When searching for your next credit card, consider waiting until you can take advantage of an increased welcome bonus. Not every rewards card offers a welcome bonus (or a limited-time increased bonus), but those that do can earn you hundreds of dollars in additional value if you apply at the right time and meet the spending requirements.
Below, we highlight the best credit card welcome bonuses that are set to expire soon.
Limited-time credit card welcome bonuses
- Chase Sapphire Preferred® Card (see rates and fees)
- Sapphire Reserve for BusinessSM (see rates and fees)
- Ink Business Cash® Credit Card (see rates and fees)
- Ink Business Unlimited® Credit Card (see rates and fees)
- Capital One Spark Cash
- Capital One Spark Cash Plus
- Capital One Savor Cash Rewards Credit Card
- U.S. Bank Triple Cash Rewards Visa® Business Card
Travel card welcome bonuses ending soon
Chase Sapphire Preferred® Card
New limited-time welcome bonus: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Typical welcome bonus: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
CNBC Select's take: This bonus matches the highest offer we've ever seen for this card. The Sapphire Preferred has had a significant overhaul with the launch of this offer. There is now an expanded $100 annual Chase Travel hotel credit, a Global Entry, TSA PreCheck or NEXUS application fee credit and bonus points on gas, EV charging and vacation home rentals. In many ways, it's easier than ever to justify applying for a card that was already one of the best travel cards with a sub-$100 annual fee.
However, there are negative changes that will change the value of this card for a certain segment of travelers. If you've relied heavily on Chase points to book Hyatt award stays, the Sapphire Preferred is losing some of its luster. For new cardholders, the transfer ratio to World of Hyatt has dropped from 1:1 to 4:3 (existing cardholders have until Oct. 1, 2026, before the transfer ratio decreases). That makes this intro bonus worth 75,000 Hyatt points, unless you also have Chase Sapphire Reserve® (see rates and fees), which will still offer 1:1 transfers to Hyatt.
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections, flexible rewards and more.
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- Annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Sapphire Reserve for BusinessSM
New limited-time welcome bonus: Earn 200,000 points after spending $30,000 on purchases in the first six months of account opening.
Typical welcome bonus: Earn 150,000 points after spending $20,000 on purchases in the first three months of account opening.
CNBC Select's take: This matches the highest bonus ever offered by the Sapphire Reserve Business card, and you have six months to meet the spending requirement. This card is a good fit for anyone who wants luxury perks and valuable travel rewards. Be sure to review the benefits before applying. There is more than enough value to justify paying the card's $795 annual fee, but outside of the annual $300 travel credit, most of the perks aren't as straightforward and may not make sense for you.
The Chase Sapphire Reserve for Business brings over $3,000 in value to business owners who value travel and premium experiences
- $400 in annual statement credits on purchases made directly with ZipRecruiter.
- $300 annual travel credit each anniversary year
- $120 Global Entry, TSA Precheck or Nexus fee credit every four years
- Access to 1,300+ airport lounges worldwide with your complimentary Priority PassTM Select membership, including Sapphire Lounge by The Club locations with two complimentary guests
- Can transfer rewards to all of Chase’s 14 travel partners
- IHG One Rewards Platinum Elite status through 12/31/27
- Comprehensive suite of travel and purchase protections
- High annual fee
- Significant value tied to statement credits
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase TravelSM, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase TravelSM for airline tickets, hotels, including The EditSM, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Cash-back card welcome bonuses ending soon
Ink Business Cash® Credit Card
New limited-time welcome bonus: Earn $1,000 cash back after spending $8,000 on purchases in the first four months.
Typical welcome bonus: Earn $750 cash back after spending $6,000 on purchases in the first three months.
CNBC Select's take: This is an all-time-high welcome offer and one of the biggest we've ever seen for a credit card with no annual fee. It also has a reasonable spending requirement that you have four months to meet. If this card's bonus spending categories work well for your business, this is an excellent cash-back business card to consider because it also features an intro APR.
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Ink Business Unlimited® Credit Card
New limited-time welcome bonus: Earn $1,000 cash back after spending $8,000 on purchases in the first four months.
Typical welcome bonus: Earn $750 cash back after spending $6,000 on purchases in the first three months.
CNBC Select's take: The Ink Business Unlimited is similar to the Ink Business Cash, but the key difference is how it earns rewards. Instead of bonus spending categories, you earn an elevated return of at least 1.5% back on every purchase. This welcome offer is the highest offer ever for this card, so now is a great time to apply.
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Capital One Spark Cash Plus
New limited-time welcome bonus: Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months. You can also earn an additional $2,000 cash bonus for every $500,000 you spend on the card in the first year.
Typical welcome bonus: Earn $2,000 cash back after spending $30,000 in the first three months from account opening and an additional $2,000 cash for every $500,000 spent in the first year.
CNBC Select's take: The Capital One Spark Cash Plus is ideal for businesses with $10,000+ in monthly credit card expenses. It offers an annual fee waiver on top of an unlimited 2% cash back and an absolutely huge welcome offer. To get the $150 annual fee refunded, you need to spend at least $150,000 on the card during the year.
The Capital One Spark Cash Plus is especially rewarding for businesses with a lot of credit card spending. It offers an additional bonus the first year and an ongoing annual fee refund, but both benefits have six-figure spending requirements.
- High flat-rate rewards
- Valuable welcome offer
- Has an annual fee
- High spending requirement to earn the welcome offer and qualify for the annual fee refund
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Capital One Spark Cash
New limited-time welcome bonus: Earn $1,000 cash back and a $250 Capital One Business Travel credit after spending $10,000 in the first three months from account opening.
Typical welcome bonus: Earn $1,000 cash back after spending $10,000 in the first three months from account opening.
CNBC Select's take: This is a top-tier cash-back offer, and with the annual fee waived for the first year, you can pocket the entire bonus. While there is an above-average spending requirement, it's not outrageous for a business credit card and can be worthwhile because you're effectively earning 10% back on the purchases you make to qualify for the welcome bonus.
The Capital One Spark Cash is a strong business cash-back card. With a high flat-rate return on purchases you can rest assured that you're earning a strong return without needing to juggle special rewards categories.
- High flat-rate rewards
- Valuable welcome offer
- No foreign transaction fees
- Has an annual fee
- High spending requirement to earn the welcome offer
U.S. Bank Triple Cash Rewards Visa® Business Card
New limited-time welcome bonus: Earn $750 cash back after spending $6,000 or more on the primary account holder's card within 180 days from account opening.
Typical welcome bonus: Earn $500 cash back after spending $5,000 or more on the primary account holder's card within 180 days from account opening.
CNBC Select's take: The U.S. Bank Triple Cash Rewards Visa Business Card offers an excellent cash-back bonus for a no-annual-fee business card. Plus, you can take advantage of a low-interest offer and an annual $100 statement credit for eligible recurring software subscriptions.
The U.S. Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee business card that earns cash back rewards on a variety of business and everyday categories.
- Annual $100 software statement credit
- Valuable welcome bonus
- Has a foreign transaction fee
- Not very rewarding for purchases you make outside of the bonus categories
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Balance transfer fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Capital One Savor Cash Rewards Credit Card
New limited-time welcome bonus: Earn a $250 cash bonus after spending $500 on purchases within the first three months from account opening.
Typical welcome bonus: Earn a $200 cash bonus after spending $500 on purchases within the first three months from account opening.
CNBC Select's take: The Capital One Savor card is such a strong cash-back credit card that it ranks near the top in multiple categories. This is a great option for dining, entertainment, groceries and streaming services. You can even enhance the rewards when you pair it with a card that earns Capital One miles, such as the Capital One Venture Rewards Credit Card or Capital One VentureOne Rewards Credit Card, as you can combine rewards. This means you can convert cash back into transferable Capital One miles.
The Capital One Savor Cash Rewards Credit Card is one of the most rewarding options for earning cash back in categories such as entertainment and dining without paying an annual fee. Plus, you can combine its rewards with Capital One's travel cards to convert them into transferable miles.
- One of the most rewarding cash back cards for entertainment and streaming services
- No annual fee
- Easy-to-earn welcome bonus
- High APR
- Requires a good to excellent credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
Balance transfer fee
Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Student card welcome bonuses ending soon
Capital One Quicksilver Student Cash Rewards Credit Card
New limited-time welcome bonus: Earn a $100 cash bonus after spending $300 on purchases within the first three months from account opening.
Typical welcome bonus: Earn a $50 cash bonus after spending $100 in the first three months.
CNBC Select's take: At first glance, it may seem odd for such a small bonus to be included in a round-up of top offers. However, when you consider that this is a student credit card, what you get with this card stands out. The Quicksilver Student card earns the same 1.5% cash back on all purchases as the standard non-student Capital One Quicksilver Cash Rewards Credit Card. Being able to earn rewards and a welcome bonus from a card that's designed to help college students establish credit is rare.
The Capital One Quicksilver Student Credit Card earns a generous 1.5% cash back on every purchase, which makes it one of the most rewarding credit cards that's available to students.
- Simple rewards structure with no caps or categories to track
- No annual fee
- Potentially high APR
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Balance transfer fee
- $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Capital One Savor Student Cash Rewards Credit Card
New limited-time welcome bonus: Earn a $100 cash bonus after spending $300 on purchases within the first three months from account opening.
Typical welcome bonus: Earn a $50 cash bonus after spending $100 in the first three months.
CNBC Select's take: This bonus is twice the standard offer, but what really makes this card worth considering is its rewards. The Savor Student card earns cash back at the same rate as the standard Capital One Savor Cash Rewards Credit Card. Other student cards can't compete with this card's 8% back on Capital One Entertainment purchases, 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% back on dining, entertainment, streaming services and grocery stores and 1% back on all other purchases.
The Capital One Savor Student Cash Rewards Credit Card is a card designed for students with rewards rates that match many of the top cash-back credit cards.
- High cash-back rates for common student expenses, such as groceries, dining and entertainment
- No annual fee
- No foreign transaction fees
- High APR
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Balance transfer fee
4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Hotel card welcome bonuses ending soon
Hilton Honors American Express Aspire Card
New limited-time welcome bonus: Earn 175,000 Bonus Points after spending $6,000 in purchases on the card within the first six months of card membership. Offer ends July 29, 2026.
Typical welcome bonus: Earn 150,000 Bonus Points after spending $6,000 on purchases in the allotted time.
CNBC Select's take: This offer is only 5,000 points less than the biggest bonus we've seen available with this card. Before you apply, carefully consider the card's benefits, as it has a $550 annual fee you'll need to justify (see rates and fees). Anyone who frequents Hilton properties won't have a hard time finding enough value to offset the cost.
For starters, you receive a Free Night Reward your first year and every year after you renew the card. You can earn up to two additional free nights every year if you hit certain spending thresholds within that year ($30,000 for the first free night and $60,000 total for the second free night), so it's a great option for big spenders. You can also receive over $800 in credits each year for CLEAR+, flights and Hilton Resorts.
The Hilton Honors American Express Aspire Card grants you complimentary Hilton Honors™ Diamond Status and a Free Night Reward every year.
- Earn up to $889 in statement credits every year
- Complimentary Hilton Honors™ Diamond Status
- Free Night Reward every year
- High annual fee
- Additional Free Night Rewards have high spending requirements
- Some credits are only earned quarterly or semi-annually, which makes them more complicated to fully maximize
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within the first 6 months of Card Membership. Offer ends 7/29/26.
- Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
- Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
- Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
- Card Members can earn 3X Points on all other eligible purchases.
- $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
- $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
- CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. Receive up to $209 per calendar year in statement credits, when you pay for a CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card.
- Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
- $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
- Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Whenever you travel more than 100 miles from home, Premium Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
- Points don't expire while your Hilton Honors American Express Aspire Card is active and in good standing.
- $550 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Hilton Honors American Express Card
New limited-time welcome bonus: Earn 100,000 Bonus Points and a $100 statement credit after spending $2,000 on eligible purchases on your Hilton Honors American Express Card within your first six months of card membership. Offer ends July 29, 2026.
Typical welcome bonus: Earn 80,000 Bonus Points after spending $2,000 on purchases in the allotted time.
CNBC Select's take: This welcome bonus is 25% higher than the standard offer — and don't underestimate the value of the statement credit. Most miles and points experts value Hilton points at 0.5 cents each or less, so you could look at the $100 statement credit as having roughly the same value as 20,000 Hilton points.
If the Hilton Aspire and its big annual fee (see rates and fees) doesn't make sense for you, this no-annual-fee card is a great option (see rates and fees).
The Hilton Honors American Express Card has no annual fee and provides complimentary Hilton Honors™ Silver Status.
- Complimentary Hilton Honors™ Silver Status
- No annual fee
- Few valuable ongoing benefits such as statement credits or Free Night Rewards
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7/29/26.
- No Annual Fee.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Points don't expire while your Hilton Honors American Express Card is active and in good standing.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Check out our credit card marketplace for more options, or get matched with other financial products for your money needs.
How to choose a limited-time welcome bonus
Earning a credit card welcome bonus is the easiest way to boost your rewards balance, and many of the top offers can earn you 100,000 points or more. But some issuers limit you to earning a welcome offer once per credit card per lifetime, which makes waiting for increased intro bonuses a valuable move to maximize your return.
Minimum spending requirement
Most credit cards don't award you a welcome bonus upon approval; instead, you have to spend a certain amount within a limited timeframe (usually three months or more). Be sure you can meet the minimum spending requirement within the allotted time and pay off the balance. If you can't, you risk losing out on your bonus or accumulating expensive credit card debt.
Value compared to the standard offer
Don't just consider the bonus's value; look at the value compared to its standard offer. For example, if the card historically offers a 75,000-point bonus but is currently featuring a lower, limited-time offer, you may want to hold off on applying.
This is especially important for cards with welcome bonus limitations. If you really want to earn Hilton points, for example, you'll want to apply for a Hilton credit card when the intro bonus is at or near an all-time high is ideal. This is because you're typically limited to earning an American Express welcome offer once per lifetime.
Type of rewards
Comparing limited-time welcome bonuses can be difficult. Outside of cash back, no two rewards have the exact same value or usefulness. It's important to think about what you can do with a bonus and consider how it aligns with what you want to do.
This is a bit more straightforward with co-branded cards since you know you'll use Marriott Bonvoy points at a Marriott location. But with flexible travel rewards programs, you'll need to look at the transfer partners and other redemption options to get a feel for what you can do with that offer.
FAQs
Does the annual fee count toward the minimum spending requirement?
Fees and interest charges typically do not count toward meeting your credit card's minimum spending requirement. This includes the annual fee.
When does the clock start on meeting the minimum spending requirement?
The timeframe for meeting a credit card's minimum spending requirement and earning its welcome bonus starts when you are approved for the card. That means if your card doesn't offer instant access, you'll have less time than you think to meet the spending requirement, as it can take a week or two to receive your card in the mail.
When will the bonus rewards show up in my account?
Welcome bonus rewards typically post to your account after the close of the billing cycle where you met the minimum spending. If you meet your spending requirement on the fifth day of the month and your statement closes on the 25th day of the month, you most likely won't receive your rewards until after the 25th.
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