The best credit card welcome bonuses of November 2026

If you haven’t evaluated your credit card portfolio lately, now is a great time to do so.

Twice a month, we update this list to feature top welcome bonuses from cards that made the cut for our best credit cards list. Consider bookmarking this page and checking back regularly for the latest bonuses.

Earning new card bonuses is the fastest way to accumulate a stash of points and miles, so if you’re working on building up your travel rewards balance, it’s likely that one of the options below might be a good fit for you.

Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to time your application for when there’s a solid offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.

If you’re not ready to add a higher-end card, consider these great starter cards or even one with a 0% introductory annual percentage rate.

The best rewards card offers of November 2026

*The welcome offer value is determined using TPG’s November 2026 valuations and is not provided by, nor reviewed by, the issuer.

The Business Platinum Card from American Express

Best for: Frequent business travelers who can maximize premium travel perks and statement credits.

This business card stands out not only for its extremely valuable welcome offer but also for travel perks that can easily cover its $895 annual fee.

Cardmembers enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs (enrollment required), along with some of the best lounge access perks of any business card out there for eligible cardmembers.

As far as earning rates go, cardmembers earn 5 points per dollar spent on flights and prepaid lodging booked on amextravel.com and 2 points per dollar spent on eligible purchases in select business categories and eligible purchases of $5,000 or more (on up to $2 million of these purchases per calendar year, then 1 point per dollar spent).

To learn more, read our full review of the American Express Business Platinum.

Find out your offer and see if you are eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Apply here: The Business Platinum Card from American Express

Chase Sapphire Reserve for Business

Best for: High-spending business owners who want premium travel perks and strong rewards on travel and advertising.

The Sapphire Reserve for Business is a solid choice for high-spending business owners who can maximize valuable statement credits and get the most out of the card’s high earning rates.

These earning rates include:

• 8 points per dollar spent on Chase Travel℠ bookings
• 5 points per dollar spent on Lyft (through Sept. 30, 2027)
• 4 points per dollar spent on flights and hotels booked directly
• 3 points per dollar spent on social media and search engine advertising (up to $1 million per dollar spent each anniversary year, starting Nov. 15, 2026)
• 1 point per dollar spent on all other purchases

To learn more, read our full review of the Sapphire Reserve for Business.

Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.

Apply here: Chase Sapphire Reserve for Business

American Express Business Gold Card

Best for: Business owners who want to earn bonus points in their highest spending categories.

The Amex Business Gold is a fantastic card for business owners looking to maximize earnings from a single card.

It has 4 points per dollar spent earning categories that automatically reflect your highest spending areas (on the top two eligible spending categories each billing cycle; capped at $150,000 in combined purchases each calendar year, then 1 point per dollar spent).

To learn more, read our full review of the Amex Business Gold.

Find out your offer and see if you are eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Apply here: American Express Business Gold Card

American Express Platinum Card

Best for: Frequent travelers who value airport lounge access, hotel elite status and other premium travel perks.

Often referred to as the king of the premium travel rewards cards, the Amex Platinum offers a slew of benefits for an annual fee of $895.

Cardmembers enjoy perks like automatic elite status with Hilton Honors, Marriott Bonvoy and Leaders Club from The Leading Hotels of the World (enrollment required), plus some of the best airport lounge access of any card for eligible cardmembers.

Cardmembers also enjoy 5 points per dollar spent on flights booked directly with airlines or with American Express Travel® (on up to $500,000 in purchases per calendar year, then 1 point per dollar spent), 5 points per dollar spent on prepaid lodging booked with American Express Travel and 1 point per dollar spent on other eligible purchases.

To learn more, read our full review of the American Express Platinum.

Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Apply here: American Express Platinum Card

American Express Gold Card

Best for: Travelers who spend heavily on dining and groceries and can maximize the card’s statement credits.

The Amex Gold Card is a favorite of many TPG staffers, largely thanks to its terrific earning rates on dining at restaurants worldwide and groceries at U.S. supermarkets (subject to spending caps).

It earns at the following rates:

• 5 points per dollar spent on prepaid hotels booked through amextravel.com or the Amex Travel App™
• 4 points per dollar spent on dining at restaurants worldwide (first $50,000 in purchases per calendar year, then 1 point per dollar spent)
• 4 points per dollar spent at U.S. supermarkets (first $25,000 in purchases per calendar year, then 1 point per dollar spent)
• 3 points per dollar spent on flights booked directly with the airlines, on amextravel.com or the Amex Travel App
• 2 points per dollar spent on car rentals booked on amextravel.com or the Amex Travel App
• 2 points per dollar spent on cruises booked on amextravel.com
• 2 points per dollar spent on prepaid Airbnb bookings booked on amextravel.com
• 1 point per dollar spent on other eligible purchases

The card also offers multiple dining statement credits to help offset its relatively manageable $325 annual fee.

To learn more, read our full review of the American Express Gold.

Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Apply here: American Express Gold Card

Capital One cards

Best for: Frequent travelers who want to earn transferable miles.

The Capital One Venture Rewards and Venture X are both strong options for travelers looking to earn transferable Capital One miles.

The Venture X is the premium option, with perks such as a $300 annual Capital One Travel credit and access to Capital One airport lounges.

Meanwhile, the Venture carries a lower $95 annual fee while still earning transferable miles that can be redeemed for travel or transferred to Capital One’s more than 15 airline and hotel partners.

Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. Plus, receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year upon account opening.

Learn more: Capital One Venture Rewards Credit Card

Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

Learn more: Capital One Venture X Rewards Credit Card

Atmos Rewards Ascent

Best for: Alaska Airlines and Hawaiian Airlines flyers who want valuable perks for a reasonable annual fee.

The Atmos Rewards Ascent is currently offering one of the strongest bonuses we’ve seen in the card’s history, making it a great time to apply if you can earn the full bonus.

For a $95 annual fee, cardholders can enjoy benefits including a free checked bag for themselves and up to six guests on the same reservation and preferred boarding on Alaska Airlines and Hawaiian Airlines flights when they pay for their tickets with the card.

The card also offers an annual $99 Companion Fare (plus taxes and fees from $23) after spending $6,000 on purchases within the prior card anniversary year.

To learn more, read our full review of the Atmos Rewards Ascent.

Earn up to 80,000 bonus points and a $99 Companion Fare: Earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases in the first 90 days from account opening. Earn an additional 20,000 bonus points after spending a total of $5,000 on purchases, also in the first 90 days from account opening.

Apply here: Atmos Rewards Ascent

Bilt Palladium Card

Best for: Bilt loyalists who want strong rewards on everyday spending and valuable hotel benefits.

The premium Bilt Palladium Card is an excellent choice for those all-in on Bilt. Cardholders will earn 2 points per dollar and 4% Bilt Cash on everyday purchases, equivalent to a sky-high 4.4% return on everyday purchases, per TPG’s November 2026 valuations.

Note: Beginning Jan. 1, 2027, new cardholders will only have access to housing-only rewards. Existing cardholders who open an account by Dec. 31, 2026, can retain the 4% Bilt Cash option by opting out of the new benefits before their first card anniversary.

You’ll also receive a $400 Bilt Travel portal hotel credit each calendar year, split into two up-to-$200 semiannual credits, plus $200 in Bilt Cash each year. Starting in 2027, these benefits will be replaced with a single $600 annual Bilt Cash credit.

To learn more, read our full review of the Bilt Palladium Card.

Earn 50,000 bonus points and Gold status after spending $4,000 on everyday purchases in the first 90 days from account opening. Plus, receive $300 in Bilt Cash upon approval.

Apply here: Bilt Palladium

IHG One Rewards Premier Select Card

Best for: IHG loyalists who want premium perks.

IHG’s newly launched premium card, the IHG One Rewards Premier Select, packs a strong mix of hotel and travel benefits at a $350 annual fee.

Cardholders can earn up to 28 points per dollar on IHG purchases and get perks including up to $300 in annual food and beverage rewards to redeem at IHG properties, a $200 airline statement credit (after spending $250 directly with airlines each year) and a free night award worth up to 60,000 points.

To learn more, read our full review of the IHG One Rewards Premier Select.

Earn 200,000 points after spending $5,000 on purchases in the first three months from account opening.

Apply here: IHG One Rewards Premier Select

Southwest Rapid Rewards Priority

Best for: Frequent Southwest flyers who value premium travel perks.

The Southwest Rapid Rewards Priority is currently offering new cardholders an opportunity to give their Rapid Rewards balance a substantial boost.

It’s also one of the last opportunities to have a credit card welcome bonus count toward earning a Southwest Companion Pass. Cardholders who apply and are approved by Dec. 2, 2026, can still have their welcome-bonus points count toward Companion Pass qualification, even if they meet the spending requirement in early 2027.

For a $229 annual fee, cardholders get benefits including a free first checked bag for themselves and up to eight companions on the same reservation, preferred seat selection at booking (when available) and unlimited upgrades to extra-legroom seats within 48 hours of departure (when available).

Cardholders also receive 7,500 bonus points each account anniversary and can earn tier-qualifying points toward Southwest A-List status through spending.

To learn more, read our full review of the Southwest Rapid Rewards Priority.

Earn 90,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

Apply here: Southwest Rapid Rewards Priority

United Airlines cards

Best for: United flyers who want to earn bonus miles and enjoy airline-specific perks.

The United Explorer and United Gateway are two solid options for travelers looking to earn United MileagePlus miles, whether you’re a frequent flyer looking for travel perks or an occasional traveler who prefers a no-annual-fee card.

The Explorer offers more travel perks, including a free first checked bag for the primary cardholder and one companion on the same reservation (terms apply), priority boarding and two United Club one-time passes each anniversary year. It also comes with a $0 introductory annual fee for the first year, then $150.

Meanwhile, the Gateway is a good option for more occasional United flyers who want to earn miles without paying an annual fee. It earns bonus miles on eligible United purchases, gas stations and local transit, including ride-hailing services.

To learn more, read our full review of the United Explorer and our full review of the United Gateway.

Earn up to 80,000 bonus miles: Earn 70,000 bonus miles after spending $3,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening.

Apply here: United Explorer

Earn up to 50,000 bonus miles: Earn 40,000 bonus miles after spending $1,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening.

Apply here: United Gateway

Hilton Honors Aspire

Best for: Frequent Hilton travelers who can maximize premium hotel perks.

The Hilton Honors American Express Aspire Card is currently offering its highest-ever points welcome offer, making it a compelling option for Hilton loyalists.

The Aspire comes with automatic Hilton Honors Diamond status and an array of Hilton statement credits and travel perks that can help offset its annual fee.

To learn more, read our full review of the Hilton Honors Aspire.

Earn 200,000 bonus points after spending $6,000 on purchases in the first six months of card membership. This offer ends Jan. 13, 2027.

Apply here: Hilton Honors Aspire

Delta SkyMiles cards

Best for: Frequent Delta flyers who value premium travel perks.

Both the Delta SkyMiles Reserve American Express Card and Delta SkyMiles Reserve Business American Express Card are offering limited-time welcome offers that end Nov. 4.

The personal Reserve’s offer is particularly noteworthy, as it includes two round-trip Delta Comfort flight certificates alongside bonus miles — a first for the card.

If you fly with Delta regularly, these cards offer a range of benefits, including Delta Sky Club access (subject to limitations), free checked bags and priority boarding. Both cards also offer an annual companion certificate after renewal, which can provide additional value for frequent Delta travelers.

To learn more, check out our full review of the Delta Reserve and our full review of the Delta Reserve Business.

Earn two domestic round-trip Delta Comfort Flight Certificates (valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands) and 50,000 bonus miles after spending $10,000 on purchases in the first six months of card membership. A 21+ day advance purchase is required; up to $80 per person in taxes and fees apply. Other restrictions apply. This offer ends Nov. 4.

Apply here: Delta SkyMiles Reserve

Earn 200,000 bonus miles after spending $20,000 on purchases in the first six months of card membership. This offer ends Nov. 4.

Apply here: Delta SkyMiles Reserve Business

Bottom line

The quickest way to earn points and miles is by applying for a new credit card. If any of these offers interest you, act sooner rather than later, as several are only available for a limited time.

Remember that Chase’s 5/24 rule means that it’s often best to apply for Chase cards before other issuers’ products. If you want some guidance on what card to go for next, here’s some help on how to choose the best credit card for you.

For rates and fees of the Amex Business Platinum Card, click .
For rates and fees of the Amex Business Gold Card, click .
For rates and fees of the Amex Platinum Card, click .
For rates and fees of the Amex Gold Card, click .
For rates and fees of the Delta Reserve Amex, click .
For rates and fees of the Delta Reserve Business Amex, click .
For rates and fees of the Hilton Honors Amex Aspire, click .

Disclaimer : This story is auto aggregated by a computer programme and has not been created or edited by DOWNTHENEWS. Publisher: thepointsguy.com