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The New Year is almost here, and it’s a good time to consider opening a new credit card to earn rewards to use for travel, cash back, and more in 2022. Almost every major credit card issuer has recently launched huge offers and even brand-new cards, including some with record-high welcome bonuses of 100,000 points or more — but many are for a limited time.
These include an excellent offer on The Platinum Card® from American Express
to earn 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership.
Amex raised the annual fee to $695 (See Rates), but also added numerous new benefits that can more than offset the fee bump — including the recent addition of statement credits for Walmart+ membership** and SoulCycle at-home bike purchases. Be sure to check out the new Amex Platinum card designs available to new and existing cardholders starting January 20, 2022.
The Business Platinum Card® from American Express
recently got a makeover, too, adding an elevated welcome bonus of 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership and new or improved statement credits for wireless, Indeed, Adobe, and Dell purchases.
Keep in mind the card is increasing its annual fee from $595* (See Rates) to $695 on January 13, 2022, so now is a good time to apply if you want to lock in the lower annual fee.
Read more: Guide to the best current credit card offers
The Ink Business Preferred® Credit Card just got a boost in its cell phone protection, giving it one of the most generous policies of any credit card with cell phone insurance. Ink Business Preferred cardholders now receive up to $1,000 in coverage per claim, each with a $100 deductible, up to three times per 12-month period.
If you frequently travel to Canada or live near the Canadian border, be sure to check out the new NEXUS application fee credit that Chase has added to many of its travel cards, including the Chase Sapphire Reserve® and United℠ Explorer Card. NEXUS is a Trusted Traveler program that includes Global Entry and TSA PreCheck privileges, so it’s a much better deal if you can get it.
Other improved bonuses to consider include higher offers on the IHG® Rewards Club Premier Credit Card and IHG® Rewards Club Traveler Credit Card, new offers on the Blue Cash Preferred® Card from American Express and Blue Cash Everyday® Card from American Express, rarely seen welcome bonuses on the American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express, new bonuses on three Amex Hilton cards, and a 5x grocery bonus on the Chase Freedom Flex℠ and Chase Freedom Unlimited®.
With new offers constantly being introduced, you’ve got a terrific opportunity to take advantage of an increased credit card bonus now, so you’re set up with points you can use for flights, hotels, and more when you’re ready to travel again.
Here are some of the best credit card offers to consider this week.
Best credit card offers this week
Flexible rewards credit card bonuses
Transferable credit card points are best if you value flexibility because there are so many ways to redeem them. With programs like American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards, you’ve got options that include:
The Capital One Venture X Rewards Credit Card is making waves with its huge welcome bonus and generous benefits. Although it’s a premium card, the annual fee of $395 is reasonable compared to similar cards like the Chase Sapphire Reserve®, and you’ll receive perks like airport lounge access and travel statement credits that can offset the cost.
If that’s still a bit steep for your liking, the card’s less-expensive sibling — the Capital One Venture Rewards Credit Card — is still one of our favorite cards and one of the best travel rewards cards for beginners.
Our favorite under-the-radar card — the Citi Premier® Card — is offering a record-high welcome bonus, and it offers excellent earnings in categories that fit well whether you’re sticking close to home or on the road. You’ll earn 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.
Another excellent deal is one of the best cards with premium travel and shopping benefits, The Platinum Card® from American Express. You can currently earn 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership — here’s our Amex Platinum card review for all the details.
Small-business credit card bonuses
14.24% – 22.24% Variable
Good to Excellent
120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership
0% Intro APR for 12 months on purchases eligible for Pay Over Time
If you’re a small-business owner, opening a small-business credit card can offer a lot of benefits. Keeping your business and personal expenses separate makes it easier to keep track of expenses, and many cards offer bonus points, miles, or cash back in popular business spending categories.
You don’t have to own a full-time business or make millions to be eligible to apply — even if you’re a freelancer or have a side gig, you could qualify for a small-business card. The Business Platinum Card® from American Express and Ink Business Preferred® Credit Card are both offering six-figure bonuses after meeting minimum spending requirements, and, depending on how you redeem them, you could get a value of $1,800 or more from these offers.
The recent annual-fee increase on the personal Platinum Card actually makes the Amex Business Platinum Card a more compelling choice, since its annual fee is a full $100 less than the personal version (See Rates) — but it comes with many of the same benefits and credits.
Keep in mind, however, that the annual fee on the Amex Business Platinum Card will increase to $695 on January 13, 2021, for new and existing cardholders.
Cash-back credit card bonuses
$0 intro for the first year, then $95
13.99% to 23.99% variable APR
$300 statement credit after spending $3,000 in purchases on your new card within the first 6 months
0% intro APR on purchases for 12 months from account opening
Our top pick for the best cash-back credit card overall, the Citi® Double Cash Card, doesn’t currently offer a welcome bonus. And other excellent options, like the Chase Freedom Flex℠, Chase Freedom Unlimited®, and the Citi Custom Cash℠ Card, aren’t exclusively cash-back cards (though they’re marketed that way).
Read more: Guide to the best cash-back credit cards
Right now, the Blue Cash Preferred® Card from American Express has an elevated welcome bonus that can help you offset some of your holiday expenses. New cardholders can earn a $300 statement credit after spending $3,000 in purchases on your new card within the first 6 months.
You’ll also earn 6% cash back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S.
services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is earned in the form of Rewards Dollars).
Airline credit card bonuses
16.49% – 23.49% variable
Good to Excellent
two Welcome Flight Reward certificates worth up to 100,000 total points after you spend $4,000 on purchases in the first three months of account opening
The new Aeroplan® Credit Card isn’t just for Air Canada flyers — along with a hefty welcome bonus, it comes with great bonus categories, spending bonuses, and will soon offer the unique ability to redeem up to 50,000 Aeroplan points per year at a rate of 1.25 cents apiece toward any travel purchase through Chase Pay Yourself Back.
Read more: Guide to the best airline credit cards
United flyers have three elevated offers to choose from, the highest of which comes with the United Club℠ Infinite Card, which is offering a welcome bonus of 100,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening. The United℠ Explorer Card is also offering 60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening, and the no-annual-fee United Gateway℠ Card has a bonus of 20,000 bonus miles after spending $1,000 on purchases in the first 3 months from account opening.
Hotel credit card bonuses
15.99% – 22.99% Variable
Good to Excellent
125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening
Even if you’re not an IHG Rewards Club loyalist, the new elevated offer on the IHG® Rewards Club Premier Credit Card is worth a look. Along with an excellent welcome bonus, the card comes with a free night certificate worth up to 40,000 points on every card anniversary that can more than make up for the $89 annual fee.
The World of Hyatt Business Credit Card is a brand-new product that’s ideal for small-business owners who like staying with Hyatt. Along with a hefty welcome bonus, it comes with up to $100 in annual Hyatt credits, automatic elite status (which you can gift to up to five other people), a 10% points rebate on redemptions when you meet a spending requirement, and elite night credits for reaching spending thresholds.
Read more: The best hotel credit cards of 2021
Several other hotel credit cards are offering increased bonuses — including the Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, and The Hilton Honors American Express Business Card.
Keep in mind that most hotel chains, including Marriott and Hilton, have temporarily paused points expiration due to the pandemic, so there’s no harm in earning points now for a vacation down the road. Additionally, Hilton just permanently extended its points expiration window to 24 months (from 15 months).
Good to Excellent
3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories
Good to Excellent
$200 after spending $500 on purchases in the first three months from account opening
Good to Excellent