15 Best Credit Card Offers April 2021

Filed Under: American Express, Chase
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Every month I make a post with what I consider to be the best credit card offers at the time, with a particular focus on the best travel credit cards.

It’s 2021, and for many of us there’s a sense of hope. Within days all American adults will have access to vaccines, and it’s looking like summer isn’t totally canceled. That’s exciting, and it’s a great reason to start getting your points earning strategy in order, so you’re ready to plan your dream trip when the time is right.

While there are several excellent long-standing credit card offers, the specifics of the top offers are constantly changing (be it the annual fee, minimum spending 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.

Why You Should Care About Credit Card Offers

Simply put, when the time is right, most people want to travel better, but don’t know how. One of the best ways to improve your travel experience is to pick up an excellent credit card that can add value to you.

After all, doesn’t this…

Etihad’s 787 business class

…look better than this?


Etihad’s 787 economy class

This is more true in the coronavirus era than ever before, given that more space has become the ultimate luxury.

When applying for a credit card, consider three main points:

  • The bonus — how many points can you earn for signing up for the card and completing some amount of spending; this typically ranges from a single purchase to several thousand dollars
  • The rewards structure — pick a credit card that offers bonus points in the categories you spend the most on, whether that’s dining or groceries or gas or airfare
  • The perks — some cards offer perks that more than justify the annual fee, even if you don’t spend money on the card; for example, there are hotel credit cards with sub-$100 annual fees that offer annual free night certificates that can be redeemed at hotels that cost $300+ per night

There are so many credit cards worth having

In this post I’m focusing primarily on the welcome bonuses, which can be one of the best ways to get rewarded quickly. Often a good credit card bonus will be enough to earn you an international ticket in first or business class, which many would otherwise assume is off limits.

15 Best Credit Card Offers April 2021

Let’s look at some of the best credit card welcome bonuses that are available this month. Here’s what I consider the 15 best to be:

1. Ink Business Preferred® Credit Card

Current offer: 100,000 Ultimate Rewards points after spending $15,000 within three months
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 spending. 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.

This is a card that’s good for both for the welcome bonus and for everyday spending. I value Ultimate Rewards points at ~1.7 cents each, so to me, the welcome bonus is worth $1,605 after subtracting the annual fee.

Learn more about the Ink Business Preferred.

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

2. Chase Sapphire Preferred® Card

Current offer: 80,000 Ultimate Rewards points after spending $4,000 within three months, plus up to $50 in statement credits towards grocery store purchases within your first year from account opening
Annual fee: $95

Why it’s a great offer: This is a new best-ever bonus on the card, which is all the more reason to pick it up right now. 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 spending given that it offers double points on dining and travel. I value the welcome bonus on this card at $1,315.

Learn more about the Chase Sapphire Preferred.

Redeem Ultimate Rewards points for the Park Hyatt Maldives

3. New United Quest℠ Card

Current offer: Up to 100,000 United MileagePlus miles — earn 80,000 bonus miles after spending $5,000 within three months, and earn a further 20,000 bonus miles after spending a further $5,000 within six months
Annual fee: $250

Why it’s a great offer: This is a brand new card with a phenomenal value proposition. In addition to a huge welcome bonus, the card offers valuable perks like a $125 annual United credit, up to 10,000 MileagePlus miles back annually when you redeem miles, and all kinds of perks when flying United. I value United MileagePlus miles at 1.4 cents each, so to me the bonus miles on this card are worth up to $1,400.

Learn more about the United Quest Card.


Redeem MileagePlus miles for travel in SWISS business

4. The Platinum Card® from American Express

Current offer: 75,000 Membership Rewards points after spending $5,000 within six months, plus 10x Membership Rewards points on the first $15,000 spent in the first six months on U.S. groceries and U.S. gas stations
Annual fee: $550 (Rates & Fees)

Why it’s a great offer: Not only is the Amex Platinum offering a welcome bonus of 75,000 points, but you can also earn 10x points in popular categories, which I value at an incredible 17% return on spending. The Amex Platinum is a perks-rich card, offering a $200 annual airline fee credit, $200 annual Uber credit, $100 annual Saks credit, lounge access, and so much more. The card is even offering great limited-time perks in light of the reduced demand for travel.

Learn more about the Amex Platinum Card.

Access Amex Centurion Lounges with the Amex Platinum

5. Ink Business Cash® Credit Card & Ink Business Unlimited® Credit Card

Current offer: 75,000 points after spending $7,500 within three months
Annual fee: no annual fee

Why it’s a great offer: While these are two different cards, they have the same sign-up bonuses (which were recently increased) and both don’t have an annual fee, so I’ll cover them in the same section here. The Ink Cash offers 5x points in useful categories (on the first $25,000 spent per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines), and the Ink Unlimited offers 1.5x points on all purchases.

For both cards, 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 one of these cards in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonuses on these cards at $1,275 each.

Learn more about the Ink Business Cash, learn more about the Ink Business Unlimited.

Redeem Ultimate Rewards points for travel in Singapore Airlines Suites

6. UnitedSM Business Card

Current offer: 75,000 MileagePlus miles after spending $5,000 within three months
Annual fee: $99, waived the first year

Why it’s a great offer: This card is offering an excellent bonus with the annual fee waived the first year. On top of that the card offers some great perks for holding onto it, like two United Club passes annually, a free first checked bag, priority boarding, savings on inflight purchases, and more. I value United MileagePlus miles at 1.4 cents each, so to me the welcome bonus on this card is worth $1,050.

Learn more about the United Business Card.

Redeem MileagePlus miles for travel in United Polaris

7. Citi Premier® Card

Current offer: 60,000 ThankYou points after spending $4,000 within three months
Annual fee: $95

Why it’s a great offer: This is an often overlooked mid-range transferable points card. It has excellent bonus categories, as it offers 3x points on gas, dining, groceries, air travel, and hotels, and the card also offers up to a $100 annual hotel credit. I value Citi ThankYou points at 1.7 cents each, so to me the welcome bonus on this card is worth $925.

Learn more about the Citi Premier Card.

Redeem your ThankYou points for travel on EVA Air

8. American Express® Business Gold Card

Current offer: 70,000 Membership Rewards points after spending $10,000 within three months
Annual fee: $295 (Rates & Fees)

Why it’s a great offer: In addition to a great welcome bonus, this is also one of the best Amex business cards for earning Membership Rewards points, given the 4x points categories. I value the welcome bonus at up to $895, factoring in the points and deducting the annual fee.

Learn more about the Amex Business Gold.

Amex points rack up quickly with the Amex Business Gold

9. Capital One Venture Rewards Credit Card

Current offer: Up to 100,000 Venture miles — earn 50,000 Venture miles after spending $3,000 within three months, plus a further 50,000 Venture miles after spending a total of $20,000 within the first 12 months
Annual fee: $95

Why it’s a great offer: The Capital One Venture Card is offering a big new limited time bonus, which is among the best we’ve seen on the card. This is one of the most straightforward and rewarding travel credit cards out there, and it offers some great perks as well. I value Capital One Venture miles at 1.1 cents each, so to me the welcome bonus on this card is worth $1,100.

Learn more about the Capital One Venture Card.

Redeem your Venture miles for travel in Emirates first class

10. Southwest Rapid Rewards® Performance Business Credit Card

Current offer: 80,000 Rapid Rewards points after spending $5,000 within three months
Annual fee: $199

Why it’s a great offer: The Southwest Performance Card has a huge welcome bonus with a fairly reasonable spending requirement. This card offers lots of fantastic long term perks, including anniversary bonus points, free Wi-Fi on Southwest, upgraded boardings, and more. I value Southwest Rapid Rewards points at 1.3 cents each, so to me the welcome bonus on this card is worth $841.

Learn more about the Southwest Performance Business Card.

Earn Southwest Companion Pass more easily with this card offer

11. American Express® Gold Card

Current offer: 60,000 Membership Rewards points after spending $4,000 within six months
Annual fee: $250 (Rates & Fees)

Why it’s a great offer: The Amex Gold was recently refreshed and has a bonus of 60K points, which is among the best offers we’ve seen on the card. Not only does it offer up to 4x Membership Rewards points on dining and at U.S. supermarkets, but the card also offers up to a $120 annual dining credit, and Uber Cash & Uber Eats benefits.

Learn more about the Amex Gold Card.

The Amex Gold offers multiple Uber benefits

12. Marriott Bonvoy Brilliant™ American Express® Card

Current offer: With this limited time offer through May 12, 2021, earn 125,000 Marriott Bonvoy points after spending $5,000 within three months, plus $200 back in statement credits on eligible purchases at U.S. restaurants within the first six months
Annual fee: $450 annual fee (Rates & Fees)

Why it’s a great offer: The Marriott Bonvoy Brilliant is a card that I have and find to be worthwhile. While there’s some sticker shock to the annual fee, the card offers a $300 annual Marriott credit that’s good as cash to me, and also offers an anniversary free night certificate valid at a property costing up to 50,000 Bonvoy points per night.

Learn more about the Marriott Bonvoy Brilliant Card.

The Bonvoy Brilliant Card offers a $300 annual Marriott credit

13. Delta SkyMiles Gold American Express Card & Delta SkyMiles® Gold Business American Express Card

Current offer: With these limited time offers through April 28, 2021, you can earn 70,000 bonus SkyMiles after spending $2,000 within three months; the business version of the card also offers a $50 statement credit upon reaching that spending requirement
Annual fee: $99 annual fee that’s waived for the first 12 months (Rates & Fees) (Rates & Fees)

Why it’s a great offer: These are some fantastic limited time bonuses, especially given that the annual fee is waived for the first year. With Delta’s Pay With Miles feature, miles can be redeemed for a minimum of one cent each towards the cost of a Delta purchase. These cards also offer great perks when flying Delta, like preferred boarding, a free checked bag, and more. I value the welcome bonuses on the personal card at a minimum of $700, and the welcome bonus on the business card at a minimum of $750.

Learn more about the Delta Gold Amex Card.

70,000 SkyMiles can get you at least $700 worth of travel on Delta

14. Delta SkyMiles Platinum American Express Card & Delta SkyMiles® Platinum Business American Express Card

Current offer: With these limited time offers through April 28, 2021, you can earn 90,000 bonus SkyMiles after spending $3,000 within three months; the business version of the card also offers a $100 statement credit upon reaching that spending requirement
Annual fee: $250 annual fee (Rates & Fees) (Rates & Fees)

Why it’s a great offer: The Delta Platinum Amex offers some fantastic perks for travel on Delta, including a companion certificate, which will more than justify the annual fee for many. The card is also offering one of the best bonuses we’ve ever seen on the card, which is another reason to pick it up. I value the welcome bonuses on the personal card at a minimum of $650, and the welcome bonus on the business card at a minimum of $750, after factoring in the annual fee.

Learn more about the Delta Platinum Amex Card.

Get a companion certificate with the Delta Platinum Amex

15. IHG® Rewards Club Premier Credit Card

Current offer: Earn 125,000 bonus IHG Rewards Club points plus a free night reward (valid at a property costing up to 40,000 points) after spending $3,000 within three months
Annual fee: $89 annual fee

Why it’s a great offer: This card is offering an exceptional new welcome bonus, and there are so many perks that make this card worth holding onto long term. The card offers an anniversary free night certificate, fourth night free on award redemptions, IHG Platinum status for as long as you have the card, and so much more.

Learn more about the IHG Premier Card.

This card is extremely valuable for IHG stays

Rules Of Applying For Credit Cards

Before applying for cards, makes sure you’re aware of the rules each bank has for credit card applications.

One of the common misconceptions people have is that they think applying for credit cards will hurt their credit. The opposite is largely true, actually. Assuming you use your credit responsibly (and make payments on time, don’t utilize too much of your credit, etc.), applying for credit cards can actually help your credit.

Lastly, if you are going to apply for credit cards, make sure you do so responsibly — only apply for them if you have self-control and won’t end up in debt, and try to pay your balance in full every month, or else the finance charges will negate any rewards earned.

Best Credit Cards Summary

The above are just some of the best credit card offers out there right now, though there are so many others to choose from.

If you’re already into miles & points but don’t have some of the above cards, consider applying. If you’re new to miles & points, now is the time to get started (and I think something like the Chase Sapphire Preferred, Citi Premier® Card, or American Express® Gold Card, are great options to start).

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees), American Express® Gold Card (Rates & Fees), Delta SkyMiles® Gold Business American Express Card (Rates & Fees), Delta SkyMiles® Gold American Express Card (Rates & Fees), Delta SkyMiles® Platinum Business American Express Card (Rates & Fees), The Platinum Card® from American Express (Rates & Fees), Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees), and Delta SkyMiles® Platinum American Express Card (Rates & Fees).

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