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Best credit card bonuses for June 2025

Updated June 13, 2025

Advertiser Disclosure: Bankrate’s editorial team chooses and recommends the credit cards on this page. While we may receive compensation when users apply for cards through this page, our recommendations and card ratings are produced independently without influence by advertising partnerships with issuers.

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Best for occasional travelers

Capital One Venture Rewards Credit Card

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4.1
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5.0
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Recommended credit score:670 - 850
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Intro offer

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Earn 75,000 miles

Rewards rate

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2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.24% (Variable)

Why you'll like this: It offers a solid sign-up bonus, great ongoing rewards rates and flexibility, so it's a terrific starter travel card.

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Best for luxury travel

The Platinum Card® from American Express

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4.4
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4.8
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Recommended credit score:Good to Excellent
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Intro offer

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Earn 80,000 points

Rewards rate

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5X

Annual fee

$695

APR

See Pay Over Time APR

Why you'll like this: It boasts perhaps the most valuable perks and intro bonus you can get on a travel rewards card.

Best for travel redemption

Chase Sapphire Preferred® Card

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4.2
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4.9
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Recommended credit score:670 - 850
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Intro offer

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60,000 bonus points

Rewards rate

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1x - 5x

Annual fee

$95

Regular APR

19.99% - 28.24% Variable

Why you'll like this: Since Chase points hold a high value whether you redeem for travel or cash back, this card is ideal for beginners and occasional travelers.

Best for travel perks

Capital One Venture X Rewards Credit Card

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4.4
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5.0
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Recommended credit score:740 - 850
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Intro offer

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Earn 75,000 miles

Rewards rate

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2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.24% (Variable)

Why you'll like this: Its streamlined rewards rates, sign-up bonus value and travel perks could make it a better deal than other premium travel cards.

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Best for groceries

Blue Cash Preferred® Card from American Express

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4.3
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4.4
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Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn $250

Rewards rate

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1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable

Why you'll like this: It boasts an exceptional intro bonus and a top rewards rate in key everyday categories.

Best for flat-rate rewards

Wells Fargo Active Cash® Card

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4.3
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Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Intro offer

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$200 cash rewards

Rewards rate

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2%

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Why you'll like this: The card’s simplicity gives you a lot of flexibility in earning rewards.

Best for foodies

Capital One Savor Cash Rewards Credit Card

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4.4
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5.0
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Recommended credit score:670 - 850
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Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

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Earn $200 Cash Back

Rewards rate

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1% - 8%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you'll like this: Its platter of bonus categories offers some of the best rates you can get on grocery and dining purchases.

Best for customizable cash back

Bank of America® Customized Cash Rewards credit card

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4.4
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3.8
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Recommended credit score:670 - 850
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on Bank of America's secure site

Intro offer

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$200

Rewards rate

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1% - 6%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR on purchases and balance transfers

Why you'll like this: Its bonus carries a low spending requirement and the card offers the flexibility to pick your top-rate bonus category, so it’s easy to maximize rewards.

Best airline bonus

Southwest Rapid Rewards® Plus Credit Card

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4.3
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4.3
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Recommended credit score:670 - 850
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on Chase's secure site

See Rates & Fees

Intro offer

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Earn 50,000 bonus points.

Rewards rate

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1X - 2X

Annual fee

$69

Regular APR

20.49% - 27.49% Variable

Why you'll like this: Its intro bonus offers a terrific return on spend and a nice boost toward the Companion Pass, which could save you thousands on Southwest flights.

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Best hotel bonus

Hilton Honors American Express Surpass® Card

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4.7
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Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn 130,000 Hilton Honors Bonus Points

Rewards rate

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3X - 12X

Annual fee

$0 introductory annual fee for the first year, then $150.

APR

20.24%-29.24% Variable

Why you'll like this: You can score a great intro offer, lucrative everyday rewards and valuable Hilton perks at a reasonable cost.

Best for students

Bank of America® Travel Rewards credit card for Students

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4.2
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Recommended credit score:670 - 850
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on Bank of America's secure site

Intro offer

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25,000 points

Rewards rate

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1.5X - 3X

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR on purchases and balance transfers

Why you'll like this: In addition to its beginner-friendly flat rewards rate, it gives students a chance at one of the most valuable no-annual-fee card intro bonuses.

Best for business travel

American Express® Business Gold Card

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4.4
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5.0
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Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn 100,000 points

Rewards rate

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1X - 4X

Annual fee

$375

Regular APR

18.49% - 29.24% Variable

Why you'll like this: It's one of the most lucrative business cards for frequent flyers who want to maximize point value via transfer partners.

Best business cash back bonus

Ink Business Unlimited® Credit Card

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4.3
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4.2
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Recommended credit score:670 - 850
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Apply nowLock

on Chase's secure site

See Rates & Fees

Intro offer

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Earn $750 bonus cash back

Rewards Rate

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1.5%

Annual fee

$0

Regular APR

17.49% - 23.49% Variable

Why you'll like this: It boasts a streamlined rewards program and a more valuable intro bonus than most no-annual-fee business cards.

Best for rewards category variety

Chase Freedom Flex®

Chase Freedom Flex®

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4.8
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Recommended credit score:670 - 850
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Intro offer

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$200

Rewards rate

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1% - 5%

Annual fee

$0

Regular APR

18.99% - 28.49% Variable

Why you'll like this: Its combo of year-round and rotating bonus categories gives it more ongoing value than other rotating category cards.

compare
Compare

Compare Bankrate's top credit card bonus offers

Card Welcome offer Annual fee Bankrate review score
Intro Offer: Earn 75,000 miles
Info Icon
$95

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: Earn 80,000 points
Info Icon
$695

4.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: 60,000 bonus points
Info Icon
$95

4.9 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Intro Offer: Earn 75,000 miles
Info Icon
$395

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: Earn $250
Info Icon
$0 intro annual fee for the first year, then $95.

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: $200 cash rewards
Info Icon
$0

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Intro Offer: Earn $200 Cash Back
Info Icon
$0

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Intro Offer: $200
Info Icon
$0

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Intro Offer: Earn 50,000 bonus points.
Info Icon
$69

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Intro Offer: Earn 130,000 Hilton Honors Bonus Points
Info Icon
$0 introductory annual fee for the first year, then $150.

4.7 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: 25,000 points
Info Icon
$0

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Intro Offer: Earn 100,000 points
Info Icon
$375

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: Earn $750 bonus cash back
Info Icon
$0

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Intro Offer: $200
Info Icon
$0

Types of credit card bonuses

Credit card bonuses are typically distributed as additional cash back, points or miles. However, several types of welcome offers can be just as valuable — if not more so — than traditional, straightforward offers.

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These offers are the most straightforward to earn and most commonly available on credit cards. They’re great if you want to earn a lump sum of points, miles or cash back for short-term spending. 

No-annual-fee cards usually offer a $200 value for spending $500 to $1,000 within the first three months, and premium card bonuses often go up to $500 to $800 for $4,000 to $6,000 spent in the first three to six months. Business cards sometimes offer an even more valuable bonus with a higher spending requirement.

Co-branded airline or hotel credit cards often offer perks like airfare companion passes or free night awards for meeting bonus spending requirements. One example is the Alaska Airlines Visa Signature® credit card, which includes Alaska’s Famous Companion Fare™ as part of its limited-time welcome offer. 

Depending on how you use them, award nights and airfare companion passes can be some of the most valuable offers on the market. You may be able to squeeze thousands of dollars in value from these perks depending on how and when you utilize them.

Cards can sometimes offer boosted rewards rates in special bonus categories  — or even on general spending — when you first open the card. These limited-time bonus categories usually expire after you reach a spending cap and/or after a certain time. For example, we’ve seen some cards provide a temporary 3 percent to 5 percent back on additional categories like travel, dining or groceries for up to a year.

Limited-time rewards rates can sometimes carry even more potential than the typical bonus offer depending on your spending habits and the intro rate’s spending limitations. For example, an extra 1.5 percent back on up to $20,000 in spending in your first year could be worth up to $300 in cash back.

This type of welcome offer doesn’t hold a set value. It’s based instead on your spending. These offers typically match the rewards you earn within a set period and can be especially valuable for big spenders. The best example is the Cashback Match® that Discover cards provide.

A credit card may offer an upfront bonus the moment you’re approved instead of setting a spending requirement. This offer is more common among store credit cards, which typically offer a gift card worth around $50 to $150 when you’re approved for the card, such as the Amazon gift card that comes with opening the Prime Visa card.

What makes a great credit card welcome offer?

Sign-up bonuses are some of the best tools a credit card issuer has to reel in applicants and, in the case of limited-time offers, try to push people to act fast. That’s why it’s important to carefully weigh a welcome offer beforehand to make sure you’re actually getting a good deal. To properly gauge whether a welcome offer is “great,” determine whether it’s an above-average value, fits your normal spending, suits your reward preferences and if it’s ultimately worth the effort.

And depending on your credit score, you may see an above-average welcome offer on a website or in the mail. Waiting for one of these could score patient applicants even more value. In fact, a personalized offer was the deciding factor for Bankrate editor Madison Hoehn when she finally applied to the American Express® Gold Card:

Bankrate staff insights

My decision to apply for the American Express® Gold Card was influenced by the boosted welcome offer I received through Bankrate's CardMatch tool. It substantially elevated the Amex Gold Card's 60,000-point offer at the time to 100,000 points — all for the same $6,000 spending requirement in the first six months. I was already considering this card anyway, as its main rewards categories align with my natural spending, but the hefty welcome bonus definitely played a part in my final decision to choose it over the Chase Sapphire Preferred® Card and the Bank of America® Customized Cash Rewards credit card.

Madison Hoehn Madison Hoehn, Bankrate credit cards editor

Best card offer rankings: Intro bonus vs. long-term value

Now is the perfect time to pursue a travel welcome offer to save on any upcoming travel expenses now that issuers are beginning to roll out their valuable, summer offers. Although the Capital One Venture limited-time offer, Chase Sapphire Preferred limited-time offer and Southwest credit cards’ coveted Companion Pass offer have come and gone, we’re excited to see the Bank of America Customized Cash card’s new boosted rewards rate offer and more elevated bonuses on the horizon.

To get a sense of how these new offers stack up, we've ranked the bonus offers on this page by their estimated welcome offer value compared to other cards’ in the same category, according to Bankrate’s points and miles valuations. Since long-term value can be an equally weighty factor, we’ve also ranked these same card offers by their annual rewards and perk value for the average person so that you can quickly find the most well-rounded option for you.

Card name
 
Spending requirement
 
Estimated value*
 
Return on spend
 
Value ranking*
 
American Express® Business Gold Card Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* $2,000 13% Highest-value business card offer
The Platinum Card® from American Express Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. $1,600 20% Highest-value personal rewards card offer
Bank of America® Travel Rewards credit card for Students 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. $250 25% Highest-value student card offer
Capital One Venture Rewards Credit Card Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening $1,275 31% Better value than 98% of rewards cards
Capital One Venture X Rewards Credit Card Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel $1,275 31% Better value than 98% of rewards cards
Bank of America® Customized Cash Rewards credit card $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. $318 6% Better value than 94% of cash rewards cards
Chase Sapphire Preferred® Card Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. $1,200 24% Better value than 90% of rewards cards
Blue Cash Preferred® Card from American Express Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. $250 8% Better value than 85% of cash rewards cards
Hilton Honors American Express Surpass® Card Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025. $780 26% Better value than 75% of rewards cards
Southwest Rapid Rewards® Plus Credit Card Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. $750 75% Better value than 67% of rewards cards
Ink Business Unlimited® Credit Card Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. $750 12% Better value than 66% of business cards
Capital One Savor Cash Rewards Credit Card $200 Cash Back after you spend $500 on purchases within 3 months from account opening $200 40% Better value than 51% of cash rewards cards
Chase Freedom Flex® Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening $200 40% Better value than 51% of cash rewards cards
Wells Fargo Active Cash® Card Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months $200 40% Better value than 51% of cash rewards cards
Bank of America® Customized Cash Rewards credit card $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. $200 20% Better value than 51% of cash rewards cards

*Bonus values and rankings are based on Bankrate’s points and miles valuations and the current bonus available on each card compared with the values of other cards’ bonuses in our rankings database.

While most cards typically have a 1-cent rewards value, we used Bankrate's 2025 points and miles valuations to calculate a travel card's typical ongoing rewards value. To determine the card’s estimated yearly value, we combined this average ongoing rewards value with its potential perk value each year, minus the annual fee. We’ve also ranked each of the cards on this page by this estimated yearly value compared to the other cards in its category.

Card name Estimated yearly value** Value ranking**

The Platinum Card® from American Express

$2,611 Highest average annual value for a personal rewards card

American Express® Business Gold Card

$1,642 Highest average annual value for a business card

Capital One Venture X Rewards Credit Card

$1,306 Better value than 99% of rewards cards

Blue Cash Preferred® Card from American Express

$580 Better value than 98% of cash rewards cards

Chase Sapphire Preferred® Card

$994 Better value than 97% of rewards cards

Chase Freedom Flex®

$610 (assumes maximized spend in quarterly categories) Better value than 96% of cash rewards cards

Capital One Savor Cash Rewards Credit Card

$542 Better value than 92% of cash rewards cards

Capital One Venture Rewards Credit Card

$772 Better value than 88% of rewards cards

Wells Fargo Active Cash® Card

$450 Better value than 75% of cash rewards cards

Bank of America® Travel Rewards credit card for Students

$364 Better value than 75% of student cards

Ink Business Unlimited® Credit Card

$720 Better value than 71% of business cards

Hilton Honors American Express Surpass® Card

$753 (excludes the possible Free Night Award, we estimate to be worth up to $570) Better value than 70% of rewards cards

Southwest Rapid Rewards® Plus Credit Card

$404 Better value than 60% of rewards cards

Bank of America® Customized Cash Rewards credit card

$425 Better value than 55% of cash rewards cards

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Expert tips: How to maximize your credit card bonus

To make the most of a credit card bonus, you should continue to make wise credit decisions and avoid debt to keep your balance manageable. Here are some tips and for making sure you don’t overspend and outpace the value of your new bonus with interest charges and fees:

  • Invest Search Icon

    Plan ahead

    Assess the offer’s spending requirements and the value of the points you’ll earn. Bankrate’s points and miles valuations can help you understand the value of any potential bonus so you can redeem your rewards wisely.

  • Invest Icon

    Spend normally

    Make timely payments and stay within your budget. If you spend beyond your means, you risk running up interest charges that can eat away at the value of your bonus or ongoing rewards.

  • Credit Card With Clock Icon

    Consider long-term value

    New credit accounts lower your average account age, hurting your credit score. While bonuses can be attractive incentives, they shouldn’t be your sole reason for choosing a credit card. Avoid opening new cards just for the bonus unless these cards will help you in the long term.

These are great pointers for almost anyone, but micromanaging your rewards for the optimum transfer partner value isn’t for everyone. To help you get the most bang for your buck, senior Bankrate editor Courtney Mihocik shares her tried-and-true approaches to getting the most value from welcome bonuses:

Bankrate staff insights

"I almost never stretch my spending to reach a sign-up bonus. I have before in the past, but now it's definitely not part of my strategy.

To make the most of an offer, I wait till I have a large purchase coming up and then look for the best credit card to fit into my overall spending. Right now, we're building a backyard deck, so I applied for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.* Whatever money from my savings I was going to use for the materials will go toward paying off this card's balance, and the extra cash back from the sign-up bonus and my chosen retailers for the quarter can cover some patio furniture for the new space."

Courtney Mihocik Courtney Mihocik, Bankrate senior credit cards editor

How Bankrate experts choose their cards with sign-up bonuses

Here’s how Bankrate writer Ryan Flanigan and senior editors Harlan Vaughn and Nouri Zarrugh chose their credit card welcome offers:

Bankrate staff insights

"I consider a card’s value in three parts: reward-earning potential, ongoing benefits and, of course, a welcome offer to get me through the door. Ultimately, I want a card to keep long-term. So, while a big welcome offer will get my attention, it’s the other card features that keep me loyal. That said, for cards I’m interested in, I’ll try to wait it out for a larger-than-usual incentive to make the leap.

For instance, I've had my eye on the Fidelity® Rewards Visa Signature® Credit Card* for a while because it had an intro APR offer on purchases (at the time I applied), 2 percent flat rewards rate and a few ongoing benefits. But it usually doesn’t have a welcome offer, so I only recently opened the card once it provided a welcome bonus. I deposited the bonus directly into my Roth IRA, and I'm using the intro APR for more wiggle room to pay off purchases."

Harlan Vaughn Harlan Vaughn, Bankrate senior credit cards editor

"I take a different approach with cash back than I do with travel rewards. With a cash back bonus, it's all about value — if the bonus gives me good value back on my spending (and the card's ongoing rewards make sense for me), I don't hesitate to apply. I know I'll use the bonus eventually. 

With a travel card, I tend to only apply when I have a specific trip in mind, especially if it's a card with an annual fee. I could save those points, sure, but since I only travel occasionally, they may sit a long time. I feel more comfortable when I know I'll be able to make quick use of them."

Nouri Zarrugh Nouri Zarrugh, Bankrate senior credit cards editor

“Getting a good sign-up bonus is one of the most important factors to consider when opening a new card in my opinion. I place a lot of focus on how the current offer compares to previous offers because getting a lower offer than what came before can be lost value.

I also think about how the card will meet my needs overall. If I have a travel goal with an airline or hotel, a sign-up bonus can give me a big boost toward the amount of miles or points I need. Also, will any bonus categories help me earn more points while spending towards meeting the bonus? The more value I can extract initially, the better set up I'll be towards meeting my travel or cash back goals.

Lastly, I consider if I can achieve the spending requirement in the allotted time frame. The biggest mistake someone can make is failing to spend enough to earn the welcome bonus because you won't get another chance. If I have large upcoming expenses, I try to put them towards a new sign-up bonus."

 Ryan Flanigan Ryan Flanigan, Bankrate credit cards writer

Frequently asked questions about credit cards with sign-up bonuses

How we assess the best credit cards with bonus offers

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250+
cards rated
Congrats Icon
50+
rewards programs valued
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5000
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We select cards for “Best” credit cards pages based primarily on how cards score in our proprietary card rating system, our editors’ subjective assessment of card quality, card approval odds and credit requirements and unique card features. 

Cards typically must score a minimum of 3.0 stars to be included on a “Best” list. However, we may include cards with scores below 3.0 if they have low credit requirements or unique features — despite their scores, these cards may still be among the “best” in certain categories. Card ratings are not influenced by advertisers or issuer relationships in any way. 

Card selection and ordering may vary based on business considerations, including Bankrate visitor interest, site interactions and card application volume. Affiliate commissions (see how we make money), limited-time offers and a card’s general popularity in the product landscape may also influence which cards we feature on our pages and the order in which they appear. Bankrate’s editorial and business teams also strive to feature a variety of card types from various issuers.

Here’s a quick look at how our rating methodology breaks down for card card welcome offers:

Rewards & cash back card scoring factors

5
Rating: 5 stars out of 5
Overall Score
  • Value 65%
  • Flexibility 15%
  • Perks 15%
  • Customer experience 5%

Business card scoring factors

5
Rating: 5 stars out of 5
Overall Score
  • Value 40%
  • Flexibility 20%
  • Perks 20%
  • Customer experience 20%

The information about the Fidelity® Rewards Visa Signature® Credit Card, U.S. Bank Shopper Cash Rewards® Visa Signature® Card, Chase Freedom Flex® and Citi Custom Cash has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.