Credit Card Bonuses & Promotions – January 2022

Find the credit card bonuses, sign-up offers, and promotions.

You can earn hundreds or thousands of dollars worth in cash, points, and miles. Typical bonus amounts from $100, $200, $300, $400, $500, up to $1,000+ bonus value.

We have a full list of credit card deals from Chase, American Express, Capital One, Citi, Wells Fargo, and others. Some of the offers are only available for a limited time.

Guide To Credit Card Bonuses

• Personal and business travel credit cards give out the highest bonus values.
• Co-branded airline and hotel cards are more restrictive for redeeming rewards.
• Travel rewards cards offer greater redemption flexibility.
• Cash back cards have great welcome bonuses. They are more straightforward for earning and redeeming cash back.
• Introductory offers have various requirements to earn the bonus, usually within the first 90 days.
• There’s usually a minimum spending amount on purchases to earn the bonus.
• Redemption options for miles and points include statement credits, travel, gift cards, and other rewards program.
• It’s vital to know the value you’re receiving with points/miles – see our points/miles valuation guide here.

Here’s a round-up of current credit card promotions below.

Best Consumer (Personal) Credit Card Bonuses

Chase Sapphire Preferred® Card

Chase Sapphire Preferred Card Learn More About This Card

• Intro Offer:
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards.
• Ongoing rewards:
  • 5X points on travel purchased through Chase Ultimate Rewards
  • 3X points on dining
  • 3X points on select streaming services and online grocery purchases
  • 2X points on all other travel purchases
  • 1X point per $1 spent on all other purchases
• Annual Fee: $95

Chase Sapphire Reserve®

Chase Sapphire Reserve Learn More About This Card

• Intro Offer:
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards.
• Ongoing rewards:
  • 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
  • 5X total points on air travel
  • 3X points on other travel and dining
  • 1 point per $1 spent on all other purchases
• Annual Fee: $550

Chase Freedom Unlimited^® card

Chase Freedom Unlimited Learn More About This Card

• Intro Offer:
  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
• Ongoing rewards:
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards(R), 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No Annual Fee

Chase Freedom Flex^SM

Chase Freedom Flex Learn More About This Card Here

• Intro Offer:
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Ongoing rewards:
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all other purchases.
• No Annual Fee

Citi Custom^SM Cash Card

Citi CustomSM Cash Card Learn More About This Card

• Intro Offer:
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Ongoing rewards:
  • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
  • 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• Annual Fee: $0

American Express® Gold Card

American Express® Gold Card Learn More About This Card

• Intro Offer:
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
• Ongoing rewards:
  • 4X Membership Rewards® points when you dine at restaurants worldwide.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• Annual Fee: $250

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express Learn More About This Card

• Intro Offer:
  • Earn $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
• Ongoing rewards:
  • Earn 6% Cash Back on select U.S. streaming subscriptions.
  • Earn 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses & more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 3% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
• Annual Fee: $0 introductory annual fee for one year, then $95.

Business Credit Card Bonuses & Promotions

If you have a side business such as selling on eBay, Craigslist, or do freelance work, then your business is called sole proprietorship. Simply use your name as business ID and Social Security number as tax ID.

See our list of the latest business bonuses and promotions to find the best account suited for you and your business. See our list of business credit cards.

Chase Ink Business Preferred^SM Card

Chase Ink Business Preferred Card Learn More About This Card

• Intro Offer:
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Ongoing rewards:
  • 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines.
  • 1 point per $1 on all other purchases
• Annual Fee : $95

Chase Ink Business Cash^SM Card

Chase Ink Business Cash Card Learn More About This Card

• Intro Offer:
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
• Ongoing rewards:
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash rebate on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other card purchases with no limit to the amount you can earn
• No Annual Fee

Chase Ink Business Unlimited^SM Credit Card

Ink Business Unlimited Credit Card Learn More About This Card

• Intro Offer:
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
• Ongoing rewards:
  • Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
• No Annual Fee

United^SM Explorer Business Card

United Business Card Learn More About This Card

• Intro Offer:
  • Earn up to 150,000 bonus miles.
  • Earn 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Earn an additional 75,000 miles after you spend $20,000 total in the first 6 months.
• Ongoing rewards: 2X miles per $1 at restaurants (including eligible delivery services), gas stations, office supply stores, and United purchases & and 1 mile per $1 on all other purchases.
• Annual Fee: $0 introductory annual fee for the first year, then $99.

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card Learn More at American Express

• Intro Offer:
  • Earn 60,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
• Ongoing rewards:
  • 3 Miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
• Annual Fee: $250 annual fee (See Rates & Fees)

American Express Blue Business Cash^TM Card

American Express Blue Business CashTM Card Learn More at American Express American Express is an advertising partner of HustlerMoneyBlog.

• Intro Offer:
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0% intro APR on purchases and balance transfers for 12 months
• Ongoing rewards:
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• No Annual Fee (See Rates & Fees)

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express Learn More at About This Card

• Intro Offer: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• Ongoing rewards:
  • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Membership Rewards points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • 1X points for each dollar you spend on eligible purchases
• Annual Fee: $695 (See Rates & Fees)

Marriott Bonvoy Business^TM American Express Card

Marriott Bonvoy BusinessTM American Express® Card Learn More at American Express

• Intro Offer:
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
  • Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
• Ongoing rewards:
  • 6x points at hotels participating in the Marriott Bonvoy^TM program
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and
  • 2x points on all other eligible purchases.
• Annual Fee: $125 (See Rates & Fees)

Hilton Honors American Express Business Card

Hilton Honors American Express Business Card Learn More at American Express

• Intro Offer:
  • Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
• Ongoing rewards:
  • 12X at hotels and resorts in the Hilton portfolio,
  • 6X on Select Business & Travel Purchases,
  • 3X on all other eligible purchases.
• Annual Fee: $95 (see Rates & Fees)

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card Learn More at American Express

• Intro Offer:
  • Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
• Ongoing rewards:
  • 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants.
  • 1 Mile on every eligible dollar spent on purchases.
• Annual Fee: $0 Introductory Annual Fee for the First Year, then $95. (See Rates & Fees)

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card Learn More at American Express

• Intro Offer:
  • Earn 60,000 bonus miles, 10,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
• Ongoing rewards:
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
• Annual Fee: $550 (See Rates & Fees)

Credit Cards Bonuses Recap

More Credit Cards Bonus Offers

Chase Bank Coupon Promo Codes $100, $200, $225, $300, $350, $500, $725, $1000, $2000 for January 2022

Huntington Bank Promotions: $100, $300, $400, $750 Checking Bonuses for January 2022

HSBC Bank Promotions: $200, $240, $450, $500, $600, $2,000 Checking Bonuses for January 2022

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