Check Out the Best Credit Card Offers of the Month (January, 2026)

Check Out the Best Credit Card Offers of the Month

If you’re wondering what are the best credit card offers available right now, this list is for you. Here you can find the best available credit card bonuses for this month, ranked by the approximate value of the bonus.

The value is obviously not an exact science, and it can vary widely based on your favorite hotel and airline program. It can also vary based on what destinations you’re chasing, or the way you like to travel. You also need to look at the annual fees and the ongoing perks and benefits that each card provides. That can easily tip the scale one way or the other.

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Amex Business Platinum Card: 200K-300K

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Amex Business Gold Card: 100K-200K

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Chase Sapphire Reserve for Business: 200K

• Best Ever Bonus: Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• Approx. Bonus Value: $3,200
• $795 Annual Fee
• READ MORE

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Chase Ink Business Preferred: 100K

• Welcome Bonus: Earn 100,000 Ultimate Rewards points after you spend $8,000 within the first three months.
• Approx. Bonus Value: $1,600
• $95 Annual Fee
• READ MORE

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Citi Strata Elite: 100K

• Welcome Bonus: Earn 100,000 bonus points after spending $6,000 in the first 3 months of card membership.
• Approx. Bonus Value: $1,400
• $595 Annual Fee
• READ MORE

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Capital One Venture Rewards: 75K+$250

• Welcome Bonus: Earn one-time $250 Capital One Travel credit (valid for one year) at account opening and can earn 75,000 bonus miles ($750 in travel) after spending $4,000 within the first three months
• Approx. Bonus Value: $1,300
• $95 Annual Fee
• LEARN MORE

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Chase Ink Business Unlimited: 75K

• Welcome Bonus: Earn $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months.
• Approx. Bonus Value: $1,200
• No Annual Fee
• READ MORE

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Chase Marriott Bonvoy Boundless: 5 Free Nights

• Welcome Bonus: Earn 5 Free Nights after you spend $3,000 on eligible purchases within the first 3 months from account opening with your Marriott Bonvoy Boundless credit card. Each night has a redemption value up to 50,000 points and will have an expiration of 12 months.
• Approx. Bonus Value: $1,200
• $95 Annual Fee
• READ MORE

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Citi / AAdvantage Globe Mastercard: 90K

• Welcome Bonus: Earn 90,000 AAdvantage® bonus miles after $5,000 in purchases within the first 4 months of account opening.
• Approx. Bonus Value: $1,080
• $350 Annual Fee
• Expires 3/11/2026
• READ MORE

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Capital One Venture X Rewards: 75K

• Welcome Bonus: Earn 75,000 Bonus Miles once you spend $4,000 on purchases with your new Capital One Venture X Credit Card within the first 3 months from account opening.
• Approx. Bonus Value: $1,050
• $395 Annual Fee
• LEARN MORE

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Bank of America Atmos Rewards Ascent Card: 80K

• Welcome Bonus: Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you spend $4,000 or more on purchases within the first 120 days of opening your account.
• Approx. Bonus Value: $1,040
• $95 Annual Fee
• READ MORE

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Chase World of Hyatt Credit Card: 5 Free Nights

• Welcome Bonus: Earn 3 free nights at any participating Category 1-4 Hyatt hotel after spending $5,000 on purchases in the first 3 months of account opening AND 2 additional free nights at any of those hotels after spending $15,000 on purchases in the first 6 months.
• Approx. Bonus Value: $1,000
• $95 Annual Fee
• READ MORE

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Chase Ink Business Premier: $1,000

• Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
• Approx. Bonus Value: $1,000
• $195 Annual Fee
• READ MORE

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Chase Avios Cards: 90K

• Welcome Bonus: Earn 90,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Approx. Bonus Value: $990
• $95 Annual Fee
• READ MORE

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Citi AAdvantage Platinum Select Card: 80K

• Welcome Bonus: Earn 80,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 4 months of account opening.
• Approx. Bonus Value: $1,080
• $0 intro annual fee for the first year, then $99
• Ends 3/31/2026
• READ MORE

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Amex Delta Gold Business: 90K

• Welcome Bonus: Earn 90,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. 
• Approx. Bonus Value: $900
• $0 intro annual fee for the first year, then $150.
• READ MORE

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Chase Air France KLM Visa Signature Card: 75K + 100 XP

• Best Ever Bonus: Earn 70,000 Bonus Miles + 100 Experience Points (XP) when you make $3,000 or more in purchases within the first 90 days of your account opening.
• Approx. Bonus Value: $750
• $89 Annual Fee
• READ MORE

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Chase IHG One Rewards Premier Credit Card: 175K

• Welcome Bonus: Earn 175,000 Bonus Points after spending $5,000 within 3 months from account opening.
• Approx. Bonus Value: $700
• $99 Annual Fee
• READ MORE

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Bank of America Premium Rewards Elite: 75K

• Best Ever Welcome Bonus: Earn 75,000 bonus points after you make at least $5,000 in purchases in the first 90 days of account opening.
• Approx. Bonus Value: $750
• $550 Annual Fee
• READ MORE

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How Bonus Value is Calculated

Here are the point valuations used for the “Approx. Bonus Value”:

Loyalty Program	Value (cents per point)
Amtrak Guest Rewards	2.5 cpp
Bilt Rewards	1.7 cpp
Chase Ultimate Rewards	1.6 cpp
American Express Membership Rewards	1.5 cpp
Citi ThankYou	1.4 cpp
Capital One Miles	1.4 cpp
World of Hyatt Points	1.4 cpp
Atmos Rewards	1.3 cpp
Wells Fargo Rewards	1.2 cpp
American Airlines AAdvantage Miles	1.2 cpp
Air Canada Aeroplan	1.1 cpp
United MileagePlus Miles	1.1 cpp
JetBlue TrueBlue Points	1.1 cpp
Avios	1.1 cpp
Southwest Rapid Rewards	1.1 cpp
Air France/KLM Miles	1.0 cpp
Delta SkyMiles	1.0 cpp
Wyndham Rewards	0.9 cpp
Choice Hotels Points	0.5 cpp
Marriott Bonvoy Points	0.5 cpp
IHG One Rewards	0.4 cpp
Hilton Honors Points	0.35 cpp

The valuation for other credits that are part of the welcome bonus is usually just done at my discretion, but you can always chime in and leave a comment if you think it is not realistic.

Best Credit Card Offers: Guru’s Wrap-up

This list of the best credit card offers is continuously updated, so you can bookmark it and check it every month. This list includes credit cards offers that are widely available in most or all states, and issued by major banks such as Chase, American Express, Citi, Bank of America and more.

Before applying for a card, you should also consider the application rules for each credit card issuer. Chase for example has a 5/24 rule, so you need to take that into account when applying for a credit card. Other issuers also have their own set of rules when it comes to the maximum credit card that you can have, or the frequency of applications. There are also family rules for Chase, Citi and more recently American Express.

Let us know what your favorite offers are, and you can always suggest other credit card bonuses that are not listed above.