Top 10 Best Credit Card Bonus Offers – July 2020 (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 July 2020. I’m still collecting points and miles and maximizing the value of my credit card spending. Things are quiet as credit card issuers get conservative, but that just means picking up some slightly lesser bonuses that I passed over previously.

That space in your wallet or purse is still valuable, and you should be the one to get that value. Selected banks are offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would personally apply for right now, if I didn’t already have most of them. Notable recent changes:

  • Added Marriott, custom Delta offers, US Bank Altitude card
  • New Sapphire benefits for July.
  • Removed IHG, NavyFed.

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. 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-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.

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.

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.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • Short-term COVID-related benefits.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit, 1-year Lyft Pink membership.

Gold Delta Skymiles Card from American Express

  • Enter your info for custom offer. I was offered 60,000 bonus miles after $2,000 in purchases in the first 3 months. This is better than the referral offer.
  • 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
  • $100 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). Main Cabin 1 Priority Boarding.
  • $0 annual fee for the first year, then $99.

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.

JetBlue Plus Card

  • 60,000 TrueBlue points after $1,000 in purchases within the first 90 days. Limited-time offer. See link for details.
  • Free first checked bag for you and up to 3 companions when you use your JetBlue Plus Card.
  • $99 annual fee.

Barclays AAdvantage Aviator Red World Elite Mastercard

  • 60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
  • $99 Companion certificate offer. Earn a certificate good for 1 guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • 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.

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.

Hawaiian Airlines World Elite MasterCard

  • 50,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

U.S. Bank Altitude Reserve Credit Card

  • 50,000 bonus points ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
  • $325 in annual statement credits towards travel per Cardmember year (based on account opening date)
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Priority Pass Select membership for airport lounge access.
  • $400 annual fee. (Bigger bonus, big annual fee.)

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 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.
  • Subject to 5/24 rule.

Marriott Bonvoy Boundless Card

  • 100,000 Marriott Bonvoy points after $3,000 in purchases within the first 3 months. Limited-time offer. 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.
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!

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