Best Credit Card Promotions

One of the best Bank of America credit card promotions is a 50,000 points initial bonus from Bank of America® Premium Rewards® credit card. The best Bank of America credit card promotion for cash back is $200 for spending $1,000 in the first 90 days with Bank of America® Cash Rewards credit card. It also has a $0 annual fee and gives intro APRs of 0% for 12 billing cycles on purchases and 0% for 12 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 13.99% - 23.99% Variable. The balance transfer fee is 3% (min $10).

If you're looking for a Bank of America credit card promotion for financing, the BankAmericard® credit card will give you 0% intro APR on purchases for 12 billing cycles and balance transfers for 12 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 12.99% - 22.99% Variable. There are a few more cards worth your attention, too.

Here are the Bank of America credit card promotions:

• 50,000 points for spending $3,000 in the first 90 days: Bank of America® Premium Rewards® credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America® Cash Rewards credit card
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards credit card
• 0% intro APR on purchases for 12 billing cycles and balance transfers for 12 billing cycles for any balance transfers made in the first 60 days (3% (min $5) balance transfer fee): BankAmericard credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America® Cash Rewards Credit Card for Students
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards Credit Card for Students

You'll need to have excellent credit or be a college student to get one of these Bank of America credit card promotions. The cards also come with more than just their sign-up perks. They offer rewards on all purchases, for one thing.

For example, the Bank of America® Premium Rewards® credit card gives 2 points / $1 on travel, and the Bank of America® Cash Rewards credit card gives 3% cash back in the category of your choice and 2% on groceries and wholesale clubs (up to $2,500 spent per quarter in those categories combined). And most cards give you even more rewards when you have a Bank of America checking or savings account.

If you have bad credit, there's still a BofA card for you. You can get the Bank of America® Cash Rewards Secured Credit Card, which has a $0 annual fee. You make a security deposit of $300 and receive a credit line equal to that amount.

Current Lowe's credit card promotions include 5% off all Lowe's purchases and 6 months of 0% deferred interest on purchases of $299 or more. The Lowe's Store Card gives you a choice between the two. 

There are also Lowe's business credit card promotions. You get 5,000 points for spending $100 in the first 30 days. And there's a $75 statement credit when you spend another $200 in the first 60 days.

Occasionally, Lowe's also runs limited-time credit card promotions for all cardholders. For example, Lowe's credit card customers were offered an extra 10% off any purchase June 15-16, 2018. The Lowe's Store Card can only be used at Lowe's. But the business card can be used anywhere American Express is accepted.

Here are the Lowe's credit card promotions:

• 5% off all Lowe's purchases: Lowe's Store Card
• 6 months of 0% deferred interest on purchases of $299 or more: Lowe's Store Card. Can get this or 5% off purchases. 26.99% regular APR.
• 5,000 points when you spend $100 in the first 30 days: Lowe's Business Credit Card
• $75 statement credit when you spend $300 in the first 60 days: Lowe's Business Credit Card
• Special temporary discounts: Both Lowe's credit cards. A recent example is 10% off any purchase. 

The Lowe's Business Credit Card offers some great rewards, too. It gives 3 points per $1 at restaurants, office supply stores and wireless phone services. You also get 2 points per $1 at Lowe's and 1 everywhere else. Plus, the card comes with baggage insurance, extended warranty coverage, travel accident insurance and special discounts with Lowe's ProServices.

As far as the personal card goes, you should probably pick 5% off Lowe's purchases out of the two promotions. Deferred interest really isn't worthwhile. You'd get no interest if you pay in full within 6 months. But if you don't, you'd owe all 6 months' worth of interest at 26.99%. If you need to finance, you're better off getting a card that really gives you 0% interest and only charges interest on the balance that's left after the intro period ends. For example, you could try Citi Simplicity.

The best Chase credit card promotion is the Chase Sapphire Reserve® card's initial bonus of 50,000 points for spending $4,000 in the first 3 months. Sapphire Reserve points are worth 1.5 cents each when redeemed for travel, so the bonus is worth $750 as a whole. The card also has a $300 annual travel credit and good ongoing rewards, to help compensate for its $550 annual fee.

There are several other Chase credit card promotions, too, including some that extend beyond rewards. For example, you'll often find Chase credit cards offering 0% introductory APRs on purchases, balance transfers or both.

Best Chase Credit Card Promotions Right Now

Ink Business Preferred® Credit Card: 100,000 points for spending $15,000 in the first 3 months. $95 annual fee.

Chase Sapphire Preferred® Card: 60,000 points for spending $4,000 in the first 3 months. $95 annual fee.

Chase Sapphire Reserve®: 50,000 points for spending $4,000 in the first 3 months. $550 annual fee.

Chase Freedom Flex℠: $200 bonus for spending $500 in the first 3 months. Introductory APR of 0% for 15 months on purchases. $0 annual fee.

Chase Freedom Unlimited®: $200 bonus for spending $500 in the first 3 months. Introductory APR of 0% for 15 months on purchases. $0 annual fee.

There might be other Chase credit card promotions, but these are definitely some of the best ones on the market. Plus, most of these cards have additional promotions for referring a friend. Just keep in mind that they call them promotions for a reason. Chase can change them at any time. So if you see something you like, go for it.

The best United Airlines credit card promotion is 50,000 bonus miles when you spend $3,000 in the first 3 months with the United MileagePlus Club card. You also get a complimentary United Club lounge membership, which is worth $550 per year. The card will cost you $450 per year, but as long as you're a frequent traveler, you should get your money's worth.

Another interesting United Airlines credit card promotion comes from the United Explorer card: 40,000 bonus miles when you spend $2,000 in the first 3 months. And the card only charges $95 per year, with the first year free.

There are also some United business credit cards that offer good initial bonuses. And that's not all – other Chase cards like Sapphire Preferred will let you transfer your miles to United's loyalty program at a 1:1 ratio.

Here are the United Airlines credit card promotions:

• 50,000 bonus miles when you spend $3,000 in the first 3 months: United MileagePlus Club & United MileagePlus Business cards
• Free United Club lounge membership: United MileagePlus Club & United MileagePlus Business cards
• 40,000 bonus miles when you spend $2,000 in the first 3 months: United Explorer Card
• 25% statement credit on United in-flight food/beverage/Wi-Fi purchases: United Explorer Card
  
• Free 1stand 2ndchecked bags for you and one companion: United MileagePlus Club & United MileagePlus Club Business cards
• 10,000 bonus miles when you spend $25,000 in a calendar year: United MileagePlus Business Card
• $100 statement credit after first purchase: United MileagePlus Club Business Card
• Free 1stchecked bag for you and one companion: United MileagePlus Business Card
• Priority Boarding: United Explorer & United MileagePlus Business cards
• Transfer Chase Ultimate Rewards points to United miles at a 1:1 ratio: Chase Sapphire Preferred & Chase Sapphire Reserve cards

Though these cards have high annual fees, they certainly offer a lot of perks. If you take advantage of all these cards have to offer and travel frequently, you should more than make up for the fees. 

There are several great Chase Sapphire promotions right now. The Chase Sapphire Preferred and Chase Sapphire Reserve cards both offer large initial bonuses, along with even more ways to earn extra. And there's a lot more to be excited about too, like extra point redemption value and airport lounge access.

Here are all the Chase Sapphire promotions right now:

• 50,000 initial bonus points. Both Chase Sapphire cards offer 50K points when you spend $4,000 in the first 3 months your account is open. That's worth $600 in travel if you have Sapphire Preferred, $500 in travel with Sapphire Reserve, or a $750 statement credit with either. This promotion is available to anyone who hasn't gotten a Sapphire sign-up bonus in the past 24 months.
• Authorized user bonus. You'll get 5,000 points when you add an authorized user to your card and they make a purchase. But all that has to happen within three months of opening your account.
• Referral bonus. If someone applies for a Chase Sapphire card with your referral link and gets approved, you'll get 10,000 bonus points. You can do this up to 5 times per year, for a total of 50,000 points.
• Extra rewards on travel & dining. You'll earn 2 points per dollar in these categories with Sapphire Preferred and 3 points per dollar with Sapphire Reserve.
• Travel redemption bonus. Sapphire Preferred points are worth 25% more when redeemed for travel through Chase Ultimate Rewards, compared to a statement credit. Sapphire Reserve points are worth 50% more.
• First-year fee waiver. Sapphire Preferred's $95 annual fee is waived the first year you have it. Unfortunately, that doesn't apply to Sapphire Reserve's $450 annual fee.
• Annual travel credit. Sapphire Reserve gives you $300 in free travel every year.
• Airport lounge access. Sapphire Reserve gives you access to over 900 lounges worldwide. That's a $99 annual value

So in conclusion, with all of these Chase Sapphire promotions combined, you're in pretty good shape. You'll recoup the cost of many years' annual fees from points alone. And the other promotions pile more value on top.

One of the best Delta credit card promotions is 40,000 miles for spending $3,000 in the first 3 months with the Delta SkyMiles® Reserve American Express Card. It also offers a round-trip companion certificate every year. There's free Delta Sky Club access too. This card charges a hefty $550 annual fee, however.

Another good Delta credit card promotion is 40,000 miles for spending $3,000 in the first 3 months with the Delta SkyMiles® Platinum American Express Card. It also gives a free companion certificate every account anniversary when you renew the card.

The Delta SkyMiles® Reserve American Express Card, the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Gold American Express Card provide a free first checked bag and priority boarding. All Delta SkyMiles cards also offer a 20% statement credit on food, alcohol and audio headset purchases made on Delta flights. And those are just some of the Delta credit card promotions the airline currently offers.

Delta Airlines Credit Card Promotions:

Delta SkyMiles® Reserve American Express Card: 40,000 miles and 10,000 Medallion Qualification Miles (MQMs) after spending $3,000 in the first 3 months. 3 miles per $1 spent on Delta purchases. Free Delta Sky Club access for the cardholder and discounted $39 per-visit rate for up to two guests. Free companion certificate every account anniversary.

Delta SkyMiles® Platinum American Express Card: 40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months. 3 miles per $1 spent on Delta purchases and 2 miles at restaurants and U.S. supermarkets. $100 statement credit after making a Delta purchase in the first 3 months. Discounted Delta Sky Club rate ($39 per visit) for the cardholder and up to two guests. Free companion certificate every account anniversary.

Delta SkyMiles® Gold American Express Card: 35,000 miles after spending $1,000 in the first 3 months. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit. 2 miles per $1 spent on Delta purchases.

Delta SkyMiles® Blue American Express Card: 10,000 miles after spending $500 in the first 3 months. 2 miles per $1 spent on Delta purchases and at U.S. restaurants, and 1 mile on all other eligible purchases.

If you're not familiar with Medallion Qualification Miles, know that the more you have, the higher your status is in the SkyMiles loyalty rewards program. And the higher your status, the better perks you get on Delta flights. The levels are Silver (25,000 MQMs), Gold (50,000), Platinum (75,000) and Diamond (125,000). Diamond status gives the highest upgrade priority and premium boarding.

Yes, there are some ongoing Chase Freedom Unlimited® promotions, including a $200 sign up bonus after spending $500 within 3 months, along with an introductory APR offer of 0% for 15 months on purchases.

The Chase Freedom Unlimited® sign-up bonus is available to new cardholders. Previous cardholders who open a new account are also eligible as long as they have not received this bonus in the past 24 months.

The introductory APR promotion of 0% for 15 months is above-average when compared to cards with similar offers. Once the intro rate expires, the APR for purchases goes to 14.99% - 23.74% (V).

In addition to those limited-time Chase Freedom Unlimited® promotions, the card comes with a $0 annual fee. It also offers 1.5 - 5% cash back on purchases. Cash back rewards do not expire as long as your account is open. There's also no minimum amount required to redeem.

The best Capital One credit card promotions are $0 foreign transaction fees on all cards and the Capital One Venture Rewards Credit Card's 60,000 miles bonus for spending $3,000 in the first 3 months. Plus, this card offers 5 miles per $1 spent on Capital One Travel. And it gives 2 miles per $1 on all other purchases.

This card is a bit expensive though. It costs $95 per year after the first. Luckily, there's another Capital One credit card promotion for travelers who don't want to pay an annual fee. You get 20,000 miles for spending $500 in the first 3 months with the Capital One VentureOne Rewards Credit Card.

Capital One has more than just travel card promotions. The Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back for spending $500 in the first 3 months. Plus, it gives 0% intro APR for 15 months on purchases. And the Capital One® Spark® Cash for Business offers a $500 bonus for spending $4,500 in the first 3 months.

But the best Capital One credit card promotion is the fact that they offer credit cards to people with all credit scores. Everyone with bad to excellent credit, from students to small business owners, can find a card for them.

Here are the best Capital One credit card promotions:

• 60,000 miles for spending $3,000 in the first 3 months: Capital One Venture
• 50,000 miles for spending $4,500 in the first 3 months: Capital One® Spark® Miles for Business
• 20,000 miles for spending $500 in the first 3 months: Capital One VentureOne Rewards Credit Card
• 20,000 miles for spending $3,000 in the first 3 months: Capital One® Spark® Miles Select for Business
• $500 cash back when you spend $4,500 in the first 3 months: Capital One® Spark® Cash for Business
• $200 cash back when you spend $3,000 in the first 3 months: Capital One® Spark® Cash Select for Business
• $200 cash back when you spend $500 in the first 3 months: Capital One Quicksilver
• $300 cash back when you spend $3,000 in the first 3 months: Capital One® Savor® Cash Rewards Credit Card
• 0% intro APR on purchases 15 months ($0 transfer fee): Capital One Quicksilver
• 0% intro APR on purchases for 12 months: Capital One VentureOne Rewards Credit Card
• 0% APR on purchases for 9 months: Capital One® Spark® Cash Select for Business & Capital One® Spark® Miles Select for Business
• No foreign transaction fee: All Capital One cards
• Pick your own monthly due date: Journey Student Rewards from Capital One

There are also some great Capital One credit card deals that are more permanent than promotional. For example, Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases. People with limited history can get it. The Capital One Platinum Credit Card is a $0 annual fee starter card. And the Secured Mastercard® from Capital One might give you a credit line that's bigger than your security deposit.

The best Wells Fargo credit card promotions running right now are a $150 cash bonus from the Wells Fargo Cash Wise Visa® card and a bonus of 20,000 points with the Wells Fargo Propel American Express® card.

To get the Wells Fargo Cash Wise Visa® card bonus, spend just $500 in the first 3 months after opening an account. The Wells Fargo Propel American Express® card requires spending $1,000 in the first 3 months to qualify for its bonus.

Other Wells Fargo credit card promos include extra rewards on certain spending categories. For example, both the Wells Fargo Visa Signature® Card and the Wells Fargo Rewards® Card give 5 points per $1 spent for six months on up to $12,500 in gas, grocery and drugstore purchases. After that, it's 1 point per $1 spent. These two cards also come with a long 0% introductory APR offer: The Wells Fargo Visa Signature® Card gives an intro APR of 0% for 15 months for purchases and 0% for 15 months for balance transfers. The Wells Fargo Rewards® Card gives 0% APR for 15 months for purchases and 0% for 15 months for balance transfers.

The Wells Fargo Platinum card has the best introductory APR offer. For purchases, it's 0% for 18 months. And it also offers 0% for 18 months on qualifying balance transfers. The balance transfer fee is 3% intro for 120 days, then 5%.

One of the best Uber credit card promotions is 10,000 bonus points (worth $100) for spending $500 in the first 90 days with the Uber Visa. The American Express Platinum card offers another great Uber credit card promotion. It gives up to $200 in Uber credits each year, $15 per month and $35 in December. Through April 30, 2019, you can also get up to $30 off your first Uber ride. Just pay with any American Express card and use the promo code “UBERAMEX.”

Another Uber credit card promotion gets you around 10% off purchases at merchants participating in Visa Local Offers. You just have to link a Visa card to your Uber account and shop at eligible merchants, and you'll earn rebates in the form of Uber credits.

Last but not least, Chase Sapphire Reserve gives you a $300 annual travel credit that can be used toward Uber.

Here are the Uber credit card promotions:

• 10,000 bonus points when you spend $500 in the first 90 days: Uber Credit Card
• Up to $50 credit for online subscriptions when you spend $5,000 in a year: Uber Credit Card card
• Up to $600 in mobile phone insurance when you pay with your card: Uber Credit Card
• Visa Local Offers - Earn up to $100 in Uber credits with purchases at select merchants: All Visa credit cards
• $30 discount on your first Uber ride when you pay with an Amex card: All American Express credit cards
• Up to $200 in annual Uber credits: American Express Platinum card
• $300 annual travel credit usable for Uber: Chase Sapphire Reserve
• 2% back on Uber purchases: Barclaycard Arrival Plus and Capital One Venture (Uber rides are eligible for travel statement credits)
• 3 points per $1 on Uber purchases: Chase Sapphire Reserve and Citi ThankYou Premier (Uber purchases count as travel)
  

You could pay for Uber rides with a debit card. But if you do, you'll lose out on all the rewards that credit card offer. Even if the rewards aren't Uber-specific, it'll still be worthwhile to get something back for every dollar you spend.