1.Wells Fargo Autograph Journey
Wells Fargo
- 5%Points on hotels
- 4%Points on airlines
- 3%Points on other travel and dining
- 1%Points on all other purchases
Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months.
Earn unlimited 5x points on hotels, 4x on airlines, 3x on other travel/dining, and 1x on other purchases.
19.49%-28.49% Variable APR
The Wells Fargo Autograph Journey card stands out as the top choice because it offers an impressive 5x points on hotel stays and 4x on airlines, making it ideal for frequent travelers. Its generous welcome bonus of 60,000 points further enhances its value, providing a strong incentive for new cardholders.
Pros:
- High rewards on travel and dining
- Generous welcome bonus
Cons:
- Annual fee applies
- High spending requirement for bonus
2.American Express Hilton Honors Aspire
American Express
- 14%Points on Hilton purchases
- 3%Points on other purchases
Earn 150,000 Hilton Honors Bonus Points after spending $6,000 in purchases in the first 6 months.
Earn 14X Hilton Honors Bonus Points on purchases made directly with Hilton, 3X on other purchases.
19.49%-28.49% Variable APR
What sets the Hilton Honors Aspire card apart is its unparalleled earning potential of 14x points on Hilton stays, making it the best option for frequent Hilton guests. The card also offers extensive perks, including automatic Diamond status and a substantial welcome bonus, ensuring cardholders receive exceptional value.
Pros:
- High rewards on Hilton stays
- Automatic Diamond status
Cons:
- High annual fee
- Spending requirement for bonus
3.American Express Hilton Honors Surpass
American Express
- 12%Points on Hilton purchases
- 6%Points on U.S. dining, gas, and groceries
- 3%Points on all other purchases
Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases in the first 6 months.
Earn 12X Hilton Honors Bonus Points on purchases made directly with Hilton, 6X on U.S. dining, gas, and groceries.
19.49%-28.49% Variable APR
The Hilton Honors Surpass card shines for its robust earning structure, providing 12x points on Hilton purchases and 6x on dining and groceries. This card is particularly appealing for those who frequently stay at Hilton properties, as the annual credits can significantly offset the fee.
Pros:
- High rewards on Hilton stays
- Annual statement credits
Cons:
- Annual fee applies
- Spending requirement for bonus
4.The Business Platinum Card from American Express
American Express
- 5%Points on flights and prepaid hotels
- 2%Points on large purchases
Earn 200,000 Membership Rewards points after spending $20,000 in eligible purchases within the first 3 months.
Earn 5X points on flights and prepaid hotels, 2X points on large purchases.
The standout feature here is the Business Platinum Card's ability to earn 5x points on flights and prepaid hotels, making it an exceptional choice for frequent business travelers. Coupled with substantial travel credits, this card provides significant value despite its high annual fee.
Pros:
- High rewards on travel
- Extensive travel credits
Cons:
- Very high annual fee
- High spending requirement for bonus
5.Capital One Venture X Business
Capital One
- 10%Miles on hotels and rental cars
- 5%Miles on flights booked via Capital One Travel
- 2%Miles on all other purchases
Earn 150,000 miles after spending $30,000 in the first 3 months.
Earn 10X miles on hotels/rental cars, 5X on flights booked via Capital One Travel, 2X on all other purchases.
This card excels with its 10x miles on hotels and rental cars booked through Capital One Travel, making it a top choice for business travelers. The combination of high earning potential and valuable travel credits makes it a strong contender in the premium card market.
Pros:
- High rewards on travel
- Annual travel credits
Cons:
- Annual fee applies
- High spending requirement for bonus
- 10%Points on IHG properties
- 5%Points on travel, dining, and gas
- 3%Points on all other purchases
Earn 175,000 bonus points after spending $5,000 in the first 3 months.
Earn 10X points at IHG properties, 5X on travel/dining/gas, and 3X on general spending.
19.24%-27.74% Variable APR
The IHG One Rewards Premier Credit Card is a standout for its generous 10x points on IHG stays, making it the best option for loyal IHG guests. The card's welcome bonus and annual free night benefit further enhance its appeal, providing excellent value for frequent travelers.
Pros:
- High rewards on IHG stays
- Annual free night benefit
Cons:
- Annual fee applies
- Spending requirement for bonus
- 17%Points on Marriott stays
- 3%Points on select categories
- 2%Points on all other purchases
Earn 5 Free Night Awards after spending $3,000 on eligible purchases within the first 3 months.
Earn up to 17X points on Marriott stays, 3X on select categories, and 2X on all other purchases.
19.24%-27.74% Variable APR
The Chase Marriott Bonvoy Boundless card is an excellent choice for Marriott loyalists, offering up to 17x points on stays and a generous welcome bonus of 5 Free Night Awards. This card provides significant value for those who frequently stay at Marriott properties.
Pros:
- High rewards on Marriott stays
- Annual free night award
Cons:
- Annual fee applies
- Limited to Marriott properties
8.Bank of America Premium Rewards Elite
Bank of America
- 2%Points on travel and dining
- 1.5%Points on all other purchases
Earn 75,000 online bonus points after spending at least $5,000 in purchases within the first 90 days.
Earn unlimited 2 points for every dollar spent on travel and dining, and 1.5 points on all other purchases.
20.24%-27.24% Variable APR
The Bank of America Premium Rewards Elite card is tailored for high-end travelers, offering 2x points on travel and dining. Its extensive benefits and credits can help offset the high annual fee, making it a valuable option for frequent travelers.
Pros:
- High rewards on travel and dining
- Luxury travel benefits
Cons:
- High annual fee
- Limited bonus categories
Final Words
As you explore the best credit card signup bonuses this February, remember that selecting the right card can significantly enhance your rewards and savings. Take time to compare different options to ensure you choose a card that aligns with your spending habits and financial goals.
Frequently Asked Questions
Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months.
Earn unlimited 5x points on hotels, 4x on airlines, 3x on other travel/dining, and 1x on other purchases.
Earn 150,000 Hilton Honors Bonus Points after spending $6,000 in purchases in the first 6 months.
Earn 12X Hilton Honors Bonus Points on purchases made directly with Hilton, 6X on U.S. dining, gas, and groceries, and 3X on all other purchases.
Premium credit cards often have higher annual fees, typically ranging from $150 to $550. However, these fees can be offset by the value of the rewards and benefits they offer, so it's essential to evaluate your spending habits.
Consider your spending habits, the types of rewards you want (cashback, travel points, etc.), and any annual fees. Compare welcome bonuses, reward rates, and additional benefits to find a card that aligns with your financial goals.
Yes, most credit cards require a good to excellent credit score for approval. Additionally, you may need to meet certain income and residency criteria, so it's important to check the specific requirements for each card.
