Best Current Credit Card Sign Up Bonuses & Offers For February, 2021


A list of the best current credit card sign up bonuses & offers for February, 2021. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).

Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.

A few final thoughts before we get to this list:

  • There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
  • I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
  • I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly on the individual review pages.
  • If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.

Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.

Personal Cards

These cards are listed in order from absolute best to best (e.g the better cards are at the top).

American Express Platinum 100,000 Points + 10x On Gas & Grocery

Read our full review

There is also the same deal but for 125,000 points that some people are eligible for. Obviously an incredible offer.

Chase Southwest Personal 80,000 Points

Read our full review

All three personal cards are currently offering this bonus, business performance is at 100,000 points as well. You need 125,000 points for the companion pass.

Wells Fargo Propel World 40,000 Point Bonus

Read our full review

This is really so high because you need to call in/go to a branch to get this offer and we suspect it will be removed completely at some stage. That being said we’ve thought that for a long time now, so it’s entirely possible that won’t be the case. Points are worth 1¢ each so this bonus is worth $400 + $100 in reimbursements.

U.S. Bank Altitude Reserve 50,000 Points

Read our full review

Applications were removed for a bit, but they are back now. 50,000 points are worth up to $750 in travel. There is a $400 annual fee but you also get $325 in credits.

Citi Premier – 60,000 Points Or 65,000

Read our full review

$95 annual fee isn’t waived on this one, but it’s still a pretty good offer. Can be transferred to travel partners or used for up to $750 in air travel. You can get an additional 5,000 points by applying in branch.

Bank of America Premium Rewards 50,000 Points + $100 Travel Credit

Link to our review of this card

Card comes with a 50,000 point sign up bonus worth $500 towards statement credit. In addition you get a $100 travel credit each calendar year, downside is that this can only be used on domestic originated flights (not sure how or if this is actually enforced yet) and a $95 annual fee.

Chase United Explorer 70,000 Miles

Read our review

Huge 70,000 mile bonus, but does require spend of $9,000 total to get the full bonus. $95 annual fee is waived first year.

Bank of America Alaska 40,000 Miles + $100 or 65,000 Mile Offer

Read our review (40,000 miles + $100 or 65,000 miles)

Previous best on this bonus has been 40,000 miles or 30,000 miles + $100. Really strong offer if you highly value Alaska miles.

Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA

Read our review

50,000 points after $5,000 in spend. Worth $600 in gift cards or $650 in flights

PenFed Pathfinder Rewards – 50,000 Points + $50

Read our review of the offer

Card also comes with a $100 airline credit, honors members don’t have to pay any annual fee making the card worth keeping long term.

American Express Hilton Surpass, 150,000 Points + $150 Statement Credit

Read our review of this offer

We’ve seen a bonus of 175,000 points in the past, this is slightly worse points wise but comes with the extra $150 statement credit that makes up for it.

American Express Gold 35,000 Points + 20% On Restaurants ($250 Max)

Read our review of this offer

High on this bonus is 50,000 points so it depends if you prefer the extra 15,000 points or the 20% on restaurants.

Bank of America Air France/KLM FlyingBlue 50,000 Miles + $150 Statement Credit

Read our review of this offer

Previously this was 50,000 miles, but now coming with a $150 statement credit as well.

Barclays Silver Emirates 50,000 Miles

Read our review

Gold card is 60,000 miles, but that has a huge $499 annual fee whereas the Silver card only has a $99 annual fee. Unfortunately not waived first year.

American Express Hilton No Annual Fee, 100,000 Points + $100 Statement Credit

Read our review of this offer

Normally we see an offer of 100,000 points or 75,000 points + $100. This is 100,000 points + $100 statement credit.

Barclays Hawaiian 60,000 Miles – Annual Fee Waived First Year

Read our review of this offer

Only requires $2,000 in spend and points have some flexibility as well.

SkyOne Platinum Elite Credit Card – $300 Bonus

Read our review of this offer

$69 annual fee is currently being waived for the first year and starting January 2021 you’ll be able to choose a 3x category to earn in.

American Express Cash Magnet – $300 Bonus

Read our review of this offer

This si the biggest bonus we’ve seen on this card so far.

Star Trek – $300 Cash Bonus – $39 Annual Fee

Read our review of this offer

Requires $2,000 in spend and the annual fee is not waived the first year.

Capital One Savor $300 Cash Bonus – $95 Annual Fee

Link to our review of this offer

Card comes with a $300 cash bonus. $95 annual fee is no longer waived the first year. At launch the offer was $500, so might not be worth getting right now.

Discover it – $50 + Double Cash Back

Get bonus here | Read our review.

The sign up bonus on this card is low ($50 when you use a referral) but the real bonus is that after the first year you get your cash back doubled for that year (not including the $50 referral bonus). This card has 5% rotating categories (up to $1,500 in spend per quarter), this means you’ll get 10% cash back on those categories. This card really only makes sense if you’ll be able to max out those categories at least some of the time.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Nice big bonus, spend of requirement of $5,000 is required. They also offer business cards now as well (see below)

Barclays Choice Privileges 50,000 Points

Read our review

We’ve seen an offer for 64,000 points in the past so might be worth waiting for that bigger bonus to return.

Bank of America Spirit ‘Free Spirit’ – 35,000 Points + $100 Statement Credit

Read our review

Standard bonus is 40,000 points, this is 5,000 points less but also comes with the nice $100 statement credit as well. Spirit recently relaunched their rewards program, so might be worth considering as it has been improved.

FNBO FordPass – $100 + $200 Annually

Read our review

This card has a $100 sign up bonus, you can also get $200 annually when you spend $6,000 or more.

Capital One Quicksilver $250 Bonus

Read our review

Only requires $500 in spend, good option for those that are looking for a simple cash bonus with no annual fee.

Discover it Miles $100

Read our review

Offer only available via a referral. The nice thing about this card is cash back earned is double the first year (unfortunately the sign up bonus doesn’t double), meaning this card earns 3% cash back on all purchases during that first year.

Chase Freedom/Chase Freedom Unlimited $200 Bonuses + 5% On Grocery

Read our review

5/24 does apply to this card, I’d recommend getting the higher value Chase bonuses first. Standard bonus on these cards is $150, so this is only slightly higher than normal. Still might be worth doing for people under 5/24 that have already done other Chase bonuses and looking for something with a low minimum spend requirement. You also get 5% cash back on grocery purchases for the first year, up to $12,000 in spend.

American Express Marriott Bonvoy Brilliant 100,000 Points + Platinum Status

Read our review

100,000 points is the standard increased offer on this card, but this comes with the platinum elite status that might be useful for some readers and also 25,000 bonus points on card anniversary.

VantageWest $400 Bonus + 5% Categories – AZ Only

Read our review

This also requires opening a checking account. Bonus is worth doing because the card earns 5% cash back in rotating categories as well.

U.S. Bank Cash+ $200 Bonus

Read our review

This allows lets you choose two 5% categories as well.

American Express Schwab Investor Card $200 Bonus

Read our review

Normally this is $100, but sometimes we see it increased to $200.

Citi AT&T Access – 15,000 ThankYou Points + $100 Statement Credit

Read our review

$100 statement credit is in addition to the 15k points you normally get. You do need AT&T service to get that $100 statement credit (or ability to spend $250 within three months with AT&T).

Citi Double Cash $100 Bonus – In Branch

Read our review

Normally we don’t see any sign up bonus on the Citi Double Cash, so this is better than normal. In addition you can transfer cash rewards from this card to Citi travel partners if you have a Prestige/Premier from Citi.

Business Card Bonuses

Chase Ink Preferred 100,000 Points

Read our review

The biggest of the Chase Ink bonuses, but does require $15,000 in spend within the first three months.

Chase Ink Cash – $750

Read our review

Standard sign up bonus was only $300, then $500, and now it’s up to $750. Keep in mind this card does not count towards your Chase 5/24 total, but the Chase 5/24 rule does apply.

Chase Ink Unlimited 75,000 Chase Ultimate Rewards Points

Read our review

Standard bonus on this card was always 50,000, and now it’s bumped to 75,000; never been higher far as I’m aware. Similar to the United card above this does not count towards your 5/24 status but the 5/24 rule does still apply to this card. As long as you already have another Chase UR earning card with an annual fee you can transfer these points to Chase’s travel partners.

U.S. Bank Leverage Business Card – $750

Read our review

Requires $7,500 in spend, but still a nice big cash sign up bonus.

American Express Business Gold 70,000 Points + $300 in Credits

Read  our review

The 70,000 points requires $10,000 in spend. And you also get $150 in shipping credits + $150 in advertising media credits.

Barclays Aviator Business 75,000 Mile Offer

Read our review

Requires adding an employee card for 10,000 miles of the offer, but still a fantastic bonus even without that portion.

Bank of America Alaska Airlines 40,000 Miles + $200

Read our review

Previous best deal was 42,000 miles + $100, this is 2,000 less miles but an extra $100.

Chase Southwest Business Performance 100,000 Points

Read our review

Requires a massive $25,000 in spend but the points from that spend and the sign up bonus are enough to get a companion pass.

PNC BusinessOptions $750 Bonus – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Read our review

Nice big bonus, downside is that it requires spending $25,000 or more in the first three billing cycles.

Barclays Hawaiian Business 70,000 Miles

Direct link to offer

Requires adding an employee to get the full bonus, but a great bonus if you value Hawaiian miles highly.

American Express Hilton Business – 150,000 Points + $150 Statement Credit

Read our review

Previous best offer we’ve seen was 125,000 points + $100 in the past, this is more points and a bigger statement credit.

U.S. Bank Business Cash Rewards $500 Bonus

Read our review

Requires $3,000 in spend and there is no annual fee to worry about.

Bank of America Cash Rewards – $500

Read our review

Require $5,000 spend. Previously this was targeted, but there’s now a public signup link. Mainly useful for the signup bonus.

Ridgewood Savings Bank $500 Bonus – NY & CT

Read our review

Requires $5,000 in spend, they also have a personal credit card offering the same bonus.

American Express Blue Business Cash $500 Bonus

Read our review

Deal requires $15,000 in total spending for the full bonus, but the upside is that this card earns 2% cash back on up to $50,000 annually.

American Express Plum Card $500 Bonus

Read our review

Similar to the Blue Business Cash in that it requires $15,000 in spend, but card only earns 1.5% back.

YMMV/Targeted Offers

We’ve decided to create a new section for YMMV or targeted offers. These are all great offers, but they either require being targeted or have some other restriction in place. We haven’t listed offers that are only available in certain states, those will still be listed above

American Express Platinum 100,000 Point Offer

Read our review of this offer | Another way to get this offer

Not everybody is able to get this offer to show, but if you are then it’s a great offer. Just keep in mind it does have a massive $550 annual fee, but for that you get good lounge access, $200 in airline incidentals per calendar year (so you can get it twice and only pay the annual fee once) and $200 in Uber credits per card member year as well. Obviously not for everybody, but if you can maximize those airline incidentals then this is a really great offer. There is also an upgrade offer of 60,000 points without the lifetime language, unfortunately that is targeted.

American Express Business Platinum 100,000 Point Offer

Read our full review

Similar to the above offer but on the business platinum card.

AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee

Read our review

Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.

Various American Express Delta Offers – No Lifetime Language

Read our review

It’s currently possible to get up to 75,000 miles and up to $200 in statement credits on the American Express Delta co-branded cards. These offers don’t have the lifetime language present, meaning you’re eligible for the bonus even if you’ve had that specific card before.

American Express Business Gold 35,000 Point Offer – No Lifetime Language

Read our review

Relatively weak offer, really only worth considering due to the fact that it has no lifetime language.

Not On List

This section explains why some popular cards/offers aren’t listed.

  • None currently 

Recent Changes

I thought it would be useful to list when and why I make changes here.

Final Thoughts

I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?

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