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12 Excellent Credit Card Bonuses of 2022
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.
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NerdWallet's Excellent Credit Card Bonuses of 2022
Chase Freedom Unlimited®: Best for $200 Cash Back
U.S. Bank Cash+® Visa Signature® Card: Best for $200 Cash Back
Wells Fargo Active Cash® Card: Best for $200 Cash Back
Bank of America® Customized Cash Rewards credit card: Best for $200 Cash Back
Blue Cash Everyday® Card from American Express: Best for $200 Cash Back
Citi Custom Cash® Card: Best for $200 Cash Back
Blue Cash Preferred® Card from American Express: Best for $300 Cash Back
Capital One Venture Rewards Credit Card: Best for Flat-Rate Travel Rewards
Capital One SavorOne Cash Rewards Credit Card: Best for Dining and Groceries + No Annual Fee
Chase Sapphire Preferred® Card: Best for Chase Ultimate Rewards® Points
Capital One Venture X Rewards Credit Card: Best for Capital One Miles
Bank of America® Travel Rewards credit card: Best for Flat-Rate Travel Rewards + No Annual Fee
Excellent Credit Card Bonuses From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
| Excellent for $200 Cash Back | $0 | 1.5%-6.5% | $300 | Apply Now on Chase's website on Chase's website | |
| Excellent for $200 Cash Back | $0 | 1%-5% | $200 | Apply Now on US Bank's website on US Bank's website | |
| Excellent for $200 Cash Back | $0 | 2% | $200 | Apply Now on Wells Fargo's website on Wells Fargo's website | |
 Bank of America® Customized Cash Rewards credit card Apply Now on Bank of America's website, on Bank of America's website,or call (877) 754-6706 | Excellent for $200 Cash Back | $0 | 1%-3% | $200 | Apply Now on Bank of America's website, on Bank of America's website,or call (877) 754-6706 |
 Blue Cash Everyday® Card from American Express Apply Now on American Express' website on American Express' website | Excellent for $200 Cash Back | $0 | 1%-3% | $200 | Apply Now on American Express' website on American Express' website |
| Excellent for $200 Cash Back | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application | |
 Blue Cash Preferred® Card from American Express Apply Now on American Express' website on American Express' website | Excellent for $300 Cash Back | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
| Excellent for Flat-Rate Travel Rewards | $95 | 2x-5x | 75,000 | Apply Now on Capital One's website on Capital One's website | |
 Capital One SavorOne Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website | Excellent for Dining and Groceries + No Annual Fee | $0 | 1%-10% | $200 | Apply Now on Capital One's website on Capital One's website |
| Excellent for Chase Ultimate Rewards® Points | $95 | 1x-5x | 60,000 | Apply Now on Chase's website on Chase's website | |
| Excellent for Capital One Miles | $395 | 2x-10x | 75,000 | Apply Now on Capital One's website on Capital One's website | |
 Bank of America® Travel Rewards credit card Apply Now on Bank of America's website, on Bank of America's website,or call (800) 211-3740 | Excellent for Flat-Rate Travel Rewards + No Annual Fee | $0 | 1.5x | 25,000 | Apply Now on Bank of America's website, on Bank of America's website,or call (800) 211-3740 |
Excellent for: $200 Cash Back
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1.5%-6.5%
CashbackIntro offer
$300
Recommended Credit Score
- 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 20.49% - 29.24%.
- 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.
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Excellent for: $200 Cash Back
Apply Now
on US Bank's website
on US Bank's website
Annual fee
$0
Rewards rate
1%-5%
CashbackIntro offer
$200
Recommended Credit Score
- $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 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 balance transfers for the first 18 billing cycles. After that, a variable APR currently 19.49% - 29.49%
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on US Bank's website
on US Bank's website
Excellent for: $200 Cash Back
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Annual fee
$0
Rewards rate
2%
CashbackIntro offer
$200
Recommended Credit Score
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% 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
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Excellent for: $200 Cash Back
Apply Now
on Bank of America's website,
on Bank of America's website,or call (877) 754-6706
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended Credit Score
- $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 - now with expanded categories, 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.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- 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, 18.24% - 28.24% Variable APR will apply. A 3% fee 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 Bank of America's website,
on Bank of America's website,or call (877) 754-6706
Excellent for: $200 Cash Back
Apply Now
on American Express' website
on American Express' website
Annual fee
$0
Rewards rate
1%-3%
CashbackIntro offer
$200
Recommended Credit Score
- 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, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 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 American Express' website
on American Express' website
Excellent for: $200 Cash Back
Apply Now
on Citibank's application
on Citibank's application
Annual fee
$0
Rewards rate
1%-5%
CashbackIntro offer
$200
Recommended Credit Score
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, 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.
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Excellent for: $300 Cash Back
Apply Now
on American Express' website
on American Express' website
Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
CashbackIntro offer
$250
Recommended Credit Score
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 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
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- 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 $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Excellent for: Flat-Rate Travel Rewards
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$95
Rewards rate
2x-5x
MilesIntro offer
75,000
MilesRecommended Credit Score
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from our Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Excellent for: Dining and Groceries + No Annual Fee
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$0
Rewards rate
1%-10%
CashbackIntro offer
$200
Recommended Credit Score
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Excellent for: Chase Ultimate Rewards® Points
Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
PointsIntro offer
60,000
PointsRecommended Credit Score
- 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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
- 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.
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Excellent for: Capital One Miles
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$395
Rewards rate
2x-10x
MilesIntro offer
75,000
MilesRecommended 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
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Excellent for: Flat-Rate Travel Rewards + No Annual Fee
Apply Now
on Bank of America's website,
on Bank of America's website,or call (800) 211-3740
Annual fee
$0
Rewards rate
1.5x
PointsIntro offer
25,000
PointsRecommended Credit Score
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 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, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- 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 Bank of America's website,
on Bank of America's website,or call (800) 211-3740
