ByBest Credit Card Welcome Bonuses & Transfer Offers in November 2025: Huge Rewards, Limited-Time Deals
Don’t miss these massive November 2025 credit card bonuses! Earn up to 200,000 points with Amex, Chase, and more — plus limited-time transfer and shopping rewards deals.
November 2025: Huge Credit Card Welcome Bonuses You Can Still Grab
This month is packed with some of the biggest credit card welcome bonuses and limited-time transfer offers we’ve seen all year. Whether you’re looking to earn Membership Rewards points, Chase Ultimate Rewards, or even airline miles through debit cards, there are several lucrative opportunities available this November.
From Amex Platinum and Chase Ink cards to new debit card launches offering airline miles, these promotions can help you earn thousands of dollars in travel rewards or cashback — just in time for the holiday shopping season and Black Friday deals.
1. Charles Schwab Amex Platinum – 125,000 Points Bonus
The Charles Schwab American Express Platinum Card is currently offering a massive 125,000 Membership Rewards points after spending $8,000 in your first six months.
- Bonus Value: ~$2,500 (at 2¢ per point)
- Deadline: November 12, 2025
- Annual Fee: $695 (same as standard Amex Platinum)
- Perk: Redeem Amex points at 1.1¢ per point directly into your Charles Schwab account.
This version of the Platinum card is perfect for investors who want to redeem points as cash in their Schwab account, but it’s also a great choice for anyone chasing the highest fixed bonus currently available.
2. Chase Ink Business Cash & Ink Unlimited – 90,000 Point Bonuses
Chase is still offering 90,000 Ultimate Rewards points on both the Ink Business Cash and Ink Business Unlimited cards — but not for long.
- Spend Requirement: $6,000 in 3 months
- Bonus Value: ~$1,800 (if transferred to travel partners)
- Annual Fee: $0
Both cards are great for small business owners or freelancers. The Ink Cash earns 5% back on select business categories, while the Ink Unlimited earns 1.5% back on all purchases. These offers are set to end by the end of November 2025, so act fast.
3. Amex Business Gold – 200,000 Points Bonus
American Express has an exclusive 200,000 Membership Rewards point offer for the Business Gold Card via a direct link.
- Spend Requirement: $15,000 in 3 months
- Bonus Value: ~$4,000
- Annual Fee: $375
With 4x points on select business categories and new perks like a $150 Squarespace credit, a $240 flexible credit, and a Walmart+ membership, this card provides great ongoing value beyond the sign-up bonus.
4. United MileagePlus Debit Card – 10,000 Mile Bonus
Yes, even debit cards are now offering travel rewards. The United MileagePlus Debit Rewards Card is giving:
- Bonus: 10,000 miles for spending $500 in 4 months
- Issuer: Sunrise Banks
- Earning: 1 mile per $2 spent + miles on account balances
This is ideal for people who prefer not to use credit cards or want to earn miles on non-credit spending.
5. Capital One 20% Transfer Bonus to British Airways
Capital One cardholders (Venture, Venture X, and Spark Miles) can enjoy a 20% transfer bonus when sending points to British Airways Avios until November 21, 2025.
This is an excellent chance to book OneWorld Alliance flights, including American Airlines, for fewer miles.
6. Amex Transfer Bonuses: Avianca (15%) & Marriott (30%)
American Express is also running two major transfer bonuses this month:
- Avianca LifeMiles: +15% bonus until November 30
- Marriott Bonvoy: +30% bonus until November 30
While Avianca’s bonus is great for Star Alliance redemptions, the Marriott bonus may not offer the best value since Marriott points are typically worth less than 1¢ each.
7. Rakuten’s Holiday Shopping & $50 Sign-Up Bonus
Rakuten, the popular cashback and points shopping portal, has kicked off its Black Friday lead-up deals with boosted cashback across major brands.
- Offer: 15% cashback (or 15x Amex points) at select merchants like Lululemon
- New User Bonus: $50 after spending $50
- Duration: November 1–10, 2025
Stack this with Amex credits and holiday sales for triple or even quadruple-layered rewards.
8. Bank of America “More Rewards Day” – Extra 2% Cashback
On November 6, 2025, Bank of America is offering an automatic 2% bonus cashback or 2x points on all purchases across their credit cards.
- No signup required
- Max Bonus: $50 or 5,000 points
- Valid: 12 a.m.–12 a.m. Eastern Time
Perfect timing for early holiday shopping!
Final Thoughts: Best November Bonuses to Grab Now
November is shaping up to be one of the most rewarding months for credit card users in 2025. From Amex Platinum’s 125K offer to Chase Ink’s 90K, and even new debit card bonuses, there’s something for every kind of spender.
Pair these with Rakuten’s Black Friday cashback and Bank of America’s extra rewards day, and you could easily earn thousands in free travel or cashback this month alone.
Key Takeaways
- Charles Schwab Amex Platinum: 125K points (ends Nov 12)
- Chase Ink Business Cards: 90K points (ends soon)
- Amex Business Gold: 200K points (direct link only)
- United Debit Card: 10K miles bonus
- Capital One → BA Transfer: +20% (ends Nov 21)
- Amex → Avianca/Marriott: +15% / +30% (ends Nov 30)
- Rakuten: $50 bonus + high cashback (Nov 1–10)
- Bank of America: +2% cashback (Nov 6 only)
Also read Hyatt and Chase Partnership 2026: Explorer Status, New Premium Hyatt Card & Luxury Hotel Expansion
