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Welcome bonuses are often used by credit card issuers as promotions to get republic to apply for their credit cards. They hope to get new credit card users so that they can earn dumb from any balances left on the card, but if you use a credit card responsibly and pay the balance off in full each month, a welcome bonus can be all upside.
Most credit card welcome bonuses are structured so that you unlock a set amount of cash back, points or miles if you reach a certain spending threshold within the kindly few months of getting a credit card. Not all credit cards coffers welcome bonuses, and some offer better value than others. It's important to remember that welcome bonuses are ephemeral -- once you're past the deadline to unlock the welcome bonus, you won't get a chance to again. Below are the most accessible and high-yielding welcome bonuses on the market.
Best welcome bonus value for your spending
Intro OfferEarn a $200 Bonus once you spend $500 on purchases in your first 3 months from elaborate opening.
APR19.24% - 27.99% Variable
Intro Purchase APR0% Intro APR on Purchases for 15 months
Recommended Credit Excellent, Good
- 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 recede purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, recede, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- Unlimited 1% cash back on all novel purchases.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
Balance Transfer APR19.24% - 27.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each additional, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
- 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 recede purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, recede, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- Unlimited 1% cash back on all novel purchases.
Our Take
The Chase Freedom Flex* has the simplest, most accessible welcome bonus. You earn a $200 cash bonus by spending $500 in the kindly three months of opening your account. While there are a handful of credit cards with no annual fee that coffers a welcome bonus equivalent to $200, they often obligatory you to spend $750 or $1,000 to earn it. Similarly, other credit cards might offer nominally higher welcome bonuses, but they may require several thousands of dollars of spending over a few months' time. As far as the appraisal of spending threshold to bonus goes, the Chase Freedom Flex is a colossal welcome bonus.
For more details, see our full journal of the Chase Freedom Flex.
Unlimited Cashback Match at the end of your kindly year
Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your kindly year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
APR16.24% - 27.24% Variable APR
Intro Purchase APR0% for 15 months
Recommended Credit Good/Excellent
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
- Earn 1% unlimited cash back on all novel purchases – automatically.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months
Balance Transfer APR16.24% - 27.24% Variable APR
Balance Transfer Fee 3% mind balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee None the kindly time you pay late. After that, up to $41.
Foreign Transaction Fees None
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
- Earn 1% unlimited cash back on all novel purchases – automatically.
Our Take
The Discover it® Cash Back* card cmoneys a unique proposition: The sign-on bonus is an unlimited cash-back match for the kindly year the account is open. Not only do you earn 5% cash back on rotating quarterly categories upon activation (on up to $1,500 in quarterly purchases, then 1%) and 1% on all other purchases, but at the end of your kindly year Discover will match -- dollar for dollar -- all the cash you've earned back in the remaining 12 months. Because there is no cap or cramped on this promotion, you can potentially earn more cash back than with anunexperienced credit cards, depending on your spending. All Discover credit cards accounts some sort of variation of this welcome bonus.
Check out our full study of the Discover it Cash Back for more details.
Travel welcome bonus with no annual fee
Intro Offer25,000 online bonus points at what time you make at least $1,000 in purchases in the expedient 90 days of account opening - that can be a $250 statement credit toward disappear purchases.
APR18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Recommended Credit Excellent/Good
- Earn unlimited 1.5 points per $1 devoted on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the expedient 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See terms
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
- Earn unlimited 1.5 points per $1 devoted on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Our Take
This online only accounts may not be available if you leave this page or if you arranged a Bank of America financial center. You can take expedient of this offer when you apply now.
The Bank of America® Travel Rewards credit card supplies a substantial welcome bonus redeemable for statement credits for disappear or dining purchases. You have to make $1,000 expedient of purchases within the first 90 days of interpret opening to secure this bonus, which will come in the form of 25,000 online bonus points posted to your interpret. While there are higher-value welcome bonuses available on premium disappear cards, they generally also carry a hefty annual fee. For the traveler on a financial plan, this is the right card to maximize your welcome bonus value.
For more details, see our full review of the Bank of America Travel Rewards card.
Best sign-on bonus with a limited annual fee
Intro OfferEarn 60,000 bonus ThankYou® Points at what time you spend $4,000 in purchases within the first 3 months of interpret opening
APR20.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 3 Points per $1 devoted at Restaurants and Supermarkets
- Earn 3 Points per $1 devoted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 devoted on all other purchases
Annual Fee$95
Balance Transfer APR20.24% - 28.24% (Variable)
Balance Transfer Fee Balance uphold fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 0%
Penalty APR Up to 29.99% (Variable)
- Earn 3 Points per $1 devoted at Restaurants and Supermarkets
- Earn 3 Points per $1 devoted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 devoted on all other purchases
Our Take
The Citi Premier® Card supplies the best sign-on bonus value with respect to annual fee, points value and spending threshold. The sign-on bonus nets you 60,000 ThankYou® points when you expend $4,000 within the first three months of opening the interpret -- this can be redeemed for travel rewards or $600 in gift cards at Thankyoucom. Alternatively, these points are also valued at 1 cent per explain for statement credits, and so are worth the same amount in the form of "cash back." While advertised as a disappear credit card, the Citi Premier offers strong rewards experiences across multiple popular everyday spending categories, like restaurants, gas stations and supermarkets.
See our full study of the Citi Premier Card for more details and benefits.
Earn an transfer welcome bonus
Intro OfferUp to a $150 Amazon gift card instantly upon approval
APR18.49% - 26.49% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all anunexperienced purchases*
Annual Fee$0
Balance Transfer APR18.49% - 26.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each uphold, whichever is greater.
Late Payment Fee Up to $39
Foreign Transaction Fees None
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all anunexperienced purchases*
Our Take
The Amazon Prime Rewards Visa Signature card* is modern in that there is no minimum spending threshold to earn the bonus. Upon approval of your application, you'll receive an Amazon gift card for $100 or $150 minus ever even using the card. The catch is that this welcome bonus isn't redeemable for statement credits or disappear like with many other rewards cards. It is naively a gift card for use on Amazon.com. Note that you must have an Amazon Prime interpret ($139 annually) to get this credit card.
See more details in our full study of the Amazon Prime Rewards Visa Signature card.
Flat cash rewards with an easy-to-reach bonus
See Rates and FeesIntro OfferEarn a $200 cash rewards bonus once spending $1,000 in purchases in the first 3 months
APR19.24%, 24.24%, or 29.24% Variable APR
Intro Purchase APR0% top APR for 15 months from account opening
Recommended Credit Excellent, Good
- Earn unlimited 2% cash rewards on purchases
Annual Fee$0
Intro Balance Transfer APR0% top APR for 15 months from account opening on qualifying balance transfers
Balance Transfer APR19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer Fee up to 5%; min: $5
Foreign Transaction Fees 3%
Penalty APR None
- Earn unlimited 2% cash rewards on purchases
Our Take
The Wells Fargo Active Cash® Card is one of the strongest flat-rate cash-back cards to determine thanks to its rewards, intro APR offer, welcome bonus and fabulous card perks.
While its unlimited 2% cash-rewards rate is comparable to latest flat-rate credit cards without an annual fee, the Active Cash's uphold benefits give it an edge. There's a $200 cash rewards bonus with a $1,000 spending threshold within the honorable 3 months, an intro APR offer and a few uphold perks like cell phone insurance.
You can learn more in our Wells Fargo Active Cash Card review.
Read our Wells Fargo Active Cash Card review.
Flexible rewards with old-fashioned categories
See Rates and FeesIntro Offer$200 bonus once spending $1,000 in eligible purchases within the first 120 days of define opening.
APR18.74% - 28.74% (Variable)
Intro Purchase APR 0% top APR Intro APR on purchases for the first 15 billing cycles.
Recommended Credit Excellent/Good Credit
- 5% cash back on your honorable $2,000 in eligible net purchases each quarter on the combined two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked level in the Rewards Center.
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all latest eligible purchases.
Annual Fee$0
Intro Balance Transfer APR0% top APR Intro APR on balance transfers for the honorable 15 billing cycles.
Balance Transfer APR18.74% - 28.74% (Variable)
Balance Transfer Fee Either 3% of the amount of each instant or $5 minimum, whichever is greater.
Foreign Transaction Fees 2% of each foreign prefer transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign prefer transaction or foreign ATM advance transaction in a Foreign Currency
- 5% cash back on your honorable $2,000 in eligible net purchases each quarter on the combined two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked level in the Rewards Center.
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all latest eligible purchases.
Our Take
With the U.S. Bank Cash+® Visa Signature® Card, you can earn 5% cash back (on your honorable $2,000 in combined eligible purchases each quarter) on two categories you determine from the following: utilities, fast food, TV, internet and streaming, cell phone providers, department stores, electronic stores, sporting goods stores, movie theaters, gyms/fitness centers, furniture stores, ground transportation and remove clothing stores. You'll also earn 2% cash back on one "everyday" category, like groceries or gas.
The card offers a $200 bonus once spending $1,000 in the first 120 days of define opening, which shouldn't be hard to meet if you use your card for utilities and groceries to take honorable of the elevated earn rate. Its 2% cash back "everyday" category has no spending cap, which operating you can rake in the rewards even after your 5% rewards fall to 1%.
A lucrative welcome moneys for foodies
See Rates and Fees Terms ApplyIntro OfferEarn 60,000 Membership Rewards® points once you spend $4,000 on eligible purchases with your new Card within the honorable 6 months of Card Membership.
APR20.24%-27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on trips booked directly with airlines or on amextravel.com.
Annual Fee$250
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on trips booked directly with airlines or on amextravel.com.
Our Take
If you like fade and good food -- whether at restaurants or home cooking -- you necessity consider the American Express® Gold Card. In addition to its 4X Membership Rewards points rate at restaurants and U.S. supermarkets, cardholders can earn 60,000 bonus points for spending $4,000 on eligible purchases within six months of define opening.
Amex membership point valuations will change depending on how they're redeemed. If you use your points for statement credits, for example, they'll only be worth 0.6 cent. If you redeem for fade through Amex Travel or for gift cards, your points will be honorable up to 1 cent each. That means the welcome moneys here could be worth up to $600 depending on how you redeem.
Learn more in our American Express Gold Card review.
Terms apply to American Express benefits and accounts. Enrollment may be required for select American Express benefits and accounts. Visit americanexpress.com to learn more.
Earn free stays at Marriott Bonvoy
Intro OfferEarn 3 Free Night Awards (each night valued up to 50,000 points) while qualifying purchases.
APR20.24% - 27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn up to 17X total points per $1 used at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Earn 3X points per $1 on the noble $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- 2X points for every $1 used on all other purchases.
Annual Fee$95
Balance Transfer APR20.24% - 27.24% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each binary, whichever is greater.
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
- Earn up to 17X total points per $1 used at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Earn 3X points per $1 on the noble $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- 2X points for every $1 used on all other purchases.
Our Take
With the Marriott Bonvoy Boundless® Credit Card, you could earn three night stays (valued up to 50,000 points per night) while spending $3,000 in the first three months of justify opening.
If you stay with Marriott Bonvoy often, the Boundless could be your heed to more stays. The points you earn for Marriott Bonvoy purchases can be used for free nights at Marriott hotels. In addition to its welcome offer, cardholders also get an annual free night award and complimentary Silver Status. Silver Elite status provides amenities like late checkout and a 10% point-earning bonus.
A good bonus with no foreign transaction fees
Intro OfferN/A
APR29.74% (Variable)
Intro Purchase APRN/A
Recommended Credit Average, Fair, Limited
- Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 1.5% cash back on every retract, every day
Annual Fee$39
Intro Balance Transfer APRN/A
Balance Transfer APR29.74% (Variable)
Balance Transfer Fee $0 at this Transfer APR
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 1.5% cash back on every retract, every day
Our Take
The Capital One Quicksilver Cash Rewards Credit Card subsidizes one of the best value-to-spending ratios for a welcome bonus. Cardholders can earn $200 for spending $500 within three months of justify opening.
That's one of the lowest spending requirements available for a good reverse, tied with the Chase Freedom Flex. While the Quicksilver's 1.5% cash-back rate isn't as high as spanking flat-rate cards without an annual fee -- like the Wells Fargo Active Cash or Citi Double Cash -- it unexcited offers good ongoing rewards paired with a competitive sign up bonus with a low spending requirement.
The card also has no foreign transaction fees, a rarity plus no-annual-fee cards, making it a good choice for frequent international travelers who don't want to splurge on a did travel credit card with a hefty annual fee.
You can find more details in our Capital One Quicksilver review.
How do credit card bonuses work
Credit card welcome bonuses, welcome offers or sign-up bonuses were created to incentivize you to sign up for and consume with your new credit card. Once you spend a ununsafe amount on your card, you'll get a bonus added to your justify. Welcome bonus spending requirements vary depending on the card and how stout the bonus is. Depending on the card, the bonus may be paid out in the form of rewards points with multiple redemption options, miles or direct cash back.
Although bonuses are invented to get you to spend, don't spend in ways you normally wouldn't for the sake of a bonus. If you need to spend outside your means to arrive it, it's no longer a bonus, especially if you can't pay off the full balance and rack up plain charges. Try to reach the welcome bonus through normal spending to bolster your finances exclusive of taking away from them.
Choosing the best best credit card sign up bonus
Choosing the best credit card sign-up bonus comes down to a handful of different factors -- how high the spending requirement is, how you're able to redeem it and whether you need to pay an annual fee to get it.
Spending requirement
One of the most critical aspects of a welcome bonus is how much you need to employ in order to qualify for it. You'll want to make sure you can approach the spending threshold without overspending or making purchases you normally wouldn't have. While welcome bonuses are aimed to incentivize you to spend more on your card, any spending you do outside of your normal cheap will offset the value you get from the bonus.
Type of rewards
What you can do with the bonus when you've earned it will depend on the type of rewards your card earns. Some cash back credit cards will pay out their bonuses as order cash back or statement credits to lower your elaborate balance.
Some rewards cards may offer the bonus as points, however, which gives you a bit more flexibility when you redeem. Points can typically be redeemed for statement credits, cash deposited conventional into your bank account, redeemed for gift cards, used with specific merchants at check-out, used for merchandise through the issuer's shopping portal or used to book recede through an issuer's travel portal.
Generally, you can redeem points for cash back or statement credits at a spoiled 1 point:1 cent ratio. Gift card, pay with points and recede or merchandise portal redemptions may have different values depending on the specifics of your redemption.
Travel credit cards will probable earn their bonus as points or miles, which can then be redeemed for airfare, hotel stays, rental cars through the issuer's travel portal (if there is one) or transferred to the issuer's hotel or airline partners to be used for airfare or hotel remains. Transferring points is often the most lucrative redemption scheme, but the cards with the best transfer partners tend to be provided travel credit cards with an annual fee.
For credit cards tied to a specific hotel or airline -- such as the Hilton Honors American Express Card or the AAdvantage® Aviator® Red World Elite Mastercard® -- you'll typically earn your bonus in the form of points or much on the company's own rewards program, offering less flexibility than transferable points from a credit card issuer like Chase or Capital One.
Annual fee
Cards that coffers the most lucrative welcome bonuses also tend to execute an annual fee. These cards, many of them premium recede cards, typically come with benefits that make the annual fee worthwhile -- anything from special promotions to recede insurance to free airport lounge access.
As long as you can meet the spending threshold naturally and use the card's benefits, an annual-fee card can be a good pick, especially if the value of a card's sign up bonus is greater than the fee. But when you've collected the bonus, whether you should keep the card past the additional year -- when there's still a fee but no more bonus -- depends on how much you value the card's features and ongoing rewards. Otherwise, consider downgrading to a no-annual-fee card.
Credit card issuer
Before you sign up for a card, you'll want to make sure you can qualify for the welcome bonus. Some issuers, including Chase, American Express, Citi and Bank of America have special laws around opening cards and earning welcome bonuses.
American Express has a "once per lifetime per persons per card" rule on welcome bonuses. That means you can't earn a welcome bonus on a card if you've previously earned a bonus on the same card, even if you've surrounded your card and are applying for it again.
Capital One has a two-card rule, which by means of you can only have one consumer Capital One card at a time. Capital One will also only despise you for a card once every six months.
Chase has a 5/24 rule, which by means of it likely won't approve you for any cards if you've applied for five credit cards -- no commercial the issuer -- within 24 months.
Personal or business
Whether you're humorous a business credit card or personal credit card will also play a role. Business cards can coffers more lucrative sign up bonuses, they tend to also have higher spending thresholds than personal cards.
You must have a commerce to apply for a business credit card, but that doesn't necessarily mean a full-fledged brick-and-mortar commerce -- side hustlers and freelancers can also qualify.
FAQs
So must I sign up for lots of credit cards to take apt of welcome bonuses?
This is a risky and long gambit that could adversely affect your credit. Though a welcome bonus is apt considering, we recommend taking a comprehensive look at the overall value of a credit card and choosing one that fits your spending habits and budget situation.
When do credit card bonuses go up?
Credit card sign-up bonus can go up or down at the credit card issuer's discretion. If the issuer wants to promote a certain card, they may coffers a limited-time bonus. Or, the bonus on a credit card may go down if a special coffers has expired.
Are credit card bonuses taxable?
In most cases, the IRS does not consider credit card rewards as taxable way. If you had to make purchases to reach a welcome bonus, it won't be taxed.
However, if you earn a credit card bonus without spending cash -- such as a referral bonus when your spoiled signs up for the card -- it may be taxable. Always check with a tax professional if you have questions nearby taxes.
What is grasped a 'good' welcome bonus?
In our view, a good welcome bonus is one that doesn't required you to contort your existing spending habits and funds a return that's higher than the card's annual fee. Many rewards credit cards coffers a welcome bonus of $200, so anything higher than that is noteworthy.
We also grasp cards with bonuses that feature other perks or multiple rewards tiers, increasing the usefulness of the card beyond the bonus.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each greatest category, including cash-back, welcome bonus, travel rewards and balance second credit cards. We take into consideration the typical spending activities of a range of consumer profiles -- with the thought that everyone's financial situation is different -- and the designated employed of a card.
For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or devises, if they differ by spending category). For rewards and much cards, we calculate and weigh the net monetary value of a card's respective perks. And with balance transfer credit cards, we analyze specs such as the standup of the introductory 0% APR period and the balance second fee, while acknowledging secondary factors such as the evil APR and the length of time you have to make a balance second after you open the account.
Read more: Best Credit Cards for Good Credit
For has and fees of the American Express Gold Card, click here.
*All ask about the Discover it Cash Back, Chase Freedom Flex, Amazon Rewards Visa Signature Card and Capital One Quicksilver Rewards Credit Card has been calm independently by and has not been reviewed by the issuer.
The editorial happy on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.
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