Act fast: The 13 best increased card offers to sign up for in September

3d ago

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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 Chase Sapphire Preferred Card is currently at a historic high, offering 100,000 bonus points with $4,000 in spending in the first three months from account opening. That’s an outstanding offer easily worth $1,250-$2,000, when either redeemed through Chase Ultimate Rewards or based on TPG valuations. There’s also a massive 100,000-point offer (after meeting minimum spending requirements) on The Platinum Card® from American Express, which was 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 September

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, 10x 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)
Chase Sapphire Preferred Card 100,000 points after $4,000 in spending in the first three months of account opening. $2,000 $95
Citi Premier® Card 80,000 ThankYou points after $4,000 in spending in the first three months of account opening. $1,360 $95
World of Hyatt Credit Card Up to 60,000 bonus points: 30,000 bonus points after spending $3,000 on purchases within the first three months from account opening. Plus, up to 30,000 more bonus points by earning two bonus points total per $1 spent on purchases that normally earn one bonus point, on up to $15,000 in the first six months of account opening.

If you apply by Sept. 30, 2021, you’ll also receive two tier-qualifying night credits for each eligible night stayed through Dec. 31, 2021.

$1,020 $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 and fees)
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 11/10/2021. $770 $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 (MQMs) 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 11/10/2021. $990 (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 (MQMs) 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 11/10/2021 $880 (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 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 2 bonus Free Night Awards (valued up to 50,000 points each in eligible purchases) after you spend $5,000  within the first three months of card membership. Up to $1,800 $125 (see rates and fees)
Chase Sapphire Reserve  60,000 points after spending $4,000 in the first three months of card membership. $1,200 $550
The Business Platinum Card® from American Express 100,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership. $2,000 $595 (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

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 6 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 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

Chase Sapphire Preferred Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
100,000 bonus points after $4,000 in spending in the first three months from account opening. $2,000
  • 5 points per dollar on all travel purchased through Chase Ultimate Rewards.
  • 3 points per dollar on dining, including eligible delivery services, takeout and dining out.
  • 3 points per dollar on select streaming services.
  • 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 2 points per dollar on all other travel.
  • 1 point per dollar on all other purchases.
$95

There’s never been a better time than now to get the Sapphire Preferred. After 12 years, the card is offering its highest sign-up bonus — ever.

If you can’t quite justify the Sapphire Reserve’s annual fee, or you just want as many sign-up bonus points as possible, you may find that the Chase Sapphire Preferred is a better fit. It earns 5x total points on all travel purchased through Chase Ultimate Rewards; 3x points on dining, including eligible delivery services, takeout and dining out; 3x points on select streaming services; 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs); 2x points on all other travel; and 1x points on all other purchases.

The points you earn with this card can be transferred to Chase’s airline and hotel partners or redeemed for 1.25 cents each through the Chase Ultimate Rewards portal. Benefits include a $50 annual credit on hotel stays purchased through Ultimate Rewards, 12 months of DashPass membership (after activating by Dec. 31), primary rental car coverage, up to $500 in trip delay reimbursement if you’re delayed more than 12 hours or overnight, up to $10,000 in trip cancellation and interruption insurance and up to $100 per day for up to five days in baggage delay reimbursement if your bag is delayed more than six hours.

Read our review of the Chase Sapphire Preferred.

APPLY HERE: Chase Sapphire Preferred

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 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

World of Hyatt Credit Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
Up to 60,000 bonus points: 30,000 bonus points after spending $3,000 on purchases within the first 3 months from account opening. Plus, up to 30,000 more bonus points by earning 2 bonus points total per $1 spent on purchases that normally earn 1 bonus point, on up to $15,000 in the first six months of account opening. If you apply by Sept. 30, you’ll also receive 2 tier-qualifying night credits for each eligible night stayed through Dec. 31. $1,020
  • 4 points per dollar on Hyatt stays and experiences.
  • 2 points per dollar on local transit and commuting.
  • 2 points per dollar on airfare purchased directly with the airline.
  • 2 points per dollar on fitness clubs and gym memberships.
  • 1 point per dollar on everything else (not including the 2x bonus on the first $15,000 spent in the first 6 months of new card ownership).
$95

Key benefits include an annual free-night certificate that can be redeemed at any Category 1-4 Hyatt property, plus a second free night after spending $15,000 in a calendar year. The card also helps you fast-track World of Hyatt elite status. You’ll get automatic Discoverist status simply by having the card, which comes with benefits such as late checkout, preferred rooms and a 10% points bonus on eligible purchases. Then, you can earn nights toward a higher level of status with spending on the card at a rate of two nights for $5,000 spent on the card. Other perks include various travel protections and no foreign transaction fees.

APPLY HERE: World of Hyatt Credit 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 3 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.

APPLY HERE: Hilton Honors American Express Surpass 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 11/10/2021 $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 (MQMs) 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 11/10/2021. $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 (MQMs) 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 11/10/2021. $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 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 eligible Marriott Bonvoy purchases.
  • 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 2 bonus Free Night Awards (valued 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 Marriott Bonvoy purchases.
  • 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 at hotels costing up to 35,000 points, the ability to earn a second 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

Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
60,000 bonus points after you spend $4,000 in the first three months from account opening. $1,200
  • 10 points per dollar on Lyft purchases through March 2022.
  • 10 points per dollar on Chase Dining booked through Ultimate Rewards.
  • 10 points per dollar on hotel and car rental purchases through the Ultimate Rewards travel portal.
  • 5 points per dollar on airline travel booked through the Ultimate Rewards portal.
  • 3 points per dollar on all other travel and dining.
  • 1 point per dollar on everything else.

 

$550

This is one of the best premium credit cards available. It earns a whopping 10 points per dollar on Lyft through March 2022, Chase Dining booked through Ultimate Rewards, and hotel and car rental purchases through the Ultimate Rewards Travel portal. Cardholders will also earn 5 points per dollar on airline travel booked through the Ultimate Rewards Travel portal, 3x on travel (after using the $300 travel credit) and dining, and 1x on everything else.

Chase defines travel and dining quite broadly, including everything from parking fees to Airbnb stays and food delivery orders. Perks of the card include a $300 annual travel creditLyft Pink membershipPriority Pass membership, up to $60 per year in DoorDash credits (at least for 2021), a complimentary DashPass membership and an impressive array of travel protections.

Read our review of the Chase Sapphire Reserve.

APPLY HERE: Chase Sapphire Reserve

The Business Platinum Card® from American Express

(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 eligible purchases with the card within the first three months of card membership. $2,000
  • 5 points per dollar on flights and prepaid hotels booked at American Express Travel
  • 1.5 points per dollar on purchases over $5,000 (up to 1 million additional points per year).
  • 1 point per dollar everywhere else.
$595 (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 $200 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), offers 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 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 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.