Best Credit Card Bonuses for New Cardholders of December 2024
Updated: Nov 22, 2024
+ 1 more+ 1 more
Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $200, but some cards go even higher. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are good bonus offers currently available on NerdWallet.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $200, but some cards go even higher. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are good bonus offers currently available on NerdWallet.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $200, but some cards go even higher. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are good bonus offers currently available on NerdWallet.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $200, but some cards go even higher. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are good bonus offers currently available on NerdWallet.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Best Credit Card Bonuses for New Cardholders of December 2024
Wells Fargo Active Cash® Card: Best for Flat-rate cash back
Chase Sapphire Preferred® Card: Best for Chase Ultimate Rewards® points
U.S. Bank Cash+® Visa Signature® Card: Best for Wide selection of categories
Capital One Venture Rewards Credit Card: Best for Capital One Miles
Chase Freedom Flex®: Best for Quarterly categories + cash bonus
Wells Fargo Autograph℠ Card: Best for No-annual-fee travel points
American Express® Gold Card: Best for American Express Membership Rewards
Citi Custom Cash® Card: Best for Automatic 5% rewards
Blue Cash Preferred® Card from American Express: Best for Families & households
Discover it® Cash Back: Best for Cash back match
Capital One Quicksilver Cash Rewards Credit Card: Best for Simplicity + 0% APR offer
Bank of America® Customized Cash Rewards credit card: Best for Adjustable 3% categories
Southwest Rapid Rewards® Priority Credit Card: Best for Southwest Airlines
Hilton Honors American Express Surpass® Card: Best for Hilton Hotels
World of Hyatt Credit Card: Best for World of Hyatt
Citi Strata Premier℠ Card: Best for 3X in multiple categories
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: Best for American Airlines
Marriott Bonvoy Boundless® Credit Card: Best for Marriott Bonvoy Hotels
Delta SkyMiles® Reserve American Express Card: Best for Delta Air Lines
IHG One Rewards Premier Credit Card: Best for IHG Hotels
U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Best for Big-box shoppers
United℠ Explorer Card: Best for United Airlines
Alaska Airlines Visa Signature® credit card: Best for Alaska Airlines
Show SummaryHide Summary
Best Credit Card Bonuses for New Cardholders From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Chase Sapphire Preferred® CardApply Now on Chase's website on Chase's website | Best for Chase Ultimate Rewards® points | $95 | 1x-5x | 60,000 points | Apply Now on Chase's website on Chase's website |
 Wells Fargo Active Cash® CardApply Now on Wells Fargo's website on Wells Fargo's website | Best for Flat-rate cash back | $0 | 2% | $200 | Apply Now on Wells Fargo's website on Wells Fargo's website |
 Citi Strata Premier℠ CardApply Now on Citibank's application on Citibank's application | Best for 3X in multiple categories | $95 | 1x-10x | 75,000 points | Apply Now on Citibank's application on Citibank's application |
 Capital One Venture Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Capital One Miles | $95 | 2x-5x | 75,000 miles | Apply Now on Capital One's website on Capital One's website |
 U.S. Bank Cash+® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Wide selection of categories | $0 | 1%-5% | $200 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 Chase Freedom Flex®Apply Now on Chase's website on Chase's website | Best for Quarterly categories + cash bonus | $0 | 1%-5% | $200 | Apply Now on Chase's website on Chase's website |
 Blue Cash Preferred® Card from American ExpressApply Now on American Express' website on American Express' website | Best for Families & households | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
 Citi Custom Cash® CardApply Now on Citibank's application on Citibank's application | Best for Automatic 5% rewards | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
 American Express® Gold CardApply Now on American Express' website on American Express' website | Best for American Express Membership Rewards | $325 | 1x-4x | 60,000 points | Apply Now on American Express' website on American Express' website |
 Bank of America® Customized Cash Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Adjustable 3% categories | $0 | 1%-3% | $200 | Apply Now on Bank of America's website on Bank of America's website |
 Capital One Quicksilver Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Simplicity + 0% APR offer | $0 | 1.5%-5% | $200 | Apply Now on Capital One's website on Capital One's website |
 Wells Fargo Autograph℠ CardApply Now on Wells Fargo's website on Wells Fargo's website | Best for No-annual-fee travel points | $0 | 1x-3x | 20,000 points | Apply Now on Wells Fargo's website on Wells Fargo's website |
 Hilton Honors American Express Surpass® CardApply Now on American Express' website on American Express' website | Best for Hilton Hotels | $150 | 3x-12x | 165,000 points | Apply Now on American Express' website on American Express' website |
 Discover it® Cash BackApply Now on Discover's website, on Discover's website, or call 800-347-0264 | Best for Cash back match | $0 | 1%-5% | Cashback Match™ | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
 U.S. Bank Shopper Cash Rewards® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Big-box shoppers | $0 intro for the first year, then $95 | 1.5%-6% | $250 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 United℠ Explorer CardApply Now on Chase's website on Chase's website | Best for United Airlines | $0 intro for the first year, then $95 | 1x-2x | 60,000 miles | Apply Now on Chase's website on Chase's website |
 Alaska Airlines Visa Signature® credit cardApply Now on Bank of America's website on Bank of America's website | Best for Alaska Airlines | $95 | 1x-3x | 60,000 miles | Apply Now on Bank of America's website on Bank of America's website |
 IHG One Rewards Premier Credit CardApply Now on Chase's website on Chase's website | Best for IHG Hotels | $99 | 1x-26x | 140,000 points | Apply Now on Chase's website on Chase's website |
 Marriott Bonvoy Boundless® Credit CardApply Now on Chase's website on Chase's website | Best for Marriott Bonvoy Hotels | $95 | 2x-17x | 150,000 points | Apply Now on Chase's website on Chase's website |
 World of Hyatt Credit CardApply Now on Chase's website on Chase's website | Best for World of Hyatt | $95 | 1x-9x | Up to 60,000 Points | Apply Now on Chase's website on Chase's website |
 Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Apply Now on Citibank's application on Citibank's application | Best for American Airlines | $0 intro for the first year, then $99 | 1x-2x | 50,000 miles | Apply Now on Citibank's application on Citibank's application |
 Delta SkyMiles® Reserve American Express CardApply Now on American Express' website on American Express' website | Best for Delta Air Lines | $650 | 1x-3x | 70,000 miles | Apply Now on American Express' website on American Express' website |
 Southwest Rapid Rewards® Priority Credit CardApply Now on Chase's website on Chase's website | Best for Southwest Airlines | $149 | 1x-3x | $400 Credit + 40,000 Points | Apply Now on Chase's website on Chase's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Chase Ultimate Rewards® points
BONUS OFFER: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Our Take
New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners
Has annual fee
Requires good/excellent credit
Complicated rewards
BONUS OFFER: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Flat-rate cash back
BONUS OFFER: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Product Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Our Take
High rewards rate
No annual fee
Intro APR period
No bonus categories
BONUS OFFER: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
3X in multiple categories
BONUS OFFER: For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Product Details
- For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
- Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases.
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- View Rates & Fees
Our Take
BONUS OFFER: For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Has annual fee
Requires good/excellent credit
BONUS OFFER: For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Capital One Miles
BONUS OFFER: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Product Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates & Fees
Our Take
High rewards rate
Flexible rewards redemption
Has annual fee
Requires good/excellent credit
BONUS OFFER: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Wide selection of categories
BONUS OFFER: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Product Details
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category like Gas Stations and EV Charging Stations, or Grocery Stores (excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.99%.
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
Our Take
No annual fee
Bonus categories
High rewards rate
Complicated rewards
BONUS OFFER: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Quarterly categories + cash bonus
BONUS OFFER: This card offers a competitive cash bonus for hitting a spending threshold that most households should be able to reach fairly easily.
Product Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Our Take
No annual fee
New cardholder bonus offer
Bonus categories
Cash rewards
Intro APR period
Requires good/excellent credit
Complicated rewards
BONUS OFFER: This card offers a competitive cash bonus for hitting a spending threshold that most households should be able to reach fairly easily.
Families & households
BONUS OFFER: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
Product Details
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- View Rates & Fees
Our Take
High rewards rate
Bonus categories
Intro APR period
Cash rewards
Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards
BONUS OFFER: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
Automatic 5% rewards
BONUS OFFER: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Product Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- View Rates & Fees
Our Take
No annual fee
5% bonus categories
Intro APR Period
Low rate outside bonus categories
BONUS OFFER: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
American Express Membership Rewards
BONUS OFFER: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Product Details
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates & Fees
Our Take
Bonus categories
Transfer partners
Flexible rewards redemption
Has annual fee
Complicated rewards
Requires good/excellent credit
BONUS OFFER: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Adjustable 3% categories
BONUS OFFER: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Product Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.74% - 28.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our Take
No annual fee
New cardholder bonus offer
Rotating bonus categories
Relationship rewards for customers
Intro APR period
Requires good/excellent credit
Complicated rewards
Spending caps on bonus rewards
Best rewards limited to certain customers
BONUS OFFER: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Simplicity + 0% APR offer
BONUS OFFER: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- View Rates & Fees
Our Take
No annual fee
High rewards rate
Intro APR period
No foreign transaction fees
Requires good/excellent credit
No bonus categories
BONUS OFFER: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
No-annual-fee travel points
BONUS OFFER: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Product Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- View Rates & Fees
Our Take
No annual fee
Bonus categories
No reward caps
Cell phone insurance
New cardholder bonus offer
No free checked bags
No free anniversary night
No luxury perks
Requires good/excellent credit
BONUS OFFER: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Hilton Hotels
BONUS OFFER: Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.
Product Details
- Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
- View Rates & Fees
Our Take
High rewards rate
Automatic elite status
Luxury perks
Has annual fee
No free anniversary night
BONUS OFFER: Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.
Cash back match
BONUS OFFER: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Product Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates & Fees
Our Take
No annual fee
Intro APR period
Bonus categories
Cash rewards
Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad
BONUS OFFER: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Big-box shoppers
BONUS OFFER: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Product Details
- 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose.
- Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category like gas stations & EV charging stations (excludes discount stores/supercenters and wholesale clubs), bills and home utilities.
- 1.5% Cash Back on all other eligible purchases.
- 6% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
- Terms and conditions apply.
- View Rates & Fees
Our Take
High rewards rate
Bonus categories
New cardholder bonus offer
Has annual fee
Complicated rewards
BONUS OFFER: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
United Airlines
BONUS OFFER: Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Product Details
- Limited-time Offer: Earn 60,000 bonus miles
- $0 introductory annual fee for the first year, then $95.
- 2x miles on United® purchases, dining, and hotel stays
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Member FDIC
Our Take
Bonus categories
Luxury perks
New cardholder bonus offer
Free checked bag
Has annual fee
Rewards have limited flexibility
BONUS OFFER: Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Alaska Airlines
BONUS OFFER: Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Product Details
- LIMITED TIME ONLINE OFFER—60,000 Bonus Miles!
- Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Our Take
Companion benefit
Free checked bag
Requires good/excellent credit
Has annual fee
Rewards have limited flexibility
BONUS OFFER: Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
IHG Hotels
BONUS OFFER: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Product Details
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Our Take
Anniversary perk
High rewards rate
Automatic elite status
Luxury perks
Has annual fee
Rewards have limited flexibility
BONUS OFFER: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Marriott Bonvoy Hotels
BONUS OFFER: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Product Details
- Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
- Member FDIC
Our Take
Anniversary perk
High rewards rate
Automatic elite status
Has annual fee
Rewards have limited flexibility
BONUS OFFER: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
World of Hyatt
BONUS OFFER: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Product Details
- Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Our Take
New cardholder bonus offer
Automatic free night annually
Bonus categories
Luxury perks
Has annual fee
Complicated rewards
Limited redemptions
BONUS OFFER: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
American Airlines
BONUS OFFER: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Product Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- View Rates & Fees
Our Take
Free checked bag
Early boarding
Bonus categories
Has annual fee
Rewards have limited flexibility
BONUS OFFER: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Delta Air Lines
BONUS OFFER: Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Product Details
- Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club® when you fly Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
- Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
- Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates & Fees
Our Take
High rewards rate
Free checked bag
Early boarding
Companion benefit
Has annual fee
Requires good/excellent credit
BONUS OFFER: Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Southwest Airlines
BONUS OFFER: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Product Details
- Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
Our Take
Anniversary perk
No reward caps
High annual fee
Rewards have limited flexibility
BONUS OFFER: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
How do credit card sign-up bonuses work?
Credit card issuers use sign-up bonuses to encourage people to apply for a card and then, once approved, get in the habit of using it. The term "sign-up bonus" is a bit of a misnomer because in most cases, you don't get a bonus simply for signing up. You earn it by putting a certain amount of spending on your card in the first few months. That's why some issuers use a term like "welcome offer" or "new cardholder offer" rather than "sign-up bonus."
With a typical sign-up bonus, the time frame for earning the bonus is usually three to six months. The clock starts when you're approved for the card. The more valuable the bonus, the more you'll usually have to spend during that time in order to earn it. For example, a cash back card might offer a bonus of $150 to $200; to earn it, you might have to spend $500 or $1,000. A travel or airline credit card might offer points or miles worth $750 or even $1,000 but will require spending of $3,000 or more. Sign-up bonuses are typically all or nothing — you either spend enough to earn the bonus, or you don't. You won't get half the bonus for spending half the required amount.
Discover cards are a notable exception to the "all or nothing" nature of credit card bonus offers. Instead of a set bonus amount, the size of your bonus depends on how much you use the card over the first 12 months your account is open. At the end of that period, the issuer matches all the rewards you've earned. For example, here's how Discover describes the bonus offer on the popular Discover it® Cash Back card: "INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300."
Once you hit the required spending amount, you'll get your bonus. With some cash-back cards, the bonus might immediately appear as a credit against purchases on your monthly statement. In most cases, though, the bonus shows up in your rewards balance, alongside the points, miles or cash back you earn from your spending. You can then redeem your bonus however and whenever you want.
Credit card companies usually set rules about what kind of spending counts toward earning the sign-up bonus. Purchases of goods and services will count. Balance transfers, cash advances and wire transfers will not, nor will purchases of cash equivalents like gift cards, money orders or casino chips. In other words, you can't earn a sign-up bonus by "buying money" and then paying off your balance with that money.
What credit card has the best sign-up bonus?
The "best" offer for new cardholders is a moving target for a couple of reasons.
First, bonuses are paid in different kinds of "currency" — cash, statement credits, frequent flyer miles, hotel points and more. That makes it hard to compare bonus values directly. Second, credit card issuers frequently roll out special offers. A card that usually dangles 50,000 points or miles as a bonus might kick that up to 75,000 or 100,000 for a limited time to try to entice people to apply. Targeted offers — that is, those sent out to select consumers rather than advertised to the public at large — can be even more lucrative.
That said, here are some things to keep in mind about bonus offers:
Travel credit cards tend to offer bigger bonuses than cash back credit cards. Bonus offers on most cash back cards top out at around $200. Travel cards can have bonuses worth $500 or more. However, travel card bonuses come as points or miles that might not be as easy to redeem as $200 in cash.
Cards with annual fees tend to offer bigger bonuses. When a card charges an annual fee, the issuer knows it needs to sweeten the offer to get you to choose that card over one that charges nothing. So annual-fee cards pay richer rewards, provide better perks — and carry bigger bonuses. For example, the popular Capital One Venture Rewards Credit Card charges a $95 annual fee (see rates and fees) and has this offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. The Capital One VentureOne Rewards Credit Card - Miles Boost, on the other hand, has a lower offer: Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel. But in exchange, it has a $0 annual fee (see rates and fees).
Points and miles are not all created equal. A bonus of 40,000 miles on a Delta Air Lines credit card has a different value from a bonus of 40,000 miles on a Southwest Airlines card. And 50,000 Chase Ultimate Rewards® points are worth more (much more) than 50,000 Hilton Honors points. Apples-to-apples comparisons are difficult with points and miles because they aren't portable like cash — you can only use them in the ways allowed by the program that awarded them. See our page on point and mile values for more information.
At NerdWallet, we often say that there is no single "best" credit card — just the best card for you. It's the same with bonus offers. The best sign-up bonus is the one that is of greatest value to you.
How many credit card sign-up bonuses can I earn?
There's no overall limit to how many times you can earn credit card sign-up bonuses. However, individual card issuers may have rules in place to keep you from earning a bonus on a particular card or "family" of cards more than once. The idea behind such rules is to keep people from applying for the card, earning the bonus, canceling or downgrading the card, then applying anew and earning another bonus. Read the terms and conditions of any bonus offer to see what restrictions are in place.
What credit card sign-up bonuses are the easiest to get?
Generally speaking, cash back credit cards have lower spending requirements for earning their bonuses. Depending on the card, you might be able to snag a bonus of $150 or $200 by spending as little a $500.
Is a credit card bonus taxable income?
Legally speaking, credit card rewards — including bonuses — are not income. Instead, the IRS considers them a discount or rebate on purchases made with the card. Therefore, they're not taxable.
This tax treatment is an additional reason why credit card bonuses must be earned through spending, and why the required spending amount is larger than the bonus itself. If you spend $1,000 and get a bonus of $150 for doing so, you don't "come out ahead" — you've still made $850 in net purchases. You've saved some money, but you haven't made any money.
Contrast this with the bonuses you can sometimes earn for opening a checking or savings account at a particular bank. With these promotions, you do come out ahead. Follow the bank's rules (which usually involve depositing a certain amount and/or setting up direct deposit, among other things), and you get "free money." As such, it's usually taxable as interest.
• • •
Last updated on November 22, 2024
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
Frequently asked questions
How do credit card sign-up bonuses work?
A sign-up bonus is a promotion offered by a credit card issuer to entice you to apply for a card and begin using it regularly. The term "sign-up bonus" is a bit of a misnomer because in most cases you don't get the bonus just for signing up; you have to earn it by spending money. That's why some issuers use terms like "bonus offer," "welcome offer" or "new cardholder offer" rather than sign-up bonus.
Sign-up bonuses give you a lump sum of cash back or a large number of points or miles if you spend a certain amount using the card in a specified time period, usually the first few months after opening the account. After you complete the required spending, the bonus is applied to your account. Separate from that lump-sum bonus, or in addition to it, some credit card sign-up offers include a more valuable rewards structure for a limited time (such as a higher rewards rate in the first year) or a special perk for new cardholders (such as free hotel nights or one-time discounts).
Which credit card has the best sign up bonus?
The value of a sign-up bonus depends on the type of card. Travel credit cards and small-business credit cards tend to have the highest bonuses. Cards with annual fees typically offer higher sign-up bonuses. Cash-back bonuses are usually lower but easier to earn.
How much is a sign-up bonus?
Bonuses on popular credit cards can range in value from $25 to more than $1,000. As a general rule, new cardholders are required to complete a certain amount of spending on the new card before earning the bonus. With cards that award bonuses in points or miles, the values can differ widely.
Are sign-up bonuses paid upfront?
Not usually. Most bonuses have a spending requirement to earn the bonus, whether making a single purchase or spending hundreds or even thousands of dollars in the first few months of card ownership. The bonus is paid after the requirement is met.
What credit cards give you money for signing up?
As the name would suggest, cash-back credit cards usually pay their bonuses in cash, as opposed to points or miles. The “cash” might be in the form of a credit on your statement (which reduces the amount you owe), a deposit into a bank account, or even a mailed check.
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