20 Best Cards to Earn a $200 to $500+ Credit Card Bonus

20 Best Cards to Earn a $200 to $500+ Credit Card Bonus

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: August 31, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Not so long ago, opening a new bank account or credit card came with a small kitchen appliance. These days, new credit cards generally won’t net you a toaster — but they do often come with the chance to earn a big signup bonus.

We’ve put together a list of some of the biggest and best bonuses around. While some signup bonuses come in the form of a lump-sum cash reward, a number of high-value bonuses come in the form of rewards points.

Since points and miles can have variable values depending on the program, we’ll take a look at values for redemption for cash back and direct travel (through the issuer). We’ll also include some valuations from The Points Guy (TPG), which includes transfer partners in its calculations.

Signup Bonuses Worth: $750+ | $500+ | $200+

Best Credit Cards with $750+ Signup Bonuses

While cash may be king in some arenas, maximizing credit card rewards is rarely one of them. The cards with the highest-value signup bonuses won’t offer flat cash bonuses, but instead typically offer rewards points with variable per-point value.

In the vast majority of credit card rewards programs, the maximum per-point value is obtained through travel redemption, either via the issuer’s shopping portal or by transferring credit card rewards to a partner hotel or airline loyalty program.

Consumer | Business

Consumer Credit Cards with $750+ Signup Bonuses

As you might suspect, if you’re looking for a consumer credit card with a massive signup bonus, you’re going to be paying a fairly massive annual fee, too — about $450 to $550 worth of massive.

On the bright side, not only does the big signup bonus provide a way to make up for at least that first-year’s fee, but most of these top-tier rewards cards come with purchase rewards and cardholder benefits that can make the annual fee worthwhile.

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$450
Good/Excellent

Although it’s unlikely we’ll again see the six-figure bonus that the Chase Sapphire Reserve® came with at launch, the 50,000 Ultimate Rewards® points new cardholders can earn are still extremely valuable.

In fact, while only worth $500 as cash back, those points can be worth up to $750 in travel when redeemed through Chase’s travel portal. The extra value is thanks to the 50% redemption bonus you get for being a Chase Sapphire Reserve® cardholder.

To really maximize your Ultimate Rewards®, you can transfer your points to one of Chase’s 10+ airline and hotel partners to reach — or even exceed — the TPG average value of 2.1¢ per point, potentially turning that 50,000-point bonus into $1,050 of travel.

2. Platinum Card® from American Express

The signup bonus for the Platinum Card® from American Express changes fairly regularly. It rarely drops below 60,000 Membership Rewards® points, however, with targeted offers of 75,000 points often popping up, and bonuses of 100,000 points not uncommon.

American Express Platinum Card

  • Earn 5X Membership Rewards® points per $1 on flights/hotels booked directly with the airline/hotel or American Express Travel
  • Receive up to $200 in Uber credits per year
  • Receive a $200 airline fee credit each year

Per-point value varies considerably depending on how you redeem your Membership Rewards®. Redeeming for a statement credit reportedly only provides 0.6¢ per point, while airfare options through Amex Travel can give you 1¢ per point.

By and large, the highest-value redemption option is to transfer your Membership Rewards® to a hotel or airline partner. Although Amex doesn’t have as many transfer partners as Chase, you can still find some valuable transfer options.

Indeed, the TPG value for Membership Rewards® is 1.9¢ per point, which means you can turn a typical 60,000-point bonus into $1,140 worth of travel if you redeem wisely.

Since the Platinum Card® has been known to offer signup bonuses of up to 100,000 Membership Rewards® points, it may be worthwhile to wait for the larger bonus if possible. You can only earn one signup bonus per Amex credit card per lifetime.

Business Credit Cards with $750+ Signup Bonuses

Business credit cards regularly offer much larger signup bonuses than consumer credit cards, though they also come with appropriately large spending requirements.

You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 might be required for some top-tier cards.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card earns the ever-popular Ultimate Rewards® points, which can be redeemed for travel through Chase’s portal or — the more valuable option — transferred to a partner airline or hotel loyalty program.

When redeemed as cash back, you get 1¢ per point, turning an 80,000-point bonus into a solid $800 statement credit. Redeeming for travel, however, provides much better value, as those 80,000 points can be worth $1,000 in travel through Chase’s travel portal.

Of course, the best way to maximize the value of the ever-flexible Ultimate Rewards® points is to transfer them to an airline or hotel loyalty program, which can unlock the TPG value of 2.1¢ per point — turning 80,000 points into $1,520 worth of travel.

4. American Express Business Platinum Card®

The American Express Business Platinum Card® usually offers at least 75,000 points — and frequently offers a 100,000-point signup bonus — which comes with the same Membership Rewards® points as its consumer counterpart.

Amex Business Platinum Card®

  • Earn 5X points per $1 spent on flights and hotels booked through amextravel.com
  • Earn 1.5X points per $1 on purchases $5,000 and up
  • Receive up to 75,000 bonus points for reaching minimum spend

Assuming you transfer those rewards to a hotel or airline partner to reach the average TPG value, you’re looking at around $1,900 in value for a 100,000-point bonus.

Cash back redemptions for statement credits will only earn 0.6¢ per point, so avoid that option when possible. Additionally, shopping with your Membership Rewards® is rarely a good value, as you’ll only receive 0.5¢ per point in the shopping portal, and 0.7¢ per point when you use your points on Amazon.

The signup bonus for the American Express Business Platinum Card® is generally tiered, with half the bonus earned when you reach the first spending requirement, and the second half of the bonus earned by reaching the second spending tier.

As with Amex consumer credit cards, signup bonuses for American Express business credit cards can only be earned once per product per lifetime.

Best Credit Cards with $500+ Signup Bonuses

While the credit cards with the highest signup bonuses certainly have more to recommend them than their bonuses, they also tend to come with big annual fees that simply may not be worthwhile to the average cardholder.

But, just because you wish to avoid big annual fees doesn’t mean you have to deal with a sub-par signup bonus. Many great credit cards come with lower annual fees and still offer respectable signup bonuses valued at $500 or more.

Consumer | Business

Consumer Credit Cards with $500+ Signup Bonuses

Consumer credit cards with $500+ signup bonuses will generally have moderate spending requirements, with most coming in between $3,000 and $4,000. You should also expect to pay an annual fee around $95, though some may waive the fee the first year.

As with the highest-value signup bonuses, most of the $500+ bonuses will come in the form of points, rather than cash back. Additionally, the best per-point value can be obtained by redeeming your rewards for travel.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card is the little sibling of the more expensive Chase Sapphire Reserve® card, charging only 21% of the annual fee but only earning 2X points per dollar for bonus category purchases.

However, while the Preferred may earn fewer purchase rewards per dollar, it earns the same signup bonus as its sibling, netting new cardholders who reach the spending requirement 50,000 Ultimate Rewards® points.

Chase Sapphire Preferred® cardholders only receive a 25% travel redemption bonus (compared to the Sapphire Reserve® card’s 50% bonus) when redeemed through the Chase travel portal, which means your 50,000-point bonus is only worth $625 with this option.

However, those points can still reach the same 2.1¢-per-point TPG valuation through smart transfers, giving you the potential for over $1,000 in value.

6. Citi ThankYou® Premier Card

The signup bonus for the Citi ThankYou® Premier Card offers 50,000 ThankYou® Points for meeting the minimum spend, though larger targeted offers crop up from time to time that can be worth an extra 10,000 bonus points or more.

Citi ThankYou® Premier Card

  • Earn 3X points per $1 spent on eligible travel purchases, including gas stations
  • Earn 2X points per $1 spent on dining out and entertainment
  • Pay no annual fee the first year, then $95

As with other flexible rewards programs, ThankYou® Points have a range of potential values depending on how you redeem them. Cash back, gift cards, and pay-with-points redemptions all provide 1¢ per point, turning 50,000 ThankYou® points into $500.

You’ll get more out of your points by redeeming for travel through Citi’s portal, which can give you $625 worth of travel for the same 50,000 points.

To get to the TPG average valuation of 1.7¢ per point — or $850 for 50,000 points — you’ll need to transfer your ThankYou® Points to a partner airline, a list that includes 15 options (though none of the legacy carriers like Delta, American, or United).

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

If all the talk of transfer partners and maximizing your points makes your head spin — or your eyes roll — you’re not alone. Consumers who are uninterested in the points and miles game can skip the confusion with a Capital One® Venture® Rewards Credit Card.

The miles you earn with a Capital One® Venture® Rewards Credit Card have a single, flat-rate value, offering 1¢ per mile when you redeem for statement credit to cover travel-related expenses.

So, the typical 50,000-mile signup bonus you can earn for reaching the moderate spending requirement for the Capital One® Venture® Rewards Credit Card will net you $500 in travel-related value. (You can also redeem miles for cash back, but, well, don’t — you’ll only get 0.5¢ per point.)

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent

The Discover it® Cash Back has a unique “signup” bonus that doesn’t actually kick in until a year after you open your account. But then it kicks in big — and the more you used your card that year, the bigger it gets.

How? At the end of your first year, Discover will match all the cash back you earned with your Discover it® Cash Back during the previous year. So, if you earned $500 in cash back during your first year, you’ll receive $500, automatically.

What’s more, Discover doesn’t cap the amount of cash back you can earn, so the sky’s the potential limit for your cash back match.

Even if you only use your new Discover it® Cash Back for the 5% cash back bonus categories, that first year could earn — and have matched — $300 in cash back rewards. All you need to do is activate your bonus categories and reach the maximum $1,500 in qualifying spend each quarter.

Business Credit Cards with $500+ Signup Bonuses

You’ll have a few options for business credit cards with signup bonuses worth $500 or more, with both cash back and miles cards in the mix. Most will provide straightforward cash back rewards, but some will have methods for boosting the value of the signup bonus, as well.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

As a cash back card, the Ink Business Cash℠ Credit Card‘s signup bonus is a straightforward reward that provides $500 as a statement credit when you reach the modest spending requirement.

That being said, if you happen to also own a Chase credit card that earns Ultimate Rewards®, you can squeeze a lot more value out of that bonus.

That’s because you’ll unlock the ability to turn that cash back bonus into Ultimate Rewards® points at a rate of one point per 1¢ — or 50,000 points for a $500 bonus, which can be worth from $625 up to $1,000+ when redeemed for travel.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

The latest addition to the Chase business credit card family, the New! Ink Business Unlimited℠ Credit Card currently comes with the same $500 cash back signup bonus as its sibling, the Ink Business Cash℠ Credit Card.

And, like its sibling, the Ink Business Unlimited℠ card can be paired with an Ultimate Rewards® earning card to turn that cash back bonus into significant travel value.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Spark® Cash for Business is the most straightforward rewards card from the straightforward-rewards bank. The card’s $500 cash back signup bonus is exactly that: $500, delivered in the form of a statement credit.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

In many ways, the Capital One® Spark® Miles for Business is essentially the business version of the bank’s consumer travel rewards card, the Capital One® Venture® Rewards Credit Card — including the same 50,000-mile signup bonus (but with a larger spending requirement).

The Capital One® Spark® Miles for Business offers non-travel redemption options, but the value won’t be as good as simply redeeming for statement credit to cover eligible travel-related expenses.

Best Credit Cards with $200+ Signup Bonuses

While the largest signup bonuses typically come as points or miles and require specific redemptions to reach their peak value, most of the smaller signup bonuses are of a simpler nature, mostly offered in the form of straight cash back.

In addition to being more straightforward to redeem, the smaller signup bonuses also have spending requirements that are significantly easier to attain, with most requiring $1,000 or less to earn a still-respectable bonus.

Consumer | Business

Consumer Credit Cards with $200+ Signup Bonuses

Most consumer credit cards with signup bonuses in the $200 range are not only cash back cards, but most will even come without an annual fee (but not all). You’ll find a mix of flat-rate unlimited cash back cards, as well as some that offer bonus categories.

Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.74%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
15.74%-26.74% (Variable)
$0
Excellent/Good

As is common of many signup bonuses from cash back cards, the Wells Fargo Cash Wise Visa® Card bonus can be simply redeemed for a statement credit at its face value of $200. You can redeem rewards with your Wells Fargo Debit or ATM Card at Wells Fargo ATMs, as a statement credit, or as a credit to your qualified Wells Fargo mortgage.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.74% - 23.74% (Variable)
$0
Excellent, Good

The Capital One® VentureOne® Rewards Credit Card is the little sibling of the Capital One® Venture® Rewards Credit Card.

The Capital One® VentureOne® Rewards Credit Card doesn’t have the annual fee that its big sibling charges, and the card’s signup bonus — while less valuable at only $200 — is easier to obtain with a spending requirement just one-third the size.

Bank of America® Travel Rewards Credit Card Review

at Bank of America'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
0.0/5.0
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
16.49% to 24.49% (Variable)
$0
Excellent/Good

One of the few points rewards cards with a lower-value bonus, the Bank of America® Travel Rewards Credit Card offers 20,000 bonus points for meeting the $1,000 spending requirement within the first 90 days of account opening. Look out for special online signup bonus offers worth an extra 5,000 points.

Those points can be redeemed for $200 in statement credit good toward a range of travel-related expenses, including flights, hotels, rental cars, and baggage fees.

16. Blue Cash Preferred® Card from American Express

The signup bonus for the Blue Cash Preferred® Card from American Express seems to depend on the specific offer, with applicants seeing a $200 or $250 cash back rewards signup bonus.

Blue Cash Preferred® Card from American Express

  • Earn 6% cash back at US supermarkets on up to $6,000 per year in purchases
  • Earn 3% cash back at US gas stations and US department stores
  • Earn 1% cash back on all other purchases

Whichever signup bonus offer you receive, meeting the spending requirement within the first three months can net you enough to cover the card’s annual fee for the first two years. As an Amex card, you’ll only get one signup bonus for this card, ever, so make it count.

Business Credit Cards with $200+ Signup Bonuses

As is the trend with business credit cards, the spending requirements for even these smaller signup bonuses will typically be larger than those required by consumer cards. But, given that the average business spends more in a month than the typical consumer, they’re likely to be of similar attainability.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The Capital One® Spark® Cash Select for Business  has the same straightforward cash back redemption for its signup bonus as its sibling card, albeit with a smaller $200 signup bonus for meeting a more reasonable $3,000 spending requirement.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The miles you earn with the Capital One® Spark® Miles Select for Business are as easy to redeem as any other Capital One® travel rewards card, providing a set 1¢-per-mile value when you redeem for a statement credit to cover qualifying travel-related expenses.

19. Business Advantage Cash Rewards Mastercard®

The Business Advantage Cash Rewards Mastercard® has one of the smallest spending requirements of any business credit card, offering a solid $200 signup bonus for just $500 in qualifying spend within the first 60 days of account opening.

Business Advantage Cash Rewards Mastercard®

  • Earn 3% cash back at gas stations and office supply stores and 2% at restaurants
  • Receive $200 cash back after spending $500 in the first 60 days
  • Pay no annual fee

Cash back rewards can be redeemed for a statement credit or as a deposit into a qualifying Bank of America small business checking or savings account. You must have at least $25 in rewards to redeem.

20. U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard®

New U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard® cardholders have 90 days to spend $1,000 on their card to earn the $200 cash back signup bonus.

 U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard®

  • Earn 3% cash back on gas station, office supply, and wireless service purchases
  • Earn unlimited 1% cash back on all other purchases
  • Pay no annual fee

The U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard® also comes with a yearly bonus of 25% of the prior year’s cash back rewards earnings, up to $250 each year.

Earn Huge Rewards as a New Cardholder

Whether you’re an experienced credit card churner looking to maximize your rewards or an everyday consumer simply trying to make the most of a new card, there are dozens of solid options available for earning a nice signup bonus regardless of your budget and spending habits.

At the same time, it’s important to understand the potential perils of chasing signup bonuses. For example, you never want to charge more than you can afford to repay just to get a signup bonus; interest fees can add up very quickly when you carry a balance, which can eat into your earnings — or even surpass them.

Furthermore, make sure you go for signup bonuses you can actually redeem for the best value. If you rarely travel, for instance, then some of the biggest signup bonuses may not actually hold more value than smaller cash back bonuses. You should also keep an eye on other potential costs, like annual fees, that can offset your bonus.

Finally, keep in mind that only new purchases will count toward you signup bonus. Other transaction types, such as balance transfers and cash advances, won’t earn purchase rewards or count toward the minimum spending requirements for signup bonuses. (Plus, they often start accruing interest right away and come with extra fees, so do your research before making these types of transactions.)