Once upon a time, the majority of loyalty-rewards points were earned for traveling. No more.
Today, more points are earned for credit-card purchases than for flying or staying in hotels or, well, for anything. Which explains why today's frequent-flyer programs are more accurately referred to as frequent-buyer programs.
When it comes to racking up credit-card points, the single largest trove of points is likely to be the sign-up bonus offered by the card issuer to new cardholders who meet certain requirements, typically by meeting a spending target within a set period.
In recent years, such sign-up bonuses have occasionally topped 100,000 miles, and anything less than 50,000 miles is generally considered a yawner by consumers who zealously monitor bonus levels in pursuit of the most generous payouts. The offers are in constant flux, rising and falling as market conditions change and card issuers' goals evolve.
With that in mind, following is our monthly roundup of the biggest sign-up bonuses currently on offer for the most popular travel-rewards charge and credit cards. Bear in mind that these are limited-time bonuses, confirmed to be in effect when this list is published, and could be reduced or eliminated at any time.
10 Major Credit Card Bonuses for April 2018
Welcome offer: 50,000 bonus points after spending $4,000 within the first 3 months of account opening.
Annual fee: $95, waived the first year.
Comment: Bonus points are redeemable for $625 in travel through the ThankYou portal.
Citi / AAdvantage Executive World Elite MasterCard
Welcome offer: 75,000 miles after spending $7,500 within the first 3 months of account opening.
Annual fee: $450.
Comment: This is the high-end AAdvantage card, which comes bundled with a slew of travel perks, including free first checked bag and airport lounge membership.
Gold Delta SkyMiles Card from American Express
Welcome offer: Earn 30,000 Bonus Miles after spending $1,000 in purchases in the first 3 months and a $50 statement credit after making a Delta purchase in the first 3 months with your new Card.
Annual fee: $95, waived the first year.
Comment: Card benefits include free first checked bag and priority boarding. (Please note: This offer has expired. You will be directed to the current offer)
IHG Rewards Club World MasterCard
Welcome offer: 60,000 points after spending $1,000 within the first 3 months of account opening.
Annual fee: $49, waived the first year.
Comment: In addition to the generous bonus, the card features a low annual fee, waived the first year, and a free night after cardholder's anniversary.
United MileagePlus Explorer Card
Welcome offer: 40,000 bonus miles after spending $2,000 within the first 3 months of account opening.
Annual fee: $95, waived the first year.
Comment: Card perks include free first checked bag, priority boarding, 2 1-time airport lounge passes on cardholder's anniversary.
Southwest Rapid Rewards Premier Credit Card
Welcome offer: 40,000 points after spending $1,000 within the first 3 months of account opening.
Annual fee: $99.
Comment: There's also a 6,000-point bonus every year, on the cardholder's account anniversary.
Marriott Rewards Premier Credit Card from Chase
Welcome offer: 75,000 points after spending $3,000 within the first 3 months of account opening.
Annual fee: $85, waived the first year.
Comment: Cardholders also receive a free night at a Category 1-5 hotel after each account anniversary. Good program, solid card, big bonus.
The Platinum Card from American Express
Welcome offer: 60,000 Membership Rewards points after spending $5,000 within the first 3 months of account opening.
Annual fee: $550. (see rates and fees)
Comment: While the card's annual fee is among the very highest, it also comes bundled with a robust set of travel perks, including lounge access, $200 statement credit for bag fees, and 5 points per $1 for flights booked direct with American Express. *Terms apply. (see rates and fees)
Welcome offer: 50,000 points after spending $4,000 within the first three months of account opening, plus an additional 5,000 points for adding an authorized user who uses the card within three months.
Annual fee: $95, waived the first year.
Comment: Ultimate Rewards points can be transferred into a number of airline and hotel programs, as well as redeemed for travel through the Ultimate Rewards portal. In the latter case, 50,000 points are worth $625.
Starwood Preferred Guest Credit Card from American Express
Welcome offer: 25,000 points after spending $3,000 within the first 3 months of account opening.
Annual fee: $95, waived the first year (see rates and fees)
Comment: While the bonus itself is comparatively modest, Starwood points are among the most valuable loyalty currencies, as they're transferable to 30-plus airline frequent flyer programs, mostly on a 1:1 basis. And there's a 5,000-point bonus when transferring 20,000 points to a participating airline program. (see rates and fees)
Final Thoughts on the Biggest Card Bonuses for April 2018
Many of the above-listed consumer cards are also available as business cards, sometimes featuring the same sign-up bonuses. That means it's possible to double up on the bonuses if you're eligible for a business as well as a consumer card.