For those with access to credit cards in the United States, the single best way to rack up a lot of points quickly is by taking advantage of the best credit card welcome offers. The credit card industry in the United States is lucrative (for banks, airlines, hotel groups, etc.), and the idea is that they often offer large upfront welcome offers and bonuses to incentivize people to apply.

So in this post, I’d like to share what I consider to be the best current credit card welcome offers for earning travel rewards, across a variety of categories. I’ll cover the best transferable points card offers, the best business card offers, the best hotel card offers, and the best airline card offers. The details of the best offers are always changing, so that’s why I think it’s useful to keep a current list with the best opportunities, which I try to constantly update to reflect offers.

I’ll share what I consider the 20 best credit card offers right now to be, across four categories (business transferable points cards, personal transferable points cards, hotel cards, and airline cards). Before I do, let me just point out a few things:

Simply put, most people want to travel better, but don’t know how. One of the best ways to improve your travel experience is to pick up an excellent credit card that can add value to your wallet.

When applying for a credit card, consider three main points:

In this post I’m focusing primarily on the welcome bonuses, which can be one of the best ways to get rewarded quickly. Often a good credit card bonus will be enough to earn you an international ticket in first or business class, which many would otherwise assume is off limits.

Business credit cards tend to have among the most lucrative welcome offers of any cards out there, so if you’re eligible to apply for them, there are some incredible opportunities. Admittedly these cards often have large minimum spending requirements, but if you can unlock them, these cards can earn you an incredible amount of travel.

Below are what I consider to be the five best welcome offers on business cards that earn travel rewards. Specifically, these are focused on transferable points currencies, which give you the most flexibility (I’ll cover some airline and hotel business cards below, in separate sections).