Wow, it’s the start of a new decade! You can still get the increased sign-up bonuses on the American Express Delta cards ahead of the refresh at the end of the month. All three Southwest personal cards from Chase have increased sign-up bonuses, and it’s one of the best offers yet. Here’s my list of top credit card sign-up bonuses for January 2020.

Gold Delta SkyMiles Credit Card from American Express
Gold Delta Credit Card from American Express
  • 60,000 miles after spending $2,000 in the first 3 months
  • $50 statement credit after making a Delta purchase in the first 3 months
  • $95 annual fee, waived first year

60,000 miles is typically the highest offer for the Gold Delta card. It is also fairly simple to get the $50 statement credit; I paid $5.60 in fees on an award booking to trigger it. For those looking to build up their SkyMiles account, now’s the time to do it. As a note, SkyMiles never expire but they can be devalued over time. Check out the 70,000 mile offer on the business card.

Platinum Delta SkyMiles Credit Card from American Express
Platinum Delta Credit Card from American Express
  • 75,000 miles and 5,000 Medallion Qualification Miles (MQMs) after spending $3,000 in the first 3 months
  • $100 statement credit after making a Delta purchase in the first 3 months
  • $195 annual fee

The Platinum Delta card from Amex comes with a $195 annual fee, but is a great option for those who are trying to earn elite status with the airline. The first level of Medallion Status is Silver which can be earned after 25,000 MQMs. With the Platinum card, you’re a fifth of the way there. Check out the 80,000 mile offer on the business card.

Delta Reserve SkyMiles Credit Card from American Express
  • 75,000 miles and 5,000 Medallion Qualification Miles (MQMs) after spending $5,000 in the first 3 months
  • $450 annual fee

This card has a high annual fee, but it might make sense if you’ve never gotten the sign-up bonus and you plan on flying Delta within the next year. Benefits include a free checked bag and Delta Sky Club access. Check out the 80,000 mile offer on the business card.

Southwest Rapid Rewards Premier Business Card from Chase
southwest premier business
  • 60,000 points after spending $3,000 in the first 3 months
  • $99 annual fee

You can get both Southwest business cards and/or one of the Southwest personal cards to try to earn the Companion Pass. Since the year is almost over, now is the time to start thinking about earning it for 2020/2021. Keep in mind that you need 125,000 points to earn the Companion Pass instead of 110,000 points.

Southwest Rapid Rewards Performance Business Card from Chase
Southwest Performance Business Card
  • 80,000 points after spending $5,000 in the first 3 months
  • $199 annual fee

The Southwest Rapid Rewards Performance Business card offers some great benefits including 3x points on Southwest purchases, 9,000 points on your cardmember anniversary, four upgraded boardings per year, inflight WiFi credits, and Global Entry fee reimbursement.

Southwest Rapid Rewards Plus from Chase
  • 75,000 point offer! 40,000 Rapid Rewards points after spending $1,000 in the first 3 months and earn 35,000 points after spending $5,000 in the first 6 months
  • $69 annual fee

This increased offer on the Southwest personal cards is the best yet. Just remember, you can only get one personal card. Paired with a business card, this can help you easily earn the Companion Pass. 

Southwest Rapid Rewards Premier from Chase
southwest premier
  • 75,000 point offer! 40,000 Rapid Rewards points after spending $1,000 in the first 3 months and earn 35,000 points after spending $5,000 in the first 6 months
  • $99 annual fee

When choosing a Southwest personal card, you’ll have to compare cardmember benefits to see which card is right for you.

Southwest Rapid Rewards Priority from Chase
southwest priority
  • 75,000 point offer! 40,000 Rapid Rewards points after spending $1,000 in the first 3 months and earn 35,000 points after spending $5,000 in the first 6 months
  • $149 annual fee

Again, you’ll have to compare cardmember benefits to see which card is right for you. If you’re a bigtime Southwest flyer, you might get more from benefits like the $75 Southwest annual travel credit and four upgraded boardings per year.

Chase Freedom Unlimited
chase freedom unlimited
  • 20,000 points after spending $500 in the first 3 months
  • No annual fee

Chase Freedom Unlimited is a good card to have in your wallet. You’ll earn 1.5x points on all purchases. While it looks like a cashback card on the surface, you can transfer points to airlines if you have a Chase Sapphire Preferred or Reserve, or Chase Ink Preferred.

Chase Freedom
chase freedom
  • 20,000 points after spending $500 in the first 3 months
  • No annual fee

Along with Chase Freedom Unlimited and a Chase Sapphire card, the Chase Freedom completes the Chase Ultimate Rewards credit card “trifecta”. You’ll earn 5x points on quarterly rotating categories. Like with Chase Freedom Unlimited, you can transfer points to airlines if you have a Chase Sapphire Preferred or Reserve, or Chase Ink Preferred.

Chase Sapphire Preferred
Chase Sapphire Preferred
  • 60,000 points after spending $4,000 in the first 3 months
  • Earn 5,000 points for adding an authorized user
  • $95 annual fee

This is about as good as this sign-up bonus will ever get. The annual fee is no longer waived for the first year, but the extra 10,000 points make up for it. The rules on Chase Sapphire cards are now pretty strict, so make sure you are eligible before signing up.

Chase Sapphire Reserve
Chase Sapphire Reserve
  • 50,000 points after spending $4,000 in the first 3 months
  • $450 annual fee

While the sign-up bonus is smaller, Chase Sapphire Reserve is still one of the best cards around for its travel protection benefits. I still think it’s worth getting this card for the 50,000 point sign-up bonus and possibly keeping it since the annual fee is only $150 if you deduct the $300 travel credit. The rules on Chase Sapphire cards are now pretty strict, so make sure you are eligible before signing up.

Chase Ink Business Preferred
Chase Ink Preferred
  • 80,000 points after spending $5,000 in the first 3 months
  • $95 annual fee

This is currently Chase’s highest bonus on a card that earns Chase Ultimate Rewards points. Points are worth 1.25x when redeemed on Chase’s portal. You can also transfer to Chase’s travel partners at a 1:1 ratio. You’ll earn 3x points on travel purchases and business-related expenses like shipping purchases, Internet, cable and phone services, and social media/online advertising. Might as well pay some bills with this card!

Chase Ink Business Unlimited
Chase Ink Unlimited
  • 50,000 points after spending $3,000 in the first 3 months
  • No annual fee

Like the Chase Freedom Unlimited, you can earn unlimited 1.5x points (or cashback) on all purchases with this card. The bonus is technically $500 cashback, but you can use the points as Chase Ultimate Rewards points if you have the Chase Sapphire Preferred or Reserve, or Chase Ink Preferred. This is a good choice if the bonus categories from Chase Ink Cash or Preferred don’t work for you. The sign-up bonus also makes this card an obvious choice.

Chase Ink Business Cash
  • 50,000 points after spending $3,000 in the first 3 months
  • No annual fee

This is the best bonus we’ve seen on this card. It’s a great deal considering there is no annual fee. The bonus is technically $500 cashback, but you can use the points as Chase Ultimate Rewards points if you have the Chase Sapphire Preferred or Reserve, or Chase Ink Preferred. You’ll earn 5x points on the first $25,000 spent in combined purchases at office supply stores and on Internet, cable, and phone services as well as 2x points on the first $25,000 spent in combined purchases at gas stations and restaurants.

Alaska Airlines Visa Signature from Bank of America
card image
  • 40,000 miles and $100 statement credit after spending $2,000 in the first 3 months
  • Companion Fare – Buy one ticket, get one for $99 + taxes and fees
  • $75 annual fee

The Alaska Airlines credit card offers usually sit at 30,000 miles for a $1,000 spending requirement. Since these miles are so versatile, the extra $1,000 spend is worth it for 10,000 more miles. Also, the $100 statement credit offsets the annual fee. Just be careful with Bank of America’s rules. There is also a similar offer on the business card, but without the statement credit.

Barclays AAdvantage Aviator Red World Elite Mastercard
Barclaycard Aviator Red
  • 60,000 miles and an introductory Companion Certificate good for 1 guest at $99 (plus taxes and fees) when you make your first purchase in the first 90 days
  • $95 annual fee, waived first year

It’s rare these days to see an offer with such a high bonus without a spending requirement. You can also apply for an even better offer on the business card, though it requires spending $1,000.

Citi Premier
citi thankyou premier
  • 60,000 points after spending $4,000 in the first 3 months
  • $95 annual fee, waived first year

The sign-up bonus is worth a minimum of $750 towards airfare! In addition to the bonus, you’ll earn 3x points on travel and 2x on dining out and entertainment. Points can also be transferred to airlines including Singapore Airlines and JetBlue.

Capital One Venture Card
Capital One Venture
  • 50,000 points after spending $3,000 in the first 3 months
  • $95 annual fee, waived first year

This is a slightly higher offer on the Capital One Venture card. What makes the offer so exciting is that Capital One recently introduced transfer partners like Air France/KLM and Emirates. This card also comes with a Global Entry or TSA PreCheck fee credit.

Above offers available as of 1/1/20. Click here for the most up-to-date offers.

Editorial Note: Opinions expressed here the are author’s alone, not those of any bank or credit card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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