Some people scroll social media for fun. I scroll credit card offers.

Yes, I am a money nerd. But for good reason! The right sign-up bonus can mean $500, $1,000, even $2,000+ in rewards -- just for buying the stuff I was already going to buy.

And if you pick the right card, those perks keep paying you long after you've earned the welcome bonus.

Every week, my team sifts through 260+ credit card offers to spotlight the biggest bonuses, hidden gems, and long-term wins worth your swipe. Here are the best deals live right now.

Top credit card welcome bonuses this week

How we chose this week's top credit card bonuses

We don't just pick the cards with the biggest numbers. Each week, we look for offers that are easy to earn -- and useful long after the bonus lands in your account.

Here's what we focus on:

• Bonuses you can realistically earn
• Rewards you'll actually want to use
• Time-sensitive deals that could disappear soon

We update this list weekly so you always see the best offers available right now.

Make sure the card fits before you apply

A welcome bonus can be a solid win -- but only if the card makes sense for you. Before you apply, ask yourself:

• Can I spend enough to earn the bonus without going over budget?
• Do the rewards and perks line up with how I spend or travel?
• Is my credit score high enough? (Most of the best cards want a score of at least 670.)

A quick gut check now can help you avoid missing the bonus -- or getting stuck with the wrong card.

How often should you apply for a new card?

There's no exact rule, but once every three to six months is usually safe. It keeps your credit score steady and helps you stay eligible for more offers.

Some simple tips to keep in mind:

• Only go for offers that truly fit your needs
• Don't apply unless you're sure you can hit the spend
• Hold off if a big financial move (like a mortgage) is on the horizon

The right timing can help you stack rewards -- without hurting your credit.

Ready to earn a bonus?

There are some great limited-time offers on the table this week. Scroll up to see what stands out, or head to our full guide for even more top credit card sign-up bonuses worth checking out.

FAQs

• What credit score do I need to qualify for top offers?

  Most of the best credit card bonuses -- especially the ones we highlight -- require good to excellent credit. That usually means a FICO® Score of 670 or higher. Premium cards may require a score in the 700s. If you're unsure where you stand, it's smart to check your credit score before applying to avoid a surprise denial.

• What should I look for in a good credit card sign-up bonus?

  A strong bonus should be achievable without overspending and come with a card that offers long-term value. Look for offers with reasonable minimum spend requirements, rewards that align with your everyday spending or travel habits, and perks you'll actually use. Limited-time promos can be great -- just make sure the card still makes sense after the bonus is gone.

• Can I earn the bonus again if I had the card in the past?

  It depends on the issuer's rules. Some credit card companies, like American Express, generally offer a welcome bonus only once per card, per lifetime. Others, like Chase or Citi, may let you earn a bonus again -- but only if a certain amount of time has passed (typically 24 to 48 months since you last got the bonus). Always check the fine print before applying.