Credit card welcome offers are the fastest way to earn a ton of points with relatively little spending. I never worry about running out of cards because there are always new offers to be found.
Here are the current best ones.
Chase Sapphire Preferred® Card (NEW OFFER!)
The Chase Sapphire Preferred® Card is my number one go-to beginner card and my top recommendation for anyone who does not already have it. It currently earns 75,000 bonus points (up from 60,000!) when you spend $5,000 in your first 3 months from account opening.
Read more about the card and why I love it HERE.
<All information about the Chase Sapphire Preferred® Card has been collected independently by The Traveling Hansens. The card details on this page have not been reviewed or provided by the card issuer.>
Trio of Fee-Free Capital One Cards
Capital One just boosted the welcome offers for three of its popular no-annual-fee cards. We rarely see elevated offers on these cards, so now is a great time to grab one of them! Let’s take a look at each.
- Capital One VentureOne Rewards Credit Card: Earn 20,000 bonus miles plus a $100 Capital One Travel credit when you spend $500 in the first three months from account opening. This card earns an easy 2x on all purchases. It’s my top choice out of these three!
- Capital One Savor Cash Rewards Credit Card: Earn a $200 cash bonus plus a $100 Capital One Travel credit when you spend $500 in the first three months from account opening. This card is a good option for those who spend a lot of money on food and entertainment each month. It earns 3% back on dining, entertainment, and grocery stores.
- Capital One Quicksilver Cash Rewards Credit Card: Earn a $200 cash bonus plus a $100 Capital One Travel credit when you spend $500 in the first three months from account opening. This is my least favorite of the three options because it earns 1.5% back on all purchases, but it’s a good choice if you’re brand new to opening cards and are looking to help boost your credit score and history.
Note – even though the second two cards earn cash back, this can be converted to Capital One Miles if you also have or will have a miles-earning card.
Chase Sapphire Reserve® and Sapphire Reserve for Business℠
The Sapphire Reserve has been completely revamped with a new welcome offer, new benefits, and a new (bigger) annual fee. The BEST-EVER welcome offer is for 125,000 points when you spend $6,000 in the first three months. This is an excellent offer that fully offsets the annual fee for the first year!
The Sapphire Reserve for Business is a brand-new card! It was launched during the Sapphire Reserve revamp and also includes a slew of benefits to go along with the larger annual fee. The welcome offer is for a whopping 200,000 points when you spend $30,000 in the first six months. This breaks down to just $5,000 per month, so if you can meet that spending requirement, this card is an excellent option!
As part of the revamp, Chase also reworked the eligibility requirements for the Sapphire suite of cards. You can read more about that and further details about the card offers and benefits in this post.
<All information about the Chase Sapphire Reserve® and Sapphire Reserve for Business℠ has been collected independently by The Traveling Hansens. The card details on this page have not been reviewed or provided by the card issuer.>
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is an excellent card with premium benefits like a $300 travel credit, unlimited airport lounge access, a 10,000-mile anniversary bonus, no foreign fees, and more. The welcome offer is for 75,000 miles when you spend $4,000 in the first three months. This is a pretty standard amount for a rewards card and is actually low compared to other premium cards. There is a $395 annual fee, which is fully covered by all of the great benefits. You can read more about the card here.
If you’re unfamiliar with Capital One Miles, you can check out this post, which goes over everything you need to know about these flexible miles.
Related: Compare the Capital One Venture and Venture X
Southwest Rapid Rewards Personal Cards
Brand new offers for 100,000 points when you spend $4,000 in the first five months. Southwest has made a ton of changes over the past few months. They took away their two free checked bags policy, they’re implementing assigned seating starting in January 2026, and they’ve switched up the benefits and fees on their credit cards.
It sounds like a lot of negative changes, but it’s not all bad. I am personally happy that seats will be assigned now. I wasn’t a fan of the open seating policy. Also, we always fly carry-on only, so the checked bag policy never affected me.
The other good news is that these new card offers mean that you can earn the Companion Pass with just one welcome offer, plus a little extra spending and/or referring people to the card! I’ve updated my Companion Pass article with all of the changes and info about the new card offers, so check that out here.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Great new offer on a Citi card that earns American Airlines miles. Right now, earn 80,000 miles when you spend $3,500 in the first four months of account opening.
American Airlines miles are super valuable. They regularly run sales on award flights for as low as 5,000 points for domestic flights or 15,000 points for international flights. We used 35,000 AA miles per person to book flights to Tokyo for later this year. We also used 60,000 AA miles per person last year to book round-trip flights to Ireland.
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Atmos Credit Cards
Alaska Airlines and Hawaiian Airlines recently merged, and as part of this merger, a new rewards program called Atmos™ Rewards has been introduced. Along with the new program are three new credit cards – two of which are rebranded versions of former cards, and another card that is brand-spanking-new.
Here are the details:
- Atmos™ Rewards Summit Visa Infinite® Card – Earn 100,000 Atmos Rewards points plus a 25,000-point Global Companion Award after spending $6,000 within the first 90 days of account opening. This is a brand-new premium travel card with extra perks like a 25,000-point Global Companion Award, eight Alaska lounge access awards, accelerated status earning, and benefits when making purchases outside of the U.S.
- Atmos™ Rewards Ascent Visa Signature® Card – Earn 80,000 Atmos Rewards points plus a $99 Companion Fare after spending $4,000 within the first 120 days. This mid-tier card is just a rebrand of the former Alaska Airlines Visa Signature® card, offering a Companion Fare benefit and solid everyday travel rewards.
- Atmos™ Rewards Visa® Business Card – a business version of the Ascent card. This is a good option that won’t count against your 5/24 status.
Find the link to all three cards here.
It’s worth noting that you’re not eligible for the Ascent or Business Card if you currently have or have had a previous Alaska Airlines version of the card.
Furthermore, Bank of America has a 2/3/4 rule, which states that you won’t be approved if you’ve opened two BoA cards in the last two months, three BoA cards in the last 12 months, or 4 BoA cards in the last 24 months.
Lastly, if you don’t have a BoA banking account, you likely won’t be approved if you’ve opened three or more cards from any bank in the last 12 months. The threshold increases to seven cards if you do have a BoA banking account.
Capital One Spark Cash Plus
The Capital One Spark Cash Plus has a huge spending requirement of $30,000 in the first three months of account opening. However, if you can meet that, you will earn the giant welcome offer of $2,000 cash back.
The card earns an easy 2X on all purchases, so after meeting the spending requirement and earning the welcome offer, you’ll have a whopping $2,600!! You can combine this cash back with a Capital One Miles-earning card to change into 260,000 flexible miles. Bananas.
RELATED: Business Cards with the Highest Offers
Chase Ink Business Cards
If those previous two business cards’ required spending is too high (I get it, they’re both a lot!), then the Ink Business suite of cards are great alternatives. These cards are a great way to stock up on a mountain of Chase points. Furthermore, they don’t count against your 5/24 number since they are business cards. Plus, two of them have no annual fee. They’re no-brainers!
Learn more about all of the Ink Business cards here.
If none of these cards are a good fit for you, check out my top recommended cards sorted by category.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.