The 14 best increased card offers to sign up for in October

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Editor’s note: This is a recurring post, regularly updated with new information.


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 compiled 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 see 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 bonus points with $6,000 in spending in the first six months from card membership. That’s an outstanding offer easily worth $2,000 based on TPG valuations. There’s also a massive 100,000-point offer (after meeting minimum spending requirements) on the consumer Southwest cards, which were just refreshed with a slew of new perks.

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.

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In This Post

The best elevated card offers in October

Card Sign-up bonus/welcome offer Welcome offer value* Annual fee 
The Platinum Card® from American Express 100,000 points after spending $6,000 in the first six months. Plus, 10 points per dollar on eligible purchases at restaurants worldwide and when you “Shop Small” in the U.S. during your first six months of card membership (on up to $25,000 in combined purchases). $2,000 $695 (see rates & fees)
Citi Premier® Card 80,000 ThankYou points after $4,000 in spending in the first three months of account opening. $1,360 $95
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 & fees)
Southwest Rapid Rewards Plus Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500 $69
Southwest Rapid Rewards Premier Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500 $99
Southwest Rapid Rewards Priority Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500 $149
Delta SkyMiles® Gold Business American Express Card 70,000 miles after spending $2,000 in purchases on your new card in your first three months of card membership. Plus, a $50 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $820 $0 introductory fee for the first year, then $99  (see rates & fees)
Delta SkyMiles® Platinum Business American Express Card 90,000 miles and 10,000 Medallion® Qualification Miles after spending $3,000 in purchases on your new card in your first three months of card membership. Plus, a $100 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $1,090 (not including the value of the MQMs) $250 (see rates & fees)
Delta SkyMiles® Reserve Business American Express Card 80,000 miles and 20,000 Medallion® Qualification Miles after spending $5,000 in purchases on your new card in your first three months of card membership. Plus, a $200 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $1,080 (not including the value of the MQMs) $550 (see rates & fees)
Marriott Bonvoy Boundless Credit Card 125,000 bonus points plus a bonus free night award (valued at up to 50,000 points) after you spend $5,000 in the first three months. Up to $1,400 $95
Marriott Bonvoy Business™ American Express® Card 125,000 Marriott bonus points plus two bonus free night awards (valued at up to 50,000 points each) after you spend $5,000 within the first three months of card membership. Offer expires Nov. 3, 2021. Up to $1,800 $125 (see rates & fees)
Marriott Bonvoy Brilliant™ American Express® Card 150,000 bonus points plus a bonus free night award (valued at up to 85,000 points) after you spend $5,000 in the first three months. Resort fees may apply. Terms apply. Offer expires Nov. 3, 2021. Up to $1,880 $450 (see rates & fees)
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 $595  ($695 if application is received on or after Jan. 13, 2022; see rates & fees)
American Express® Gold Card 60,000 points after spending $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 & fees)

* Sign-up bonus/welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer.

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
  • 10 points per dollar on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. during your first six months of card membership (on up to $25,000 in combined purchases).
  • 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 everywhere else.
$695 (see rates & fees)

Often referred to as the king of the premium travel rewards cards, the Amex Platinum was just 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 any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights); and trip cancellation/interruption and trip delay insurance. 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 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: Amex revamps Platinum Card with new ‘lifestyle-focused’ benefits, higher annual fee and big welcome bonus

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 and Peacock, and an up-to-$300 Equinox statement credit for select providers (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.

APPLY HERE: The Platinum Card from American Express

Citi Premier® Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
80,000 bonus ThankYou points after $4,000 in spending in the first three months of account opening. $1,360
  • 3 points per dollar at restaurants, supermarkets and gas stations.
  • 3 points per dollar on air travel and hotels.
  • 1 point per dollar on all other purchases.
$95

This is the card to get if you’re looking to stock up on Citi ThankYou points quickly. The bonus of 80,000 points is much better than the 60,000 points this card previously offered — and is currently the highest publicly available bonus of any ThankYou Rewards-earning card.

What makes these points so valuable is that you can transfer them to over a dozen airline partners, including some less common ones such as Turkish Airlines Miles&Smiles.

Other benefits of the card include a $100 hotel savings benefit once per calendar year when you book a single hotel stay of $500 or more through thankyou.com (excluding taxes and fees) and access to Citi Entertainment, which gives you special access to purchase tickets to thousands of events, including presale tickets.

Read our review of the Citi Premier.

APPLY HERE: Citi Premier Card

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 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. 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 all 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 spend $15,000 on purchases on your card in a calendar year.

Read our review of the Hilton Honors Surpass.

APPLY HERE: Hilton Honors American Express Surpass Card

Southwest Airlines credit cards

(Photo by Wyatt Smith/The Points Guy)
Card Sign-up bonus Sign-up bonus value* Earning rates Annual fee
Southwest Rapid Rewards Plus Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500
  • 2 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases.
  • 2 points per dollar on local transit and commuting purchases, including rideshares.
  • 2 points per dollar on internet, cable, phone services and select streaming purchases.
  • 1 point per dollar on all other purchases.
$69
Southwest Rapid Rewards Premier Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500
  • 3 points per dollar on Southwest purchases.
  • 2 points per dollar on Rapid Rewards hotel and car rental partner purchases.
  • 2 points per dollar on local transit and commuting purchases, including rideshares.
  • 2 points per dollar on internet, cable, phone services and select streaming purchases.
  • 1 point per dollar on all other purchases.
$99
Southwest Rapid Rewards Priority Credit Card Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months. $1,500
  • 3 points per dollar on Southwest purchases.
  • 2 points per dollar on Rapid Rewards hotel and car rental partner purchases.
  • 2 points per dollar on local transit and commuting purchases, including rideshares.
  • 2 points per dollar on internet, cable, phone services and select streaming purchases.
  • 1 point per dollar on all other purchases.
$149

There’s never been a better time to pick up a Southwest credit card. All three of Southwest’s cobranded cards were just refreshed with improved earnings categories and new and enhanced benefits. Some of the new benefits include two EarlyBird Check-Ins each year for Plus and Premier cardholders, as well as the ability to earn unlimited tier-qualifying points with the Priority card.

The 100,000-point offer is the best points offer yet on these cards. But here’s the real kicker: The sign-up bonus points and the points earned from everyday spending on these cards count toward earning the Southwest Companion Pass. For 2021, Southwest has lowered the Companion Pass requirements to 75 flights or 100,000 qualifying points, so you’ll be able to earn it by meeting the full sign-up bonus requirements before the end of the year. That’s a double win.

For a closer look at each of the cards, check out our comparison of the best Southwest credit cards.

APPLY HERE: Southwest Rapid Rewards Plus Credit Card
APPLY HERE: Southwest Rapid Rewards Premier Credit Card
APPLY HERE: Southwest Rapid Rewards Priority Credit Card

Delta business credit cards

(Photo by Benji Stawski/The Points Guy)
Card Welcome offer Welcome offer value* Earning rates Annual fee
Delta SkyMiles Gold Business American Express Card 70,000 miles after spending $2,000 in purchases on your new card in your first three months of card membership. Plus, a $50 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $820
  • 2 miles per dollar on eligible Delta purchases.
  • 2 miles per dollar on U.S. shipping.
  • 2 miles per dollar on U.S. advertising in select media.
  • 2 miles per dollar on dining at restaurants worldwide.
  • 1 mile per dollar on all other purchases.
$0 introductory annual fee for the first year, then $99 (see rates & fees)
Delta SkyMiles Platinum Business American Express Card 90,000 miles and 10,000 Medallion Qualification Miles after spending $3,000 in purchases on your new card in your first three months of card membership. Plus, a $100 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $1,090 (not including the value of the MQMs)
  • 3 miles per dollar on eligible Delta purchases.
  • 3 miles per dollar on eligible purchases made directly with hotels.
  • 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half-mile per dollar), up to 50,000 additional miles per year.
  • 1 mile per dollar on all other purchases.
$250 (see rates & fees)
Delta SkyMiles Reserve Business American Express Card 80,000 miles and 20,000 Medallion Qualification Miles after spending $5,000 in purchases on your new card in your first three months of card membership. Plus, a $200 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021. $1,080 (not including the value of the MQMs)
  • 3 miles per dollar on eligible Delta purchases.
  • 1.5 miles per dollar on all purchases after spending $150,000 a year.
  • 1 mile per dollar on all other purchases.
$550 (see rates & fees)

For a limited time, Delta is offering elevated offers across all of its cobranded business credit cards. They offer useful benefits such as free checked bags, priority boarding and discounts on eligible inflight purchases. The more expensive cards come with more premium benefits like lounge access and MQM spending boosts. For a closer look at each of the cards, check out our comparison of the best Delta credit cards.

APPLY HERE: Delta SkyMiles Gold Business American Express Card
APPLY HERE: Delta SkyMiles Platinum Business American Express Card
APPLY HERE: Delta SkyMiles Reserve Business American Express Card

Marriott Bonvoy Boundless Credit Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
125,000 bonus points plus a bonus free night award (valued at up to 50,000 points) after you spend $5,000 in the first three months from account opening. Up to $1,400
  • 6 points per dollar on on eligible purchases at hotels participating in the Marriott Bonvoy program.
  • 2 points per dollar on all other eligible purchases.
$95

One of the card’s biggest perks is a free annual award night worth up to 35,000 points. TPG values Marriott points at 0.8 cents each, meaning 35,000 points are worth $280. So, you only need to redeem your free night for one-third of that value to break even on your annual fee completely. Cardholders also get Silver status, with the ability to upgrade to Gold after $35,000 in annual spending on the card.

Read our review of the Marriott Bonvoy Boundless Credit Card.

APPLY HERE: Marriott Bonvoy Boundless Credit Card

Marriott Bonvoy Business™ American Express® Card

(Photo by Wyatt Smith/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
125,000 Marriott bonus points plus two bonus free night awards (valued at up to 50,000 points each) after you spend $5,000  within the first three months. Up to $1,800
  • 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program.
  • 4 points per dollar at U.S. restaurants and U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on purchases made from merchants in the U.S. for shipping.
  • 2 points per dollar on all other eligible purchases.
$125 (see rates and fees)

This card packs quite a punch, offering a massive welcome offer and higher earning rates than Marriott’s consumer version. Perks include an annual free night costing up to 35,000 points at hotels participating in the Marriott Bonvoy program, the ability to earn a second up to 35,000-point annual free night certificate after spending $60,000 in a calendar year on the card, Silver Elite status and the opportunity to fast-track higher levels of status.

Read our review of the Marriott Bonvoy Business card.

APPLY HERE: Marriott Bonvoy Business American Express Card

Marriott Bonvoy Brilliant™ American Express® Card

(Photo by Isabelle Raphael/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
150,000 bonus points plus a bonus free night award (valued at up to 85,000 points) after you spend $5,000 in the first three months. Resort fees may apply. Terms apply. Offer expires Nov. 3, 2021. Up to $1,880
  • 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program.
  • 3 points per dollar at U.S. restaurants and on flights booked directly with airlines.
  • 2 points per dollar on all other eligible purchases.
$450 (see rates & fees)

Aside from that eye-catching introductory bonus, this card comes with value-added perks aplenty. Cardholders receive automatic Gold Elite status (with the ability to fast-track to higher status), an annual free night costing up to 85,000 points at hotels participating in the Marriott Bonvoy program, and up to $300 in Marriott statement credits each year on eligible purchases at hotels participating in the Marriott Bonvoy program. Plus, since this is an Amex card, you don’t have to deal with Chase 5/24 limitations as with some other Marriott cards.

Read our review of the Marriott Bonvoy Brilliant Card.

APPLY HERE: Marriott Bonvoy Brilliant American Express Card

The Business Platinum Card® from American Express

(Photo by John Gribben for 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 everywhere else.
$595  ($695 if application is received on or after Jan. 13, 2022; see rates & 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 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.

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 500,000 points back per calendar year), or in any class on the airline of your choice each year. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases. Enrollment is required for select benefits.

Read our review of the American Express Business Platinum Card.

APPLY HERE: The Business Platinum Card from American Express

American Express® Gold Card

(Photo by Wyatt Smith/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
60,000 points after spending $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 & 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. Still, some new customers can earn a 75,000-point welcome offer after meeting the same minimum spending requirements via the CardMatch tool. Please note that these elevated offers are targeted and subject to change at any time.

Read our review of the American Express Gold Card.

APPLY HERE: American Express Gold Card

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

For rates and fees of the Hilton Surpass card, please click here.
For rates and fees of the Marriott Bonvoy Business Amex Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant Amex, please click here.
For rates and fees of the Amex Delta SkyMiles Gold Business card, click here.
For rates and fees of the Amex Delta SkyMiles Platinum Business card, click here.
For rates and fees of the Amex Delta SkyMiles Reserve Business card, click here.
For rates and fees of the Amex Business Platinum Card, please click here.
For rates and fees of the Amex Platinum card, please click here.
For rates and fees of the Amex Gold card, please click here.

Featured photo by Westend61/Getty Images.


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. 

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

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
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • 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.