Best credit card offers

This page contains the best publicly available credit card offers. With some of the offers shown below, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com

On this page you’ll find the best publicly available credit card offers. If you’re looking for the best credit cards for spend, click one of these links: Best Category BonusesBest Rewards for Everyday Spend, Best Big Spend Bonuses.

If you find the list of great offers below overwhelming, you may be interested instead in Greg’s curated list of favorite offers: Greg’s Top Picks.

Best Credit Card Offers (sorted by first year estimated value)

Best Consumer Card Offers
Best Business Card Offers
Best of the Best Offers Best Low Spend Offers Best Business Card Offers
Best Airline Card Offers Best Hotel Card Offers Best Cash Back Offers

 

American Express Credit Cards

Note: American Express is a Frequent Miler advertiser

Amex
App
Tips
1 welcome bonus per lifetime Better offers may be available. Click for details. Hard inquiries are combined into 1 when approved same day You can have max 5 Amex credit cards and 10 Pay Over Time cards
Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application (and they don’t usually issue a hard pull when approved if you’re an existing Amex cardholder).  Plus, they’ll warn you during the application process if you’re not eligible for the bonus.
Max 2 credit cards in 90 days, but no known limit for Pay Over Time (charge) cards
Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

American Express Credit Cards / Membership Rewards

Also see: Amex Airline Credit Cards, Amex Hotel Credit Cards, Amex Cash Back Credit Cards

American Express Credit Cards / Airlines

Also see: Amex Membership Rewards Credit Cards, Amex Hotel Credit Cards, Amex Cash Back Credit Cards

American Express Credit Cards / Hotels

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Cash Back Cards

American Express Credit Cards / Cash

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Hotel Cards

Bank of America Credit Cards

BOA
App
Tips
3/12 Rule: Difficult to get approved if you’ve opened 3 or more cards with any bank in past 12 months (7 cards in 12 months for those with deposit accounts) To get same card again, some cards require waiting 24 months from opening. Others require waiting 24 months from closing. Consumer card applications: Limit 2 per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months. Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining. YMMV. BOA may enforce a 5 personal card limit
Click here to check your application status
If denied, call reconsideration here: 800-732-9194 (8am-7pm ET Mon-Fri); 888-782-7717 (business cards);

Barclays

Barclays
App
Tips
No known rules against getting same card & bonus again, but getting approved may be difficult. Hard inquiries combined into 1 when approved same day
Consumer: Click here to check your application status
Business cards: Click here
If denied, call reconsideration here: 866-710-2688

Capital One

Capital One
App
Tips
Current or previous consumer cardholders are not eligible for a card if they have received a new cardmember bonus for the same product within the last 48 months. Usually must wait 6 months after application before applying for another Capital One card Most credit inquiries go through all 3 bureaus
To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Chase Credit Cards

Chase
App
Tips
Must wait 24 months after previous bonus to signup for same card. Sapphire cards require 48 months. No wait required for Ink cards. Better offers may be available. Click for details. 5/24 Rule: Usually won’t be approved if you’ve opened 5 or more cards in past 24 months Hard inquiries combined into 1 when approved same day Usual max 2 new cards per month (but rule seems to vary)
Under very rare circumstances, signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk.  See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Chase Credit Cards / Ultimate Rewards

Also see: Chase Airline Cards, Chase Hotel Cards, Chase Cash Back Cards

Chase Credit Cards / Airlines

Also see: Chase Ultimate Rewards, Chase Hotel Cards, Chase Cash Back Cards

Chase Credit Cards / Hotels

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Cash Back Cards

Chase Credit Cards / Cash Back

Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Hotel Cards

Citi Credit Cards

Citi
App
Tips
With most Citi cards: Must wait 48 months after receiving welcome bonus for same card. Hard inquiries are NOT combined when approved same day Max 1 personal card per 8 days Max 2 personal cards per 65 days Max 1 business card per 95 days
Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Citi Credit Cards / ThankYou Points

Also see: Citi Airline CardsCiti Cash Back Cards

Citi Credit Cards / Airlines

Also see: Citi ThankYou Cards, Citi Cash Back Cards

Citi Credit Cards / Cash Back

Also see: Citi ThankYou Cards, Citi Airline Cards

Discover

Discover
App
Tips
No known rules against getting same card & bonus again, but you must wait just over 12 months from previous app. You can have maximum of 2 Discover cards. 1st card must be open for a year before applying for second.
Click here to check your application status
If denied, call reconsideration here: 888-676-3695

TD Bank

TD App
Tips
Call (888) 561-8861 to check your application status

US Bank Credit Cards

USB
App
Tips
Consider freezing 2 credit bureaus before applying
(or maybe not!)
Check the offer terms for words like “The bonus is not available to Cardmembers who currently have, or had, [card name]” Hard inquiries may be combined into 1 when approved same day
Call (800) 947-1444 to check your application status.
If denied, call reconsideration here: 800-947-1444 or 800-685-7680

Wells Fargo

Wells Fargo
App
Tips
Must have existing banking relationship before getting approved for most cards Limit one signup bonus per 16 months Hard inquiries are combined when approved same day
Check application status here.
If denied, call reconsideration here:
1-866-412-5956 (consumer) or 1-800-231-9244 (business)

Other Banks and Offers

Denied?

If your application is denied, it is often worth calling the bank to talk to an analyst. They may be able to approve you on the spot after asking a few questions.

Subscribe
Notify of
guest

This site uses Akismet to reduce spam. Learn how your comment data is processed.

1.9K Comments
newest
oldest most voted
Inline Feedbacks
View all comments
Jeff

Just got 250K on the Business Platinum using the FM strategy, 15K spend in 3 months.

Last edited 4 months ago by Jeff
Gin

I think the Cathay card is missing in this list, potentially a couple of others

DonT

Does being an AMEX AU count towards the 5 card AMEX limit?

Greg The Frequent Miler

No

Dmitrii

got 200k offer for a biz plat (not checking bundle) for 15k spend which is highest I ever seen people mentioned

Steve

The MGM card is not mentioned on the list?

DonT

Are there any DPs where AMEX did not have the pop warning that one was not eligible for a SUB, but later clawed them back anyway because the applicant had received a SUB with that card in the past?

Tim Steinke

Not that we’ve heard.

Thomas

If I have an Amex Personal Gold Card Referral for 90K with 6k spend in 6 months is that a link you would want to post?

Stephen Pepper

Is it one where the 90k offer only shows up in incognito mode? If not, and if it shows up in every browser however it’s viewed, please could you email your link to mailbag.com and we’ll check it out.

DonT

Fidelity no longer charges FTX.

Nick Reyes

Thanks, updated!

Zen

I don’t have Facebook. Could somebody please send me a link for the 150k Amex Platinum card offer? Thanks

Greg The Frequent Miler

You don’t need Facebook to use the 150K link that we host on our site. You’ll find the link here: https://frequentmiler.com/amxplat/

The need for Facebook is if you are lucky enough to have your own referral bonus offer that lets you refer others to the 150K offer so that you can earn your own 30K referral bonus.

Zen

When I click that link it says –
Sorry, this link is not working or has expired. If you’d like to apply with your friend’s referral, you can ask them to send you a new referral link.

Greg The Frequent Miler

Can you try again from another browser instance? I think I’ve fixed it but I’m not certain (e.g. go to private/incognito mode on your browser and then find the link here: )https://frequentmiler.com/amxplat/

Zen

It worked this time. Thank you!

Will

I wonder if anyone else experienced a rejection from Chase for the Business Cash card with the following similar circumstances. I have a credit score above 800, 3 other Chase cards, very little usage of the available credit line, no credit card applications in the last 3 years, and a healthy income. After applying in October and no response for 3 weeks, I called Chase, was redirected to a foreign call center, and a rep told me my application was rejected and a letter would be sent detailing the reason for the rejection. Upon receipt of the letter, I would then be able to call the Reconsideration line. The letter never came, and subsequently I was told by Chase Reconsideration was not open to me because it was past the 30 day requirement to have my application reconsidered. A doom loop. My only alternative was to refile a new application. And I still don’t have a letter indicating why my application was rejected. I can only speculate to the reasons, one of which is my age, 70. Also, my wife was rejected for the same card.

Any comments would be appreciated. Thank you.

Dan

Hi FM Team, thank you for putting together a great resource. Just a friendly heads up that some of the information for the Affinity Cash Rewards Visa Signature credit card might need to be updated. I was looking at cards that would provide bigger cash bonuses for buying club MSing. The link you provide to join the Affinity credit union is broken (404). It looks like the card only provides $150 sign up bonus now. And the Amazon 5 percent cash back is limited to $1,000 in purchases per month. Also, I wasn’t able to determine if the CU is still offering rotating bonus categories for the card. It’s not mentioned on the card’s info page. Thanks!

Tim Steinke

Thanks! Fixed.

bullmeister

The Citi Shop Your Way app link goes to a 404 page.

Tim Steinke

I just checked it and it worked fine for me. What browser are you on?

MJJ

KLM is 50k, not 70k

A D

I currently have the old IGH Rewards Club card $49 annual fee. Will I get bonus if I apply Chase IHG Rewards Premier Business? On the chase website, it says 140K points, but on your website it says 165K points $3K spend in 3 months. Which one is correct?

Mike Chicago

WF Autograph now 20K, down from 30K. This could be a temporary drop to discourage new apps while WF force converts Propels to Autographs over the next few months.