000 in 3 months — no annual fee
- Bonus
- $750 cash back
- Spend
- $6,000 in 3 mo
- Annual fee
- $0
$750 for $0 fee is the quiet star of this list.
Capital One Quicksilver: $200 bonus after just $500, then 1.5% back on everything — no annual fee
- Bonus
- $200 cash bonus
- Spend
- $500 in 3 mo
- Annual fee
- $0
The simplest cash-back card going: one flat rate on everything you buy, a $200 bonus for $500 of ordinary spending, and no annual fee — nothing to optimize, nothing to remember.
Citi Double Cash: $200 after $1,500 in 6 months, 2% back on everything, no fee
- Bonus
- $200 cash back
- Spend
- $1,500 in 6 mo
- Annual fee
- $0
A $200 bonus on a flat-2% card with a six-month spending window is as low-effort as it gets.
Capital One Savor: $200 after $500 in 3 months, 3% on groceries and dining, no fee
- Bonus
- $200 cash bonus
- Spend
- $500 in 3 mo
- Annual fee
- $0
The no-fee grocery-and-dining card.
How to read these offers
- Spend requirement: what you must charge in the window to earn the bonus. Rent, taxes and tuition can usually be paid by card for a small fee if you're short.
- Annual fee: charged on approval unless the card says “$0 intro”. Credits (travel, hotel, dining) offset it only if you'd spend there anyway.
- “As high as”: American Express shows your personal offer after you apply, with no credit score impact until you accept — check the number before you accept.
- Issuer rules: Chase's 5/24 (approvals are unlikely with five or more new cards in 24 months) and 48-month Sapphire rule; Amex's once-per-lifetime bonus per card; Capital One's one approval per six months; Citi's 48-month rule on ThankYou cards.
Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.