Cards at an All-Time-High Bonus

By Alex Compton · Updated 2026-09-05

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 7 of the 40 cards we track are at a verified all-time high, while 19 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

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	Atmos Rewards Ascent Visa Signature CardRecord Bank of America · personal	70,000	$1,015	$2,500 / 3mo	$95	View Offer
4	Chase Ink Business UnlimitedRecord Chase · business	100,000	$1,000	$8,000 / 4mo	$0	View Offer
5	Chase Ink Business CashRecord Chase · business	100,000	$1,000	$8,000 / 4mo	$0	View Offer
6	Bank of America Unlimited Cash RewardsRecord Bank of America · personal	$250	$250	$1,000 / 3mo	$0	View Offer
7	Wayfair MastercardRecord Citi · personal	5,000	$50	$100 / 0mo	$0	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
Wells Fargo Active Cash Wells Fargo	$100	$200	−50%
Capital One Venture X Business Capital One	150,000	300,000	−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%
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%
Navy Federal More Rewards American Express Navy Federal Credit Union	20,000	30,000	−33%
Southwest Rapid Rewards Priority Credit Card Chase	60,000	85,000	−29%
Chase Sapphire Preferred Chase	75,000	100,000	−25%
Capital One Venture X Capital One	75,000	100,000	−25%
Capital One Venture Capital One	75,000	100,000	−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%
Hilton Honors American Express Aspire Card American Express	150,000	180,000	−17%
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.