The 10 Best Credit Card Offers for January 2020
Credit card sign-up bonuses are constantly changing. It can feel impossible to figure out the best card to sign up for.
Don’t worry – Thrifty Traveler has your back. Every month, we analyze all the current card offers out there, highlighting the 10 best offers and exactly what you need to know with each card.
Without further ado, here are the 10 best travel rewards credit card offers for January 2020.
1. Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is currently offering 60,000 Ultimate Rewards points after spending $4,000 in the first three months of card membership. The annual fee is $95 and it’s not waived for the first year of card membership.
It earns 2x Ultimate Rewards points per dollar spent on travel and dining, 5x points per dollar spent on Lyft rides, and 1x point per dollar on everything else. It offers one of our favorite ways to book flight deals through our Thrifty Traveler Premium flight deal notification service.
Click Here to learn more about the Chase Sapphire Preferred Card.
2. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is currently offering 50,000 bonus miles after spending $3,000 in the first three months of card membership. It’s one of our top picks for points and miles beginners.
The Venture card is impressive because it earns 2x miles on every dollar you spend AND the annual fee of $95 is waived for the first year of card membership. Because Venture Miles redeem at 1 cent each, the sign-up bonus is worth $500.
We love the Venture card because the miles can be used for simple statement credits on all travel purchases. Capital One Venture Miles are fantastic for covering the cost of things traditional points and miles cannot cover like cruises, tours, or Airbnb.
It even offers an up to $100 fee credit towards Global Entry or TSA PreCheck. Additionally, Capital One allows you to transfer Venture miles to a number of partner airlines.
Click Here to learn more about the Capital One Venture Card.
3. The American Express Green Card
American Express recently relaunched its longstanding Green Card with a handful of new perks including a limited-time welcome offer bonus of 30,000 points after spending $2,000 in the first three months.
Perhaps the most intriguing new benefit of the American Express Green Card is it will now provide cardmembers with an annual $100 credit for CLEAR airport security to help offset the cost of program membership.
The card earns 3x Membership Rewards points per dollar spent on dining and travel. See our full post for a breakdown of all the new benefits.
Click Here to learn more about the American Express Green Card.
4. United Explorer Credit Card
Chase and United Airlines are out with a new limited-time offer on the United Explorer Card. It is currently possible to earn 60,000 miles after spending $3,000 in the first three months of card membership. This limited-time offer expires on April 2, 2020.
The card also offers up to a $100 credit for Global Entry or TSA PreCheck once every four years. Membership in both programs is good for five years. You’ll also get a free checked bag when you pay with the card and get 25% back in the form of a statement credit on in-flight purchases.
The card will be subject to the Chase 5/24 rule, so you may not be approved depending on how many credit cards you’ve opened in the last 24 months.
Read our full review of the United Explorer Credit Card.
Click Here to learn more about the United Explorer Credit Card.
5. Chase Freedom Unlimited Card
The current offer on the Chase Freedom Unlimited card makes it one of the best cards for earning Chase points or cashback on your everyday spending. If paired with either the Chase Sapphire Preferred or the Sapphire Reserve, you can transfer the cashback it earns into Chase Ultimate Rewards points. You can read more about this here.
The card earns an unlimited 1.5% cashback (or 1.5x Ultimate Rewards Points) on all spending. You will also earn a welcome offer bonus of $150 (15,000 Ultimate Rewards points) after spending $500 in the first three months of card membership.
The Chase Freedom Unlimited card does not have an annual fee, however, the card is subjected to the Chase 5/24 rule, so that is something you will need to consider before applying.
Click Here to learn more about the Chase Freedom Unlimited Card.
6. IHG Rewards Club Premier Card
The Chase Chase IHG Rewards Club Premier Card is currently offering 140,000 IHG Rewards Club points after spending $3,000 in the first three months of card membership. Not only is that up from the normal offer of 80,000 points, but it’s also the highest bonus we’ve ever seen on the card. If this card is on your radar, now is a great time to apply. This bonus runs through April 2, 2020.
With this offer, you will also earn a total of 25x IHG Rewards points per dollar spent at IHG properties.
Add in some other lucrative perks for award stays and travel, and it adds up to a solid credit card that drastically outweighs its $89 annual fee.
Read our full review of the Chase IHG Rewards Club Premier Card.
Click Here to learn more about the IHG Rewards Club Premier Card.
7. The Platinum Card from American Express
The Platinum Card from American Express is currently offering 60,000 Membership Rewards points after spending $5,000 in the first three months of card membership. The card has an annual fee of $550, however, the card offers many premium benefits such as $200 in annual Uber credit, a $200 annual airline credit, a $100 credit for Saks 5th Avenue, lounge access, and up to $100 in fee credits towards Global Entry or TSA PreCheck.
You will earn 5x points per dollar spent on airfare purchased directly with airlines or the American Express Travel portal. We’ve labeled the card as the best card for Delta travelers.
And be sure to check if you are eligible for the 100,000 Point offer as well. The welcome offer bonus alone is worth between $900 and $1,000 because Membership Rewards points are so valuable.
If you want a card that will get you airport lounge access, there is no better option. The American Express Platinum card will get you access to the Delta Sky Club (when flying Delta), the American Express Centurion Lounges, Priority Pass, and a host of other independent lounge networks like the Escape Lounge.
Click Here to learn more about the Platinum Card from American Express.
8. The Marriott Bonvoy Boundless Credit Card
The Marriott Bonvoy Boundless Credit Card is currently offering 100,000 Marriott Bonvoy points after spending $5,000 in the first three months of card membership. The card has an annual fee of $95, but it offers a free award night each year after your account anniversary date at any Marriott hotel with a redemption level of up to 35,000 Marriott Bonvoy points.
It also earns 6x points per dollar spent at Marriott hotels, and 2x points per dollar spent on all other purchases. The normal welcome offer bonus on this card is 75,000 points, and this offer matches the highest we have ever seen on the card.
One of the biggest benefits to Marriott’s program is the ability to transfer your points to over 40 partner airlines. The 100,000 point welcome bonus offer is good for just over 38,000 points in almost any airline of your choice.
Click Here to learn more about the Marriott Bonvoy Boundless Credit Card.
9. All 3 Southwest Airlines Personal Cards
Chase and Southwest Airlines are out with new limited-time sign-up bonus offers on all three of their personal credit cards. It’s currently possible to earn up to 75,000 Rapid Rewards points after spending a total of $5,000 within the first six months of card membership on all three versions of the card.
These are the highest offers we have ever seen on these cards.
If you are looking to earn the Southwest Companion Pass for 2020 and 2021, picking one of these cards is a key ingredient to making it happen. And what you will get with each card varies, so see our post to figure out which card is right for you.
Click Here to get more details on the Southwest Priority Credit Card.
Click Here to get more details on the Southwest Premier Credit Card.
Click Here to get more details on the Southwest Plus Credit Card.
10. AAdvantage Aviator Red World Elite Mastercard®
There’s no faster way to earn a lot of AAdvantage miles than with the AAdvantage Aviator Red World Elite Mastercard by Barclays.
Critically, there’s no big minimum spending requirement to earn that bonus with this card. You’ll earn 60,000 AAdvantage miles after making a single purchase and paying the card’s $99 annual fee. With this card, you’ll get a free checked bag and priority boarding on all AA flights. You’ll also earn 2x points on all AA purchases, and get 25% back when making onboard food and beverage purchases.
You’ll never find an easier way to earn 60,000 AAdvantage miles this fast. And make sure to read our post on why you should be earning American Airlines miles.
Apply Here for the AAdvantage Aviator Red World Elite Mastercard® (for full disclosure this is not an affiliate link)
There are tons of credit card offers out there, and they’re constantly changing. These are our picks for the best travel rewards credit card offers for January 2020.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.