Last checked: October 1, 2026. Welcome offers change quickly, and the same card may show different bonuses depending on the applicant or the application link. These are the 30 offers I’m watching this month, in the order I’d look into them—not a claim that the first card is right for everyone. The linked sources are a starting point; the offer and terms on your own application page are what matter.
I revisit welcome bonuses every month. A headline comparison of “200,000 points versus 100,000 points” tells me very little because the programs differ, and both the annual fee and spending requirement belong in the calculation. My rough starting point is bonus points × my estimated value per point, minus the first-year annual fee. I count a one-time credit only if I would use it anyway, and I never create extra spending just to reach a threshold.
My working estimates are 1.75¢ for Amex Membership Rewards, 2.0¢ for Chase Ultimate Rewards, 1.65¢ for Capital One miles, 1.45¢ for AA miles, 1.2¢ for Delta SkyMiles, 1.35¢ for JetBlue TrueBlue, 1.45¢ for Wells Fargo Rewards, 1.6¢ for Hyatt, and 0.7¢ each for Marriott and Wyndham. These are comparison tools, not cash values promised by an issuer; the points valuation tool covers more programs. An “up to” offer is not guaranteed, while items marked “recheck” belong on my watchlist rather than being confirmed public offers.
1. Amex Business Platinum
Up to 300,000 MR after $20,000 in three months; $895 annual fee. If I actually receive 300,000 points, I value them at about $5,250, or roughly $4,355 after the first-year fee—hard to ignore in absolute terms. But spending $20,000 in three months makes sense only for a business that would incur those expenses anyway. Amex advertises a maximum, not a promise that every applicant will get 300,000 points.
2. Amex Business Gold
Up to 200,000 MR after $15,000 in three months; $375 annual fee. At my 1.75¢ estimate, the points are worth about $3,500, or $3,125 after the fee. If I mainly wanted a large MR bonus rather than premium travel benefits, I find this calculation cleaner than Business Platinum’s; the $15,000 still needs to be ordinary business spending. The 200,000-point figure is an “as high as” offer.
3. Chase Sapphire Reserve for Business
200,000 UR after $30,000 in six months; $795 annual fee. On my scale, that’s about $4,000 in points and $3,205 after the fee, and the advertised number isn’t phrased as “up to.” The catch is a $30,000 spending threshold, one of the steepest on this list. I’d consider it only if normal business expenses and cash flow could clear that bar; Chase lists the full terms.
4. Amex Platinum
Up to 175,000 MR after $12,000 in six months; $895 annual fee. I estimate the points at about $3,063, leaving roughly $2,168 after the first-year fee. Platinum has hotel, Resy, airline, and lounge benefits too, but I don’t stack every recurring credit at face value on top of a welcome bonus I am trying to compare fairly. As with other Amex maximum offers, your actual offer may be lower.
5. Chase Ink Business Cash
Up to $1,000 cash back after $8,000 in four months; no annual fee. A large bonus without a fee always gets my attention, but I start by treating this as $1,000 in cash. Pairing it with an eligible Chase card may allow more valuable travel redemptions, yet a hoped-for $2,000 redemption is not guaranteed. Chase has shown different bonuses through different application paths, so I check the page I’m actually using.
6. Chase Ink Business Unlimited
Up to $1,000 cash back after $8,000 in four months; no annual fee. Its welcome-offer math is nearly identical to Ink Cash’s, so I wouldn’t force a meaningful gap between fifth and sixth place. For a card I’d keep, the more useful difference is whether I want straightforward everyday cash back or can use Ink Cash’s bonus categories. Again, the application-page offer is the one that counts.
7. Chase Ink Business Preferred
100,000 UR after $8,000 in three months; $95 annual fee. I value the points at about $2,000, or $1,905 after the fee. Personally, I like this balance: the bonus is substantial and the threshold is serious without reaching $20,000 or $30,000. Chase lays out the terms clearly.
8. Delta SkyMiles Reserve Business
200,000 SkyMiles after $20,000 in six months; $650 annual fee. Even at my relatively modest 1.2¢ per mile, that is roughly $2,400 in miles or $1,750 after the fee. Delta miles are less flexible than MR or UR, and the spending requirement is high, so I’d reserve this for a business traveler who already flies Delta and has the required expenses. Amex currently gives November 4, 2026 as the offer end date.
9. Capital One Venture Business
100,000 miles after $10,000 in three months; $95 annual fee. At my 1.65¢ estimate, the miles are worth about $1,650, or $1,555 after the fee. I like that I don’t have to assign inflated values to a long set of premium-card coupons to see the appeal. For a business with genuine spending, Capital One’s public terms are straightforward.
10. Capital One Venture
75,000 miles plus up to $300 in Travel Stays credit after $4,000 in three months; $95 annual fee. The miles come to about $1,238 on my scale, or $1,143 after the fee; I keep the $300 credit separate. It approaches $300 in value if I would have booked an eligible hotel or vacation rental through Capital One Travel anyway. If using it pushes me into a more expensive stay, I discount it accordingly; the issuer explains the restrictions.
11. Amex Gold
Up to 100,000 MR after $8,000 in six months; $325 annual fee. At my estimate, the points are worth $1,750, or about $1,425 after the fee. Both the fee and spending requirement are gentler than Platinum’s, making the first-year value easier to capture if I don’t need premium hotel and lounge benefits. The 100,000-point offer is a maximum, not everyone’s offer.
12. Delta SkyMiles Gold Business
90,000 SkyMiles after $6,000 in six months; $0 first-year annual fee. That is about $1,080 in estimated miles, and the waived first-year fee keeps the math simple. If I just want SkyMiles rather than paying Reserve’s fee for lounge benefits, this tier feels easier to justify. Amex currently marks the promotion as ending November 4.
13. Citi / AAdvantage Executive
125,000 AA miles after $15,000 in five months; $695 annual fee. I estimate the miles at about $1,813, or $1,118 after the fee. The bonus is meaningful, but so are the spending requirement and fee. I’d first ask whether I’d regularly fly American and use lasting benefits such as Admirals Club access; Citi publishes the limited-time terms.
14. Delta SkyMiles Gold through a flight-booking path
An observed offer of about 50,000 SkyMiles plus up to $400 in statement credits; roughly $2,000 in spending; $0 first-year fee. The miles are worth about $600 to me, and a credit I could actually use would add to that. But this type of deal may appear only during a particular Delta booking flow, so I am labeling it YMMV and unconfirmed, not a public offer everyone can obtain. I would rely on my own final application page. Deal-tracking source
15. Citi / AAdvantage Globe
90,000 AA miles after $5,000 in four months; $350 annual fee. I estimate the points at $1,305 and the net after the fee at $955. For someone who wants AA miles but not Executive’s higher annual fee, this is easier to consider. The elevated bonus may require a particular application link, which I would verify before applying.
16. JetBlue Plus
An observed maximum of roughly 75,000 TrueBlue points; $99 annual fee; spending terms need rechecking. On my scale, that would be about $1,013 in points, or $914 after the fee. The original attraction was a relatively light spending requirement, but I could not confirm the 75,000-point version and precise terms with the issuer this time. It stays on the watchlist, not among the confirmed public offers. Deal-tracking source
17. World of Hyatt Business
70,000 Hyatt points after $7,000 in three months; $199 annual fee. Hyatt doesn’t need a six-figure bonus to interest me: at 1.6¢ per point, this is roughly $1,120 in points, or $921 after the fee. If I already expect to stay at Hyatt, it can be more useful than a larger hotel-points headline. I would still check the specific application path.
18. Delta SkyMiles Platinum Business
100,000 SkyMiles after $8,000 in six months; $350 annual fee. The miles come to about $1,200 on my scale, or $850 after the fee, placing it between Delta Gold and Reserve in both ambition and cost. If I cared only about the first-year bonus, Gold Business’s waived fee might win; if I would use Platinum’s ongoing Delta benefits, this card has a place. Amex currently lists a November 4 end date.
19. Wells Fargo Autograph Journey
An observed 60,000-point offer after about $4,000 in spending; $95 annual fee. Using this site’s 1.45¢ estimate for Wells Fargo Rewards, I get about $870 in points, or $775 after the fee. The threshold is more approachable than those of the business cards above, and the points have transfer options. I have not confirmed the full public terms of this particular 60,000-point offer, so it remains unconfirmed. Deal-tracking source
20. Marriott Bonvoy Bevy
An observed 125,000 Marriott points plus up to $150 in credit after about $5,000 in spending; $250 annual fee. At 0.7¢ per point, the points are worth about $875, or $625 after the fee; I’d add the credit only if I could use it. A “no lifetime language” link may matter to someone who held the card before, but it does not guarantee bonus eligibility. I would verify my own terms carefully. Deal-tracking source
21. Chase Ink Business Premier
$1,000 cash back after $10,000 in three months; $195 annual fee. This isn’t a debate about point valuations: the bonus less the fee is about $805 in cash. I appreciate that simplicity when I don’t want to study transfer partners. Nor would I treat Premier like Ink Preferred: Chase says its rewards cannot move to other Chase cards or travel partners. Current card page
22. Capital One Spark Cash Select
An observed $750 cash bonus after about $6,000 in spending; no annual fee. For a small business owner who wants cash, this could be more useful than airline miles with a higher theoretical value but difficult redemptions. The math is wonderfully simple. I haven’t confirmed the full terms of this exact $750 version with the issuer, so it remains unconfirmed. Deal-tracking source
23. U.S. Bank Triple Cash Business
An observed $750 cash bonus after about $6,000 in 180 days; no annual fee. Like Spark Cash Select, it offers an easy-to-understand return. If the 180-day window applies, many small businesses will find it more comfortable than a three-month deadline. I would verify both the amount and time window on the application page; for now, this is a watchlist entry. Deal-tracking source
24. Marriott Bonvoy Brilliant
An observed 150,000 Marriott points plus up to $250 in credit after about $6,000 in spending; $650 annual fee. My points estimate is $1,050, but only about $400 after the fee, before considering whether the credit is useful. That doesn’t make Brilliant a bad card: its annual free-night certificate and status may have considerable ongoing value for the right traveler. This list deliberately focuses on the welcome offer, and both the NLL application path and bonus eligibility need checking. Deal-tracking source
25. Wyndham Earner+
An observed offer of about 100,000 Wyndham points; roughly $95 annual fee; spending terms need rechecking. At 0.7¢ per point, that’s about $700 in estimated points, or $605 after the fee. A six-figure Wyndham bonus cannot be compared directly with six figures of Hyatt points. I could not confirm this exact current 100,000-point version with the issuer, so it remains unconfirmed. Product and offer tracker
26. Wyndham Earner Business
An observed offer of about 100,000 Wyndham points; roughly $149 annual fee; spending terms need rechecking. Using the same point estimate, the value after the fee is about $551, a little lower than Earner+‘s first-year figure. Its longer-term appeal may lie in Wyndham status and business spending categories, but that depends on how I travel. The current bonus still needs verification. Product and offer tracker
27. Wyndham Earner
An observed offer of about 75,000 Wyndham points; no annual fee; spending terms need rechecking. At 0.7¢, the points are worth about $525 on my scale, with no fee to subtract. I like including a no-fee card: a usable $525 may beat a larger bonus attached to an expensive card and an awkward redemption. I would still confirm this 75,000-point offer on the application page. Product and offer tracker
28. Bank of America Premium Rewards
An observed offer of about 60,000 points; $95 annual fee; spending terms need rechecking. At a straightforward 1¢ cash-redemption baseline, 60,000 points mean roughly $600, or $505 after the fee, without imagining a business-class award. The card also has an eligible airline-incidental benefit, but I don’t force an annual benefit into the first-year bonus calculation. I would confirm the 60,000-point offer on Bank of America’s application page.
29. BofA Business Advantage Customized Cash
An observed $500 cash bonus after about $5,000 in spending; no annual fee. It lacks a dramatic six-figure points headline, but $500 cash is unambiguous. If my business already has the required spending and I don’t want another rewards ecosystem, this kind of offer is easy to understand. I would recheck the exact application terms before counting on it. Deal-tracking source
30. BofA Business Advantage Unlimited Cash
An observed $500 cash bonus after about $5,000 in spending; no annual fee. Being thirtieth doesn’t make it a poor card; its absolute bonus is simply smaller than the high-spend business offers near the top. For someone who wants uncomplicated cash back and can reach $5,000 through normal expenses, it may be more practical. This particular offer remains unconfirmed until checked against an application page. Deal-tracking source
I wouldn’t recommend Business Platinum to everyone just because it appears first. If a household normally charges only $2,000 a month, a $20,000-in-three-months requirement is largely irrelevant; a Venture offer reached with $4,000 in normal spending may be the real opportunity. The point of this list is to put the currencies on roughly the same scale, then ask whether I can meet the requirement naturally, qualify for the offer, and actually use the rewards.
Never invent purchases to earn a welcome bonus, and never pay credit-card interest to get one. This math works only if I can pay the statement balance in full each month. At the next monthly update, I’ll check the offers, expiration dates, and unconfirmed entries again and update both language versions together.
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