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    The Best Credit Card Welcome Offer Bonuses in October 2025

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Top Picks (Personal Cards)

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    Card Name

    Welcome Offer

    UP’s Bonus Valuation*

    Annual Fee

    Platinum Card® from American Express
    Platinum Card® from American Express

    + NEW BENEFITSAs High As 175,000 Points. Find Out Your Offer.Platinum Card® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

    up to $3,850

    American Express® Gold Card
    American Express® Gold Card

    NEW OFFERAs High As 100,000 Points. Find Out Your Offer.American Express® Gold CardYou may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

    up to $2,200

    $325 (rates & fees)

    Chase Sapphire Preferred®
    Chase Sapphire Preferred® Card

    NEW OFFER75,000 pointsChase Sapphire Preferred® CardEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

    $1,500

    $95 (rates & fees)

    Chase Sapphire Reserve®
    Chase Sapphire Reserve®

    NEW OFFER125,000 pointsChase Sapphire Reserve®Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

    $2,500

    $795 (rates & fees)

    Capital One Venture Rewards Credit Card
    Capital One Venture Rewards Credit Card

    75,000 milesCapital One Venture Rewards Credit CardEarn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

    $1,350

    Annual fee of $95
    (rates & fees)
    (APR: 19.99% - 29.24% variable)
    (rates & fees)

    Capital One Venture X Rewards Credit Card
    Capital One Venture X Rewards Credit Card

    75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

    $1,350

    Annual fee of $395
    (rates & fees)
    (APR: 19.99% - 28.99% Variable)
    (rates & fees)

    * This bonus value is an estimated valuation calculated by Upgraded Points after analyzing redemption options, transfer partners, award availability, and how much Upgraded Points would pay to buy these points. ** Calculated as bonus points divided by the dollars spent to achieve the bonus.

    BUSINESS OWNER? Click here if you’re looking for a business credit card with a large welcome bonus offer!

    Best Personal Cards for Large Welcome Bonuses

    Platinum Card® from American Express (Top Pick, Best Card for Complimentary Lounge Access)

    + NEW BENEFITS
    Platinum Card® from American ExpressTerms Apply / Rates & Fees
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 175,000 Points. Find Out Your Offer.
    Up to $3,850
    $895
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros & Cons
    Pros
    • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
    • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
    • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
    Cons
    • $895 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    Card Highlights
    • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
    • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
    • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
    • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
    • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
    • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
    • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
    • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
    • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
    • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
    • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
    • $895 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    Not only does the Amex Platinum card have one of the best welcome offers, but it is also one of the best travel rewards cards on the market as well.

    While it does charge a large annual fee, frequent travelers are more than able to make up for the expense thanks to the variety of credits it offers, hotel and rental car elite status, and the fact that it is the best credit card for airport lounge access — including access to 1,550 lounges such as the Amex Centurion Lounges, Priority Pass lounges (upon enrollment), Plaza Premium Lounges, and many more.

    American Express® Gold Card (Best for Earning Points at U.S. Supermarkets and Restaurants)

    NEW OFFER
    American Express® Gold CardTerms Apply / Rates & Fees
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
    You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 100,000 Points. Find Out Your Offer.
    Up to $2,200
    $325
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The American Express® Gold Card is a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros & Cons
    Pros
    • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    Card Highlights
    • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
    • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
    • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
    • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
    • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
    • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
    • No Foreign Transaction Fees.
    • Annual Fee is $325.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Gold card is easily one of our favorite rewards cards. This is because Amex Membership Rewards points are some of our favorite points to earn, and the Amex Gold card is great at earning them. With it, you’ll earn 4x points at U.S. supermarkets (on up to $25,000 per year) and restaurants (up to $50,000 per year), plus 3x points on flights booked directly with airlines or at Amex Travel.

    Cardholders also receive great benefits, such as:

    • Uber Cash of up to $120 annually (up to $10 monthly Uber Cash for Uber Eats orders or Uber rides in the U.S.). Must add your Gold Card to your Uber account to receive the benefit, but you can use any Amex card for payment.
    • Up to $120 in annual dining credit (up to $10 each month at select restaurants and food delivery services)
    • Up to $100 annually in Resy credits (up to $50 semi-annually at any U.S. Resy restaurant and other eligible Resy purchases)
    • Up to $84 annual at Dunkin’ (up to $7 a month back as a statement credit for purchases made at Dunkin’)
    • Travel protections
    • Access to Amex Offers

    Chase Sapphire Preferred® Card (Best Sub-$100 Annual Fee Card)

    NEW OFFER
    Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

    Apply Now(at Chase's secure site)
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    75,000 points
    $1,500
    $95
    19.99% - 28.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros & Cons
    Pros
    • 5x points on all travel booked via the Chase Travel portal
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    Card Highlights
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC
    Financial Snapshot
    • APR: 19.99% - 28.24% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    Chase Sapphire Reserve® (Excellent For Priority Pass Lounge Access, Chase Sapphire Lounges)

    NEW OFFER
    Chase Sapphire Reserve®Terms Apply / Rates & Fees
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

    Apply Now(at Chase's secure site)
    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
    Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    125,000 points
    $2,500
    $795
    20.24% - 28.74% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent
    Why We Like This Card

    If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

    The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

    Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

    Pros & Cons
    Pros
    • 8x points on all Chase Travel purchases
    • 5x points on Lyft rides
    • 4x points on flights and hotels booked directly
    Cons
      • $795 annual fee
    Card Highlights
    • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    • Get more than $2,700 in annual value with Sapphire Reserve.
    • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
    • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
    • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
    • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
    • Member FDIC
    Financial Snapshot
    • APR: 20.24% - 28.74% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    Capital One Venture Rewards Credit Card (Best Value Venture Card)

    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

    Apply Now(at Capital One's secure site)
    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
    Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $95
    Purchases: 19.99% - 28.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent Credit (670-850)
    Why We Like This Card

    The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

    Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

    Pros & Cons
    Pros
    • 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • Up to a $120 Global Entry or TSA PreCheck application fee credit
    Cons
    • $95 annual fee
    • Limited elite benefits
    Card Highlights
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
    • Transfer your miles to your choice of 15+ travel loyalty programs
    Financial Snapshot
    • APR: Purchases: 19.99% - 28.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

    Playing little brother to the Capital One Venture X card is the Capital One Venture card, and while it doesn’t offer all the bells and whistles of the premium version, it currently offers the same great welcome offer and plenty of solid perks.

    It also earns an uncapped 2x miles on all purchases, a Global Entry or TSA PreCheck credit, auto rental insurance, and more. Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

    Capital One Venture X Rewards Credit Card (Best for Priority Pass Lounges and Authorized User Benefits)

    Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

    Apply Now(at Capital One's secure site)
    The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $395
    Purchases: 19.99% - 28.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent (740-840)
    Why We Like This Card

    The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

    Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

    Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

     

    Pros & Cons
    Pros
    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
    • 2x miles per $1 on all other purchases
    Cons
    • $395 annual fee
    • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
    Card Highlights
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    Financial Snapshot
    • APR: Purchases: 19.99% - 28.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

     

    The Capital One Venture X card is a great all-in-one premium rewards card thanks to perks like 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and an uncapped 2x miles on all other purchases.

    You’ll receive unlimited access to 1,300+ lounges, including Capital One Lounges and Priority Pass™ lounges, after enrollment, plus up to $300 annual travel credit, 10,000 annual bonus miles, cell phone protection, and more.

    Chase Freedom Unlimited®

    Chase Freedom Unlimited®
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

    When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

    Pros & Cons
    Pros
    • 5% back on travel purchased through Chase Travel℠
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    Cons
      • 3% foreign transaction fee
    Card Highlights
    • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC
    Financial Snapshot
    • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    The Freedom Unlimited card is perfect for those who are looking to have 1 card to use for pretty much every purchase, as you know you’ll always get an uncapped 1.5% on all non-bonused purchases you make with the card.

    That said, the card also offers some solid bonus categories, too, like 5% on travel purchased through Chase and 3% on dining and drugstore purchases.

    As with the Freedom Flex card, those who pair their Freedom Unlimited card with a premium Chase card like the Chase Sapphire Preferred card or Chase Sapphire Reserve® can redeem their points for an increased value through the Chase travel portal or transfer to one of Chase’s airline and hotel partners, as well.

    The Freedom Unlimited card also comes with rental car insurance, purchase protection, and extended warranty coverage.

    Best Business Cards for Large Welcome Bonuses

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    Card Name

    Welcome Offer

    UP’s Bonus Valuation*

    Annual Fee

    The Business Platinum Card® from American Express
    The Business Platinum Card® from American Express

    ELEVATED WELCOME OFFER200,000 pointsThe Business Platinum Card® from American ExpressEarn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

    up to $4,400

    $895 (rates & fees)

    American Express® Business Gold Card
    American Express® Business Gold Card

    ELEVATED OFFER100,000 pointsAmerican Express® Business Gold CardEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

    up to $2,200

    $375 (rates & fees)

    * This bonus value is an estimated valuation calculated by Upgraded Points after analyzing redemption options, transfer partners, award availability, and how much Upgraded Points would pay to buy these points. ** Calculated as bonus points divided by the dollars spent to achieve the bonus.

    The Business Platinum Card® from American Express (Best for Airport Lounge Access & Hotel Status)

    ELEVATED WELCOME OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

    Apply Now(at Amex's secure site)
    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    200,000 points
    Up to $4,400
    $895
    18.24% - 28.99% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

    When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

    Pros & Cons
    Pros
    • Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
    • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
    Cons
    • High annual fee of $895 (rates & fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    Card Highlights
    • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
    • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
    • New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
    • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
    • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
    • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
    • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
    • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
    • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
    • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
    • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
    • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
    • 5X points on flights and prepaid hotels on AmexTravel.com
    • 1X points on other eligible purchases
    • $895 Annual Fee.
    • Terms Apply.
    Financial Snapshot
    • APR: 18.24% - 28.99% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Business Platinum card offers a welcome offer large enough to redeem for some big-time travel value.

    The card is also a great fit for traveling business owners looking for a premium credit card that offers the best airport lounge access, expedited security screening through Global Entry and CLEAR, and helpful annual credits with companies like Dell, Indeed, and Adobe.

    American Express® Business Gold Card (Best for Earning Lots of Points, Best for Buying Ads)

    ELEVATED OFFER
    American Express® Business Gold CardTerms Apply / Rates & Fees
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

    Apply Now(at Amex's secure site)
    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
    Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
    100,000 points
    Up to $2,200
    $375
    18.24% - 28.99% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

    The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

    Pros & Cons
    Pros
    • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
      • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
      • U.S. purchases made from electronic goods retailers and software & cloud system providers
      • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
      • U.S. purchases at gas stations
      • U.S. purchases at restaurants, including takeout and delivery
      • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
    • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
    • Access to Amex’s The Hotel Collection
    Cons
    • $375 annual fee (rates and fees)
    • No elite travel benefits like airport lounge access or elite status
    Card Highlights
    • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
    • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
    • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
    • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
    • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
    • *Terms Apply
    Financial Snapshot
    • APR: 18.24% - 28.99% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Business Gold card is a great option for business owners looking to earn as many Amex Membership Rewards points as possible.

    This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    •  U.S. purchases made from electronic goods retailers and software & cloud system providers
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

    Plus, it offers perks like trip delay insurance, and access to Amex’s The Hotel Collection.

    For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

    For the trip delay insurance benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

    For the baggage insurance plan benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

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