The Biggest Credit Card Welcome Bonuses 2026
A credit card welcome bonus is the fastest rewards you will ever earn, so it is worth knowing which cards offer the most. We ranked all 66 cards in the Cardocrat database that currently pay a welcome bonus, valuing every point at a flat 1 cent so the numbers are honest and comparable, not inflated.
$3,000
biggest bonus (American Express® Business Platinum)
$759
average welcome bonus value
$725
median welcome bonus value
17 of 66
are limited-time offers above the usual amount
The biggest bonuses are usually limited-time
The headline numbers move. Right now 17 of the 66 bonuses are running as limited-time offers above the card normal amount, so a figure you see today may not be there next month. Throughout Cardocrat we show the usual value struck through next to the elevated one, so you can judge the real, recurring offer rather than chasing a temporary spike.
What a welcome bonus is really worth
We value points and miles at a flat 1 cent, which is close to their cash value and never inflated. A 100,000-point bonus is shown as $1,000, not the $2,000-plus some sites claim by assuming premium airline redemptions you may never make. Transferable points can beat a cent if you travel, but 1 cent is the honest floor for comparing one bonus to another.
Just as important is the spending it takes to earn the bonus. A large bonus behind a $6,000 requirement is only valuable if you can hit it with normal spending; see how to meet a minimum spend without overspending.
Every welcome bonus, ranked by value
Valued at a flat 1 cent, here is every current welcome bonus from largest to smallest. Run a card against your own spending in the calculator, and see the cards that win each category in the best-card guides.
| # | Card | Welcome bonus | Value | Minimum spend | Annual fee | Offer |
|---|---|---|---|---|---|---|
| 1 | American Express® Business Platinum | Up to 300,000 Membership Rewards® Points | $3,000 | $20,000 in 3 months | $895 | Standard |
| 2 | Marriott Bonvoy Brilliant® | 200,000 Marriott Bonvoy Bonus Points | $2,000 | $6,000 in 6 months | $650 | Limited-time |
| 3 | Chase Sapphire Reserve for Business℠ | 200,000 Ultimate Rewards® Points | $2,000 | $30,000 in 6 months | $795 | Limited-time |
| 4 | American Express® Business Gold | Up to 200,000 Membership Rewards® Points | $2,000 | $15,000 in 3 months | $375 | Standard |
| 5 | IHG One Rewards Premier | Up to 185,000 IHG One Rewards Points | $1,850 | $6,000 in 6 months | $99 | Standard |
| 6 | American Express® Platinum | 175,000 Membership Rewards® Points | $1,750 | $12,000 in 6 months | $895 | Standard |
| 7 | Hilton Honors Aspire | 175,000 Hilton Honors Bonus Points | $1,750 | $6,000 in 6 months | $550 | Limited-time |
| 8 | Marriott Bonvoy Boundless® | 125,000 points + 1 Free Night Award (up to 50,000 pts) | $1,750 | $3,000 in 3 months | $95 | Standard |
| 9 | Hilton Honors Surpass® | 130,000 Hilton Honors Bonus Points | $1,300 | $3,000 in 6 months | $150 | Limited-time |
| 10 | Delta SkyMiles® Reserve | 125,000 SkyMiles | $1,250 | $15,000 in 6 months | $650 | Limited-time |
| 11 | Wyndham Rewards Earner® Premier Card | Up to 120,000 points | $1,200 | $6,000 in 120 days + $750 on Wyndham in 180 days | $395 | Standard |
| 12 | American Express® Gold | 100,000 Membership Rewards® Points | $1,000 | $8,000 in 6 months | $325 | Standard |
| 13 | Chase Sapphire Preferred® | 100,000 Ultimate Rewards® Points | $1,000 | $5,000 in 3 months | $95 | Limited-time |
| 14 | Chase Sapphire Reserve® | 100,000 Ultimate Rewards® Points | $1,000 | $6,000 in 3 months | $795 | Standard |
| 15 | Citi Strata Elite℠ | 100,000 ThankYou® Points | $1,000 | $6,000 in 3 months | $595 | Standard |
| 16 | Delta SkyMiles® Platinum | Up to 100,000 SkyMiles | $1,000 | $6,000 in 6 months | $350 | Limited-time |
| 17 | Hilton Honors | 100,000 Hilton Honors Bonus Points + $100 statement credit | $1,000 | $2,000 in 6 months | No annual fee | Limited-time |
| 18 | JetBlue Premier | 100,000 bonus points after $5,000 in 90 days (and paying the annual fee) | $1,000 | $5,000 in 90 days | $499 | Limited-time |
| 19 | Atmos Rewards Summit | 100,000 bonus points + 25,000-point Global Companion Award | $1,000 | $6,500 in 90 days | $395 | Limited-time |
| 20 | Ink Business Preferred® | 100,000 Ultimate Rewards® Points | $1,000 | $8,000 in 3 months | $95 | Standard |
| 21 | Ink Business Cash® | $1,000 cash back | $1,000 | $8,000 in 4 months | No annual fee | Limited-time |
| 22 | Ink Business Unlimited® | $1,000 cash back | $1,000 | $8,000 in 4 months | No annual fee | Limited-time |
| 23 | Wyndham Rewards Earner® Plus Card | Up to 100,000 points | $1,000 | $1,000 in 90 days + $500 on Wyndham in 180 days | $75 | Standard |
| 24 | Delta SkyMiles® Gold | Up to 90,000 SkyMiles | $900 | $5,000 in 6 months | $150 | Limited-time |
| 25 | Southwest Rapid Rewards® Priority | 90,000 Rapid Rewards® bonus points | $900 | $3,000 in 3 months | $229 | Limited-time |
| 26 | United℠ Club | Up to 90,000 bonus miles | $900 | $5,000 in 3 months | $695 | Standard |
| 27 | Southwest Rapid Rewards® Premier | 85,000 Rapid Rewards® bonus points | $850 | $2,000 in 3 months | $149 | Limited-time |
| 28 | Citi® / AAdvantage® Platinum Select® | 80,000 American Airlines AAdvantage® miles after $3,500 in 4 months | $800 | $3,500 in 4 months | $99 | Standard |
| 29 | Bilt Palladium | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | $800 | $4,000 in 90 days | $495 | Standard |
| 30 | Southwest Rapid Rewards® Plus | 80,000 Rapid Rewards® bonus points | $800 | $1,000 in 3 months | $99 | Limited-time |
| 31 | Capital One Venture X | 75,000 Miles | $750 | $4,000 in 3 months | $395 | Standard |
| 32 | Capital One Venture | 75,000 Miles | $750 | $4,000 in 3 months | $95 | Standard |
| 33 | Wyndham Rewards Earner® Card | Up to 75,000 points | $750 | $1,000 in 90 days + $500 on Wyndham in 180 days | No annual fee | Standard |
| 34 | Citi® / AAdvantage® Executive | 70,000 AAdvantage® Miles | $700 | $7,000 in 3 months | $595 | Standard |
| 35 | JetBlue Plus | 70,000 bonus points after $1,000 in 90 days | $700 | $1,000 in 90 days | $99 | Standard |
| 36 | United℠ Quest | Up to 70,000 bonus miles + 500 PQP | $700 | $4,000 in 3 months | $350 | Standard |
| 37 | Citi Strata Premier℠ | 60,000 ThankYou® Points | $600 | $4,000 in 3 months | $95 | Standard |
| 38 | Wells Fargo Autograph Journey℠ | 60,000 bonus points ($600 value) | $600 | $4,000 in 3 months | $95 | Standard |
| 39 | World of Hyatt | Up to 60,000 Bonus Points | $600 | $3,000 in 3 months | $95 | Standard |
| 40 | United℠ Explorer | Up to 60,000 bonus miles | $600 | $3,000 in 3 months | $150 | Standard |
| 41 | Wells Fargo Signify Business Cash℠ | $500 cash rewards bonus | $500 | $5,000 in 3 months | No annual fee | Standard |
| 42 | Atmos Rewards Ascent | 50,000 bonus points + Companion Fare | $500 | $2,000 in 90 days | $95 | Standard |
| 43 | American Express® Green | 40,000 Membership Rewards® Points | $400 | $3,000 in 6 months | $150 | Standard |
| 44 | United℠ Gateway | Up to 40,000 bonus miles | $400 | $1,000 in 3 months | No annual fee | Standard |
| 45 | American Express® Blue Cash Preferred | $300 statement credit | $300 | $3,000 in 6 months | $95 | Standard |
| 46 | Capital One Savor | $250 cash bonus | $250 | $500 in 3 months | No annual fee | Limited-time |
| 47 | U.S. Bank Cash+® | $250 rewards bonus | $250 | $1,000 in 90 days | No annual fee | Standard |
| 48 | American Express® Blue Cash Everyday | $200 statement credit | $200 | $2,000 in 6 months | No annual fee | Standard |
| 49 | Capital One Quicksilver | $200 cash bonus | $200 | $500 in 3 months | No annual fee | Standard |
| 50 | Citi Double Cash® | $200 cash back | $200 | $1,500 in 6 months | No annual fee | Standard |
| 51 | Chase Freedom Unlimited® | $200 cash bonus | $200 | $500 in 3 months | No annual fee | Standard |
| 52 | Chase Freedom Flex℠ | $200 cash bonus | $200 | $500 in 3 months | No annual fee | Standard |
| 53 | Prime Visa | $200 Amazon Gift Card upon approval | $200 | None required | No annual fee | Standard |
| 54 | Citi Strata℠ | 20,000 ThankYou® Points ($200 value) | $200 | $1,000 in 3 months | No annual fee | Standard |
| 55 | Bilt Obsidian | $200 in Bilt Cash on account opening | $200 | N/A | $95 | Standard |
| 56 | Wells Fargo Active Cash® | $200 cash rewards bonus | $200 | $500 in 3 months | No annual fee | Standard |
| 57 | Wells Fargo Autograph℠ | 20,000 bonus points ($200 value) | $200 | $1,000 in 3 months | No annual fee | Standard |
| 58 | Bank of America® Customized Cash Rewards | $200 online cash rewards bonus | $200 | $1,000 in 90 days | No annual fee | Standard |
| 59 | Citi® / AAdvantage® MileUp® | 15,000 American Airlines AAdvantage® miles after $500 in 3 months | $150 | $500 in 3 months | No annual fee | Standard |
| 60 | American Express® Blue Business Plus | 15,000 Membership Rewards® Points | $150 | $3,000 in 3 months | No annual fee | Standard |
| 61 | Bilt Blue | $100 in Bilt Cash on account opening | $100 | N/A | No annual fee | Standard |
| 62 | Delta SkyMiles® Blue | 10,000 Bonus Miles | $100 | $1,000 in 6 months | No annual fee | Standard |
| 63 | JetBlue Card | 10,000 bonus points after $1,000 in 90 days | $100 | $1,000 in 90 days | No annual fee | Standard |
| 64 | Amazon Visa | $50 Amazon Gift Card upon approval | $50 | None required | No annual fee | Standard |
| 65 | Capital One Quicksilver Student | $50 cash bonus | $50 | $100 in 3 months | No annual fee | Standard |
| 66 | Chase Freedom Rise® | $25 statement credit | $25 | Set up autopay in first 3 months | No annual fee | Standard |
Methodology. Based on the 66 active (non-legacy) cards in the Cardocrat database that currently advertise a welcome bonus, verified against issuer sources as of June 2026. Every point and mile is valued at a flat 1 cent (the bonus in points divided by 100), with no inflated airline or hotel valuations. Bonuses shown as limited-time are running above the card usual amount. This ranks bonuses by size only; the best card for you also depends on ongoing earning, fees, and perks. Free to cite with a link to this page.
