10 Best Credit Card Offers For September 2018

Update: This offer for the Citi ThankYou® Premier Card has expired. Learn more about the current offers here.


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Every month I make a post with what I consider to be the best credit card 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 welcome 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 who ask about which cards they should apply for, a question I get on a daily basis.

This has been a great year for new credit cards being introduced, and many of them have hot welcome bonuses. With that in mind, below are what I consider to be the 10 best right now:

1. Ink Business Preferred℠ Credit Card

Current offer: 80,000 Ultimate Rewards points after spending $5,000 within three months from account opening
Annual fee: $95

Why it’s a great offer: The Ink cards have extremely generous category bonuses that help sole proprietorships and small businesses maximize points on everyday credit card spend. This card offers 3x points on the first $150,000 spent annually in combined purchases on travel, shipping, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

So this is a card that’s good for both for the welcome bonus and for everyday spend. I value Ultimate Rewards points at ~1.7 cents each, so to me the welcome bonus is worth $1,265 after subtracting the annual fee.


Redeem Ultimate Rewards points for a stay at the Park Hyatt Milan

2. Citi ThankYou® Premier Card

Current offer: Earn 60,000 ThankYou points after spending $4,000 within the first three months
Annual fee: $95, waived the first year

Why you should consider applying: This is the best ever welcome bonus we’ve seen on this card. Points earned on this card can be redeemed for 1.25 cents each towards the cost of an airline ticket, making the welcome bonus worth a minimum of $750. Alternatively points can be transferred to any of the ThankYou airline and hotel partners, potentially allowing you to get even more value out of the points.

The card also offers a great return on spend, as it offers triple points on travel and gas, and double points on dining and entertainment. That makes it one of the most well rounded mid-range credit cards. Now is the best time to apply for it, given the incredible bonus it has.

I value ThankYou points at ~1.7 cents each, so to me the welcome bonus is worth $1,020.


Redeem Citi ThankYou points for travel in Singapore Airlines business class

3. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Current offer: Earn 70,000 American AAdvantage miles after spending $4,000 within the first four months
Annual fee: $99, waived the first year

Why you should consider applying: We’ve never seen bigger publicly available welcome bonuses on this card, and it’s only available for a limited time. I value American miles at ~1.3 cents each, so to me the welcome bonus is worth $910.

Furthermore, the card comes with several perks that could make it worth holding onto, including free checked bags, priority boarding, etc.


R
edeem American AAdvantage miles for travel in the Etihad A380 Apartment

4. Chase Sapphire Preferred® Card

Current offer: 50,000 Ultimate Rewards points after spending $4,000 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 Singapore, 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 welcome bonus on this card at $850.


Redeem Ultimate Rewards points for the Park Hyatt Maldives

5. The Business Gold Rewards Card from American Express OPEN 

Current offer: Earn 50,000 Membership Rewards points after spending $5,000 within the first three months
Annual fee: $175, waived the first year

Why you should consider applying: This is one of the best small business cards out there in terms of the bonus points it offers, given that you earn bonus points in the following five categories:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

You can pick in which category you want to earn 3x points, and then in the other four categories you earn 2x points.

On top of that, this is a fantastic welcome bonus for a card that doesn’t have an annual fee the first year. I value Membership Rewards points at ~1.7 cents each, so to me the welcome bonus is worth $850.

ANA First Class
Redeem Amex points for travel in ANA first class

6. Ink Business Cash℠ Credit Card

Current offer: 50,000 points after spending $3,000 within three months
Annual fee: no annual fee

Why it’s a great offer: This welcome bonus was recently introduced, and is a big improvement over the previous one. Not only is the welcome bonus great, but the card also offers 5x points in useful categories, and points can be pooled with the Ultimate Rewards points earned on cards like the Chase Sapphire Reserve® CardChase Sapphire Preferred® Card, and Ink Business Preferred℠ Credit Card. Assuming you have this card in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonus on this card at $850.


Redeem Ultimate Rewards points for travel in Singapore Airlines Suites

7. Ink Business UnlimitedSM Credit Card

Current offer: 50,000 points after spending $3,000 within three months
Annual fee: no annual fee

Why it’s a great offer: This card was introduced last month, and offers a fantastic return on everyday spend and a great welcome bonus. Points earned on this card can be pooled with the Ultimate Rewards points earned on cards like the Chase Sapphire Reserve® CardChase Sapphire Preferred® Card, and Ink Business Preferred℠ Credit Card. Assuming you have this card in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonus on this card at $850.


Redeem Ultimate Rewards points for stays at the Park Hyatt Sydney

8. The World of Hyatt Credit Card

Current offer: Earn 40,000 World of Hyatt points after spending $3,000 within the first three months, plus a further 20,000 points after spending a total of $6,000 within the first six months
Annual fee: $95

Why you should consider applying: This credit card was just recently introduced, and is fantastic. It offers an anniversary free night certificate, a further free night certificate when you spend $15,000 on the card in a cardmember year, five elite qualifying nights just for having the card, a further two elite nights for every $5,000 spent on the card, and some unique bonus categories.

I value World of Hyatt points at 1.5 cents each, so to me the bonus is worth $805.

Redeem your anniversary free night certificate at the Park Hyatt Saigon

9. Starwood Preferred Guest® Business Credit Card from American Express

Current offer: 100,000 points after spending $5,000 within the first three months; expires October 31, 2018
Annual fee: $95 (waived the first year)

Why you should consider applying: I value Marriott points at 0.8 cents each, so to me this welcome bonus is worth $800. The card offers several other long term perks, including an anniversary free night certificate valid at a property costing up to 35,000 points per night, 15 elite nights towards status annually, and more.


Redeem Marriott points at the St. Regis Maldives

10. Southwest Rapid Rewards® Premier Business Credit Card

Current offer: Earn 60,000 bonus Rapid Rewards points after spending $3,000 within three months
Annual fee: $99

Why it’s a great offer: A 60,000 point welcome bonus is as good as it gets on Southwest credit cards. Rapid Rewards points can be redeemed for ~1.3 cents each towards the cost of a ticket. That means that 60,000 points can potentially get you up to $780 towards airfare on Southwest. Furthermore, these cards are great in helping you earn points towards Companion Pass, which is one of the most valuable perks in domestic travel.


60,000 points will get you a lot of travel on Southwest

If you have any questions or other cards you think have great welcome bonuses, let me know in the comments section!

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Comments

  1. Can you please separate out the credit card posts for personal and business owners? Most cards here are for business owners, I’m fairly certain most your reader’s aren’t

  2. I’m ready to go LOL/24 but I’ve basically had every card you have on your list, and am unable to benefit from any bonuses now that they are tightly restricted…. Sigh…

  3. Anirban you can easily get a business card even if you don’t “own” a business. Many day-to-day activities can qualify you for a business card, such as selling a few items on ebay.

    With that being said, I am shocked there is no mention of the Barclays AA Business card. 60k bonus for one purchase + paying the $95 annual fee. Combined with the same bonus on the personal card last winter, and that was the easiest 120k AA miles ever.

  4. I too am curious about people’s experiences applying for these business cards when you don’t really have a “business”. I think everyone’s sold something on eBay or Craigslist at some point, but how closely do the banks assess whether you’re a candidate for a business card?

  5. Anybody know if there are any limits on receiving the 80k bonus from the ink preferred? I applied initially when the card came out, then cancelled it after a year. Am I eligible to get the bonus again?

    Looking to get out of csr, move to amex blue/gold/platinum, but need a transferable card to stash my ur points.

  6. Lucky,
    Does the Ink Preferred have a limit to when you last opened/closed an account in order to qualify for a bonus by opening another one? I opened when it was introduced, cancelled less than a year later. Can I open another one now? Would I have to be under 5/24 personally or business wise?

    I’m planning to get out of CSR now that the Amex Gold will offer 4x dining. Probably will open Blue Business too to get the 2x everything and only use Chase for travel. Looking for a place to stash my transferrable points, so it’s between this or the CSP, but I can’t do the CSP since I opened it two years ago. I haven’t opened more than 5 business cards in the last 24 months, but I have opened more than 5 personal cards.

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