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20 Best credit card signup bonuses of October 2022

The most valuable offer this month is worth over $4,500.

The best credit card welcome offers for new cardholders are ones that deliver the highest value in terms of cash back or rewards points, with the fewest requirements. Our credit card experts spend hundreds of hours each month analyzing over 500 cards to rank the most generous 20 welcome offers for October 2022.

No annual fee

Capital One VentureOne Rewards Credit Card


Finder rating 3.5 / 5

  • Up to $200 value
  • 20,000 miles after spending $500 in the first 3 months
Apply now
on Capital One's secure site

Business bonus

Revenued Business Card Visa®


Finder rating 3.9 / 5

  • $500 cash bonus
  • $500 back after spending $5,000 in the first 3 months
Apply now
on Sutton Bank's secure site

All-around value

Capital One Venture Rewards Credit Card


Finder rating 4.4 / 5

  • Up to $750 value
  • 75,000 miles after spending $4,000 in the first 3 months
Apply now
on Capital One's secure site

What are the biggest welcome offers of 2022?

The biggest welcome offers on the market can reach up to nearly $2,000 in value. The trade-off for such value however is you’ll typically need to pay an annual fee to use these cards.

Here’s a list of the top 20 most valuable welcome offers of 2022 based on Finder’s current valuations:

Credit cardBonus pointsFinder’s estimated value
The Platinum Card® from American Express100,000 $2,000
Read review
Aeroplan® Credit Card70,000 $1,050
See offer
Marriott Bonvoy Boundless® Credit CardUp to 100,000$900
See offer
Iberia Visa Signature® card75,000$1,500
See offer
Aer Lingus Visa Signature® Credit Card75,000 $1,500
See offer
United Club℠ Infinite Card80,000 $1,200
See offer
Capital One Venture X Rewards Credit Card75,000 $750
Apply now
Chase Sapphire Preferred® Card60,000 $750
See offer
Delta SkyMiles® Gold American Express Card65,000 $980
Read review
Citi Premier® Card80,000 $800
Read review
Hilton Honors™ Aspire Card 150,000 $900
Read review
United℠ Explorer CardUp to 50,000 $840
See offer
United Quest℠ Card70,000 $840
See offer
Marriott Bonvoy Brilliant™ American Express® Card150,000 $1,350
Read review
Hilton Honors American Express Surpass® Card 130,000 $780
Read review
Chase Sapphire Reserve®60,000 $900
See offer
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®50,000 $750
Read review
IHG® Rewards Premier Credit Card140,000 $700
Read review
Delta SkyMiles® Reserve American Express Card95,000 $700
Read review
Delta SkyMiles® Platinum American Express Card80,000 $700
Read review

Compare credit cards with intro offers

Even the best credit card welcome offer isn’t enough to merit an application if the other aspects of the card don’t fit your needs.

1 - 3 of 18
Name Product Welcome Offer Rewards Annual fee Filter values
Revenued Business Card Visa®
Receive $500 cash back after spending $5,000 in your first 3 months
3% cash back on all purchases
A flexible spending line and prepaid business card that earns 3% cash back on all purchases. Apply with no hard credit check. Requirements: 6+ months in business, an existing business bank account with $10,000 average monthly deposits, more than one employee.
Capital One Venture X Rewards Credit Card
75,000 miles after you spend $4,000 in your first 3 months of account opening
2x miles on every purchase, every day, 10x miles on hotels and rental cars booked through Capital One Travel, 10x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023, 5x miles on flights booked through Capital One Travel
Capital One's premium luxury travel card, featuring airport lounge access at Capital One Lounge and 1,300+ Priority Pass lounges.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.

Compare up to 4 providers

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Do American Express cards have a signup bonus?

In a sense, yes. Except you don’t get a bonus for signing up. Instead, you’ll be greeted with a welcome offer when you join the Amex family. But you must earn the offer by meeting the spend requirements.

How to choose a signup bonus credit card

When choosing a credit card based on its signup bonus, consider the following:

  • Size of the offer. If you’re looking to get the highest value, check out general travel rewards cards, hotel cards or airline cards. These cards often come with a signup bonus worth $500 or more.
  • Point values. Not all reward points are created equal. While many points are worth about 1 cent each, some are worth more or less depending on how you redeem them.
  • Can you clear the spending requirement? Some credit cards have a high spend ceiling to clear the signup bonus. For example, some require you to spend $5,000 in the first three months of card membership to be eligible. There are ways to earn the offer, but if you find it hard to meet the spend requirement, don’t force it. You could end up paying more than it’s worth.
  • Interest rates. If you don’t pay your balance on time, the interest can quickly eat up your rewards. Make sure you always consider this when comparing credit cards.
  • Additional features. Some credit cards come with a 0% intro APR period on balance transfers and purchases or no balance transfer fees. If you’re looking to make a balance transfer or make a large purchase and carry the balance interest-free, this could be a solid option.
  • Travel perks. For some cards, a lower signup bonus might be worth it if the card offers great additional perks. This is most common on travel cards, which can offer benefits like no foreign transaction fees, flight upgrades, airline lounge access, free night stays at hotels and more.

How do signup bonuses work?

Most signup bonuses work similarly in what they offer and how you obtain them. In short, you’ll receive some sort of bonus for meeting a spending requirement set by the issuer within a specific period of time. These bonuses are most often cash back or bonus points and miles.

Spending requirements on a card’s signup bonus are often commensurate with the value of the bonus. So the higher the bonus you can receive, the more you’ll need to spend to nab that reward. In some cases, you might only need to make a single purchase on your card to earn a bonus.

Most signup bonus offers require you to meet this spending bonus within 90 days of account opening, though you might find a few bonuses with more or less allotted time.

How and where can I apply for my signup bonus credit card?

The simplest way to obtain a signup bonus credit card is to look at the existing options available in the comparison table above. After comparing the credit cards and identifying the best one for you, hit the Apply now button and continue to complete the form.

Take note: most issuers won’t let you sign up for the same card twice. And even if you can, you likely won’t enjoy the same signup bonus on your second card.

Once approved, how long does it take before I can receive the signup bonus credit card?

After approval, the specific bank will post your new credit card and you should receive it in up to 10 days. For security purposes, the credit cards are not activated until they are safely received. As soon as you activate it you will be able to immediately use your credit card and earn reward points.

How often should I apply for a new credit card bonus?

Generally, so long as you can meet the card’s spend requirements with your normal level of spending, you could consider opening a new card every eight to 12 months depending on your needs.

One thing to keep in mind is that some issuers have limitations on the number of cards you can open or how often you can receive a signup bonus. Otherwise, new cards can prove beneficial by increasing your overall credit limit and giving you additional reward opportunities.

Bottom line

If you look at an offer and feel that you can utilize the card effectively, a credit card with a signup bonus can be great. But make sure you don’t sign up without weighing in all the pros and cons or you could be paying more at the end of the day. Take a look at all available credit cards to find one that best suits your needs.

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