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Top 10 Best Credit Card Bonus Offers – May 2024 (Updated)

Added new offers. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2023). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Air Canada 70k, Hilton 70k+Night, Sapphire 75k, Hawaiian 70k, LFCU 50k, WF Journey 60k, British Airways 75K+5X, Delta 70k+$200 credit, JetBlue 70k, Alaska 75k
  • Removed Marriott 185k, CitiAA 75k, IHG 165k, Southwest CP, Aeroplan 100k, Wyndham 75k

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.

Chase Sapphire Preferred® Card

  • 75,000 Ultimate Rewards points (worth $937.50 towards travel or transferrable to miles/points) after $4,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Travel(SM), 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*
  • Upgrade pick: Chase Sapphire Reserve® Card. Higher travel perks including airport lounge access, higher annual fee.

Hilton Honors American Express Card

  • 70,000 Hilton points + Free Night Reward after $2,000 in purchases in the first 6 months. Offer ends 7/31/2024. See link for details.
  • No annual fee.

British Airways Visa Signature Card

  • 75,000 Avios after $5,000 in purchases within first 3 months. Also, get 5X Avios on up to $10,000 (up to 50,000 total Avios) in gas, grocery stores, and dining purchases for first 12 months. Limited-time offer. See link for details and redemption tips.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Free Travel Together companion ticket when you spend $30,000 in calendar year.
  • $95 annual fee.

The Platinum Card from American Express

  • 80,000 Membership Rewards(R) points after $8,000 in purchases in the first 6 months.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Plus credit, $300 Equinox credit, $155 Walmart+ credit and more annually!
  • Up to $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Chase Aeroplan Credit Card

  • 70,000 Aeroplan points – 70,000 points after $3,000 on purchases in the first 3 months. Redeemable for $875 against any travel purchase with Pay Yourself Back. See link for details.
  • Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
  • Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.
  • Up to $100 Global Entry or TSA PreCheck credit.
  • $95 annual fee.
  • Subject to 5/24 rule.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel, or transferrable to airline miles) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Priority Pass + Capital One airport lounge access. Additional cardholders are free, and also get their own Priority Pass!
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

American Express® Gold Card

  • 60,000 Membership Rewards points after $6,000 in purchases in first 6 months. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at restaurants.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

IHG One Rewards Premier Credit Card

  • 140,000 IHG Points after $3,000 in purchases within first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $99 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version also has a competitive offer with no annual fee.

Chase United Explorer Card

  • 50,000 miles after $3,000 in purchases within 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Capital One Venture Rewards Card

  • 75,000 miles (worth $750 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
  • 2 Miles per dollar on all purchases.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 60,000 points (worth $600) after $4,000 in purchases within the first 90 days. See link for details.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Wells Fargo Autograph Journey Card

  • 60,000 points (worth $600 towards travel) after $4,000 in purchases within the first 90 days. See link for details.
  • $50 annual statement credit with $50 minimum airline purchase.
  • $95 annual fee.

Lafayette Federal Credit Union Platinum Mastercard

  • 50,000 points (worth $500 towards gift cards or flights) after $5,000 in purchases within the first 90 days. See link for details.
  • You must be a member of LFCU to apply. View membership eligibility options here. Anyone nationwide can join LFCU by joining the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
  • Combine with LFCU new member program for potentially another $50 bonus.
  • No annual fee.

Hawaiian Airlines MasterCard

  • 70,000 Hawaiian miles after any purchase (of any amount) within the first 90 days. Any 6-digit code will work, like “000000”. See link for details.
  • Free first checked bag for primary cardmember.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Alaska Airlines Visa Card (Bank of America)

  • 75,000 bonus miles + Companion Fare voucher after $3,000 in purchases within first 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one from $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $60 roundtrip per person).
  • $95 annual fee.

Citi Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles/points) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
  • 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.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $2,000 in purchases within 120 days. See link for details.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Includes Priority Pass Select membership w/ 4 free lounge visits a year.
  • $0 annual fee the first year (effective September 9, 2024, $0 annual fee ongoing.)

Barclays AAdvantage Aviator Red Mastercard

  • 50,000 American Airlines miles after any purchase and paying the annual fee in full, both within the first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 intro annual fee for the first year, then $99.

JetBlue Plus Card

  • 70,000 bonus TrueBlue points – 70,000 bonus points after $1,000 on purchases and paying the $99 annual fee in full, both within the first 90 days. Any 5-digit code should work, like “00000”. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

Southwest Rapid Rewards Plus Card

  • 50,000 Southwest points after $1,000 on purchases in the first 3 months. See link for details.
  • Southwest still gives everyone two free checked bags.
  • Timing for Companion Pass. If you can sign up for this one and perhaps also the small business version, and time the points to post in early 2024, you can qualify for a Companion Pass for 2024/2025.
  • $69 annual fee.
  • Subject to 5/24 rule.*

Delta SkyMiles® Gold American Express Card

  • 40,000 Delta Skymiles after $2,000 in purchases within the first 6 months. See link for details.
  • 40,000 Skymiles are worth at least $400 in Delta airfare with “Pay with Miles” option.
  • $200 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $150.
  • There is also a 50k bonus miles offer on the Platinum version.

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. I mostly use my rewards points on family trips – domestic economy flights, mid-range 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.

* 5/24 Rule? 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 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Top 10 Best Small Business Credit Card Bonus Offers – May 2024

Updated May 2024. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Marriott 5FreeNights, Platinum 150k, Hilton 175k, AA 75k, Ink Preferred $1,250, United 75k, Alaska 75k, Spark Cash Select $750.
  • Removed IHG 175k, Venture X 300k, Hyatt 75k, JetBlue 75k, AmEx Gold 70k, SWPremier 120k

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Marriott Bonvoy Business® American Express® Card

  • 5 Free Night Awards (Worth Up To 250K Total Marriott Bonvoy Points) after $8,000 in eligible purchases within first 6 months. Each Free Night Award is worth up to 50,000 Marriott Bonvoy(R) points redemption level. See link for details.
  • New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
  • Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125. (See Rates and Fees)
  • Terms Apply.

The Business Platinum® Card from American Express

  • 150,000 Membership Rewards points after $20,000 on eligible purchases in the first 3 months.
  • HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, $100 TSA/Global Entry credit, Centurion airport lounge access, and more. See link for details.
  • $695 annual fee. (See Rates and Fees)
  • Terms Apply.

The Hilton Honors American Express Business Card

  • 175,000 Hilton Honors Bonus Points after $8,000 in purchases in the first six months. Offer Ends 6/5. See link for details.
  • Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
  • $195 annual fee. (See Rates and Fees)
  • Terms Apply.

Capital One Venture X Business Card

  • 150,000 Miles (worth $1,500 towards travel) after spending $30,000 in the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Capital One Lounges, Priority Pass(TM) and Plaza Premium Group lounges access.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 75,000 American Airlines miles after $5,000 in purchases in first the 5 months. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

United(SM) Business Card

  • 75,000 bonus United miles after $5,000 in purchases in the first 3 months. Limited-time offer. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip).
  • 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
  • Primary rental car coverage when renting for business purposes.
  • $0 annual fee for the first year, then $99.
  • Subject to 5/24 rule.*

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 toward travel when redeemed through Chase Travel) after $8,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Unlimited Card

  • $750 bonus cash back (75,000 Ultimate Rewards points) after $6,000 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

Capital One Spark Cash Select Business Card

  • $750 bonus after $6,000 in purchases in the first 3 months. See link for details.
  • Unlimited 1.5% cash back spent on all purchases. with no limit.
  • No annual fee.

Chase Ink Business Cash Card

  • Up to $750 bonus cash back total (75,000 Ultimate Rewards points). Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.*

World of Hyatt Business Card

  • 60,000 Hyatt points after $5,000 in purchases in the first 3 months.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

American Express® Business Gold Card

  • 70,000 Membership Rewards points after $10,000 in eligible purchases in the first 3 months. See link for details.
  • $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.
  • $155 Annual Walmart+ Credit. Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.
  • Annual fee is $375. (See Rates and Fees)
  • Terms Apply.

Hawaiian Airlines Business MasterCard

  • 70,000 Hawaiian miles. 60,000 miles after $2,000 in purchases in first 90 days. 10,000 miles after a qualifying purchase is made on an employee card. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

JetBlue Business Card

  • 60,000 TrueBlue points 50,000 points after $4,000 in purchases in first 90 days. Plus, earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 75,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $60 roundtrip per person).
  • $70 annual fee for company, plus $25 per card.

* 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 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.

For rates and fees of The Business Platinum® Card from American Express, please visit here. For rates and fees of The Hilton Honors American Express Business Card, please visit here. For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit here. For rates and fees of the American Express® Business Gold Card, please visit here.

Aeroplan® Credit Card Review: 70,000 Bonus Points (Redeem For $875 of Travel on ANY Airline) + Elite Status

Offer improved to 70k. Chase and Air Canada have partnered to create the Aeroplan® Credit Card for US customers. Using the new Pay Yourself Back feature, 70,000 Aeroplan points can be redeemed for $750 back toward eligible travel purchases … [Read the rest]

Marriott Bonvoy Business® American Express® Card Review: 5 Free Night Awards Limited-Time Offer (Worth Up To 250K Total Points)

New limited-time offer, worth up to 250k points.. The Marriott Bonvoy Business® American Express® Card is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a … [Read the rest]

Hilton Honors American Express Cards: 70,000 Bonus Points + Free Night Award + No Annual Fee (Limited-Time Offer)

Updated with limited-time offers with a Free Night Award. Hilton Hotels and American Express have co-branded credit cards with special perks for Hilton customers. Each person can only get one welcome offer, per card in your entire lifetime, so it's … [Read the rest]

YMCA Free Summer Memberships For Teens (Nationwide but Targeted)

Parent of a teen? Check your local YMCA chapter as many are offering free summer YMCA membership for teens. I did some quick searching and found the "Get Summer" initiative from California to Minnesota to North Carolina to Boston. The specific … [Read the rest]

Planet Fitness High School Summer Pass 2024: Free Gym Membership For Teens

Planet Fitness is running the High School Summer Pass again in 2024, which is a free gym membership for teens ages 14-19 to work out at any of its more than 2,500+ locations throughout the US and Canada. Valid from Saturday, June 1 through Saturday, … [Read the rest]

Merrill Edge Brokerage: Best High Interest Rate Options on Cash (5%+ APY, Updated May 2024)

Updated May 2024 with refreshed rates, new Preferred Deposit online initial deposit option, lower $1 minimum on money market funds. Merrill Edge is a self-directed brokerage arm of Bank of America and Merrill Lynch. They are a decent broker … [Read the rest]

When Fintech Apps Break: Lessons From Juno, Yotta, Copper, Yieldstreet Wallet, Synapse, Evolve Bank Lawsuits

What happens when the technology behind a Fintech app breaks down? We found out last week, when unfortunately millions of users lost access to their funds (and still haven't gotten it back as far as I can tell, as of this writing 5pm ET 5/20/24). … [Read the rest]

IKEA Gift Card Promo: Buy $50 eGift Card, Get $10 eGift Card (Limit $500)

Buy a $50 IKEA eGift card, get bonus $10 eGift Card. That's $10 off every $60 of IKEA stuff, which seems pretty good. Limit $500 total gift cards purchased ($100 in bonus gift cards). The website URL is funky, but it is linked directly from the … [Read the rest]

Moomoo Investing App Promo: 1.5% Bonus on Assets Transferred (90 Day Hold, $300 Max)

Update May 2024. New 1.5% asset transfer promo. Brokerage app Moomoo is offering a 1.5% bonus on assets transferred (up to a $300 bonus on $20,000 transferred). The minimum hold period is 90 days. Valid only for new customers. Full terms here. … [Read the rest]

Morningstar Asset Class Correlation Charts 2024: 20-Year Historical Matrix

Morningstar has published their 2024 Diversification Landscape Update (direct link to PDF), another useful whitepaper for DIY investors that looks closer at the correlations between different asset classes. In their Key Takeaways, they note the … [Read the rest]