The Points Guy has published its November 2026 roundup of credit card welcome bonuses, a recurring list it updates twice a month with offers from cards that appear on its best credit cards ranking. The selection leans on cards with elevated or limited-time bonuses and premium travel perks, aimed at frequent travelers, business owners and people loyal to particular airline or hotel programs. Because issuers place restrictions on how often a cardholder can earn a welcome bonus, the publication advises timing applications around strong offers, noting that larger bonuses tend not to stay available for long.
The deadlines vary widely. One Delta-focused offer ends Nov. 4, while other airline and hotel card promotions run until Jan. 13, 2027, according to the roundup. Some offers also require high spending thresholds within set windows, and certain credits carry expiration dates or usage restrictions.
Among business cards, The Business Platinum Card from American Express advertises a welcome offer of as high as 300,000 bonus points after spending $20,000 in the first three months, with welcome offers varying by applicant. The card carries an $895 annual fee and earns 5 points per dollar on flights and prepaid lodging booked through amextravel.com, plus 2 points per dollar on eligible purchases in select business categories and on eligible purchases of $5,000 or more, up to $2 million in such purchases per calendar year before the rate drops to 1 point per dollar.
The Sapphire Reserve for Business is presented as an option for high-spending business owners, with 5 points per dollar on Lyft through Sept. 30, 2027, 4 points per dollar on flights and hotels booked directly, and 3 points per dollar on social media and search engine advertising, capped at $1 million in spending per anniversary year starting Nov. 15, 2026. The Amex Business Gold offers as high as 200,000 bonus points after $15,000 in spending in the first three months, alongside 4 points per dollar in the top two eligible spending categories each billing cycle, capped at $150,000 in combined purchases per calendar year.
On the consumer side, The Platinum Card from American Express offers as high as 175,000 bonus points after $12,000 in purchases in the first six months, and pairs that with automatic elite status in Hilton Honors, Marriott Bonvoy and Leaders Club from The Leading Hotels of the World, with enrollment required, plus airport lounge access. It earns 5 points per dollar on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year, and 5 points per dollar on prepaid lodging booked with American Express Travel. The Amex Gold Card offers as high as 100,000 bonus points after $8,000 in the first six months, with 4 points per dollar on dining worldwide on the first $50,000 in purchases per calendar year and 4 points per dollar at U.S. supermarkets on the first $25,000, against a $325 annual fee.
A separate travel rewards offer pays 75,000 bonus miles after $4,000 in spending in the first three months, plus a $300 credit for hotel and vacation rentals booked through Capital One Travel during the first cardholder year.
Airline and hotel cards make up much of the rest of the list. The Atmos Rewards Ascent, aimed at Alaska Airlines and Hawaiian Airlines flyers, advertises up to 80,000 bonus points and a $99 Companion Fare, split between 60,000 points after $3,000 in spending in the first 90 days and an additional 20,000 points after reaching $5,000 in total spending in the same window. For a $95 annual fee, it includes a free checked bag for the cardholder and up to six guests on the same reservation and preferred boarding on both airlines when tickets are purchased with the card, plus an annual $99 Companion Fare after $6,000 in spending within the prior card anniversary year.
One Delta offer provides two domestic round-trip Delta Comfort Flight Certificates and 50,000 bonus miles after $10,000 in purchases in the first six months, requiring a 21-day advance purchase and up to $80 per person in taxes and fees, and it ends Nov. 4. Another offer pays 70,000 bonus miles after $3,000 in the first three months plus 10,000 miles for adding an authorized user, with a $0 introductory annual fee that rises to $150. A further offer provides 40,000 bonus miles after $1,000 in the first three months plus 10,000 miles for adding an authorized user, with no annual fee.
The Southwest Rapid Rewards Priority, with a $229 annual fee, includes a free first checked bag for the cardholder and up to eight companions on the same reservation, preferred seat selection at booking when available, and unlimited upgrades to extra-legroom seats within 48 hours of departure. The roundup notes it is among the last chances to have a welcome bonus count toward a Southwest Companion Pass: cardholders who apply and are approved by Dec. 2, 2026 can still have those points count toward qualification even if the spending requirement is met in early 2027.
The Bilt Palladium Card offers 50,000 bonus points and Gold status after $4,000 in everyday purchases in the first 90 days, plus $300 in Bilt Cash upon approval. It earns 2 points per dollar and 4% Bilt Cash on everyday purchases, which The Points Guy values at a 4.4% return using its November 2026 valuations. Benefits include a $400 Bilt Travel hotel credit each calendar year, split into two credits of up to $200, and $200 in Bilt Cash annually; starting in 2027 those are replaced by a single $600 annual Bilt Cash credit. The publication notes that from Jan. 1, 2027 new cardholders will only have access to housing-only rewards, while existing cardholders who open an account by Dec. 31, 2026 can keep the 4% Bilt Cash option by opting out of the new benefits before their first card anniversary. Bilt Cash expires 12 months after it is earned, on the last day of that month.
IHG's newly launched IHG One Rewards Premier Select carries a $350 annual fee and offers up to 28 points per dollar on IHG purchases, up to $300 in annual food and beverage rewards redeemable at IHG properties, a $200 airline statement credit after spending $250 directly with airlines each year, and a free night award worth up to 60,000 points.
The roundup states that welcome offer values are calculated using The Points Guy's November 2026 valuations and are not provided or reviewed by the issuer. The publication discloses that it may earn compensation when readers click on links, are approved for applications or open accounts with partners, and that its card analysis is produced by its editorial team. It also notes that Brian Kelly, founder of The Points Guy, is a Bilt adviser and investor.
Sources: The Points Guy.