Updated on Aug 21, 2019

Best Sign-up Bonus Credit Cards of August 2019

Reward yourself with a signup bonus worth up to $1,000.
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With the right credit card, you can earn a signup bonus worth hundreds of dollars without changing the way you spend your money. You can earn free flights, nights at hotels, and more. Check out our list of 2019’s best credit card signup bonus offers to find the one that suits your lifestyle.

Best Credit Card Signup Bonus Offers of 2019:

  • Flexible Travel Rewards – Capital One® Venture® Rewards Credit Card

  • Capital One® Venture® Rewards Credit Card APPLY NOW
    Best for general rewards Capital One® Venture® Rewards Credit Card
    Apply Now on Capital One's secure website
Apply Now on Capital One's secure website

Best for general rewards

Capital One® Venture® Rewards Credit Card

Redeem for... Hotels, airfare, train tickets, and more
Reward details 2X miles on all purchases

Current Offer 50,000 miles
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 50000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 25.24% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 17.99% - 25.24% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® Venture® Rewards Credit Card is a mid-range card that’s great if you want to earn miles (2X miles per dollar, to be exact) on all purchases. It’s also a great fit if you’re into spontaneous travel deals because no matter when or how the right deal pops up, you can use the Capital One Purchase Eraser® to redeem miles and receive an account credit for the full or partial cost of your travel purchase.

How to use it
  • Use this card for all purchases to earn unlimited 2X miles per dollar.
  • Spend $3,000 on purchases in the first three months to earn 50,000 bonus miles.
  • Redeem your miles for hotels, airfare, cash back, and more.
Consider this

The Capital One® Venture® Rewards Credit Card has similar minimum spending requirements: unlimited 2X miles on all purchases, and $3,000 in the first three months of opening your account.

Why you'll love it

With the Capital One® Venture® Rewards Credit Card, redeeming miles for travel is a breeze. Shop around for the best travel deals, then book with any airline or hotel chain. Since you’re not using miles specific to travel brands, you won’t have to worry about blackout dates or award availability.

Start your application now Back to top

Here are the best credit card signup bonus offers for 2019:

Best for... Credit Card
General Rewards Capital One® Venture® Rewards Credit Card Apply Now

How signup offers work

Credit card signup bonuses come in a variety of flavors, including cash back, statement credits (which you can apply to almost any purchase on your card, depending upon the terms and conditions), and travel rewards. But regardless of the type of reward, all signup bonuses work in a similar fashion.

Here are a few signup bonus fundamentals you should consider as you choose the one that benefits you the most:

  • Signup bonuses usually have a minimum spending requirement. The majority of credit card signup bonus offers require that you hit a minimum spending requirement within a fixed amount of time after opening the account (usually three months).
  • You may have to pay an annual fee. A really generous signup bonus is often indicative of an annual fee — the fee you have to pay each year to maintain your account. These fees range anywhere from around $50 to $450, but they are oftentimes waived for the first year. If you’re considering a card with a fee, make sure to evaluate how paying the annual fee could impact the benefit of your signup bonus.
  • There may be additional terms and conditions. On top of the minimum spending requirement (and possible fee), you might have to perform other specific tasks to qualify for your signup bonus. For example, certain co-branded hotel loyalty credit cards might require that you sign up for the loyalty program before you can begin to earn your bonus.

Here’s how to maximize your signup bonus

  • Choose a card with a signup bonus that fits your lifestyle. Take a look at your budget and consider where, and how much, you plan to spend during the first three months with your new card. (90 days is the standard cutoff for earning a signup bonus.) Choose a credit card with a signup bonus that aligns with your spending so that you don’t risk overspending for the sake of the bonus.
  • Make sure you understand how to redeem your rewards. The Discover it® Miles and Chase Sapphire Preferred® Card earn travel rewards. But the Discover it® Miles allows you to redeem your rewards as cash back or as a statement credit towards travel purchases, whereas Chase Ultimate Rewards® lets you redeem rewards points for travel, gift cards, and more. Simply put, make sure that the card you get offers the type of rewards you want.
  • Watch out for fees. There are plenty of luxury cards with enticing rewards and perks. But depending on how much you plan to spend, the annual fee might cut into some or all of your bonus value. It’s also best to pay your card off in full each month to avoid late fees and interest payments.
  • Keep your eye out for new offers from different card issuers. Investigate new credit card offers every year to see whether you could improve your rewards rate or score a new signup bonus. Just remember: Applying for a new card will result in a hard inquiry, which can impact your credit score. (Closing accounts can also impact your score by elevating your debt utilization ratio.)

Signup bonus best practices

Bigger isn’t always better when it comes to credit card signup bonuses. Before you commit to a lucrative offer, consider the following best practices:

  • Keep your overall credit health in mind. Since opening new credit cards (and closing old ones) can have a negative effect on your credit, it’s important to weigh the pros and cons of either action. In other words, be careful about pursuing signup bonuses to the point where your credit score might feel a negative impact.
  • Pay your bill in full every month to avoid paying interest. Paying interest on your purchases while simultaneously pursuing rewards is never a good idea. If you can’t pay your card off in full each month, avoid signup bonuses altogether and opt for a low-interest credit card instead.
  • Don’t open too many cards just for the signup bonus. Getting a new card will result in a hard inquiry with at least one of the three credit reporting agencies. So while you might be enticed to sign up for a handful of offers at once, multiple hard inquiries can temporarily lower your credit score.

How long should I wait before applying for another credit card?

If you have an excellent credit history, it’s possible you could be approved in two to three months after your last application. Six months is a good rule of thumb, but those with a FICO® score less than 669 should wait at least a year.

Hard inquiries show up on your credit report after you apply for credit, like an auto loan or credit card. Not only can they affect your credit score; they stick with your credit report for up to 2 years. As a best practice, you shouldn’t risk incurring a hard inquiry unless you have a high probability of being approved.

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