Travel The 11 best increased card offers to sign-up for in November

4x on everyday purchases and a bonus worth $1,200 in travel: American Express Gold card review

American Express® Gold Card Overview The American Express® Gold Card wants a seat at your table, whether you’re dining out at restaurants or buying groceries at U.S. supermarkets. You might also benefit from its various statement credits to save money throughout the year. With an abnormally high welcome offer, the Amex Gold card is looking … Card Rating*: ⭐⭐⭐⭐

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Editor’s note: This is a recurring post, regularly updated with new information.

Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide.

Best credit cards for groceries in 2021

There are some great credit cards that earn extra rewards when you use them at the supermarket, so if you cook at home on a regular basis, it's important to make sure you have the best credit card in your wallet when you're shopping for groceries.Groceries are a significant part of the monthly budget for most American households, which means you want to earn as much cash back or travel points on your supermarket purchases as you can. Fortunately, not only are there a number of great credit cards for grocery shopping, but some cards even feature limited-time bonuses on groceries.

But to help you keep up with an ever-changing list of bonuses, we’ve compiled the best card offers currently available – especially the ones that are worth an extra look right now because they are at all-time highs or may end soon.

This month, we see some incredibly enticing offers for some of the best travel credit cards, including some cobranded hotel and airline credit cards.

The ever-popular Platinum Card® from American Express is currently offering 100,000 bonus points after $6,000 in spending in the first six months from card membership. That’s an outstanding offer easily worth $2,000 based on TPG valuations. There’s also a massive 100,000-point offer (after meeting minimum spending requirements) on the consumer Southwest cards, which were just refreshed with a slew of new perks.

The best Citi credit cards of 2021

Whether your goal is to earn rewards for that next big trip, put some cash back in your pocket or help yourself get out of debt, there's likely a credit card for your specific needs within Citi's card portfolio.If you're in the market for a new credit card, Citibank — or Citi for short — offers a number of enticing options, especially for those looking for a card with a low or even no annual fee. Whether your goal is to earn rewards for that next big trip, put some cash back in your pocket or help yourself get out of debt, there's likely a card for your specific needs within Citi's card portfolio.

Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to apply when there’s a good offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.

Case in point, the limited-time elevated welcome offers from Marriott Bonvoy’s lineup of cobranded personal and business cards expire on Wednesday, Nov. 3, 2021:

• Marriott Bonvoy Bold Credit Card
• Marriott Bonvoy Boundless Credit Card
• Marriott Bonvoy Brilliant™ American Express® Card
• Marriott Bonvoy Business™ American Express® Card

These offers are the best we’ve ever seen on these cards, but they won’t be around much longer, so apply now if you’ve been holding off. Meanwhile, here are the other best offers for November.

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Battle of the premium travel rewards cards — which one is best for you?

Editor’s note: This is a recurring post, regularly updated with new information. Picking the best travel rewards credit cards can be challenging. Each one offers different perks, and this is especially true for premium credit cards. And because issuers keep upping the ante, adding benefits (and sometimes hiking annual fees), there’s more competition than ever. …Picking the best travel rewards credit cards can be challenging. Each one offers different perks, and this is especially true for premium credit cards. And because issuers keep upping the ante, adding benefits (and sometimes hiking annual fees), there’s more competition than ever.

In This Post

The best elevated card offers in November

Card	Sign-up bonus/welcome offer	Welcome offer value*	Annual fee
The Platinum Card® from American Express	100,000 points after you spend $6,000 in the first six months. Plus, 10 points per dollar on eligible purchases at restaurants worldwide and when you “Shop Small” in the U.S. during your first six months of card membership (on up to $25,000 in combined purchases).	$2,000	$695 (see rates and fees)
The Business Platinum Card® from American Express	120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.	$2,400	$595  ($695 if application is received on or after Jan. 13, 2022; see rates and fees)
Citi Premier® Card	80,000 ThankYou points after $4,000 in spending in the first three months of account opening.	$1,360	$95
Hilton Honors American Express Surpass® Card	Up to 180,000 Hilton Honors bonus points: 130,000 bonus points after you spend $2,000 in purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 bonus points after you spend a total of $10,000 in purchases on the card in the first six months.	$1,080	$95 (see rates and fees)
Southwest Rapid Rewards Plus Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	$69
Southwest Rapid Rewards Premier Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	$99
Southwest Rapid Rewards Priority Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	$149
Delta SkyMiles® Gold Business American Express Card	70,000 miles after you make $2,000 in purchases on your new card in your first three months of card membership. Plus, a $50 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$820	$0 introductory fee for the first year, then $99  (see rates and fees)
Delta SkyMiles® Platinum Business American Express Card	90,000 miles and 10,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card in your first three months of card membership. Plus, a $100 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$1,090 (not including the value of the MQMs)	$250 (see rates and fees)
Delta SkyMiles® Reserve Business American Express Card	80,000 miles and 20,000 Medallion® Qualification Miles after you make $5,000 in purchases on your new card in your first three months of card membership. Plus, a $200 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$1,080 (not including the value of the MQMs)	$550 (see rates and fees)
American Express® Gold Card	60,000 points after you spend $4,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply).	$1,200	$250 (see rates and fees)

* Sign-up bonus/welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer.

Get more from your credit card points with these 4 transfer bonuses

Editor’s note: This post has been updated with new information. If you truly want to maximize your miles, periodic transfer bonuses can offer lucrative opportunities for fantastic points redemptions. Specifically, you can sometimes get up to 50% more value from your points by transferring them to a specific airline or hotel partner during one of …If you truly want to maximize your miles, periodic transfer bonuses can offer lucrative opportunities for fantastic points redemptions. Specifically, you can sometimes get up to 50% more value from your points by transferring them to a specific airline or hotel partner during one of these bonuses.

The Platinum Card® from American Express

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Welcome offer	Welcome offer value*	Earning rates	Annual fee
100,000 Membership Rewards points after you spend $6,000 on eligible purchases with the card within the first six months of card membership.	$2,000	10 points per dollar on eligible purchases at restaurants worldwide and when you “Shop Small” in the U.S. during your first six months of card membership (on up to $25,000 in combined purchases). 5 points per dollar on flights booked directly with airlines or with Amex Travel (on up to $500,000 on these purchases per calendar year). 5 points per dollar on prepaid hotels booked with Amex Travel. 1 point per dollar everywhere else.	$695 (see rates and fees)

Often referred to as the king of the premium travel rewards cards, the Amex Platinum was recently refreshed and now offers even more benefits. Cardholders enjoy perks such as automatic Gold status with both Hilton Honors and Marriott Bonvoy; access to more lounges at the airport than almost any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights); and trip cancellation/interruption and trip delay insurance. On top of that, you’ll get up to $200 in annual airline fee statement credits, an up-to-$200 hotel statement credit to use toward prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel and an up-to-$179 Clear membership statement credit, along with numerous other benefits. (Enrollment is required for select benefits.)

Kohl's early Black Friday deals are underway — you can save on Amazon Fire TV Stick and Google Nest Hubs, plus earn Kohl's Cash to spend later

Kohl's Black Friday kicked off last week with deals on Ninja Foodi, Bissell vacuums, and more. Plus, you'll earn Kohl's Cash to spend later.When you buy through our links, Insider may earn an affiliate commission. Learn more.

Related: It’s a ‘lifestyle’ card now: A closer look at the Amex Platinum’s 6 new benefits launched in 2021

New non-travel benefits include an up-to-$240 digital entertainment statement credit (split into monthly $20 credits) to use for Audible, The New York Times, SiriusXM and Peacock, an up to $155 Walmart+ credit, an up to $300 SoulCycle bike credit and an up-to-$300 Equinox statement credit for select providers (up to $25 in monthly credit). You also receive Uber VIP status and up to $200 in annual Uber Cash (split into monthly $15 credits for U.S. rides plus a $20 bonus in December). Enrollment is required for select benefits.

How to choose the right credit card for you

Editor’s note: This is a recurring post, regularly updated with new information. This page includes information about the Discover it Student Cash Back that is not currently available on The Points Guy and may be out of date. Whether you’re hoping to save money on your monthly grocery bill, rack up rewards for (mostly) free …Whether you’re hoping to save money on your monthly grocery bill, rack up rewards for (mostly) free travel, want a card to help earn rewards on business expenses or have some other earnings goal, there is a credit card out there for you.

Read our review of the American Express Platinum Card.

APPLY HERE: The Platinum Card from American Express

The Business Platinum Card® from American Express

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Welcome offer	Welcome offer value*	Earning rates	Annual fee
120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.	$2,400	5 points per dollar on flights and prepaid hotels booked at American Express Travel. 1.5x points on eligible purchases in select business categories and eligible purchases of $5,000 or more, on up to $2 million of these purchases per calendar year. 1 point per dollar everywhere else.	$595  ($695 if application is received on or after Jan. 13, 2022; see rates and fees)

This business card stands out for its travel perks. Cardholders enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with numerous other benefits. Cardholders get access to more lounges at the airport than almost any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (when traveling on same-day Delta flights). Enrollment is required for select benefits.

Move over Sapphire: Here’s why I prefer Membership Rewards instead of Ultimate Rewards

In early 2020 I product changed my Chase Sapphire Reserve to a Chase Sapphire Preferred Card. What was once my favorite credit card had become a card I only used for car rentals (for the primary damage waiver) and earning 10x points on Lyft rides. The Sapphire Preferred offers both of those benefits, albeit with a …The reason for this is? Chase Ultimate Rewards. Ever since Chase lost Korean Airlines as a transfer partner, I’ve struggled to find good flight redemptions with the currency. To make matters worse, United — once one of Chase’s most valuable transfer partners — has massively devalued its program, skyrocketing the cost of Star Alliance partner awards.

Related: Amex refreshes Business Platinum card with new perks, higher annual fee and a 120,000-point bonus

On top of that, the card comes with up to $200 in annual airline fee statement credits and a 35% points rebate for flights booked through Amex Travel in first or business class on any airline (up to 500,000 points back per calendar year), or in any class on the U.S. airline of your choice each year. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases, up to $360 in credits toward Indeed, up to $150 toward select Adobe purchases and up to $120 toward wireless telephone services. Enrollment is required for select benefits.

Read our review of the American Express Business Platinum Card.

APPLY HERE: The Business Platinum Card from American Express

Citi Premier® Card

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Sign-up bonus	Sign-up bonus value*	Earning rates	Annual fee
80,000 bonus ThankYou points after $4,000 in spending in the first three months of account opening.	$1,360	3 points per dollar at restaurants, supermarkets and gas stations. 3 points per dollar on air travel and hotels. 1 point per dollar on all other purchases.	$95

This is the card to get if you’re looking to stock up on Citi ThankYou points quickly. The bonus of 80,000 points is much better than the 60,000 points this card previously offered — and is currently the highest publicly available bonus of any ThankYou Rewards-earning card.

What makes these points so valuable is that you can transfer them to over a dozen airline partners, including some less common ones such as Turkish Airlines Miles&Smiles.

Other benefits of the card include a $100 hotel savings benefit once per calendar year when you book a single hotel stay of $500 or more through thankyou.com (excluding taxes and fees) and access to Citi Entertainment, which gives you special access to purchase tickets to thousands of events, including presale tickets.

Read our review of the Citi Premier.

APPLY HERE: Citi Premier Card

Hilton Honors American Express Surpass® Card

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Welcome offer	Welcome offer value*	Earning rates	Annual fee
Up to 180,000 Hilton Honors bonus points: 130,000 bonus points after you spend $2,000 on purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 bonus points after you spend a total of $10,000 on purchases on the card in the first six months.	Up to $1,080	12 points per dollar spent on eligible purchases at hotels and resorts in the Hilton portfolio. (a 7.2% return based on TPG valuations). 6 points per dollar spent at U.S. supermarkets, U.S. restaurants and U.S. gas stations. 3 points per dollar on all other eligible purchases.	$95 (see rates and fees)

The Hilton Surpass is one of the best mid-tier hotel cards available. Its welcome offer is very generous, given its manageably low spending requirement. The ongoing earning rates also outrank its competition. Benefits include 10 Priority Pass lounge access passes each year (enrollment required), complimentary Hilton Gold elite status and a pathway to earning Diamond status. Additionally, you can earn a weekend night reward redeemable at any Hilton Honors property after you spend $15,000 on purchases on your card in a calendar year.

Read our review of the Hilton Honors Surpass.

APPLY HERE: Hilton Honors American Express Surpass Card

Southwest Airlines credit cards

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Card	Sign-up bonus	Sign-up bonus value*	Earning rates	Annual fee
Southwest Rapid Rewards Plus Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	2 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. 2 points per dollar on local transit and commuting purchases, including ride-hailing services. 2 points per dollar on internet, cable, phone services and select streaming purchases. 1 point per dollar on all other purchases.	$69
Southwest Rapid Rewards Premier Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	3 points per dollar on Southwest purchases. 2 points per dollar on Rapid Rewards hotel and car rental partner purchases. 2 points per dollar on local transit and commuting purchases, including ride-hailing services. 2 points per dollar on internet, cable, phone services and select streaming purchases. 1 point per dollar on all other purchases.	$99
Southwest Rapid Rewards Priority Credit Card	Up to 100,000 bonus points: Earn 50,000 points after you spend $2,000 on purchases in the first three months, plus an additional 50,000 points after spending $12,000 total on purchases in the first 12 months.	$1,500	3 points per dollar on Southwest purchases. 2 points per dollar on Rapid Rewards hotel and car rental partner purchases. 2 points per dollar on local transit and commuting purchases, including ride-hailing services. 2 points per dollar on internet, cable, phone services and select streaming purchases. 1 point per dollar on all other purchases.	$149

There’s never been a better time to pick up a Southwest credit card. All three of Southwest’s cobranded cards were just refreshed with improved earnings categories and new and enhanced benefits. Some of the new benefits include two EarlyBird Check-Ins each year for Plus and Premier cardholders, as well as the ability to earn unlimited tier-qualifying points with the Priority card.

The 100,000-point offer is the best points offer yet on these cards. But here’s the real kicker: The sign-up bonus points and the points earned from everyday spending on these cards count toward earning the Southwest Companion Pass. For 2021, Southwest has lowered the Companion Pass requirements to 75 flights or 100,000 qualifying points (since it credited active Rapid Rewards members with 25,000 pass-qualifying points this year), so you’ll be able to earn it by meeting the full sign-up bonus requirements before the end of the year. That’s a double win.

For a closer look at each of the cards, check out our comparison of the best Southwest credit cards.

APPLY HERE: Southwest Rapid Rewards Plus Credit Card

APPLY HERE: Southwest Rapid Rewards Premier Credit Card

APPLY HERE: Southwest Rapid Rewards Priority Credit Card

Delta business credit cards

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Card	Welcome offer	Welcome offer value*	Earning rates	Annual fee
Delta SkyMiles Gold Business American Express Card	70,000 miles after you spend $2,000 on purchases on your new card in your first three months of card membership. Plus, a $50 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$820	2 miles per dollar on eligible Delta purchases. 2 miles per dollar on U.S. shipping. 2 miles per dollar on U.S. advertising in select media. 2 miles per dollar on dining at restaurants worldwide. 1 mile per dollar on all other purchases.	$0 introductory annual fee for the first year, then $99 (see rates and fees)
Delta SkyMiles Platinum Business American Express Card	90,000 miles and 10,000 Medallion Qualification Miles after you spend $3,000 on purchases on your new card in your first three months of card membership. Plus, a $100 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$1,090 (not including the value of the MQMs)	3 miles per dollar on eligible Delta purchases. 3 miles per dollar on eligible purchases made directly with hotels. 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half-mile per dollar), up to 50,000 additional miles per year. 1 mile per dollar on all other purchases.	$250 (see rates and fees)
Delta SkyMiles Reserve Business American Express Card	80,000 miles and 20,000 Medallion Qualification Miles after you spend $5,000 on purchases on your new card in your first three months of card membership. Plus, a $200 statement credit after your first Delta purchase in the first three months. Offer ends Nov. 10, 2021.	$1,080 (not including the value of the MQMs)	3 miles per dollar on eligible Delta purchases. 1.5 miles per dollar on all purchases after spending $150,000 a year. 1 mile per dollar on all other purchases.	$550 (see rates and fees)

For a limited time, Delta is offering elevated offers across all of its cobranded business credit cards. They offer useful benefits such as free checked bags, priority boarding and discounts on eligible inflight purchases. The more expensive cards come with more premium benefits like lounge access and MQM spending boosts. For a closer look at each of the cards, check out our comparison of the best Delta credit cards.

APPLY HERE: Delta SkyMiles Gold Business American Express Card

APPLY HERE: Delta SkyMiles Platinum Business American Express Card

APPLY HERE: Delta SkyMiles Reserve Business American Express Card

American Express® Gold Card

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Welcome offer	Welcome offer value*	Earning rates	Annual fee
60,000 points after you spend $4,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply).	$1,200	4 points per dollar on dining at restaurants, including takeout and delivery. 4 points per dollar at U.S. supermarkets on up to $25,000 in purchases per calendar year. 3 points per dollar on flights booked directly with airlines or through Amex Travel. 1 point per dollar on all other eligible purchases.	$250 (see rates and fees)

While this technically isn’t a limited-time offer, you can often find elevated welcome offers through the CardMatch tool. For example, the American Express Gold Card, with a $250 annual fee (see rates and fees), features a public welcome offer of 60,000 points after you spend $4,000 on eligible purchases within the first six months. Still, some new customers can earn a 75,000-point welcome offer after meeting the same minimum spending requirements via the CardMatch tool. Please note that these elevated offers are targeted and subject to change at any time.

Read our review of the American Express Gold Card.

APPLY HERE: American Express Gold Card

* Bonus offer value is based on TPG valuations and not provided by issuers.

For rates and fees of the Hilton Surpass card, click here.

For rates and fees of the Amex Delta SkyMiles Gold Business card, click here.

For rates and fees of the Amex Delta SkyMiles Platinum Business card, click here.

For rates and fees of the Amex Delta SkyMiles Reserve Business card, click here.

For rates and fees of the Amex Business Platinum Card, click here.

For rates and fees of the Amex Platinum card, click here.

For rates and fees of the Amex Gold card, click here.

Featured photo by DRAKULA IMAGES/Getty Images.

This is The Points Guy’s permanent page with limited-time welcome offers to consider each month, so you can bookmark it and check back regularly for updates.