The most valuable welcome bonuses available right now, ranked by total first-year value.
Chase
Rewards Rate
1x-3x
Annual Fee
$95
Intro Offer
100K pts
Regular APR
21.24%–26.24%+
Massive 100,000-point sign-up bonus and 3x on travel, shipping, and advertising (up to $150k/year). Points transfer to airline partners. The $95 fee is modest for this level of rewards.
Chase
Rewards Rate
1x-5x
Annual Fee
$95
Intro Offer
60K pts
Regular APR
21.49%–28.49%+
The go-to travel card for many. Strong sign-up bonus, flexible points, and 3x on dining. Annual fee is justified by the value for frequent travelers.
Chase
Rewards Rate
1x-10x
Annual Fee
$550
Intro Offer
60K pts
Regular APR
22.49%–29.49%+
The ultimate travel card with a $300 annual travel credit, Priority Pass lounge access, and 10x on Chase Travel. Best for frequent travelers who can offset the $550 fee with credits and perks.
Capital One
Rewards Rate
2x-10x
Annual Fee
$395
Intro Offer
75K mi
Regular APR
19.99%–29.99%+
Premium travel card with a reasonable annual fee offset by $300 travel credit and 10,000 anniversary miles. Simple 2x on everything.
Chase
Rewards Rate
2x-6x
Annual Fee
$95
Intro Offer
3 free night awards
Regular APR
21.49%–28.49%+
Mid-tier Marriott card with a sign-up bonus of 3 free nights (each worth up to 50k points). Annual free night certificate and automatic Silver Elite status make it worthwhile for regular Marriott guests.
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