✈ Cards With at Least $1,000 in First-Year Value, BOGO Flights & More Daily News From TPG ✈

August 26, 2024

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These cards have outsize first-year value

by Katie Genter, Lead writer

Whenever I apply for a new rewards credit card, I usually have one of two motivations for doing so. On one hand, I might want access to the card’s benefits, such as lounge access, elite status or high earning rates for specific spending categories.

But other times, it’s a high first-year value that I’m after, and that usually means a big sign-up bonus.

If you fall into that second camp, you may want to know that we regularly update our list of credit cards that can get you $1,000 or more in first-year value. Currently at the top of our list is The Business Platinum Card® from American Express, giving new cardmembers an estimated net first-year value of $3,844 based on TPG’s August valuations.

But sitting in the still-very-high third spot on our list is the Ink Business Preferred® Credit Card, which our valuations put at $2,365 in net value for new cardholders in the first year. The current limited-time welcome bonus of 120,000 points after you spend $8,000 on the card within three months of account opening is the best offer we’ve ever seen for this card, and it’s only available until Sept. 5.

If you’re looking for a consumer card, the Capital One Venture Rewards Credit Card also ranks high on our list, with an estimated $1,643 in net first-year value for new cardmembers based on our valuations. This one also has a value-packed limited-time welcome offer of 75,000 bonus miles after you spend $4,000 on purchases in the first three months from account opening, plus new cardholders get a $250 Capital One Travel credit in their first year. This offer is also ending soon.

Rounding out our list is the ever-popular American Express® Gold Card, with $1,215 in estimated net first-year value based on our valuations. To learn more about welcome bonuses and getting value from a new card, check out the following stories:

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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.

Editorial Note: 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.

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