Top 10 Best Credit Card Bonus Offers – July 2019

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Updated July 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would personally apply for right now, if I didn’t already have most of them. Notable changes:

  • Hilton Surpass – limited-time offer.
  • Barclays AA card – improved 60k offer.
  • Delta AmEx limited-time offers expired.
  • Hawaiian – improved 60k offer.
  • Capital One Venture – replaced Savor.
  • Chase Sapphire Preferred – improved 60k offer.

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. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class 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.

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.

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.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 3X on Travel and Dining, Priority Pass airport lounge access, $450 annual fee, $300 annual travel credit.

Hawaiian Airlines World Elite MasterCard

  • 60,000 bonus miles after $2,000 in purchases within 3 months. 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.
  • $0 annual fee for the first year, then $99.

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.

  • 60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
  • $99 Companion certificate offer. Earn a certificate good for 1 guest at $99 ( taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

Hilton Honors American Express Surpass Card

  • 130,000 Hilton Honors points + free weekend night certificate after $4,000 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Additional free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Free Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • $95 annual fee.

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.

Capital One Venture Rewards Card

  • 50,000 miles (worth $500 towards travel) after $3,000 in purchases within the first 3 months. See link for details.
  • 2% cash back on ALL purchases. Plus earn 10X miles at Hotels.com through January 2020.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $0 annual fee for the first year, then $95.

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.
My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.



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Comments

  1. While travel-based rewards are lost on me as I don’t go anywhere, the Capital One Savor card piqued my interest. However, I have a policy of never again paying an annual fee.

    There is a “no annual fee” version of this card that pays 3% cash back on dining. However, I already have the Citibank Double Cash card which pays ~2% on all purchases. An extra 1% on one category and have to carry yet another card is not worth it for me.

    I’ll carry an additional card, e.g., Discover It or Chase Freedom, for the 5% category, though.

  2. It isn’t about the 4% its about the 500$ bonus for 3k spend, take out the fee looking at 405 which is a 13.5% return not including the 1 to 4% you’d get back from the card, so looking at a minimum 14.5% return, which is significantly better than your 2%

    • I signed up for the capital one saver card and I am trying to make a go of it as a permanent card in my rotation as I am pretty sure we’ll easily clear the $200/month it takes to cover the $95 fee given fast food is considered dining. I have given up on these “rotating category cards” as it is a pain to keep up with and keep my wife on the same page. We are currently running a 2% cash back fidelity, 5% target red card, and the Amex Preferred which I only use for groceries (6%) and gas (3%)…. we’ll see if the math works out on this one beyond the $500 sign up.

      • I solved the problem with keeping my wife and I on the same page with rotating category cards. I use my label maker to label each card for that quarter.

  3. Amex has a no fee card that pays 3% on supermarket purchases including Wholefoods and I think 2% on gas and they have second version that pays 6% on supermarkets and 3% on gas but it has an annual of I think $75. Both are 1% on everything else and then there are occasionally some attractive other cash back bonus offers.

    I’ve had both…they are both good cards….and even with the annual fee they beat Citi’s 2% at least for me.

  4. Can you recommend any cards with embedded priority PIN?

  5. The annual fee for Amex’s Blue Cash Preferred card is now $95, up from $75 about 2 years ago. Still worth it for my family as we buy lots of groceries, but it warrants a more careful look before signing up.

  6. well wisher says:

    Outside of sign up offers, nothing beats citicards 2% back on everything and no annual fee. No thinking or planning involved.

    • Joshua Katt says:

      Absolutely, I’ve gone that route after 20+ years of playing the game and amassing tons of travel points & miles that devalue before I can use them up. If a Costco member anyway, throw in that card for 4% gas, 3% dining and call it a day. Maybe throw in the Discover to max out the quarterly 5% bonuses ($75) with giftcards.

  7. Bank of America has increased it’s bonus on their Cash Rewards card. They now offer a $200 online cash bonus after spending only $500 in the first 90 days of opening the account. That’s 40% back on the first $500!

  8. Doctor of Credit is reporting the Chase Hyatt is now subject to 5/24.

  9. David Stone says:

    I know you can fund vacation and get rewards back for sign ups but most of the good ones have annual fees.
    Do you open them for a year and cancel or do you have a ton of credit cards with annual fees?
    I’m curious because I’ve taken advantage of credit card sign up bonuses with no annual fees except for Starwood and hyatt cards which I use for work so I’ve run out sign up bonuses unless I move to annual fee ones.

    • I view the first year as a trial. They entice me with a sign-up incentive, and in turn I give each card a real chance to earn my business, based on the quality of perks, ease of redemption, customer service, and so on. Many of these cards might become worth it because they have started adding perks linked to the annual fee like free award nights. For example, I did pay the big annual fee for the Chase Sapphire Reserve because I think of the effective annual fee as only $150 after the $300 annual travel credit, and I am easily able to get a minimum of 1.5 cents per point value out of Ultimate Rewards points (and earn them quickly via 3X on restaurants and travel + even those earned at 5X on Chase Freedom). But then again, they hurt the benefit on the Priority Pass lounge access as it doesn’t allow me to bring the entire family anymore. If they don’t stack up, then I cancel them. Canceling a card does not hurt your credit score in a significant manner unless you only have like two cards and you just cut your total credit limit in half.

  10. Jonathan, do you do a “best bank savings account bonus offers”? I just found a Capital One 360 Money Market account offering a $500 bonus that I’m considering. Wondering if I can find any news that here, or if not, I would recommend it as it would be a huge service to your readers (especially for the banks that also offer a decent interest rate like this one at 2%).

  11. Graham Weedon says:

    Thanks Jonathan! This article reminded me to take a closer look at our real return on our Citi Costco Visa (1.3% ‘blended’ rate). Just last night I opened a Citi 2% card. I plan to still use the costco card for the 3 & 4% categories (if i remember 🙂 but won’t lose much sleep if i don’t because a steady 2% is solid. We put everything on the card and pay in full each month so 0.7% will be several hundred dollars extra for us! We also have the Fidelity 2% rewards card but have historically preferred the cash ‘now’, but that is changing as our situation is improving and may reconsider using the Fidelity card more.

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