Updated April 2021.That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Venture 100k/$1,000, IHG 125k+Free Night, Sapphire 80k/$1000, Delta 70k, Hilton 100k + $100 w/ no annual fee.
  • Removed Southwest w/ Companion Pass, JetBlue 60k, Hyatt 50k, United 70k, Freedom Flex Grocery offer, Barclays AA, Marriott 5 Free Nights.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Chase Sapphire Preferred Card

  • 80,000 Ultimate Rewards points (highest ever, worth $1,000 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
  • + Up to $50 in statement credits towards grocery store purchases. Just spend $50 at any grocery store in your first year after opening, and get $50 in statement credits.
  • Pay Yourself Back: 80k points = $1,000 back on dining, groceries, and home improvement through 9/30/21.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 60k bonus worth $900 towards UR travel. Up to 50% boost on Ultimate Rewards redemptions, 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.

Capital One® Venture® Rewards Card

  • 100,000 miles (worth $1,000 towards travel) after $20,000 in purchases within the first 12 months. See link for details.
  • 2X miles on ALL purchases..
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

IHG Rewards Club Premier Card

  • 125,000 IHG Rewards club points + 1 Free Award Night after $3,000 in purchases within the first 3 months. Award night up to 40k points value. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
  • $89 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version is now at 60,000 IHG points.

Gold Delta Skymiles Card from American Express

  • 70,000 Delta Skymiles after $2,000 in purchases in the first 3 months. Limited-time offer expires 04/28/2021. See link for details.
  • 70,000 Skymiles are worth at least $700 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Hilton Honors American Express Surpass Card

  • 150,000 Hilton Honors bonus points after $2,000 in purchases within first 3 months. Limited-time offer. See link for details.
  • Additional $150 statement credit after first purchase of any amount within first 3 months.
  • Weekend Night Reward certificate after you spend $15,000 in purchases in a calendar year.
  • $95 annual fee.
  • You can also get 100,000 points + $100 for their no annual fee version.

American Express® Rose Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at at restaurants worldwide.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

The Platinum Card from American Express

  • 75,000 Membership Rewards points after $5,000 in purchases in first 6 months. See link for details.
  • 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
  • $200 in Uber/Uber Eats credits annually.
  • 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Best airport lounge access program including Delta SkyClub and exclusive Centurion lounges.
  • $550 annual fee.

Citi / AAdvantage Platinum Mastercard

  • 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hawaiian Airlines World Elite MasterCard

  • 60,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

U.S. Bank Altitude Reserve Credit Card

  • 50,000 bonus points ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
  • $325 in annual statement credits towards travel and takeout, food delivery and dining purchases per Cardmember year (based on account opening date)
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Priority Pass Select membership for airport lounge access.
  • $400 annual fee. (Bigger bonus, big annual fee.)

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

Top 10 Best Credit Card Bonus Offers – April 2021 (Updated) from My Money Blog.


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