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20 Best credit card signup bonuses of October 2021

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 2021.
The Platinum Card® from American Express logo

Up to $7,000 combined value, terms apply

The Platinum Card® from American Express

★★★★★
Finder rating: 4.4/5
Marriott Bonvoy Brilliant™ American Express® Card logo

Up to $1,500 value

Marriott Bonvoy Brilliant™ American Express® Card

★★★★★
Finder rating: 4.6/5
Citi Premier® Card logo

Up to $800 value

Citi Premier® Card

★★★★★
Finder rating: 4.3/5
Aer Lingus Visa Signature® Credit Card logo

Up to $1,500 value

Aer Lingus Visa Signature® Credit Card

★★★★★
Finder rating: 3.6/5

What are the biggest welcome offers of 2021?

The biggest welcome offers on the market can reach up to nearly $2,000 in value. The tradeoff 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 2021 based on Finder’s current valuations:

Credit cardBonus pointsEstimated value
The Platinum Card® from American Express100,000 $7,000
Apply now
Chase Sapphire Preferred® Card60,000 $750
See offer
Chase Sapphire Reserve®50,000 $750
See offer
Marriott Bonvoy Brilliant™ American Express® Card150,000 $1,500
Apply now
Citi Premier® Card80,000 $800
Apply now
Delta SkyMiles® Platinum American Express Card90,000 $1,260
Apply now
Delta SkyMiles® Reserve American Express Card80,000 $1,120
Apply now
Aer Lingus Visa Signature® Credit Card100,000 $1,500
See offer
Iberia Visa Signature® card100,000$1,500
See offer
United Club℠ Infinite Card75,000 $975
See offer
Southwest Rapid Rewards® Premier Credit Card50,000 $640
Read review
Southwest Rapid Rewards® Priority Credit Card50,000 $640
Read review
Southwest Rapid Rewards® Plus Credit Card50,000 $640
Read review
IHG® Rewards Club Premier Credit Card150,000 $900
See offer
Marriott Bonvoy Boundless® Credit Card50,000$1,250
See offer
United℠ Explorer Card40,000 $480
See offer
Capital One Venture Rewards Credit Card60,000
Read review
Hilton Honors American Express Surpass® Card 130,000 $900
Read review
Hilton Honors™ Aspire Card 150,000 $900
Read review
AAdvantage® Aviator® Red World Elite Mastercard®60,000 $840
Read review

Latest credit card deals

World of Hyatt Credit Card: Apply by September 30, 2021 and upon approval you’ll receive 2 Tier-Qualifying Night Credits for each night you stay from September 16 through December 31, 2021.

Earn 100,000 bonus points after you spend $4,000 in the first 3 months of opening a Chase Sapphire Preferred.
As of June 6, 2021, the Chase Sapphire Preferred® Card got a boost to its signup bonus and now you can earn 60,000 bonus points after you spend $4,000 in the first 3 months of card membership. This is the largest signup bonus value ever offered on Chase’s flagship cards, so now is a great time to apply if you’ve been on the fence.

Limited-time offers

Card providers often change their signup bonuses or tweak their reward programs. Generous rewards await you during these times, which are otherwise unavailable. Depending on the offer, it can be available to new cardholders, to existing cardholders or both.

Current limited-time offers are as follow:

Credit cardLatest offerOld offerOffer expiration
Chase Freedom Flex℠5% cash back on Lyft rides

Complimentary 3 months of DashPass, DoorDash’s subscription service, with unlimited deliveries for a $0 delivery fee on orders over $12 on DoorDash and Caviar

After that, you are automatically enrolled in DashPass at 50% off for the next nine months

1% on Lyft before the new offer

No DashPass benefits

Lyft cash back lasts until March 31, 2022

You can activate DashPass by December 31, 2021

Chase Freedom Unlimited®5% cash back on Lyft rides

Complimentary three months of DashPass, DoorDash’s subscription service, with unlimited deliveries for a $0 delivery fee on orders over $12 on DoorDash and Caviar

After that, you are automatically enrolled in DashPass at 50% off for the next nine months

1.5% on Lyft before the new offer

No DashPass benefits

Lyft cash back lasts until March 31, 2022

You can activate DashPass by Activate by December 31, 2021

Chase Sapphire Preferred® Card2x points on up to $1,000 in grocery store purchases per month; includes pick-up and delivery services

1-year complimentary DashPass subscription with unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases

Up to $60 Peloton membership credit

5x points on Lyft rides
1x points on groceries before the promotion

No DashPass benefits

No Peloton statement credit

No Lyft benefits

Grocery category ended April 30, 2021

Activate DashPass subscription by December 31, 2021

Peloton credit through December 31, 2021

Lyft rides cashback category through March 31, 2022

Chase Sapphire Reserve®3x points on up to $1,000 in grocery store purchases per month; includes pick-up and delivery services

1-year complimentary DashPass subscription with unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases
+
$60 DoorDash credit for December 2020 and $60 through December 2021

Up to $120 Peloton membership credit

10x points on Lyft rides
+
Lyft Pink membership with up to 15% off every car ride, plus priority airport pickups and relaxed cancellations
1x points on groceries before the promotion

No DashPass benefits

No Peloton statement credit

No Lyft benefits

Grocery category ended April 30, 2021

Activate DashPass subscription by December 31, 2021

Peloton credit through December 31, 2021

Lyft rides cashback category through March 31, 2022

Activate Lyft Pink membership by March 31, 2021

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.

Name Product Welcome Offer Rewards Annual fee Filter values
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
$0
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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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. You get a welcome offer for joining the Amex family. However, you still have to earn the offer by meeting the spend requirements.

How to choose a signup bonus credit cards

When choosing a credit card based on its signup bonus, be sure to 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, click on 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 8-12 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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