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In other words, sign up for cards when it’s to your benefit, but stop once you’ve reached a point where your credit score might feel a negative impact.

pay your bill in full every month to avoid paying interest.

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However, it’s important to fully understand how these offers work if you truly want to maximize them.

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Whether you’re pursuing airline miles, hotel loyalty points, flexible rewards, or simple-to-redeem cash back, the biggest bang for your buck is almost always found in a credit card’s signup bonus.

These signup bonus offers, which are normally doled out after you meet a set of predefined requirements, are often worth $500 or more.

While securing a hefty signup bonus is fairly easy if you know what you’re looking for, it can be hard to find the winners among the hundreds of offers that are available.

That’s why we created this complete list of all of the best signup bonus offers available in 2017: While some cards offer airline or hotel-chain points that can only redeemed with a specific brand, others offer flexible rewards that can be used to book all types of travel – either by booking through an online travel portal, by booking with your card and redeeming for travel credit, or by transferring your points to a number of popular hotel or airline loyalty programs.

While one hard inquiry might have minimum impact on your credit score, having several could cause your score to tumble substantially.

So while you may earn more rewards by signing up for a handful of offers at once, you could potentially hurt your credit.

Here are our top credit card signup bonus offers for flexible rewards: We recommend the Chase Sapphire Preferred® Card because it has a great sign up bonus and it’s our favorite rewards credit card.

Even after you collect your bonus, the long-term viability of this card makes it a no-brainer.

Paying interest on your purchases while simultaneously pursuing rewards is never a good idea.

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