CREDIT CARDSCREDIT CARDSEXCELLENT CREDIT CARD BONUSES OF 2022
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13 Excellent Credit Card Bonuses of 2022

NerdWallet's Excellent Credit Card Bonuses of 2022

Excellent Credit Card Bonuses From Our Partners

Credit card
NerdWallet rating
Annual feeRewards rateIntro offer
Learn more
Chase Freedom Unlimited® Image
Chase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
5.0/5
Excellent for $200 Cash Back

$0

1.5%-6.5%

Cashback

$300

Apply Now
on Chase's website
on Chase's website
U.S. Bank Cash+® Visa Signature® Card Image
U.S. Bank Cash+® Visa Signature® Card
Apply Now
on US Bank's website
on US Bank's website
Rates & Fees
Excellent for $200 Cash Back

$0

1%-5%

Cashback

$200

Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Excellent for $200 Cash Back

$0

2%

Cashback

$200

Bank of America® Customized Cash Rewards credit card Image
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%

Cashback

$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 Image
Blue Cash Everyday® Card from American Express
Excellent for $200 Cash Back

$0

1%-3%

Cashback

$200

Citi Custom Cash® Card Image
Citi Custom Cash® Card
Excellent for $200 Cash Back

$0

1%-5%

Cashback

$200

BankAmericard® credit card Image
BankAmericard® credit card
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Excellent for Cost-Effective Balance Transfer

$0

No rewards

N/A

Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Blue Cash Preferred® Card from American Express Image
Blue Cash Preferred® Card from American Express
Excellent for $300 Cash Back

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

1%-6%

Cashback

$250

Capital One Venture Rewards Credit Card Image
Capital One Venture Rewards Credit Card
Excellent for Flat-Rate Travel Rewards

$95

2x-5x

Miles

75,000

miles
Capital One SavorOne Cash Rewards Credit Card Image
Capital One SavorOne Cash Rewards Credit Card
Excellent for Dining and Groceries + No Annual Fee

$0

1%-10%

Cashback

$200

Chase Sapphire Preferred® Card Image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
Excellent for Chase Ultimate Rewards® Points

$95

1x-5x

Points

60,000

points
Apply Now
on Chase's website
on Chase's website
Capital One Venture X Rewards Credit Card Image
Capital One Venture X Rewards Credit Card
Excellent for Capital One Miles

$395

2x-10x

Miles

75,000

miles
Bank of America® Travel Rewards credit card Image
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

Points

25,000

points
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 211-3740
Excellent for: $200 Cash Back

Chase Freedom Unlimited®

NerdWallet rating
5.0
Chase Freedom Unlimited® card image
NerdWallet rating
Apply Now
on Chase's website
on Chase's website
Current 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!

Rewards Rate
6.5%

Cash back on travel purchased through Chase Travel (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel.

4.5%

Cash back on drugstore purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 3% cash back on drugstore purchases.

4.5%

Cash back on dining at restaurants, including takeout and eligible delivery services (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 3% cash back on dining at restaurants, including takeout and eligible delivery services.

3%

Cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy unlimited 1.5% cash back on all other purchases.

Rewards rate

1.5%-6.5%

Cashback
Annual fee

$0

Recommended Credit
Current 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!

Rewards rate

1.5%-6.5%

Cashback
Annual fee

$0

Recommended Credit
  • 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 Travel, 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 travel purchased through Chase Travel, 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, alerts, and more.
  • Member FDIC
Apply Now
on Chase's website
on Chase's website
Pros
  • No annual fee
  • Intro APR period
  • High rewards rate
  • No minimum redemption amount
Cons
  • Requires good/excellent credit
Read full review
U.S. Bank Cash+® Visa Signature® Card card image
NerdWallet rating
Current Intro Offer

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

Rewards Rate
5%

Cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.

5%

Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.

2%

Cash Back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.

1%

Cash Back on all other eligible purchases.

Rewards rate

1%-5%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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

Rewards rate

1%-5%

Cashback
Annual fee

$0

Recommended Credit
  • $200 rewards 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 and EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% - 29.74%
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates & Fees
Apply Now
on US Bank's website
on US Bank's website
Pros
  • No annual fee
  • Bonus categories
  • High rewards rate
Cons
  • Complicated rewards
Read full review
Excellent for: $200 Cash Back
NerdWallet rating
Wells Fargo Active Cash® Card card image
NerdWallet rating
Current Intro Offer

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

Rewards Rate
2%

Unlimited Cash Back on purchases.

Rewards rate

2%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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

Rewards rate

2%

Cashback
Annual fee

$0

Recommended Credit
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Pros
  • High rewards rate
  • No annual fee
  • Intro APR period
Cons
  • No bonus categories
Read full review
Excellent for: $200 Cash Back
NerdWallet rating
Bank of America® Customized Cash Rewards credit card card image
NerdWallet rating
Apply Now
on Bank of America's website,
on Bank of America's website, or call (877) 754-6706
Current Intro Offer

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

Rewards Rate
3%

Cash back in the category of your choice (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.

Rewards rate

1%-3%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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

Rewards rate

1%-3%

Cashback
Annual fee

$0

Recommended Credit
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
on Bank of America's website,
on Bank of America's website, or call (877) 754-6706
Pros
  • No annual fee
  • New cardholder bonus offer
  • Rotating bonus categories
  • Relationship rewards for customers
  • Intro APR period
Cons
  • Requires good/excellent credit
  • Complicated rewards
  • Spending caps on bonus rewards
  • Best rewards limited to certain customers
Read full review
Excellent for: $200 Cash Back
NerdWallet rating
Blue Cash Everyday® Card from American Express card image
NerdWallet rating
Current Intro Offer

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

Rewards Rate
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.

Rewards rate

1%-3%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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

Rewards rate

1%-3%

Cashback
Annual fee

$0

Recommended Credit
  • 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, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
  • View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Pros
  • No annual fee
  • High rewards rate
  • Intro APR period
  • Bonus categories
Cons
  • Requires good/excellent credit
  • Spending caps on bonus rewards
Read full review
Excellent for: $200 Cash Back
NerdWallet rating
Citi Custom Cash® Card card image
NerdWallet rating
Current Intro Offer

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.

Rewards Rate
5%

Cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

1%

Cash back on all other purchases.

Rewards rate

1%-5%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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.

Rewards rate

1%-5%

Cashback
Annual fee

$0

Recommended Credit
  • 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
Pros
  • No annual fee
  • 5% bonus categories
  • Intro APR Period
Cons
  • Low rate outside bonus categories
Read full review
Excellent for: Cost-Effective Balance Transfer
NerdWallet rating
BankAmericard® credit card card image
NerdWallet rating
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Current Intro Offer

None

Rewards Rate

No Rewards

Rewards rate

No rewards

Annual fee

$0

Recommended Credit
Current Intro Offer

None

Rewards rate

No rewards

Annual fee

$0

Recommended Credit
  • 0% Intro APR for 18 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 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • 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) 322-7707
Pros
  • No annual fee
  • Intro APR period
Cons
  • Requires good/excellent credit
  • No ongoing rewards
Read full review
Excellent for: $300 Cash Back
NerdWallet rating
Blue Cash Preferred® Card from American Express card image
NerdWallet rating
Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards Rate
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.

Rewards rate

1%-6%

Cashback
Annual fee

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

Recommended Credit
Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards rate

1%-6%

Cashback
Annual fee

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

Recommended Credit
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ 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 can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
  • View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Pros
  • High rewards rate
  • Bonus categories
  • Intro APR period
  • Cash rewards
Cons
  • Has annual fee
  • Requires good/excellent credit
  • Spending caps on bonus rewards
Read full review
Excellent for: Flat-Rate Travel Rewards
NerdWallet rating
Capital One Venture Rewards Credit Card card image
NerdWallet rating
Current Intro Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Rewards Rate
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.

2X

Miles on every purchase, every day.

Rewards rate

2x-5x

Miles
Annual fee

$95

Recommended Credit
Current Intro Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Rewards rate

2x-5x

Miles
Annual fee

$95

Recommended Credit
  • 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®
  • 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 the 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
Pros
  • High rewards rate
  • Flexible rewards redemption
Cons
  • Has annual fee
  • Requires good/excellent credit
Read full review
Excellent for: Dining and Groceries + No Annual Fee
NerdWallet rating
Capital One SavorOne Cash Rewards Credit Card card image
NerdWallet rating
Current Intro Offer

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

Rewards Rate
10%

Cash back on purchases made through Uber & Uber Eats.

8%

Cash back on Capital One Entertainment purchases.

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.

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.

Rewards rate

1%-10%

Cashback
Annual fee

$0

Recommended Credit
Current Intro Offer

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

Rewards rate

1%-10%

Cashback
Annual fee

$0

Recommended Credit
  • 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; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Pros
  • No annual fee
  • Intro APR period
  • Bonus categories
  • No foreign transaction fees
Cons
  • Requires good/excellent credit
Read full review
Excellent for: Chase Ultimate Rewards® Points
NerdWallet rating
Chase Sapphire Preferred® Card card image
NerdWallet rating
Apply Now
on Chase's website
on Chase's website
Current Intro Offer

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

Rewards Rate
5X

Points on travel purchased through Chase Ultimate Rewards®.

3X

Points on dining.

3X

Points on select streaming services.

3X

Points on online groceries.

2X

Points on all other travel purchases.

1X

Point on all other purchases.

Rewards rate

1x-5x

Points
Annual fee

$95

Recommended Credit
Current Intro Offer

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

Rewards rate

1x-5x

Points
Annual fee

$95

Recommended Credit
  • 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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other 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
Pros
  • New cardholder bonus offer
  • Bonus categories
  • Primary rental car coverage
  • Flexible rewards redemption
  • Transfer partners
Cons
  • Has annual fee
  • Requires good/excellent credit
  • Complicated rewards
Read full review
Excellent for: Capital One Miles
NerdWallet rating
Capital One Venture X Rewards Credit Card card image
NerdWallet rating
Current Intro Offer

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.

Rewards Rate
10X

Miles on hotels and rental cars booked through Capital One Travel.

5X

Miles on flights booked through Capital One Travel.

2X

Miles on all other purchases.

Rewards rate

2x-10x

Miles
Annual fee

$395

Recommended Credit
Current Intro Offer

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.

Rewards rate

2x-10x

Miles
Annual fee

$395

Recommended Credit
  • 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
Pros
  • High rewards rate
  • New cardholder bonus offer
  • Lounge membership
  • Anniversary perk
  • Flexible rewards redemption
Cons
  • High annual fee
  • Requires excellent credit
Read full review
Excellent for: Flat-Rate Travel Rewards + No Annual Fee
NerdWallet rating
Bank of America® Travel Rewards credit card card image
NerdWallet rating
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 211-3740
Current Intro Offer

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.

Rewards Rate
1.5X

Points per $1 spent on all purchases.

Rewards rate

1.5x

Points
Annual fee

$0

Recommended Credit
Current Intro Offer

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.

Rewards rate

1.5x

Points
Annual fee

$0

Recommended Credit
  • 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 as long as your account remains open.
  • 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America 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
Pros
  • No annual fee
  • New cardholder bonus offer
  • No foreign transaction fees
  • Flexible rewards redemption
  • Intro APR period
Cons
  • Requires good/excellent credit
  • No bonus categories
  • Best rewards limited to certain customers
Read full review
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