Best Credit Card Signup Offers

Below is my ranking of the best credit cards based on signup offers.

I recommend viewing the below table in its original form here: Best Credit Card Signup Offers Google SheetIt is easier to navigate, the appropriate rows and columns are frozen, etc. Plus, you can filter and sort according to your preferences. That said, I’m including it here so that you can get a quick view:

A couple of notes:

  • Before signing up for credit cards, please read this post on signing up for credit cards and this post on the affect of credit card applications on one’s credit score, where I provide some cautions.
  • I always display the absolute best offer that I am aware of for a card, regardless of whether I receive a commission if you apply for it using my link.
  • Please comment below if you find any errors in the information I provide, if a link no longer works, if you find a better offer, if there is another card you’d like me to feature, etc. I will update the list based on those comments. I will then comment back to let everyone know that I’ve made the change.
  • If you want to be notified of those comments, you can subscribe to the comment thread by clicking here.

I’m grateful to FrequentMiler, Doctor of Credit, and The Points Guy, whose posts on miles, points, and credit cards have influenced my thinking in these areas and aided me in my valuation of miles, points, and credit card signup bonuses.

Please note: I reserve the right to delete comments that are offensive or off-topic.

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7 thoughts on “Best Credit Card Signup Offers

  1. Thanks for compiling all of this info Brian! It is super helpful! Two questions:
    1: Does it affect my credit score to be an authorized user for one of my husbands credit cards?
    2: Can you explain the difference between business vs personal cards. Ie. What requirements must be met to get a business card, and can you only use them on business expenses?


    • Great questions, Jennifer.

      1) It *can* affect your credit score to be an authorized user, but it doesn’t always. The way in which it can do so is if the bank reports the account on which you are an AU to Experian, Equifax, and/or Transunion. In such cases, you absorb the primary cardholder’s account history for the card to which you’re added. To understand the complexities of the issue as and to get a feel for which card issuers are likely to report your AU card to a credit bureau, check out this post:

      I no longer recommend that spouses add each other as authorized users. That’s because Chase won’t approve you for most of their best cards if it appears you have opened 5 or more cards in the past 24 months (the “5/24 Rule”), and being added as an AU usually counts toward that tally.

      2) Personal cards usually provide more protections than business cards. Business cards can be gotten even if you just have a “sole proprietorship,” in which case you can apply for the business card using your SSN instead of a business EIN. One thing to pay attention to, however, are the terms of the business card. Some cards state something to the effect of the need for you to use the card for business expenses. I’m not a lawyer, but it seems to me that as long as you have some business expenses and charge them to the card, you shouldn’t have a problem abiding by that term. But other business cards’ terms state that you must use the card *only* for business expenses. In that case, you wouldn’t be able both to abide by the terms and to meet the minimum spend unless you have substantial business expenses.

  2. Dr. McAdam,

    Great Blog! Question: If your intent is to travel, would you rather have travel points rewarded you or straight cash. My thought is that with cash I have more freedom; to search the cheapest flight, at the right time, going to the right place (aka Mexico). Do you think this is a true assumption?