One of the best reasons to apply for a travel rewards card is the welcome offer. Often, you can earn tens of thousands of points or miles within the first few months of opening a new card by hitting certain minimum spending requirements.
However, welcome offers change all the time, and part of any successful travel rewards strategy is knowing when it is the right time to apply for a specific card. After all, you wouldn’t want to miss out on a haul of bonus points by applying too early — or too late.
Without tracking the welcome offers on specific cards over time, however, you might not have the context you need to know whether a particular offer is worth applying for at any given moment.
Luckily, we’ve done that work for you and monitored some of the most popular travel rewards and cash-back cards to give you bonus ranges and some clear benchmarks for when you should consider applying for each.
You can also check our frequently updated list of the best increased card offers to apply for.
In this post, we’ll focus on American Express, which fields some of the best cobranded and proprietary rewards cards available from any issuer.
Best American Express welcome offers
Here are some of the most popular Amex cards, a snapshot of each one’s welcome offer ranges and some guidance on when you should apply for each.
Just note that we’re only discussing publicly-available welcome offers, though some folks might receive targeted offers with more bonus points or cash back. Additionally, offers may change at any time and some of the offers mentioned below may not be available at this time.
Keep in mind that American Express only allows you to earn one bonus for each of their cards in a lifetime, so make sure to wait for the best time to apply.
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| Card | Best welcome offer we’ve seen | When to apply |
|---|---|---|
| The Platinum Card® from American Express | 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. Plus, earn 10 points per dollar on “Shop Small” purchases in the U.S. and at restaurants worldwide, on up to $25,000 in combined purchases, also in the first six months of cardmembership | Over 75,000 points |
| The Business Platinum Card® from American Express | 150,000 bonus points: 100,000 after you spend $5,000 on eligible purchases with the card in the first three months of card membership and another 50,000 bonus points after spending $15,000 total in the first three months | Over 100,000 points |
| American Express® Gold Card |
100,000 bonus points after spending $4,000 on purchases in the first six months of cardmembership |
Over 60,000 points |
| American Express® Business Gold Card | 130,000 bonus points after spending $20,000 on purchases within the first six months of cardmembership | Over 70,000 points |
| American Express® Green Card | 60,000 bonus points after spending $3,000 on purchases on the card within the first six months of cardmembership. Plus, earn 20% back on travel and transit purchases in the first six months, up to $200 back. | Over 45,000 points |
| Delta SkyMiles® Blue American Express Card | 15,000 bonus miles after spending $1,000 in the first three months of cardmembership | Over 10,000 miles |
| Delta SkyMiles® Gold American Express Card | 80,000 bonus miles after spending $3,000 in the first six months of cardmembership | Over 70,000 miles |
| Delta SkyMiles® Platinum American Express Card | 90,000 bonus miles and 10,000 MQMs after spending $4,000 in the first three months of cardmembership | Over 80,000 miles |
| Delta SkyMiles® Reserve American Express Card | 100,000 bonus miles after spending $5,000 in the first three months of cardmembership | Over 90,000 miles |
| Delta SkyMiles® Gold Business American Express Card | Earn 90,000 bonus miles after spending $6,000 in purchases on the card in the first six months | Over 70,000 miles |
| Delta SkyMiles® Platinum Business American Express Card | 100,000 bonus miles after spending $3,000-$4,000 in the first three months of card membership, plus a $100 statement credit
|
90,000 bonus miles or more |
| Delta SkyMiles® Reserve Business American Express Card | 110,000 bonus miles after spending $6,000 in the first three months of cardmembership
|
Over 100,000 miles |
| Hilton Honors American Express Card | 130,000 points in total: 80,000 Hilton Honors bonus points after spending $1,000 in the first three months of cardmembership, then earn another 50,000 bonus points after spending $5,000 total on purchases in the first six months | Over 80,000 points (whether that’s extra points or a free night) |
| Hilton Honors American Express Surpass® Card | 180,000 bonus points: 130,000 bonus points after spending $2,000 in the first three months of cardmembership, then an additional 50,000 points after spending a total of $10,000 or more on purchases in the first six months | Over 130,000 points |
| Hilton Honors American Express Business Card | 180,000 bonus points: 130,000 bonus points after spending $2,000 in the first three months of cardmembership, then an additional 50,000 points after spending a total of $10,000 or more on purchases in the first six months of cardmembership | Over 130,000 points |
| Hilton Honors American Express Aspire Card | 180,000 bonus points after spending $6,000 in the first six months of cardmembership | Over 150,000 points |
| Marriott Bonvoy Brilliant® American Express® Card | 150,000 bonus points after spending $6,000 in the first three months of cardmembership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels | Over 100,000 points or three or more free nights |
| Marriott Bonvoy Bevy® American Express® Card | 125,000 bonus points after spending $5,000 in the first three months of cardmembership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels | Over 85,000 points |
| Marriott Bonvoy Business® American Express® Card | Five free night awards, worth up to 50,000 points apiece, after spending $8,000 in the first six months of cardmembership | Over 100,000 points |
| Blue Cash Preferred® Card from American Express | $350 cash back (as a statement credit) after you spend $3,000 in the first six months of cardmembership | Over $250 cash back |
| Blue Cash Everyday® Card from American Express | Up to $250 cash back: Earn 20% back as a statement credit on purchases (up to $150 back) when using the card to check out with PayPal at merchants in the first six months of cardmembership. Plus, earn $100 back as a statement credit after spending $2,000 in purchases in the first six months of cardmembership | Over $200 cash back |
The information for the American Express Green Card and Hilton Aspire Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
CardMatch Tool
It’s also always a good idea to check the CardMatch tool to see if you might be eligible for higher offers on specific cards, such as the Platinum Card from American Express or the American Express Gold Card. These targeted offers can change at any time, however, and not everyone will be targeted for the same offers.
Read on for more details on each of these cards and when to apply.
The Platinum Card from American Express
The Platinum Card from American Express has long been one of the most popular premium cards on the market. It offers a slew of luxury-skewing, value-added benefits that can save cardmembers money on everything from airline fees to hotel stays.
To learn more, read our full review of the Amex Platinum card.
Highest welcome offer
The highest public welcome offer on the Amex Platinum Card was from July 2021 to January 2022.
At that time, applicants could earn 100,000 bonus points after spending $6,000 on purchases within the first six months of cardmembership. Plus, they could earn 10 points per dollar on “Shop Small” purchases in the U.S. and at restaurants worldwide, on up to $25,000 in combined purchases, also in the first six months of cardmembership. This could lead to a total of 250,000 additional points.
Range of typical welcome offers
The offer above could net up to 350,000 total points, but the typical offer for this card ranges between 60,000 points (after spending $5,000 in the first three months of cardmembership) to 100,000 bonus points (after spending $6,000 in the first six months of cardmembership).
Current welcome offer
Earn 80,000 points after spending $8,000 on purchases on the card in the first six months of cardmembership.
When you should apply
In general, aim to apply for this card only if its welcome offer tops 75,000 bonus points. It should be a no-brainer at the 100,000-point mark, depending on the spending requirements.
The Business Platinum Card from American Express
The Business Platinum Card from American Express often extends even more lucrative welcome offers than its personal counterpart and offers many of the same luxury perks, though some of its statement credits are focused on typical business expenditures.
To learn more, read our full review of the Amex Business Platinum card.
Highest welcome offer
The highest welcome offer we’ve seen for the Amex Business Platinum was 150,000 bonus points: 100,000 after you spend $5,000 on eligible purchases with the card in the first three months of card membership and another 50,000 bonus points after spending $15,000 total in the first three months
Range of typical welcome offers
Usually, the Amex Business Platinum card offers between 75,000 and 150,000 bonus points after meeting various spending requirements in the $15,000-$20,000 range.
Current welcome offer
Earn 150,000 bonus points after spending $20,000 on eligible purchases within the first three months of cardmembership.
When you should apply
Any time this card’s welcome offer tops 100,000 points, it’s worth considering. But if you get an offer — targeted or public — for 120,000 points or above, don’t wait.
American Express Gold Card
The American Express Gold Card is an excellent everyday choice for foodies since it earns 4 points per dollar at restaurants worldwide on up to $50,000 in purchases per calendar year (then 1 point per dollar) as well as on up to $25,000 in purchases per calendar year at U.S. supermarkets (then 1 point per dollar).
However, it has also fielded some outstanding welcome offers.
To learn more, read our full review of the Amex Gold card.
Highest welcome offer
The best public welcome offer we’ve seen on this card was short-lived. In June 2022, the Amex Gold upped its welcome offer for new applicants to 100,000 bonus points after they spent $4,000 on purchases in the first six months of cardmembership. It only lasted a few days.
Range of typical welcome offers
More often, this card offers 25,000-60,000 bonus points after spending between $2,000 in the first three months to $4,000 in the first six months. Thus, when you apply can make a huge difference.
Current welcome offer
Earn 60,000 points after spending $6,000 on purchases in the first six months of cardmembership.
When you should apply
Consider applying when the welcome offer is above 60,000 points, and seriously consider hitting that “apply” button any time it tops 75,000 points.
American Express Business Gold Card
The American Express Business Gold Card card is great for small businesses thanks to its strong earning structure, which racks up 4 points per dollar on your top two eligible spending categories each billing cycle (on up to $150,000 in purchases per calendar year, then 1 point per dollar).
It also has provided some tremendous welcome offers in the past.
To learn more, read our full review of the Amex Business Gold card.
Highest welcome offer
This card previously offered up to 130,000 bonus points after spending $20,000 on purchases within the first six months of cardmembership, but not all applicants were eligible.
Range of typical welcome offers
Oftentimes, the welcome offer for this card hovers around the 70,000-90,000-point mark after spending $10,000 on purchases in the first three months.
Current welcome offer
Earn 100,000 bonus points after spending $15,000 on eligible purchases in the first three months of cardmembership.
When you should apply
If you see an offer for this card over 70,000 points with a spending requirement that you and your small business can easily hit, it’s probably worth applying. And if you get an offer for 90,000 points or more, that should be a done deal.
American Express Green Card
The American Express Green Card provides a compelling offering in the mid-tier travel category. With 3 points per dollar on broader travel, restaurants and transit, as well as up to $199 each calendar year as a statement credit for Clear that help offset its annual fee, the Amex Green is a card that modern travelers should consider
To learn more, read our full review of the Amex Green.
Highest welcome offer
The highest offer we’ve seen on this card was 60,000 bonus points after spending $2,000 on purchases on your new card within the first six months of cardmembership. Plus, earn 20% back on travel and transit purchases in your first six months for up to $200 back.
Range of typical welcome offers
Often, the welcome offer for this card sits at around 45,000 bonus points after spending $2,000 on purchases on your new card within the first six months.
Current welcome offer
Earn 40,000 bonus points after spending $3,000 on purchases on the new card within the first six months of cardmembership.
When you should apply
If you see an offer for this card over 45,000 points, it’s worth applying.
Delta SkyMiles Blue American Express Card
Despite being Delta’s lowest-tier card, the Delta SkyMiles Blue American Express Card still packs a punch since it earns 2 miles per dollar on Delta purchases and at restaurants worldwide.
To learn more, read our full review of the Delta Blue Amex.
Highest welcome offer
This card has occasionally upped its welcome offer to 15,000 bonus miles after spending $1,000 in the first three months of cardmembership.
Range of typical welcome offers
More typically, this card offers just 10,000 bonus miles after spending $500-$1,000 on purchases in the first three months.
Current welcome offer
Earn 10,000 bonus miles after spending $1,000 on the card in the first six months of cardmembership.
When you should apply
Anytime this card raises its welcome offer above the usual 10,000 miles, it will be worth considering.
Delta SkyMiles Gold American Express Card
The benefits-rich Delta SkyMiles Gold American Express Card is a strong earner, racking up 2 miles per dollar on Delta purchases, at U.S. supermarkets and on dining at restaurants — including takeout and delivery in the U.S.
To learn more, read our full review of the Delta Gold Amex.
Highest welcome offer
The highest offer we have seen on this card is 80,000 bonus miles after spending $3,000 in the first six months of cardmembership.
Range of typical welcome offers
Usually, this card offers between 35,000-40,000 bonus miles after spending $1,000 within the first three months.
Current welcome offer
Earn 50,000 bonus miles after spending $2,000 on purchases in the first six months of cardmembership.
When you should apply
This card tends to raise its welcome offer to 70,000 bonus miles a few times a year, but only for a limited time. When it hits that number, be ready to apply.
Delta SkyMiles Platinum American Express Card
The Delta SkyMiles Platinum American Express Card offers elevated earning rates to help justify having it in your wallet.
It accrues 3 miles per dollar on Delta purchases and purchases made directly with hotels, 2 miles per dollar at U.S. supermarkets and on dining at restaurants, including takeout and delivery in the U.S., and 1 mile per dollar on other purchases.
To learn more, read our full review of the Delta Platinum Amex.
Highest welcome offer
The Delta Platinum Amex periodically offers 90,000 bonus miles for $4,000 in spending in the first three months of cardmembership.
In the past, the best offer we’ve seen included 10,000 Medallion Qualification Miles (MQMs) in addition to those 90,000 miles after $4,000 in spending in the first three months of cardmembership.
However, it’s worth noting that MQMs have been replaced with Medallion Qualification® Dolllars (MQDs) as a qualification metric for elite status as part of Delta’s overhaul of the Medallion program.
Range of typical welcome offers
Usually, this card offers just 40,000-50,000 bonus miles, possibly including 5,000 MQMs toward elite status, after you spend $2,000 or $3,000 in the first three months.
Current welcome offer
Earn 60,000 bonus miles after spending $3,000 on eligible purchases in the first six months of cardmembership.
When you should apply
If the offer is above 80,000 miles, consider applying; however, the welcome offer usually varies and is less than 80,000 at other times.
Delta SkyMiles Reserve American Express Card
The main benefit of the Delta SkyMiles Reserve American Express Card is that cardmembers receive complimentary access to Delta Sky Clubs and Amex Centurion Lounges when traveling on a same-day Delta-marketed or -operated flight. But it has plenty of benefits beyond that.
To learn more, read our full review of the Delta Reserve.
Effective 2/1/25, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on 2/1/25, the total eligible purchases on the card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year after that.
Highest welcome offer
Not long ago, the card raised its welcome offer to 100,000 bonus miles after $5,000 in spending in the first three months of card membership.
However, other offers in the past provided 80,000 bonus miles plus 20,000 MQMs after spending $5,000 in the first three months of card membership, appealing to folks gunning for the higher Medallion levels (though as a reminder, MQMs have been replaced with MQDs and cardmembers can earn 1 Medallion Qualification Dollar for every $10 of purchases).
Current welcome offer
Earn 70,000 bonus miles after spending $5,000 on eligible purchases in the first six months of cardmembership.
Range of typical welcome offers
Usually, new applicants only earn 40,000-50,000 bonus miles after spending $3,000 on purchases in the first three months.
When you should apply
Anytime the bonus miles in this card’s welcome offer top 90,000, it’s a good time to apply.
Delta SkyMiles Gold Business American Express Card
Don’t forget about some lucrative business counterparts to Delta’s cobranded Amex cards, including this strong earner.
To learn more, read our full review of the Delta Gold Business Amex.
Highest welcome offer
The highest offer we’ve seen is 90,000 bonus miles after spending $6,000 in purchases in the first six months of cardmembership.
Range of typical welcome offers
Usually, this card only offers 30,000-50,000 bonus miles after you make $1,000-$2,000 in purchases in the first three months. It also sometimes peppers in various statement credits or rebates.
Current welcome offer
Earn 60,000 bonus miles after spending $4,000 in purchases in the first six months of card membership.
When you should apply
Wait until this card offers 70,000 bonus miles or more to apply.
Delta SkyMiles Platinum Business American Express Card
Like its personal counterpart, the Delta SkyMiles Platinum Business American Express Card earns bonus miles on various purchases, including 3 miles per dollar on Delta purchases and 1.5 miles per dollar on purchases of $5,000 more (up to $100,000 in purchases per calendar year).
To learn more, read our full review of the Delta Platinum Business Amex.
Highest welcome offer
This card’s welcome offer has gone as high as 100,000 bonus miles after $3,000-4,000 of spending in the first three months of cardmembership, and it has even offered a $100 statement credit in addition to that in some instances.
Range of typical welcome offers
More often, this card offers 70,000-100,000 bonus miles after spending $6,000-$8,000 in purchases in the first six months of cardmembership.
Current welcome offer
Earn 70,000 bonus miles after spending $6,000 in purchases in the first six months of cardmembership.
When you should apply
If this card’s offer hits 90,000 bonus miles, you should hit that “apply” button.
Delta SkyMiles Reserve Business American Express Card
This Delta SkyMiles Reserve Business American Express Card offers many of the same benefits as its personal counterpart.
To learn more, read our full review of the Delta SkyMiles Reserve Business.
Highest welcome offer
This card previously offered 110,000 bonus miles after $6,000 in spending in the first three months of cardmembership.
Range of typical welcome offers
More often, this card offers 70,000-110,000 bonus miles after spending $5,000-$12,000 on purchases in the first three to six months.
Current welcome offer
Earn 80,000 bonus miles after spending $10,000 in purchases in the first six months of cardmembership.
When you should apply
Whenever this card offers more than 80,000 bonus miles, look closer. If that figure tops 100,000 bonus miles, it’s time to apply.
Hilton Honors American Express Card
The most basic of Hilton’s cobranded Amex cards is a great choice for folks starting out with travel rewards and hotel points.
To learn more, read our full review of the Hilton Honors Amex.
Highest welcome offer
This card has offered a couple of different types of “highest” welcome offers, the value of which would depend on how you plan to use your earnings.
One offer provided 80,000 bonus points after spending $1,000 on purchases within the first three months, plus another 50,000 bonus points after spending $5,000 total on purchases in the first six months — a total potential haul of 130,000 points.
A second offer provided 70,000 bonus points plus a free night reward after spending $1,000 on purchases in the first three months.
Range of typical welcome offers
This card normally proffers 80,000 bonus points after spending $1,000 in purchases on the card within the first three months.
Current welcome offer
Earn 80,000 Hilton Honors bonus points after spending $2,000 in purchases on the card within the first six months of cardmembership.
When you should apply
If you see this card boost its welcome offer above 80,000 points (either through extra points or a free night), consider applying.
Hilton Honors American Express Surpass Card
A great choice for Hilton loyalists, thanks to benefits like automatic Gold elite status (terms apply), the Hilton Surpass has also extended some compelling welcome offers.
To learn more, check out our full review of the Hilton Honors Surpass.
Highest welcome offer
Although this card’s welcome offer terms can vary dramatically, one of the best offers it had included up to 180,000 bonus points. Applicants could earn 130,000 bonus points after spending $2,000 on purchases in the first three months, then an additional 50,000 points after spending a total of $10,000 or more on purchases in the first six months.
Range of typical welcome offers
The Hilton Honors Surpass normally offers 130,000 bonus points after spending around $2,000 on purchases in the first three months.
Current welcome offer
Earn 130,000 Hilton Honors bonus points after spending $3,000 in purchases on the card in the first six months of cardmembership.
When you should apply
If you see the Hilton Honors Surpass offering anything more than the typical 130,000 bonus points — or offering perks like statement credits, free night certificates or waiving the annual fee for the first year with its welcome offer — consider applying.
Hilton Honors American Express Business Card
The business counterpart to the Hilton Honors Surpass, the Hilton Honors Business Amex, also has a lot of attractive benefits for cardmembers.
To learn more, read our Hilton Honors Business Amex review.
Highest welcome offer
The best welcome offer this card extended provided up to 180,000 bonus points. Applicants could earn 130,000 bonus points after spending $2,000 on purchases with the card in the first three months, then an additional 50,000 points after spending a total of $10,000 or more on purchases in the first six months.
Range of typical welcome offers
Most days, you can earn 130,000 bonus points after spending $8,000 on purchases in the first three months of cardmembership.
Current welcome offer
Earn 130,000 Hilton Honors bonus points after spending $6,000 on eligible purchases with the card in the first six months of cardmembership.
When you should apply
Whenever this card’s welcome offer exceeds its standard 130,000-point offering, it’s worth applying.
Hilton Honors American Express Aspire Card
The top-tier card in Hilton’s Amex portfolio, the Hilton Honors Aspire comes with great benefits for Hilton loyalists, including automatic Hilton Diamond status (terms apply).
To learn more, read our full Hilton Honors Aspire review.
Highest welcome offer
The best offer we’ve seen is 180,000 bonus points after you spend $6,000 on purchases in the first six months of cardmembership.
Range of typical welcome offers
This card usually offers 150,000 bonus points after you spend $4,000 on purchases in the first three months of cardmembership.
Current welcome offer
Earn 150,000 Hilton Honors bonus points after spending $6,000 on eligible purchases with your card in the first six months of cardmembership.
When you should apply
If you see the offer dip below 150,000 points, consider waiting to see if it rebounds; if it goes above 150,000 points, apply.
Marriott Bonvoy Brilliant American Express Card
Marriott’s luxury-focused Amex card offers benefits like automatic Marriott Bonvoy Platinum elite status and a free night award worth up to 85,000 points each year after renewal (certain hotels have resort fees, terms apply).
To learn more, read our full Marriott Bonvoy Brilliant review.
Highest welcome offer
The best offer we’ve seen for the Marriott Bonvoy Brilliant is 150,000 Marriott Bonvoy bonus points after spending $6,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels.
Range of typical welcome offers
This card’s welcome offer usually hovers at 95,000 bonus points after spending $6,000 within the first six months of cardmembership.
Current welcome offer
Earn 95,000 Marriott Bonvoy bonus points after spending $6,000 on purchases in the first six months of cardmembership.
When you should apply
Whenever this card’s offer passes 100,000 points, it’s well worth considering.
Marriott Bonvoy Bevy American Express Card
The Bonvoy Bevy offers mid-tier perks, including automatic Gold Elite status (terms apply), solid points-earning at Marriott properties and elite night credits.
To learn more, read our full review of the Bonvoy Bevy.
Highest welcome offer
125,000 Marriott Bonvoy bonus points after spending $5,000 in the first three months of card membership, plus 50,000 bonus points after staying six eligible paid nights at Marriott hotels
Range of typical welcome offers
This card’s welcome offer usually sits at 85,000 bonus points after spending $5,000 within the first six months of cardmembership.
Current welcome offer
Earn 85,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first six months of cardmembership.
When you should apply
Whenever this card’s offer passes 85,000 points, it’s well worth considering.
Marriott Bonvoy Business American Express
Small-business owners who frequent Marriott’s properties will find plenty to like about the Marriott Bonvoy Business American Express.
To learn more, read our full review of the Marriott Bonvoy Business Amex.
Highest welcome offer
The highest offer we’ve seen on this card provided five free night awards, worth up to 50,000 points apiece, after spending $8,000 in the first six months of cardmembership.
Range of typical welcome offers
This card’s welcome offer averaged 125,000 points in recent years. In the past, it tended to be lower — at either 75,000 after making $3,000 in purchases in the first three months or 100,000 bonus points after making $5,000 in purchases in the first three months.
Current welcome offer
Earn three free night awards after using the card to make $6,000 in eligible purchases within the first six months of cardmembership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Resort fees may apply.
When you should apply
Given this card’s welcome offer has fluctuated between 75,000-125,000 points, try to apply when it’s at the higher end of that spectrum — ideally at 100,000 or more. Alternatively, apply when the card offers three or more free nights.
Blue Cash Preferred Card from American Express
This is one of the best cash-back cards currently available. It earns 6% back on select U.S. streaming subscriptions and up to $6,000 in purchases per calendar at U.S. supermarkets (then 1%), 3% back on transit and at U.S. gas stations, and 1% back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
To learn more, read our full review of the Amex Blue Cash Preferred.
Highest welcome offer
This card’s welcome offer doesn’t vary much, but it has offered up to $350 cash back (as a statement credit) after you spend $3,000 in purchases within the first six months of cardmembership.
Range of typical welcome offers
This card usually offers $300 cash back (as a statement credit) after spending $3,000 in purchases within the first six months of cardmembership.
It has also offered 20% cash back on Amazon.com purchases made on the card within the first six months of cardmembership — up to $200 back — plus up to $150 cash back (as a statement credit) after spending $3,000 on purchases within the first six months of card membership.
Current welcome offer
Earn $250 back (as a statement credit) after spending $3,000 in eligible purchases on the new card within the first six months of cardmembership.
When you should apply
Ensure the offer provides at least $300 cash back (as a statement credit). And if there’s a $0 introductory annual fee, that’s even better.
Blue Cash Everyday Card from American Express
Though its earnings aren’t as solid as the Blue Cash Preferred, the Blue Cash Everyday still racks up cash back at a steady clip. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
To learn more, read our full review of the Amex Blue Cash Everyday.
Highest welcome offer
With this card’s best-ever welcome offer, new cardmembers could earn up to $250 cash back: First, they could earn 20% back as a statement credit on purchases (up to $150 back) when using the card to check out with PayPal at merchants in the first six months of cardmembership. Plus, they could earn $100 back as a statement credit after spending $2,000 in purchases in the first six months of cardmembership
Range of typical welcome offers
This card usually offers either $150 cash back (as a statement credit) after spending $1,000 on purchases in the first six months of cardmembership or $200 cash back (as a statement credit) after spending $2,000 on purchases during the first six months of card membership.
Current welcome offer
Earn $200 back (as a statement credit) after spending $2,000 in purchases on the new card within the first six months of cardmembership.
When you should apply
Go for the easiest offer with a sizable amount of cash back (at least $200) and manageable spending ($2,000 or under).
Bottom line
Pay attention to the welcome offers of any travel rewards cards you may be interested in, as offers can change frequently. Applying at the wrong time could mean missing out on thousands of bonus points or hundreds of dollars in cash back. On the other hand, applying at the right time could put even more rewards within reach — possibly without higher spending requirements.
Before applying for any new card, look at the range of its previous welcome offers. Then, when an offer hits the higher end of that range, you can feel sure you’re getting a great deal and making the right choice for your rewards strategy.
To learn more about credit card bonus offers over time, see the following:
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