Best elevated credit card offers right now (Oct 2026)

Cards whose current public sign-up bonus matches or beats the all-time high we track. As of 2026-10-16, 7 cards qualify, led by The Platinum Card from American Express, American Express Gold Card, The Business Platinum Card from American Express. 7 of them are at their all-time high. Amex offers are listed as 'as high as' and may vary by applicant.

By TK · Updated October 16, 2026

Card	Current public offer	All-time high	Annual fee	vs. record
American ExpressThe Platinum Card from American Express	As high as 175,000 points after $12,000 spend in 6 months (offer varies)	As high as 175,000 points (since Jun 2025)	$895	AT RECORD
American ExpressAmerican Express Gold Card	As high as 100,000 points after $8,000 spend in 6 months (offer varies)	As high as 100,000 points	$325	AT RECORD
American ExpressThe Business Platinum Card from American Express	As high as 300,000 points after $20,000 spend in 3 months (offer varies)	As high as 300,000 points (since Mar/Apr 2026)	$895	Business AT RECORD
American ExpressAmerican Express Business Gold Card	As high as 200,000 points after $15,000 spend in 3 months (offer varies)	As high as 200,000 points (since Mar 2026)	$375	Business AT RECORD
Capital OneCapital One Venture	75,000 miles after $4,000 spend in 3 months + $300 Capital One Travel stays credit	75,000 miles is the best standard public offer (a brief 2023 100k special link and a 2021 tiered 100k with $20k spend also existed)	$95	AT RECORD
Bank of AmericaBank of America Premium Rewards	60,000 points ($600 value) after $4,000 spend in 90 days	60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit	$95	AT RECORD
ChaseChase Freedom Flex	$250 after $500 spend in 3 months	$250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy	$0	AT RECORD