One of the best reasons to apply for a travel rewards card is the welcome offer. By hitting certain minimum spending requirements, you can often earn tens — or hundreds—of—thousands of points or miles within the first few months of opening a new card.
Welcome offers change frequently, and part of any successful travel rewards strategy is knowing when it’s the right time to apply for a specific card. After all, you wouldn’t want to miss out on a haul of bonus points by applying too early — or too late.
However, without tracking welcome offers on specific cards over time, you may lack the necessary context to determine whether a particular offer is worth applying for at any given moment.
We’ve done that work for you and compiled all of the information you’ll need into one handy guide. You can also check our frequently updated list of the best increased card offers to apply for.
In this article, we’ll focus on American Express, which offers some of the best cobranded and proprietary rewards cards available from any issuer.
Best American Express welcome offers
Here are some of the most popular Amex cards, with guidance on when you should apply for each.
Just note that we’re only discussing publicly available welcome offers. Some folks may receive targeted offers with more bonus points or cash back. Additionally, offers may change at any time, and some of the offers mentioned below may not be available.
Keep in mind that American Express only allows you to earn one bonus per lifetime on each of its cards, so make sure to wait for the best time to apply. In addition, you may not be eligible for a welcome offer if you’ve already held a higher-tier card in the same family.
For example, if you currently have or have previously held the American Express Platinum Card®, you may not be eligible for a welcome offer on the American Express® Gold Card.
Card
Best welcome offer we’ve seen
When to apply
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/american-express-platinum/”><strong>American Express Platinum Card</strong></a>
Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
At least 150,000 points
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/the-business-platinum-card-from-american-express/”><strong>The Business Platinum Card® from American Express</strong></a>
Find out your offer and see if you are eligible for as high as 300,000 bonus points after spending $20,000 on purchases within the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
At least 200,000 points
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/american-express-gold-card/”><strong>American Express Gold Card</strong></a>
<p style=”text-align: left;”>Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)</p>
At least 60,000 points
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/american-express-business-gold-card/”><strong>American Express® Business Gold Card</strong></a>
Find out your offer and see if you are eligible for as high as 200,000 bonus points after spending $15,000 on purchases within the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
At least 100,000 points
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/graphite-business-cash-unlimited-card/”><strong>Graphite™ Business Cash Unlimited Card</strong></a>
Earn $1,500 cash back (in the form of Reward Dollars) after spending $50,000 on purchases in the first six months of card membership. (Reward Dollars can be redeemed as a statement credit and at Amazon.com checkout.)
At least $1,500 cash back
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/blue-cash-preferred/”><strong>Blue Cash Preferred® Card from American Express</strong></a>
Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer; Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
At least $250 cash back
<a target=”_blank” href=”https://thepointsguy.com/credit-cards/blue-cash-everyday/”><strong>Blue Cash Everyday® Card from American Express</strong></a>
Earn $200 back as a statement credit after spending $2,000 on purchases in the first six months of card membership.
At least $200 cash back
American Express Platinum
The Amex Platinum has long been one of the most popular premium cards on the market, despite its steep $895 annual fee (see rates and fees).
It offers a slew of luxury-skewing, value-added benefits that can save cardmembers money on everything from airline fees to hotel stays.
Here are the offers we have seen on the Amex Platinum:
Welcome offer history
Approximate date
Offer
Value*
<strong>February 2026 to present</strong>
Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $3,500
<strong>June 2025 to February 2026</strong>
Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $3,500
<strong>August 2023 to June 2025</strong>
Earn 80,000 bonus points after spending $8,000 on purchases in the first six months of card membership.
$1,600
*Valuations are based on TPG’s September 2026 valuations and are not from the issuer.
Highest welcome offer
When the Amex Platinum ran its highest-ever offer, applicants could find out their offer and see if they were eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Offer no longer available; welcome offers vary, and you may not be eligible for an offer.)
When to apply
Generally, apply for this card only if you can secure a welcome offer of 150,000 points or more, whether through a targeted or limited-time offer.
Learn more: American Express Platinum
American Express Business Platinum
The Amex Business Platinum often extends even more lucrative welcome offers than its personal counterpart and offers many of the same luxury perks, though some of its statement credits are focused on typical business expenditures.
Cardmembers pay the same $895 annual fee for the Business Platinum (see rates and fees) as the consumer Platinum.
Here are the offers we have seen on the Amex Business Platinum:
Welcome offer history
Approximate date
Offer
Value*
<strong>March 2026 to present</strong>
Find out your offer and see if you are eligible for as high as 300,000 bonus points after spending $20,000 on purchases within the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $6,000
<strong>June 2025 to March 2026</strong>
Earn 200,000 bonus points after spending $20,000 on purchases within the first three months of card membership.
$4,000
<strong>July to September 2025</strong>
Earn 150,000 bonus points after spending $20,000 on purchases in the first three months of card membership.
$3,000
<strong>April to June 2025</strong>
Earn 150,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Plus, earn a $500 statement credit after spending $2,500 on qualifying flights booked directly with airlines or through American Express Travel® within the first three months of card membership.
Up to $3,500
<strong>April 2024 to April 2025</strong>
Earn 150,000 bonus points after spending $20,000 on purchases in the first three months of card membership.
$3,000
<strong>December 2022 to April 2024</strong>
Earn 120,000 bonus points after spending $15,000 on purchases in the first three months of card membership.
$2,400
*Valuations are based on TPG’s valuations and are not from the issuer.
Highest welcome offer
With the current welcome offer on the Amex Business Platinum, you may be eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.) If you receive an offer for the full 300,000 points, that’s by far the best we’ve seen.
When to apply
Any time this card’s welcome offer equals or tops 200,000 points, it’s worth considering.
Learn more: American Express Business Platinum
American Express Gold
The Amex Gold is an excellent everyday choice for foodies since it earns 4 points per dollar spent at restaurants worldwide on up to $50,000 per calendar year (then 1 point per dollar spent thereafter) and on up to $25,000 per calendar year at U.S. supermarkets (then 1 point per dollar spent). These are solid earning rates for a card with a $325 annual fee (see rates and fees).
THE POINTS GUY
Here are the offers we have seen on the Amex Gold:
Welcome offer history
Approximate date
Offer
Value*
<strong>April 2026 to present</strong>
Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $2,000
<strong>June 2025 to April 2026</strong>
Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $2,000
<strong>November 2024 to June 2025</strong>
Earn 60,000 bonus points after spending $6,000 on purchases within the first six months of card membership.
$1,200
<strong>July to November 2024</strong>
Earn 60,000 bonus after spending $6,000 on purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership (up to $100 back).
Up to $1,300
<strong>October 2023 to July 2024</strong>
Earn 60,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
$1,200
<strong>July 2022 to October 2023</strong>
Earn 60,000 bonus points after spending $4,000 on purchases in the first six months of card membership.
$1,200
*Valuations are based on TPG’s valuations and are not from the issuer.
Highest welcome offer
New applicants could find out their offer and see if they were eligible for as high as 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. (Offer no longer available; welcome offers vary, and you may not be eligible for an offer.)
When to apply
If you’re able to get at least 60,000 points in your offer, it’s worth applying.
Learn more: American Express Gold
American Express Business Gold
The Amex Business Gold card is great for small businesses thanks to its strong earning structure. It earns 4 points per dollar spent on your top two eligible spending categories each billing cycle (up to $150,000 per calendar year; then 1 point per dollar spent). Cardmembers pay $375 each year to hold this card (see rates and fees).
THE POINTS GUY
Here are the offers we’ve seen on the Amex Business Gold:
Welcome offer history
Approximate date
Offer
Value*
<strong>March 2026 to present</strong>
Find out your offer and see if you are eligible for as high as 200,000 bonus points after spending $15,000 on purchases within the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Up to $4,000
<strong>July 2024 to March 2026</strong>
Earn 100,000 bonus points after spending $15,000 on purchases in the first three months of card membership.
$2,000
*Valuations are based on TPG’s valuations and are not from the issuer.
Highest welcome offer
With the current welcome offer, new cardmembers may be eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
When to apply
If you see an offer for this card with 100,000 points or more and a spending requirement that you and your small business can easily meet, it’s worth applying.
Learn more: American Express Business Gold
American Express Graphite
The American Express Graphite Card carries a $295 annual fee (see rates and fees) and is aimed at high-spending businesses that want to earn cash back with American Express.
THE POINTS GUY
Welcome offer history
Since this card hasn’t been around for too long, its current welcome offer is the only one we’ve seen. Currently, new cardmembers can earn $1,500 cash back in the form of Reward Dollars after spending $50,000 on purchases in the first six months of card membership. (Reward Dollars can be redeemed as a statement credit and at Amazon.com checkout.)
When to apply
While we can’t say for certain what future offers on the Amex Graphite Card will look like, we encourage you to apply for the current offer if you’re interested in the card.
Learn more: American Express Graphite
American Express Blue Cash Preferred
The Blue Cash Preferred is one of the best cash-back cards currently available, with high 6% cash back earning rates on U.S. streaming subscriptions and U.S. supermarkets (U.S. supermarkets are subject to a $6,000 spending cap per calendar year, then 1%; users receive cash back in the form of Reward Dollars that they can redeem as a statement credit and at Amazon.com checkout.)
The card has a $0 introductory annual fee for the first year, then $95 annually thereafter (see rates and fees).
THE POINTS GUY
Here are the offers we have seen on the Amex Blue Cash Preferred:
Welcome offer history
Approximate date
Offer
Value
<strong>February 2026 to present</strong>
Find out your offer and see if you are eligible for as high as $300 cash back after spending $3,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer; Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Up to $300
<strong>October 2022 to February 2026</strong>
Earn a $250 statement credit after spending $3,000 on purchases in the first six months of card membership.
$250
Highest welcome offer
This card’s welcome offer doesn’t vary much, but currently new cardmembers may be eligible for as high as $300 cash back after spending $3,000 on purchases within the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer; Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
When to apply
Consider applying if you’re eligible for an offer of at least $250 cash back.
Learn more: American Express Blue Cash Preferred
American Express Blue Cash Everyday
Though its earnings aren’t as solid as those of the Blue Cash Preferred, the Blue Cash Everyday still earns cash back at a steady rate. This card’s lower earning rates are understandable, given that it has no annual fee (see rates and fees).
(Users receive cash back in the form of Reward Dollars that they can redeem as a statement credit and at Amazon.com checkout.)
THE POINTS GUY
Here are the offers we have seen on the Amex Blue Cash Everyday:
Welcome offer history
Approximate date
Offer
Value
<strong>February 2026 to present</strong>
Find out your offer and see if you are eligible for as high as $200 cash back after spending $2,000 on purchases in the first six months of card membership. (Welcome offers vary and you may not be eligible for an offer; Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Up to $200
<strong>January 2023 to February 2026</strong>
Earn $200 back as a statement credit after spending $2,000 on purchases in the first six months of card membership.
$200
Highest welcome offer
When the Blue Cash Everyday had its highest offer, new cardmembers could earn $200 cash back after spending $2,000 on purchases in the first six months of card membership (no longer available).
When to apply
Go for an offer with at least a $200 cash-back bonus.
Learn more: American Express Blue Cash Everyday
Delta American Express cards
American Express is the sole issuer of Delta’s cobranded consumer and business cards. Amex’s Delta cards feature elevated offers more commonly than most of their proprietary cards, so it’s very important to know when it’s the right time to apply.
If you’re interested in one of Amex’s Delta cards, check out our guide on Delta’s cards’ offer history to help you decide when it’s the best time to apply.
Hilton American Express cards
American Express offers a range of cobranded Hilton cards to suit every traveler, from beginners to hardcore Hilton loyalists. Like Amex’s Delta cards, the Hilton cards receive elevated welcome offers more frequently than the cards we’ve featured in this guide.
If you’re interested in one of Amex’s Hilton cards, we have a guide on when it’s best to apply, based on the offer history of all Hilton cards.
Marriott American Express cards
Marriott’s portfolio of cards can be more challenging to track because it includes cards issued by Chase and American Express. The two issuers don’t necessarily put elevated offers on their Marriott cards at the same time. Plus, both issuers have their own application rules and restrictions.
If you’re interested in one of Amex’s Marriott cards, we have a guide to the offer history of all Marriott cards to help you know when it’s the right time to apply.
Bottom line
Pay attention to the welcome offers of any travel rewards cards you may be interested in, as offers can change frequently. Applying at the wrong time could mean missing out on thousands of bonus points or hundreds of dollars in cash back.
Before applying for any new card, look at the range of its previous welcome offers. Then, when an offer hits the higher end of that range, you can feel sure you’re getting a great deal and making the right choice for your rewards strategy.
To learn more about credit card bonus offers over time, see the following:
The best time to apply for these popular Capital One credit cards based on offer history
The best time to apply for these popular Chase credit cards based on offer history
The best time to apply for these popular Citi cards based on offer history
The best time to apply for these 10 popular travel credit cards based on offer history
For rates and fees of the Amex Platinum, click here.For rates and fees of the Amex Business Platinum, click here.For rates and fees of the Amex Gold, click here.For rates and fees of the Amex Business Gold, click here.For rates and fees of the Amex Graphite card, click here.For rates and fees of the Blue Cash Preferred, click here.For rates and fees of the Blue Cash Everyday, click here.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
