The 8 best increased card offers to sign up for in January

Jan 14, 2022

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Editor’s note: This is The Points Guy’s permanent page with limited-time welcome offers to consider each month, so you can bookmark it and check back regularly for updates. 


Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide.

But to help you keep up with an ever-changing list of bonuses, we’ve also compiled a list here of the best card offers currently available — especially the ones that are worth an extra look right now because they are at all-time highs or may end soon.

This month, we are seeing some incredibly enticing offers for some of the best travel credit cards, including some cobranded hotel and airline credit cards.

The ever-popular Platinum Card® from American Express is currently offering 100,000 points after $6,000 in spending in the first six months of card membership. That’s an outstanding offer easily worth $2,000 based on TPG valuations. Meanwhile, its business counterpart, The Business Platinum Card® from American Express, is offering a whopping 120,000 points after $15,000 in spending in the first three months from account opening.

For its part, Capital One recently launched its long-anticipated Capital One Venture X Rewards Credit Card. The new premium product comes with benefits like lounge access and excellent earning rates, not to mention a fantastic introductory offer of 100,000 bonus miles after you spend $10,000 on purchases in the first six months of account opening.

Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to apply when there’s a good 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.

New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter.

In This Post

The best elevated card offers in January 2022

Card Sign-up bonus/welcome offer Welcome offer value* Annual fee 
The Platinum Card® from American Express 100,000 points after you spend $6,000 in the first six months. $2,000 $695 (see rates and fees)
Capital One Venture X Rewards Credit Card

100,000 miles after you spend $10,000 on purchases in the first six months of account opening.

For a limited time, cardholders can also get up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year.

$2,050 including the vacation rental credit $395
The Business Platinum Card® from American Express 120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership. $2,400 $695 (see rates and fees)
United Business Card Up to 150,000 miles: 75,000 miles after you spend $5,000 on purchases in the first three months and another 75,000 after you spend $20,000 total on purchases in the first six months of account opening. $1,695** $99
United Club Infinite Card 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. $904** $525
Hilton Honors American Express Surpass® Card Up to 180,000 Hilton Honors bonus points: 130,000 bonus points after you spend $2,000 in purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 bonus points after you spend a total of $10,000 in purchases on the card in the first six months. $1,080 $95 (see rates and fees)
Chase Ink Business Preferred Credit Card 100,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership. $2,000 $95
American Express® Gold Card 60,000 points after you spend $4,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply). $1,200 $250 (see rates and fees)

* Welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer.
** United mileage value is calculated based on our new data-backed methodology.

The Platinum Card® from American Express

(Photo by Ashley Kosciolek/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
100,000 Membership Rewards points after you spend $6,000 on eligible purchases with the card within the first six months of card membership. $2,000
  • 5 points per dollar on flights booked directly with airlines or with Amex Travel (on up to $500,000 on these purchases per calendar year).
  • 5 points per dollar on prepaid hotels booked with Amex Travel.
  • 1 point per dollar on other eligible purchases.
$695 (see rates and fees)

Often referred to as the king of the premium travel rewards cards, the Amex Platinum was recently refreshed and now offers even more benefits. Cardholders enjoy perks such as automatic Gold status with both Hilton Honors and Marriott Bonvoy; access to more lounges at the airport than almost any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights). On top of that, you’ll get up to $200 in annual airline fee statement credits, an up-to-$200 hotel statement credit to use toward prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel, and an up-to-$179 Clear membership statement credit, along with numerous other benefits. Enrollment is required for select benefits.

Related: It’s a ‘lifestyle’ card now: A closer look at the Amex Platinum’s 6 new benefits

New non-travel benefits include an up-to-$240 digital entertainment statement credit (split into monthly $20 credits) to use for Audible, The New York Times, SiriusXM or Peacock, an up-to-$155 Walmart+ credit, an up-to-$300 SoulCycle bike credit and an up-to-$300 Equinox statement credit for eligible Equinox memberships (up to $25 in monthly credit). You also receive Uber VIP status and up to $200 in annual Uber Cash (split into monthly $15 credits for U.S. rides plus a $20 bonus in December). Enrollment is required for select benefits.

Read our review of the American Express Platinum Card.


Official application link: The Platinum Card® from American Express with 100,000 points after you spend $6,000 on purchases in the first six months of card membership.


Capital One Venture X Rewards Credit Card

(Photo by John Gribben for The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
100,000 miles after you spend $10,000 on eligible purchases with the card within the first six months.

For a limited time, cardholders can also get up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year.

$1,850
  • 10 miles per dollar on hotels and car rentals booked via Capital One Travel.
  • 5 miles per dollar on flights booked via Capital One Travel.
  • 2 miles per dollar on everything else.
$395

Capital One recently launched its first-ever premium rewards card and it is one of the most exciting new travel credit cards to come around in a long time, thanks to great earning rates and incredible perks.

Not only is it currently offering an incredible welcome bonus of 100,000 miles after you spend $10,000 on purchases in the first six months –worth $1,850 according to our valuations thanks to Capital One’s excellent airline and hotel transfer partners – but for a limited time, cardholders can also get up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year.

The card gives members up to $300 back in statement credits annually for bookings made through Capital One Travel and 10,000 bonus miles every account anniversary, starting on their first anniversary (worth $100 toward travel, or $185 by our valuations).

As for earning rates, the Venture X racks up 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel, and an unlimited 2 miles per dollar on everything else. Frequent travelers will also enjoy taking advantage of access to Capital One’s developing network of airport lounges as well as the ability to enroll for Priority Pass membership for entry into more than 1,300 lounge locations worldwide.

Related: The 8 most pressing questions about the new Capital One Venture X card


Official application link: Capital One Venture X Rewards Credit Card with 100,000 bonus miles after you spend $10,000 on purchases in the first six months from account opening.


The Business Platinum Card® from American Express

(Photo by Ryan Patterson/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership. $2,400
  • 5 points per dollar on flights and prepaid hotels booked at American Express Travel.
  • 1.5x points 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.
  • 1 point per dollar on other eligible purchases.
$695 (see rates and fees)

This business card stands out for its travel perks. Cardholders enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with numerous other benefits. Cardholders get access to more lounges at the airport than almost any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (when traveling on same-day Delta flights). Enrollment is required for select benefits.

Related: Amex refreshes Business Platinum Card with new perks, higher annual fee and a 120,000-point bonus

On top of that, the card comes with up to $200 in annual airline fee statement credits and a 35% points rebate for flights booked through Amex Travel in first or business class on any airline (up to 1 million points back per calendar year), or in any class on the U.S. airline of your choice each year. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases, up to $360 in credits toward Indeed, up to $150 toward select Adobe purchases and up to $120 toward wireless telephone services. Enrollment is required for select benefits.

Read our review of the American Express Business Platinum Card.


Official application link: The Business Platinum Card® from American Express with 120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.


United Business Card

(Photo by John Gribben for The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
Up to 150,000 miles: 75,000 miles after you spend $5,000 on purchases in the first three months and another 75,000 after you spend $20,000 total on purchases in the first six months. $1,695
  • 2 miles per dollar on United purchases.
  • 2 miles per dollar on dining.
  • 2 miles per dollar at gas stations.
  • 2 miles per dollar at office supply stores.
  • 2 miles per dollar on local transit.
  • 1 mile per dollar on all other purchases.
$99

Although welcome offers have risen dramatically in recent years, it’s still rare to come across one quite so lucrative. If you’re a small-business owner and can hit the tiered spending thresholds of $5,000 within three months and $20,000 within six months, then you’ll end up with an eye-popping haul of 150,000 United miles, worth around $1,695 by our estimation. That’s enough for plenty of great awards, such as business class between the U.S. and Europe on United and its partners, or over a dozen cheap flights within the U.S. thanks to frequent award sales.

What’s more, this card is a strong everyday earner thanks to its plethora of bonus categories, meaning you can use it for most of your purchases and be sure of a good return on your spending. Use the card to make seven United purchases (including things like Economy Plus seat fees) each year and get a $100 United travel credit.

Among the day-of-travel perks cardholders can expect are a free checked bag for themselves and a companion on the same reservation when flying United, priority boarding, 25% back on United inflight purchases and two one-time United Club passes each account year.

Read our review of the United Business Card.


Official application link: United Business Card with up to 150,000 miles. 


United Club Infinite Card

(Photo by Eric Helgas/The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. $904
  • 4 miles per dollar on United purchases.
  • 2 miles per dollar on all other travel and dining purchases.
  • 1 mile per dollar on other purchases.
$525

If you’re even an occasional United flyer, you can get tremendous value from the airline’s most premium personal card. That’s because its main perk is United Club membership, which otherwise costs up to $650 per year, so you and two guests can access United Clubs and select Star Alliance lounges when flying United and its partners.

Cardholders can supercharge their earnings on United purchases with a whopping 4 miles per dollar. They also enjoy elite-like benefits when flying the airline, including two free checked bags (for the primary cardholder and one traveling companion on the same reservation paid for with the card), Premier Access (which includes priority access for check-in, security screening where available, boarding and baggage handling), 25% back on United inflight purchases, expanded award availability and more.

This card also includes comprehensive travel and purchase protections, including trip interruption and cancellation coverage, trip delay protection, baggage delay insurance and more.

Read our review of the United Club Infinite Card.


Official application link: United Club Infinite Card with 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. 


Hilton Honors American Express Surpass® Card

(Photo by Wyatt Smith/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
Up to 180,000 Hilton Honors bonus points: 130,000 bonus points after you spend $2,000 on purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 bonus points after you spend a total of $10,000 on purchases on the card in the first six months. Up to $1,080
  • 12 points per dollar spent on eligible purchases at hotels and resorts in the Hilton portfolio (a 7.2% return based on TPG valuations).
  • 6 points per dollar spent at U.S. supermarkets, U.S. restaurants and U.S. gas stations.
  • 3 points per dollar on other eligible purchases.
$95 (see rates and fees)

The Hilton Surpass is one of the best mid-tier hotel cards available. Its welcome offer is very generous, given its manageably low spending requirement. The ongoing earning rates also outrank its competition. Benefits include 10 Priority Pass lounge access passes each year (enrollment required), complimentary Hilton Gold elite status and a pathway to earning Diamond status. Additionally, you can earn a weekend night reward redeemable at any Hilton Honors property after you make $15,000 in purchases on your card in a calendar year.

Read our review of the Hilton Honors Surpass.


Official application link: Hilton Honors American Express Surpass® Card with 180,000 Hilton Honors bonus points.


Chase Ink Business Preferred Credit Card

(Photo by John Gribben for The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
100,000 points after you spend $15,000 on purchases with the card within the first three months of account opening. $2,000
  • 3 points per dollar on travel; shipping purchases; internet, cable and phone services; and advertising on social media sites and search engines (on the first $150,000 spent in combined bonus category spending each cardmember year, then 1 per dollar).
  • 1 point per dollar on other purchases.
$95

According to TPG’s valuations, this card’s welcome bonus alone is worth $2,000 since you can take advantage of Chase’s excellent collection of airline and hotel transfer partners. Points redeemed through the Chase travel portal are worth 1.25 cents each, which isn’t bad, either.

Another factor in this card’s favor? Those tremendous earning rates. Depending on which categories you spend in, you could earn a whopping 450,000 bonus points per year if you maxed out that $150,000 cap.

Among the Ink Business Preferred’s unsung benefits are cellphone protection, primary rental car coverage (when renting for business purposes) and other travel and purchase protections. You can also add employee cards to your account for free.

Read our full review of the Ink Business Preferred Credit Card.


Official application link: Chase Ink Business Preferred Credit Card with 100,000 bonus points after you spend $15,000 on eligible purchases with the card within the first three months of account opening.


American Express® Gold Card

(Photo by Wyatt Smith/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
60,000 points after you spend $4,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply). $1,200
  • 4 points per dollar on dining at restaurants, including takeout and delivery.
  • 4 points per dollar at U.S. supermarkets on up to $25,000 in purchases per calendar year.
  • 3 points per dollar on flights booked directly with airlines or through Amex Travel.
  • 1 point per dollar on all other eligible purchases.
$250 (see rates and fees)

While this technically isn’t a limited-time offer, you can often find elevated welcome offers through the CardMatch tool. For example, the American Express Gold Card, with a $250 annual fee (see rates and fees), features a public welcome offer of 60,000 points after you spend $4,000 on eligible purchases within the first six months. However, some new customers can earn a 75,000-point welcome offer via the CardMatch tool after meeting the same minimum spending requirements. Please note that these elevated offers are targeted and subject to change at any time.

Read our review of the American Express Gold Card.


Official application link: American Express® Gold Card with 60,000 points after you spend $4,000 in the first six months of card membership.


* Bonus offer value is based on TPG valuations and not provided by issuers. 

For rates and fees of the Hilton Surpass card, click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold card, click here.

Additional reporting by Eric Rosen.

Featured photo by Orli Friedman/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the 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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.