The month of January is here already, if you’re looking to earn some extra cash or rewards this year then signing up for a new credit card with a generous signup bonus can be a great way to do so. Check all the credit cards with $5,000 limit guaranteed approval. We have curated a list of a few of the best credit card signup bonuses you can get as of January 2024.
It’s essential to weigh the annual fee, ongoing benefits, and minimum spending necessary to get the bonus when deciding which credit card signup offer to accept. It’s important to note that you don’t forget to pay off your balance in full each month to avoid unnecessary interest fees.
Let’s explore some of the best credit card signup bonus offers currently available in January 2024.
Best Credit Card Signup Bonus Offers in January 2024
Always make sure to read the offer’s terms and conditions before applying. Keep in mind that a higher credit score will improve your chances of getting one of these cards.
1. Chase Sapphire Preferred Card:
The Chase Sapphire Preferred credit card offers significant value during the first year, with a value of $930. The card features a sign-up bonus of 70,000 Ultimate Rewards (UR) Points, which can be earned by spending $4,000 in the first 3 months of card membership. These points have an estimated value of 1.6 cents each.
Additionally, cardholders can take advantage of a $360 travel credit (easily obtained) and a Doordash credit in the first year.
The annual fee for the Chase Sapphire Preferred card is $550 and is not waived for the first year.
2. Capital One Venture Rewards Card:
The card lets you earn 75,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months.
The Capital One Venture Rewards Credit Card offers a high first-year value of approximately $1,105. Also, offers a sign-up bonus of 75,000 Capital One (C1) Points, which can be earned by spending $4,000 in the first 3 months of card membership. These points have an estimated value of 1.6 cents each and can be used for a wide variety of travel expenses.
The Capital One Venture Rewards Credit Card has an annual fee of $95 which is not waived for the first year.
3. Platinum Card from American Express:
The card lets you earn 150,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 6 months of Card Membership.
The Platinum Card from American Express offers an impressive first-year value of approximately $2,365. The card offers a sign-up bonus of 150,000 Membership Rewards (MR) Points, which can be earned by spending $6,000 in the first 6 months of card membership. Again, even these points have an estimated value of 1.6 cents each.
Additionally, Platinum cardholders can take advantage of up to $420 (estimated value) in various credits twice in the first year, including $200 for airline incidentals and $200 for hotel credit (actual values estimated at 60% of face value) and $300 (estimated value) in various credits once in the first year, including $200 for Uber credit and $100 for Saks credit (actual values estimated at 60% of face value).
The Platinum Card from American Express card has an annual fee of $695 which is not waived for the first year.
4. Citi Premier Card:
Citi Premier Card lets you earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
The Citi Premier Card offers a solid first-year value of approximately $865. This card features a sign-up bonus of 60,000 ThankYou Points (TYP), which can be earned by spending $4,000 in the first 3 months of card membership. These points too have an estimated value of 1.6 cents each.
The card has an annual fee of $95 which is not waived for the first year.
5. Discover it Cash Back Card:
Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
The Discover it Cash Back credit card offers a unique feature of matching all the cash back earned at the end of the first year. Additionally, the card has a 0% introductory APR for 15 months on purchases. After the initial period, the regular APR is 16.24% – 27.24% variable.
There is no foreign transaction fee for this card and an introductory balance transfer fee of 3%, with a potential fee of up to 5% on future balance transfers.
6. Hilton Honors American Express Card:
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
Hilton Honors American Express Card gets you a Silver Status automatically. There won’t be foreign transaction fees. After spending $20,000 on purchases in a calendar year, upgrade to Gold Status until the end of the following calendar year.
Also, the card lets you earn Hilton Honors Bonus Points for every eligible purchase made with the card. You can earn 7X Bonus Points at Hilton hotels, 5X Bonus Points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets, & 3X Bonus Points on all other eligible charges.
7. Marriott Bonvoy Brilliant American Express Card:
The Marriot Bonvoy Brilliant is an exception! The card lets you earn 95,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months.
The Marriott Bonvoy Brilliant® American Express® Card offers a variety of benefits for cardholders. Each calendar year, you can receive up to $25 in statement credits for eligible purchases made at restaurants worldwide.
Moreover, you will receive a Free Night Award each year after your card renewal month. This award can be used for one night at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris; certain hotels may, however, have resort fees.
Furthermore, you can receive up to $100 in property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book directly using a special rate for a 2-night minimum stay.
The card has a variable APR on purchases of 19.99% to 28.99%. Cardholders can earn 6X points on eligible purchases at hotels participating in Marriott Bonvoy®, 3X points at restaurants worldwide, and 3X points on flights booked directly with airlines.
8. United Explorer Card:
United Explorer Card has a couple of lucrative signup bonuses. Earn up to 100,000 bonus miles. Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 50,000 bonus miles after you spend $10,000 total on purchases in the first 6 months.
The United Explorer Card card lets you Earn:
- 4 miles for every dollar spent on United purchases
- 2 miles for every dollar spent on dining
- 1 mile for every dollar spent on all the other purchases
The United Explorer Card has an annual fee of $525.
9. Gold Delta SkyMiles® Credit Card from American Express:
With the Gold Delta SkyMiles® Credit Card Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months.
Get your first checked bag for free on Delta flights. Earn double miles when you dine in or order takeout and delivery from restaurants in the U.S. Earn 2 miles per dollar on eligible purchases made directly with Delta.
Receive a $100 Delta Flight Credit for future travel after spending $10,000 in purchases on your card in a calendar year. Save $50 on your flight cost for every 5,000 miles you redeem with Pay with Miles when booking on delta.com.
Plus, enjoy no additional fees on purchases made abroad when you travel internationally.
10. Chase Ink Business Preferred Credit Card:
Finally, the Chase Ink Business Preferred Credit Card, one of our favorites! Let’s you earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1250 toward travel when you redeem through Chase Ultimate Rewards.
- Earn 3 points for every $1 spent on the first $150,000 on combined purchases in categories such as shipping, advertising on social media and search engines, internet, cable and phone services, and travel, each account anniversary year.
- Earn unlimited 1 point for every $1 spent on all other purchases. Points do not expire as long as your account is open.
- Earn 3X points on shipping and select business categories. APR ranges from 20.24% to 25.24%, variable.
The annual fee for the Chase Ink Business Preferred Credit Card is $95 and is not waived for the first year.
