10 Best Credit Card Offers For May

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Capital One, Chase, and Citi, and thanks for your support!

Update: Many of these offers are expired or outdated. Please check out the current list of the best travel credit cards.

Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people that ask about which cards they should sign-up for, a question I get on a daily basis. For reference, here is my list of the best credit card sign up bonuses for April.

With that in mind, below are what I consider to be the best credit card sign-up bonuses for this month. Citi really shook things up in April, so we’re continuing to reap the benefits of the improved bonuses they’re offering. With that in mind, here are my top picks:

1. Citi Prestige® Card

Current offer: 50,000 ThankYou points after spending $3,000 within the first three months of cardmembership
Annual fee: $450

Why it’s a great offer: This is one of the hottest credit card sign-up bonuses out there right now. Not only does the card offer a 50,000 point sign-up bonus, but it offers a ton of perks which more than offset the annual fee. This includes a $250 per calendar year airline credit (with your first year’s annual fee you get two of those $250 credits), Admirals Club access, a Priority Pass Select membership, a fourth night free benefit on hotels, a Global Entry fee credit, and much more.

Points can either be transferred to one of the ThankYou airline transfer partners, or otherwise redeemed for travel on American/US Airways at a rate of 1.6 cents each. Personally I value the sign-up bonus at ~$1,350 in rewards the first year.

Redeem Citi Prestige points for 1.6 cents each towards the cost of an American ticket

2. Citi Premier℠ Card 

Current offer: 50,000 ThankYou points after spending $3,000 within the first three months of cardmembership
Annual fee: $0 annual fee for the first 12 months, then $95

Why it’s a great offer: This card has an improved sign-up bonus at the moment, and goes very well with the Citi Prestige® Card, given that points can be pooled. You can redeem points for 1.25 cents towards the cost of aairfare, or points can be transferred to one of the ThankYou Rewards transfer partners. If you want to get both cards, you’ll want to apply for them at least eight days apart, as Citi generally won’t approve more than one application per person within a window of eight days.

Transfer Citi ThankYou points to Singapore KrisFlyer, for travel in Singapore Suites Class

3. Ink Plus® Business Credit Card

Current offer: 50,000 Ultimate Rewards points after spending $5,000 within three months
Annual fee: Introductory Annual Fee of $0 the first year, then $95

Why it’s a great offer: I would argue this is the all around best business credit card out there. The Ink cards have extremely generous category bonuses which help sole proprietorships and small businesses maximize points on everyday credit card spend, including 5x points at office supply stores, and on cell phones, internet, and cable TV, and double points on gas and hotels.

So this is a card that’s good for both for the sign-up bonus and for everyday spend. I value Ultimate Rewards points at 1.5 cents each, so the sign-up bonus is worth $750 to me. It’s worth noting that this card had a limited time increased sign-up bonus until earlier in the week, so this bonus isn’t quite as good as it was then.

4. Chase Sapphire Preferred® Card

Current offer: 40,000 Ultimate Rewards points after spending $4,000 within three months, plus an additional 5,000 Ultimate Rewards points when you add an authorized user to the card that makes a purchase within three months.
Annual fee: $95, waived the first year

Why it’s a great offer: Ultimate Rewards points can be transferred at a 1:1 ratio to Korean Air, United, Hyatt, and many other programs. The card is also great for everyday spend given that it offers double points on dining and travel. I value the sign-up bonus on this card at $675.

5. British Airways Visa Signature® Card

Current offer: 50,000 Avios after spending $2,000 within three months (offer is only available to applicants that haven’t had the card in the last 24 months)
Annual fee: $0 Intro Annual Fee The First Year, Then $95

Why it’s a great offer: British Airways has a distance based award chart which is extremely lucrative for shorthaul travel, as awards start at just 4,500 Avios one-way. Given that short flights are often disproportionately expensive when paying cash, I’ve found Avios to be incredibly useful. You can also earn a British Airways Travel Together ticket for spending $30,000 on the card in a calendar year.

I value British Airways Avios at 1.3 cents each, so to me the sign up bonus is worth ~$650 to me.

Alaska Airlines 737 SeaTac Airport
Redeem Avios efficiently for shorthaul travel on Alaska Airlines

6. Citi® Hilton HHonors™ Reserve Card

Current offer: Two free weekend nights at most Hilton family properties after spending $2,500 within four months of account opening, plus for a limited time receive a $100 statement credit after spending $100 or more on your first hotel stay in the Hilton HHonors portfolio within the first three months of account opening
Annual fee: $95

Why it’s a great offer: These free night certificates are redeemable all the way up to Category 10 properties, potentially making this sign-up bonus worth the equivalent of 190,000 HHonors points. Furthermore, the $100 statement credit after spending $100 or more on your first Hilton stay within three months is limited time and the icing on the cake.

So in terms of buying power, the value of these certificates has hugely increased compared to the buying power of HHonors points. Furthermore you get HHonors Gold status for as long as you have the card, which gets you free breakfast and internet (later this year internet will be free for all HHonors members). As far as I’m concerned those are the two most useful hotel elite benefits, and you get that all for the low annual fee on the card.

Redeem your free weekend nights at the Conrad Koh Samui

7. Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Card from American Express

Current offer: Personal — Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months; Business — 10,000 Starpoints after the first purchase, 15,000 additional Starpoints after spending $5,000 within six months. Terms apply.
Annual fee: $0 introductory annual fee for the first year, then $65

Why it’s a great offer: Starpoints remain the most valuable points currency out there to me, and are a great value for both hotel redemptions and airline mileage transfers. I value Starpoints at 2.2 cents each, so this sign-up bonus is worth $550 to me. American Express also recently improved the terms of the sign-up bonus on the personal card, requiring less spend to earn the sign-up bonus.

Use Starpoints at the W Taipei

8. Barclays Arrival Plus™ World Elite Mastercard®

Current offer: 40,000 miles after spending $3,000 within first 90 days
Annual fee: $89, waived the first year

Why it’s a great offer: Each point can be redeemed for one cent towards the cost of travel, and you get a 10% refund of redeemed miles, making each point worth 1.1 cents. This is also a great card to use in conjunction with award tickets on airlines that levy fuel surcharges, so can be a huge cost-saver. This sign-up bonus is therefore worth $440, and you can earn a pretty great 2.2% cash back towards travel for every dollar spent on the card.

9. Southwest Airlines® Rapid Rewards® Premier Credit Card

Current offer: 50,000 point sign-up bonus after spending $2,000 within three months
Annual fee: $99

Why it’s a great offer: Southwest’s Rapid Rewards program is revenue based, so 50,000 points will get you quite a bit of credit towards travel on Southwest. While Rapid Rewards points aren’t the most aspirational currency, they are extremely practical. This sign-up bonus can be especially valuable if you’re going for Southwest Companion Pass. Furthermore, you receive 6,000 points each year upon your account anniversary.

10. IHG® Rewards Club Select Credit Card

Current offer: Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
Annual fee: $0 introductory annual fee the first year, then $49

Why it’s a good offer: Not only does this card have a very nice sign-up bonus, but it also offered several perks which make the card a keeper long term. That includes an annual free night certificate valid at any IHG property, Platinum elite status for as long as you have the card, and a 10% discount on award redemptions, up to 100,000 points per year. The fact that this card has such a low annual fee makes it even more lucrative.

Anyway, those are my top credit cards based on sign-up bonuses this month. If you have any questions or other cards you think have great sign-up bonuses, let me know in the comments section!

Non-Affiliate Product Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.


  1. I believe there is a typo in the IHG section. “up to 100,000 points per night.” should be per year.

  2. I love how you leave out the United explorer 50k bonus first year free because you don’t get a referral. Not very ethical IMHO.

  3. Haha @Tyler. I was just thinking that as I scrolled down the list: “Uh….where the United card at?”

  4. @Tyler – “because you don’t get a referral.”

    And how would you know why he left the UA card out?

  5. @Pafunco

    you don’t have to fly United when you use their miles.
    the card sign up bonus will get you half way to Europe (on a one way!) in Lufthansa F… so they’ll probably ask you to disembark somewhere in Iceland. 😉

  6. And the Southwest Plus card has the same sign up bonus right now, but with a $30 lower annual fee. So yeah… can’t imagine why the Premier made the list instead.

  7. I agree with Tyler….this list is a little off.

    Lucky – get back to your roots man.. #top

  8. Go to a citi branch and get approved for the prestige with a 350$ annual fee rather than the 450$ online. why wouldn’t you?

  9. @JayP You’d rather have 50K SW points that are only good on, well, SW. Instead of 50K TY Points which are good on SQ, just to save $30? Seriously?

  10. Aha, you meant the Premier SW card, not the City TYP Premier. But if you are going to get the SW Companion pass, you need both the Premier and the Plus card anyway. Have to laugh though about a SW card carrying the name Premier. 🙂

  11. I believe there’s a typo in the first sentence.
    Shouldn’t it read “Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month, available only to residents of the USA.” ??
    This so that the rest of the world doesn’t waste their time clicking on link after link, filling out form after form until they find out they are ineligible because they don’t have a US SSN. Just a thought.

  12. @ haters,
    how would you know Lucky ls not getting referral commission for the united card?
    how do you even know one way or the other?

    before accusing someone of not being ethical, tell us how you arrived at that conclusion.

  13. AJ,
    you failed to mention that citi prestige $350 AF requires a citi gold account.
    so why wouldn’t i go to a branch to apply? may be you have extra $50000 laying around but i don’t.

  14. @steven k- do you see Ben disagreeing? It’s pretty obvious, and the reason I stopped using his links. Being unethical and pushing inferior cc offers is shady IMHO.

  15. Lucky,
    I have already got Citi Premier from your link and now I am interest in Citi Prestige. However, I heard from flyertalk that when you try to redeem though Citi portal, the ticket price is higher than normal so 1.6 cc is not worth compare with price different. detail as follow:

    “I was trying to price a first class LAX-LIH flight. AA’s website and every other travel website had it at $729 nonstop. ThankYou was pricing it at $1400. So I called Citi about it and what I was told was that that is the “discounted rate” that AA is allowing ThankYou to sell it for, which happens to be AA’s Refundable fare.”

    It is only work for economy class
    “However, ThankYou’s economy fares for AA are priced exactly as what you would see on the AA website for non-refundable fares”

    Can you confirm that this is correct information?

    Also, for 4th night benefit, normally my pattern is stay from Thu-Mon which rate on Sunday night quite low.

    Since Citi will be refund on price of your fourth night not on average price, is this benefit really worth in your opinion?

    Thank you!

  16. @ Kittipong — Hmmm, can’t say I’ve had that experience. I haven’t checked flight rates for all dates, but I’ve seen plenty of cases where first class fares are the same through Citi as they are through American directly.

    As far as the fourth night free benefit goes, it is indeed the fourth night free refunded, so it sounds like that might not quite work as much in your favor as for others. So I guess it depends what the alternative is. Ultimately getting a fourth night free is better than not, so I do still think there’s lots of value in the card for you. Especially the first year, given the amount of perks they’re offering.

  17. @ Tyler — Whoops. I do get a referral bonus on the card, for what it’s worth. So not unethical, just an oversight. Sorry about that.

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