Editor’s word: This can be a recurring put up, repeatedly up to date with new data and affords.
Nothing is extra disappointing than making use of for a card, solely to study that you can have held out a bit longer to get a greater welcome provide — particularly since many banks received’t match you to that higher bonus after you’ve already utilized.
It occurs to the very best of us. In fact, all of us need to guarantee we’re discovering the very best affords, and the title of this recreation is timing. Whereas it’s unattainable to foretell if or when issuers will convey again these greater affords, it helps to know the context to make the absolute best educated guess.
On this information, we’ll have a look at 10 well-liked journey bank cards, monitoring their affords from the previous a number of years. We’ll additionally examine these affords to the present bonuses and supply perception into how one can constantly discover the very best welcome affords.
Chase Sapphire Most well-liked Card
The Chase Sapphire Most well-liked Card is without doubt one of the hottest journey rewards playing cards for 3 essential causes: affordability, flexibility and worth.
In 2021, the issuer launched an unprecedented 100,000-point sign-up bonus lasting 4 months. Other than this and a few 80,000-point affords, the Sapphire Most well-liked’s commonplace provide is a 60,000-point bonus, price $1,200, in keeping with TPG’s newest valuations.
| Approximate date | Provide | Worth* |
|---|---|---|
| Might 2023 to now. | Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. | $1,200. |
| April to Might 2023. | Earn 80,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. | $1,600. |
| March to Might 2023. (in-branch solely). | In-branch solely: Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. Plus, earn a further 10,000 bonus factors after spending $6,000 whole on purchases made within the first 6 months. | $1,800. |
| June 2022 to March 2023. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| April to Might 2022. | Earn 80,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. | $1,600. |
| October 2021 to April 2022. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| June to October 2021. | Earn 100,000 bonus factors after spending $4,000 within the first three months of account opening. | $2,000. |
| March to June 2021. | Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. Plus, earn a $50 assertion credit score on grocery retailer purchases. | $1,650. |
| November 2020 to March 2021. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| September to November 2020. | Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,600. |
| March 2019 to September 2020. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| 2017 to March 2019. | Earn 50,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,000. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Should you see a proposal of 80,000 factors on the Sapphire Most well-liked, it’s best to soar on it. 60,000 factors seems to be the usual provide nowadays.
For extra particulars, take a look at our full overview of the Chase Sapphire Most well-liked.
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Chase Sapphire Reserve
Whereas the Chase Sapphire Most well-liked tends to come back with various affords all through the calendar yr, the Chase Sapphire Reserve has remained far more steady over time.
This premium journey card first launched in August 2016 with a worthwhile 100,000-point welcome provide. Since then, the very best provide we’ve seen has been 80,000 factors in late 2022.
| Approximate date | Provide | Worth* |
|---|---|---|
| December 2022 to now. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| October to November 2022. | Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,600. |
| June to October 2022. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| October 2021 to June 2022. | Earn 50,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,000. |
| June to October 2021. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,200. |
| March 2017 to June 2021. | Earn 50,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,000. |
| August 2016 to March 2017. | Earn 100,000 bonus factors after spending $4,000 within the first three months of account opening. | $2,000. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: By way of bonuses, 80,000 factors may be the very best you’ll be able to hope for on the Sapphire Reserve nowadays, whereas a proposal of fifty,000 factors is extra frequent.
For extra particulars, take a look at our full overview of the Chase Sapphire Reserve.
The Platinum Card® from American Specific
Some of the emblematic symbols of luxurious is The Platinum Card from American Specific, which has dominated the premium journey card marketplace for fairly a while. While it has an eye-watering $695 annual payment (see charges and costs), its annual assertion credit are price over $1,500.
| Approximate date | Provide | Worth* |
|---|---|---|
| November 2022 to now. | Earn 80,000 Membership Rewards Factors after you spend $6,000 on purchases throughout the first six months of card membership. | $1,600. |
| January 2022 to November 2022. | Earn 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. | $2,000. |
| July 2021 to January 2022. | Earn 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Plus, earn 10 factors per greenback on “Store Small” purchases within the U.S. and at eating places worldwide, on as much as $25,000 in mixed purchases, additionally within the first six months of card membership. | $2,000 (however as much as $5,000 in extra worth with the small-business and restaurant spending provide). |
| November 2020 to July 2021. | Earn 75,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Plus, earn 10 factors per greenback on U.S. gasoline stations and U.S. supermarkets, on as much as $15,000 in mixed purchases, additionally within the first six months of card membership. | $1,500 (however as much as $3,000 in extra worth with the gasoline stations and supermarkets spending provide). |
| 2017 to November 2020. | Earn 60,000 bonus factors after spending $5,000 within the first three months of card membership. | $1,200. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Usually, intention to use for this card provided that its welcome provide tops 75,000 bonus factors, and it must be a no brainer on the 100,000-point mark, relying on the spending necessities.
Though the chart above exhibits the publicly-available welcome affords, word that you could be be focused for the next provide through the use of the CardMatch instrument. Candidates have seen 125,000-point and 150,000-point affords for a similar quantity of spending, so it’s price checking to see if you happen to qualify for the next bonus. Be aware that provides are topic to alter at any time.
For extra particulars, take a look at our full overview of the Amex Platinum.
The Enterprise Platinum Card® from American Specific
Enterprise house owners ought to have a look at the Amex Platinum’s enterprise counterpart: The Enterprise Platinum Card from American Specific.
This card additionally has a $695 annual payment (see charges and costs) however a slew of business-friendly perks and assertion credit to assist justify this ongoing value.
Be aware that the Enterprise Platinum often affords an enormous payout of Membership Rewards factors however requires a excessive quantity of spending ($15,000 on eligible purchases within the first three months of card membership).
| Approximate date | Provide | Worth* |
|---|---|---|
| December 2022 to now. | Earn 120,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $2,400. |
| October 2022 to December 2022. | TPG unique provide: Earn 150,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $3,000. |
| October 2021 to October 2022. | Earn 120,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $2,400. |
| August to October 2021. | Earn 100,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $2,000. |
| April to August 2021. | Earn 125,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $2,500. |
| January to April 2021. | Earn 85,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $1,700. |
| March 2020 to January 2021. | Earn 75,000 bonus factors after spending $15,000 on eligible purchases together with your card within the first three months of card membership. | $1,500. |
| September 2019 to March 2020. | Earn as much as 100,000 bonus factors. Earn 50,000 factors after spending $10,000 within the first three months of card membership and an additional 50,000 factors after spending a further $15,000 additionally throughout the first months of card membership. | $2,000. |
| 2018 to September 2019. | Earn as much as 75,000 bonus factors: 50,000 factors after spending $10,000 within the first three months of card membership and an additional 15,000 factors after spending a further $10,000 additionally throughout the first months of card membership. | $1,500. |
| July 2017. | Earn as much as 150,000 bonus factors: 100,000 factors after spending $5,000 on eligible purchases with the cardboard within the first three months of card membership and one other 50,000 bonus factors after spending $15,000 whole within the first three months. Provide out there by calling Amex. | $3,000. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: The usual provide it’s best to intention for nowadays is a minimum of 120,000 factors. Nonetheless, American Specific typically sends focused affords for 150,000 factors and presumably 200,000 factors.
For extra particulars, take a look at our full overview of the Amex Enterprise Platinum.
American Specific® Gold Card
In October 2018, Amex rebranded the American Specific Gold Card to what we all know it as at the moment. The Amex Gold is without doubt one of the hottest on a regular basis playing cards, due to its giant payout on U.S. grocery store purchases and eating places worldwide.
| Approximate date | Provide | Worth* |
|---|---|---|
| June 2022 to now. | Earn 60,000 bonus factors after spending $4,000 on eligible purchases within the first six months of card membership. | $1,200. |
| June 2022 (only for just a few days). | Earn 100,000 bonus factors after spending $4,000 on purchases within the first six months of card membership | $2,000. |
| October 2020 to June 2022. | Earn 60,000 bonus factors after spending $4,000 on eligible purchases within the first six months of card membership. | $1,200. |
| March 2019 to October 2020. | Earn 35,000 bonus factors after spending $4,000 on eligible purchases within the first six months of card membership. | $700. |
| October 2018 to March 2019. | Earn 25,000 bonus factors after spending $2,000 within the first three months of card membership. | $500. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Should you aren’t focused for the next welcome provide, the present 60,000 welcome provide is nice for the Amex Gold. However like with the Amex Platinum, you might be focused for the next 75,000-point provide or as many as 90,000 factors via the CardMatch instrument — and spending the identical quantity.
For extra particulars, take a look at our full overview of the Amex Gold.
Capital One Enterprise X Rewards Credit score Card
Say good day to the most recent premium journey card. The Enterprise X has been an enormous hit since its launch in November 2021 — and the $395 annual payment is far simpler on the pockets than another playing cards on this checklist.
| Approximate date | Provide | Worth* |
|---|---|---|
| March 2022 to now. | Earn 75,000 bonus miles whenever you spend $4,000 on purchases within the first three months from account opening. | $1,388. |
| November 2021 to March 2022. | Earn 100,000 bonus miles whenever you spend $10,000 on purchases within the first six months from account opening. | $1,850. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Because the Enterprise X is a more recent card, predicting the long-term “commonplace provide” is troublesome. Nonetheless, 75,000 bonus miles is the provide you’ll be able to obtain proper now, down from the elevated provide from the cardboard’s preliminary launch.
For extra particulars, take a look at our full overview of the Enterprise X.
Capital One Enterprise Rewards Credit score Card
The $95-annual-fee card has supplied a few alternatives to earn as much as 100,000 bonus miles, although that $20,000 spending requirement within the first yr of account opening could also be out of attain for some.
| Approximate date | Provide | Worth* |
|---|---|---|
| Might 2022 to now. | 75,000 bonus miles whenever you spend $4,000 on purchases within the first three months from account opening. | $1,388. |
| July 2021 to Might 2022. | Earn 60,000 bonus miles after spending $3,000 on purchases throughout the first three months of account opening. | $1,110. |
| March to July 2021. | Earn as much as 100,000 bonus miles: 50,000 bonus miles after spending $3,000 on purchases within the first three months of account opening, and a further 50,000 miles after spending $20,000 on purchases within the first 12 months of account opening. | $1,850. |
| December 2020 to March 2021. | Earn 60,000 bonus miles after spending $3,000 on purchases throughout the first three months of account opening. | $1,110. |
| September to December 2020. | Earn as much as 100,000 bonus miles: 50,000 bonus miles after spending $3,000 on purchases within the first three months of account opening, and a further 50,000 miles after spending $20,000 on purchases within the first 12 months of account opening. | $1,850. |
| 2018 to September 2020. | Earn 50,000 bonus miles after spending $3,000 on purchases throughout the first three months from account opening. | $925. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: 60,000 bonus miles was the usual provide for fairly some time, so any provide above is one to reap the benefits of.
For extra particulars, take a look at our full overview of the Enterprise Rewards Card.
Citi Premier® Card
Citi unveiled its best-ever welcome provide of 80,000 factors for the Citi Premier in mid-2021. This tracks with the 2021 development of issuers providing giant welcome bonuses as journey and the general economic system rebounded within the second yr of the pandemic. We noticed this bonus return for the second half of 2022.
The Citi Premier (see charges and costs) has improved over time, from no sign-up bonus in 2017 to a good 60,000-point provide for present candidates.
| Approximate date | Provide | Worth* |
|---|---|---|
| January 2023 to now. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,080. |
| June 2022 to January 2023. | Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,440. |
| February 2022 to June 2022. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,080. |
| July 2021 to January 2022. | Earn 80,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,360. |
| June 2019 to July 2021. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,020. |
| October 2018 to June 2019. | Earn 50,000 bonus factors after spending $4,000 within the first three months of account opening. | $850. |
| August 2018 to October 2018. | Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening. | $1,020. |
| February 2018 to August 2018. | Earn 50,000 bonus factors after spending $4,000 within the first three months of account opening. | $850. |
| January 2018 to February 2018. | Earn 30,000 bonus factors after spending $3,000 within the first three months of account opening. | $510. |
| 2017 to January 2018. | None. | N/A |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: The perfect time to use for this card is when it affords 80,000 factors or extra.
For extra particulars, take a look at our full overview of the Citi Premier.
Delta SkyMiles® Reserve American Specific Card
As the highest bank card within the Delta SkyMiles bank card household, the Delta SkyMiles® Reserve American Specific Card usually affords extra than simply miles in its welcome provide. Candidates can also sit up for bonus Medallion Qualification Miles (MQMs) to assist them towards elite standing with Delta.
| Approximate date | Provide | Worth* |
|---|---|---|
| March 2023 to now. | Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $5,000 in purchases in your new Card in your first six months of card membership. | $705. |
| February 2023 to March 2023. | Earn 90,000 bonus miles after you spend $5,000 in purchases in your new card in your first six months of card membership. | $1,269. |
| November 2022 to February 2023. | Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $5,000 in purchases in your new Card in your first six months of card membership. | $705. |
| September to November 2022. | Earn 95,000 bonus miles after you spend $6,000 in purchases in your new Card in your first six months of card membership. | $1,339.50. |
| August to September 2022. | Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases in your new card in your first three months of card membership. | $705. |
| June to August 2022. | Earn 100,000 bonus miles after you spend $5,000 in purchases in your new card in your first three months of card membership. | $1,410. |
| April to June 2022. | Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases in your new card in your first three months of card membership. | $705. |
| March to April 2022. | Earn 100,000 bonus miles after you spend $5,000 in purchases in your new card in your first three months of card membership. | $1,410. |
| November 2021 to March 2022. | Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases in your new card in your first three months of card membership. | $705. |
| June 2021 to November 2021. | Earn 80,000 bonus miles and 20,000 Medallion Qualification Miles (MQMs) after you spend $5,000 in purchases in your new card within the first three months of card membership | $880. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Purpose for a welcome provide of 80,000 or above. If you see that quantity, it’s a superb time to get the Delta SkyMiles Reserve.
For extra particulars, take a look at our full overview of the Delta SkyMiles Reserve card.
Ink Enterprise Most well-liked® Credit score Card
We haven’t seen a lot change within the welcome bonuses for the Ink Enterprise Most well-liked® Credit score Card. Each its unique and present affords convey quite a lot of worth to cardholders since we peg Chase Final Rewards at 2 cents per level.
| Approximate date | Provide | Worth* |
|---|---|---|
| March 2020 to now. | Earn 100,000 bonus factors after spending $15,000 within the first three months from account opening. | $2,000. |
| November 2016 to March 2020. | Earn 80,000 bonus factors after spending $5,000 within the first three months from account opening. | $1,600. |
*Bonus provide worth is predicated on TPG’s valuations and never supplied by the bank card issuer.
When to use for this card: Any time this card affords a minimum of 100,000 bonus factors is a good time to use.
For extra particulars, take a look at our full overview of the Ink Enterprise Most well-liked.
Must you await a greater welcome provide?
After reviewing among the welcome affords from the previous, you might be tempted to attend till one thing higher comes round. There are a lot of good causes to await a greater welcome provide, but it surely’s not all the time well worth the wait.
Listed here are some the explanation why you would possibly need to go forward and get the cardboard you’re fascinated with:
A greater bonus might not come again
Some bonuses simply by no means come again. The Chase Sapphire Reserve hasn’t repeated the 100,000-point sign-up bonus since its launch in 2016 — and we don’t anticipate it’s going to return.
You’re lacking out on factors from on a regular basis spending
Should you wait to use for a card, you’re lacking out on hundreds of factors out of your on a regular basis bank card spending. That distinction alone would possibly make up for the higher bonus you’re holding out for.
You’re planning an award journey now
When you have your sights set on touring later this yr or into subsequent, you’ll need to begin accruing these factors and miles now. After you hit a spending minimal, it might take as much as a few billing cycles for these factors to hit your steadiness.
Associated: Playing cards at the moment providing sign-up bonuses of 100,000 factors or extra
Backside line
Solely time will inform what new affords we’ll see within the pipeline. Bookmark this information so you’ll be able to cross-reference a card’s historical past whenever you see a proposal that pursuits you.
For extra data on bank card bonus affords over time, see the next:
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.
Further reporting by Emily Thompson and Ryan Smith.
