Posted by William Charles on October 3, 2017
Credit Cards

Published on October 3rd, 2017 | by William Charles


Best Current Credit Card Sign Up Bonuses & Offers For October, 2017

A list of the best current credit card sign up bonuses & offers for October, 2017. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).

Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.

A few final thoughts before we get to this list:

  • There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
  • I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
  • I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly.
  • If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.

Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.

Personal Cards

These cards are listed in order from absolute best to best (e.g the better cards are at the top).

Platinum 100,000 Point Offer

Read our review of this offer

Not everybody is able to get this offer to show, but if you are then it’s a great offer. Just keep in mind it does have a massive $550 annual fee, but for that you get good lounge access, $200 in airline incidentals per calendar year (so you can get it twice and only pay the annual fee once) and $200 in Uber credits per card member year as well. Obviously not for everybody, but if you can maximize those airline incidentals then this is a really great offer. There is also an upgrade offer of 60,000 points without the lifetime language, unfortunately that is targeted.

Citi Premier 50,000 Point Offer

Read our review of this offer

This popular offer is back now, and it’s $95 annual fee is waived the first year. There has been an even better 60k offer in the past, but that one is uncommon.

Chase IHG 80,000 + $50/100,000 Points

Our post on this bonus | 100,000 point bonus

This used to require applying for the 60,000 offer and then requesting a match. That is no longer necessary and it also has a lower spend requirement of $1,000. IHG points aren’t the most valuable, although if you can find hotels that work with their Points Break list this bonus would be worth 20 free nights (highly unlikely). You also used to be able to match to a 100,000 point offer as well but this no longer seems to be the case. What you can do instead is call in and get a 100,000 point offer.

One of the big pluses of this card is that every year you receive a free night certificate that can be used on any IHG property (annual fee is only $49) so this is one of the few cards that I think is worth considering long term. Also the Chase 5/24 rule doesn’t apply to this card.

Wells Fargo Propel World 40,000 Points In Branch Or Phone

Our review of this bonus & method in branch or by phone

This card isn’t available online anymore and I can’t see it being available in branch for too much longer either. Card also comes with $100 in travel reimbursements each year and the annual fee of $175 is waived the first year as well. Points are worth 1¢ each so this bonus is worth $400 + the $100 in travel reimbursements.

Chase In Branch Offers (Freedom & Freedom Unlimited 30,000 Points & Sapphire Preferred/Reserve 60,000 Points)

Read our full review

This is actually four different offers. A bonus of 30,000 points on the Chase Freedom & Freedom Unlimited cards and a bonus of 60,000 points on Chase Sapphire Preferred & Reserve cards. These offers are only available in branch (should show up when asking for a pre-approval and pre-approved offers also bypass 5/24 rule). The normal bonus on the Freedom & Freedom Unlimited is only 15,000 points and on the Preferred & Reserve it’s 50,000.

Bank of America Premium Rewards 50,000 Points + $100 Travel Credit

Link to our review of this card

Card comes with a 50,000 point sign up bonus worth $500 towards statement credit. In addition you get a $100 travel credit each calendar year, downside is that this can only be used on domestic originated flights (not sure how or if this is actually enforced yet) and a $95 annual fee.

Bank of America Alaska Airlines 30,000 Miles + $100 Statement Credit + Free Companion Ticket

Link to our review of the offer

The real value here is the fact that Bank of America allows you to combine inquiries. That means you can pair this bonus with another Bank of America card (or two) and only receive the single hard pull. Deal is only better after the addition of the free companion ticket (plus taxes and fees) in the first year.

Bank of America Amtrak 30,000 Point Offer

Link to our review of the offer

Amazing deal for train lovers. 30,000 points are worth $768-$870 in train travel. Shame it requires status to transfer the points to Choice hotels. Can also  be combined with the above offer.

Barclaycard AAdvantage Aviator Red World Elite MasterCard 60,500 Miles

Read our review here

Another card with no minimum spend requirement. The downside is that American Airline miles are not terribly useful or valuable at the moment due to the fact that there is very little saver space available. Still the highest offer on this card.

Synchrony Cathay Pacific 50,000 Miles

Read our review here

This card has only ever had a 25,000 mile bonus so this is significantly higher than what they have offered before. In addition card is issued by Synchrony (not a big player in high rewards cards). There is also a 20% transfer bonus from Citi to Cathay Pacific at the moment to help you get enough miles for any redemptions you need.

Barclaycard JetBlue Plus 40,000 Points

Read our review here

Unfortunately the $99 annual fee is not waived but this is 10,000 points higher than the standard bonus and the highest ever offered. JetBlue points are worth between 0.97¢ & 1.89¢ and award flight prices are tied to the cash rate. That makes this bonus worth between $388 & $756 in JetBlue/Hawaiian flights.

Wells Fargo Visa Signature 20,000 Point Bonus

Read our full review

Makes Wells Fargo points worth 1.5¢ each towards airfare. Also earns 5x on Gas, Grocery, Drugstores for first six months (unfortunately can’t put much volume through anymore).

Chase Hyatt 40,000 Points + $50 Statement Credit

Link to our review

Standard bonus is now 40,000 points but you can get an extra $50 statement credit by doing a dummy booking.

Discover it – $50 + Double Cash Back

Get bonus here

The sign up bonus on this card is low ($50 when you use a referral) but the real bonus is that after the first year you get your cash back doubled for that year (including the $50 referral bonus). This card has 5% rotating categories (up to $1,500 in spend per quarter), this means you’ll get 10% cash back on those categories. This card really only makes sense if you’ll be able to max out those categories at least some of the time.

There is also currently a public $75 bonus offer.  Read our review.

U.S. Bank FlexPerks Gold American Express – 30,000 Points

Read our review

Relatively new card, points are worth $300 in cash or up to $600 in airfare (or $450 in hotels) so some good value to be had here with a nice fallback cash redemption option as well. Annual fee of $85 is not waived in the first year, but it does also earn 3x points for restaurant purchases.

Business Card Bonuses

American Express Business Platinum 100,000 Points

Our review of this bonus

This is a super old way to get this bonus and it doesn’t work for everybody but this is basically as good as it gets for this card apart from high spend targeted offers.

American Express Business Gold Rewards 75,000 Points

Our review of this bonus

Similar to the above offer this requires calling in to receive it. 25,000 points more than the standard bonus on this card but does require an additional $5,000 in spend.

Chase Ink Preferred – 100,000 Points

Our review of this bonus

Requires going in branch to get this offer. You should be able to get this bonus even if you’re not a business managed customer and if you can get them to submit a paper application it should by pass Chase 5/24.

American Express Business SPG – 35,000 Points

Our review of this bonus

Spending requirement is bigger than it has been in the past, but it’s still a bonus of 35,000 SPG points and that’s the highest we’ve seen. With Marriott acquiring SPG we never know how much longer this card will be available and I doubt we will see a larger bonus than 35,000 points in the near future/ever.

Chase Southwest Business Premier – 60,000 Points

Our review of this bonus

Really good card and offer. It is better when the personal cards have the 60,000 points as well that way you have enough Southwest points for the companion pass. Chase 5/24 rule does apply to this card and the personal cards, so it’ll be extremely difficult for most people to get the two bonuses required for this bonus.

AmaZing Credit Cards – $1,000 CA, TX & NV

Our review of this bonus

Would be higher but we don’t know much about the credit unions offering this deal. Once we do it certainly will be higher in this list.

Recent Changes

I thought it would be useful to list when and why I make changes here.

Final Thoughts

I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?

274 Responses to Best Current Credit Card Sign Up Bonuses & Offers For October, 2017

  1. NM says:

    Thanks, great article with a helpful round-up. Just a small clarification: the Citi Prestige has a $250 airline credit, not a $300 travel credit.

  2. cas187 says:

    nice job! I’ve been hopeful that you would compile an aggregate list of CCs like this because I think this site does a better job of giving an honest and succinct viewpoint then your blog competitors

  3. MJG says:

    No mention of Starwood and Marriott cards that are now eligible to be combined?Some really sweet possibilities there.

  4. ChurningForDays says:

    I’m not sure I agree with your take on Sky Miles. Granted, they’re clearly the least valuable of the legacies, but Pay With Miles provides a floor that gives a minimum value of $500/$700+ on some of those Delta cards. The increased offers going on make them must-looks if you ask me.

    A lot of people, myself included, soured on Delta with their unannounced devaluations and generally shady practices when it comes to their frequent flier program. That being said, Delta generally gets good reviews for their service and they have a ton of non-stops from ATL, CVG, DTW, LAX, MSP, JFK, LGA, and SLC.

    In my opinion the Delta Gold Personal card should not be applied for unless you are targeted for the 75k offer. However, the Delta Platinum Personal probably deserves a spot above the IHG card on your list and I think both versions of the Business card deserve spots at the bottom of your list (below SWRR).

    • My thinking with the current skymiles offers is that they will increase in the short term (as evidenced by the near constant 50k/70k offers) and the fact that there is no real need to hold these miles. If you have short term plans for Delta miles it can make sense, but I expect increase offers for both cards in the short term and also devaluation of Delta miles in the short-medium term. Annual fee on the Platinum card doesn’t help it’s cause either, maybe offset by the MQM for some people?

      Again, happy to argue these points and update list if I am in the minority/wrong.

      • ChurningForDays says:

        I guess the fear of increased offers is somewhat fair, but do you really see these cards hitting a six figure sign up bonus? That seems like the next step for Amex (100k DL Plat) to take with these if they really want to make a splash and drive sign ups, but I just don’t see them parting with such a huge crop of miles. My understanding is that the Delta card portfolio is relatively successful and the addition of card spend to waive the MQD requirement has probably helped them stave off deserters.

        In summation, I personally don’t see how the Delta Personal Platinum (70k miles/effective $95 fee first year with statement credit) can be left off your list of best personal sign up bonuses when the US Bank Amex is on there.

  5. Kelly says:

    I thought on the Amex Business Plat the total spend was $15k in total, not 10k? Although it would be great if it were! Thanks for compiling this list!

  6. Zorba says:

    Looks good! Pretty sure the Amex Platinum Business is $15,000 total. $5,000 first 50k points, $10,000 for second 50k set.

  7. Jake P says:

    CFU higher than CSR. Wowza

  8. Eric says:

    Under “Personal Cards” I think you meant to write “best to worst” instead of “best to best”.

  9. Dan says:

    I never saw the 100k/125k AmEx Hilton links. Do you have those?

  10. Laura says:

    GASP! This improves my life greatly. TY!!!!

  11. Jason says:

    Merrill Lynch MERRILL+ Visa

    Dad’s application submitted about an hour ago and received a call from their consideration line 866-224-7803, was approved instantly over the phone. 5K credit line. Like mine, he has Experian frozen and asked them to pull from Trans Union instead, 745 on trans Union via Credit Karma. It appears that 5K is the lowest credit line but it is totally fine because only the sign up bonus matters.

    It looks to me that Merril Lynch is very aggressive on getting ppl using their credit card, therefore approving without even mentioning on short credit history or number of hard inquiries in report. Funny thing is that my Dad previously did not even get approved for BofA’s cash reward credit card.

    • Jason says:

      typo: reconsideration line

      • Boston Bobby says:

        Newbie here so i apologize in advance if this is a dumb question, but I’ve been seeing a lot of ppl saying they’ve frozen their accounts. I assume it’s because that score is lower than the others? So i guess I have 3 questions: Does this strategy work with all banks? What exactly do you give for the reason it’s frozen when you talk to the recon line? Is it only Experian this strategy works for or can i use it for my lowest score which is equifax? Thanks for any insight…

  12. Mark Ostermann says:

    No love for Spark Cash? $500 cash after $4500 in spend….better spend then the amex $500 bonus plus 2% on everything.

  13. Jeff H says:

    I am leaning more toward the CSP if I can get a Chase in branch preapproval vs CSR. Adjusting the reward vs AF and not having to game the $300.00 travel credits when I will not be traveling just makes more sense to me. 7/12 Currently. One new business card on top of that which has not had time to hit the credit bureaus if it does.

    The problem is I do not see enough sizzle in anything out there to drool about except the CSP or CSR. At the rate I am going, I may be a one year wonder as very little pumps my juices for 2017 in terms of new credit cards or bank accounts.

  14. mmgfarb says:

    You should still be able to get matched to the 70k in branch offer for the Ink Plus.

  15. Jan B says:

    WC: I think you did a great job breaking this down. Thanks! 🙂

  16. Abey says:

    There are two cards that have very valuable signup bonuses but are very underrated.
    Chase Hyatt. Sign up bonus is 2 free nights any Hyatt worlwide.
    And Chase Fairmont. Two free nights worldwide.
    Me and my GF used the Hyatt sign up bonuses for 4 free Hyatt nights in Paris and its around $1,000 per night
    And we used the Faimont for 4 free Fairmont night in Maui Hawaii around $700 per night
    And we also got suite upgrades and dining certificates.
    Now these free nights are more worth then
    50K AA points 50K thank you points and so on.

    • henry says:

      what if you don’t travel or don’t care for fancy smancy hotels?

      • NewYork12126 says:

        I agree with the original commenter that both of these cards are worth a mention. With a bit of effort and foresight, can each offer some real outsized value. Especially the Fairmont card (and it’s not 5/24). However, I do think that the Hyatt card gets a bit of undeserved attention from other bloggers, given the annual fee and the limitation of the free night to only a cat. 1 – 4. As a previous holder, I struggled to get good value out of the card beyond the two free nights.

    • Sue says:

      I thought the Fairmont wasn’t available anymore.

    • Terri Clark says:

      Abey, I agree these two are worth pursuing, but I didn’t think the Fairmont was available for new signups any more?

    • Adam D says:

      Difference is theres usually dozens or accomadations available in a city for all budgets. There is not that option with airlines and if with that theory if you book a multiple stop route a day before a flight with miles one can save thousands.

  17. C says:

    Thanks for putting this together! I was hoping this type of list would come out soon- I am a big fan of your bank account bonus page!

  18. Abey says:

    Also the Barclay Wyndham 30k points
    Its basicaly two free wyndham nights
    Since its 15K points per night for any hotel
    We combined two Wyndham cards
    For 4 free nights in Amsterdam
    It was one of the best weekends of our life…

  19. Abey says:

    Here are a few more cards you havent mentioned:
    The Ritz Carlton, 3 free nights.
    British Airways 50K points.
    Jet Blue 30K points.
    Lufthansa Miles&More 50K points.
    TD Aeroplan 25K points.
    Hawaiian Airlines 50K points (Targeted).
    Us Bank FlexPerx around 40K points
    With the USA Olympic promotion.
    Club Carlson 85K points
    (We combined two Club Carlsons for 3 nights in Rome).
    Also Citi AA Business 50K after 3K spend.

  20. Abey says:

    The Capital One Spark
    spend $4,500 for $500 back ahould definately be added
    Eapecially if you add Amex simply cash
    Which requires 15K spend for $500
    If you spend 15K with the Spark you’d get $800
    Yes Capital One pulls all 3 credit bureaus but its still a top sign up bonus.
    Here is an example.
    If someone tells you that he can’t sign up for the Simply Cash because swiping 15K is a lot even though it gives you 12 months.
    But he can sign up for the Spark because he can afford 1 new inquiry on Trans Union Experian and Equifax.
    Now to that person (who is me) which card has a better sign up bonus??
    And there are a lot of Johns and Jacks in the same boat 🙂
    And dont forget Amex you cant really pay with cash.
    While Capital one you can just walk into a branch.
    It can make a big difference to some people.

  21. Matt Katakis says:

    And this is why Doc has the best blog of all. Thanks for all you do and for keeping things real and unbiased. It does not go noticed.

  22. Josh Fletcher says:

    For the Citi AA Platinum, if you are a current cardholder are you not eligible for the bonus? You mention 24 months for open and close. It’s been 4 years for me (or whenever that 100k bonus was) and i’ve only kept it open because they waive fee every year so I wanted to keep a longer credit history open. Thoughts?

  23. Justin says:

    Applied for Merril Lynch card Thursday. Approved Friday. How long do I have to apply for another Bank of America card on the same credit pull?

  24. NewYork12126 says:

    Awesome post and this is where I’ll be both referring back to and recommending others. I find the consideration of historical bonuses and a realistic valuation of non-cash value perks to be particularly refreshing.

    This blog is quickly becoming the only place I visit on a daily basis and is the only miles/points site to which I subscribe. Awesome work DoC!

  25. Mo says:

    Hey DoC,
    You would obviously know a lot more about this than I would. But, it doesn’t feel like Chase is gonna get rid of the 100k Reserve sign-on bonus any time soon. Why, the whole card intro was based on that bonus. It has also given them a tremendous amount of self-promoting exposure, and puts them on a similar pedestal to Amex. So while Amex is busy fighting churners over leaked links, Chase is laughing all the way to the bank (pun) for being the only one to have a running public 100K personal.

  26. Imapepper says:

    But do any of these beat this one:


    I mean really?

  27. JB says:

    AMEX Everyday Preferred 30k offer is gone. Been trying for 1.5 weeks with various browsers etc. and no luck

  28. ann says:

    has anyone run into the banks asking for the bonus back if you cancel the card soon after you get the bonus?

    • Adam D says:

      they wont if you transfer to a mileage program,if it auto goes there or get a statement credit. just keep it open the 11 months or so to keep you lifetime of the card the highest it can be with no annual fee. as long as u meet the spend youre good, just watch out for refunds.

    • James B. says:

      AMEX has clawed back MRs from some customers that purchased gift cards to meet bonus spend requirements.

      I have not heard of any cases where banks have clawed back points because of canceling the card soon after receiving the bonus.

      I agree with Adam D. that it is best to try to keep the card as long as possible until the annual fee looms above the horizon. Then you must decide on the trade-offs of keeping the card.

  29. alex says:

    Is there an updated list?

  30. bluecat says:

    IF and WHEN you do update this list, please change the date at the header of the post so that your readers know it’s current.

  31. Corridor says:

    What about the Amex Ameriprise Platinum? You get all the perks of the platinum but no annual fee for the first year. You don’t get a bonus but not a bad deal.

  32. Alex says:

    Thanks for the update.

    How about the citi Hilton 75k offer?

  33. Jake N says:

    What about the Ritz card? Is the 3 nights link still active? Good pairing with another non-5/24 card.

  34. Chris says:

    Ink Preferred for 80k not listed??

  35. Abey says:

    This is a good list but how about we do a massive list with every credit card that has a signup bonus over $100 in value.
    (Im running out of credit cards to sign up for).

  36. ag says:

    The Citi Hilton Reserve $100 Statement Credit has expired :/

  37. yu says:

    Why United Explorer Mileage Card is not included? Isn’t it good?

  38. Elias says:

    Doc, how about the ritz 3 free nights with no AF after trick and $300 travel credits AKA gift cards x 2 ? There is still a link in FT.

    This is IMHO the best credit card bonus right now.

  39. James B. says:

    Much of the benefits like the $300 credit by purchasing gift cards is YMMV. Also, the no AF after trick is YMMV.

    If all the YMMV goes through, it is a great offer.

  40. Abey says:

    If youre like me running out of credit cards to sign up for bonus points. I found a card that is unknown to most of us and has some decent sign up value.
    Its Best Western hotel card by First Bank
    Up to 70,000 sign up points which can be worth 4 nights.
    50,000 bonus points after you spend $1,000 within 3 months and an additional 20,000 bonus points when you spend at least $5,000 Within a year. $0 annual fee first year.
    (A free night ranges from 8,000 and 36,000 points).

    • Abey says:

      They also have a business card with up to 80,000 bonus points.
      48,000 bonus points after $1,000 in first 3 months plus 32,000 bonus points when you spend at least $25,000 within first year.

      • Poker Pro says:

        Abey, did you cancel the card then reapply or apply for a 2nd, 3rd, etc cards? If you cancelled did you have to use the points or lose em before you cancelled?

    • Suljaga13 says:

      Highly churnable card. I was able to churn it every 90 days, 3 times so far.

  41. NBG says:

    Today i saw pre approved offers in Amex for my wife and she has the Premier Rewards Gold card with 50K points with $1000 spend in 3 months and no AF. Looks pretty slick. Still haven’t pulled the trigger.

  42. Jim says:

    DP: AMEX Blue Cash Preferred. Received $250 statement credit (no 10% rebate category) today via Firefox incognito/private on first try (versus $150 + 10% restaurant public offer.) Applied/approved.

  43. Adam D says:

    Hey DoC,
    do you have any list with current credit card offers wih low bonus spend requirement? ex; ($0-1000). Or any info on best low spend requirement cards?

  44. Vince says:

    Citi AAdvantage is listed twice on the personal cards list!

  45. irshad says:

    I must start by saying that I joined the credit card bonus’ sign up party pretty late in October 2016. I never knew the possibilities until I started reading DOC website. I now have it bookmarked and try to read it every day. Some great posts by your team and awesome reader comments and contributions.

    In 5 months since October I was able to collect the following bonuses
    Chase UR points (2 CSR (wife and me), CSP, Ink pref bus., United personal, united business)
    Amex (plat., Bus. plat, PRG, Bus. Gold, Green card)
    BoA (Merrill+, Alaska)

    I was also able to get 5 bank signup bonuses (worth 1200 dollars)

    Total worth at least 12000-15000 dollars depending on how I plan on redeeming. Thank you DOC. Really appreciate it.

    • irshad says:

      Forgot to add that I was approved to Ritz carlton card this morning (applied on 03/01). Had to shift 10K credit limit over from CSP to Ritz.

    • Nice haul, glad to be able to help 🙂

      • Irshad says:

        I need some advise regarding spg amex cards. Will I be able to meet minimum spend by getting amex gift cards online on amex website? Will that count as purchase? Sorry for an off topic query. But I couldn’t find a direct reply anywhere online

  46. Justin says:

    What are the chances I can open 2 accounts (only one will get the $300 bonus), to accomplish 4k min. spending (2 x $2000 initial deposits) for the Sapphire Reserve Card, seems like it should work?

    • irshad says:

      Can you pls elaborate what accounts you are referring to? you would like to open two checking accounts and fund with CSR?
      If yes, that would work if the bank allows you to open multiple accounts. or you can open one for yourselves and one for your spouse/somebody else.
      PNC allows you to open multiple accounts and fund each account with 2K. That will be a good option for you

      • Justin says:

        Yes, it would be the CSR card. And I would open 2 virtual wallet accounts using my own info to open both. I realize only one of the accounts gets me my the $300 bonus, but I’m okay with that.

        So the big question is if PNC lets you open multiple virtual wallets using the same SSN?

        • irshad says:

          Orrrrrrrrrrrrr you can try even better option.. Open a Blue federal credit union checking account (it is free; no minimum balance required). You can fund up to 5K with your credit card. CSR min. spend complete in one transaction and you dont have to worry about min. balances on your checking account.

          I am not aware of any PNC checking accounts which are free (i.e., with no DD requirements or min. daily balance requirements)

        • irshad says:

          I have a PNC virtual wallet performance select and I also have savings and regular checking accounts with PNC.
          I never tried two virtual wallet accounts at any one time. So I cant answer that. But I believe it should work.
          You would have to consider the requirements for virtual wallet accounts. They are not free to maintain unless you meet some requirements. Can you have DD in two virtual wallet accounts? If yes, go ahead and try it.

    • MarcoPolo says:

      That’s what I did – opened a PNC virtual wallet performance select with savings account to get the minimum spend requirements for my CSR and it worked.
      But I got a call from PNC asking me why did I open a savings account since virtual wallet performance select is/are actually three accounts with savings account built in.

  47. TU HO says:

    Datapoint: I have currently had 3 charge cards and 3 credit cards. I decided to apply 2 SPG cards (personal and business) and Gold card today. All have been approved instantly.

  48. L3XANDR0 says:

    I think the Chase Freedom and Chase Freedom unlimited should be listed here. Just got approved for a Chase Freedom Unlimited. Currently you can get 10% back on travel booked through Chase rewards portal using either the Freedom or Freedom Unlimited on purchases up to $2500. Additionally, since March 12, 2017, the Chase Freedom Unlimited offers a sign-up bonus of $300, or 30K points, after spending $500 in 3 months. No interest for 15 months. If you have a CSR, the bonus can be worth up to $450. Oh, and 1.5 points per dollar on all purchases for the unlimited. I think this may be an in-branch offer only.

  49. Amanda says:

    I was trying to apply for the 50K Prestige offer but no matter how many different incognito browsers I tried (In Chrome & Safari), it only showed 40K for 4k spend.

    Sooo I tried to look through some low- spend offers for AmEx incognito (I’ve already gotten SPG so was looking for something different) and just got a Premier Rewards Gold Card, 50K points for 2k in spend. Annual fee waived first year. I was approved instantly but unfortunately no instant card number.

  50. Aahz says:

    Haven’t the BCE & BCP bonuses switched from +10% Amazon to +10% Restaurants?

  51. italdesign says:

    I have used IHG pts almost exclusively for Point Breaks, 10-15 nights a year. Definitely possible.

  52. Jonathan Hoffman says:

    I don’t believe one is able to access the Amex EveryDay 25k offer in incognito anymore. The best I am able to pull up is 15k for 1k spend (which is better than the 10k offer but still not that great).

  53. Jamie says:

    I received an offer for the Citi Thank You Premier Card, 50,000 points after $3,000 spend, $95 fee waived first year. Seems good enough to make your list.

  54. Elie says:

    William, I’m a high spender I would greatly appreciate if you can make a list for people in my situation, thanks very

  55. Jian Kang says:

    Hi all perhaps a silly question but at least should be easy to answer 😉

    For those Wells Fargo & US Bank issued American Express cards, do they contribute to the Amex 4 credit card max limit? I assume the Amex limit only applies to Amex issued card, just want to be 100% sure and not waste an additional hard pull.


  56. Robert D. says:

    William, for your consideration –

    1-2-3 Rewards® Visa Card for shoppers at Kroger family of stores (King Soopers & other grocery stores). $75 statement credit after first purchase AND

    An additional 25¢ off per gallon for ONE YEAR each time you redeem 100 fuel points at participating Kroger Family of Companies Fuel Centers

    ..when you apply through this link: by April 30, 2017

    Fairly attractive offer for those with access to a Kroger fuel center.

    Thanks for all the good credit card & bank account bonus tips!

  57. Vince says:

    Under the CSP part of this page, the link where it says “CPC clients” just links to twitter instead of what I assume should be something about CPC.

  58. John says:

    Great list – I appreciate your ethical stand on affiliate links.

  59. Superchurn says:

    Incognito mode in Chrome today yielded surprise bonus offers for Amex PRG 50,000 and Blue Cash Preferred $250+$200 . Netted both for 1 HP on wife’s credit…$1400 worth of value. Yay!

  60. rab says:

    How do you spend $3000-$4000 in 90 days? Serious question.

    • Raj says:

      I pay my rent using the credit card whenever i get a new one to meet the spending requirements.

    • Lots of people just meet it with regular expenses.

    • Curmudgeon says:

      I do it with business expenses. I can often max out the spend requirement with one charge, but I’m not typical. My best so far is a $1000 bonus for $10k spend on Amex Simply cash – met in one phone call to a supplier.

      Other people travel for business using their own cards then submit receipts for reimbursement to their employer.

      Some people have insane monthly rent and use RadPad or Plastiq or something similar to pay their rent for a 2 – 3% fee.

      A lot of people focus on one card at a time and put all their regular spending – insurance, groceries, gas, utilities, etc on that card until the minimum is met, then they get another card and switch to using it.

      There’s more than one way to skin a cat. 🙂

    • lingua says:

      regular expenses will barely meet 4k for me. if I have more than one spending req. than rent with plastiq

  61. garaged says:

    The Merrill+ Online Link is dead again as of Friday evening. Couple DPs on the Merrill article here on DoC as well as on the reddit thread.

  62. audi0l0gic says:

    FWIW: My rent payment through Plastiq using Chase Sapphire Reserve on Monday was coded as Lodging on my account today. Already posted.

  63. MontyFC says:

    SPG should be dropped. Should Marriott 100K offer be added?

    CNB is also probably dead (didn’t check as it has to be applied in branch)

  64. Scoot says:

    AMEX Delta SkyMiles Gold is now offering referral links where newly approved cardholders get 40,000 SkyMiles with $1,000 spending first 90 days and 10,000 for the referral.

  65. Daniel says:

    Marriott 100,000+7,5000 points offer looks great Lol

  66. Mark says:

    Based on most people’s recent responses, the Chase Sapphire Preferred 75k for non-CPC appears to be dead.

  67. zalmy says:

    why isn’t the Barclays Lufthansa 50k bonus included on the list? churnable, and there are some great uses for the miles

  68. Duffman says:

    I though the CNB Personal card had a horrible website. My apologies, CNB Commercial card.

  69. jamesheine says:

    Why is the Merril Card still listed when this is allegedly down. I have tried to get this card and I can’t.

  70. Dusty says:

    Just a note: I don’t believe 50k point offers are currently available for either SW personal cards now that referrals are also down to 40k.

  71. SuddenValley says:

    Just a quick update Will:

    It looks like the 100k Marriott public offer did in fact expire on 5/3/17. Chase could still be matching to it though. Also I can seem to find the SW 50k offers any more (although I didn’t look terribly hard). Don’t know if this is the right place to report these; let me know if there’s a better way to let you know.

  72. Nick says:

    DP for Wells Fargo Propel World card on 5/23/17 for approval in-branch with 40k point sign-up bonus for someone with an existing WF checking account. Attempted via phone earlier that day and was offered the card, but without the sign-up bonus.

  73. zalmy says:

    Not saying this is that great an offer, especially since it’s 5/24, but when you book a room through Marriot, (or at least in my case they did), they offer you an alternate signup bonus of 2 free nights at any category 1-5, plus a $200 statement credit AND the annual fee is waived. So you’re technically getting a value of 60,000 points plus $200 with no fee. Not as tempting as getting Marriot points to transfer into SPG, I know, but useful if you’re actually planning on staying at some decent Marriots.

  74. Steven says:

    WELLS FARGO CASH WISE VISA $200.00 bonus

    (Saw this when I logged on to my Wells Fargo Checking)

    Card benefit details

    NEW: Online Only Promotion – Earn $200 cash rewards bonus when you spend $1,000 in net purchases in the first 3 months your card is openedImportant Information and Footnotes 1 – Popup
    Enjoy earning unlimited 1.5% cash rewards on net purchases that do not expire as long as your account remains openImportant Information and Footnotes 2 – Popup
    Plus, enjoy earning additional cash rewards on mobile net purchases made using Android PayTM or Apple PayTM during the first 12 months from account openingImportant Information and Footnotes 3 – Popup
    $0 Annual Fee. Credit Terms and Conditions

  75. boomX says:

    Travelite from FBNO is removed from the website eff 6/1 I think. You can remove from the list.

  76. Ross says:

    This article says that the Citi Prestige bonus is 50,000 as of June but I can’t seem to find it anywhere. Do you or anyone else have a link?

  77. Carrie says:

    I just got a targeted offer from Citi for an AAdvantage Platinum Select card–65,000 bonus miles by conforming to the following: “Earn 55,000 bonus miles after spending $4,000 within the first 4 months of opening your account, plus earn 10,000 bonus miles after spending a total of $6,000 within the first 12 months of opening your account. Also, enjoy a 0% intro APR on purchases for 14 months of the date of the account opening.”

    • Good offer, shame it’s targeted.

    • Saturn says:

      But if you don’t have this card yet you might as well apply under the public offer if you pull up an ad for 60k miles for $3k in 3 mo.

      The mail offer’s attraction is the fact that it will give you the bonus miles even if you currently have this card. That is not the case with the general app online.

      In theory, if you don’t have the AA Plat now, you could start with the public offer for 60k, complete the spend and collect the miles. Then lower the credit limit of the card and apply a second time with your mailer code. If you have a 9 digit code it should be good for another 60 days after expiration.

  78. Anna H says:

    Link seems dead for Citi Hilton 40,000 point no annual fee card with no 24 month language. Maybe temporary glitch?

  79. Gabriel Flores says:

    Citi Hilton 75,000 offer is no longer available.

  80. Stu says:

    Based on DOC description and recommendation, just applied for Blue Business Plus 20,000 Points through link you listed (20k offer unavailable to me upon logging into AMEX website). Application came back as “Under Review” but received call next day asking me to contact AMEX CS. Told I have too many AMEX cards (combined personal and business) but if I close one (any type) they could replace it with Blue Business Plus. Very simple, courteous customer service experience. So far, so good. No hard credit pull. Glad to have the 20k point eligibility and sounds like a good card with 2x MR points. Thank you

  81. Aleks says:

    Same Hyatt Card listed twice.

  82. Pavel says:

    The Citi Premier was mistakenly added under Citi Prestige name.

  83. Darv says:

    You might update the second entry under personal cards to “Premier.” The offer is for a Citi Premier card, not Prestige.

  84. Mark says:

    So guys, how many cards is too many and can you honestly tell me if I’ve gone overboard with this little hobby of mine? How have I done with the mix of cards I currently have (below)?

    Accounts closed out in the past few years: US Bank Cash+; Chase Sapphire Preferred; CapitalOne Venture

    Some Excel spreadsheet calculated stats:
    AAoA (Open Account) = 7.4 years
    Tot CL = 302,600
    Avg age of oldest 3 TLs: 15 years
    Ave age of newest 3 TLs: 5 months
    Average APR across all trade lines: 17.11%
    Average CL across all trade lines: $23,277
    Total utilization: 02%

    Macys: 10k;
    Amex: Cash 24.5k;
    Discover: IT 21.5k;
    Citi: Double 33.7k;
    Barclays: Upromise 30k; CashFwd 12k;
    WF Cash 31.5k;
    Chase: Freedom 25k; Fdm Unlmtd 23k;
    BOA: Cash 123 49k;
    TD Bank: Cash 17.5k;
    Capital One: Premier Dining 15k;
    Santander: Bravo 9.9k

    • V says:

      That’s a personal preference, I have a colleague who mentioned that three credit cards is too many. On the other hand, I had 18 credit cards until recently.

      Old, unused cards:
      Chase x3
      Citi x3
      BoA x3
      CapitalOne x2
      Barclay Arrival+
      Discover x1

      Actively being used:
      Chase x3
      Citi x1
      WFargo x1.

      I also manage other family members’ churning and there are another 30-45 cards that I manage on my spreadsheet, with most of them dormant no-AF cards.

      I recently handed over my family memebers’ churning “business” over to them but I am still managing 3 other people’s accounts.

      I also took the plunge and started closing out unused cards while keeping the oldest one alive, and transferred credit limits where possible. I still have 13 open credit cards accounts of my own!

  85. Darv says:

    Hi William. I’m interested to know why the US Bank Altitude Reserve card is not on this list. Care to share?

    Thanks for maintaining this list!

    • Sa says:

      I would like to know the reasons too. Or just forgot? At least for the first year the US Bank Altitude Reserve is a solid offer

      • Darv says:

        Wife just got the card. We’re heading to Europe next June for three weeks so we’ll chew up the $325 in travel credits easily and organically. That leaves $75 for 50,000 points which we will likely redeem for hotels or flights on a trip the following year. That’s $750 less $75 for the fee so $675 for the first year.

        That travel credit is pretty sweet on this card. I’m not sure if we’ll keep it beyond year one, but given how broad their travel credits are and some other benefits the card has, it might be worth $75 a year to keep. We’ll be traveling a lot so I won’t be discounting those credits in our case.

        It’s an excellent card. They sure do a great presentation for it, too. Our banker was excited to tell us about it and get us approved, and then the box they send it in is impressive.

  86. WR says:

    No Chase Ink Preferred? I think that’s the best offer out there now if you can get it.

  87. Matt Cupples says:

    If you had the IHG card for ~3 years, cancel it today and sign up for another today, are you eligible for the 80k signup again? Or do you have to have the card closed for two years to be eligible? Same question with the United Explorer card.

  88. AndyK says:

    The Barclay CashForward Mastercard $200 after spending $1000 doesn’t make the cut? I just this week hit the $1000 spend threshold and bam the $200 bonus was credited. No interest either for 15 months, 1.5% cashback on everything. I know you posted about it Doc and thanks, it’s a good ‘un 😉

    • zap says:

      Huh? It’s a $200 bonus reward on the CashForward card, so it doesn’t get credited automatically–you have to manually redeem it. Since there’s a 5% bonus per redemption ($50 minimum per redemption), to maximize value, one should redeem the $200+any spending bonsu, at $50 a pop (earning $2.5 toward the next redemption), rather than redeeming the $200+ all at once.

  89. Alex says:

    Southwest Personal Plus and Premier are now 40k instead of 60k.

  90. Sami says:

    just got an email from JetBlue offering 40K TrueBlue points signup bonus for the JetBlue Plus Card. Says the offer is good until 1/31/18. AF ($99) not waived for the first year.

    as far as i know, this is the highest offer for this card. my wife got the 30k bonus a few months ago

    just Googled and see a /r/churning post with the same info:

  91. Charlie says:

    Great list. I look forward to it each month.

  92. Datapoint says:

    Another Amex Premier Rewards Gold offer but with only 1000 spend to get 25,000 points or 250 cash back.

    Any downside to this one and the previously posted 2000/50,000 offer ?


  93. eli232 says:

    on the search, there’s also a 30k SPG offer that might make the list

  94. Krish says:

    All these are for airline/hotel points, any good offers for cash?

  95. jpv says:

    “Hopefully these stay around for a few more months, then you can time it so the points post in early 2018 giving you the companion pass for all of 2018 and 2019.”

    What’s the best time to apply to time it in this way?

    • Anony Mouse says:

      Apply on October 4th, 2017, complete spend in late December 2017 or early January 2018 so that you get the 60k SW RR points on the statement that closes in January 2018. Some folks are likely going to change their statement close date to make this easier to do (i.e. change statement close date to the 15th of the month, complete spend on 1/5/2018, get 60k points on 1/15/2018).

  96. Darv says:

    No love for the just released Hilton 100k/free night offer?

  97. Just stumbled upon a site and it made me realize how MUCH MUCH MORE infinitely resourceful and well researched DoC is.. They can plagiarize the name but never the commitment.

    Much gratitude and thanks to everyone who puts all of this together.

  98. CreditHunter says:

    Can you make a section on this page for cards with no annual fees?

  99. escot says:

    Given attention in this forum to MasterCard offerings of late — (re. plastiq), could be useful to add some identification (top line for each) to each cards, as to whether or not it’s visa/mc/ amex/ect. Off hand, the BA Amtrak card fits the bill. Any others?

  100. David says:

    Just tried signing up for this, was sent in circles several times. Bounced between BoA, Merrill, and an automated system.They don’t seem to want anyone to get the card any more, please let me know if anyone else finds a way.

  101. David says:

    Sorry, that was for the Merrill Plus card

  102. Ann says:

    Why is the Chase business preferred 80,000 offer not on the list? Is there something I dont know about it? Thanks

  103. JL says:

    Shouldn’t you remove the Merril Plus? I thought it’s gone already because of the new BoA Premium Rewards Card

  104. Chan Le says:

    Why did you remove chase ink preferred 80k / 100k bonus? 😀

  105. Fork says:

    I think the citi business AA 60K is dead.

  106. Gus says:

    The Citi CC page no longer has 50k/75k signup bonus offers for Premier/Prestige. (No signup bonus at all.)

  107. Gus says:

    Any predictions on when the Citi TY bonuses will return? (Some of us are waiting for the 24 month clock to run out, so couldn’t do the recent ones.) It seems like the Premier had low or no bonus for over a year, then only had this higher bonus for a couple of months.

  108. Jeff H says:

    Too many travel dependent cards in the DoC list. Those of us who do not travel are left in the desert given the low valuation of the cards not travel related.

  109. Gadget says:

    DoC, Citi Premier 50K link that was found on Reddit needs to be returned to this page. Thank you.

    Since I was shot down for the Merrill, and now the BoA premium, I am kind of restless. I want to go for this, but not looking forward to 4K in spend and not sure I want another inquiry, or another card for that matter. Debating… I don’t like MS…

  110. Charles says:

    I believe the 60K bonus on the personal Southwest cards is no longer available.

  111. John says:

    What success is anyone having with getting a retention bonus on renewal of the CITI Prestige card?

  112. Adam D says:


    I just called, rep said it is only a 20K points initial bonus now…Same $3,000 spend within 3 months. Not worth it. Rep said offer changed a few weeks ago, will not honor old 40K bonus when I inquired. I will HUCA in near future, please reply if youve called at have received 40K offer still.

  113. shogun says:

    That makes this bonus worth $388 & $756 in JetBlue/Hawaiian flights.

    your missing the word ‘between’

  114. Geoffrey Stuart says:


    Thx for the Recent Changes section. Very handy in this fast-moving field.

  115. Mt says:

    Quick question: the CSP and Chase freedom are on my list to apply for next. Would it be possible to go in-branch and apply for both? Does that generally combine pulls?

  116. Ann says:

    Where is the link to the list of best offer ever on each card.. so I can compare to current offers.. thanks

  117. Senthil says:

    Awesome: Thank you.. I followed your script and got the 100K offer. ( Note: I did try few days earlier and did not get the offer. So, it might be worth trying a second time ).

  118. Puja says:

    Can one apply both for Chase United Personal and Business credit cards at same time or one after the other or is it only one card Bonus offer per 24 months for chase (Irrespective of Personal/Business cards) unlike AMEX and Citi Products?

    Also Both United Personal and Business cards open more availability to Look for Saver award travel availability?

  119. Kinecta MyPerks MasterCard

    No Annual Fee
    3% on gas (up to $6,000 in annual purchases)
    2% on groceries (up to $6,000 in annual purchases)
    1% on other purchases, unlimited.
    Up to 20% additional cash back as an annual Relationship Bonus.
    Cell Phone Protection (when you pay phone bill with your new card)

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