BEST OF

Best Credit Card Bonuses for New Cardholders of December 2022

Dec 2, 2022

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Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card, but the best deals don't always stick around. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $200, but some cards go even higher. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are the best bonus offers currently available on NerdWallet.

NerdWallet's Best Credit Card Bonuses for New Cardholders of December 2022

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Best Credit Card Bonuses for New Cardholders From Our Partners

Our pick for

Capital One Miles

Apply now

on Capital One's website

Capital One Venture Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

BONUS OFFER: 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.

Pros

  • High rewards rate

  • Flexible rewards redemption

Cons

  • High annual fee

  • Rewards have limited flexibility

  • Requires good/excellent credit

Read full review
  • 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

  • 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®

  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network

  • 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

Our pick for

No-annual-fee travel points

Apply now

on Wells Fargo's website

Wells Fargo Autograph℠ Card - Offer Ending Soon

4.5

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

30,000

Points

Recommended Credit Score

BONUS OFFER: Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023.

Pros

  • No annual fee

  • Bonus categories

  • No reward caps

  • Cell phone insurance

  • New cardholder bonus offer

Cons

  • No free checked bags

  • No free anniversary night

  • No luxury perks

  • Requires good/excellent credit

Read full review
  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023

  • 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. 18.74%, 23.74%, or 28.74% variable APR thereafter

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (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.

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.

  • Select "Apply Now" to learn more about the product features, terms and conditions.

  • View Rates & Fees

Our pick for

General travel card

Apply now

on Citibank's application

Citi Premier® Card

4.9

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

80,000

Points

Recommended Credit Score

Pros

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

Cons

  • Has annual fee

  • Requires good/excellent credit

  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

  • Earn 3 Points per $1 spent at Restaurants and Supermarkets

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

  • Earn 1 Point per $1 spent on all other purchases

  • Annual Hotel Savings Benefit

  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com

  • No expiration and no limit to the amount of points you can earn with this card

  • No Foreign Transaction Fees on purchases

Read full review

Our pick for

$200 cash back

Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons

  • Requires good/excellent credit

  • Complicated rewards

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card

  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Apply now

on US Bank's website

U.S. Bank Cash+® Visa Signature® Card

4.3

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Pros

  • No annual fee

  • Bonus categories

  • High rewards rate

Cons

  • Complicated rewards

Read full review
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose

  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants

  • 1% cash back on all other eligible purchases

  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.24 - 28.24%

  • No Annual Fee

  • Terms and conditions apply.

  • View Rates & Fees
Apply now

on Citibank's application

Citi Custom Cash℠ Card

4.7

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: 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.

Pros

  • No annual fee

  • 5% bonus categories

  • Intro APR Period

Cons

  • Low rate outside bonus categories

  • Requires good/excellent credit

Read full review
  • 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 17.74% - 27.74%, 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.

Apply now

on Capital One's website

Capital One Quicksilver Cash Rewards Credit Card

4.6

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

  • No bonus categories

Read full review
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

  • Earn unlimited 1.5% cash back on every purchase, every day

  • $0 annual fee and no foreign transaction fees

  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

  • 0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Our pick for

$200 cash rewards bonus

Apply now

on Wells Fargo's website

Wells Fargo Active Cash® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

2%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review
  • Earn a $200 cash rewards bonus after spending $1,000 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, then a 18.74%, 23.74%, or 28.74% variable APR; 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

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Select "Apply Now" to learn more about the product features, terms and conditions

  • View Rates & Fees

Our pick for

Chase Ultimate Rewards® points

Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

BONUS OFFER: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Primary rental car coverage

  • Flexible rewards redemption

  • Transfer partners

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Complicated rewards

Read full review
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Our pick for

$250 cash back

Apply now

on US Bank's website

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card - NerdWallet Exclusive

4.8

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0 intro for the first year, then $95

Rewards rate

1.5%-6%

Cashback

Intro offer

$250

Recommended Credit Score

BONUS OFFER: Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

Pros

  • High rewards rate

  • Bonus categories

  • New cardholder bonus offer

Cons

  • Has annual fee

  • Complicated rewards

Read full review
  • Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

  • 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com™, Walmart®, Target® and more).

  • 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).

  • 1.5% Cash Back on all other eligible purchases.

  • 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.

  • No limit on total cash back earned.

  • Plus, enjoy access to our Online Shopping portal with 100s of exclusive discounts.

  • View Rates & Fees

Our pick for

Cash back match

Apply now

on Discover's website, or call 800-347-0264

Discover it® Cash Back

4.9

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

BONUS OFFER: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Read full review
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • Every $1 you earn in cash back is $1 you can redeem.

  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

  • Click "Apply Now" to see terms and conditions.

  • View Rates & Fees

Our pick for

American Express Membership Rewards

Apply now

on American Express' website

American Express® Gold Card

4.6

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$250

Rewards rate

1x-4x

Points

Intro offer

60,000

Points

Recommended Credit Score

BONUS OFFER: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

Pros

  • Bonus categories

  • Transfer partners

  • Flexible rewards redemption

Cons

  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

Read full review
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

  • Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.

  • Choose the color that suits your style. Gold or Rose Gold.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms Apply.

  • View Rates & Fees

Our pick for

$250 statement credit

Apply now

on American Express' website

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0 intro annual fee for the first year, then $95.

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

BONUS OFFER: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Pros

  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

Read full review
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • $0 intro annual fee for the first year, then $95.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 6% Cash Back on select U.S. streaming subscriptions.

  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

  • 1% Cash Back on other purchases.

  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.

  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • Terms Apply.

  • View Rates & Fees

Our pick for

Airline card

Apply now

on Chase's website

Southwest Rapid Rewards® Priority Credit Card

4.2

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$149

Rewards rate

1x-3x

Points

Intro offer

75,000

Points

Recommended Credit Score

BONUS OFFER: Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months.

Pros

  • Anniversary perk

  • No reward caps

Cons

  • High annual fee

  • Rewards have limited flexibility

Read full review
  • Limited Time Offer: Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months.

  • 7,500 anniversary points each year.

  • Earn 3X points on Southwest® purchases.

  • Earn 2X points on local transit and commuting, including rideshare.

  • Earn 2X points on internet, cable, and phone services, and select streaming.

  • $75 Southwest® travel credit each year.

  • 4 Upgraded Boardings per year when available.

  • No foreign transaction fees.

Apply now

on American Express' website

Delta SkyMiles® Reserve American Express Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$550

Rewards rate

1x-3x

Miles

Intro offer

50,000

Miles

Recommended Credit Score

BONUS OFFER: Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply.

Pros

  • High rewards rate

  • Free checked bag

  • Early boarding

  • Companion benefit

Cons

  • Has annual fee

  • Requires good/excellent credit

Read full review
  • Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months.

  • Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. You can earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion® Status.

  • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

  • Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.

  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.

  • Enjoy your first checked bag free on Delta flights.

  • Earn 3X Miles on Delta purchases.

  • Earn 1X Mile on all other eligible purchases.

  • No Foreign Transaction Fees.

  • $550 annual fee.

  • Terms Apply.

  • View Rates & Fees
Apply now

on Citibank's application

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

4.9

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0 intro for the first year, then $99

Rewards rate

1x-2x

Miles

Intro offer

50,000

Miles

Recommended Credit Score

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

Pros

  • Free checked bag

  • Early boarding

  • Bonus categories

Cons

  • Has annual fee

  • Rewards have limited flexibility

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

  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases

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

  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card

  • No Foreign Transaction Fees

  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation

  • Enjoy preferred boarding on American Airlines flights

Our pick for

Hotel card

Apply now

on Chase's website

IHG® Rewards Premier Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$99

Rewards rate

1x-26x

Points

Intro offer

140,000

Points

Recommended Credit Score

BONUS OFFER: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

Pros

  • Anniversary perk

  • High rewards rate

  • Automatic elite status

  • Luxury perks

Cons

  • Has annual fee

  • Rewards have limited flexibility

Read full review
  • Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights

  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel

  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases

  • Platinum Elite status as long as you remain a Premier card member

  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card

  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Apply now

on American Express' website

Hilton Honors American Express Surpass® Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Rewards rate

3x-12x

Points

Intro offer

130,000

Points

Recommended Credit Score

BONUS OFFER: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Terms Apply.

Pros

  • High rewards rate

  • Automatic elite status

  • Luxury perks

Cons

  • Has annual fee

  • No free anniversary night

Read full review
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.

  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.

  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.

  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

  • $95 annual fee.

  • Terms Apply.

  • View Rates & Fees
Apply now

on Chase's website

World of Hyatt Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-9x

Points

Intro offer

30,000

Points

Recommended Credit Score

BONUS OFFER: Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Pros

  • New cardholder bonus offer

  • Automatic free night annually

  • Bonus categories

  • Luxury perks

Cons

  • Has annual fee

  • Complicated rewards

  • Limited redemptions

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  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.

  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.

  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open

  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year

  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card

  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member

  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Apply now

on Chase's website

Marriott Bonvoy Boundless® Credit Card

4.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

2x-17x

Points

Intro offer

N/A

Recommended Credit Score

BONUS OFFER: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

Pros

  • Anniversary perk

  • High rewards rate

  • Automatic elite status

Cons

  • Has annual fee

  • Rewards have limited flexibility

Read full review
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.

  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

  • Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

  • 2X points for every $1 spent on all other purchases.

  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.

  • No foreign transaction fees.

Our pick for

Airline Card

Apply now

on Chase's website

United Club℠ Infinite Card

4.5

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$525

Rewards rate

1x-4x

Miles

Intro offer

100,000

Miles

Recommended Credit Score

BONUS OFFER: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Pros

  • High rewards rate

  • Lounge membership

  • New cardholder bonus offer

  • Free checked bag

Cons

  • High annual fee

  • Rewards have limited flexibility

  • Requires excellent credit

Read full review
  • Earn 100,000 bonus miles.

  • Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

  • Earn 2 miles per $1 spent on all other travel

  • Earn 2 miles per $1 spent on dining including eligible delivery services

  • Earn 1 mile per $1 spent on all other purchases

  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit

  • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply

  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.

Last updated on December 2, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

Frequently asked questions