Credit Card Sign Up Bonus Offers 2023

Credit card issuers constantly compete for new customers, and lucrative sign up bonuses are a key battleground. The right new cardholder offer can give your rewards balance an immediate boost with thousands of points or cash back.

In this guide, we’ll highlight some of the most valuable credit card signup bonus deals available in 2023. We’ll look at bonus values, minimum spending requirements, and tips to qualify for bonuses responsibly. Read on to accelerate your rewards.

How Credit Card Signup Bonuses Work

Here’s an overview of how new cardholder bonuses work:

• Issuers offer bonuses like “Earn 60,000 points after spending $4,000 in 3 months”
• You must apply and qualify for approval for the card to earn the bonus
• After getting approved, you work toward spending the minimum required amount within a defined time period
• Once you reach the spending requirement, the bonus points or cashback are credited to your account
• Most bonuses range from $200 – $800 in value based on the card
• Bonuses help you maximize rewards, especially in the first year

Now let’s look at some of the hottest offers launching into 2023.

Chase Ink Business Cards

Ink Business Unlimited

• $750 bonus cash back after spending $7,500 in 3 months
• Earn 1.5% cash back on every purchase
• No annual fee

Ink Business Preferred

• 100,000 bonus points after spending $15,000 in 3 months
• Earn 3X points on travel, shipping, internet/cable/phone, and advertising with social media and search engines
• $95 annual fee

Ink Business Cash

• $900 bonus cash back after spending $6,000 in 3 months
• Earn 5% cash back on office supply stores and internet/cable/phone
• No annual fee

With big bonuses and solid ongoing earn rates, Chase Ink cards remain a top choice for small business owners.

American Express Business Cards

Blue Business Plus

• 15,000 Membership Reward points after spending $3,000 in 3 months
• 2X points on all purchases up to $50,000 annually
• No annual fee

Business Gold Card

• 70,000 Membership Rewards points after spending $10,000 in 3 months
• 4X points in two categories where you spend the most each month
• $295 annual fee

Business Platinum Card

• 120,000 Membership Rewards points after spending $15,000 in 3 months
• 5X points on flights and prepaid hotels booked through Amex Travel
• $695 annual fee

Amex business cards are best suited for high spenders who can maximize category bonuses.

Airline Credit Card Bonuses

Delta SkyMiles® Gold American Express

• 60,000 bonus miles after spending $2,000 in 3 months
• Earn 2X miles at restaurants and U.S. supermarkets
• $0 intro annual fee for the first year, then $99

UnitedSM Explorer Card

• 70,000 bonus miles after spending $3,000 on purchases in first 3 months
• Earn 2X miles on dining, hotel stays, and United purchases
• $0 intro annual fee for the first year, then $95

Citi® / AAdvantage® Executive World Elite Mastercard®

• 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
• Admirals Club airport lounge access
• $450 annual fee

Loyal flyers can tap big airline card bonuses to jumpstart award travel.

Hotel Credit Card Bonuses

IHG Rewards Premier Credit Card

• 140,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening
• Reward night each cardmember anniversary
• $99 annual fee

Hilton Honors American Express Surpass® Card

• 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 3 months of card membership
• Earn 12X points at Hilton properties worldwide
• $95 annual fee

Marriott Bonvoy BoundlessTM Credit Card

• 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening
• 6X Bonvoy points per $1 spent at over 7,000 hotels worldwide
• $95 annual fee

Hotel cards offer free night certificates that amplify the signup bonus value.

Cash Back Credit Card Bonus Offers

Chase Freedom Unlimited

• $200 bonus after spending $500 on purchases in your first 3 months from account opening
• 5% cashback on travel booked through Chase Ultimate Rewards
• 1.5% cash back on all other purchases

U.S. Bank Cash+ Visa Signature Card

• $200 cash bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
• 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
• 2% cash back on one everyday category like gas stations or grocery stores

Citi Custom Cash Card

• $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening
• 5% cash back on purchases in top eligible spend category each billing cycle, up to the first $500 spent
• 1% cash back on all other purchases

Even no-annual-fee cashback cards offer $200+ bonuses – easy money back.

How to Qualify for Card Bonuses Responsibly

Follow these tips to meet spending requirements ethically:

• Avoid overspending purely to earn bonuses – stick to your budget
• Safely hit requirements by paying bills and expenses you’d buy anyway
• Consider prepaying larger repeating expenses like insurance, HOA dues, or tuition
• Meet bonuses quickly using new cards for everyday purchases like gas, groceries, dining out, etc
• Split big purchases across multiple new cards with signup offers
• Use mobile wallets like Apple Pay to earn while avoiding card number theft
• Review monthly statements to ensure you receive the bonus after meeting requirements

Just don’t bite off more than you can chew across multiple new accounts. Apply judiciously over time.

Closing Thoughts on Signup Bonuses

Lucrative new cardholder bonuses give your rewards a headstart by adding hundreds of dollars in value. While tempting, avoid getting in over your head. Apply only for bonuses that align with your normal spending capacity.

But used strategically, signup bonuses coupled with strong ongoing card rewards can offset a huge portion of your household expenses each year.

Do the bonus math, spend smart, use mobile payment tools, and track your progress to qualify for high-value offers while building your credit profile.