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10 Great Cash Back Cards With a Welcome Bonus of October 2026
October, 2026A cash back card with a welcome bonus gives you a head start on rewards. Compare the bonus, the spending requirement and how the card earns cash back after that.
Read MoreShow Less
How to compare cash back cards with a welcome bonus
Check the spending requirement. Make sure you can meet it with purchases you'd make anyway.
Think long term. The ongoing cash back rate matters more than the bonus over time.
Watch the annual fee. A bigger bonus doesn't always make up for a yearly fee.
Our pick for: Welcome bonus + rotating bonus categories
Annual fee$0Rewards rate1%-5%CashbackIntro offer$250Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.49%-27.99% Variable APRRewards breakdown
5%Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.5%Cash back on travel purchased through Chase Travel℠.1%Cash back on all other purchases.Card details
- Limited Time Offer! Earn a $250 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!
- New Benefit! Earn rewards worldwide with no foreign transaction fees
- 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
- 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
- View Rates & Fees
NerdWallet's take
The Chase Freedom Flex® rewards people who like to track categories, with high cash back in a rotating lineup. The bonus gives you a head start, and the cash back keeps coming.
Read full reviewProsWelcome offer: A cash bonus when you meet the spending requirement in the first 3 months.
Earns bonus cash back in categories that rotate each quarter (activation required), plus extra on travel booked through Chase, dining and drugstores.
No minimum to redeem cash back.
Annual fee: $0.
ConsYou have to activate the bonus categories each quarter, and bonus earnings are capped.
Our pick for: Welcome bonus + choose-your-category cash back
Apply Nowon Bank of America's websiteon Bank of America's websiteAnnual fee$0Rewards rate1%-6%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRRewards breakdown
6%Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).3%Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).2%Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).1%Cash back on all other purchases.Card details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. It's a good pick if you can meet the spending requirement with regular purchases.
Read full reviewProsWelcome offer: A cash rewards bonus when you meet the spending requirement in the first 90 days.
Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.
Bank of America Rewards members can earn more cash back.
Annual fee: $0.
ConsBonus cash back is capped each quarter.
Our pick for: Welcome bonus + flat-rate cash back
Apply Nowon Bank of America's websiteon Bank of America's websiteAnnual fee$0Rewards rate1.5%CashbackIntro offer$250Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRRewards breakdown
1.5%Cash back on all purchases.Card details
- Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
- No annual fee.
- Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Unlimited Cash Rewards credit card keeps rewards simple, with the same cash back rate on everything. You get a reward up front and steady cash back after.
Read full reviewProsWelcome offer: A cash rewards bonus when you meet the spending requirement in the first 90 days.
Earns unlimited flat-rate cash back on every purchase, and rewards don't expire while your account is open.
Bank of America Rewards members can earn more cash back.
Annual fee: $0.
ConsNo bonus categories.
The highest rewards rates require Bank of America Rewards status.
Our pick for: Welcome bonus + cash back on everything
Annual fee$0Rewards rate2%-5%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Balance transfer intro APR0% intro APR on balance transfers for 18 monthsRegular APR18.49%-28.74% Variable APRRewards breakdown
2%Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.Card details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, 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).
- View Rates & Fees
NerdWallet's take
The Citi Double Cash® Card earns a strong flat rate on everything without any categories. The bonus gives you a head start, and the cash back keeps coming.
Read full reviewProsWelcome offer: A cash back bonus when you meet the spending requirement in the first 6 months.
Earns cash back on every purchase: once when you buy and again as you pay.
Annual fee: $0.
ConsOur pick for: Welcome bonus + everyday cash back
Apply Nowon American Express' websiteon American Express' websiteAnnual fee$0Rewards rate1%-3%CashbackIntro offerAs High as $200 cash back. Find Out Your Offer.Recommended creditGood - ExcellentPurchase intro APR0% intro APR on purchases for 15 months from the date of account openingBalance transfer intro APR0% intro APR on balance transfers for 15 months from the date of account openingAPR19.74%-28.74% Variable APRRewards breakdown
3%Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).3%Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).3%Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).1%Cash Back on other purchases.Card details
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express pays extra where many households spend most: groceries, online shopping and gas. It's a good pick if you can meet the spending requirement with regular purchases.
Read full reviewProsWelcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.
Earns bonus cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, up to an annual cap.
A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.
Annual fee: $0.
ConsAmerican Express isn't accepted at as many merchants as Visa or Mastercard.
Bonus cash back is capped each year.
Our pick for: Welcome bonus + all-around cash back
Annual fee$0Rewards rate1.5%-5%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.49%-27.99% Variable APRRewards breakdown
5%Cash back on travel purchased through Chase Travel℠.3%Cash back on drugstore purchases.3%Cash back on dining at restaurants, including takeout and eligible delivery services.1.5%Cash back on all other purchases.Card details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 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 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
- 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, alerts, and more.
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Chase Freedom Unlimited® is an easy everyday card: no categories to track, with a few bonus areas. You get a reward up front and steady cash back after.
Read full reviewProsWelcome offer: A cash bonus when you meet the spending requirement in the first 3 months.
Earns cash back on every purchase, with more on travel booked through Chase, dining and drugstores.
No minimum to redeem cash back.
Annual fee: $0.
ConsForeign transaction fee: 3% of each transaction in U.S. dollars
Our pick for: Welcome bonus + quarterly cash back + first-year match
Annual fee$0Rewards rate1%-5%CashbackIntro offerCashback Match™ + $200 Statement CreditRecommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.74%-28.74% Variable APRRewards breakdown
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.1%Cash back on all other purchases.Card details
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% to 28.74% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
- UNLIMITED CASHBACK MATCH: 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 cash back for any amount. No annual fee
- Terms and conditions apply
- View Rates & Fees
NerdWallet's take
The Discover it® Cash Back can effectively double your first year of cash back with its automatic match. The bonus gives you a head start, and the cash back keeps coming.
Read full reviewProsWelcome offer: Discover automatically matches all the cash back you earn in your first year.
Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.
Redeem cash back for any amount.
Annual fee: $0.
ConsBonus categories are capped each quarter.
Discover isn't accepted as widely outside the U.S.
Our pick for: Welcome bonus + dining, entertainment and grocery cash back
Apply Nowon Capital One's websiteon Capital One's websiteAnnual fee$0Rewards rate1%-8%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro on purchases for 12 monthsBalance transfer intro APR0% intro on balance transfers for 12 months; balance transfer fee appliesRegular APR18.74%-28.74% Variable APRRewards breakdown
8%Cash back on Capital One Entertainment purchases.5%Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.3%Cash back on dining.3%Cash back on entertainment.3%Cash back on popular streaming services.3%Cash back at grocery stores (excluding superstores like Walmart® and Target®).1%Cash back on all other purchases.Card details
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
- View Rates & Fees
NerdWallet's take
The Capital One Savor Cash Rewards Credit Card pays extra on going out, groceries and streaming with no categories to activate. It's a good pick if you can meet the spending requirement with regular purchases.
Read full reviewProsWelcome offer: A one-time cash bonus when you meet the spending requirement in the first 3 months.
Earns unlimited bonus cash back at grocery stores (excluding superstores), on dining, entertainment and popular streaming services, plus on everything else.
No foreign transaction fees, and cash back doesn't expire for the life of the account.
Annual fee: $0.
ConsRequires good to excellent credit.
Our pick for: Welcome bonus + high grocery cash back
Apply Nowon American Express' websiteon American Express' websiteAnnual fee$0 intro annual fee for the first year, then $95Rewards rate1%-6%CashbackIntro offerAs High as $300 cash back. Find Out Your Offer.Recommended creditGood - ExcellentPurchase intro APR0% intro APR on purchases for 12 months from the date of account openingBalance transfer intro APR0% intro APR on balance transfers for 12 months from the date of account openingAPR19.74%-28.74% Variable APRRewards breakdown
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.Card details
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- 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 19.74%-28.74%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Preferred® Card from American Express is built for big grocery and streaming budgets, which can more than cover its annual fee. You get a reward up front and steady cash back after.
Read full reviewProsWelcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.
Earns elevated cash back at U.S. supermarkets (up to an annual cap) and on select U.S. streaming subscriptions, plus at U.S. gas stations and on transit.
A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.
ConsHas an annual fee after the first year: $0 intro annual fee for the first year, then $95
American Express isn't accepted at as many merchants as Visa or Mastercard.
Our pick for: Welcome bonus + flat-rate cash rewards
Apply Nowon Wells Fargo's websiteon Wells Fargo's websiteAnnual fee$0Rewards rate2%CashbackIntro offer$100Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesBalance transfer intro APR0% intro APR for 12 months from account opening on qualifying balance transfersRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
2%Unlimited Cash rewards on purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $100 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. 18.74%, 24.74%, or 28.74% 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
NerdWallet's take
The Wells Fargo Active Cash® Card earns a strong flat rate on everything, so there's nothing to manage. The bonus gives you a head start, and the cash back keeps coming.
Read full reviewProsWelcome offer: A cash rewards bonus when you meet the spending requirement in the first 3 months.
Earns unlimited flat-rate cash rewards on purchases, with no categories to track.
Cash rewards don't expire while your account is open.
Annual fee: $0.
ConsNo bonus categories.
Foreign transaction fee: 3%
Compare the Best Cash Back Bonus Credit Cards
| Credit card | Rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Apply Nowon Chase's website on Chase's website | Best for Welcome bonus + rotating bonus categories | $0 | 1%-5% | $250 | Apply Nowon Chase's website on Chase's website |
Apply Nowon Bank of America's website on Bank of America's website | Best for Welcome bonus + choose-your-category cash back | $0 | 1%-6% | $200 | Apply Nowon Bank of America's website on Bank of America's website |
Apply Nowon Bank of America's website on Bank of America's website | Best for Welcome bonus + flat-rate cash back | $0 | 1.5% | $250 | Apply Nowon Bank of America's website on Bank of America's website |
Apply Nowon Citibank's application on Citibank's application | Best for Welcome bonus + cash back on everything | $0 | 2%-5% | $200 | Apply Nowon Citibank's application on Citibank's application |
Apply Nowon American Express' website on American Express' website | Best for Welcome bonus + everyday cash back | $0 | 1%-3% | As High as $200 cash back. Find Out Your Offer. | Apply Nowon American Express' website on American Express' website |
Apply Nowon Chase's website on Chase's website | Best for Welcome bonus + all-around cash back | $0 | 1.5%-5% | $200 | Apply Nowon Chase's website on Chase's website |
Apply Nowon Capital One's website on Capital One's website | Best for Welcome bonus + quarterly cash back + first-year match | $0 | 1%-5% | Cashback Match™ + $200 Statement Credit | Apply Nowon Capital One's website on Capital One's website |
Apply Nowon Capital One's website on Capital One's website | Best for Welcome bonus + dining, entertainment and grocery cash back | $0 | 1%-8% | $200 | Apply Nowon Capital One's website on Capital One's website |
Apply Nowon American Express' website on American Express' website | Best for Welcome bonus + high grocery cash back | $0 intro annual fee for the first year, then $95 | 1%-6% | As High as $300 cash back. Find Out Your Offer. | Apply Nowon American Express' website on American Express' website |
Apply Nowon Wells Fargo's website on Wells Fargo's website | Best for Welcome bonus + flat-rate cash rewards | $0 | 2% | $100 | Apply Nowon Wells Fargo's website on Wells Fargo's website |









