Travel credit cards
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Travel credit cards: 24 current offers are compared, including personal and business cards; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among travel credit cards with a confirmed value, Chase Sapphire Reserve for Business has the highest estimated first-year value after fees at $1,705, using travel redemption. The lowest annual fee among travel credit cards is $0. Opening any of the 16 personal cards compared for travel credit cards adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
Transferable points offer flexibility but award availability, taxes and fees affect redemption value. A higher annual fee only makes sense if you use the benefits.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankTravel: 24 available offers, ordered by conditional travel value after fees.
Offers for Travel to compare
1. Chase Sapphire Reserve for Business
Welcome offer: 200,000 Ultimate Rewards points. Annual fee: $795. Terms apply.
First-year value after fees (travel redemption), estimated: $1,705.
Last checked: .
2. Capital One Venture X Business
Welcome offer: 150,000 Capital One miles. Annual fee: $395. Terms apply.
First-year value after fees (travel redemption), estimated: $1,480.
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3. Chase Ink Business Preferred
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $1,155.
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4. Chase Sapphire Preferred
Welcome offer: 75,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $928.
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5. Capital One Venture Rewards
Welcome offer: 75,000 Capital One miles + $300 Capital One Travel Stays credit. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $843.
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6. Capital One Venture X
Welcome offer: 75,000 Capital One miles. Annual fee: $395. Terms apply.
First-year value after fees (travel redemption), estimated: $843.
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7. Chase Ink Business Premier
Welcome offer: $1,000 bonus cash back. Annual fee: $195. Terms apply.
First-year value after fees (travel redemption), estimated: $805.
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8. Citi Strata Elite
Welcome offer: 75,000 ThankYou points. Annual fee: $595. Terms apply.
First-year value after fees (travel redemption), estimated: $783.
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9. Chase Sapphire Reserve
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $795. Terms apply.
First-year value after fees (travel redemption), estimated: $755.
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10. Citi Strata Premier
Welcome offer: 60,000 ThankYou points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $740.
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11. Bank of America Premium Rewards
Welcome offer: 60,000 points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $655.
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12. Wells Fargo Autograph Journey Visa
Welcome offer: 60,000 points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $655.
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13. Bank of America Business Advantage Travel Rewards
Welcome offer: 50,000 points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $625.
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14. Bank of America Premium Rewards Elite
Welcome offer: 75,000 points. Annual fee: $550. Terms apply.
First-year value after fees (travel redemption), estimated: $515.
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15. Bank of America Travel Rewards
Welcome offer: 25,000 points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $313.
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16. U.S. Bank Altitude Connect Visa Signature
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $250.
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17. U.S. Bank Altitude Go Visa Signature
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $250.
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18. Wells Fargo Autograph Visa
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $250.
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19. American Express Business Green Rewards Card
Welcome offer: 15,000 Membership Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $93.
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20. Discover it Miles
Welcome offer: Miles Match (first year). Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $0.
No fixed bonus value is counted; credits and fees are included.
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21. American Express Gold Card
Welcome offer: as high as 100,000 Membership Rewards points. Annual fee: $325. Terms apply.
First-year value after fees (travel redemption), estimated: -$103.
Bonus up to $1,250 with conditions. This ceiling is excluded from the estimate.
Last checked: .
22. American Express Platinum Card
Welcome offer: up to 175,000 Membership Rewards® points. Annual fee: $895. Terms apply.
First-year value after fees (travel redemption), estimated: -$188.
Bonus up to $2,188 with conditions. This ceiling is excluded from the estimate.
Last checked: .
23. American Express Business Gold
Welcome offer: as high as 200,000 Membership Rewards points. Annual fee: $375. Terms apply.
First-year value after fees (travel redemption), estimated: -$375.
Bonus up to $2,500 with conditions. This ceiling is excluded from the estimate.
Last checked: .
24. American Express Business Platinum
Welcome offer: as high as 300,000 Membership Rewards points. Annual fee: $895. Terms apply.
First-year value after fees (travel redemption), estimated: -$455.
Bonus up to $3,750 with conditions. This ceiling is excluded from the estimate.
Last checked: .
Compare requirements and conditional value
Travel estimates use travel redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (travel) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Chase Sapphire Reserve for Business | $795 | $30,000 in 6 months | $1,705 | Chase's terms say the Chase Sapphire Reserve for Business welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $795; renewal: $795. | 2026-10-06 |
| Capital One Venture X Business | $395 | $30,000 in 3 months | $1,480 | Capital One Venture X Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.Issuer terms | Network: Visa.First-year fee: $395; renewal: $395. | 2026-10-06 |
| Chase Ink Business Preferred | $95 | $8,000 in 3 months | $1,155 | Chase's terms say the Chase Ink Business Preferred welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Chase Sapphire Preferred | $95 | $5,000 in 3 months | $928 | Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Capital One Venture Rewards | $95 | $4,000 in 3 months | $843 | Capital One's terms say the Capital One Venture Rewards welcome offer is unavailable if you received a welcome bonus on the Capital One Venture Rewards or the Capital One Venture X within the past 48 months.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Capital One Venture X | $395 | $4,000 in 3 months | $843 | Capital One's terms say the Capital One Venture X welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Visa.First-year fee: $395; renewal: $395. | 2026-10-06 |
| Chase Ink Business Premier | $195 | $10,000 in 3 months | $805 | Chase's terms say the Chase Ink Business Premier welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $195; renewal: $195. | 2026-10-06 |
| Citi Strata Elite | $595 | $6,000 in 3 months | $783 | Citi's terms say the Citi Strata Elite welcome offer is unavailable if you have or had the card.Issuer terms | Network: Mastercard.First-year fee: $595; renewal: $595. | 2026-10-06 |
| Chase Sapphire Reserve | $795 | $6,000 in 3 months | $755 | Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $795; renewal: $795. | 2026-10-06 |
| Citi Strata Premier | $95 | $4,000 in 3 months | $740 | Citi's terms say the Citi Strata Premier welcome offer is unavailable if you have or had the card.Issuer terms | Network: Mastercard.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Bank of America Premium Rewards | $95 | $4,000 in 3 months | $655 | Bank of America's terms say the Bank of America Premium Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Wells Fargo Autograph Journey Visa | $95 | $4,000 in 3 months | $655 | Wells Fargo's terms say the Wells Fargo Autograph Journey Visa welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Bank of America Business Advantage Travel Rewards | $0 | $5,000 in 3 months | $625 | Bank of America Business Advantage Travel Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Premium Rewards Elite | $550 | $5,000 in 3 months | $515 | Bank of America Premium Rewards Elite: Applicants report limits of two Bank of America consumer approvals in two months, three in 12, and four in 24. Exceptions may occur.Reported by applicants | Network: Visa.First-year fee: $550; renewal: $550. | 2026-10-06 |
| Bank of America Travel Rewards | $0 | $1,000 in 3 months | $313 | Bank of America's terms say the Bank of America Travel Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Altitude Connect Visa Signature | $0 | $1,000 in 3 months | $250 | US Bank's terms say the U.S. Bank Altitude Connect Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Altitude Go Visa Signature | $0 | $1,000 in 3 months | $250 | US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Wells Fargo Autograph Visa | $0 | $1,000 in 3 months | $250 | Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Business Green Rewards Card | $95 | $3,000 in 3 months | $93 | American Express Business Green Rewards Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Discover it Miles | $0 | No purchase threshold recorded | $0 | Discover it Miles: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.Issuer terms | Network: Discover.First-year fee: $0; renewal: $0.No fixed travel bonus amount counted. | 2026-10-06 |
| American Express Gold Card | $325 | $8,000 in 6 months | -$103 | American Express's terms say the American Express Gold Card welcome offer may be unavailable if you have or had the American Express Platinum Card. Check the current offer terms; this wording varies between offers.Issuer terms | Network: Amex.First-year fee: $325; renewal: $325.Personalized bonus up to $1,250 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Platinum Card | $895 | $12,000 in 6 months | -$188 | American Express's terms say the American Express Platinum Card welcome offer may be unavailable if you have or had the card. Check the current offer terms; this wording varies between offers. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $895; renewal: $895.Personalized bonus up to $2,188 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Business Gold | $375 | $15,000 in 3 months | -$375 | American Express Business Gold: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $375; renewal: $375.Personalized bonus up to $2,500 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Business Platinum | $895 | $20,000 in 3 months | -$455 | American Express Business Platinum: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $895; renewal: $895.Personalized bonus up to $3,750 with conditions; excluded from the base estimate. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Chase Sapphire Reserve for Business and Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Ink Business Premier and Chase Sapphire Reserve: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Sapphire Reserve for Business and Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Ink Business Premier and Chase Sapphire Reserve: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Capital One Venture Rewards and Capital One Venture X: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Venture X Business and Capital One Venture Rewards and Capital One Venture X: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
Citi Strata Elite and Citi Strata Premier: Applicants report 8-day spacing and no more than 2 Citi applications in 65 days. This is unpublished and exceptions occur.
Bank of America Premium Rewards and Bank of America Premium Rewards Elite and Bank of America Travel Rewards: Applicants report limits of two Bank of America consumer approvals in two months, three in 12, and four in 24. Exceptions may occur.
Bank of America Premium Rewards and Bank of America Business Advantage Travel Rewards and Bank of America Premium Rewards Elite and Bank of America Travel Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.
Wells Fargo Autograph Journey Visa and Wells Fargo Autograph Visa: You may not qualify for another Wells Fargo consumer card if you opened one within the last four months.
Wells Fargo Autograph Journey Visa and Wells Fargo Autograph Visa: Wells Fargo may consider recently opened accounts across banks. Reports conflict on a fixed 24-month cutoff.
U.S. Bank Altitude Connect Visa Signature and U.S. Bank Altitude Go Visa Signature: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.
American Express Business Green Rewards Card and American Express Gold Card and American Express Platinum Card and American Express Business Gold and American Express Business Platinum: The usual Amex limit on new credit-card approvals generally does not apply to this card. Other approval checks still apply. Amex generally limits charge-card holdings; ten total is commonly reported, with exceptions and lower personal-card limits reported by some applicants.
Discover it Miles: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.
Welcome offers and prior-card history
Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase's terms say the Chase Ink Business Preferred welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.
Chase's terms say the Chase Ink Business Premier welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.
Chase's terms say the Chase Sapphire Reserve for Business welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.
American Express's terms say the American Express Gold Card welcome offer may be unavailable if you have or had the American Express Platinum Card. Check the current offer terms; this wording varies between offers.
American Express's terms say the American Express Platinum Card welcome offer may be unavailable if you have or had the card. Check the current offer terms; this wording varies between offers. Some targeted offers have different terms; the issuer determines eligibility.
Capital One's terms say the Capital One Venture X welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Capital One's terms say the Capital One Venture Rewards welcome offer is unavailable if you received a welcome bonus on the Capital One Venture Rewards or the Capital One Venture X within the past 48 months.
Citi's terms say the Citi Strata Elite welcome offer is unavailable if you have or had the card.
Citi's terms say the Citi Strata Premier welcome offer is unavailable if you have or had the card.
US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.
US Bank's terms say the U.S. Bank Altitude Connect Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.
Bank of America's terms say the Bank of America Premium Rewards new-account application may be unavailable if you held the card within the past 24 months.
Bank of America's terms say the Bank of America Travel Rewards new-account application may be unavailable if you held the card within the past 24 months.
Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.
Wells Fargo's terms say the Wells Fargo Autograph Journey Visa welcome offer may be unavailable if you opened the card within the past 48 months.
American Express Business Green Rewards Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Gold Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Business Gold: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Business Platinum: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
Capital One Venture X Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.
Chase Sapphire Preferred and Chase Sapphire Reserve: Holding the other Sapphire card does not create an automatic exclusion in the current offer terms; Chase still determines bonus eligibility.
Effect on Chase 5/24
Chase Sapphire Reserve for Business: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Capital One Venture X Business is a business card that does not report to personal bureaus, so it generally does not add to Chase's 5/24 count.
Chase Ink Business Preferred: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Sapphire Preferred is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Venture Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Venture X is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Ink Business Premier: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Citi Strata Elite is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Sapphire Reserve is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Citi Strata Premier is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Premium Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Autograph Journey Visa is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Business Advantage Travel Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Premium Rewards Elite is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Travel Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Altitude Connect Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Altitude Go Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Autograph Visa is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Business Green Rewards Card is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Discover it Miles is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Gold Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Platinum Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Business Gold is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Business Platinum is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Application order
Issuer terms: consider American Express Gold Card before American Express Platinum Card because prior American Express Platinum Card history may block American Express Gold Card's welcome offer, with no reverse restriction recorded; check the current offer terms; applicant reports also suggest checking Chase Sapphire Reserve for Business and Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Ink Business Premier and Chase Sapphire Reserve before opening Capital One Venture Rewards and Capital One Venture X and Citi Strata Elite and Citi Strata Premier and Bank of America Premium Rewards and Wells Fargo Autograph Journey Visa and Bank of America Premium Rewards Elite and Bank of America Travel Rewards and U.S. Bank Altitude Connect Visa Signature and U.S. Bank Altitude Go Visa Signature and Wells Fargo Autograph Visa and Discover it Miles and American Express Gold Card and American Express Platinum Card if Chase access matters, because another personal account can bring you to the reported 5/24 threshold.
Questions about Travel
What could delay a card application for Travel?
Chase, Capital One, Citi, Bank of America, Wells Fargo, US Bank, American Express, Discover applications and recent account openings can affect timing for Travel. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for Travel have an application order?
American Express Gold Card is worth checking first: earlier American Express Platinum Card history may limit that welcome offer. An application order cannot establish eligibility on its own.
Which welcome offers for Travel depend on earlier card or bonus history?
American Express Gold Card's welcome offer may depend on whether you have or had American Express Platinum Card. Check the specific event and waiting period in the offer terms before counting a welcome bonus.