Best Credit Card Sign-Up Bonus
Best Credit Card Sign-Up Bonus of October 2024
Are you searching for the best credit card sign-up bonus for 2024? If you’re nodding your head right now, you’re at the right place. At Credit Card Ease, we specialize in all things related to credit cards. For this month, we’ve gathered credit cards offering top sign-up bonuses. The reviewers are based on our experts’ findings, and other factors do not influence them. That’s because we believe in bringing bias-free information to our readers.
If you’re wondering what a sign-up bonus is, let us clear up any confusion. A sign-up bonus is an incentive credit card issuer offers to encourage new customers to apply for and use their credit cards. Now that you have an idea, let’s move to the reviews of the cards. Remember that our reviewers spent days gathering information about the options listed here. So, take a few minutes out of your busy schedule to read them.
Without further ado, here are the top credit card sign-up bonus of 2024. Enjoy reading, and we hope you find one that suits your preferences.
Our Top Recommendations Based on Your Preferences
Best Credit Card Sign-Up Bonuses: 2024 Edition
Chase Sapphire Preferred® Card
Our Rating:
4.9
Rewards Rate
5x
5x on travel purchased through Chase Travel℠
3x
3x on dining, select streaming services and online groceries.
2x
2x on all other travel purchases.
1x
1x on all other purchases.
Intro offer
60,000 bonus points
Annual fee
$95
Regular APR
21.49% - 28.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
- Earn 100,000 points after spending $4,000 in the first 3 months.
- 2x points on travel and dining; 1x point on other purchases.
- $95 annual fee.
- Includes trip cancellation/interruption insurance, primary rental car insurance, and no foreign transaction fees.
- Variable APR ranges from 21.49% to 28.49%, based on creditworthiness.
Bank of America® Unlimited Cash Rewards Credit Card
Our Rating:
3.8
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on all purchases.
Intro offer
$200
Annual fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
670-850 (Good to Excellent)
- 1.5% cash back on all purchases.
- $200 online cash rewards after making at least $1,000 in purchases in the first 90 days.
- $0 annual fee.
- Variable APR ranges from 17.74% to 27.74%, based on creditworthiness.
- 0% intro APR for the first 15 billing cycles on purchases and balance transfers.
Chase Freedom Unlimited®
Our Rating:
5.0
Rewards Rate
5%
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5%
1.5% on all other purchases
Intro offer
Up to $300 cash back
Annual fee
$0
Regular APR
20.49% - 29.24% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
- 1.5% cash back on all purchases, 5% on travel purchased through Chase, 3% on restaurant dining, and 3% on drugstore purchases.
- $200 after spending $500 on purchases in the first 3 months.
- $0 annual fee.
- Variable APR ranges from 16.49% to 25.24%, based on creditworthiness.
- 0% intro APR on purchases and balance transfers for the first 15 months.
Chase Sapphire Reserve®
Our Rating:
5.0
Rewards Rate
10x
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x
Earn 5x total points on flights through Chase Travel℠
3x
Earn 3x points on other travel and dining.
1x
Earn 1 point per $1 spent on all other purchases.
Intro offer
60,000 bonus points
Annual fee
$550
Regular APR
22.49% - 29.49% variable
at Chase's secure site
Recommended credit
740-850 (Excellent)
- 60,000 points after spending $4,000 in the first 3 months, worth $900 in travel through Chase Ultimate Rewards®.
- 3x points on travel and dining, 1x point on other purchases.
- $550 annual fee.
- $300 annual travel credit.
- Variable APR ranges from 21.49% to 28.49%, based on creditworthiness.
United℠ Explorer Card
Our Rating:
3.9
Rewards Rate
2X
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
1X
1 mile per $1 spent on all other purchases
Intro offer
Earn 60,000 bonus miles
Annual fee
$95, waived first year
Regular APR
21.99% - 28.99% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
- 70,000 miles after spending $3,000 in the first 3 months.
- 2x miles on United purchases, dining, and hotels, and 1x miles on other purchases.
- $0 introductory annual fee for the first year, then $95.
- First checked bag-free on United flights.
- Variable APR ranges from 21.49% to 28.49%, based on creditworthiness.
Citi Rewards+® Card
Our Rating:
3.9
Rewards Rate
5X
Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
Intro offer
20,000 points
Annual fee
$0
Regular APR
18.74% - 28.74% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
- 20,000 points after spending $1,500 in the first 3 months.
- 2x points at supermarkets and 1x point on other purchases.
- $0 annual fee.
- Points rounded up to the nearest 10 on every purchase.
- Variable APR ranges from 17.24% to 27.24%, based on creditworthiness.
Southwest Rapid Rewards® Plus Credit Card
Our Rating:
4.7
Rewards Rate
2X
Earn 2X points on Southwest® purchases.
2X
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
Intro offer
Earn 50,000 points
Annual fee
$69
Regular APR
21.49% - 28.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
- 40,000 points after spending $1,000 in the first 3 months.
- 2x points on Southwest purchases, 1x point on other purchases.
- $69 annual fee.
- 3,000 bonus points on your cardmember anniversary.
- Variable APR ranges from 21.24% to 28.24%, based on creditworthiness.
Southwest Rapid Rewards® Priority Credit Card
Our Rating:
4.1
Rewards Rate
3X
Earn 3X points on Southwest® purchases.
2X
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases
Intro offer
Earn 50,000 points
Annual fee
$149
Regular APR
21.49% - 28.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
- 50,000 points after spending $1,000 in the first 3 months.
- 2x points on Southwest purchases, 1x point on other purchases.
- $149 annual fee.
- 7,500 bonus points on your cardmember anniversary.
- Variable APR ranges from 21.24% to 28.24%, based on creditworthiness.
Frequently Asked Questions
A credit card sign-up bonus is a promotional offer credit card issuers provide to attract new customers. It typically involves earning rewards, such as cashback, points, or miles, after meeting specific spending requirements within a certain period, such as the first three months.
To maximize a sign-up bonus, ensure you meet the spending requirement within the specified time frame without overspending. Use the card for everyday purchases and pay off the balance in full to avoid interest charges. Also, consider choosing a card that aligns with your spending habits and financial goals to maximize the value of the bonus.
While sign-up bonuses can be lucrative, they may have drawbacks such as high annual fees, higher interest rates, or complex terms and conditions. It's important to evaluate the overall cost of the card, including any fees, and ensure that the benefits outweigh these costs.
Our Methodology And Research
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.