Best Credit Card Offers November 2026: Top Elevated Personal and Business Bonuses

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The best credit card offers right now include 200,000 points on the Chase Sapphire Reserve for Business and business bonuses topping out at 300,000 points on the Amex Business Platinum, plus 75,000 points on the Chase Sapphire Preferred on the personal side. Two of this summer’s headline offers — the Preferred’s 100,000-point offer and the Ink Business Unlimited’s 100,000-point offer — have expired and are kept at the bottom of this page for reference; both cards carry new, lower live offers above.

Best Personal Credit Card Offers for November 2026

Chase Sapphire Preferred: 75,000 Points

The offer: 75,000 bonus points after $5,000 in spend in the first 3 months. Annual fee is $95.

Learn more about the Chase Sapphire Preferred Offer

The math: 75,000 points are worth $750 as a floor through Chase Travel. Transfer to partners like Air Canada Aeroplan or Flying Blue and you are routinely clearing 1.5 to 2 cents per point, which puts this bonus at $1,125 to $1,500 or even more in real travel.

This card also just got its biggest refresh in years: a doubled $100 hotel credit, new 3x categories on gas and vacation homes, and a Global Entry credit. I broke down every change in my full Chase Sapphire Preferred benefits guide.

Best Business Credit Card Offers for November 2026

The business card offers this November are a different story. Every one of these has a high headline number, and the math on most of them is honest. We are covering four of them in this post: the Chase Sapphire Reserve for Business, the Amex Business Platinum, the Amex Business Gold, and the Chase Ink Business Unlimited. They share a theme: the bonus is the point, and the card still has to earn a place in your wallet after you hit the minimum spend.

You do not need a big company to apply for business cards. Freelancers, resellers, and sole proprietors can apply with a Social Security number.

Chase Sapphire Reserve for Business: 200,000 Points

The offer: 200,000 bonus points after $30,000 in spend in the first 6 months. Annual fee is $795.

The math: $2,000 floor through Chase Travel, up to $4,000 on boosted portal redemptions, and $3,000 to $4,000 or more through transfer partners at 1.5 to 2 cents per point. The $30,000 requirement works out to $5,000 a month, so this is built for businesses with real recurring spend.

Click here to learn more about he Chase Sapphire Reserve for Business Offer

Amex Business Platinum: As High As 300,000 Points

The offer: you may be eligible for as high as 300,000 Membership Rewards points after $20,000 in spend in the first 3 months, with a tiered structure that can reward even higher spend. Annual fee is $895. This is the highest public offer I have ever seen on this card. The offer is personalized: Amex shows your actual number during the application, and there is no published floor.

The math: 300,000 points at a conservative 1.5 cents per point, as an estimate, is $4,500 in travel. The card then piles on over $2,000 in usable annual credits, which I itemized line by line in my Amex Business Platinum review.

Amex Business Gold: As High As 200,000 Points

The offer: you may be eligible for as high as 200,000 Membership Rewards points after $15,000 in spend in the first 3 months. Annual fee is $375.

The math: 200,000 points at 1.5 cents per point, as an estimate, is $3,000 in travel from a card with a much lower fee than the Business Platinum. The 4x on your top two spend categories each month makes it one of the best ongoing earners in the business lineup.

Chase Ink Business Unlimited: $750 Bonus Cash Back

The offer: $750 bonus cash back after $6,000 in spend in the first 3 months, with no annual fee. That cash back is paid as 75,000 Ultimate Rewards points, and if you also hold a Sapphire or Ink Preferred, those points convert to full transfer partner currency.

The math: 75,000 points at 1.5 to 2 cents per point through partners is $1,125 to $1,500, from a card that costs nothing to hold.

Who Should Skip These Offers

Skip any offer where you cannot hit the spend requirement with money you were going to spend anyway. Inventing spend to chase a bonus means paying real dollars for points worth less than the dollars. Skip the Chase cards if you are at or over 5/24, since business card approvals are still subject to the rule even though business cards do not add to your count.

Bottom Line

November’s list runs five live offers deep. The Sapphire Reserve for Business at 200,000 points is the biggest guaranteed number, the Amex Business Platinum’s potential 300,000 is the biggest ceiling, and the Sapphire Preferred at 75,000 points is the easiest math on the personal side. Check the deadlines, count your organic spend honestly, and let the math make the decision.

Recently Expired — For Reference

Chase Sapphire Preferred: 100,000 Points (Offer has expired)

The offer: 100,000 bonus points after $5,000 in spend in the first 3 months. Annual fee is $95.

The math: 100,000 points are worth $1,000 as a floor through Chase Travel. Transfer to partners like Air Canada Aeroplan or Flying Blue and you are routinely clearing 1.5 to 2 cents per point, which puts this bonus at $1,500 to $2,000 or even more in real travel. That is over 20 times the annual fee before you touch a single ongoing benefit.

Learn more about the Chase Sapphire Preferred Offer

Chase Ink Business Unlimited: 100,000 Points (Offer has expired)

The offer: 100,000 bonus points on this card with no annual fee. If you also hold a Sapphire or Ink Preferred, those points convert to full transfer partner currency.

The math: 100,000 points at 1.5 to 2 cents per point through partners is $1,500 to $2,000, from a card that costs nothing to hold. Dollar for dollar of annual fee, nothing else on this list touches it. My full Ink Business Unlimited review has the details:

Click here to learn more about the Ink Business Unlimited Offer

Best Offers

Picked by Becca

Chase Sapphire Preferred® Card

Welcome Offer 75,000 bonus points
- Transferable points
- $100 hotel credit
Annual fee $95 Learn More
Atmos™ Rewards Ascent Visa Signature® credit card

Limited-time online offer – Earn up to 80,000 bonus points + $99 Companion Fare

Learn More
Capital One Venture Rewards Credit Card

Welcome Offer Earn 75,000 miles
- 2x on everything
- 15+ transfer partners
Annual fee $95 Learn More
Chase Sapphire Reserve®

Welcome Offer 100,000 bonus points
- Lounge access
- $300 travel credit
Annual fee $795 Learn More