Best Credit Card Bonuses for New Cardholders of December 2024
Updated: Nov 18, 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.
Show 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.
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 | 70,000 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 |
 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 | 125,000 points | Apply Now on Chase's website on Chase'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 |
 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 |
 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: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Product Details
- Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Has annual fee
Requires good/excellent credit
BONUS OFFER: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
American Airlines
