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Now may seem like a strange time to apply for a new credit card. Many of us only apply for a new credit card when we can meet the signup bonus spending requirements. Because circumstances are not normal, however, several banks are extending signup bonus offers by three months to buy you more time. These card issuers are extending signup bonus requirements that might be appealing to you.

extending signup bonus requirements
These credit card issuers are extending signup bonus requirements. You can take advantage of and plan future trips, such as one to the beautiful Los Angeles area. Photo by Johnny Jet

Editor’s Note: Some of the offers below may have expired or are no longer available on our site. 

American Express

American Express was the first bank to start extending the welcome bonuses.

Related: Best American Express Credit Cards for Travel and Best American Express Credit Cards for Business


Chase is currently extending signup bonuses for new accounts opened between January 1, 2020, and March 31, 2020, by three months. It appears this extension applies to personal and business credit cards. As most Chase credit cards have a 3-month spending window, you now have up to 6 months.

Like the infamous “5/24 application rule,” Chase isn’t publishing its extension policy.

Instead, various data points from other credible sites and testimonies from recent applicants confirm the policy. Chase is sending private emails to people with qualifying accounts.

If you’re not sure if you qualify for an extension, try sending a secure message to Chase. Most customer service phone lines have above-average wait times during this pandemic, so sending a message online or through the Chase app may be better.

As we don’t know if Chase will extend bonus offers for April and May applications yet, you might consider getting an American Express credit card first. If applying for a Chase credit card, apply with the anticipation of meeting the signup bonus spending window listed in the offer details when you apply.

Related: Best Chase credit cards for travel and rewards and Best Chase credit cards for business

Bank of America (Expired)

Bank of America has a 3-month extension policy similar to Chase. You have six months to meet the spending requirement for credit cards you open between January 1, 2020, and March 31, 2020. It remains unclear if this bonus extension applies to new accounts you open on April 1, 2020, or later.

Capital One

Capital One is reportedly extending signup bonuses on a case-by-case basis. You will need to contact Capital One customer service to request an extension. It can be best to call two weeks before your bonus period ends as you and Cap One will have a better prediction on how much of an extension you may need.

Keep in mind that Capital One doesn’t guarantee an extension for any applicant. You should do everything possible to make a good faith effort to earn the bonus.

While the Capital One policy isn’t as generous as American Express, it’s possible to get an extension. Just note that most banks are not currently offering a signup bonus extension to the general public.

Related: Best Capital One credit cards for travel and Best Capital One credit cards for business

Best Credit Card Signup Bonus Extensions

Here are some of the cards you may focus on first thanks to the extended bonus period. Additionally, you may want to check some of the best limited-time credit card offers available.

The Platinum Card from American Express

The Platinum Card® from American Express has one of the most valuable welcome bonuses.

New cardmembers can earn 75,000 bonus Membership Rewards® Points after spending $5,000 on purchases in the first 6 months of account opening. Cardholders also earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined purchases, during your first 6 months of card membership.

It’s possible to earn 100,000 bonus Membership Rewards if you apply and qualify with the CardMatch™ tool. The 100,000 Membership Rewards are worth $1,000 in award flights.

This card comes with many travel benefits you can enjoy when the skies re-open to air travel:

  • Up to $200 airline fee credit annually as statement credits for incidental fees at one qualifying airline
  • Up to $200 in annual Uber savings for rides and eats in the U.S.
  • Global Entry or TSA PreCheck application fee credit
  • Airport lounge access
  • FINE Hotels and Resorts credit ~average total value of $550
  • Automatic Hilton Honors Gold and Marriott Bonvoy Gold Elite status
  • 1:1 airline point transfers

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year. Cardholders also earn 5x points on prepaid hotel bookings through

The annual fee is $550 (See Rates & Fees), but these benefits can easily be worth a lot more.

Learn more: Johnny Jet Recommended Credit Cards

Blue Cash Preferred Card from American Express

The Blue Cash Preferred® Card from American Express is one of the best credit cards for grocery purchases and daily spend. As these are frequent purchases, especially in times like this, you will earn cash rewards.

You will earn up to 6% back on purchases with the Blue Cash Preferred Card:

  • 6% back at U.S. supermarkets (on the first $6,000 per year then 1% back)
  • 6% back on select U.S. streaming subscriptions
  • 3% back on transit and U.S. gas stations
  • 1% back on everything else
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Also, Plan It gives cardholders the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
Available until 12/10/2020, there is a $0 introductory annual fee for one year, then $95 (See Rates & Fees). The welcome bonus is the ability to earn a $300 statement credit after spending $3,000 on purchases in the first 6 months. This offer also expires on 12/10/2020.

The 6% bonus categories make it easy to maximize your spending power.

Learn more: Rewards Credit Cards

Ink Business Preferred Credit Card

One of the best small business credit cards to consider right now is the Ink Business Preferred® Credit Card. You have the chance to earn 100,000 bonus Chase Ultimate Rewards, but you must spend $15,000 in the first three months. This bonus is worth $1,250 in award travel you book on the Chase travel portal.

You will earn 3x Ultimate Rewards on the first $150,000 in combined annual purchases:

  • Travel
  • Shipping purchases
  • Internet, cable and phone services
  • Social media and search engine advertising

Your points are worth 25% more when booking award travel on the Chase travel portal. You can also transfer them at a 1:1 ratio to airline and hotel partners, including United, Southwest, Avianca, British Airways, and Hyatt.

The annual fee is $95 for the primary card and $0 for each additional employee card.

Related: Best small business credit cards


Some banks are extending signup bonus requirements this spring, so you can still earn a signup bonus. We don’t know if banks will continue to offer extensions. Now can be an excellent time to get a bonus so you’re ready to book award travel again soon.


Is American Express extending welcome offer spending requirements? (Expired)

Yes, American Express is currently extending the spending requirements for new personal and small business credit card welcome offers. Any approved application you submit on a qualifying card between December 1, 2019, and May 31, 2020, gets an extra three months.

For example, you have six months to spend $1,000 instead of the usual three months. Despite the spending extension, all Amex welcome offers can only be earned once for each card.

Read the offer terms and conditions to make sure you qualify before you apply.

Is Chase extending the credit card signup bonus requirements? (Expired)

Chase is currently allowing new personal and business credit cards opened between January 1, 2020, and March 31, 2020, an additional three months to meet the sign-up bonus spending requirements. If you qualify for this extension, Chase will send you an email with the revised bonus offer requirements.

How often can you apply for Amex cards?

You can apply for up to two new American Express credit cards within 90 days. American Express will most likely decline your 3rd application.

This restriction only applies to credit cards that have a preset spending limit.

One final rule to watch out for is having up to 5 American Express cards. You can have a combined amount of 5 personal and business credit cards at one time.

Related Articles:

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

Josh Patoka

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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