Top 10 Best Credit Card Bonus Offers – September 2018

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Are you fully aware of how valuable that space in your wallet or purse is? Credit card companies are in heated competition right now, offering strong perks and $500+ value a pop during the first year to try out a new card. In my opinion, these are the top 10(ish) credit card offers for consumers in September 2018. Please see links provided for full details.

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 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 like Staybridge Suites and Courtyard Marriott, 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.

Citi ThankYou® Premier Card

  • 60,000 Thank You points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • $0 annual fee for the first year, then $95.

Chase Sapphire Preferred Card

  • 50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Barclaycard Arrival Plus Card

  • 60,000 points (worth $600 towards travel) after spending $5,000 on purchases in the first 90 days and paying the annual fee. See link for details.
  • Unlimited 2X miles on every purchase.
  • $89 annual fee.

Chase Marriott Rewards Premier Plus Card

  • 100,000 Marriott Rewards points after $5,000 in purchases within the first 3 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.

Chase Southwest Rapid Rewards Premier Card

  • 40,000 Rapid Rewards points (redeemable for $600+ in Wanna Getaway airfare) after $1,000 on purchases in the first 3 months. See link for details.
  • $99 annual fee.
  • Combine with the Southwest Rapid Rewards Premier Business Card to earn the Southwest Companion Pass.
  • Subject to 5/24 rule.

Citi® / AAdvantage® Platinum Select Card

  • 50,000 American Airlines miles after $2,500 in purchases within the first 3 months. See link for details.
  • First checked bag free on domestic flights perk.
  • $0 annual fee for the first year, then $99.

Chase World of Hyatt Card

  • 60,000 Hyatt points (enough for two nights at any Hyatt). 40,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 20,000 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.
  • NOT subject to 5/24 rule.

Chase IHG Rewards Club Premier Card

  • 100,000 IHG Rewards points after $3,000 in purchases within the first 3 months. See link for details and rough valuation of points.
  • $89 annual fee, free night award upon card anniversary.
  • NOT subject to 5/24 rule.

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.

Gold Delta SkyMiles Card from American Express

  • 60,000 Delta Skymiles after you make $3,000 in purchases within your first 4 months. Offer expires on 9/19/2018. See link for details.
  • First checked bag free on every Delta flight.
  • $0 annual fee for the first year, then $95.

Capital One Savor Cash Rewards Card

  • $500 cash bonus after $3000 in purchases within the first 3 months. See link for details.
  • 4% cash back on dining and entertainment.
  • $0 annual fee for the first year, then $95.


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Comments

  1. Are we able to leave comments?

  2. 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.

  3. 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.

  4. 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.

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

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