Best Credit Card Sign-Up Bonuses
Updated October 2026
The biggest welcome bonuses you can get through a referral link right now, ranked by cash value, with the spending each one requires.
👩🍼 Mama's #1 pick:Top pick: Blue Cash Preferred® Card from American Express, Up to $300 back. Six months to hit $3k is generous — that's $500 a month of normal spending.
- #1
American Express
Blue Cash Preferred® Card from American Express
Up to $300 back
Spend $3,000 in 6 months
- #2
Discover (Capital One)
Discover it® Card
Up to $300 in credits
Spend $500 in 3 months · No annual fee
- #3
Bank of America
Bank of America® Unlimited Cash Rewards
$250 cash bonus
Spend $1,000 in 3 months · No annual fee
- #4
Chase
Chase Freedom Unlimited®
$200 bonus
Spend $500 in 3 months · No annual fee
- #5
Capital One
Capital One Quicksilver Rewards
$200 bonus
See terms · No annual fee
- #6
Capital One
Capital One Credit Cards
Up to $200 bonus
Spend $500 in 3 months
- #7
Chase
Chase Freedom® Visa Platinum
$200 bonus
Spend $500 in 3 months · No annual fee
- #8
American Express
Any American Express Card (Personal or Business)
Pick your welcome bonus
See terms
- #9
Capital One
Capital One Venture X Rewards
Big travel welcome bonus
See terms · $395 annual fee
Side-by-side comparison
| Offer | Bonus | Spend | Time | Annual fee |
|---|---|---|---|---|
| Blue Cash Preferred® Card from American Express | Up to $300 back | $3,000 | 6 mo | — |
| Discover it® Card | Up to $300 in credits | $500 | 3 mo | $0 |
| Bank of America® Unlimited Cash Rewards | $250 cash bonus | $1,000 | 3 mo | $0 |
| Chase Freedom Unlimited® | $200 bonus | $500 | 3 mo | $0 |
| Capital One Quicksilver Rewards | $200 bonus | — | — | $0 |
| Capital One Credit Cards | Up to $200 bonus | $500 | 3 mo | — |
| Chase Freedom® Visa Platinum | $200 bonus | $500 | 3 mo | $0 |
| Any American Express Card (Personal or Business) | Pick your welcome bonus | — | — | — |
| Capital One Venture X Rewards | Big travel welcome bonus | — | — | $395 |
FAQ
What is the best pick in best credit card sign-up bonuses for October 2026?
Blue Cash Preferred® Card from American Express is our top pick right now: Up to $300 back. Up to $300 in Reward Dollars. Spend $3,000 in your first 6 months. Strong everyday grocery & streaming rewards.
Are referral links different from regular sign-up links?
A referral link usually gives you the same or a better welcome offer than the public page, and the person who referred you may also earn a reward. It costs you nothing extra.
How often is this list updated?
Offers are re-checked regularly against each issuer's terms. Every offer guide shows its last-verified date. Always confirm the offer on the application page before applying.
More lists
ReferralMama may earn a referral reward if you use these links. Offers change and may differ for you. Check each issuer's terms before applying.