7 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
Wells Fargo Active Cash® Card: Best for $200 Cash Back
Chase Freedom Unlimited®: Best for Cash-Back Pairing With Chase Sapphire Preferred®
Capital One SavorOne Cash Rewards Credit Card: Best for Dining and Groceries + No Annual Fee
Capital One Venture Rewards Credit Card: Best for Flat-Rate Travel Rewards
Capital One Venture X Rewards Credit Card: Best for Capital One Miles
Blue Cash Preferred® Card from American Express: Best for $350 Statement Credit
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card: Best for No Limit On Total Cash Back Earned
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 | 2% | $200 | Apply Now on Wells Fargo's website on Wells Fargo's website | |
| Excellent for Cash-Back Pairing With Chase Sapphire Preferred® | $0 | 1.5%-6.5% | $300 | Apply Now on Chase's website on Chase'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 Flat-Rate Travel Rewards | $95 | 2x-5x | 75,000 | Apply Now on Capital One's website on Capital One's website | |
| Excellent for Capital One Miles | $395 | 2x-10x | 75,000 | Apply Now on Capital One's website on Capital One's website | |
 Blue Cash Preferred® Card from American Express Apply Now on American Express' website on American Express' website | Excellent for $350 Statement Credit | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
 U.S. Bank Shopper Cash Rewards™ Visa Signature® Card Apply Now on US Bank's website on US Bank's website | Excellent for No Limit On Total Cash Back Earned | $0 intro for the first year, then $95 | 1.5%-6% | $250 | Apply Now on US Bank's website on US Bank's website |
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Unlimited Cash Back on purchases.
2%
$0
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2%
$0
- 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
- High rewards rate
- No annual fee
- Intro APR period
- No bonus categories
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!
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.
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.
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.
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.
1.5%-6.5%
$0
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!
1.5%-6.5%
$0
- 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
- No annual fee
- Intro APR period
- High rewards rate
- No minimum redemption amount
- Requires good/excellent credit
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Cash back on purchases made through Uber & Uber Eats.
Cash back on Capital One Entertainment purchases.
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.
Cash back on dining.
Cash back on entertainment.
Cash back on popular streaming services.
Cash back at grocery stores (excluding superstores like Walmart® and Target®).
Cash back on all other purchases.
1%-10%
$0
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
1%-10%
$0
- 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
- No annual fee
- Intro APR period
- Bonus categories
- No foreign transaction fees
- Requires good/excellent 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.
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 on every purchase, every day.
2x-5x
$95
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.
2x-5x
$95
- 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
- High rewards rate
- Flexible rewards redemption
- Has annual fee
- Requires good/excellent 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.
Miles on hotels and rental cars booked through Capital One Travel.
Miles on flights booked through Capital One Travel.
Miles on all other purchases.
2x-10x
$395
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.
2x-10x
$395
- 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
- High rewards rate
- New cardholder bonus offer
- Lounge membership
- Anniversary perk
- Flexible rewards redemption
- High annual fee
- Requires excellent credit
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Cash Back on select U.S. streaming subscriptions.
Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Cash Back on other purchases.
1%-6%
$0 intro annual fee for the first year, then $95.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
1%-6%
$0 intro annual fee for the first year, then $95.
- 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
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
No Rewards
1.5%-6%
$0 intro for the first year, then $95
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
1.5%-6%
$0 intro for the first year, then $95
- 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com™, Walmart®, Target®and more).
- Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities).
- 1.5% Cash Back on all other eligible purchases.
- 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
- View Rates & Fees
- High rewards rate
- Bonus categories
- New cardholder bonus offer
- Has annual fee
- Complicated rewards
