Best Welcome Offer Credit Cards of June 2026

Curated and reviewed by and
Updated June 12, 2026

Welcome bonuses are the fastest way to earn outsized value from a card, often several hundred dollars to a few thousand in points for spending you'd do anyway. We rank the largest standing offers by what they're really worth after the spending requirement, the annual fee, and the issuer rules that decide whether you even qualify. Offers on this page change often, so treat the numbers as a snapshot and check the live offer before applying.

Methodology: Our team manually curates these lists using publicly available card details, issuer terms, and MaxRewards data on rewards, benefits, fees, and card features. We compare cards based on how well they fit the category, weighing factors like earning potential, welcome offers, annual fees, credits, redemption options, and ongoing value. Rankings may change as offers, terms, and card details are updated.
Annual fee
Showing 8 of 8 cards
Rewards valued by MaxRewards
Card
Welcome offer
Rewards
Annual fee
  • Best guaranteed bonus
    Learn More
    Limited Time Offer

    Last Chance!

    Earn 150,000 bonus points

    ≈ $1,875 value

    Spend $6,000 in 3 months

    10%Purchases (Chase Travel), The Edit (Chase Travel)
    5%Flights (Booked Direct), Hotels (Booked Direct)
    3.75%Dining (Worldwide)
    1.25%All Other Purchases
    $795
  • Biggest headline number
    How to Apply

    As High As 175,000 points. Find Out Your Offer.

    ≈ $1,750 value

    Spend $12,000 in 6 months

    5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
    5%Flights (Directly From Airlines), Flights (American Express Travel)
    1%Other Eligible Purchases
    $895
  • Best mid-premium bonus
    How to Apply

    You may be eligible for as high as 100,000 Membership Rewards® Points

    ≈ $1,000 value

    Spend $8,000 in 6 months

    5%Hotels (prepaid, Amex Travel)
    4%Restaurants (Worldwide)
    4%U.S. Supermarkets
    3%Flights (Amex Travel), Airlines
    $325
  • Best value for the cost
    Learn More

    Earn 75,000 bonus points

    ≈ $938 value

    Spend $5,000 in 3 months

    6.25%Travel (Chase Travel)
    3.75%Dining, Select Streaming Services, Online Groceries
    2.5%All Other Travel Purchases
    1.25%All Other Purchases
    $95
  • Best bonus on an easy spend
    How to Apply

    Earn 75,000 Miles

    ≈ $750 value

    Spend $4,000 in 3 months

    10%Hotels (Capital One Travel), Rental Cars (Capital One Travel)
    5%Flights (Capital One Travel), Vacation Rentals (Capital One Travel)
    2%Every Purchase
    $395
  • Earn 75,000 Miles

    ≈ $750 value

    Spend $4,000 in 3 months

    5%Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
    2%Every Purchase
    $95
  • Best low-spend points bonus
    How to Apply

    60,000 Points

    ≈ $600 value

    Spend $4,000 in 3 months

    10%Car Rental (cititravel.com)
    10%Entertainment (cititravel.com)
    10%Hotel (cititravel.com)
    3%Airline
    $95
  • As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back

    $300 value

    Spend $3,000 in 6 months

    6%U.S. Streaming Subscriptions
    6%U.S. Supermarkets
    3%Gas Stations (U.S.), Transit
    1%Other Purchases
    $0 intro annual fee for the first year, then $95.

The picks, explained

One offer for every kind of spender

Welcome offer
Earn 150,000 bonus points
Limited Time Offer

Last Chance!

$1,875 in value

After you spend $6,000 on purchases in the first 3 months from account opening.

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1.25¢ per Ultimate Rewards point.
Annual fee
$795
Credit
Excellent
APR
19.49% - 27.99%
FX fee
$0
Our take

The Reserve's standing offer is 125,000 points after $6,000 in spending over three months, among the largest guaranteed bonuses from any major issuer. Those points are worth 1 cent each toward travel booked through Chase, with Points Boost lifting select flights and hotels as high as 2 cents, and transfers to airline and hotel partners often beat that — comfortably north of $1,250 of value against the $795 fee, which the $300 travel credit and lounge access further blunt. Sapphire bonuses are now once per lifetime per card, so timing matters. It's the offer to grab if you've been circling a premium card anyway.

Pros
  • Largest guaranteed bonus from a major issuer
  • Points Boost and partner transfers can stretch points past face value
  • Travel credit and lounge access blunt the fee
  • Once-per-lifetime rules make a large offer the right time to apply
Cons
  • High fee and spending requirement
  • Chase's 5/24 rule blocks frequent applicants
  • Offers change often, so check the live number before applying

Biggest headline number

American Express Platinum Card®
Welcome offer
As High As 175,000 points. Find Out Your Offer.
$1,750 in value

You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1¢ per Membership Rewards point.
Annual fee
$895
Credit
Good
APR
19.49% - 28.49%
FX fee
None
Our take

The Platinum's headline reads as high as 175,000 points, the largest number on the market, but Amex personalizes it: the offer you actually see depends on your profile, and a soft-pull preview shows your real number without touching your credit. The $12,000 spending requirement over six months and $895 fee are the steepest here, partially offset by the card's deep credit stack. Amex bonuses are once per lifetime per card. It's for high spenders who preview a top-tier offer and can use the coupon book.

Pros
  • Potentially the largest bonus value available
  • Soft-pull preview shows your real offer before you apply
  • Six-month window eases the big spending requirement
  • Deep lounge access and credits soften the fee
Cons
  • Most applicants see less than the headline number
  • Highest fee and spending hurdle on this list
  • Once-per-lifetime rule blocks past Platinum bonus earners

Best mid-premium bonus

American Express® Gold Card
Welcome offer
You may be eligible for as high as 100,000 Membership Rewards® Points
$1,000 in value

After spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1¢ per Membership Rewards point.
Annual fee
$325
Credit
Good
APR
19.49% - 28.49%
FX fee
None
Our take

The Gold's offer runs as high as 100,000 points after $8,000 in spending over six months, and the $325 fee fights back with $424 in annual dining, Uber, Resy, and Dunkin' credits. Four points per dollar at restaurants and U.S. supermarkets means the card keeps earning hard after the bonus posts. The soft-pull preview shows your exact offer first. It's the bonus play that still makes sense as a keeper card.

Pros
  • Large transferable-points bonus at a manageable fee
  • Credits recover most of the fee for regular diners
  • Top-tier earning on dining and U.S. supermarkets
  • Soft-pull preview before applying
Cons
  • The headline number is personalized and not guaranteed
  • Spending requirement rose a third in the latest offer cycle
  • Credits need active monthly use
Welcome offer
Earn 75,000 bonus points
$938 in value

After you spend $5,000 on purchases in the first 3 months from account opening.

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1.25¢ per Ultimate Rewards point.
Annual fee
$95
Credit
Good
APR
19.24% - 27.49%
FX fee
$0
Our take

The Sapphire Preferred's standing 75,000-point offer, earned with $5,000 in spending over three months, is the best bonus-to-fee ratio here at $95. The points transfer to the same partners as the Reserve's, and the mid-June 2026 refresh added 3x earning on gas, EV charging, and vacation rentals, doubled the annual hotel credit to $100, and added a Global Entry or TSA PreCheck credit, though it also retired the 10% anniversary points boost and trims Hyatt transfers to 4:3 in October. Sapphire bonuses are now once per lifetime per card, and you can hold both Sapphires. It's the default first travel card for exactly this reason.

Pros
  • Strong transferable-points bonus against a $95 fee
  • Attainable spending requirement
  • Same transfer partners as the premium Reserve
  • Strong travel protections for a low-fee card
Cons
  • Chase's 5/24 rule blocks frequent applicants
  • Bonus is once per lifetime on this card
  • Headline offer is smaller than the premium cards above

Best bonus on an easy spend

Capital One Venture X Rewards Credit Card
Welcome offer
Earn 75,000 Miles
$750 in value

When you spend $4,000 on purchases in the first 3 months from account opening

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1¢ per Capital One mile.
Annual fee
$395
Credit
Excellent
APR
19.49% - 28.49%
FX fee
None
Our take

Venture X pairs a 75,000-mile bonus with the lowest spending hurdle of the premium tier, $4,000 over three months, and its $395 fee is roughly cancelled by the $300 travel credit and 10,000-mile anniversary bonus, making the bonus close to pure upside. Miles erase travel purchases at a cent each or transfer to partners. Capital One blocks a new bonus within 48 months of your last Venture X bonus, though a prior bonus on the cheaper Venture doesn't count against you. It's the premium bonus for people who don't want to chase a spending target.

Pros
  • Premium-card bonus on a modest spending requirement
  • Credits and anniversary miles roughly cancel the fee
  • Miles have a simple one-cent floor plus transfer partners
  • Lounge access and a Global Entry credit included
Cons
  • One Venture X bonus per 48 months
  • Top redemption value requires the travel portal or partners
  • Requires excellent credit
Welcome offer
Earn 75,000 Miles
$750 in value

Once you spend $4,000 on purchases within 3 months from account opening

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1¢ per Capital One mile.
Annual fee
$95
Credit
Good
APR
19.49% - 28.49%
FX fee
None
Our take

The Venture matches its premium sibling's 75,000-mile bonus and $4,000 spending requirement at a $95 fee, the cheapest path to a major miles haul. Earning is a flat 2x on everything with nothing to track, and miles erase travel at a cent each or transfer to partners. A bonus on this card or the Venture X in the past 48 months blocks a new Venture bonus, so choose between the two deliberately. It's for people who want the miles without committing to a premium card.

Pros
  • Same bonus as the premium Venture X at a fraction of the fee
  • Flat 2x earning with nothing to track
  • Miles erase travel purchases or transfer to partners
  • Global Entry or TSA PreCheck credit included
Cons
  • No lounge access or premium perks
  • Shares the 48-month bonus lockout with the Venture X
  • Best value requires travel redemptions

Best low-spend points bonus

Citi Strata Premier®
Welcome offer
60,000 Points
$600 in value

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

Rewards
Welcome offer value and reward rates are estimated using MaxRewards' valuation of 1¢ per ThankYou® point.
Annual fee
$95
Credit
Excellent
APR
19.49% - 27.49%
FX fee
None
Our take

The Strata Premier's standing 60,000-point offer takes just $4,000 in spending over three months, one of the lowest hurdles on a transferable-points card, and the $100 annual hotel credit can cover the $95 fee by itself. Broad three-point categories keep it earning after the bonus posts. Citi blocks a new bonus within 48 months of your last one on this card. It's the gentle on-ramp for a first points bonus.

Pros
  • Low spending requirement for a transferable-points bonus
  • Annual hotel credit can fully offset the fee
  • Broad 3x earning across everyday categories
  • Points transfer to ThankYou airline and hotel partners
Cons
  • Smaller headline than the cards above
  • ThankYou transfer partners trail Chase and Amex
  • 48-month bonus restriction per Citi card
Welcome offer
As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back

After spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Rewards
Annual fee
$0 intro annual fee for the first year, then $95.
Credit
Good
APR
19.49% - 28.49%
FX fee
2.7% of each transaction after conversion to US dollars.
Our take

The Blue Cash Preferred's bonus is cash, up to $300 back after $3,000 in spending over six months, with no annual fee the first year and a roughly year-long 0% intro window on purchases. The 6% supermarket rate compounds the bonus into ongoing value for grocery households. Amex's once-per-lifetime rule applies, and the soft-pull preview shows your offer first. It's for people who'd rather have certain cash than speculative points.

Pros
  • Straightforward cash bonus on a low spending requirement
  • No fee the first year plus a long 0% intro window
  • Category-leading supermarket earning compounds the value
  • Soft-pull preview before applying
Cons
  • Smaller total value than the travel bonuses above
  • $95 fee returns in year two
  • Once-per-lifetime Amex bonus rule applies

FAQ

Welcome Offer FAQ