Credit Compound

Best Sign-Up Bonuses

Every public welcome offer we track, ranked by what the bonus is actually worth at our point valuations, not the marketing number. This table re-ranks itself the moment any offer changes.

ATHmeans the current offer matches or beats everything in that card's tracked history. Apply-now territory.

Recent Changes

Updated 2026-07

Every bonus move we've logged across the full card database, newest first.

#CardBonusOur ValueMin SpendAnnual Fee
1
American Express · personal
175,000$3,500$8,000 / 6mo$895View Offer
2
Chase · personal · Best-ever offer, ending soon
150,000$3,075$6,000 / 3mo$795View Offer
3
American Express · personal · Elevated offer ends July 8, 2026
150,000$3,000$12,000 / 6mo$895View Offer
4
American Express · personal · Elevated offer ends July 8, 2026
150,000$3,000$12,000 / 6mo$895View Offer
5
American Express · personal
100,000$2,000$6,000 / 6mo$325View Offer
6
Chase · personal
75,000$1,538$5,000 / 3mo$95View Offer
7
Citi · personal
80,000$1,440$4,000 / 3mo$595View Offer
8
American Express · personal · June 2026 elevated offer
125,000$1,438$6,000 / 6mo$650View Offer
9
Capital One · personal
75,000$1,350$4,000 / 3mo$395View Offer
10
Capital One · personal
75,000$1,350$4,000 / 3mo$95View Offer
11
Chase · personal · 45k after $5k in 3 months, plus up to 30k via 2x on normally 1x purchases, capped at $15k in the first 6 months
75,000$1,275$5,000 / 3mo$95View Offer
12
American Express · personal · June 2026 elevated offer
100,000$1,150$4,000 / 6mo$350View Offer
13
Chase · personal
90,000$1,080$4,000 / 3mo$350View Offer
14
Chase · personal
90,000$1,080$5,000 / 3mo$695View Offer
15
Citi · personal
60,000$1,080$4,000 / 3mo$95View Offer
16
American Express · personal · Tiered: 85k after $5k plus 50k after an additional $2k
135,000$1,080$7,000 / 6mo$250View Offer
17
Citi · personal
75,000$1,050$3,500 / 4mo$99View Offer
18
Chase · personal
75,000$1,050$5,000 / 3mo$95View Offer
19
Chase · personal
75,000$1,050$5,000 / 3mo$95View Offer
20
Chase · personal
75,000$1,050$5,000 / 3mo$95View Offer
21
American Express · personal · New all-time high
90,000$1,035$2,000 / 6mo$150View Offer
22
Chase · personal · + 1 Free Night award
125,000$1,000$5,000 / 3mo$95View Offer
23
Chase · personal · + 1 Free Night award worth up to 50k points
125,000$1,000$3,000 / 3mo$250View Offer
24
Bilt Rewards · personal · Plus $300 Bilt Cash on approval and Bilt Gold status; housing spend excluded from the requirement
50,000$1,000$4,000 / 3mo$495View Offer
25
Chase · personal
70,000$980$3,000 / 3mo$95View Offer
26
Citi · personal
70,000$980$7,000 / 3mo$595View Offer
27
Bank of America · personal · Plus 100 XP toward Flying Blue elite status
70,000$910$3,000 / 3mo$89View Offer
28
Wells Fargo · personal
60,000$900$4,000 / 3mo$95View Offer
29
Chase · personal
140,000$840$3,000 / 3mo$99View Offer
30
Barclays · personal · Tiered: 50,000 after $3,000 plus the annual fee in 90 days, 20,000 more after $12,000 in the first year
70,000$840$3,000 / 3mo$89View Offer
31
Synchrony Bank · personal
60,000$840$4,000 / 3mo$99View Offer
32
American Express · personal
40,000$800$3,000 / 6mo$150View Offer
33
Barclays · personal
60,000$780$1,000 / 3mo$99View Offer
34
American Express · personal
95,000$760$6,000 / 6mo$650View Offer
35
American Express · personal
150,000$750$6,000 / 6mo$550View Offer
36
Chase · personal · 90k after $2k in 3 months, plus 35k more after $4k total in 6 months
125,000$750$4,000 / 6mo$0View Offer
37
Bank of America · personal · 75,000 points, worth $750
75,000$750$5,000 / 3mo$550View Offer
38
Bank of America · personal · Plus buy one ticket, get one for just taxes and fees
50,000$725$2,000 / 3mo$95View Offer
39
Chase · personal
60,000$720$3,000 / 3mo$150View Offer
40
Chase · personal
50,000$675$1,000 / 3mo$149View Offer
41
Chase · personal
50,000$675$1,000 / 3mo$69View Offer
42
Chase · personal
50,000$675$1,000 / 3mo$99View Offer
43
American Express · personal
130,000$650$3,000 / 6mo$150View Offer
44
Bank of America · personal
60,000$600$4,000 / 3mo$95View Offer
45
Barclays · personal · Tiered: 40,000 after $500 plus the annual fee in 90 days, 20,000 more after $2,000 total in 180 days
60,000$600$500 / 3mo$99View Offer
46
Barclays · personal · Tiered: 30,000 after $1,000 in 90 days, 30,000 more after $500 at Wyndham hotels in 180 days
60,000$600$1,000 / 3mo$0View Offer
47
U.S. Bank · personal · 40,000 SKYPASS miles
40,000$560$4,000 / 3mo$99View Offer
48
Wells Fargo · personal
60,000$540$3,000 / 3mo$95View Offer
49
Cardless · personal
40,000$540$3,000 / 3mo$99View Offer
50
Cardless · personal · 20,000 Avios after first purchase plus 20,000 after $3,000 in 90 days
40,000$520$3,000 / 3mo$99View Offer
51
Imprint · personal · 40,000 bonus miles after $3,000 in the first 90 days
40,000$520$3,000 / 3mo$99View Offer
52
First National Bank of Omaha · personal · Standard offer; periodically elevated to 40,000
20,000$500$1,000 / 3mo$99View Offer
53
Barclays · personal · Worth $500 toward Breeze flights
50,000$500$2,000 / 3mo$89View Offer
54
Chase · personal
60,000$480$1,000 / 3mo$0View Offer
55
Barclays · personal · Plus Skywards Silver tier for your first year
40,000$480$3,000 / 3mo$99View Offer
56
Barclays · personal · Watch for tiered offers up to 100k with added spend
45,000$450$1,000 / 3mo$75View Offer
57
Bank of America · personal · Royal ONE launch offer
45,000$450$2,000 / 3mo$0View Offer
58
Cardless · personal
40,000$440$2,500 / 3mo$79View Offer
59
PenFed Credit Union · personal
50,000$425$3,000 / 3mo$95View Offer
60
American Express · personal
80,000$400$2,000 / 6mo$0View Offer
61
Cardless · personal
40,000$400$2,500 / 3mo$99View Offer
62
Citi · personal
20,000$360$1,000 / 3mo$0View Offer
63
Capital One · personal
20,000$360$500 / 3mo$0View Offer
64
Wells Fargo · personal
40,000$360$1,000 / 3mo$0View Offer
65
Navy Federal Credit Union · personal · 35,000 points plus a free year of Amazon Prime, offer runs through 6/30/2026
35,000$350$3,500 / 3mo$49View Offer
66
American Express · personal · Last public offer. Closed to new applicants 9/25/24
15,000$300$2,000 / 6mo$95View Offer
67
Chase · personal · $200 Disney gift card upon approval plus $100 statement credit
30,000$300$500 / 3mo$49View Offer
68
Bank of America · personal · Worth $300 off a future Allegiant trip
30,000$300$1,500 / 3mo$59View Offer
69
Navy Federal Credit Union · personal · 30,000 points, elevated offer runs through 6/30/2026
30,000$300$3,000 / 3mo$0View Offer
70
First National Bank of Omaha · personal
12,000$300$1,000 / 3mo$0View Offer
71
First National Bank of Omaha · personal · Limited-time elevated offer; standard is 10,000
30,000$300$1,000 / 3mo$0View Offer
72
USAA · personal · Spend within 90 days of opening
30,000$300$3,000 / 3mo$95View Offer
73
Barclays · personal · 30,000 points, about $300 toward a GM vehicle
30,000$300$1,000 / 3mo$0View Offer
74
American Express · personal · $250 statement credit
$250$250$3,000 / 6mo$95View Offer
75
Capital One · personal · $250 cash bonus
$250$250$500 / 3mo$0View Offer
76
U.S. Bank · personal · $250 cash back
$250$250$2,000 / 4mo$0View Offer
77
Bank of America · personal · Worth $250 toward travel
25,000$250$1,000 / 3mo$0View Offer
78
Wells Fargo · personal · $250 OneKeyCash
$250$250$1,000 / 3mo$0View Offer
79
U.S. Bank · personal · $250 cash bonus
$250$250$2,000 / 4mo$95View Offer
80
Navy Federal Credit Union · personal · $250 cash back, offer runs through 6/30/2026
$250$250$2,500 / 3mo$0View Offer
81
USAA · personal · $250 cash back
$250$250$1,000 / 3mo$0View Offer
82
Synchrony Bank · personal · Worth about $250 toward Sun Country travel
25,000$250$1,000 / 3mo$89View Offer
83
Barclays · personal · $200 statement credit after first purchase plus 5,000 points after $500 in 90 days
25,000$250$500 / 3mo$0View Offer
84
Chase · personal
20,000$240$1,000 / 3mo$0View Offer
85
Citi · personal
15,000$210$500 / 3mo$0View Offer
86
First National Bank of Omaha · personal · 5,000 miles after first purchase plus 10,000 after $7,000; campaign offer
15,000$210$7,000 / 3mo$85View Offer
87
Chase · personal · $200 cash back
20,000$200$500 / 3mo$0View Offer
88
Chase · personal · $200 cash back
20,000$200$500 / 3mo$0View Offer
89
Chase · personal · $200 Amazon gift card instantly upon approval
$200$200$0 / 0mo$0View Offer
90
American Express · personal · $200 statement credit
$200$200$2,000 / 6mo$0View Offer
91
Citi · personal · $200 cash back
20,000$200$1,500 / 6mo$0View Offer
92
Citi · personal · $200 cash back
20,000$200$1,500 / 6mo$0View Offer
93
Wells Fargo · personal · $200 cash rewards
$200$200$500 / 3mo$0View Offer
94
Wells Fargo · personal
20,000$200$1,000 / 3mo$0View Offer
95
U.S. Bank · personal · $200 cash back
$200$200$1,000 / 3mo$0View Offer
96
U.S. Bank · personal · $200 value toward purchases
20,000$200$1,000 / 3mo$0View Offer
97
Capital One · personal · $200 cash bonus
$200$200$500 / 3mo$0View Offer
98
Bank of America · personal · $200 online cash rewards bonus
$200$200$1,000 / 3mo$0View Offer
99
Bank of America · personal · $200 online cash rewards bonus
$200$200$1,000 / 3mo$0View Offer
100
U.S. Bank · personal · Worth $200
20,000$200$1,000 / 3mo$0View Offer
101
American Express · personal · Last public offer, $200. Closed to new applicants 9/25/24
$200$200$2,000 / 6mo$0View Offer
102
American Express · personal · Last public offer. Closed to new applicants 9/25/24
10,000$200$2,000 / 6mo$0View Offer
103
Barclays · personal · Worth $200 toward Carnival purchases
20,000$200$1,000 / 3mo$0View Offer
104
Bank of America · personal · Worth $200 off a Norwegian cruise or as onboard credit
20,000$200$1,000 / 3mo$0View Offer
105
Barclays · personal · Worth $200 toward Princess travel; offer periodically drops to 10,000
20,000$200$1,000 / 3mo$0View Offer
106
Barclays · personal · Worth $200 in onboard credit; Barclays page periodically shows 10,000 after $500
20,000$200$1,000 / 3mo$0View Offer
107
Bilt Rewards · personal · $200 Bilt Cash on approval, no spend requirement
10,000$200$0 / 0mo$95View Offer
108
PNC Bank · personal · $200 statement credit
$200$200$1,000 / 3mo$0View Offer
109
BMO · personal · $200 cash back, promo runs through June 30, 2026
$200$200$2,000 / 3mo$0View Offer
110
State Department Federal Credit Union · personal · $200 bonus, spend within 90 days
$200$200$3,000 / 3mo$0View Offer
111
USAA · personal · $200 bonus added March 2026
$200$200$1,000 / 3mo$0View Offer
112
First National Bank of Omaha · personal · $200 cash bonus after $1,000 in the first 3 billing cycles
$200$200$1,000 / 3mo$0View Offer
113
First Tech Federal Credit Union · personal · 20,000 points after $3,000 in 60 days
20,000$200$3,000 / 2mo$0View Offer
114
Fidelity · personal · $150 bonus, periodically offered; sometimes none
$150$150$1,000 / 3mo$0View Offer
115
Chase · personal · $100 Disney gift card upon approval plus $50 statement credit
15,000$150$500 / 3mo$0View Offer
116
Synchrony Bank · personal · $50 statement credit after first purchase plus $100 after $1,500 in 90 days
15,000$150$1,500 / 3mo$0View Offer
117
Elan Financial Services · personal · $150 bonus after $500 in eligible net purchases within 90 days
$150$150$500 / 3mo$0View Offer
118
Imprint · personal · $150 in Travel Credits after $1,500 in the first 90 days, plus $100 more if you spend $15,000 in year one
15,000$150$1,500 / 3mo$0View Offer
119
Barclays · personal
10,000$130$1,000 / 3mo$0View Offer
120
First National Bank of Omaha · personal · Campaign for applications April 23 through September 30, 2026; plus 5,000 miles on your first JAL international flight
10,000$130$7,000 / 3mo$35View Offer
121
PenFed Credit Union · personal · Spend within 90 days of opening
15,000$128$1,500 / 3mo$0View Offer
122
American Express · personal
10,000$115$1,000 / 6mo$0View Offer
123
Chase · personal · $100 cash back, plus a free year of DashPass
$100$100$500 / 3mo$0View Offer
124
Capital One · personal · Limited-time $100 cash bonus, doubled from the usual $50
$100$100$300 / 3mo$0View Offer
125
Capital One · personal · Limited-time $100 cash bonus, doubled from the usual $50
$100$100$300 / 3mo$0View Offer
126
Capital One · personal · $100 REI gift card after your first purchase outside REI within 60 days
10,000$100$0 / 2mo$0View Offer
127
Wells Fargo · personal · $100 cash rewards
$100$100$500 / 3mo$0View Offer
128
PenFed Credit Union · personal · $100 statement credit
$100$100$1,500 / 3mo$0View Offer
129
Bilt Rewards · personal · $100 Bilt Cash on approval, no spend requirement
5,000$100$0 / 0mo$0View Offer
130
Citi · personal · 20% off Macy's purchases on the day of approval and the day after, up to $100 in savings
10,000$100$0 / 0mo$0View Offer
131
Bread Financial (Comenity) · personal · $100 statement credit after $1,000 in 90 days
$100$100$1,000 / 3mo$0View Offer
132
Bread Financial (Comenity) · personal · 10,000 Reward Credits plus 2,500 Tier Credits after $1,000 spent outside Caesars destinations in 90 days
10,000$100$1,000 / 3mo$0View Offer
133
Citi · personal · $25 off $25-$299, $50 off $300-$999, $100 off $1,000 or more on a first purchase, through July 29, 2026
10,000$100$1,000 / 0mo$0View Offer
134
Barclays · personal · $100 cash back bonus after $500 in purchases in the first 90 days
$100$100$500 / 3mo$0View Offer
135
Barclays · personal · $100 cash back bonus after $500 in purchases in the first 90 days
$100$100$500 / 3mo$0View Offer
136
U.S. Bank · personal · $100 cash back after $500 in net purchases within 90 days; verify availability, the application page went dark in May 2026
$100$100$500 / 3mo$0View Offer
137
Synchrony Bank · personal · 20% off your first purchase, up to $100 maximum discount
10,000$100$0 / 0mo$0View Offer
138
TD Bank · personal · $60 Nordstrom Note after approval, issued as store credit
6,000$60$0 / 0mo$0View Offer
139
Capital One · personal · Up to $60 in CLUB Points: $20 at approval, $20 after 2 Bass Pro or Cabela's purchases, $20 after 5 purchases anywhere else, all within 30 days
6,000$60$0 / 1mo$0View Offer
140
Chase · personal · $50 Amazon gift card instantly upon approval
$50$50$0 / 0mo$0View Offer
141
Chase · personal · $50 Instacart credit upon approval, plus a free year of Instacart+
$50$50$0 / 0mo$0View Offer
142
TD Bank · personal · $50 off a future Target purchase over $50 within 60 days of approval
5,000$50$50 / 2mo$0View Offer
143
Citi · personal · $50 off your first Wayfair order of $100 or more on approval
5,000$50$100 / 0mo$0View Offer
144
Synchrony Bank · personal · $50 in Walgreens Cash rewards after first purchase within 45 days
$50$50$0 / 0mo$0View Offer
145
Imprint · personal · $50 welcome bonus after $1,000 spent outside the brand family in the first 90 days
5,000$50$1,000 / 3mo$0View Offer
146
Imprint · personal · 20% off your first online Brooks Brothers purchase within 30 days, plus a $50 reward after a first purchase outside Brooks Brothers within 60 days
5,000$50$0 / 2mo$0View Offer
147
Synchrony Bank · personal · $35 back after $75 spend in the first 30 days
$35$35$75 / 1mo$0View Offer
148
Synchrony Bank · personal · $30 statement credit after $30 at Sam's Club in 30 days
$30$30$30 / 1mo$0View Offer
149
Chase · personal · $25 statement credit for enrolling in automatic payments
2,500$25$0 / 0mo$0View Offer
150
Bread Financial (Comenity) · personal · $25 off first purchase, plus a $25 IKEA Reward Certificate after $500 spent outside IKEA in 90 days
2,500$25$500 / 3mo$0View Offer
151
Bread Financial (Comenity) · personal · 500 Ultamate points after $500 spent outside Ulta in 90 days, plus 20% off your first purchase
500$15$500 / 3mo$0View Offer
152
Synchrony Bank · personal · Amazon gift card instantly upon approval, typically $10 with periodic bumps to $60
1,000$10$0 / 0mo$0View Offer
153
Upgrade · personal · $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions
$2$2$0 / 2mo$0View Offer
154
Affinity Federal Credit Union · personal · $150 after $3,000 in 90 days
$1.5$2$3,000 / 3mo$0View Offer
155
BECU · personal · $200 after $2,000 in 90 days
$2$2$2,000 / 3mo$0View Offer
156
TD Bank · personal · $200 after $1,500 in 90 days
$2$2$1,500 / 3mo$0View Offer

Methodology: bonus size times our cents-per-point valuation for each currency. Cash bonuses valued at face. Spend requirements and fees shown so you can judge the full picture; a bigger bonus behind an $8,000 spend is not automatically the better deal. Every card links to its full review with the complete offer history chart.