BonusCeilingBest credit card sign-up bonuses right now (October 2026)
Every card we track with a fixed sign-up bonus, ranked by how close today's offer is to that card's own all-time high (record offers first, unknown histories last). As of 2026-10-17, 47 cards qualify, led by American Express Business Gold Card, American Express Gold Card, Bank of America Premium Rewards. 11 of them are at their all-time high. Amex offers are listed as 'as high as' and may vary by applicant.
By Tyler Kelly · Updated
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| American ExpressAmerican Express Business Gold Card | As high as 200,000 points after $15,000 spend in 3 months (offer varies) | As high as 200,000 points (current; also 200,000 via referral links from Jul 2024) per Amex's offer terms and Doctor of Credit | $375 | Business AT RECORD |
| American ExpressAmerican Express Gold Card | As high as 100,000 points after $8,000 spend in 6 months (offer varies) | 100,000 points (current 'as high as'; also 100,000 + up to $100 back on restaurants via a YMMV link, Jul 2024-Jan 2025) per Doctor of Credit | $325 | AT RECORD |
| Bank of AmericaBank of America Premium Rewards | 60,000 points ($600 value) after $4,000 spend in 90 days | 60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit | $95 | AT RECORD |
| ChaseChase Aeroplan Card | Up to 115,000 points: 75,000 after $4,000 spend in 3 months, plus 40,000 after $20,000 spend in 12 months | Up to 115,000 points (current; Chase's page calls it 'our best offer ever') | $195 | AT RECORD |
| ChaseChase Freedom Flex | $250 after $500 spend in 3 months | $250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy | $0 | AT RECORD |
| ChaseChase Sapphire Reserve for Business | 200,000 points after $30,000 spend in 6 months | 200,000 points (at launch from Jun 2025, and again since Jun 16, 2026; Chase's page calls it 'our best offer returns') | $795 | Business AT RECORD |
| CitiCiti / AAdvantage Platinum Select | 80,000 miles after $3,500 spend in 4 months | 80,000 miles (Sep 2025-Aug 2026; again Oct 2026); no higher offer appears in Doctor of Credit's log | $0 first year, then $99 | AT RECORD |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | $200 (Aug 2022-Jan 2023; again from Nov 2023); no higher public offer appears in Doctor of Credit's log | $0 | AT RECORD |
| American ExpressThe Business Platinum Card from American Express | As high as 300,000 points after $20,000 spend in 3 months (offer varies) | As high as 300,000 points (current; 250,000-300,000 via YMMV links since Sep 2025) per Amex's offer terms and Doctor of Credit | $895 | Business AT RECORD |
| American ExpressThe Platinum Card from American Express | As high as 175,000 points after $12,000 spend in 6 months (offer varies) | As high as 175,000 points (since Jun 2025) | $895 | AT RECORD |
| Wells FargoWells Fargo Autograph Journey | 60,000 points after $4,000 spend in 3 months | 60,000 points (at launch and now); a 100,000 offer (Sep 2025) was in-branch for Premier clients only, per Doctor of Credit | $95 | AT RECORD |
| ChaseIHG One Rewards Premier | 180,000 points after $3,000 spend in 3 months + 10,000 for adding an authorized user | Up to 185,000 points (150,000 after $3,000 in 3 months + 35,000 after $6,000 total in 6 months; Apr-Aug 2026, when the fee was $99) per Doctor of Credit | $150 | 97% of record |
| American ExpressDelta SkyMiles Platinum American Express Card | As high as 90,000 miles + $300 statement credit after $4,000 spend in 6 months (offer varies; credit part ends Nov 4, 2026) | 100,000 miles (80,000 after $4,000 + 20,000 after $2,000 more in 6 months; Jan-Apr and Jun-Jul 2026) per Doctor of Credit; today's offer adds a $300 credit | $350 | 90% of record |
| American ExpressDelta SkyMiles Gold American Express Card | As high as 80,000 miles + $250 statement credit after $3,000 spend in 6 months (offer varies; credit part ends Nov 4, 2026) | 90,000 miles (Mar 2021; Jul-Aug 2021 with a $200 credit; Jan-Apr and Jun-Jul 2026 as 70,000 + 20,000 after $5,000 total) per Doctor of Credit; today's offer adds a $250 credit | $0 first year, then $150 | 89% of record |
| ChaseUnited Explorer Card | 70,000 miles after $3,000 spend in 3 months + 10,000 for adding an authorized user | 80,000 miles after $3,000 in 3 months (spring 2025; up to 90,000 with an authorized user and a United agent code) per AwardWallet and Doctor of Credit | $0 first year, then $150 | 88% of record |
| ChaseChase Ink Business Preferred | 100,000 points after $8,000 spend in 3 months | 120,000 points after $8,000 (Jul-Sep 2024); a 160,000 offer (May-Nov 2021) was in-branch only | $95 | Business 83% of record |
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | $250 (Feb 2021-Feb 2022) per Doctor of Credit | $0 | 80% of record |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | $250 after $500 in 3 months (Jun 2026) per Doctor of Credit, the highest we found for the current no-annual-fee Savor (the discontinued $95-fee Savor offered $300-$500) | $0 | 80% of record |
| ChaseUnited Quest Card | 80,000 miles after $4,000 spend in 3 months, plus 500 PQP after first purchase + 10,000 for adding an authorized user | 100,000 miles after $4,000 in 3 months, plus 10,000 for an authorized user (Jun-Aug 2025) per Doctor of Credit; also 100,000 at the 2021 launch | $350 | 80% of record |
| American ExpressBlue Cash Preferred Card from American Express | $300 cash back after $3,000 spend in 6 months | $400 after $3,000 in 6 months (Jun 2022-Mar 2023) per Doctor of Credit | $0 first year, then $95 | 75% of record |
| Capital OneCapital One Venture | 75,000 miles after $4,000 spend in 3 months + $300 Capital One Travel stays credit | 100,000 miles (2021 after $20,000 in 12 months; 2023 after $5,000 in 3 months; a 100k-or-75k+$250 choice Mar-May 2025) per Doctor of Credit; today's offer adds a $300 travel credit | $95 | 75% of record |
| Capital OneCapital One Venture X | 75,000 miles after $4,000 spend in 3 months | 100,000 miles: + $200 vacation rental credit at launch (Nov 2021-Mar 2022), and after $10,000 in 6 months (Nov 2025-Jan 2026) per Doctor of Credit | $395 | 75% of record |
| ChaseChase Ink Business Cash | $750 (75,000 points) after $6,000 spend in 3 months | 100,000 points after $8,000 in 4 months (Jun 15-Sep 17, 2026) per Doctor of Credit | $0 | Business 75% of record |
| ChaseChase Ink Business Unlimited | $750 (75,000 points) after $6,000 spend in 3 months | 100,000 points after $8,000 in 4 months (Jun 15-Sep 17, 2026) per Doctor of Credit | $0 | Business 75% of record |
| ChaseChase Sapphire Preferred | 75,000 points after $5,000 spend in 3 months | 100,000 points (Jun-Nov 2021; Apr-May 2025; Jun-Aug 2026) | $95 | 75% of record |
| CitiCiti Strata Elite | 75,000 points after $6,000 spend in 3 months | 100,000 points after $6,000 in 3 months (Nov 2025-Feb 2026; Feb-Apr 2026) per Doctor of Credit | $595 | 75% of record |
| CitiCiti Strata Premier | 60,000 points after $4,000 spend in 3 months | 80,000 points after $4,000 in 3 months (Jul 2021-Jan 2022; Jun 2022-Jan 2023) per AwardWallet and BonusEagle; TPG lists 75,000 as the highest it has seen | $95 | 75% of record |
| American ExpressHilton Honors American Express Card | 70,000 points + Free Night Reward after $2,000 spend in 6 months | 100,000 points + $100 statement credit (Feb-Mar 2021; Jun-Oct 2022) per Doctor of Credit | $0 | 70% of record |
| American ExpressBlue Business Cash Card from American Express | As high as $500 statement credit after $5,000 spend in 3 months (offer varies) | $750 via a YMMV/targeted link (Jul 2022 after $15,000; Apr 2025 and Apr 2026 after $6,000) per Doctor of Credit | $0 | Business 67% of record |
| American ExpressBlue Business Plus Card from American Express | As high as 50,000 points after $5,000 spend in 3 months (offer varies) | 75,000 points after $15,000 via a YMMV/targeted link (Jul 2022; Jan 2025; Dec 2025) per Doctor of Credit | $0 | Business 67% of record |
| Capital OneCapital One Spark Cash Plus | $2,000 after $30,000 spend in 3 months | $3,000 ($500 after $5,000 in 3 months + $2,500 after $50,000 in 6 months; Jan-Mar 2022) per Doctor of Credit; $2,000 + $500 travel credit after $30,000 (Jul-Sep 2026) | $150 | Business 67% of record |
| ChaseChase Freedom Unlimited | $200 after $500 spend in 3 months | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories | $0 | 67% of record |
| ChaseChase Sapphire Reserve | 100,000 points after $6,000 spend in 3 months | 150,000 points after $6,000 in 3 months (Apr-Jun 15, 2026) per Doctor of Credit; a 175,000 offer in Sep 2026 was targeted in the Chase app only | $795 | 67% of record |
| Wells FargoWells Fargo Autograph | 20,000 points after $1,000 spend in 3 months | 30,000 points ($300) (Aug 2022-Jul 2023; again from Nov 2023) per Doctor of Credit | $0 | 67% of record |
| American ExpressHilton Honors American Express Surpass | 130,000 points + Free Night Reward after $3,000 spend in 6 months | 200,000 points (150,000 after $2,000 in 3 months + 50,000 after $10,000 total in 6 months) via a YMMV link, Sep 2021, per Doctor of Credit; The Points Guy lists 180,000 as the top public version | $150 | 65% of record |
| American ExpressBlue Cash Everyday Card from American Express | $150 cash back after $2,000 spend in 6 months | $250 after $2,000 in 6 months (Jul 2022; a $250 link is also listed by Doctor of Credit in Oct 2026) | $0 | 60% of record |
| ChaseSouthwest Rapid Rewards Priority | 60,000 points after $2,000 spend in 3 months | 100,000 points after $4,000 in 5 months (Jul-Sep 2025) per Southwest and Upgraded Points | $229 | 60% of record |
| Bank of AmericaAtmos Rewards Ascent Visa (Alaska Airlines) | 50,000 points + $99 Companion Fare after $1,500 spend in 90 days | 85,000 points + $99 Companion Fare after $4,000-$4,500 in 120 days (Sep 2025 launch; back Feb and Mar 2026; listed until Aug 2026) per Doctor of Credit | $95 | 59% of record |
| ChaseSouthwest Rapid Rewards Plus | 50,000 points after $1,000 spend in 3 months | 100,000 points after $4,000 in 5 months (Jul-Sep 2025) per Southwest and Upgraded Points | $99 | 50% of record |
| Wells FargoWells Fargo Active Cash | $100 after $500 spend in 3 months | $200 cash rewards bonus (from the 2021 launch; Doctor of Credit still lists a $200 offer after $1,500 in 6 months in Oct 2026) | $0 | 50% of record |
| American ExpressMarriott Bonvoy Bevy American Express Card | 85,000 points after $5,000 spend in 6 months | 175,000 points after $5,000 in 6 months (Mar 12-May 13, 2026) per Doctor of Credit | $250 | 49% of record |
| Capital OneCapital One Venture X Business | 150,000 miles after $30,000 spend in 3 months | 400,000 miles (200,000 after $30,000 in 3 months + 200,000 after $150,000 total in 6 months; Nov 2025-Jan 2026) per Doctor of Credit | $395 | Business 38% of record |
| U.S. BankU.S. Bank Altitude Connect | 20,000 points after $1,000 spend in 90 days | Up to 60,000 points (Jan 2022, when the card had a $95 fee waived the first year) per Doctor of Credit; 30,000 ($300) Aug 2025-Jul 2026 | $0 | 33% of record |
| Bank of AmericaBank of America Customized Cash Rewards | $200 after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Travel Rewards | 25,000 points ($250 value) after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| BiltBilt Palladium Card | 50,000 points + Gold status + $300 Bilt Cash after $4,000 spend (not rent/mortgage) in 90 days | Unknown (not verified) | $495 | History unknown |
| ChaseWorld of Hyatt Credit Card | Up to 60,000 points: 30,000 after $3,000 spend in 3 months, plus up to 30,000 more (2X on up to $15,000 in 6 months) | Not directly comparable: the current up to 60,000 points is the highest points offer we found; Chase has also offered 5 free night certificates (Category 1-4) (Oct-Nov 2024; Jan-Mar 2026) per Doctor of Credit | $95 | Not comparable |
Frequently asked questions
What is the best credit card sign-up bonus right now?
Measured against each card's own record, 11 cards are at their all-time high as of October 17, 2026: American Express Business Gold Card (As high as 200,000 points after $15,000 spend in 3 months (offer varies)); American Express Gold Card (As high as 100,000 points after $8,000 spend in 6 months (offer varies)); Bank of America Premium Rewards (60,000 points ($600 value) after $4,000 spend in 90 days); Chase Aeroplan Card (Up to 115,000 points: 75,000 after $4,000 spend in 3 months, plus 40,000 after $20,000 spend in 12 months); Chase Freedom Flex ($250 after $500 spend in 3 months); Chase Sapphire Reserve for Business (200,000 points after $30,000 spend in 6 months); and 5 more. The best one for you depends on which rewards you'll use and whether your normal spending covers the minimum spend.
Which bonuses are close to their record?
Within 15% of their all-time high: IHG One Rewards Premier (97% of record); Delta SkyMiles Platinum American Express Card (90% of record); Delta SkyMiles Gold American Express Card (89% of record); United Explorer Card (88% of record).
How is this list ranked?
By today's public offer as a share of the highest public offer we've tracked for the same card, using cited offer histories. Cards whose history we couldn't verify are listed last; we don't guess.
See also: issuer rules · eligibility checker · all bonuses
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