By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Current credit card welcome offers: 96 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 current credit card welcome offers with a confirmed value, Capital One Spark Cash Plus for Business has the highest estimated first-year value after fees at $1,850, using travel redemption. The lowest annual fee among current credit card welcome offers is $0. Opening any of the 65 personal cards compared for current credit card welcome offers adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
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Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rank| Card | Annual fee | First-year value after fees, estimated | Offer last checked |
|---|---|---|---|
| Capital One Spark Cash Plus for Business | $150 | $1,850 | 2026-10-06 |
| Chase Freedom Flex | $0 | $250 | 2026-10-06 |
Estimates assume approval and meeting all welcome-offer requirements. They use the first-year fee, the base welcome offer and statement credits you are likely to use. Ongoing spending rewards and unsupported bonus components are excluded. Travel estimates are not cash values. Terms apply.
65 personal offers · Page 1 of 6
Chase
Welcome offer: 75,000 Ultimate Rewards points. Terms apply.
Last checked: 2026-10-06. Terms apply.
American Express
Welcome offer: 200,000 Hilton Honors points. Terms apply.
Last checked: 2026-10-06. Terms apply.
Citi
Welcome offer: 80,000 AAdvantage miles. Terms apply.
Last checked: 2026-10-06. Terms apply.
Chase
Welcome offer: Up to 80,000 United miles: 70,000 after spending + 10,000 for adding an authorized user. Terms apply.
Bonus up to $1,000 with conditions. This ceiling is excluded from the base estimate.
Last checked: 2026-10-06. Terms apply.
Citi
Welcome offer: 125,000 AAdvantage miles. Terms apply.
Last checked: 2026-10-06. Terms apply.
Capital One
Welcome offer: 75,000 Capital One miles + $300 Capital One Travel Stays credit. Terms apply.
Last checked: 2026-10-06. Terms apply.
Capital One
Welcome offer: 75,000 Capital One miles. Terms apply.
Last checked: 2026-10-06. Terms apply.
Chase
Welcome offer: 75,000 Avios. Terms apply.
Last checked: 2026-10-06. Terms apply.
Chase
Welcome offer: Up to 90,000 United miles: 80,000 after spending + 10,000 authorized-user add; 500 PQP after first purchase. Terms apply.
Bonus up to $1,125 with conditions. This ceiling is excluded from the base estimate.
Last checked: 2026-10-06. Terms apply.
Citi
Welcome offer: 75,000 ThankYou points. Terms apply.
Last checked: 2026-10-06. Terms apply.
American Express
Welcome offer: 130,000 Hilton Honors points + 1 award-night certificate. Terms apply.
Last checked: 2026-10-06. Terms apply.
Barclays
Welcome offer: 70,000 TrueBlue points. Terms apply.
Last checked: 2026-10-06. Terms apply.