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Best Current Credit Card Sign Up Bonuses & Offers For January, 2023


A list of the best current credit card sign up bonuses & offers for January, 2023. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).

Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.

A few final thoughts before we get to this list:

  • There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
  • I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
  • I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly on the individual review pages.
  • If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.

Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.

Contents

Personal Cards

These cards are listed in order from absolute best to best (e.g the better cards are at the top). 

Chase Sapphire Reserve 80,000 Points

Read our full review

Online offer available with Chase login. Requires $4,000 spend and has $550 annual fee which is not waived.

U.S. Bank Altitude Reserve 50,000 Points

Read our full review

Applications were removed for a bit, but they are back now. 50,000 points are worth up to $750 in travel. There is a $400 annual fee but you also get $325 in credits.

Capital One Venture 75,000 Points

Read our full review

Nice 75,000 points bonus with reasonable $4,000 spend requirement. Worth $750 to offset travel or toward gift cards. There is a non-waived $95 annual fee.

American Express Platinum 125,000 + 10x Dining

Read our review

Bonus is 125,000 with $6,000 spend within 6 months. Plus get 20% back on Dining worldwide, up to $25,000 in spend. Annual fee on this card is $695.

Chase Southwest 75,000 Points

Read our review

Available on all three card versions, valid through December 5, 2022. $3,000 spend requirement. Annual fee is not waived; the lowest annual fee is $69 on the Plus card. Good time to apply now for Companion Pass timing purposes.

Bank of America Alaska: 70,000 Miles + $100

Read our review

This is the best bonus we’ve seen on the card and has a low $3,000 spend requirement.

Barclays Lufthansa Miles & More: 80,000 Miles

Much lower spend requirement ($3,000) than previous deals we’ve seen in the past.

American Express Gold 75,000 + $250

Read our review

Bonus is 75,000 with $4,000 spend within 6 months. Plus get 10x back on Dining worldwide, up to $250 back. Annual fee on this card is $250.

Bank of America Premium Rewards 50,000 Points + $100 Travel Credit

Link to our review of this card

Card comes with a 50,000 point sign up bonus worth $500 towards statement credit. In addition you get a $100 travel credit each calendar year, downside is that this can only be used on domestic originated flights (not sure how or if this is actually enforced yet) and a $95 annual fee.

Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA

Read our review

50,000 points after $5,000 in spend. Worth $600 in gift cards or $650 in flights

Chase United Explorer 70,000 Miles

Read our review

Annual fee is also waived first year.

Barclays Hawaiian Airlines – 70,000 Miles

Read our review

Nice part of this offer is that it only requires one purchase.

PenFed Pathfinder Rewards – 50,000 Points + $50

Read our review of the offer

Card also comes with a $100 airline credit, honors members don’t have to pay any annual fee making the card worth keeping long term.

Fremont Bank Personal World Mastercard $500 Bonus

Read our review of this offer

Only requires $5,000 in spend as well which is nice.

Barclays Silver Emirates 50,000 Miles

Read our review

Gold card is 60,000 miles, but that has a huge $499 annual fee whereas the Silver card only has a $99 annual fee. Unfortunately not waived first year.

FNBO Best Western Rewards 80,000 Points

Good deal if you can use the Best Western points, especially international as that is where the better properties are for the most part.

Wescom Credit Union – $500 Bonus – CA only

Read our review

Only requires $2,500 in spend.

American Express Cash Magnet – $300 Bonus

Read our review of this offer

This is the biggest bonus we’ve seen on this card so far.

Citi Double Cash $200/20,000 Bonus

Read our review of this offer

Get 20,000 ThankYou points/$200 cash when you spend $1,500 within the first 6 months. Highest ever.

Wells Fargo Active Cash $200 Bonus

Read our review of this offer

No annual fee. $200 bonus requires $1,000 spend.

Requires $1,500 in spend to get the full $225 bonus. No annual fee. Card also has frequent spend offers which are worthwhile.

Star Trek – $300 Cash Bonus – $39 Annual Fee

Read our review of this offer

Requires $2,000 in spend and the annual fee is not waived the first year.

Capital One Savor $300 Cash Bonus – $95 Annual Fee

Link to our review of this offer

Card comes with a $300 cash bonus. $95 annual fee is no longer waived the first year. At launch the offer was $500, so might not be worth getting right now.

Discover it – $50 + Double Cash Back

Get bonus here | Read our review.

The sign up bonus on this card is low ($50 when you use a referral) but the real bonus is that after the first year you get your cash back doubled for that year (not including the $50 referral bonus). This card has 5% rotating categories (up to $1,500 in spend per quarter), this means you’ll get 10% cash back on those categories. This card really only makes sense if you’ll be able to max out those categories at least some of the time.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Nice big bonus, spend of requirement of $5,000 is required. They also offer business cards now as well (see below)

Paceline Credit Card – Apple Watch Up To $429

Read our review

This requires hitting exercise goals and comes in the form of monthly credits but the card also earns 5x on groceries and drugstores.

American Express Delta Gold – 50,000 Miles + $400 Statement Credit

Read our review

Has been as high as 70,000 miles + $200 statement credit or 90,000 miles. Some people will prefer the higher $400 statement credit offer.

Bank of America Spirit ‘Free Spirit’ – 60,000 Points + $100 Companion Flight Voucher

Read our review

Standard bonus is 40,000 points, this is an extra 20,000 points. Can also get another 5,000 bonus points in flight.

American Express MS Blue Cash Preferred $400 + Waived Fee

Read our review

Only valid for E*Trade or Morgan Stanley customers, and anyone can open a free E*Trade account. Requires $3,000 in spend within the first six months. The annual fee is waived as well. Best deal separate and it’s a separate bonus from the regular Blue Cash Preferred so anyone can do it.

American Express Blue Cash Preferred $400

Read our review

Requires $3,000 in spend within the first six months and the annual fee is not waived ono this. The prior $350 + annual fee waiver deal was better, but still a nice deal overall.

Wells Fargo Autograph $300 Bonus

Read our review

No annual fee. $1,500 spend required for $300 bonus.

American Express Blue Cash Everyday $250

$250 Bonus | $200 + 10% ($150) Bonus

Requires $2,000 spend within 6 months for the $200/$250 bonus. No annual fee. The second link, above, gives $200 + 10% back on Dining up to $150 back.

Bank of America Personal Unlimited Cash Rewards $200 Bonus

Read our review

No annual fee. $200 bonus requires $1,000 spend.

Citi Rewards+ 20,000 ThankYou Points

Read our review

Requires $1,500 spend for the 20,000 bonus. Also currently comes with 5x at restaurants for the first year, up to $6,000 in spend. No annual fee. Lots of people find the card worthwhile to have in the long term as well.

FNBO FordPass – $100 + $200 Annually

Read our review

This card has a $100 sign up bonus, you can also get $200 annually when you spend $6,000 or more.

Discover it Miles $100

Read our review

Offer only available via a referral. The nice thing about this card is cash back earned is double the first year (unfortunately the sign up bonus doesn’t double), meaning this card earns 3% cash back on all purchases during that first year.

Chase Freedom Flex/Chase Freedom Unlimited $200 Bonus + 5% On Grocery

Read our review

5/24 does apply to this card, I’d recommend getting the higher value Chase bonuses first. Standard bonus on these cards is just $200, so this is certainly better than typical. The $200 bonus needs $500 in spend. The 5% bonus on Grocery caps at $12,000 in spend during the first year. Total 80,000/$800 bonus possible with the Grocery spend.

There’s also an alternative bonus option for the Freedom Unlimited card to get a bonus 1.5% back on up to $20,000 in spend everywhere during the first year. That’s 30,000 bonus points if maxed out.

Citi Custom Cash – $200/20,000 Points

Read our review

Get $200 or 20,000 ThankYou points with $1,500 spend. There’s also a branch offer for $300/30,000 points.

Disney Premier $300 Bonus

Read our review

Previous best bonus was $250. Keep in mind there is a $49 annual fee and that this would take up a 5/24 slot.

Gesa Credit Union Cash Rewards Card With $300 – WA, ID, OR

Read our review

Requires $3,000 in spend and also offers 1.5% cash back on all purchases.

U.S. Bank Cash+ $200 Bonus

Read our review

This is the highest bonus on this card, but previously the spend requirement was lower for the same $200 bonus.

Barclays Upromise $200 Bonus

Read our review

Low $500 spend requirement.

Amazon Store Card $200 Bonus

Read our review

$80 comes instantly as an Amazon gift card and the remaining $120 comes as cash rewards after spending $700.

Fidelity 2% Card $150 Bonus

Read our review

$150 is as good as it comes on this card, there is a $1,500 spend requirement.

Paypal Card $150 Bonus

Read our review

Low $500 spend requirement. Could be an interesting card to have for the long term as well.

Citi AT&T Access – 15,000 ThankYou Points + $100 Statement Credit

Read our review

$100 statement credit is in addition to the 15k points you normally get. You do need AT&T service to get that $100 statement credit (or ability to spend $250 within three months with AT&T).

Sallie Mae (Accelerate & Evolve) $200

Read our review

Requires $1,000 in spend and bonus can be worth more than $200 if redeemed against a student loan.

SoFi $200

Read our review

The SoFi 2% card now comes with a $200 bonus via Credit Karma link. Requires $1,500 spend.

Citizens Bank – $200 Cash Bonus

Read our review

Easy $200 bonus with $500 spend. Also earn 1.8% on all spend. No annual fee.

Citi AT&T Points Plus – $100 Cash Bonus

Read our review

$100 cash signup bonus with $1,000 spend requirement.

Apple  Card – $75 Cash Bonus

Read our review

Easy $75 Daily Cash bonus when you make any purchase made within 30 days.

Business Card Bonuses

American Express Business Platinum 150,000 Point Offer

Read our full review

Doesn’t show up for everybody, but if you keep trying in incognito mode then you should be able to get it to show up eventually.

Chase Ink Preferred 100,000 Points

Read our review

The biggest of the Chase Ink bonuses, but does require $15,000 in spend within the first three months.

Chase Ink Cash – $900

Read our review

Standard sign up bonus was only $300, then $500, then $750 and now $900. Keep in mind this card does not count towards your Chase 5/24 total, but the Chase 5/24 rule does apply.

Chase Ink Unlimited 90,000 Chase Ultimate Rewards Points

Read our review

Standard bonus on this card was always 50,000, then 75,000 and now it’s bumped to 90,000. This does not count towards your 5/24 status but the 5/24 rule does still apply to this card. As long as you already have another Chase UR earning card with an annual fee you can transfer these points to Chase’s travel partners.

American Express Business Gold 85,000 Points

Read  our review

The 70,000 points requires $10,000 in spend. There’s also a 90,000/100,000 link that works for some.

U.S. Bank Leverage Business Card $750

Read our review

Has been as high as $1,000, but haven’t seen that offer in a long time.

American Express Business Delta 70,000 Miles + $200

Read our review

This requires a dummy booking to see this offer.

Barclays Business Aviator Card With 80,000 Miles + $95 Statement Credit

Read our review

This doesn’t require adding an employee card.

Barclays JetBlue 80,000 Points + $95 Statement Credit

Read our review

Not as good as the 100,000 point bonus we once saw, but I doubt we will ever see that again.

Chase Southwest Business Performance 80,000/100,000 Points

Read our review

Requires a massive $25,000 in spend for the 100,000 point bonus but the points from that spend and the sign up bonus are enough to get a companion pass. 80,000 point bonus only requires $5,000 in spend so significantly easier for people to reach that requirement.

Bank of America Business Unlimited Cash Rewards $300 Bonus ($500)

Read our review

No annual fee. $300 bonus requires $3,000 spend. There might still be a $500 version available via small business banker.

PNC BusinessOptions $750 Bonus – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Read our review

Nice big bonus, downside is that it requires spending $25,000 or more in the first three billing cycles.

AmaZing Business Credit Card $1,500 Bonus – CA, CO

Read our review

Huge bonus but requires a huge spend of $50,000 for the full bonus.

Capital On Tap – $750 Bonus

Read our review

Getting approved can be difficult, even for those with a legitimate LLC.

Bank of America 3 Travel/Cash Rewards Cards

Read our review

The Business Travel Rewards, Business Unlimited Cash Rewards, Business Customized Cash Rewards cards are all offering $500 or 50,000 bonus after $5,000 spend. Offer can be found in Bank of America app. Valid through 1/7/23.

U.S. Bank Triple Cash Rewards $500 Bonus

Read our review

No annual fee and card also comes with a $100 software credit as well.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Requires $5,000 in spend, they also have a personal credit card offering the same bonus.

American Express Blue Business Cash $500 Bonus

Read our review

Deal requires $15,000 in total spending for the full bonus, but the upside is that this card earns 2% cash back on up to $50,000 annually.

Union Bank CA, OR, WA $500 Bonus

Requires $5,000 in spend.

Huntington Business Voice $150 Bonus + 8% Categories

Read our review

This offer is for $150, but you also get 8% in select categories for the first 60 days.

1st Source Bank Smart Business Rewards $200 – IN, MI

Read our review

Only a $200 bonus, but only requires $500 in spend.

FNBO Evergreen Business Card $200/$300 Bonus

Read our review

Card has a $200 bonus but you might be able to get $300 by checking for pre-qualified offers.

YMMV/Targeted Offers

We’ve decided to create a new section for YMMV or targeted offers. These are all great offers, but they either require being targeted or have some other restriction in place. We haven’t listed offers that are only available in certain states, those will still be listed above

American Express Business Platinum 250,000 Points

Read our review

Some people are getting a call-in offer on the American Express Blue Business Platinum card for 250,000 points after $20,000 spend within 6 months. $695 annual fee.

American Express Business Gold 190,000 Points

Read our review

Some people are getting a call-in offer on the American Express Blue Business Gold card for 180,000 points after $20,000 spend within 6 months. And some get another 10,000 points after $1,000 spend when adding an employee card. $295 annual fee.

American Express Blue Business Cash $750/$500

$750 Offer review | $500 Offer review

Some people get an offer on the American Express Blue Business Plus card for $750 after $15,000 spend. There’s also a call-in offer for $500 with a lower $5,000 spend requirement. No annual fee.

American Express Blue Business Plus 75,000 Points

Read our review

Some people get an offer on the American Express Blue Business Plus card for 75,000 points after $15,000 spend. No annual fee.

American Express Platinum 100,000 Point Offer

Read our review of this offer | Another way to get this offer

Not everybody is able to get this offer to show, but if you are then it’s a great offer. Just keep in mind it does have a massive $550 annual fee, but for that you get good lounge access, $200 in airline incidentals per calendar year (so you can get it twice and only pay the annual fee once) and $200 in Uber credits per card member year as well. Obviously not for everybody, but if you can maximize those airline incidentals then this is a really great offer. There is also an upgrade offer of 60,000 points without the lifetime language, unfortunately that is targeted.

AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee

Read our review

Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.

American Express Hilton Surpass 200,000 Points

Read our review

Offer does require $10,000 in total spend within six months.

Various American Express Delta Offers – No Lifetime Language

Read our review

It’s currently possible to get up to 75,000 miles and up to $200 in statement credits on the American Express Delta co-branded cards. These offers don’t have the lifetime language present, meaning you’re eligible for the bonus even if you’ve had that specific card before.

American Express Business Gold 35,000 Point Offer – No Lifetime Language

Read our review

Relatively weak offer, really only worth considering due to the fact that it has no lifetime language.

Not On List

This section explains why some popular cards/offers aren’t listed.

Recent Changes

I thought it would be useful to list when and why I make changes here.

Final Thoughts

I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?



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Written by jepayneiv

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