October 4, 2022

Best Credit Card Deals and Bonuses This Week: September 19, 2022

Insider’s experts choose the best products and services to help make smart decisions with your…

Best Credit Card Deals and Bonuses This Week: September 19, 2022

Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

If you’re considering opening a new credit card, now is an excellent time to apply. Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. These include increased offers and even brand-new cards from major card issuers.

A few of these credit cards are offering record-high intro bonuses of 100,000 points or more — but some are only available for a limited time.

This week’s top credit card deals and bonuses

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$200 cash back after spending $1,500 on purchases in the first 6 months of account opening

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

75,000 miles after spending $4,000 on purchases within 3 months from account opening

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.

3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening

Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening

Earn unlimited 2% cash rewards on purchases.

Whether you’re looking to boost your stash of travel points, earn cash back to offset rising prices, or take advantage of an introductory 0% APR to save money on interest, there’s a rewards credit card that’s right for you.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best limited time offer


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases


Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening


Recommended Credit

Good to Excellent


Regular APR

18.24% – 26.24% Variable

Editor’s Rating

4.3/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Best cash back bonus

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.

On American Express’s website


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


Intro offer

$350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Recommended Credit

Good to Excellent


Regular APR

16.24% – 27.24% Variable


Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

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Best flexible point bonus

Capital One Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card


Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening


Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

Capital One Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card


Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening


Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.


Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.


Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

17.49% – 25.49% (Variable)

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Best airline bonus

Chase United Quest℠ Card


Intro offer

70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.

Chase United Quest℠ Card


Intro offer

70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.


Rewards

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.


Intro offer

70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

18.74% – 25.74% Variable

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Best hotel bonus

Chase Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card


Intro offer

3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening


Rewards

Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.

Chase Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card


Intro offer

3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening


Rewards

Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.


Rewards

Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.


Intro offer

3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

18.24% – 25.24% Variable

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Best 0% offer (balance transfers)

Citi Citi® Double Cash Card


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Citi Citi® Double Cash Card


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

16.24% – 26.24% Variable


Intro APR

0% intro APR on balance transfers for 18 months

Editor’s Rating

5/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Best 0% offer (purchases)

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.


Rewards

Earn unlimited 2% cash rewards on purchases.


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

17.24%, 22.24%, or 27.24% Variable


Intro APR

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

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Best business card bonus 

Chase Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

Chase Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.


Rewards

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.


Intro offer

100,000 points after spending $15,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

18.24% – 23.24% Variable

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Credit card news this week

Chase unveiled the new 5x bonus categories for Q4 2022 on the Chase Freedom Flex℠ and Chase Freedom®
(no longer available to new applicants) cards. From October 1 to December 31, 2022, cardholders can earn 5% back on the first $1,500 spent in combined purchases at Walmart and with PayPal (then 1%) after activation. These categories are ideal for holiday shopping, and because PayPal is accepted by most major merchants online, it should be easy to maximize this bonus.

Don’t forget about Amex’s limited-time transfer bonuses of up to 30%, most of which expire at the end of September. This is a terrific opportunity to squeeze more value from your Amex Membership Rewards points by transferring them to participating airline and hotel partners to book award travel for less.

Marriott Bonvoy Brilliant™ American Express® Card cardholders only have a couple of days left to take advantage of the card’s annual $300 Marriott statement credit; starting September 22, 2022, this perk will be replaced by up to $25 per month in dining credits. 

How to pick a credit card bonus

Credit card limited time offers

Credit card intro bonuses aren’t always the same. In fact, certain cards are known for increasing their bonuses from the “standard” offer at least once or twice a year, but usually only for a limited time.

The trick to earning the most rewards is timing your credit card applications to coincide with these elevated offers. For instance, the Citi Premier® Card normally offers 60,000 points after meeting minimum spending requirements, but right now it’s got an increased offer of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening (worth around $1,280 in travel based on Insider’s valuations).

Just because a card has an increased bonus doesn’t mean you should apply. Be sure to consider if the rewards it earns are useful to you, as well as factors like the card’s bonus categories, additional benefits, and annual fee. For example, there are terrific intro bonus offers available right now on the IHG® Rewards Premier Credit Card and IHG® Rewards Premier Business Credit Card — but if you rarely stay at IHG brand hotels, opening one of these cards isn’t a practical move.

We list the top deals available each month in our guide to the best current credit card offers — and every Monday, we publish a weekly roundup (like this one!) of card news and updates to make sure you’ve got the scoop on the very latest deals.

Read our guides to learn more:

Cash back credit cards

The best cash-back credit cards can earn you anywhere from 1% to 6% back on your spending, depending on the card and its bonus categories. Using a cash-back card is a great way to take the sting out of everyday expenses, and because you can use cash back for anything, you’ve got the ultimate flexibility in redeeming your rewards.

Most of the top credit cards in this category have no annual fee, which is important if you’re trying to keep expenses down. However, that usually means you won’t see the outsized intro bonuses that more premium cards offer.

Our pick right now for the best cash back bonus is the Blue Cash Preferred® Card from American Express, which is offering a $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening but charges a $95. Paying that fee is worth it if you can take advantage of the card’s extra-generous bonus categories: 6% back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S. streaming services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).

That said, if paying an annual fee is a turnoff for you, there are plenty of no-annual-fee cash back cards like the Wells Fargo Active Cash® Card or Chase Freedom Unlimited® with solid intro bonuses, benefits, and earning rates. 

Read our guides to learn more:

Flexible points credit cards

Opening a card that earns flexible or transferable points is a smart move if you don’t have immediate plans for redeeming rewards and don’t want to be locked into a specific airline or hotel loyalty program. These travel rewards credit cards typically offer a multitude of redemption options, from cash back and gift cards to transferring points to airline and hotel partners for award travel.

Cards that earn Chase Ultimate Rewards®, American Express Membership Rewards, Citi ThankYou Rewards, and Capital One miles are among the most popular picks in this category. Beyond choosing a card with a high intro bonus offer, be sure to consider how you prefer to redeem rewards and which transfer partners are useful to you (not all programs partner with the same airlines and hotels).

Many of these cards offer bonus points in certain categories, so picking a card that lines up with your spending habits can help you maximize rewards. But if you don’t want to fuss with bonus categories, the Capital One Venture Rewards Credit Card is a great pick because it earns 2x miles on all purchases (except hotels and car rentals booked through Capital One, which earn 5x miles). It’s also offering one of its highest intro bonuses ever: 75,000 miles after spending $4,000 on purchases within 3 months from account opening (worth $1,275 in travel, based on Insider’s valuations).

Some flexible points cards also offer upscale benefits, like airport lounge access and statement credits, but for those, you’ll typically pay a high annual fee (you can read more about them in our guide to the best premium credit cards).

For instance, The Platinum Card® from American Express
offers 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership (worth $1,800 in travel based on Insider’s points and miles valuations) and it comes with an array of perks worth potentially thousands of dollars each year. But it also charges a $695 annual fee, so it’s not practical for many folks.

Read our guides to learn more:

Airline credit cards

If you’re loyal to a particular airline, opening a co-branded airline credit card can make a lot of sense, particularly if you can use perks like free checked bags, priority boarding, or inflight discounts.

Choosing the best airline card for you really depends on how often you fly a particular carrier, which benefits you’re looking for, and how high an annual fee you’re willing to pay. Travelers who only fly a few times a year typically do the best with a mid-tier airline card that offers elite-like perks for a moderate annual fee. 

Let’s look at United credit cards as an example. One of the best of these is the United℠ Explorer Card, which charges a $0 intro annual fee for the first year, then $95, and comes with a free checked bag (when you use the card to pay for your ticket) and priority boarding on United flights, two United Club one-time passes each year, and excellent travel and purchase protections. However, it’s currently offering 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening — one of the lower intro bonuses we’ve seen this year.

Its bigger sibling, the United Quest℠ Card, has a higher bonus and more benefits (including a $125 annual United credit and two free checked bags instead of one). It’s offering 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening, and charges a $250 annual fee. So in this case, you’d have to decide if the card’s higher bonus and additional perks make it worth paying a much higher annual fee.

And, if you’re a very frequent United flyer, you might want to look at the premium United Club℠ Infinite Card, which adds United Club airport lounge access and other upscale perks to the mix. It comes with yet a higher intro bonus offer: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. But this card is only worth it if you can take advantage of the additional benefits, because it charges a $525 annual fee.

Read our guides to learn more:

Hotel credit cards

Most of the major hotel chains offer co-branded credit cards, ranging from basic no-annual-fee cards with a handful of benefits to premium cards with automatic top-tier elite status and statement credits. The best hotel credit card for you again depends mostly on your preferred hotel brand and the benefits you’re looking for, as well as how high of an annual fee you’re willing to pay.

Marriott is a good example, because it offers four co-branded cards issued by both Chase and American Express at various levels of annual fee and with different intro bonuses and perks:

  • Marriott Bonvoy Brilliant™ American Express® Card: 75,000 Marriott Bonvoy bonus points after using your new card to make $3,000 in purchases within the first 3 months of account opening ($450 annual fee, premium benefits)
  • Marriott Bonvoy Boundless® Credit Card: 3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening ($95 annual fee, good benefits)
  • Marriott Bonvoy Business® American Express® Card: 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership ($125 annual fee, good benefits, for small-business owners)
  • Marriott Bonvoy Bold® Credit Card: 30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening ($0 annual fee, basic benefits)

The most expensive of these is the Marriott Bonvoy Brilliant™ American Express® Card, and while it comes with a ton of fancy perks, it’s really only worth the annual fee if you can take advantage of all the benefits. Most average Marriott travelers will do just fine with the mid-tier Marriott Bonvoy Boundless® Credit Card — which also happens to be offering an excellent intro bonus right now.

Read our guides to learn more:

Intro 0% offer credit cards (balance transfers)

Carrying high-interest credit card balances can make getting ahead of your debt really difficult, especially nowadays. A balance transfer credit card might be just what you need to consolidate debt and give yourself some breathing room while you pay down your balances.

Unfortunately, the very best balance transfer credit cards with the longest intro 0% APR periods don’t typically offer an intro bonus. Our top pick right now is the Wells Fargo Reflect® Card, which offers a 0% intro APR for up to 21 months on purchases and qualifying balance transfers from account opening, followed by a 15.24% – 27.24% Variable APR (balance transfers must occur within 120 days of account opening to qualify for the intro 0% APR rate). However, it doesn’t earn any rewards.

That said, there are a number of balance transfer cards that do come with a bonus and earn good rewards. Right now, the best of these is the Citi® Double Cash Card, with its limited-time bonus of $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. New cardholders receive a 0% intro APR on balance transfers for 18 months (then a 16.24% – 26.24% Variable APR), which is a very generous intro period.

Citi® Double Cash Card cardholders effectively earn 2x points (equal to 2% cash back) on all purchases (1 point per dollar when buy, and 1 point per dollar when you pay). 

Read our guides to learn more:

Intro 0% offer credit cards (purchases)

Spending more on a credit card than you can afford to pay off in full is never a good idea, because you’ll get charged interest and could end up accumulating debt. But sometimes, you don’t have a choice but to carry a balance on your credit cards, be it from an unexpected emergency or large purchases you need a little more time to pay off.

A credit card with an introductory 0% APR on purchases can be just the ticket if you know you’ve got big expenses coming up you’ll need to pay for over a longer period. These cards don’t charge interest for a specified time on purchases as long as you make your minimum payment each month, and can be a great tool as long as you have a plan to pay off your balance before the introductory period expires.

Again, the very best 0% APR credit cards for purchases don’t come with a bonus or earn rewards (the Wells Fargo Reflect® Card being a good example) but there are many that do. For instance, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and comes with a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening. And new Wells Fargo Active Cash® Card cardholders receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 17.24%, 22.24%, or 27.24% Variable APR. 

Read our guides to learn more:

Business credit cards

You might be surprised to learn you don’t need to own a huge corporation or be a full-time business owner to qualify for a small-business credit card. If you have a part-time venture or side gig like driving for Uber, working as a freelancer, or reselling on eBay, you could be eligible to apply.

Some of the top business credit cards come with the most valuable intro bonuses around, whether you’re looking to earn cash back, airline miles, hotel points, or flexible rewards. One limited-time offer to watch right now is on the United℠ Business Card with its sky-high bonus of 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months. But if you don’t fly United, this probably won’t appeal (here’s our United Business card review to help you decide).

For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice. New cardholders can earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening (worth $1,800 in travel based on Insider’s valuations). Plus, the card has excellent bonus categories for small businesses and comes with solid benefits, including cell phone protection, for a $95 annual fee.

Of course, if you’re willing to shell out a much higher annual fee, you can find cards with bigger intro bonus offers, such as The Business Platinum Card® from American Express
($695 annual fee). And if you’re looking to earn rewards in an airline or hotel program, there are business card options too (like the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®).

Read our guides to learn more: