Cards at an All-Time-High Bonus

By Alex Compton · Updated 2026-07

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 35 of the 198 cards we track are at a verified all-time high, while 56 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

198

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	Chase Sapphire ReserveRecord Chase · personal	150,000	$3,075	$6,000 / 3mo	$795	View Offer
2	The Platinum Card from American Express Exclusively for Charles SchwabRecord American Express · personal	150,000	$3,000	$12,000 / 6mo	$895	View Offer
3	The Platinum Card from American Express Exclusively for Morgan StanleyRecord American Express · personal	150,000	$3,000	$12,000 / 6mo	$895	View Offer
4	Capital One Spark Cash PlusRecord Capital One · business	$2,000	$2,000	$30,000 / 3mo	$150	View Offer
5	Delta SkyMiles Reserve AmexRecord American Express · personal	125,000	$1,438	$6,000 / 6mo	$650	View Offer
6	World of Hyatt Credit CardRecord Chase · personal	75,000	$1,275	$5,000 / 3mo	$95	View Offer
7	United Business CardRecord Chase · business	100,000	$1,200	$5,000 / 3mo	$150	View Offer
8	United Club Business CardRecord Chase · business	100,000	$1,200	$5,000 / 3mo	$695	View Offer
9	Delta SkyMiles Platinum AmexRecord American Express · personal	100,000	$1,150	$4,000 / 6mo	$350	View Offer
10	Delta SkyMiles Gold AmexRecord American Express · personal	90,000	$1,035	$2,000 / 6mo	$150	View Offer
11	Delta SkyMiles Gold Business AmexRecord American Express · business	90,000	$1,035	$6,000 / 6mo	$150	View Offer
12	Atmos Rewards Visa Signature Business CardRecord Bank of America · business	70,000	$1,015	$4,000 / 3mo	$70	View Offer
13	Miles & More World Elite MastercardRecord Barclays · personal	70,000	$840	$3,000 / 3mo	$89	View Offer
14	IHG One Rewards Traveler Credit CardRecord Chase · personal	125,000	$750	$4,000 / 6mo	$0	View Offer
15	U.S. Bank Business Leverage Visa SignatureRecord U.S. Bank · business	75,000	$750	$7,500 / 4mo	$95	View Offer
16	Frontier Airlines World MastercardRecord Barclays · personal	60,000	$600	$500 / 3mo	$99	View Offer
17	Wyndham Rewards Earner CardRecord Barclays · personal	60,000	$600	$1,000 / 3mo	$0	View Offer
18	Allegiant Allways Rewards VisaRecord Bank of America · personal	30,000	$300	$1,500 / 3mo	$59	View Offer
19	MGM Rewards World Elite MastercardRecord First National Bank of Omaha · personal	30,000	$300	$1,000 / 3mo	$0	View Offer
20	Navy Federal cashRewardsRecord Navy Federal Credit Union · personal	$250	$250	$2,500 / 3mo	$0	View Offer
21	USAA Preferred Cash RewardsRecord USAA · personal	$250	$250	$1,000 / 3mo	$0	View Offer
22	Priceline VIP Rewards VisaRecord Barclays · personal	25,000	$250	$500 / 3mo	$0	View Offer
23	Holland America Line Rewards Visa CardRecord Barclays · personal	20,000	$200	$1,000 / 3mo	$0	View Offer
24	PNC Cash Rewards VisaRecord PNC Bank · personal	$200	$200	$1,000 / 3mo	$0	View Offer
25	BMO Cash Back MastercardRecord BMO · personal	$200	$200	$2,000 / 3mo	$0	View Offer
26	USAA Cashback Rewards Plus American ExpressRecord USAA · personal	$200	$200	$1,000 / 3mo	$0	View Offer
27	Capital One Savor Student Cash RewardsRecord Capital One · personal	$100	$100	$300 / 3mo	$0	View Offer
28	Capital One Quicksilver Student Cash RewardsRecord Capital One · personal	$100	$100	$300 / 3mo	$0	View Offer
29	Home Depot Consumer Credit CardRecord Citi · personal	10,000	$100	$1,000 / 0mo	$0	View Offer
30	Nordstrom Visa SignatureRecord TD Bank · personal	6,000	$60	$0 / 0mo	$0	View Offer
31	Bass Pro Shops CLUB MastercardRecord Capital One · personal	6,000	$60	$0 / 1mo	$0	View Offer
32	Target Circle Card (Mastercard)Record TD Bank · personal	5,000	$50	$50 / 2mo	$0	View Offer
33	Wayfair MastercardRecord Citi · personal	5,000	$50	$100 / 0mo	$0	View Offer
34	myWalgreens MastercardRecord Synchrony Bank · personal	$50	$50	$0 / 0mo	$0	View Offer
35	TD Double Up Credit CardRecord TD Bank · personal	$2	$2	$1,500 / 3mo	$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
Instacart Mastercard Chase	$50	$300	−83%
Amazon Store Card Synchrony Bank	1,000	6,000	−83%
US Bank Altitude Connect U.S. Bank	20,000	50,000	−60%
Wyndham Rewards Earner Plus Card Barclays	45,000	100,000	−55%
Capital One Venture X Business Capital One	150,000	300,000	−50%
Southwest Rapid Rewards Premier Business Credit Card Chase	60,000	120,000	−50%
Amtrak Guest Rewards Preferred Mastercard First National Bank of Omaha	20,000	40,000	−50%
Marriott Bonvoy Brilliant American Express Card American Express	95,000	185,000	−49%
Southwest Rapid Rewards Priority Credit Card Chase	50,000	85,000	−41%
Southwest Rapid Rewards Plus Credit Card Chase	50,000	85,000	−41%
Southwest Rapid Rewards Premier Chase	50,000	85,000	−41%
One Key Card Wells Fargo	$250	$400	−38%
Qatar Airways Privilege Club Visa Signature Card Cardless	40,000	65,000	−38%
Chase Freedom Unlimited Chase	20,000	30,000	−33%
American Express Green Card American Express	40,000	60,000	−33%
Wells Fargo Autograph Wells Fargo	20,000	30,000	−33%
United Gateway Card Chase	20,000	30,000	−33%
Citi Strata Card Citi	20,000	30,000	−33%
Emirates Skywards Rewards World Elite Mastercard Barclays	40,000	60,000	−33%
Carnival World Mastercard Barclays	20,000	30,000	−33%
Choice Privileges Mastercard Wells Fargo	40,000	60,000	−33%
Choice Privileges Select Mastercard Wells Fargo	60,000	90,000	−33%
Capital One Venture Business Capital One	100,000	150,000	−33%
Caesars Rewards Visa Signature Bread Financial (Comenity)	10,000	15,000	−33%
Citi AAdvantage Executive World Elite Mastercard Citi	70,000	100,000	−30%
IHG One Rewards Premier Business Credit Card Chase	140,000	200,000	−30%
Hilton Honors American Express Business American Express	130,000	175,000	−26%
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%
JetBlue Plus Card Barclays	60,000	80,000	−25%
Chase Sapphire Reserve for Business Chase	150,000	200,000	−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%
JetBlue Business Card Barclays	60,000	80,000	−25%
Affinity FCU Cash Rewards Visa Signature Affinity Federal Credit Union	$1.5	$2	−25%
Marriott Bonvoy Bevy American Express Card American Express	135,000	175,000	−23%
IHG One Rewards Premier Credit Card Chase	140,000	175,000	−20%
Blue Cash Everyday Card American Express	$200	$250	−20%
Hilton Honors American Express Card American Express	80,000	100,000	−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%
World of Hyatt Business Credit Card Chase	60,000	75,000	−20%
Chase Ink Business Unlimited Chase	75,000	90,000	−17%
Chase Ink Business Cash Chase	75,000	90,000	−17%
Blue Cash Preferred American Express	$250	$300	−17%
Hilton Honors American Express Aspire Card American Express	150,000	180,000	−17%
Atmos Rewards Ascent Visa Signature Card Bank of America	50,000	60,000	−17%
Amazon Visa Chase	$50	$60	−17%
Wyndham Rewards Earner Business Card Barclays	75,000	90,000	−17%
Hilton Honors American Express Surpass Card American Express	130,000	155,000	−16%
CitiBusiness / AAdvantage Platinum Select Citi	65,000	75,000	−13%
Navy Federal Visa Signature Flagship Rewards Navy Federal Credit Union	35,000	40,000	−13%

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.