Cards at an All-Time-High Bonus

By Alex Compton · Updated 2026-10-12

A sign-up bonus is only worth chasing when it is genuinely elevated. We track every public offer against its own history, so you can tell a real record from a routine promotion. Right now 27 of the 174 cards we track are at a verified all-time high, while 60 are sitting below their best-ever offer. This page rebuilds itself the moment an offer moves.

At a verified record high

Below their best-ever offer

174

Cards tracked

At a Verified Record High

The current welcome offer beats every earlier offer we have on file for this card. This is apply-now territory: the bonus has never been richer.

#	Card	Bonus	Our Value	Min Spend	Annual Fee
1	The Business Platinum Card from American ExpressRecord American Express · business	300,000	$6,000	$20,000 / 3mo	$895	View Offer
2	American Express Business Gold CardRecord American Express · business	200,000	$4,000	$15,000 / 3mo	$375	View Offer
3	Delta SkyMiles Reserve Business AmexRecord American Express · business	200,000	$2,300	$20,000 / 6mo	$650	View Offer
4	Citi AAdvantage Executive World Legend MastercardRecord Citi · personal	125,000	$1,750	$15,000 / 5mo	$695	View Offer
5	Marriott Bonvoy BoundlessRecord Chase · personal	150,000	$1,200	$3,000 / 3mo	$95	View Offer
6	United Club CardRecord Chase · personal	100,000	$1,200	$5,000 / 3mo	$695	View Offer
7	Mastercard Black CardRecord Barclays · personal	75,000	$1,125	$6,000 / 3mo	$699	View Offer
8	IHG One Rewards Premier Credit CardRecord Chase · personal	180,000	$1,080	$3,000 / 3mo	$150	View Offer
9	Atmos Rewards Ascent Visa Signature CardRecord Bank of America · personal	70,000	$1,015	$2,500 / 3mo	$95	View Offer
10	Chase Ink Business UnlimitedRecord Chase · business	100,000	$1,000	$8,000 / 4mo	$0	View Offer
11	Chase Ink Business CashRecord Chase · business	100,000	$1,000	$8,000 / 4mo	$0	View Offer
12	Wyndham Rewards Earner Business CardRecord Barclays · business	100,000	$1,000	$3,000 / 3mo	$149	View Offer
13	US Bank Business Triple Cash RewardsRecord U.S. Bank · business	$750	$750	$6,000 / 6mo	$0	View Offer
14	Wyndham Rewards Earner CardRecord Barclays · personal	75,000	$750	$1,000 / 3mo	$0	View Offer
15	U.S. Bank Business Altitude Connect Visa SignatureRecord U.S. Bank · business	75,000	$750	$6,000 / 6mo	$95	View Offer
16	Business Advantage Customized Cash RewardsRecord Bank of America · business	$500	$500	$5,000 / 3mo	$0	View Offer
17	Amtrak Guest Rewards MastercardRecord First National Bank of Omaha · personal	20,000	$500	$1,000 / 3mo	$0	View Offer
18	USAA Eagle Navigator Visa SignatureRecord USAA · personal	50,000	$500	$3,000 / 3mo	$95	View Offer
19	United Gateway CardRecord Chase · personal	40,000	$480	$1,000 / 3mo	$0	View Offer
20	U.S. Bank Cash+ Visa SignatureRecord U.S. Bank · personal	$250	$250	$1,000 / 3mo	$0	View Offer
21	Bank of America Unlimited Cash RewardsRecord Bank of America · personal	$250	$250	$1,000 / 3mo	$0	View Offer
22	PNC Cash Rewards VisaRecord PNC Bank · personal	$250	$250	$1,000 / 3mo	$0	View Offer
23	Regions Cash Rewards VisaRecord Regions Bank · personal	$200	$200	$1,000 / 3mo	$0	View Offer
24	Bread Cashback American ExpressRecord Bread Financial (Comenity) · personal	$200	$200	$1,000 / 3mo	$0	View Offer
25	OpenSky Plus Secured VisaRecord OpenSky · personal	$70	$70	$0 / 0mo	$0	View Offer
26	Wayfair MastercardRecord Citi · personal	5,000	$50	$100 / 0mo	$0	View Offer
27	OpenSky Secured VisaRecord OpenSky · personal	$20	$20	$0 / 0mo	$35	View Offer

Below Their Best-Ever Offer

These cards have run a bigger bonus before. If you are not in a hurry, history says a better offer is worth waiting for. The gap shows how far today's bonus sits under the record we have on file.

Card	Current Bonus	Best-Ever	Below Peak
Instacart Mastercard Chase	$50	$300	−83%
ANA Card U.S.A. Plus First National Bank of Omaha	5,000	15,000	−67%
Delta SkyMiles Reserve Amex American Express	50,000	125,000	−60%
Marriott Bonvoy Bevy American Express Card American Express	85,000	175,000	−51%
Wells Fargo Active Cash Wells Fargo	$100	$200	−50%
Capital One Venture X Business Capital One	150,000	300,000	−50%
Capital One Savor Student Cash Rewards Capital One	$50	$100	−50%
Capital One Quicksilver Student Cash Rewards Capital One	$50	$100	−50%
The Platinum Card from American Express Exclusively for Charles Schwab American Express	80,000	150,000	−47%
The Platinum Card from American Express Exclusively for Morgan Stanley American Express	80,000	150,000	−47%
Marriott Bonvoy Brilliant American Express Card American Express	100,000	185,000	−46%
Southwest Rapid Rewards Plus Credit Card Chase	50,000	85,000	−41%
US Bank Altitude Connect U.S. Bank	30,000	50,000	−40%
Priceline VIP Rewards Visa Barclays	15,000	25,000	−40%
JetBlue Business Card Barclays	50,000	80,000	−38%
One Key Card Wells Fargo	$250	$400	−38%
Qatar Airways Privilege Club Visa Signature Card Cardless	40,000	65,000	−38%
Southwest Rapid Rewards Premier Chase	55,000	85,000	−35%
Chase Sapphire Reserve Chase	100,000	150,000	−33%
Chase Freedom Unlimited Chase	20,000	30,000	−33%
Wells Fargo Autograph Wells Fargo	20,000	30,000	−33%
Southwest Rapid Rewards Premier Business Credit Card Chase	80,000	120,000	−33%
Citi Strata Card Citi	20,000	30,000	−33%
Emirates Skywards Rewards World Elite Mastercard Barclays	40,000	60,000	−33%
Choice Privileges Select Mastercard Wells Fargo	60,000	90,000	−33%
Navy Federal More Rewards American Express Navy Federal Credit Union	20,000	30,000	−33%
MGM Rewards World Elite Mastercard First National Bank of Omaha	20,000	30,000	−33%
Royal ONE Visa Signature Card Bank of America	30,000	45,000	−33%
Capital One Venture Business Capital One	100,000	150,000	−33%
Caesars Rewards Visa Signature Bread Financial (Comenity)	10,000	15,000	−33%
Marriott Bonvoy Bountiful Chase	85,000	125,000	−32%
Hilton Honors American Express Card American Express	70,000	100,000	−30%
Southwest Rapid Rewards Priority Credit Card Chase	60,000	85,000	−29%
Air France KLM Visa Signature Card Bank of America	50,000	70,000	−29%
Chase Sapphire Preferred Chase	75,000	100,000	−25%
United Explorer Card Chase	60,000	80,000	−25%
Capital One Venture X Capital One	75,000	100,000	−25%
Capital One Venture Capital One	75,000	100,000	−25%
Marriott Bonvoy Bold Chase	45,000	60,000	−25%
British Airways Visa Signature Card Chase	75,000	100,000	−25%
Aer Lingus Visa Signature Card Chase	75,000	100,000	−25%
Iberia Visa Signature Card Chase	75,000	100,000	−25%
Amtrak Guest Rewards Preferred Mastercard First National Bank of Omaha	30,000	40,000	−25%
Affinity FCU Cash Rewards Visa Signature Affinity Federal Credit Union	$1.5	$2	−25%
World of Hyatt Credit Card Chase	60,000	75,000	−20%
Aeroplan Credit Card Chase	60,000	75,000	−20%
Blue Cash Everyday Card American Express	$200	$250	−20%
Capital One Savor Capital One	$200	$250	−20%
Citi Strata Premier Citi	60,000	75,000	−20%
U.S. Bank Altitude Go Visa Signature U.S. Bank	20,000	25,000	−20%
Marriott Bonvoy Business American Express American Express	100,000	125,000	−20%
USAA Preferred Cash Rewards USAA	$200	$250	−20%
Breeze Easy Visa Signature Card Barclays	40,000	50,000	−20%
Hilton Honors American Express Aspire Card American Express	150,000	180,000	−17%
Amazon Visa Chase	$50	$60	−17%
Hilton Honors American Express Surpass Card American Express	130,000	155,000	−16%
Hilton Honors American Express Business American Express	150,000	175,000	−14%
JetBlue Plus Card Barclays	70,000	80,000	−13%
Citi / AAdvantage Business World Elite Mastercard Citi	65,000	75,000	−13%
Delta SkyMiles Gold Amex American Express	80,000	90,000	−11%

Methodology: for every public card we store the bonus, spend requirement, and window at each offer we have tracked. A card is a "verified record high" only when the live bonus is strictly larger than every prior offer on file, so a card cannot appear here simply for repeating an old peak or for having thin history. "Below their best-ever" lists cards whose live bonus is at least 10% under the highest bonus we have recorded. Dollar values multiply the bonus by our published cents-per-point valuation for each currency; cash bonuses are valued at face. Every card links to its full review and complete offer-history chart.

Writers and researchers: every offer-history chart on this site is embeddable. Open any card review and use the "Embed this chart" snippet under its chart, free with attribution, and the data stays live as offers change. Cite our numbers with a link to Credit Compound.