2021 at last! I’m not sure things will look too different from 2020 for a bit, but here’s hoping. There hasn’t been much movement in the top credit card list from last month. Some of the best offers of the moment are on credit cards from Chase. Here’s my list of top credit card sign-up bonuses for January 2021.

Barclays JetBlue Plus Card
JetBlue Plus
  • 100,000 point offer! 50,000 points after spending $1,000 in the first 90 days and an additional 50,000 points after spending $6,000 in the first 12 months
  • $99 annual

This is the highest offer on the JetBlue Plus card yet! 100,000 points can last you a while when traveling in the United States. Since JetBlue points are directly linked to a cash value (about 1.4 cents each), this sign-up bonus is worth over $1,000! There is also a similar offer on the JetBlue Business card.

American Express Platinum Card
American Express Platinum
  • 75,000 points after spending $5,000 in the first 6 months
  • $550 annual fee

This is the best offer with a publicly available link, but you might have a shot at getting 100,000 or even 125,000 points. Click here to find out more.

American Express Gold Card
Amex Gold Card
  • 60,000 points after spending $4,000 in the first 3 months
  • $250 annual fee

The Amex Gold card usually offers 35,000 points so it’s worth snagging it now. Keep in mind you can only get this sign-up bonus once. Also, you won’t be eligible if you previously had the Amex Premier Rewards Gold card.

Marriott Bonvoy Brilliant from American Express
  • Platinum Elite status for 2021
  • 125,000 point offer! 100,000 Marriott points after spending $5,000 in the first 3 months plus an additional 25,000 points after first anniversary
  • $450 annual fee

Not only is 100,000 points a good offer, but you can get Platinum Elite status just by opening the card! This card has a high annual fee but benefits like a $300 Marriott statement credit each year and an annual free award night (redemption level 50,000 points or less) help make up for it. As with all Amex cards, you can only get the sign-up bonus once. Keep in mind there are even more restrictions on Marriott cards since Chase offers them as well (see here).

Southwest Rapid Rewards Plus from Chase
  • 80,000 point offer! 50,000 Rapid Rewards points after spending $2,000 in the first 3 months and earn 30,000 points after spending $10,000 in the first 9 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
  • 80,000 point offer! 50,000 Rapid Rewards points after spending $2,000 in the first 3 months and earn 30,000 points after spending $10,000 in the first 9 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 (see here).

Southwest Rapid Rewards Priority from Chase
southwest priority
  • 80,000 point offer! 50,000 Rapid Rewards points after spending $2,000 in the first 3 months and earn 30,000 points after spending $10,000 in the first 9 months
  • $149 annual fee

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

Southwest Rapid Rewards Performance Business Card from Chase
Southwest Performance Business Card
  • 100,000 point offer! 70,000 points after spending $5,000 in the first 3 months and 35,000 miles after spending $25,000 in the first 6 months
  • $199 annual fee

I’m not sure about spending $25,000 on this card in six months, but the 70,000 point offer isn’t too bad on its own. 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 Premier Business Card from Chase
southwest premier business
  • 60,000 points after spending $3,000 in the first 3 months
  • $99 annual fee

I usually recommend pairing a Southwest business card with one of the Southwest personal cards to get the Companion Pass but that might not be the most useful thing right now. Either way, it’s a good option for stocking up on Southwest points.

Chase United Explorer
  • 70,000 point offer! 60,000 United miles after spending $2,000 in the first 3 months and earn 10,000 miles after spending $6,000 in the first 6 months
  • $95 annual fee, waived first year

This is one of the better sign-up bonuses you’ll see on the United Explorer card. I don’t tend to get much out of the benefits liked a free checked bag, but I always find it useful to have some United miles available, usually for partner awards.

IHG Credit Card from Chase
chase ihg premier
  • 140,000 points after spending $3,000 in the first 3 months and $50 statement credit after first purchase
  • $89 annual fee, waived first year

This is the best sign-up bonus yet on this card. My favorite thing about this card is the fourth night free benefit on award redemptions. Along with the free anniversary night, this card can be a real money saver if you like to stay at IHG properties.

Chase Freedom Unlimited
chase freedom unlimited
  • 20,000 points after spending $500 in the first 3 months and 5% back on groceries on up to $12,000 spent in the first year
  • No annual fee

Chase Freedom Unlimited is a good card to have in general. Recent updates to the card now allow you to earn 5x points on travel purchases through Chase, 3x points on dining and drug stores, and 1.5x points on all other 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 Flex
Chase Freedom Flex
  • 20,000 points after spending $500 in the first 3 months and 5% back on groceries on up to $12,000 spent in the first year
  • No annual fee

The Chase Freedom Flex is the new version of the Chase Freedom. This card earns 5x points on rotating categories up to $1,500 per quarter, 5x points on travel purchases through Chase, 3x points on dining and drug stores, and 1x points on all other purchases. Like Chase Freedom Unlimited, this card has a limited time 5x grocery category as part of the sign-up bonus. Along with Chase Freedom Unlimited and a Chase Sapphire card, the Chase Freedom completes the Chase Ultimate Rewards credit card “trifecta”. You can transfer points to airlines if you have a Chase Sapphire Preferred or Reserve, or Chase Ink Preferred.

Chase Ink Business Unlimited
Chase Ink Unlimited
  • 75,000 points after spending $7,500 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
  • 75,000 points after spending $7,500 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.

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.

Above offers available as of 1/3/2020. 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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