Best Credit Card Signup Bonus Offers in Feb 2020

Earning credit card signup bonuses is one of the best ways to acquire a large amount of miles/points in a short period of time and can lead to a 20% or more return on your spending. By combining great signup bonuses with rewards credit cards that provide the best return on everyday purchases, you will be amazed at how many free flights or hotel stays you can earn. Keep in mind that most credit cards that come with lucrative sign-up bonuses also have an annual fee, and whether you should keep them long term depends on your personal situation.



This post provides a ranking of the best current signup bonuses based on our miles and points valuations. However, remember that point values are based on your own unique situation.  Each card posted below has a link with our review and detailed information about that individual product. A chart showing the historical signup bonus history for each card is included to help you decide whether or not you should apply immediately or wait for a better offer.

The most lucrative signup bonuses are travel related and earn points/miles. Therefore, you usually need to spend some time researching how to best use the points/miles in order to maximize their value. For more casual credit enthusiasts that don’t want to spend as much time researching how to use their miles or points, we have also created the signup bonus ranking for casual gamers.

This post is updated in real time and is based on the value you receive for ONE year after signing up. After the first year, your return may not be enough to offset the annual fee. At that time you can choose to downgrade a card to a no-annual fee card (recommended) or just cancel them (not recommended). It is not recommended to cancel cards because one variable that determines your credit score is your average age of accounts. The first year value is calculated by subtracting the annual-fee from the sum of the sign-up bonus plus any credits and benefits you can get in the first 12 months.. The estimated values used for various points and miles are listed in our post Estimated Values for Bank Points, Airline Miles, and Hotel Points. We do not use the face value if a credit is hard to use or comes with restrictions; instead, we estimate its actual value by some percentage of the face value of the credit.



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#AmEx Platinum 75 K Offer

  • The first year value is about $1,140.
  • Sign-up bonus: 75,000 Membership Rewards Points.
  • Spending requirement: $5,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $140 (estimated value) of airline incidental fee credit ($200 face value, and actual value is estimated by 70% of face value) twice in the first year.
  • You can get $210 (estimated value) of Uber credit and Saks credit ($200 and $100 face value, respectively, and actual value is estimated by 70% of face value) once in the first year.
  • $550 annual fee, NOT waived for the first year.

#Chase Southwest Airlines Plus 75 K Offer

  • The first year value is about $1,056.
  • Sign-up bonus: 75,000 WN Miles.
  • Spending requirement: $5,000 in 6 months.
  • The points are worth about 1.5 cents/point.
  • $69 annual fee, NOT waived for the first year.

#Chase Southwest Airlines Priority 75 K Offer

  • The first year value is about $1,051.
  • Sign-up bonus: 75,000 WN Miles.
  • Spending requirement: $5,000 in 6 months.
  • The points are worth about 1.5 cents/point.
  • You can get $75 Southwest travel credit once in the first year.
  • $149 annual fee, NOT waived for the first year.

#AmEx Delta SkyMiles Platinum 100 K Offer

  • The first year value is about $1,050.
  • Sign-up bonus: 100,000 DL Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.3 cents/point.
  • $250 annual fee, NOT waived for the first year.

#Chase Southwest Airlines Premier 75 K Offer

  • The first year value is about $1,026.
  • Sign-up bonus: 75,000 WN Miles.
  • Spending requirement: $5,000 in 6 months.
  • The points are worth about 1.5 cents/point.
  • $99 annual fee, NOT waived for the first year.

#AmEx Hilton Aspire 150 K Offer

  • The first year value is about $925.
  • Sign-up bonus: 150,000 Hilton Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 0.4 cents/point.
  • You can get Weekend Free Night for the first year, worth about $250.
  • You can get $175 (estimated value) of airline incidental fee credit ($250 face value, and actual value is estimated by 70% of face value) twice in the first year.
  • You can get $175 (estimated value) of Hilton resort credit ($250 face value, and actual value is estimated by 70% of face value) once in the first year.
  • $450 annual fee, NOT waived for the first year.

#AmEx Delta SkyMiles Gold 70 K Offer

  • The first year value is about $910.
  • Sign-up bonus: 70,000 DL Miles.
  • Spending requirement: $2,000 in 3 months.
  • The points are worth about 1.3 cents/point.
  • $99 annual fee, waived for the first year.

#AmEx Platinum for Morgan Stanley 60 K Offer

  • The first year value is about $900.
  • Sign-up bonus: 60,000 Membership Rewards Points.
  • Spending requirement: $5,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $140 (estimated value) of airline incidental fee credit ($200 face value, and actual value is estimated by 70% of face value) twice in the first year.
  • You can get $210 (estimated value) of Uber credit and Saks credit ($200 and $100 face value, respectively, and actual value is estimated by 70% of face value) once in the first year.
  • $550 annual fee, NOT waived for the first year.

#AmEx Platinum for Schwab 60 K Offer

  • The first year value is about $900.
  • Sign-up bonus: 60,000 Membership Rewards Points.
  • Spending requirement: $5,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $140 (estimated value) of airline incidental fee credit ($200 face value, and actual value is estimated by 70% of face value) twice in the first year.
  • You can get $210 (estimated value) of Uber credit and Saks credit ($200 and $100 face value, respectively, and actual value is estimated by 70% of face value) once in the first year.
  • $550 annual fee, NOT waived for the first year.

#Citi AAdvantage Platinum Select 60 K Offer

  • The first year value is about $900.
  • Sign-up bonus: 60,000 AA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.5 cents/point.
  • $99 annual fee, waived for the first year.

#Chase Sapphire Preferred 60 K Offer

  • The first year value is about $865.
  • Sign-up bonus: 60,000 Ultimate Rewards Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Citi Premier 60 K Offer

  • The first year value is about $865.
  • Sign-up bonus: 60,000 ThankYou Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Chase United MileagePlus Explorer 60 K Offer

  • The first year value is about $840.
  • Sign-up bonus: 60,000 UA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.4 cents/point.
  • $95 annual fee, waived for the first year.

#Citi Prestige 50 K Offer

  • The first year value is about $805.
  • Sign-up bonus: 50,000 ThankYou Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $250 air credit (easy) twice in the first year.
  • $495 annual fee, NOT waived for the first year.

#Barclaycard AAdvantage Aviator Red 60 K Offer

  • The first year value is about $801.
  • Sign-up bonus: 60,000 AA Miles.
  • Spending requirement: one purchase in 3 months.
  • The points are worth about 1.5 cents/point.
  • $99 annual fee, NOT waived for the first year.

#AmEx Delta SkyMiles Reserve 100 K Offer

  • The first year value is about $750.
  • Sign-up bonus: 100,000 DL Miles.
  • Spending requirement: $5,000 in 3 months.
  • The points are worth about 1.3 cents/point.
  • $550 annual fee, NOT waived for the first year.

#AmEx Gold 50 K Offer

  • The first year value is about $750.
  • Sign-up bonus: 50,000 Membership Rewards Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $70 (estimated value) of airline incidental fee credit ($100 face value, and actual value is estimated by 70% of face value) twice in the first year.
  • You can get $60 (estimated value) of dining credit ($120 face value, and actual value is estimated by 50% of face value) once in the first year.
  • $250 annual fee, NOT waived for the first year.

#BoA Alaska 40 K +$100 Offer

  • The first year value is about $745.
  • Sign-up bonus: 40,000 AS Miles +$100.
  • Spending requirement: $2,000 in 3 months.
  • The points are worth about 1.8 cents/point.
  • $75 annual fee, NOT waived for the first year.

#Chase World of Hyatt 50 K Offer

  • The first year value is about $705.
  • Sign-up bonus: 50,000 Hyatt Points.
  • Spending requirement: $6,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • $95 annual fee, NOT waived for the first year.

#US Bank Altitude Reserve 50 K Offer

  • The first year value is about $675.
  • Sign-up bonus: 50,000 Points.
  • Spending requirement: $4,500 in 3 months.
  • The points are worth about 1.5 cents/point.
  • You can get $325 travel credit (easy) once in the first year.
  • $400 annual fee, NOT waived for the first year.

#Chase IHG Premier 140 K Offer

  • The first year value is about $611.
  • Sign-up bonus: 140,000 IHG Points.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 0.5 cents/point.
  • $89 annual fee, NOT waived for the first year.

#Chase Sapphire Reserve 50 K Offer

  • The first year value is about $610.
  • Sign-up bonus: 50,000 Ultimate Rewards Points.
  • Spending requirement: $4,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • You can get $360 travel credit (easy) plus Doordash credit once in the first year.
  • $550 annual fee, NOT waived for the first year.

#BoA Premium Rewards 50 K Offer

  • The first year value is about $605.
  • Sign-up bonus: 50,000 Points.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1 cents/point.
  • You can get $100 airline incidental fee credit twice in the first year.
  • $95 annual fee, NOT waived for the first year.

#Chase Marriott Bonvoy Boundless 100 K Offer

  • The first year value is about $605.
  • Sign-up bonus: 100,000 Marriott Points.
  • Spending requirement: $5,000 in 3 months.
  • The points are worth about 0.7 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Chase United MileagePlus Club 75 K Offer

  • The first year value is about $600.
  • Sign-up bonus: 75,000 UA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.4 cents/point.
  • $450 annual fee, NOT waived for the first year.

#AmEx Green 45 K Offer

  • The first year value is about $570.
  • Sign-up bonus: 45,000 Membership Rewards Points.
  • Spending requirement: $2,000 in 3 months.
  • The points are worth about 1.6 cents/point.
  • $150 annual fee, NOT waived for the first year.

#Barclaycard Lufthansa 50 K Offer

  • The first year value is about $561.
  • Sign-up bonus: 50,000 LH Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.3 cents/point.
  • $89 annual fee, NOT waived for the first year.

#Capital One Venture 50 K Offer

  • The first year value is about $550.
  • Sign-up bonus: 50,000 Points.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.1 cents/point.
  • $95 annual fee, waived for the first year.

#BoA Amtrak Guest Rewards 20 K +$100 Offer

  • The first year value is about $521.
  • Sign-up bonus: 20,000 Points +$100.
  • Spending requirement: $1,000 in 3 months.
  • The points are worth about 2.5 cents/point.
  • $79 annual fee, NOT waived for the first year.

#AmEx Hilton Surpass 150 K Offer

  • The first year value is about $505.
  • Sign-up bonus: 150,000 Hilton Points.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 0.4 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Chase Aer Lingus 50 K Offer

  • The first year value is about $505.
  • Sign-up bonus: 50,000 BA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.2 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Chase British Airways 50 K Offer

  • The first year value is about $505.
  • Sign-up bonus: 50,000 BA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.2 cents/point.
  • $95 annual fee, NOT waived for the first year.

#Chase Iberia 50 K Offer

  • The first year value is about $505.
  • Sign-up bonus: 50,000 BA Miles.
  • Spending requirement: $3,000 in 3 months.
  • The points are worth about 1.2 cents/point.
  • $95 annual fee, NOT waived for the first year.

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