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Best Credit Card Sign-Up Bonuses of April 2019

April 18, 2019
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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 — airline- and hotel-branded cards especially, but also general-purpose travel cards. Bonuses on cash-back credit cards generally hover in the range of $100 to $150, but several cards offer incentives of $200 or even more.

Below are NerdWallet’s best current bonus offers. Click on a card’s name to jump ahead for more details and an application link.

Jump to: Premium travel cards || General-purpose travel cards || Branded airline cards || Branded hotel cards || Cash-back cards || Small-business travel cards || Small-business cash-back cards

Premium travel credit cards

Chase Sapphire Reserve® Earn 50K 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®
The Platinum Card® from American Express Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms Apply.
For other options: See NerdWallet’s best premium credit cards

General-purpose travel credit cards

Barclaycard Arrival Plus® World Elite Mastercard® Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Chase Sapphire Preferred® Card 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®
Capital One® Venture® Rewards Credit Card Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
For other options: See NerdWallet’s best travel rewards credit cards

Branded airline credit cards

Gold Delta SkyMiles® Credit Card from American Express Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Terms Apply.
(NerdWallet values Delta SkyMiles at an average of 1.4 cents apiece for domestic travel.)
United℠ Explorer Card Limited time offer! Earn up to 60,000 Bonus Miles.
(NerdWallet values United MileagePlus miles at an average of 1.3 cents apiece for domestic travel.)
For other options: See NerdWallet’s best airline credit cards

Branded hotel credit cards

The World Of Hyatt Credit Card Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
(NerdWallet values Hyatt points at an average of 1.8 cents apiece for domestic stays.)
Marriott Bonvoy Boundless™ Credit Card Limited Time Offer! Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
(NerdWallet values Marriott points at an average of 0.8 cents apiece for domestic stays.)
IHG® Rewards Club Premier Credit Card Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening
(NerdWallet values IHG points at an average of 0.6 cents apiece for domestic stays.)
Hilton Honors American Express Ascend Card Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Terms Apply.
(NerdWallet values Hilton points at an average of 0.4 cents apiece for domestic stays.)
For other options: See NerdWallet’s best hotel credit cards

Cash-back credit cards

Capital One® Savor® Cash Rewards Credit Card Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Wells Fargo Cash Wise Visa® Card Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Bank of America® Cash Rewards credit card $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Blue Cash Preferred® Card from American Express $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.
Discover it® Cash Back Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Chase Freedom® Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Capital One® Quicksilver® Cash Rewards Credit Card One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
For other options: See NerdWallet’s best cash-back credit cards

Small-business travel credit cards

Ink Business Preferred℠ Credit Card Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
The Business Platinum® Card from American Express Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership. Terms Apply.
Capital One® Spark® Miles for Business Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
For other options: See NerdWallet’s best small-business credit cards

Small-business cash-back credit cards

Ink Business Unlimited℠ Credit Card Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Capital One® Spark® Cash for Business Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
For other options: See NerdWallet’s best small-business credit cards
Not sure which card is right for you? Let's find the one. Tell us what you most want your new card to do.

Find a breakdown of each card below:


Best bonuses: Premium travel credit cards
Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 720
    850
    Excellent
  • Card Details
  • Pros

    • A large bonus
    • High rewards rate
    • High value benefits
    • Cool factor - metal card
    • No foreign transaction fee

    Cons

    • High annual fee
    • Needs excellent credit

    Annual Fees

    $450

    APR

    • APR: 19.24% - 26.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn 50K 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®

    Intro APR

    • N/A
  • Additional Information
    • Earn 50,000 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®
    • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
    • Up to $100 application fee credit for Global Entry or TSA Pre✓®

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: Premium travel credit cards
The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)
    • High rewards rate in certain categories
    • No foreign transaction fees

    Cons

    • High annual fee
    • Airline fee credit is limited
    • Low rewards rate on most spending

    Annual Fees

    $550

    APR

    • Purchase: N/A

    Bonus Offers

    Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
    • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
    • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
    • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
    • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
    • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
    • $550 annual fee.
    • Terms Apply.

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: General-purpose travel credit cards
Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now on Barclays's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate on all purchases, not just bonus categories
    • Sign-up bonus
    • No foreign transaction fee

    Cons

    • Has annual fee
    • Minimum redemption required for travel

    Annual Fees

    $89 (waived first year)

    APR

    • APR: 18.24%, 22.24% or 25.24% variable based on your creditworthiness
    • Cash Advance APR: 27.49%, Variable

    Bonus Offers

    Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days

    Intro APR

    • 0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening
  • Additional Information
    • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
    • Earn unlimited 2X miles on every purchase
    • NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
    • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • No foreign transaction fees
    • International Chip and PIN for use at self-service chip terminals around the world
    • Miles don’t expire as long as your account is open, active and in good standing
    • View Rates and Fees

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: General-purpose travel credit cards
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • A large bonus
    • No foreign transaction fee
    • Cool factor - metal card
    • Earn more points on travel and dining at restaurants
    • Premium travel protection benefits

    Cons

    • $95 annual fee

    Annual Fees

    $95

    APR

    • APR: 18.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    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®

    Intro APR

    • N/A
  • Additional Information
    • 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®
    • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • 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
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: General-purpose travel credit cards
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • Flexible rewards redemption
    • No foreign transaction fee
    • Sign-up bonus

    Cons

    • Has annual fee
    • Redemption value for cash is half of value for travel
    • Requires good/excellent credit

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 17.99% - 25.24% Variable APR
    • Cash Advance APR: 25.24%, Variable

    Bonus Offers

    Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

    Intro APR

    • N/A
  • Additional Information
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $95 after that

MORE ABOUT THIS CARD

NerdWallet editorial review || Complete card details

Best bonuses: Branded airline credit cards
Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Free checked bag
    • Priority boarding
    • Miles don't expire

    Cons

    • Has annual fee
    • Best for frequent Delta Air Lines flyers only
    • American Express isn’t accepted as widely as Visa or Mastercard internationally

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 17.99% - 26.99% Variable APR
    • Penalty APR: 29.99%, Variable
    • Cash Advance APR: 27.49%, Variable

    Bonus Offers

    Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
    • Earn one mile for every eligible dollar you spend on purchases.
    • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
    • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
    • Enjoy a $0 introductory annual fee for the first year, then $95.
    • Terms apply.

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: Branded airline credit cards
United℠ Explorer Card

United℠ Explorer Card

United℠ Explorer Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Free checked bag and priority boarding
    • Two United Club passes annually
    • Miles don't expire as long as you're a cardholder

    Cons

    • Has annual fee
    • Checked bag fee waived for fewer traveling partners than competitors
    • Best for frequent United flyers only

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 18.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Limited time offer! Earn up to 60,000 Bonus Miles.

    Intro APR

    • N/A
  • Additional Information
    • Limited time offer! Earn up to 60,000 Bonus Miles.
    • $0 introductory annual fee for the first year, then $95.
    • Earn 2 miles per $1 spent at restaurants and on hotel stays
    • Up to $100 Global Entry or TSA Pre✓® Fee Credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: Branded hotel credit cards
The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $95

    APR

    • APR: 18.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points

    Intro APR

    • N/A
  • Additional Information
    • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
    • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
    • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
    • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
    • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
    • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
    • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

More about this card

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Best bonuses: Branded hotel credit cards
Marriott Bonvoy Boundless™ Credit Card

Marriott Bonvoy Boundless™ Credit Card

Marriott Bonvoy Boundless™ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $95

    APR

    • APR: 18.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Limited Time Offer! Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.

    Intro APR

    • N/A
  • Additional Information
    • Limited Time Offer! Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
    • New Name. New Look. Same Great Benefits. The Marriott Rewards Premier Plus card is now the Marriott Bonvoy Boundless™ card!
    • An additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn 6X Bonvoy points per $1 spent at over 6,700 participating Marriott Bonvoy hotels.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
    • 15 Elite Night Credits each calendar year.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: Branded hotel credit cards
Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $95

    APR

    • APR: 17.99% - 26.99% Variable APR
    • Penalty APR: 29.99%, Variable
    • Cash Advance APR: 27.49%, Variable

    Bonus Offers

    Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
    • 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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your 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.
    • $95 annual fee.
    • Terms Apply.

More about this card

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Best bonuses: Branded hotel credit cards
IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $89

    APR

    • APR: 18.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening

    Intro APR

    • N/A
  • Additional Information
    • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening
    • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
    • Earn 10 points per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

More about this card

NerdWallet editorial review || Complete card details

Best bonuses: Cash-back credit cards
Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Bonus cash back categories
    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 16.74% - 25.74% Variable APR
    • Cash Advance APR: 25.74%, Variable

    Bonus Offers

    Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

    Intro APR

    • N/A
  • Additional Information
    • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
    • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
    • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
    • 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
    • No foreign transaction fees
    • Capital One cardholders get access to premium experiences in dining, entertainment and more
    • $0 intro annual fee for the first year, $95 after that

More about this card

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Best bonuses: Cash-back credit cards
Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Apply Now on Wells Fargo's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • Sign-up bonus
    • Intro APR period on Purchases and Balance Transfers
    • Offers cell phone protection when bill is paid with card

    Cons

    • $25 minimum redemption
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 16.24% - 28.24% Variable APR

    Bonus Offers

    Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months

    Intro APR

    • 0% on Purchases and Balance Transfers for 12 months
  • Additional Information
    • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
    • Earn unlimited 1.5% cash rewards on purchases
    • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
    • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
    • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
    • $0 Annual Fee
    • Select "Apply Now" to learn more about the product features, terms, and conditions

More about this card

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Best bonuses: Cash-back credit cards
Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Apply Now on Bank of America's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Cash bonus offer
    • Cash rewards

    Cons

    • If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

    Annual Fees

    $0

    APR

    • APR: 16.24% - 26.24% Variable APR
    • Penalty APR: up to 29.99% APR

    Bonus Offers

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

    Intro APR

    • 0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days
  • Additional Information
    • No annual fee
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
    • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
    • Now earn 3% cash back in your choice category and 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
    • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
    • No expiration on rewards
    • 0% Introductory APR for 12 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 balance transfers
    • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

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Best bonuses: Cash-back credit cards
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Leading cash-back rewards at U.S. supermarkets
    • Bonus offer for new cardholders
    • Intro APR period on Purchases and Balance Transfers

    Cons

    • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • $25 minimum redemption

    Annual Fees

    $95

    APR

    • APR: 15.24% - 26.24% Variable APR
    • Penalty APR: 29.99%, Variable
    • Cash Advance APR: 27.49%, Variable

    Bonus Offers

    $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

    Intro APR

    • 0% on Purchases and Balance Transfers for 12 months
  • Additional Information
    • Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • 6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
    • 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
    • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
    • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
    • $95 annual fee.
    • Terms Apply.

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Best bonuses: Cash-back credit credit cards
Discover it® Cash Back

Discover it® Cash Back

Discover it® Cash Back

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Cash back match at the end of your first year
    • Bonus cash back categories
    • No annual fee
    • Intro APR period on Purchases and Balance Transfers

    Cons

    • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
    • If you value simplicity, a flat rate cash back card may be better

    Annual Fees

    $0

    APR

    • APR: 14.24% - 25.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

    Intro APR

    • 0% on Purchases and Balance Transfers for 14 months
  • Additional Information
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
    • No annual fee.
    • View Rates and Fees

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Best bonuses: Cash-back credit credit cards
Chase Freedom®

Chase Freedom®

Chase Freedom®

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • 5% rewards on rotating categories
    • Access to Chase’s Ultimate Rewards site to earn more cash back

    Cons

    • If you value simplicity, a flat rate cash back card may be better
    • A foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 17.24% - 25.99% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Intro APR

    • 0% on Purchases and Balance Transfers for 15 months
  • Additional Information
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Enjoy new 5% categories each quarter
    • Unlimited 1% cash back on all other purchases - it's automatic
    • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
    • Free credit score, updated weekly with Credit Journey℠
    • No annual fee

More about this card

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Best bonuses: Cash-back credit cards
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate and no minimum redemption
    • No annual fee or foreign transaction fee
    • Intro APR period on Purchases and Balance Transfers
    • Sign-up bonus

    Cons

    • Other cards have longer 0% periods
    • No bonus rewards categories
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 16.24% - 26.24% Variable APR
    • Cash Advance APR: 26.24%, Variable

    Bonus Offers

    One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

    Intro APR

    • 0% on Purchases and Balance Transfers for 15 months
  • Additional Information
    • One-time $150 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
    • 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 for 15 months; 16.24%-26.24% variable APR after that
    • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • Pay no annual fee or foreign transaction fees

More about this card

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Best bonuses: Small-business travel credit cards
Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $95

    APR

    • APR: 18.24% - 23.24% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

    Intro APR

    • N/A
  • Additional Information
    • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
    • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
    • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
    • No foreign transaction fees
    • Employee cards at no additional cost
    • $95 Annual Fee

More about this card

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Best bonuses: Small-business travel credit cards
The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate on certain travel purchases
    • No foreign transaction fee
    • Bonus offer for new cardholders
    • Lounge access, airline fee credit

    Cons

    • High annual fee
    • Other cards offer a higher rewards rate on non-travel spending
    • Complicated rewards structure
    • Requires good/excellent credit

    Annual Fees

    $595

    APR

    • Purchase: N/A

    Bonus Offers

    Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership. Terms Apply.

    Intro APR

    • N/A
  • Additional Information
    • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
    • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
    • Terms Apply

More about this card

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Best bonuses: Small-business travel credit cards
Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 19.24% Variable APR
    • Penalty APR: 31.65%, Variable
    • Cash Advance APR: 25.24%, Variable

    Bonus Offers

    Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

    Intro APR

    • N/A
  • Additional Information
    • Earn 2 miles per $1 on every purchase, everywhere
    • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
    • Fly on any airline, anytime, with no blackout dates or seat restrictions
    • $0 intro annual fee for the first year; $95 after that
    • $0 fraud liability if your card is lost or stolen
    • Free employee cards which also earn unlimited 2x miles from their purchases
    • No foreign transaction fees
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

More about this card

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Best bonuses: Small-business cash-back credit cards
Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • Intro APR period on Purchases

    Cons

    • Has foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 15.49% - 21.49% Variable APR
    • Cash Advance APR: 27.24%, Variable

    Bonus Offers

    Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

    Intro APR

    • 0% on Purchases for 12 months
  • Additional Information
    • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • 0% introductory APR for 12 months on purchases
    • Employee cards at no additional cost
    • No Annual Fee

More about this card

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Best bonuses: Small-business cash-back credit cards
Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 19.24% Variable APR
    • Penalty APR: 31.65%, Variable
    • Cash Advance APR: 25.24%, Variable

    Bonus Offers

    Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

    Intro APR

    • N/A
  • Additional Information
    • Earn unlimited 2% cash back for your business on every purchase, everywhere
    • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
    • $0 annual fee for the first year; $95 after that
    • $0 Fraud Liability if your card is lost or stolen
    • Free employee cards, which also earn unlimited 2% cash back on all purchases
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

More about this card

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Methodology

NerdWallet’s credit cards team selects cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and bonus offers; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to win in multiple categories.


To view rates and fees of the The Platinum Card® from American Express, please visit this page.

To view rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please visit this page.

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

To view rates and fees of the The Business Platinum® Card from American Express, please visit this page.