The best credit card welcome bonuses of October 2025

If you haven'tevaluated your credit card portfoliolately, now is a great time to do so. Credit card welcome bonuses and offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in ourbest credit cardsguide.

But to help you keep up with an ever-changing list of bonuses, we've also compiled a list of the best card offers currently available, especially the ones that are worth an extra look right now because they are at all-time highs or may end soon.

Sincemany issuers have restrictionson how often you can earn a bonus on a card, it's important to time your application for when there's a good offer. Also,higher bonusesdon't always stick around for long, so if you're considering one of these offers, you'll want to hop on it sooner rather than later.

Finally, if you're not ready to add a higher-end credit card, considerthese great starter cardsor even one with a0% introductory annual percentage rate offer.

The best credit card offers of October 2025

*Welcome offervalue is determined using TPG's October 2025valuationsand is not provided by nor reviewed by the issuer.

Chase Sapphire Reserve for Business

The Chase Sapphire Reserve for Business is Chase'snewestand most premium business card. Its introductory welcome offer is worth a whopping $4,100 based on TPG's valuations.

This card shares many similarities with the Sapphire Reserve, including lounge access, an annual $300 flexible travel credit, great travel protections and access to Chase's impressive roster of transfer partners. Plus, you'll earn 8 points per dollar spent on Chase Travel℠ purchases, 4 points per dollar spent on flights and hotels booked directly and 3 points per dollar spent on social media and search engine advertising with no spending cap.

This card is gearing up to be one of the top picks forbusiness cards.

To learn more, check out ourfull review of the Chase Sapphire Reserve for Business.

Apply here:Chase Sapphire Reserve for Businesswith 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.

American Express Business Platinum Card

Thisbusiness cardwas recentlyrefreshedand stands out not only for its extremely valuable welcome offer but also for travel perks that can easily cover the card's $895 annual fee.

Cardmembers enjoyautomatic Gold statusin both theHilton HonorsandMarriott Bonvoyloyalty programs (enrollment required), along with some of thebest lounge accessperks of any business card out there.

As far as earning rates go, cardmembers earn 5 points per dollar spent on flights and prepaid hotels booked on amextravel.com and 2 points per dollar spent on eligible purchases in select business categories and eligible purchases of $5,000 or more (up to $2 million of these purchases per calendar year, then 1 point per dollar spent).

To learn more, check out ourfull review of the American Express Business Platinum.

Apply here:The Business Platinum Card from American Expresswith 200,000 bonus points after spending $20,000 on purchases in the first three months of card membership.

American Express Platinum Card

Often referred to as theking of the premium travel rewards cards, the Amex Platinum offers a slew of benefits, along with a $895 annual fee. The card just received arefresh,adding and enhancing statement credits.

Cardmembers enjoy perks likeautomatic elite statuswith Hilton Honors, Marriott Bonvoy and Leaders Club from Leading Hotels of the World (enrollment required), plus some of thebest airport lounge accessof any card for eligible cardmembers.

Cardmembers also enjoy 5 points per dollar spent on flights booked directly with airlines or with American Express Travel®(on up to $500,000 in purchases per calendar year, then 1 point per dollar spent), 5 points per dollar spent on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

To learn more, check out ourfull review of the American Express Platinum.

Apply here:The Platinum Card from American ExpressFind out your offer and see if you're eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.

Capital One Venture X Business

The Capital One Venture X Business is the business version of the popular Capital One Venture X. Like its personal counterpart, it offers luxury travel perks at a reasonable annual fee and has a simple earning structure of at least 2 miles per dollar spent on all purchases.

This card is an excellent choice for small-business owners who prioritize simplicity. It offers benefits likeairport lounge accessand a valuable travel credit for a relatively affordable annual fee.

To learn more, check out ourfull review of the Venture X Business.

Learn more:Capital One Venture X Businesswith 150,000 miles after spending $30,000 on purchases in the first three months from account opening.

Chase Sapphire Reserve

The Chase Sapphire Reserve is one of thebest rewards credit cardson the market to upgrade your travel lifestyle. It just went through amajor refresh, coming out with an increased annual fee but numerous travel benefits and statements to provide cardholders more value.

You'll earn 8 points per dollar spent on purchases made through Chase Travel and 4 points per dollar spent on flights and hotels booked directly, allowing you to easily rack up valuable Ultimate Rewards points on your travel purchases.

Points can be used to book travel directly through Chase Travel at a value of up to 2 cents per point, depending on the specific redemption (see your rewards program agreement for full details).

You'll also get a $300 annual travel credit,airport lounge accessand a host of other great perks.

To learn more, check out ourfull review of the Sapphire Reserve.

Apply here:Chase Sapphire Reservewith 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.

American Express Business Gold

The Amex Business Gold is a fantastic card for business owners looking to maximize earnings from a single card.

It has 4-point-per-dollar spent earning categories that automatically reflect your highest spending areas (on the top two eligible spending categories each billing cycle; capped at $150,000 in combined purchases each calendar year, then 1 point per dollar spent).

To learn more, check out ourfull review of the Amex Business Gold.

Apply here:American Express Business Gold Cardwith 100,000 bonus points after spending $15,000 on eligible purchases in the first three months of card membership.

Capital One Spark Cash Plus

This business card stands out for its simplicity, earning unlimited 2% cash back on all purchases.

Additionally, you can get your $150 annual fee refunded if you spend $150,000 or more per calendar year.

This card is worth consideration if you're a high-spending business owner looking for a lucrative welcome offer and simple earnings.

To learn more, check out ourfull review of the Capital One Spark Cash Plus.

Learn more:Capital One Spark Cash Pluswith $2,000 cash back after spending $30,000 in the first three months. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.

American Express Gold

The Amex Gold card is a favorite of many TPG staffers, largely thanks to its terrific earning rates on dining at restaurants worldwide and groceries at U.S. supermarkets (subject to spending caps).

It earns at the following rates:

• 4 points per dollar spent on dining at restaurants worldwide (first $50,000 in purchases per calendar year, then 1 point per dollar spent)
• 4 points per dollar spent at U.S. supermarkets (first $25,000 in purchases per calendar year, then 1 point per dollar spent)
• 3 points per dollar spent on flights booked with airlines or on AmexTravel.com
• 2 points per dollar spent on prepaid hotels and other eligible travel purchases booked through AmexTravel.com
• 1 point per dollar spent on other eligible purchases

The card also offers multipledining statement creditsto help offset its relatively manageable annual fee of $325.

Enrollment is required for select benefits.

To learn more, check out ourfull review of the American Express Gold.

Apply here:American Express Gold CardFind out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.

Citi Strata Elite

The Citi Strata Elite is Citi's newest premium credit card, with a lucrative welcome offer worth $1,900 based on TPG's valuations.

The Strata Elite has a $595 annual fee, but packs a punch with valuable statement credits, Priority Pass lounge access, American Airlines Admirals Club lounge passes and a suite of travel protections.

Plus, you'll earn bonusCiti ThankYou pointsin a variety of travel and dining categories. These points can now be transferred toAmerican Airlines, giving them considerably more value for cardholders.

To learn more, check out ourfull review of the Citi Strata Elite.

Apply here:Citi Strata Elite Cardwith 100,000 bonus points after spending $6,000 in the first three months from account opening.

Atmos Rewards family of cards

TheAtmos Rewardscards are the rebranded Alaska Airlines credit cards under thenew joint loyalty programwith Hawaiian Airlines. According to TPG'svaluations, they are currently offering welcome bonuses worth at least $1,200.

These cards provide perks when flying on Alaska and Hawaiian Airlines. Additionally, they each come with aCompanion Fareor award.

Learn more about theAtmos Rewards card offerings.

Apply here:Atmos Rewards Summit Visa Infinite Credit Cardwith 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 or more on purchases within the first 90 days of account opening.

Apply here:Atmos Rewards Ascent Visa Signature Credit Cardwith 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days from account opening.

Apply here:Atmos Rewards Visa Signature Business Cardwith 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $5,000 or more on purchases within the first 90 days from account opening.

Southwest Rapid Rewards Performance Business

Many travelers love Southwest Airlines, and this love only grows if you have a Southwest Airlines credit card in your wallet.

With all the changes happening at Southwest, includingbag fees,seat assignmentsand anupdated boarding process, it's more rewarding than ever to hold a cobranded Southwest credit card.

Currently, new Performance Business cardholders can earn a welcome offer worth $1,680 according to TPG'svaluations.

When you pair those perks with a strong route network, including international destinations and Hawaii, and the easy-to-use Rapid Rewards frequent flyer program, it's easy to see why Southwest has created a loyal customer base.

To learn more, check out ourfull review of the Southwest Performance Business.

Apply here:Southwest Rapid Rewards Performance Business Credit Cardwith 120,000 bonus points after spending $10,000 on purchases in the first three months from account opening.

Chase Sapphire Preferred

The Chase Sapphire Preferred is one of the best and most cost-effective travel rewards credit cards on the market.

As for earning rates, the Sapphire Preferred racks up 5 points per dollar spent on Lyft rides (through Sept. 30, 2027) and travel purchased throughChase Travel, 3 points per dollar spent on dining, select streaming and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar spent on other travel purchases and 1 point per dollar on all other purchases.

To learn more, check out ourfull review of the Sapphire Preferred.

Apply here:Chase Sapphire Preferred Cardwith 75,000 bonus points after spending $5,000 on purchases in the first three months of account opening.

Delta SkyMiles family of cards

Delta's personal and business cards are sporting elevated welcome offers, with five providing over $1,000 in value, based on TPG's valuations.

Many travelers loveDeltadue to its onboard product and loyalty program. Delta has a solid family of credit cards, offering perks like free checked bags and priority boarding to premium cards that include perks like lounge access and complimentary upgrades.

To learn more, check outour breakdown of the welcome offers on Delta's cards.

Apply here:Delta SkyMiles Reserve Business American Express Cardwith 125,000 bonus miles after spending $15,000 on purchases with the card within the first six months of card membership. This offer ends Oct. 29.

Apply here:Delta SkyMiles Reserve American Express Cardwith 125,000 bonus miles after spending $6,000 on purchases with the card within the first six months of card membership. This offer ends Oct. 29.

Apply here:Delta SkyMiles Platinum Business American Express Cardwith 100,000 bonus miles after spending $8,000 on purchases with the card within the first six months of card membership. This offer ends Oct. 29.

Apply here:Delta SkyMiles Platinum American Express Cardwith 90,000 bonus miles after spending $4,000 on purchases with the card within the first six months of card membership. This offer ends Oct. 29.

Apply here:Delta SkyMiles Gold Business American Express Cardwith 90,000 bonus miles after spending $6,000 on purchases with the card within the first six months of card membership. This offer ends Oct. 29.

Aeroplan Card

The Aeroplan Credit Card is one of the best cobranded airline credit cards on the market, with redemption flexibility and valuable airline benefits. Its current welcome offer is worth up to $1,400 based on TPG's valuations.

Aeroplan pointsare an extremely valuable currency that allows you to book domestic flights onUnitedor flights around the globe withStar Alliance Airlinesand other partner carriers. Best of all, Aeroplan still uses an award chart for partner award flights.

With its strong earning rate and incentives to spend on the card beyond earning the welcome bonus, the Aeroplan credit card is worth considering for many points and miles enthusiasts — even those who don't live in Canada.

To learn more, check out ourfull review of the Aeroplan card.

Apply here:Aeroplan Credit Cardwith up to 100,000 bonus points — 75,000 bonus points after spending $4,000 on purchases in the first three months of account opening plus 25,000 bonus points after spending $20,000 on purchases in the first 12 months of account opening.

Capital One Venture X Rewards

The Venture X card is Capital One's personal premium rewards card, offering great earning rates and incredible perks.

According to our valuations, the card offers a hefty welcome bonus worth about $1,388. Cardholders can also accessexcellent airline and hotel transfer partners.

It also offers$300 in creditsannually for bookings made throughCapital One Travel,extensive lounge accessand 10,000 bonus miles every account anniversary.

As for earning rates, the Venture X racks up 10 miles per dollar spent on hotels and car rentals booked through Capital One Travel, 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel and an unlimited 2 miles per dollar spent on everything else.

To learn more, check out ourfull review of the Capital One Venture X.

Learn more:Capital One Venture X Rewards Credit Cardwith 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

Capital One Venture Rewards

The Venture Rewards packs a good punch for a mid-tier credit card.

It earns a flat 2 miles per dollar spent on all purchases worldwide, but you can earn 5 miles per dollar on hotels, vacation rentals and car rentals booked through Capital One Travel. The miles you earn with this card can be transferred toCapital One's 15-plus airline and hotel partnersor redeemed through theCapital One Travelportal.

The card stands out for offering anapplication fee credit for Global Entry or TSA PreCheck; many other cards that offer this benefit have annual fees of $400 or more.

The Venture Rewards card doesn't chargeforeign transaction fees, so you can use the card overseas without paying extra.

To learn more, check out ourfull review of the Capital One Venture Rewards.

Learn more:Capital One Venture Rewards Credit Cardwith 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

United family of cards

The United family of cards was

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