Credit Cards 🎁 Top Bonus Offer.

    

A credit card bonus offer is a promotional incentive provided by credit card companies to encourage new customers to sign up for their credit cards. These offers usually come in the form of a sign-up bonus or welcome bonus, which typically requires the cardholder to spend a certain amount of money within a specified time period in order to receive a bonus reward.

    For example, a credit card company may offer a sign-up bonus of 50,000 points or miles to new cardholders who spend $3,000 in the first three months of opening their account. The bonus reward may be in the form of cashback, points, miles, or other types of rewards.

    Credit card bonus offers are designed to attract new customers and increase usage of the credit card. It's important to read the terms and conditions of the bonus offer carefully to ensure that you meet the requirements and understand any limitations or restrictions. 

The Best Top 10 Small Business Credit Card Bonus Offers  and Tip: Credit card Smart Use.

Chase Aeroplan Credit Card

    70,000 bonus Aeroplan points. 70,000 points after $3,000 in purchases within 3 months. See link for details.

Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.

Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.

$100 Global Entry or TSA Precheck credit.

$95 annual fee.

Subject to 5/24 rule.

Alaska Airlines Visa Card (Bank of America)

    70,000 bonus miles + $100 statement credit + Companion Fare voucher after $3,000 in purchases within first 90 days. See link for details.

Companion fare voucher is “Buy one ticket, get one from $121” ($99 fare plus taxes and fees from just $22).

Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $60 roundtrip per person).

$95 annual fee.

Compare with alternative offer.

Barclays AAdvantage Aviator Red Mastercard

    60,000 American Airlines miles after any purchase in the first 90 days. See link for details.

First checked bag free on domestic AA flights ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

Citi Premier Card

    60,000 points (worth $600 in gift cards, or transferrable to miles) after $4,000 in purchases in the first 3 months. See link for details.

3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.

Must not have gotten bonus from or closed a Citi Rewards+, Thank You Preferred, Premier, or Prestige card in the past 24 months.

$95 annual fee.

Marriott Bonvoy Boundless Card

    3 Free Night Awards (each night valued up to 50,000 points) after $3,000 in purchases within the first 3 months. See link for details.

    Free Night after each account anniversary year (valued up to 35,000 Marriott points).

$95 annual fee.

Subject to 5/24 rule.

IHG Rewards Club Traveler Card

    120,000 IHG Rewards club points after $2,000 in purchases within the first 3 months. See link for details.

4th Award Night Free (Book 3 nights in a row with points, 4th is free)

No annual fee.

Subject to 5/24 rule.

Chase Sapphire Preferred Card

    60,000 Ultimate Rewards points (worth $750 minimum towards travel and more) after $4,000 in purchases within the first 3 months. See link for details.

$50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases.

$95 annual fee.

Subject to 5/24 rule.*

Upgrade pick: Chase Sapphire Reserve Card. Higher travel perks including airport lounge access, higher annual fee.

Capital One Venture X Rewards Card

    75,000 miles (worth $750 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.

$300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.

Priority Pass airport lounge access. Additional cardholders are free, and also get their own Priority Pass!

Up to $100 credit towards TSA Precheck or Global Entry application fee.

$395 annual fee.

The Platinum Card from American Express

    100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.

$200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!

$100 Global Entry or $85 TSA Precheck fee credit.

Premium airport lounge access through the American Express Global Lounge Collection®.

$695 annual fee.

Citi / AAdvantage Platinum Mastercard

    60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.

First checked bag free on domestic AA flights ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

Tip:

 Credit cards Smart Use

    Used responsibly, a credit card can be a very helpful financial tool. Making consistent, on-time payments can boost your credit rating, and some cards offer rewards for purchases or even a 0% interest rate for a short period of time on balances transferred from other credit cards.

    Using a credit card is relatively straightforward, but there are some important things to keep in mind to ensure you use it responsibly and avoid falling into debt. Here are some steps to follow when using your credit card:

6 tips for Credit card  user!

1. Pay off your balance every month.

    Avoid paying interest on your credit card purchases by paying the full balance each billing cycle.1 Resist the temptation to spend more than you can pay for any given month, and you’ll enjoy the benefits of using a credit card without interest charges.

2. Use the card for needs, not wants.

    A credit card should be used carefully. Frivolous purchases can lead to debt. Credit cards can be used in emergency situations, such as a mobile phone bill that’s due before your next payday. Use the credit card as a temporary loan to yourself, and then pay back the amount as soon as you can to decrease or avoid interest charges altogether.

3. Never skip a payment.

    Pay your bill every month, even if the minimum payment is all you can afford. Missing a payment could result in a late fee, penalty interest rates and a negative impact to your credit score.

4. Use the credit card as a budgeting tool.

    If you’re confident you can use a credit card responsibly and pay off the balance every month, try using it as a budgeting tool. By making all of your purchases with your credit card, you can see exactly how much you’ve spent at the end of the month. Of course, you should only do this if you know you can pay off the balance each month. To make sure your credit card spending doesn’t get out of hand, never charge more to your card than you have in your bank account.

5. Use a rewards card.

    If you’re using a credit card for most or all of your purchases, it makes sense to use a card that offers rewards. Not only can you avoid paying interest, but you’ll also earn rewards such as cash, airline miles or retail points.

6. Stay under 30% of your total credit limit.

    One way to keep your credit score healthy is to keep your credit utilization ratio under 30%. This credit utilization ratio is the percentage of total available credit that you’re using. For example, if your limit is $1,000 you should keep your balance under $300. But the ratio applies to the sum of all your cards – so if one credit card has a $3,000 limit with a $3,000 balance and a second card has a limit of $7,000 with no balance, you’re right at the 30% mark ($3,000 of an available $10,000) which is where you want to be.

    In conclusion, using your credit card in a smart and responsible way can help you build a good credit score, earn rewards and benefits, and avoid falling into debt. 

    By following these guidelines, you can use your credit card to your advantage and build a healthy financial future. Remember, credit cards can be a powerful tool when used wisely, but they can also lead to financial troubles if used recklessly.