Best Credit Card Offers for May 2025

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Best Rewards Credit Card OffersThis page contains the best public offers for almost 300 credit cards available in the United States. Most websites show you credit card offers that are most valuable to them, not to you, because they earn commissions when you click through and get approved for a credit card…and they will only show you those commission-earning affiliate links, even if there’s a better offer available.

We earn commissions through affiliate links too, that’s how we keep the lights on. However, when there’s a better public offer than the affiliate version, we always display the better offer even though we lose out on the commission for that card.

That’s why we believe we have the single best source of credit card offers on the web. Anytime you’re looking for new cards or want to evaluate an offer you got in the mail, we highly recommend comparing it to the offer on this page to make certain that you’re getting the best deal.

If you’re looking for the best credit cards for particular types of spend, check out some of the following links: Best Category BonusesBest Rewards for Everyday Spend, Best Big Spend Bonuses.

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: (800) 567-1083

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) 408-4064

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: (888) 270-2127 for personal cards, or (800) 453-9719 for 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); (866) 541-7657 (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: (800) 967-9521

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.

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14 Comments
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[…] Research and compare different cards to find the most suitable bonus offers. […]

Daniel A

DOC is reporting a 100k SUB on Chase Sapphire Preferred available in branch and saying it’ll be available online 4/3/25.

Connor

Can confirm I received this offer in branch yesterday!

Daniel A

It’s live!

cftonic

I found a way to get the Chase Southwest Airlines 65K card without having to be on a SWA flight. This is the URL to the offer —

I applied and was approved in less than 3 minutes.

Tim Steinke

Thanks! This is the same offer that we have listed as the alternate on the current card page.

Daniel A

Hi FM team, my Amex Business Platinum has a referral link that is offering 200k for $20k in 3 months on the Amex Business Platinum. Not sure if I’m the only one, but hopefully something to post.

Daniel A

Just realized the referral link also has the Amex Business Gold at 150k for $15k in 3 months.

Stephen Pepper

What you’re seeing is a targeted offer that doesn’t always show unfortunately – when checking your link, I only saw 150k for the Business Platinum.

Daniel A

Bummer! I thought I had a winner.

ElonSavesTheWorld

Daniel ….YOU ARE A WINNER!

[…] straightforward $200 cash bonus after spending $500 in the first three months. For higher spenders, the Capital One Spark Cash Plus provides the opportunity to earn up to $2,000 in cash back, making it an attractive option for […]

Lee

If Amex would only add the Founders Card as a benefit of the Plum Card. Alas, some things are meant not to be.

Greg The Frequent Miler

LOL