BEST OF

Best Credit Card Bonuses for New Cardholders of August 2022

Aug 18, 2022

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Credit card bonus offers are a quick way to earn hundreds of dollars' worth of rewards by using a new credit card, but the best deals don't always stick around. The largest bonuses typically come from travel credit cards. Bonuses on cash-back credit cards generally hover in the range of $100 to $150, but several cards offer incentives of $200 or more. Cards are judged on the value of their bonuses, as well as their bonuses relative to their annual fees. Below are the best bonus offers currently available on NerdWallet. 

NerdWallet's Best Credit Card Bonuses for New Cardholders of August 2022

Best Credit Card Bonuses for New Cardholders From Our Partners

Our pick for

$200 cash back

Apply now

on Citibank's application

Citi Custom Cash℠ Card

4.7

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Pros

  • No annual fee

  • 5% bonus categories

  • Intro APR Period

Cons

  • Low rate outside bonus categories

  • Requires good/excellent credit

Read full review
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 16.24% - 26.24%, 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.

  • 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.

Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons

  • Requires good/excellent credit

  • Complicated rewards

Read full review
  • 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 Ultimate Rewards®, 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 16.49% - 25.24%.

  • 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.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified
Apply now

on Citibank's application

Citi® Double Cash Card – 18 month BT offer

4.9

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Pros

  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No bonus categories

Read full review
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.

  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Apply now

on American Express' website

Blue Cash Everyday® Card from American Express

4.9

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Bonus categories

Cons

  • Requires good/excellent credit

  • Spending caps on bonus rewards

Read full review
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • No Annual Fee.

  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.24% to 27.24% variable APR.

  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

  • New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

  • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.

  • Terms Apply.

  • View Rates & Fees
Apply now

on Bank of America's website, or call 877-754-6706

Bank of America® Customized Cash Rewards credit card

4.0

NerdWallet rating 
Apply now

on Bank of America's website, or call 877-754-6706

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.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

  • Relationship rewards for customers

Cons

  • Requires good/excellent credit

  • Complicated rewards

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Read full review
  • $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.

  • If you're a 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 no expiration on rewards.

  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • 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.

Apply now

on Capital One's website

Capital One Quicksilver Cash Rewards Credit Card

4.6

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

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

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

  • No bonus categories

Read full review
  • 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; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Apply now

on US Bank's website

U.S. Bank Cash+® Visa Signature® Card - NerdWallet Exclusive

4.3

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Pros

  • No annual fee

  • Bonus categories

  • High rewards rate

Cons

  • Complicated rewards

Read full review
  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 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/EV Charging Stations, Grocery Stores or Restaurants

  • 1% cash back on all other eligible purchases

  • 0% Intro APR on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR currently 16.74% - 26.74%

  • No Annual Fee

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

  • View Rates & Fees

Our pick for

$200 cash rewards bonus

Apply now

on Wells Fargo's website

Wells Fargo Active Cash® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

2%

Cashback

Intro offer

$200

Recommended Credit Score

BONUS OFFER: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

  • Earn unlimited 2% cash rewards on purchases

  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; 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

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Select “Apply Now” to learn more about the product features, terms and conditions

  • View Rates & Fees

Our pick for

Chase Ultimate Rewards® points

Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

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. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

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

Read full review
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • 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, 2024.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Up to $300 cash back

Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%-6.5%

Cashback

Intro offer

$300

Recommended Credit Score

BONUS OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! (NOTE that this offer is available when you apply through NerdWallet. If you apply directly with Chase or through another site, you may not be eligible for this offer.)

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

Read full review
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!

  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Capital One Miles

Apply now

on Capital One's website

Capital One Venture X Rewards Credit Card

4.9

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Pros

  • High rewards rate

  • New cardholder bonus offer

  • Lounge membership

  • Anniversary perk

  • Flexible rewards redemption

Cons

  • High annual fee

  • Requires excellent credit

Read full review
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options

  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary

  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel

  • Earn unlimited 2X miles on all other purchases

  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Our pick for

$350 statement credit

Apply now

on American Express' website

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Rewards rate

1%-6%

Cashback

Intro offer

$350

Recommended Credit Score

BONUS OFFER: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Pros

  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

Read full review
  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.24%-27.24%.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 Plan It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • 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 and 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.

  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.

  • $95 Annual Fee.

  • Terms Apply.

  • View Rates & Fees

Our pick for

American Express Membership Rewards

Apply now

on American Express' website

American Express® Gold Card

4.6

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$250

Rewards rate

1x-4x

Points

Intro offer

60,000

Points

Recommended Credit Score

BONUS OFFER: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

Pros

  • Bonus categories

  • Transfer partners

  • Flexible rewards redemption

Cons

  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

Read full review
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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 flights booked directly with airlines or on amextravel.com.

  • $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.

  • Updated $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.

  • Choose the color that suits your style. Gold or Rose Gold.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms Apply.

  • View Rates & Fees

Our pick for

Airline card

Apply now

on American Express' website

Delta SkyMiles® Gold American Express Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0 intro for the first year, then $99

Rewards rate

1x-2x

Miles

Intro offer

40,000

Miles

Recommended Credit Score

BONUS OFFER: Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Terms Apply.

Pros

  • Free checked bag

  • Early boarding

  • Rewards don't expire

Cons

  • Has annual fee

  • Requires good/excellent credit

Read full review
  • Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

  • Enjoy your first checked bag free on Delta flights.

  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.

  • Earn 1X Mile on all other eligible purchases.

  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.

  • Enjoy a $0 introductory Annual Fee for the first year, then $99.

  • Terms Apply.

  • View Rates & Fees

Our pick for

No-annual-fee travel points

Apply now

on US Bank's website

U.S. Bank Altitude® Go Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1x-4x

Points

Intro offer

20,000

Points

Recommended Credit Score

BONUS OFFER: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Intro APR period

Cons

  • Complicated rewards

Read full review
  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.

  • 4X points on dining, takeout, and restaurant delivery.

  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations

  • 1X point on all other eligible purchases.

  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24%.

  • No Annual Fee

  • Points never expire

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

  • View Rates & Fees

Our pick for

Hotel card

Apply now

on Chase's website

Marriott Bonvoy Boundless® Credit Card

4.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

2x-17x

Points

Intro offer

150,000

Points

Recommended Credit Score

BONUS OFFER: Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.

Pros

  • Anniversary perk

  • High rewards rate

  • Automatic elite status

Cons

  • Has annual fee

  • Rewards have limited flexibility

Read full review
  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.

  • Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

  • 2X Bonvoy points for every $1 spent on all other purchases.

  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.

  • No foreign transaction fees.

Our pick for

Cash back match

Apply now

on Discover's website, or call 800-347-0264

Discover it® Cash Back

4.9

NerdWallet rating 
Apply now

on Discover's website, or call 800-347-0264

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

BONUS OFFER: INTRO OFFER: Unlimited Cashback Match – 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.

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Read full review
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • Every $1 you earn in cash back is $1 you can redeem.

  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

  • Click "Apply Now" to see terms and conditions.

  • View Rates & Fees

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.

Last updated on August 18, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

Frequently asked questions