$5,000 in 3 months · $95 annual fee · Subject to Chase 5/24 and a tightened Sapphire-family rule; verify at application
$4,000 in 3 months · $395 annual fee · 48-month lockout on repeating this card's bonus
None · $0 annual fee
$6,000 in 3 months · $595 annual fee · Citi same-card lockout (24 or 48 months, disputed); ~1 new-card approval per 8 days cap
The welcome offers worth the spend, then the credits you already own and should use before they lapse.
| Card | Bonus | Spend | Fee | Ends | Apply |
|---|---|---|---|---|---|
| Chase Sapphire PreferredpublicChase | 75,000 points | $5,0003 months | $95 | — | Apply ↗ |
| Capital One Venture XpublicCapital One | 75,000 miles | $4,0003 months | $395 | — | Apply ↗ |
| Bilt MastercardpublicCardless | $100 Bilt Cash | None | $0 | — | Apply ↗ |
| Citi Strata ElitepublicCiti | ~75,000 points (verify at application) | $6,0003 months | $595 | — | Apply ↗ |
| Chase Ink Business PreferredpublicChase | 100,000 points | $8,0003 months | $95 | — | Apply ↗ |
Chase Sapphire Preferred: Subject to Chase 5/24 and a tightened Sapphire-family rule; verify at application
Capital One Venture X: 48-month lockout on repeating this card's bonus
Citi Strata Elite: Citi same-card lockout (24 or 48 months, disputed); ~1 new-card approval per 8 days cap
Advertiser disclosure: we may earn a commission if you apply for a card through the links on this page. It never affects which cards we show or what we say about them. How this works
Cents per point, from the one table used for every dollar figure on this site. Arrows mark programs that moved 0.1¢ or more since the last edition.
Every rate above comes from the rates PointsUser publishes, September 2026. Nothing on this site uses a different number.
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