When it comes to maximizing the value of your credit card, Sign-Up Bonus Credit Cards are an excellent way to boost your rewards right off the bat. These bonuses offer significant perks, from cash back to travel miles, and can provide you with substantial benefits in your first few months of card ownership. In 2025, several credit cards are offering eye-catching sign-up bonuses that can help you get the most value out of your spending. Below, we explore some of the best credit cards with the most rewarding sign-up bonuses.
Why Consider a Credit Card with a Sign-Up Bonus?
Sign-up bonuses are typically offered to new cardholders as an incentive to apply for and use a new credit card. These bonuses can take several forms, including:
- Cash Back: Some cards offer a lump sum or a percentage back on purchases.
- Points or Miles: Travel cards often reward you with points or miles that can be redeemed for flights, hotel stays, or other travel-related expenses.
- Statement Credit: Some cards offer a sign-up bonus that is applied directly to your statement balance.
Choosing a credit card with a generous sign-up bonus can quickly elevate the value of the card, especially if you make large purchases or meet the spending requirement to unlock the bonus within the given time frame.
Best Sign-Up Bonus Credit Cards of 2025
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is one of the best options for travel lovers in 2025, offering an attractive sign-up bonus and a strong rewards structure. New cardholders can earn 60,000 points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $750 when redeemed for travel through Chase Ultimate Rewards®. This card also earns 2x points on travel and dining, making it perfect for frequent travelers.
Key Highlights:
- 60,000 points sign-up bonus
- 2x points on travel and dining
- No foreign transaction fees
2. American Express® Gold Card
For foodies and frequent diners, the American Express® Gold Card offers an enticing sign-up bonus and exceptional earning rates at restaurants. New cardholders can earn 60,000 Membership Rewards® points after spending $4,000 on purchases within the first 6 months. These points can be redeemed for travel, merchandise, or statement credits. Additionally, you’ll earn 4x points at restaurants, making this card ideal for those who dine out frequently.
Key Highlights:
- 60,000 Membership Rewards® points sign-up bonus
- 4x points at restaurants
- 3x points on flights booked directly with airlines or on amextravel.com
3. Capital One Venture Rewards Credit Card
If you’re looking to maximize your travel rewards with a straightforward and flexible program, the Capital One Venture Rewards Credit Card is an excellent choice. The sign-up bonus for new cardholders is 75,000 miles after spending $4,000 within the first 3 months of account opening. This bonus can be redeemed for up to $750 in travel purchases. Plus, you’ll earn 2x miles on every purchase, making this card a great all-around option for frequent travelers.
Key Highlights:
- 75,000 miles sign-up bonus
- 2x miles on every purchase
- No foreign transaction fees
4. The Platinum Card® from American Express
For those looking for luxury rewards and exclusive travel perks, the Platinum Card® from American Express is a top contender. The card offers a generous sign-up bonus of 100,000 Membership Rewards® points after spending $6,000 on purchases in the first 6 months. These points can be redeemed for flights, hotel stays, and other high-end travel experiences. The Platinum Card® also offers extensive benefits, including airport lounge access, concierge services, and more.
Key Highlights:
- 100,000 Membership Rewards® points sign-up bonus
- Access to over 1,300 airport lounges worldwide
- 5x points on flights booked directly with airlines or through American Express Travel
5. Wells Fargo Active Cash® Card
If you prefer a simple cash back card with a strong sign-up bonus, the Wells Fargo Active Cash® Card is an excellent choice. New cardholders can earn a $200 cash rewards bonus after spending $500 in the first 3 months. The card offers unlimited 2% cash back on all purchases, making it ideal for everyday spending. Plus, it has no annual fee, which helps you keep your savings intact.
Key Highlights:
- $200 cash rewards bonus
- 2% cash back on every purchase
- No annual fee
6. Citi Premier® Card
The Citi Premier® Card is a great choice for those who want to earn travel rewards with a flexible sign-up bonus. New cardholders can earn 80,000 points after spending $4,000 in the first 3 months. These points can be redeemed for travel through the Citi ThankYou® program or transferred to a variety of airline partners. The card also offers 3x points on travel, including gas stations, making it ideal for those who spend a lot in this category.
Key Highlights:
- 80,000 points sign-up bonus
- 3x points on travel, including gas stations
- No foreign transaction fees
7. Chase Freedom Unlimited® Credit Card
If you’re looking for a card with both a great sign-up bonus and excellent cash back rewards, the Chase Freedom Unlimited® card offers both. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Additionally, you can earn 1.5% cash back on every purchase, with higher earnings on specific categories like travel booked through Chase Ultimate Rewards® (5%) and dining (3%).
Key Highlights:
- $200 sign-up bonus
- 1.5% cash back on every purchase
- 5% cash back on travel purchases through Chase Ultimate Rewards®
Tips for Maximizing Your Sign-Up Bonus
To get the most out of your credit card’s sign-up bonus, consider the following tips:
1. Meet the Spending Requirement
Make sure to meet the required spending within the specified time frame to earn your sign-up bonus. It’s important to plan your purchases to reach the spending requirement without overspending or going beyond your budget.
2. Keep Track of Bonus Categories
Some cards offer bonuses for spending in specific categories (e.g., travel, dining, or groceries). Focus on these categories to maximize your rewards during the bonus period.
3. Don’t Overextend Your Credit
While earning a large bonus can be tempting, avoid taking on more debt than you can manage. Paying off your balance in full every month will ensure that you benefit from the rewards without paying high interest charges.
4. Take Advantage of Additional Benefits
Many credit cards with generous sign-up bonuses also come with added perks like travel insurance, purchase protection, and concierge services. Be sure to familiarize yourself with all the benefits the card offers to make the most of your membership.
Final Thoughts
Sign-up bonuses can be one of the most rewarding aspects of applying for a new credit card. In 2025, many credit cards offer impressive bonuses that can provide substantial value when used strategically. Whether you’re a frequent traveler, a diner, or someone looking for cash back rewards, there’s a card that fits your needs. By considering the best options and maximizing your rewards, you can turn your new credit card into a valuable tool for achieving your financial goals.