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Each month, I post a list of the best credit cards available. I pay particular attention to the best travel credit card deals.
It's a great time for you to get your points earning strategy in place, so that youre ready to book your dream trip when it comes. This is especially true when we consider the current best credit card welcome bonus offers that we have ever seen.
There are many excellent credit cards offers that have been around for a long time, but the details of the best offers are always changing.
You can skip this post if you don't read my blog daily. But for me, it is a place I use to help people who are interested in applying for cards. This is a question that I receive on a daily base.
Credit card offers: Why you should care
Most people want to travel more, but don't know how. A credit card that adds value is one of the best ways you can improve your travel experience.
This is the truth, after all
Etihads 787 business class
This is what you should be doing.
Etihads 787 economy class
This is truer than ever in the coronavirus era, when more space has been the ultimate luxury.
Three main points to remember when applying for a credit-card:
You can earn bonus points by signing up for the card, making a purchase and spending some money. This usually ranges from one purchase to several thousand.
How many points are you eligible to earn by signing up for the card, spending a certain amount and making a purchase. The rewards structure allows you to choose a credit card that gives you bonus points for purchases in the top categories such as dining, groceries, gas or airfare.
Choose a credit card with bonus points in the areas you spend most, such as dining, groceries, gas, or airfare. The perks offered by some cards are worth the annual fee. For example, hotel credit cards that have annual fees below $100 offer free night certificates that can redeem at hotels that charge $300+ per night.
You should have so many credit cards
This post will focus on the welcome bonus, which can be one the most effective ways to quickly get rewarded. A good credit card bonus can often be enough to get you an international flight in first or business class. Many people would assume that this is impossible.
15 Best Credit Cards Offers September 2021
Let's take a look at the top credit card welcome bonus offers this month. These are my top 12 favorites:
Current Offer: 100,000 Ultimate Rewards Points after Spending $4,000 in Three Months
Annual fee: $95
It's a great deal: The card offers the highest-ever welcome bonus and is arguably the most generous credit card bonus. This bonus includes a large welcome bonus, a low annual fee and a reasonable spending requirement. The card has undergone major changes recently, making it more profitable than ever.
You can earn bonus points for dining and traveling, as well as great protection when you travel. Ultimate Rewards points can also be transferred in a 1:1 ratio to Singapore KrisFlyer or United MileagePlus. The welcome bonus I received on this card is worth $1,700.
Learn more about Chase Sapphire Preferred (apply to the Chase Sapphire Preferred).
Use your Ultimate Rewards points to redeem for Park Hyatt Maldives
Current Offer: Earn up to 150,000 MileagePlus miles for every $5,000 spent within 3 months. You can also earn an additional 75,000 miles if you spend $20,000 in the first 6 months.
Annual fee: $99
It's a great deal: The card offers an amazing bonus that is among the largest publicly available bonuses. The card also offers great perks, such as two United Club Passes per year, priority boarding, savings on your inflight purchases, and free first checked bag. The welcome bonus for this card is worth $2,000. I value United MileagePlus points at 1.4 cents per.
Find out more about the United Business Card.
MileagePlus miles can be used to travel in United Polaris
Current Offer: 100,000 Ultimate Rewards Points after Spending $15,000 in Three Months
Annual fee: $95
This is why it's a great deal: Ink cards offer generous category bonuses that allow sole proprietorships or small businesses to maximize their credit card points. The card gives 3x points for the first $150,000 in combined purchases on travel and shipping.
This card is good for everyday spending and the welcome bonus. The Ultimate Rewards points I value at 1.7c each are worth $1,700.
Find out more about the Ink Business Preferred. Apply for the Ink Business Preferred.
For a stay at Park Hyatt Milan, redeem Ultimate Rewards points
Current Offer: Earn 80,000 ThankYou Points for every $4,000 you spend within the next three months
Annual fee: $95
It's a great deal: This mid-range, transferable points card is currently offering the best ever welcome bonus. The card offers excellent bonus categories such as 3x points for gas, dining, grocery, and air travel. It also gives you a $100 annual credit for hotels. Citi ThankYou points are worth 1.7 cents each. This card's welcome bonus is worth $1,360.
Find out more about Citi Premier (apply to the Citi Premier).
Redeem ThankYou Points for EVA Air Business Class
Current Offer: 100,000 Avios for Spending $5,000 in Three Months
Annual fee: $95
This is why it's a great deal: Although these cards are different, they all offer the same outstanding welcome bonuses and points can be transferred between Avios programs. You can compare the perks of each card here.
Learn more about Aer Lingus Visa (apply to the Aer Lingus Visa), the British Airways Visa (apply to the British Airways Visa), and the Iberia Visa.
Redeem Avios for travel in British Airways first class
Current Offer: Earn up to 100,000 United MileagePlus Miles after you spend $5,000 within 3 months. You can also earn an additional 20,000 bonus mile after you spend $10,000 within 6 months.
Annual fee: $250
It's a fantastic deal: This card is brand new and offers a tremendous value proposition. The card comes with a large welcome bonus and valuable perks such as a $125 United credit per year, 10,000 MileagePlus points back each year when you redeem miles, plus many perks for flying United. The bonus miles on this card can be worth up to $1400. I value United MileagePlus points at 1.4 cents per.
Find out more about United Quest (apply to the United Quest).
Earn MileagePlus miles to travel in SWISS business class
Current Offer: 100,000 Membership Rewards Points after Spending $6,000 in the First Six Months; also, earn 10x points for eligible purchases at restaurants around the world and when you Shop Small here in the United States. You can earn up to $25,000 combined in purchases during the first six month.
Annual fee $695 (Rates and Fees).
It's a great deal: Amex Platinum has been refreshed recently and, while it comes with a higher annual cost, it offers many great perks. You can earn 100,000 points and 10x points in the most popular categories. This gives you a remarkable 17% return on your spending. Amex Platinum offers perks like a $200 annual airline credit, $200 annual Uber credit and $179 annual CLEAR credit. You can also get $100 annual Saks credit, lounge access, lounge access, and more.
Learn more about Amex Platinum (apply to the Amex Platinum).
Access Amex Centurion Lounges in conjunction with the Amex Platinum
Current Offer: 75,000 Points after Spending $7,500 in Three Months
Annual fee: no annual fee
This is why it's a great deal: Although these cards are different, they offer the same sign-up bonuses. They also don't have an annual fee. Ink Cash gives 5x points for purchases in useful categories (on the first $25,000 per year of cardmembers on office supplies, internet and mobile phones and landlines), while Ink Unlimited grants 1.5x points on all purchases.
Points can be combined with Ultimate Rewards points from cards such as the Chase Sapphire Reserve Card or Chase Sapphire Preferred Card and Ink Business Preferred Card to pool them. If you have both these cards and one that accrues premium Ultimate Rewards points, the welcome bonuses are worth $1,275 each.
Learn more about Ink Business Cash (apply to the Ink Business cash), and learn more about Ink Business Unlimited (apply to the Ink Business Unlimited).
Use your Ultimate Rewards points to book a Singapore Airlines Suites flight
Current Offer: Get 70,000 Membership Rewards Points after you spend $10,000 in the last three months
Annual fee: $295 (Rates and Fees).
This is why it's a great deal: The 4x point categories make this one of the most valuable Amex business cards to earn Membership Rewards points. The welcome bonus is worth up to $1,190.
Learn more about Amex Business Gold. Apply for Amex Business Gold.
Use Membership Rewards points to redeem for travel in ANA Business Class
Current Offer: Earn 80,000 Rapid Rewards Points for every $5,000 spent within the next three months
Annual fee: $199
It's a fantastic offer. The Southwest Performance Card offers a generous welcome bonus and a very low spending requirement. The card comes with a lot of great long-term perks such as anniversary bonus points, Wi-Fi on Southwest, upgraded flights, and many other perks. The welcome bonus for this card is worth $1.040 to me. I value Southwest Rapid Rewards points as 1.3 cents per.
Learn more about Southwest Performance Business. Apply for Southwest Performance Business.
This card makes it easier to earn Southwest Companion Passes
Current Offer: Get 60,000 Membership Rewards Points after you spend $4,000 in the last six months
$250 annual fee (Rates and Fees).
It's a great deal: Amex Gold recently received a 60K point bonus, which is one of the best deals we have seen. It offers 4x Membership Rewards points for dining, 4x points U.S. supermarkets for purchases up to $25,000 per year (then 1x), and Uber Cash & Uber Eats benefits. The welcome bonus is worth up to $840.
Learn more about Amex Gold (apply to the Amex Gold).
Uber benefits are available through Amex Gold
Current Offer: Get 60,000 miles and a companion fare with the Mileage Plan after you spend $3,000 in 90 days
Annual fee: $25 for the company and $50 per annum
It's a fantastic offer! The Alaska Business Visa Card has amazing perks like a 50% discount on Alaska Lounge Day Passes, 20% off inflight purchases, an amazing welcome bonus, and more. Alaska miles are worth 1.8 cents per piece, so the $1,080 welcome bonus is worth it to me.
Learn more about the Alaska Airlines Business Card. Apply for the Alaska Airlines Business Visa.
Alaska miles can be used to travel in Japan Airlines business class
Current Offer: Get 60,000 Venture Miles after you spend $3,000 in three months
Annual fee: $95
It's a great deal: The Capital One Venture Card offers great perks and is one of the easiest and most rewarding travel credit cards. Capital One miles have recently become more valuable. Capital One Venture miles are worth 1.3 cents each. This means that the $780 welcome bonus is worth $780.
Get more information about Capital One Venture.
Earn Venture miles to travel in Emirates first-class
Current Offer: 150,000 IHG Rewards Club Points after you spend $3,000 in the last three months
Annual fee: $89 annually, waived for the first year
It's a great deal: The card offers a remarkable welcome bonus and many perks that make it worth keeping. You get an anniversary certificate and a fourth night free when you redeem award points. IHG Platinum status is available for as long as the card is active. I value IHG points at 0.5% each. Therefore, I value the $750 welcome bonus.
Find out more about IHG Premier by applying for the IHG Prime.
Redeem IHG points on the InterContinental Maldives
Current Offer: Earn up to 130,000 Hilton Honors Points after spending $1,000 in three months. You can also earn an additional 50,000 points if you spend $5,000 within six months. The card currently offers a two-part bonus that could earn you up to 130,000 point.
Annual fee: no annual fee (Rates & Fees)
It's a great deal: The personal card with no annual fees is currently offering a very attractive bonus. You get a fifth night for free when you redeem your award points. Hilton Honors Silver status is another great perks that the card offers. Hilton Honors points are worth 0.5 cents per, so I value the welcome bonus at $650.
Find out more about the Hilton Honors Card.
Redeem Hilton Honors Points at Waldorf Astoria Amsterdam
Guidelines for applying for credit cards
Make sure you are familiar with the credit card application rules of each bank before applying for cards
People often believe that applying for credit cards will harm their credit. Actually, the opposite is true. If you manage your credit responsibly (and pay your bills on time), then your credit will be safe. Credit cards can help improve your credit score.
Last but not least, credit cards should be applied for responsibly. Only apply if your self-control is strong and you won't get into debt. Also, you must pay the balance every month. Otherwise, you will lose any rewards.
The Best Credit Cards
These are only a few of the top credit card offers available right now. There are many more.
Consider applying if you are already interested in miles and points, but don't have any of the cards mentioned above. You can now get started if you are new to miles and points (and I believe something like the Chase Sapphire Preferred or Citi Premier Card or American Express Gold Card are great options).
These links will take you to the fees and rates for American Express Cards. These are: American Express Business Gold Card Rates & Charges, American Express Gold Card Rates & fees), Hilton Honors American Express Card Rates & Freebies, and The Platinum Card From American Express (Rates + Fees).
