Best Credit Card Welcome Offers (November 2026)
The short answer: The biggest welcome offers right now come from the 33 cards running limited-time elevated bonuses. We list those first, with the regular offer struck through, then the largest standing offers. Every offer is verified against the issuer.
Welcome offers move constantly. Issuers raise a card bonus for a few weeks or months, then drop it back, so timing your application to an elevated window is one of the easiest ways to earn more. This page is rebuilt regularly so the offers and the date stay current. We value every point at a flat 1 cent and never inflate redemptions.
Limited-time offers available now
These cards are running an elevated bonus above their standard offer. The struck-through figure is the regular amount, so you can see the lift. See all flagged deals on the limited-time offers page.
| Card | Welcome offer | Spend requirement | Annual fee |
|---|---|---|---|
| Chase Sapphire Reserve for Business℠ | 150,000 Ultimate Rewards® Points 200,000 Ultimate Rewards® Points | $30,000 in 6 months | $795 |
| Delta SkyMiles® Reserve Business | 80,000 bonus miles 200,000 bonus miles | $20,000 in 6 months | $650 |
| IHG One Rewards Premier Select Credit Card | 200,000 IHG One Rewards points | $5,000 in the first 3 months | $350 |
| Capital One Venture X Business | Up to 300,000 bonus miles + $1,000 Capital One Business Travel credit (limited time) | $40,000 in 4 months | $395 |
| Citi® / AAdvantage® Executive | 70,000 125,000 AAdvantage® bonus miles | $15,000 in 5 months | $695 |
| Delta SkyMiles® Platinum Business | 70,000 bonus miles 100,000 bonus miles | $8,000 in 6 months | $350 |
| Marriott Bonvoy Business® American Express® Card | 125,000 100,000 points + 1 Free Night Award (up to 50,000 points) | $8,000 in 6 months | $125 |
| Wyndham Rewards Earner® Business Card | Up to 100,000 points | $3,000 in 90 days + $500 at Wyndham in 180 days | $149 |
| Delta SkyMiles® Gold Business | 60,000 bonus miles 90,000 bonus miles | $6,000 in 6 months | $150 |
| Citi® / AAdvantage® Platinum Select® | 50,000 80,000 American Airlines AAdvantage® miles | $3,500 in 4 months | $99 |
| Southwest Rapid Rewards® Premier Business | 60,000 points 80,000 points | $3,000 in 3 months | $149 |
| Wyndham Rewards Earner® Card | Up to 75,000 points | $1,000 in 90 days + $500 at Wyndham in 180 days | No annual fee |
| Atmos Rewards Summit | 70,000 bonus points + 25,000-point Global Companion Award | $3,000 in 90 days | $395 |
| Atmos Rewards Visa Business | 70,000 bonus points + $99 Companion Fare | $4,000 in 90 days | $70 |
| Southwest Rapid Rewards® Priority | 50,000 60,000 Rapid Rewards® bonus points | $2,000 in 3 months | $229 |
| Southwest Rapid Rewards® Premier | 50,000 55,000 Rapid Rewards® bonus points | $1,500 in 3 months | $149 |
| Navy Federal Flagship Premier Visa Signature® | 50,000 bonus points | $4,000 in 90 days | $95 |
| USAA Eagle Navigator® Visa Signature® | 50,000 bonus points | $3,000 by January 31, 2027 | $95 |
| Delta SkyMiles® Reserve | 60,000 50,000 bonus miles + two round-trip Delta Comfort flight certificates | $10,000 in 6 months | $650 |
| Southwest Rapid Rewards® Plus | 50,000 50,000 Rapid Rewards® bonus points | $1,000 in 3 months | $99 |
| Atmos Rewards Ascent | 50,000 bonus points + $99 Companion Fare | $1,500 in 90 days | $95 |
| MGM Rewards Iconic World Elite Mastercard® | Up to 45,000 points ($450) | 30,000 after $5,000 in the first 3 billing cycles, 15,000 more at $7,500 in 6 cycles | $249 |
| Crypto.com Royal Indigo / Jade Green | $300 welcome bonus in CRO | $5,000 in 90 days | $300 |
| Bank of America® Unlimited Cash Rewards Credit Card | $250 online cash rewards bonus | $1,000 in 90 days | No annual fee |
| PNC Cash Rewards® Visa® Credit Card | $250 cash back | $1,000 in the first 3 months | No annual fee |
| USAA Eagle Adapt™ Credit Card | $200 cash bonus | $1,000 in 90 days | No annual fee |
| USAA Cashback Rewards Plus American Express® Card | $200 reward bonus | $1,000 by January 31, 2027 | No annual fee |
| Crypto.com Ruby Steel | $200 welcome bonus in CRO | $2,000 in 90 days | $50 |
| MGM Rewards World Elite Mastercard® | Up to 20,000 points ($200) | 10,000 after $1,000 in the first 3 billing cycles, 10,000 more at $2,500 in 6 cycles | No annual fee |
| Crypto.com Midnight Blue | $100 welcome bonus in CRO | $1,500 in 90 days | No annual fee |
| Nordstrom Visa® Credit Card | $60 off your next Nordstrom purchase | when approved by December 1, 2026 | No annual fee |
| Wayfair Mastercard® | $40 off your first Wayfair order of $100 or more | first qualifying order (offer ends February 1, 2027) | No annual fee |
| OnePay CashRewards Mastercard | $35 cash back + 3% on everything for 90 days | on account opening (apply by December 31, 2026 for the 3% offer) | No annual fee |
Biggest welcome offers right now
The largest current welcome bonuses across the lineup, by our flat 1-cent value. For the data behind these, see our biggest welcome bonuses study.
| Card | Welcome offer | Spend requirement | Annual fee |
|---|---|---|---|
| American Express® Business Platinum | As high as 300,000 Membership Rewards® Points | $20,000 in 3 months | $895 |
| Hilton Honors Aspire | 200,000 Hilton Honors Bonus Points | $6,000 in 6 months | $550 |
| Chase Sapphire Reserve for Business℠ | 200,000 Ultimate Rewards® Points | $30,000 in 6 months | $795 |
| American Express® Business Gold | As high as 200,000 Membership Rewards® Points | $15,000 in 3 months | $375 |
| Capital One Spark Cash Plus | $2,000 cash back | $30,000 in 3 months | $150 |
| Delta SkyMiles® Reserve Business | 200,000 bonus miles | $20,000 in 6 months | $650 |
| IHG One Rewards Premier Select Credit Card | 200,000 IHG One Rewards points | $5,000 in the first 3 months | $350 |
| IHG One Rewards Business Credit Card | 190,000 points | $5,000 in 3 months | $200 |
| IHG One Rewards Premier Credit Card | 180,000 IHG One Rewards Points | $3,000 in 3 months | $150 |
| American Express® Platinum | As high as 175,000 Membership Rewards® Points | $12,000 in 6 months | $895 |
| Marriott Bonvoy Boundless® | 3 Free Night Awards (each up to 50,000 points) | $3,000 in 3 months | $95 |
| Capital One Venture X Business | Up to 300,000 bonus miles + $1,000 Capital One Business Travel credit (limited time) | $40,000 in 4 months | $395 |
Offers verified November 2026. Amounts can change and some issuers (American Express in particular) personalize offers; see how we verify and always confirm on the issuer page before applying.
Frequently asked questions
What is the best credit card welcome offer right now?
As of November 2026, the largest welcome offers come from premium travel and co-branded cards. Our highest-value current offer is the American Express® Business Platinum. Elevated, limited-time offers tend to pay the most, so this page leads with those.
What is a limited-time credit card offer?
A welcome bonus that is temporarily raised above the card standard offer, often for a few weeks or months. We flag these and show the regular amount struck through so you can see the lift.
How often is this list updated?
We re-verify card offers against the issuer on a regular cadence and rebuild this page so the date and the offers stay current. Always confirm the live offer on the issuer page before applying, since amounts can change and some issuers personalize offers.
