10 Best Credit Card Offers For January 2019

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: These offers for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and The World of Hyatt Credit Card have expired. Learn more about the current offers here.


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.

Now that it’s a new year, let’s look at some of the best credit card welcome bonuses that are currently available. Here’s what I consider the 10 best to be:

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. United℠ Explorer Business Card

Current offer: 75,000 MileagePlus bonus miles after spending $5,000 within three months from account opening
Annual fee: $95, waived the first year

Why it’s a great offer: This is the best welcome bonus I ever recall seeing on the card. In addition to the bonus and waived annual fee for the first year, this card offers valuable perks. These include a first checked bag free for you and one companion, two United Club passes per year, priority boarding, and more.

I value United miles at ~1.4 cents each, so to me the welcome bonus is worth ~$1,050.

Redeem United miles for a flight in Polaris

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.

Redeem 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. 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: Not only is the welcome bonus great, but the card also 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 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

6. 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 summer, 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

7. Capital One® Spark® Miles for Business

Current offer: Earn 50,000 Spark miles when you spend $5,000 within the first three months, plus an additional 150,000 Spark miles when you spend $50,000 within the first six months
Annual fee: $95 (waived the first year)

Why you should consider applying: I struggle a little bit with how to value this bonus, given the big spend requirement. However, if you’re a business that spends a fair amount on credit cards, this is an excellent option, as you’d earn a total of 300,000 Spark miles after spending $50,000. Those miles can be redeemed for one cent each towards the cost of a travel purchase, and can also be transferred to select airline programs at a ratio of up to 2:1.5. Note that this increased welcome bonus expires January 28, 2019.

You can now transfer your Spark miles to Etihad Guest

8. Capital One® Spark® Cash for Business

Current offer: Earn $500 cash back when you spend $5,000 within the first three months, plus an additional $1,500 cash back when you spend $50,000 within the first six months
Annual fee: $95 (waived the first year)

Why you should consider applying: This card offers unlimited 2% cash back, and on top of that has an incredible welcome bonus of up to $2,000. So if you spend $50,000 on the card within the first six months you’d earn $3,000 cash back, which is the equivalent of 6% cash back. Note that this increased welcome bonus expires January 28, 2019.

This is one of the best cash back business cards

9. Barclaycard Arrival® Plus World Elite Mastercard® (see terms)

Current offer: Earn 70,000 miles after spending $5,000 on purchases within the first 90 days
Annual fee: $89, waived for the first 12 months

Why you should consider applying: This is an excellent travel card that earns rewards that can be redeemed as cash towards the cost of a travel purchase. You earn two miles per dollar spent, and each mile can be redeemed for one cent towards a travel purchase. In other words, the welcome bonus of 70,000 miles is worth $700 towards travel.

You can redeem Arrival miles towards the cost of a rental car

10. The World of Hyatt Credit Card

Current offer: Earn 25,000 World of Hyatt points after spending $3,000 within the first three months, plus a further 25,000 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 introduced last summer, 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 $655.

Redeem your anniversary free night certificate at the Park Hyatt Saigon

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

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.

Comments

  1. @Lucky I don’t know why I read this article, but I did, and so feel like I should note that not a single AMEX made your top 10. Really, not one? You write that your appreciation for Hilton rewards is growing and you repeatedly call the Aspire ‘to good to be true’. So, where’s that card? Sure the Aspire’s perks are not elevated this month but, ah, your #1 card has been similarly stagnant for about a year right? And your #3 card accrues points to an airline that you routinely savage (for good reason) in your reviews. I guess one could transfer, but that also seems like an odd choice for a top 10. Finally, cards like your #10 and the Ascend are probably good candidates for this list in December/January because they award an extra room night for annual spend based on calendar year. Lists like this can be helpful if they are fair and well considered but this one seems like its on auto-pilot. Just noting because your blog is great and I hope you’ll continue to maintain a stark differentiation between your content and the unfortunate stuff on TPG.

  2. Leaving the wn offers off makes you wonder what Lucky is thinking. The companion pass for a year is worth thousands to many readers.

  3. In the future, can you make a list of 10-best personal credit card offers instead? When only 3 of the 10 offers are for personal cards and you don’t have a business, the list is not terribly useful.

Leave a Reply

Your email address will not be published. Required fields are marked *