Best Sign-up Bonuses Credit Cards for July 2020

Compare sign-up bonuses credit cards from our partners and the marketplace.

Chase Sapphire Preferred® Card

Bonus worth $750 in travel is highest available. “Best Credit Card for Flexible Travel Redemption” - Kiplinger's Personal Finance.
  • BONUS OFFER 60,000 ? ? points worth $750
  • REWARDS 2X ? ? points on travel & dining
  • ANNUAL FEE $95 ? ?


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Best Sign-Up Bonus Credit Cards of 2020

Imagine reviewing and comparing credit card offers and finding you could earn a $500 credit card bonus offer just for shopping like you usually do. Seems too good to be true? It isn't. Depending on the cards you sign up for and how you use them, you could end up pocketing hundreds of dollars, just for using your card.

Reasons to Consider Signup Bonus Credit Cards in 2020

While credit card companies are known for offering different types of cash back programs, the best credit card bonuses are the ones where you get rewarded for making purchases you'd normally make anyway. The majority of credit cards simply require spending a certain amount in the first 90 days or so after opening the account. Depending on the offer, spending requirements may vary from $1,000 to $5,000 or more. However, most of the time, you can expect a higher spending requirement to mean a larger bonus offer.

Some of the best signup bonus credit cards of 2020 might include more value depending on how you choose to redeem your rewards. For example, 50,000 points with one card can be redeemed as $500 towards a statement credit, while 50,000 points on another card can be redeemed at a higher value due to the loyalty program you're using.

Things to Consider When Choosing the Best Bonus Credit Cards

It's important to consider how much you usually spend and how much the points or rewards are worth. For example, one card may offer you a 50,000 point bonus offer after you spend $1,000 while another may only offer 50,000 bonus points after you spend $3,000. Make sure you do the math to ensure you're really getting the best credit card bonus offer for you.

You should also be aware of how much the rewards are worth to you when you redeem them. While some of the best bonus credit cards can be redeemed as a statement credit, some are limited to travel only. This is great if you are someone who travels but will leave you with unused points or unredeemable rewards if you are someone who does not.

Further, don't forget to consider a card's annual fees when making your choice as well. Annual fees can range from $95 up to $550. Don't sign up for a card if the annual fee doesn't make up for the benefits that you will actually use.

Ideally, the best credit card bonuses are those that end up giving you more in bonuses, rewards, and benefits than you have to spend.

How to Apply for Signup Bonus Credit Cards in 2020

The finance team here at Wise Bread has done most of the research for you. While there are other credit card offers out there to consider, we feel as though these are the best for signup bonus offers when you factor in everything we discussed above. Some of the features you'll see listed include:

  • Signup bonus offers ranging from $200 to over $500
  • Up to 4% cash back on purchases
  • Up to 2X unlimited rewards programs
  • Flexible travel redemption programs
  • Expanded and rotating category options for ongoing cash back programs

All you need to do to get started is click the green “Apply Now” button next to any of the offers you are interested in. We recommend that you read the fine print, including terms, interest rates, and other fees, before applying.

Don't miss out on valuable bonuses and make sure you choose the card that will benefit you the most.

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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