Best Credit Card Offers – February 2023

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This post includes offers that I think are noteworthy right now. I always include best offers available in these links, even if I don’t earn a commission from it.

Looking for a card not on this list? Go to All Card Offers to browse all my affiliate cards. Applying for a card through my affiliate links doesn’t cost you anything, but earns me a small commission to help keep providing great content free.

Not sure where to start? Check out my post on Picking Your First Card to see our favorite starter cards and get some basic strategy tips. And make sure you understand the Chase 5/24 rule!

If you use one of my links, let me know so I can personally thank you.

Table of Contents

    Top 5 Cards to Start With

    These are my favorite cards to start with because they all have solid bonuses (worth a minimum of $750 towards travel) and the points can be transferred to airlines and hotels. You can read more about each card below but if you’re just starting out, all of these are great options.

    All of these cards also get harder to get approved for the more cards you get, so you’ll want to get them early on.

    Chase Sapphire Preferred

    This is a perennial favorite for so many reasons! The current bonus will get you $750 of travel…or more if you leverage the transfer partners like Hyatt. It also gives great travel insurance when you book with the card and a $50 annual hotel credit.

    Chase Sapphire Preferred – Learn how to apply
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
    • $95 annual fee
    • Ultimate Rewards points can be transferred to a variety of partners like Southwest, Hyatt, United, and more!
    • You can also redeem points through the Chase Travel Portal. 60,000 points = $750 of travel
    • Great option for booking all-inclusive resorts or hotels in Hawaii.

    Capital One Venture X

    Don’t let the annual fee of $395 scare you. The $300 annual travel credit and a slew of other benefits make this card a keeper. Plus you’ll immediately up your travel game with airport lounge access and Hertz Presidents’ Club status.

    Capital One Venture X
    Capital One® Venture X : Earn 75,000 bonus miles
    • 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
    • $395 annual fee
    • $300 annual travel credit when booking through Capital One’s portal
    • 10,000 points every year on account anniversary (worth at least $100)
    • Statement credit for Global Entry or TSA Precheck
    • Easy airport lounge access for your whole family
    • Miles can be redeemed to erase any travel purchase. 75,000 miles = $750
    • Can be transferred to a variety of partners like Jet Blue, Wyndham, Avianca, Turkish Airways and more.
    • Get our downloadable checklist here so you can max your benefits

    Capital One Venture – 75,000 miles

    If you really can’t stomach the annual fee of the Venture X, the Venture has a similar offer and a lower $95 fee! Points have the same uses as the Venture X.

    Capital One Venture card
    Capital One® Venture Rewards – Limited time 75,000 mile offer
    • $95 annual fee
    • 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
    • Miles can be redeemed to erase any travel purchase. 50,000 miles = $500
    • Can be transferred to a variety of partners like Jet Blue, Wyndham, Avianca, Turkish Airways and more
    • Also worth considering the Venture X which has more benefits and the same offer.

    Citi Premier

    Citi has been very stingy with approvals for this card so this is a good one to get early on. The extended warranty is the best of all the starter cards and offers an additional 2 years of protection on items you purchase. This card often raises the bonus to 80,000 points so if you’re not in a rush for the points, it can be worth waiting for a higher offer.

    Citi Premier Offer
    Citi Premier®

    Southwest Priority Card – 50,000 points

    This 50k bonus is the standard offer and it can be paired with a Business card to easily earn a Southwest Companion Pass and BOGO travel for over a year!

    Southwest Priority Card – learn more (my affiliate link)
    • Limited-time offer: earn Companion Pass® good through 2/28/24 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $149 annual fee
    • $75 annual statement credit for Southwest purchases
    • 4 upgraded boardings per year
    • 7500 points per year on your card member anniversary
    • 3x earning on Southwest flights; 2x on local transit, internet, cable, phone services, and select streaming
    • 1,500 Tier Qualifying Points for every $10,000 spent
    • Check your Companion Pass strategy before applying

    Top Personal Credit Card Offers

    While you’re under 5/24, you’ll want to maximize opening Chase cards that interest you. A great way to stay under 5/24 longer is to open business cards. See the business cards further down — but consider Chase personal card offers early on. See all Chase offers here.

    Chase Freedom cards: Earn up to 80,000 points by maximizing bonuses

    If you open this card in the first quarter of 2023, you’ll earn 9 points per dollar on groceries through March 31 (up to $1,500). If you continue to max out your grocery bonus, you’ll have over 80,000 points!

    Chase Freedom Flex℠ – $200 bonus + 5x on groceries
    • $0 annual fee
    • Includes cell phone protection if you pay your bill with the card
    • Rotating categories earn 5x total points each quarter
    • Current promotional also offers 5x on groceries (up to $12,000 in first year)
    • If you have a Sapphire card, you can transfer the Freedom points to the Sapphire card to get all the airline and hotel transfer benefits! If you max out the grocery category, you will earn 80,000 Ultimate Rewards points

    Chase Freedom Unlimited – $200 bonus + 5x on groceries

    • $0 annual fee
    • Earn 1.5% cash back on all spend
    • Current promotional also offers 5x on groceries (up to $12,000 in first year)
    • If you have a Sapphire card, you can transfer the Freedom points to the Sapphire card to get all the airline and hotel transfer benefits!

    IHG Rewards Premier Card: 175,000 points

    This IHG Rewards Premier card has an all time high points offer right now of 175,000 bonus points. If you hold an IHG card, you’ll enjoy a reward night when you redeem points for any stay of 3 or more nights. This card also comes with an annual free night certificate worth up to 40,000 points.

    IHG® Rewards Premier Credit Card – 175,000 points
    • $99 annual fee
    • Earn 175,000 bonus points after spending $3,000 on purchases within the first three months of account opening
    • Reward Night after each account anniversary year at eligible IHG hotels worldwide (worth 40,000 points)
    • 4th night free when you redeem points for any stay of 4 or more nights
    • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
    • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA PreCheck Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • $50 in United TravelBank cash each calendar year

    IHG Rewards Traveler Card: 120,000 points

    This no-fee IHG Rewards card has a high offer of 120,000 bonus points right now. Like all IHG Rewards credit cards, if you hold this card, the 4th night is free you you redeem points for any stay of 4 or more nights. Unlike the IHG Rewards Premier cards, this card does not come with a free anniversary night certificate, but this is a great offer for a no-fee card.

    IHG® Rewards Traveler Card120,000 points
    • No Annual Fee
    • Earn 120,000 bonus points after spending $2,000 on purchases within the first three months of account opening
    • 4th night free when you redeem points for any stay of 4 or more nights
    • Earn up to 17 points total per $1 spent when you stay at an IHG hotel
    • Earn 3 points per $1 spent on purchases on monthly bills, gas stations, restaurants. Earn 2 point per $1 spent on all other purchases

    Delta SkyMiles® Gold American Express Card: 70,000 Bonus Miles

    Delta Skymiles® Gold American Express card
    • Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months
    • $99 annual fee, waived the first year (Terms Apply | Rates & Fees)
    • Free checked bag
    • Priority boarding
    • 2x points on dining, groceries, and Delta purchases
    • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.

    Delta SkyMiles® Platinum American Express Card: 90,000 Bonus Miles

    Delta Skymiles® Platinum American Express
    • Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
    • Annual fee $250 (Terms Apply | Rates and Fees
    • 3x miles on Delta purchases
    • 3x miles on direct hotel purchases
    • 2x on dining and restaurants
    • Priority boarding
    • Free checked bag
    • Trip delay insurance
    • No foreign transaction fees
    • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

    Barclays Aviator Red World Elite MasterCard: 60,000 Miles 

    Earn 60,000 AAdvantage miles by opening this card and making your first purchase in the first 90 days. There is no minimum spend requirement and the annual fee the first year is also waived. This is a great offer if you have a 5/24 slot to spare. In 2023, American is revamping the AAdvantage program and moving to fully dynamic mileage awards.

    AAdvantage® Aviator®  Red World Elite Mastercard®(non affiliate link)
    • $99 annual fee, waived the first year
    • 60,000 miles after making your first purchase in the first 90 days
    • Free checked bag
    • Preferred boarding
    • Get up to $25 back as statement credits on inflight Wi-Fi purchases

    Bank of America Alaska Mileage Plan

    Alaska Mileage Plan – 70,000 miles + $100 statement credit (non-affiliate link)
    • Earn 70,000 bonus miles + $100 statement credit after spending $3,000 in purchases within the first 90 days of account opening
    • $95 annual fee
    • Includes Alaska’s Companion Fare from $122 ($99 fare + taxes and fees from $23)
    • Free checked bag
    • Priority boarding
    • 10% rewards bonus
    • 20% back on all Alaska Airlines inflight purchases and $100 off annual Alaska Airlines lounge membership

    World of Hyatt Credit Card

    This offer is really only worth pursuing the first half of. But I love keeping this card for the annual hotel night certificate. The offer hasn’t changed in a few years so while it isn’t an exciting offer, I keep it on this page because I still think the card is worth getting.

    World of Hyatt – Learn how to apply
    • $95 annual fee
    • 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
    • Provides 1 free night certificate every year on account anniversary (up to a category 4 hotel)
    • If you spend $15,000 per year on the card you will earn an additional free night certificate

    UnitedSM Explorer Card: 60,000 miles

    UnitedSM Explorer Card- 60,000 bonus miles
    • $95 annual fee (waived the first year)
    • 2 guest passes for the United Club lounge
    • Free checked bag for account holder and one companion on the same reservation
    • Free TSA Precheck or Global Entry credit
    • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.

    Earn 70,000 Alaska miles, a $100 statement credit, and Alaska’s Companion Fare by spending $3,000 in the first 90 days. If you regularly fly Alaska, you’ll appreciate the free checked bag and priority boarding. Note that Bank of America is unlikely to approve if you’ve opened more than two cards in 12 months unless you have a checking account with them.

    American Express Membership Rewards Earning Cards

    American Express typically offers its best sign up bonuses through referral links. Sometimes these links need to be opened in a private/incognito browser to get the highest offer.

    Amex Platinum Card 150,000 referral
    The Platinum Card® from American Express – 150,000 point offer (non-affiliate link)

    (not my referral link, this is just the best offer)

    • $695 annual fee (Terms Apply | Rates and Fees), enrollment required for credits
    • Earn 125,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
    • $200 annual airline incidental credit, enrollment required
    • $240 annual digital entertainment credit, enrollment required
    • $100 annual Saks credit, enrollment required
    • $200 annual Uber credit, enrollment required
    • Lounge access to Centurion Lounges and Priority Pass lounges and more, enrollment required
    • Hilton Gold Status, enrollment required
    • Marriott Gold Status, enrollment required
    American Express® Gold Card – 90,000 point offer via referral (non-affiliate link)

    (not my referral link, this is just the best offer)

    • $250 annual fee (Terms Apply | Rates and Fees)
    • Earn 90,000 Membership Rewards® after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
    • $120 total annual Uber credits ($10 per month) and $120 total annual restaurant credits (to certain restaurants, $10 per month), enrollment required
    • 4x earning at restaurants worldwide, including Takeout and Delivery in the U.S.
    • 4x earning at U.S. Supermarkets, on up to $25,000 per calendar year in purchases
    greencard
    American Express Green Card – 45,000 point offer (non-affiliate link)
    • $150 Annual Fee (Terms Apply | Rates and Fees)
    • Earn 45,000 bonus points after spending $2,000 on purchases within the first 6 months of Card Membership
    • $100 CLEAR credit each year
    • $100 LoungeBuddy credit each year
    • 3X points at restaurants, including takeout and delivery in the U.S.
    • 3x points on transit, including trains, buses, ferries, subway, and more
    • 3x points on travel, including airfare, hotels, cruises, tours, car rentals, and more.

    Business Card Offers

    Business cards are an important part of your overall miles and points strategy. That’s because they generally don’t report to credit bureaus so they don’t affect your credit score as much. And you probably qualify for a business card even if you only have a small side hustle like selling old toys on Facebook marketplace.

    Chase Ink Cards:

    Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. The bonuses for the Ink Cash and Ink Unlimited are listed as cash back. But if you have a Chase Sapphire card, you can actually combine the “cash back” points with your Sapphire card. (If you have a Chase Ink Business Premier card you cannot combine the points.) The $750 will give you 75,000 Ultimate Rewards points which you can then transfer to Hyatt. That’s 5 nights at a Category 1 Hyatt…or a night at an all-inclusive!

    Chase Ink Business Unlimited® – Learn how to apply – BEST EVER 90k
    • $0 annual fee
    • Earn $900 after (90,000 points) after you spend $6,000 in 3 months
    • If you have a Sapphire card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!
    • Earn unlimited 1.5% Cash Back rewards on every purchase

    Chase Ink Business Cash® – Learn how to apply – BEST EVER 90k
    • $0 annual fee
    • Earn $900 (90,000 points) after you spend $6,000 in 3 months
    • If you have a Sapphire card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services eacInh account anniversary year.
    Chase Ink Business Preferred® – Learn how to apply
    • $95 annual fee
    • Earn 100,000 Chase Ultimate Rewards Points after you spend $15,000 on purchases in the first 3 months from account opening
    • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services

    Southwest Business Cards

    These card offers haven’t changed in over a year. They make it so easy to get a Southwest Companion Pass. Just pay close attention to your timing when applying if you’re trying to maximize the Companion Pass.

    Southwest Rapid Rewards Performance Business Credit Card – 80,000 point bonus (link shows all SW cards)
    • $199 annual fee
    • TSA Precheck/Global Entry statement credit
    • 4 upgraded boardings per year
    • Free in-flight wifi
    • 1,500 Tier Qualifying Points for every $10,000 spent
    • 4x earning on Southwest flights; 2x on local transit, internet, cable, phone services, and select streaming
    • 9000 points per year on your card member anniversary
    Southwest Premier Business Card
    Southwest Premier Business Card – 60,000 point bonus (link shows all SW cards)
    • $99 annual fee
    • 2 Early Bird Check Ins per year
    • Free in-flight wifi
    • 1,500 Tier Qualifying Points for every $10,000 spent
    • 3x earning on Southwest flights; 2x on local transit
    • 6000 points per year on your card member anniversary

    Delta SkyMiles® Gold Business American Express Card – 75,000 bonus miles

    Delta Skymiles® Gold Business American Express
    • $99 annual fee, waived for the first year (Terms Apply | Rates and Fees)
    • Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
    • Free checked bag
    • New Benefit: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

    Delta SkyMiles® Platinum Business American Express Card – 95,000 bonus miles

    Delta Skymiles® Platinum Business American Express
    • Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
    • Annual fee $250 (Terms Apply | Rates and Fees)
    • 3x miles on Delta purchases
    • 3x miles on direct hotel purchases
    • Annual companion certificate
    • Priority boarding
    • Free checked bag
    • New Benefit: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

    Hilton Honors – 130,000 points

    Hilton Honors Amex Business Card
    The Hilton Honors American Express Business Card – learn more
    • $95 annual fee (Terms Apply | Rates and Fees)
    • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
    • Complimentary Gold status (enrollment required)
    • 10 Priority Pass visits per year
    • Earn 12X at hotels & resorts in the Hilton portfolio. 
    • Earn 6X on U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants. 
    • Earn 3X on all other eligible purchases.

    AAdvantage Aviator World Elite Business Mastercard – 70,000 miles

    Easiest to get approved if you are under 6/24. And generally Barclay will approve a maximum of 1-2 of their cards to you per 12 months.

    AAdvantage® Aviator® World Elite Business Mastercard® – 70,000 miles offer
    • $95 annual fee
    • 70,000 bonus miles after spending $2,000 on purchases in the first 90 days.
    • First checked bag free for you and 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines.
    • Preferred boarding

    JetBlue Business card

    Easiest to get approved if you are under 6/24. And generally Barclay will approve a maximum of 1-2 cards of their cards to you per 12 months.

    JetBlue Business Card – 80,000 bonus points (non affiliate link)
    • $99 annual fee
    • 80,000 bonus miles and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
    • First checked bag free.

    Editorial Disclosure – Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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