Top 10 Best Credit Card Bonus Offers – May 2022 (Updated)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated and checked May 2022. 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. We participate in various financial offers for thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Hilton 100k no AF, Sapphire 80k, Marriott 3 Free Nights, United 70k, IHG 120k no AF, Aeroplan 100k, AmEx Platinum.
  • Removed Aeroplan 100k, Delta 70k, Southwest Easy Companion Pass, Hilton 130k+Free Night, IHG 125k+Free Night, AA Red (drop to 50k), JetBlue 70k, Wyndham 90k.

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

  • 80,000 Ultimate Rewards points (worth $1,000 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 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.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel) 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.
  • Priority Pass airport lounge access.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

IHG Rewards Club Traveler Card

  • 120,000 IHG Rewards club points after $2,000 in purchases within the first 3 months. See link for details.
  • 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
  • No annual fee.
  • Subject to 5/24 rule.*

The Platinum Card from American Express

  • 100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!
  • $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Chase United Explorer Card

  • Up to 70,000 bonus United miles. 60,000 bonus miles after $3,000 on purchases in the first 3 months + additional 10,000 miles after $6,000 total on purchases in the first 6 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 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.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $3,000 in purchases within 120 days. See link for details.
  • 4X points on travel and gas stations, 2X points on dining and grocery stores.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • $30 annual streaming bonus.
  • $0 annual fee the first year, $95/year thereafter.

Hilton Honors American Express Card

  • 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. See link for details.
  • No annual fee.

Hawaiian Airlines World Elite MasterCard

  • 60,000 Hawaiian miles after $2,000 in purchases within 90 days. 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.
  • $0 annual fee for the first year, then $99.

American Express® Rose Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. 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 at restaurants.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

Citi Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles) 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.

Barclays AAdvantage Aviator Red Card

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

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.

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.

Marriott Bonvoy Boundless Card

  • 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Marriott points).
  • $95 annual fee.
  • Subject to 5/24 rule.

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.

My Money Blog has partnered with CardRatings and Credit-Land 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. MyMoneyBlog.com 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. Hi Jonathan,

    Thanks so much for sharing! I haven’t researched credit card bonuses in a while, but we have always enjoyed getting a combination of cash-back or points. We don’t carry a balance and have to spend money anyway, so we choose to get cash-back or points every month.

    I really will look into the IHG Rewards Club Premier Card because it looks like they are having an amazing deal right now! Thanks again for the tip 🙂

  2. brian anderson says

    hi—-can thee be redeemed for cash back or statement credit ?

    IHG Hotels 140k/75k – 140k still highest ever, new 75k traveler offer.

    • The best redemption is definitely IHG hotel stays. See linked post for details. There are other options, just not nearly as good value. For example, you can redeem 140k points for $350 in Home Depot gift cards or $300+ in Amazon gift cards.

  3. Random user says

    Couple months ago I used the credit card match to get 100k signup bonus for AMEX Platinum….was nice. I think signup is usually 60k points.

    https://www.creditcards.com/cardmatch/?aid=1046404&tid=6ff26a4833ca43cba76cb82c3ee25bdc

  4. Andrea Deyrup says

    It seems that the metric for best value is travel (though maybe I’m missing something). In these Covid times, I’m not that eager to build up more skymiles or hotel rewards. I suppose cash back is the other option. Any posts on which are the best cash back cards? Thanks!

  5. David Stone says

    Do you leave the credit cards open after you’ve gotten and used the sign up rewards for cards with annual fees or close them?

    • I always look at new credit cards as trials. I will try them out, keep it for a full year, and see how I like it. I give them a chance – that what I feel that I owe them. For example, I kept the expensive Sapphire Reserve because I feel it offers enough value. If I don’t like it, then I cancel after the next annual fee hits and they always remove the annual fee and close the card.

  6. hank you, Jonathan.

    These are hefty spend requirements in 3 months…$5,000 to $7,000. In what ways could an ordinary/frugal person spend on necessities this much ?

    • Yes, some of the biggest bonuses do require bigger spending. If you look carefully, there are still many bonuses that have lower spending requirements. The bonuses may be somewhat smaller, but still worthwhile.

    • That’s my problem as well – even $2k-$3k is a stretch for me (I still have to pay my rent with a check, no electronic option). Considering the Wyndham card though!

      • Many of the offers require about $1,000 a month average spending hurdle, and my strategy is to first move over my insurance bill which is charged on credit card on monthly installments. I have homeowners, 2 cars, term life, and umbrella insurance bundled and it is roughly $500 a month. So half of the spending is right there. Healthcare expenses that are later can be reimbursed by FSA are usually another couple hundred per month. Add in food, groceries, household products, etc. So we have a base amount of expenses that can be shifted.

  7. Looks like you’ve got a typo. I believe the Venture X bonus requiries $10,000 in purchases within the first 6 months, not 3 months.

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