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Best Credit Card Bonuses for New Cardholders of December 2024

Updated: Nov 18, 2024
Jae Bratton
Written by
Lead Writer
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
Jae Bratton
Written by
Lead Writer
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
+ 1 more
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Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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.

  • 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.

  • 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

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Best Credit Card Bonuses for New Cardholders From Our Partners

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Chase Sapphire Preferred® Card ImageChase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
Best for Chase Ultimate Rewards® points

$95

1x-5x

Points
60,000
points
Apply Now
on Chase's website
on Chase's website
Wells Fargo Active Cash® Card ImageWells Fargo Active Cash® Card
Best for Flat-rate cash back

$0

2%

Cashback
$200
Citi Strata Premier℠ Card ImageCiti Strata Premier℠ Card
Best for 3X in multiple categories

$95

1x-10x

Points
70,000
points
Capital One Venture Rewards Credit Card ImageCapital One Venture Rewards Credit Card
Best for Capital One Miles

$95

2x-5x

Miles
75,000
miles
Blue Cash Preferred® Card from American Express ImageBlue Cash Preferred® Card from American Express
Best for Families & households

$0 intro annual fee for the first year, then $95.

1%-6%

Cashback
$250
Chase Freedom Flex® ImageChase Freedom Flex®
Apply Now
on Chase's website
on Chase's website
Best for Quarterly categories + cash bonus

$0

1%-5%

Cashback
$200
Apply Now
on Chase's website
on Chase's website
U.S. Bank Cash+® Visa Signature® Card ImageU.S. Bank Cash+® Visa Signature® Card
Best for Wide selection of categories

$0

1%-5%

Cashback
$200
Citi Custom Cash® Card ImageCiti Custom Cash® Card
Best for Automatic 5% rewards

$0

1%-5%

Cashback
$200
American Express® Gold Card ImageAmerican Express® Gold Card
Best for American Express Membership Rewards

$325

1x-4x

Points
60,000
points
Discover it® Cash Back ImageDiscover it® Cash Back
Best for Cash back match

$0

1%-5%

Cashback
Cashback Match™
Bank of America® Customized Cash Rewards credit card ImageBank of America® Customized Cash Rewards credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Adjustable 3% categories

$0

1%-3%

Cashback
$200
Apply Now
on Bank of America's website
on Bank of America's website
U.S. Bank Shopper Cash Rewards® Visa Signature® Card ImageU.S. Bank Shopper Cash Rewards® Visa Signature® Card
Best for Big-box shoppers

$0 intro for the first year, then $95

1.5%-6%

Cashback
$250
Capital One Quicksilver Cash Rewards Credit Card ImageCapital One Quicksilver Cash Rewards Credit Card
Best for Simplicity + 0% APR offer

$0

1.5%-5%

Cashback
$200
Hilton Honors American Express Surpass® Card ImageHilton Honors American Express Surpass® Card
Best for Hilton Hotels

$150

3x-12x

Points
165,000
points
Wells Fargo Autograph℠ Card ImageWells Fargo Autograph℠ Card
Best for No-annual-fee travel points

$0

1x-3x

Points
20,000
points
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® ImageCiti® / AAdvantage® Platinum Select® World Elite Mastercard®
Best for American Airlines

$0 intro for the first year, then $99

1x-2x

Miles
50,000
miles
Alaska Airlines Visa Signature® credit card ImageAlaska Airlines Visa Signature® credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Alaska Airlines

$95

1x-3x

Miles
60,000
miles
Apply Now
on Bank of America's website
on Bank of America's website
IHG One Rewards Premier Credit Card ImageIHG One Rewards Premier Credit Card
Apply Now
on Chase's website
on Chase's website
Best for IHG Hotels

$99

1x-26x

Points
140,000
points
Apply Now
on Chase's website
on Chase's website
Marriott Bonvoy Boundless® Credit Card ImageMarriott Bonvoy Boundless® Credit Card
Apply Now
on Chase's website
on Chase's website
Best for Marriott Bonvoy Hotels

$95

2x-17x

Points
125,000
points
Apply Now
on Chase's website
on Chase's website
United℠ Explorer Card ImageUnited℠ Explorer Card
Apply Now
on Chase's website
on Chase's website
Best for United Airlines

$0 intro for the first year, then $95

1x-2x

Miles
60,000
miles
Apply Now
on Chase's website
on Chase's website
World of Hyatt Credit Card ImageWorld of Hyatt Credit Card
Apply Now
on Chase's website
on Chase's website
Best for World of Hyatt

$95

1x-9x

Points
Up to 60,000 Points
Apply Now
on Chase's website
on Chase's website
Delta SkyMiles® Reserve American Express Card ImageDelta SkyMiles® Reserve American Express Card
Best for Delta Air Lines

$650

1x-3x

Miles
70,000
miles
Southwest Rapid Rewards® Priority Credit Card ImageSouthwest Rapid Rewards® Priority Credit Card
Apply Now
on Chase's website
on Chase's website
Best for Southwest Airlines

$149

1x-3x

Points
$400 Credit + 40,000 Points
Apply Now
on Chase's website
on Chase's website
save money

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.

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.

Our pick for

Chase Ultimate Rewards® points

Chase Sapphire Preferred® Card card image
Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
60,000
Points
Recommended Credit Score

BONUS OFFER: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Pros
  • New cardholder bonus offer

  • Bonus categories

  • Primary rental car coverage

  • Flexible rewards redemption

  • Transfer partners

Cons
  • Has annual fee

  • Requires good/excellent credit

  • Complicated rewards

Why We Like It

BONUS OFFER: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Our pick for

Flat-rate cash back

Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200
Recommended Credit Score

BONUS OFFER: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

  • 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

Pros
  • High rewards rate

  • No annual fee

  • Intro APR period

Cons
  • No bonus categories

Why We Like It

BONUS OFFER: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Our pick for

3X in multiple categories

Annual fee
$95
Rewards rate
1x-10x
Points
Intro offer
70,000
Points
Recommended Credit Score

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

  • 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

Pros
  • 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

Cons
  • Has annual fee

  • Requires good/excellent credit

Why We Like It

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

Our pick for

Capital One Miles

Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score

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.

  • 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

Pros
  • High rewards rate

  • Flexible rewards redemption

Cons
  • Has annual fee

  • Requires good/excellent credit

Why We Like It

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.

Our pick for

Families & households

Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended Credit Score

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.

  • 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

Pros
  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons
  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

Why We Like It

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.

Our pick for

Quarterly categories + cash bonus

Chase Freedom Flex® card image
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

BONUS OFFER: This card offers a competitive cash bonus for hitting a spending threshold that most households should be able to reach fairly easily.

  • 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

Pros
  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons
  • Requires good/excellent credit

  • Complicated rewards

Why We Like It

BONUS OFFER: This card offers a competitive cash bonus for hitting a spending threshold that most households should be able to reach fairly easily.

Our pick for

Wide selection of categories

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

BONUS OFFER: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.

  • $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

Pros
  • No annual fee

  • Bonus categories

  • High rewards rate

Cons
  • Complicated rewards

Why We Like It

BONUS OFFER: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.

Our pick for

Automatic 5% rewards

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

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.

  • 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

Pros
  • No annual fee

  • 5% bonus categories

  • Intro APR Period

Cons
  • Low rate outside bonus categories

Why We Like It

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.

Our pick for

American Express Membership Rewards

Annual fee
$325
Rewards rate
1x-4x
Points
Intro offer
60,000
Points
Recommended Credit Score

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.

  • 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

Pros
  • Bonus categories

  • Transfer partners

  • Flexible rewards redemption

Cons
  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

Why We Like It

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.

Our pick for

Cash back match

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score

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.

  • 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

Pros
  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons
  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Why We Like It

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.

Our pick for

Adjustable 3% categories

Bank of America® Customized Cash Rewards credit card card image
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended Credit Score

BONUS OFFER: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

  • $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.

Pros
  • No annual fee

  • New cardholder bonus offer

  • Rotating bonus categories

  • Relationship rewards for customers

  • Intro APR period

Cons
  • Requires good/excellent credit

  • Complicated rewards

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Why We Like It

BONUS OFFER: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Our pick for

Big-box shoppers

Annual fee
$0 intro for the first year, then $95
Rewards rate
1.5%-6%
Cashback
Intro offer
$250
Recommended Credit Score

BONUS OFFER: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

  • 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

Pros
  • High rewards rate

  • Bonus categories

  • New cardholder bonus offer

Cons
  • Has annual fee

  • Complicated rewards

Why We Like It

BONUS OFFER: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

Our pick for

Simplicity + 0% APR offer

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended Credit Score

BONUS OFFER: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • 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

Pros
  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons
  • Requires good/excellent credit

  • No bonus categories

Why We Like It

BONUS OFFER: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Our pick for

Hilton Hotels

Annual fee
$150
Rewards rate
3x-12x
Points
Intro offer
165,000
Points
Recommended Credit Score

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.

  • 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

Pros
  • High rewards rate

  • Automatic elite status

  • Luxury perks

Cons
  • Has annual fee

  • No free anniversary night

Why We Like It

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.

Our pick for

No-annual-fee travel points

Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
Points
Recommended Credit Score

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.

  • 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

Pros
  • No annual fee

  • Bonus categories

  • No reward caps

  • Cell phone insurance

  • New cardholder bonus offer

Cons
  • No free checked bags

  • No free anniversary night

  • No luxury perks

  • Requires good/excellent credit

Why We Like It

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.

Our pick for

American Airlines

Annual fee
$0 intro for the first year, then $99
Rewards rate
1x-2x
Miles
Intro offer
50,000
Miles
Recommended Credit Score