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Credit Cards

Credit card sign-up bonuses worth claiming

$500–$1,000+ in cash, points, or miles for opening a new card — with the spend requirement, time window, and annual fee shown up front.

24 opportunities · Up to $113,000 total value

Credit card sign-up bonuses are one of the most reliable ways to earn $500–$1,000+ in cash, points, or miles per card. The catch is that each bonus has a spend requirement (typically $1,000–$5,000 in 90 days) and an annual fee that may or may not be waived for the first year. We pull current offers from a maintained catalog covering Chase, Amex, Capital One, Citi, Discover, Bilt, and most major issuers — with the bonus, spend requirement, time window, and annual fee shown on every card so you can decide before applying.

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How to maximize credit card sign-up bonuses — a complete guide
Learn how 5/24, the church of points, and business cards work. Strategy for stacking bonuses without wrecking your credit.

Current opportunities

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How it works

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1. Browse

See opportunities that match your profile, sorted by payout.

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2. Claim

Follow the step-by-step guide we provide for each claim.

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3. Get paid

Track your claims in one place and know when money arrives.

Frequently asked questions

How does a credit card sign-up bonus work?

Open a new card, hit the spend requirement (e.g. $4,000 in 90 days) on regular purchases, and the issuer credits the bonus — points, miles, or a statement credit — usually 1–2 billing cycles after you meet the spend. The bonus is on top of any normal earning rate the card offers.

Will applying for a card hurt my credit score?

A new card application triggers a hard inquiry, which typically dings your credit score by 3–5 points for a few months. The bigger long-term impact is positive: a new account raises your average credit limit and lowers your utilization. Don't apply for cards you can't pay off in full each month.

What's the difference between a personal card and a business card?

Business cards (Ink Business Preferred, Amex Business Platinum, etc.) usually have higher bonuses and don't count toward Chase's 5/24 rule. They're available to anyone with a real or planned business — a sole proprietorship using your SSN as the EIN counts. Personal cards are simpler but cap out at lower bonuses.

Are sign-up bonuses taxable?

Cash-back bonuses (statement credits) from credit card sign-ups are generally NOT taxable — the IRS treats them as a rebate on your spend. Bank account bonuses ARE taxable (you'll get a 1099-INT). Talk to a tax professional for your specific situation.

What is Chase's 5/24 rule?

Chase will deny you for any new Chase card if you've opened 5 or more credit cards (any issuer) in the last 24 months. Most other issuers don't have a hard limit like this, but Amex and Capital One have their own quirks (Amex's 'pop-up jail', Capital One's 1-card-every-6-months rule).

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