Tracked daily

Apply now, or wait for a better offer?

We track the full sign-up-bonus history of every major card and show you which ones are at an all-time high right now. No more guessing.

27 cards qualify today ↓Refreshed July 3, 2026

27 credit cards at their all-time-high bonus

These cards are offering the most points, miles, or cash back they ever have. Every other card we track is below its peak. See the full comparison.

Why wait for an all-time high?

A card’s sign-up bonus is usually the single biggest reason to get it, and the offer moves a lot. The same card might give 60,000 points one month and 100,000 the next. Apply at a low point and you leave tens of thousands of points on the table that you can never get back. The hard part is knowing where today’s offer sits in that history. That’s the work we do for you.

01

We log the full history

Every public sign-up offer for each card, sourced from trackers like Upgraded Points and Doctor of Credit, going back years.

02

We find each all-time high

The biggest welcome bonus the card has ever offered. That's the benchmark today's deal has to beat.

03

We flag today’s matches

Checked daily. A card only appears on this list while its current bonus ties its own record.

Common questions

Should I apply for a credit card now or wait for a better offer?
If a card's current sign-up bonus is at its all-time high, now is generally as good as it gets, and waiting risks the offer dropping back down. If it's below its record, waiting may pay off. This page lists every card whose welcome bonus is at its all-time high today, updated daily.
What does “all-time high” mean for a sign-up bonus?
It's the largest welcome bonus a card has ever publicly offered. We keep each card's full offer history and compare today's bonus to that record, so you can see whether the current deal is genuinely the best it's ever been.
How often is the data updated?
Every day. An automated job re-checks each card’s current offer against its source and refreshes this list, so a card only stays here while its bonus is still at its all-time high.
Where does the offer data come from?
Public offer histories from reputable trackers like Upgraded Points, Doctor of Credit, and Frequent Miler, plus issuer pages. Every offer on the site is sourced and cited. We never estimate or invent numbers.
Does an all-time-high offer guarantee I’ll be approved or get the bonus?
No. Approval and bonus eligibility depend on the issuer's own rules (application limits like Chase 5/24, once-per-lifetime bonus restrictions, and your credit profile). We track the public offer, not your personal eligibility, so always confirm the terms on the issuer's site before applying.