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10 best cards that offer welcome bonuses

Getting a credit card with a welcome bonus is one of the best ways to jumpstart your savings. That's why we've compiled this list of 10 cards that offer welcome bonuses!

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by Victória Lourenço

11/09/2021 | Updated on 04/20/2022

Learn the best options of credit cards that offer welcome bonuses

See the ten best cards that offer welcome bonuses! Source: Freepik - jcomp.
See the ten best cards that offer welcome bonuses! Source: Freepik – jcomp.

When it comes to credit cards, there are a lot of factors for cardholders to consider. Also, one factor that many people overlook is the welcome bonus. Welcome bonuses can vary from as low as $100 up to as much as $500 or more. Also, you need to qualify for the welcome bonus requirements. So, read on to learn more about welcome bonuses and see a list of the ten best cards that offer welcome bonuses!

14 Best credit cards with cashback rewards of 2021

Come check out what are some of the best credit cards with cashback rewards of the year! Their features and benefits are incredible!

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What is a welcome bonus?

Welcome bonuses can come in many forms! Source: Unsplash.
Welcome bonuses can come in many forms! Source: Unsplash.

Credit card companies offer welcome bonuses to new cardholders, which can come in the form of cashback rewards, points, miles, and even discounts on purchases. But these bonuses often come with requirements, such as reaching a minimum spending amount, which usually applies to qualifying purchases. But, all these requirements vary depending on the credit card company.

10 best cards that offer great welcome bonuses

Check out the best cards with welcome bonuses! Source: Unsplash.
Check out the best cards with welcome bonuses! Source: Unsplash.

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1. Chase Freedom Flex℠

With the Chase Freedom Flex℠ card, you can earn up to $200 cashback after spending $500 on purchases within the first three months. Also, this card is for those looking for an easy-to-earn welcome bonus. Moreover, you can get a 0% intro APR for 15 months from account opening as well!

Credit ScoreGood to excellent.
Annual Fee$0.
Regular APR14.99% to 24.74% variable APR.
Welcome bonus$200 cashback after spending $500 on purchases in the first 3 months.
Rewards*Spend up to $1,500 on purchases of combined bonus categories and earn 5% cash back. Offer available each quarter.

5% cash back on travel (Chase).

3% on dining.

*Terms apply.

2. Chase Sapphire Preferred® credit card

This card is for those who want a great travel credit card that comes with an amazing bonus offer. In addition, as a new cardholder, you can get 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. Also, you can earn many more rewards related to travel.

Credit ScoreGood to excellent.
Annual Fee$95.
Regular APR*15.99% to 22.99% variable APR.
*Terms apply.
Welcome bonus*60,000 points after spending $4,000 on purchases within the first 3 months as a new cardholder.
*Terms apply.
Rewards*You can earn 5x points on travel on purchases through Chase Ultimate Rewards®.

3x points on dining at restaurants.

2x on other travel spendings.

*Terms apply.

How do you get the Chase Sapphire Preferred® card?

Do you love traveling, dining and earning up to 5x points rewards? Then, read more to know how to apply for the Chase Sapphire Preferred® card!

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3. Discover it® Cash Back

The Discover it® Cash Back card offers great cash back rewards. In addition, as a new cardholder, you get all of your earn cashback matched by Discover at the end of your first year of account opening. Moreover, there is no annual fee and a 0% intro APR offer for 14 months!

Credit ScoreGood to excellent.
Annual Fee$0.
Regular APR*11.99% to 22.99% variable APR.
*Terms apply.
Welcome bonus*All of your cash back is matched by Discover at the end of your first year.
*Terms apply.
Rewards*Earn 5% cash back on everyday eligible spendings.

Earn 1% cash back on every other purchase.

*Terms apply.

How to get the Discover it® Cash Back credit card?

How about getting all of your earned cashback matched at the end of your first year, plus more rewards? Read more to know how to apply for the Discover it® Cash Back!

4. American Express® Gold Card

With the Amex Gold credit card, you can earn 60,000 MR points after you spend $4,000 on purchases within your first six months of account opening. Moreover, even though there is a hefty annual fee of $250, this card has a high rewards rate.

Credit ScoreGood to excellent.
Annual Fee$250.
Regular APR15.99% to 22.99% variable APR on qualifying purchases.
Welcome bonus*Earn 60,000 Membership Rewards® Points after spending $4,000 within the first 6 months of account opening.
* Terms apply.
Rewards*4x points on dining at restaurants.

4x on groceries purchases at U.S. supermarkets (up to $25,000 per year).

3x on flights (airlines or amextravel.com).

1x on any other eligible purchase.

*Terms apply.

How do you get the American Express® Gold card?

Do you want a card with a great welcome bonus and high rewards rate? Check out how to apply for the American Express® Gold card!

5. Citi Premier® credit card

The Citi Premier® credit card offers 80,000 bonus points after you spend $4,000 on purchases with your new card within the first 3 months from account opening. Moreover, you can earn 3x points on rewards for purchases made at restaurants, travel spendings, and more!

Credit ScoreGood to excellent.
Annual Fee$95.
Regular APR15.99% to 23.99%.
Welcome bonus*You can earn 80,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening.

*Terms apply.
Rewards*Earn 3x points on restaurants, supermarkets, gas stations, air travel, and hotels.

Earn 1x point on every other purchase.

Get an annual hotel savings benefit of $100.

*Terms apply.

How do you get the Citi Premier® card?

Do you love to get bonuses for daily purchases and also get travel rewards? Keep reading to learn how to apply for the Citi Premier® card!

6. The Platinum Card® from American Express

As a new cardholder of this Amex card, you can earn 100,000 MR points after spending $6,000 on purchases within the first six months from your account opening. Also, there are always offers that upgrade these points, but you need to get to them fast. For example, the current offer is 125,000 MR points as a welcome bonus!

Credit ScoreGood to excellent.
Annual Fee$695.
Regular APR15.99% to 22.99% variable APR for qualifying charges.
Welcome bonusEarn 100,000 Membership Rewards Points® after you spend $6,000 on purchases in the first 6 months from account opening.
Rewards*Get a $200 hotel credit.

Get up to $20 each month after paying for eligible digital entertainment services.

Earn a $200 airline fee credit.

*Terms apply.

How do you get American Express Platinum Card®?

Earn up to 100,000 MR points as a welcome bonus and more rewards with the American Express Platinum Card®! Read our post to know how to apply!

7. Amazon Prime Rewards Visa Card

The Amazon Prime Rewards Visa card is for those who have Prime membership. Also, you can get a $0 annual fee and other exclusive rewards with a Prime membership and this credit card. And the welcome bonus is $150 on an Amazon Gift Card, which you get instantly upon your approval to get the card!

Credit ScoreGood to excellent.
Annual Fee$0 (with Prime membership).
Regular APR14.24% to 22.24% variable APR.
Welcome bonus$150 Amazon Gift card.
Rewards*You can earn up to 5% cash back with Prime membership.

Earn 2% cash back at restaurants, drugstores, and gas stations.

Get 1% cash back on every other eligible purchase.

*Terms apply.

How do you get the Amazon credit card?

Do you want to enjoy more benefits of being a Prime Member? Then, you must want to get this Amazon card. Check out our post to help you apply!

8. Hilton Honors American Express Surpass® Card

With the Hilton Honors American Express Surpass® card, you can earn 130,000 bonus points after spending $2,000 on purchases within the first three months as a new cardholder. Moreover, you can earn more 50,000 points after spending $10,000 total in purchases in the first six months (terms apply.)

Credit ScoreGood to excellent.
Annual Fee$95.
Regular APR15.74% to 24.74% variable APR on eligible purchases.
Welcome bonus*130,000 bonus points after you spend $2,00 on purchases within the first 3 months.
*Terms apply.
Rewards*6x points on U.S. gas stations.

12x points on hotels and resorts (Hilton portfolio.)

6x points on dining at U.S. restaurants.

6x points on groceries at U.S. restaurants.

3x points for any other eligible purchase.

*Terms apply.

9. Wells Fargo Active Cash℠ Card

With this Wells Fargo card, you can earn a $200 cash bonus when you spend $1,000 within the first three months as a new cardholder. Also, you can earn unlimited 2% cash rewards with no limitations on categories.

Credit ScoreGood to excellent.
Annual Fee$0.
Regular APR*14.99% to 24.99% variable APR.
*Terms apply.
Welcome bonus*$200 cash back rewards after spending $1,000 on purchases within the first 3 months.
*Terms apply.
Rewards*Earn unlimited 2% cash rewards on eligible purchases.
*Terms apply.

How do you get the Wells Fargo Active Cash℠ card?

The Wells Fargo Active Cash℠ card is great for everyday purchases and it has amazing rewards. Check out how to get this great cash back card!

10. Blue Cash Everyday® Card

With this Amex card, you can earn $250 back after spending $2,000 in purchases within the first six months as a new cardholder (get the bonus back as a statement credit.) Moreover, get a 0% intro APR on purchases for 15 months from account opening!

Credit ScoreGood to excellent.
Annual Fee$0.
Regular APR13.99% to 23.99% variable APR.
Welcome bonus*Get $250 back after spending $2,000 in purchases within the first six months as a new cardholder, and get the bonus in the form of a statement credit.
*Terms apply.
Rewards*3% cash back on groceries at U.S. supermarkets.

2% cash back on U.S. gas stations.

2% cash back at qualifying U.S. department stores.

1% cash back on every other eligible purchase.

*Terms apply.

After you choose the credit card with the best welcome bonus, it can be great to know what to do with all the money you will save. So, check out our post below with a guide to help you learn how to invest in stocks!

Stocks as an Investment: a guide for beginners

Is the stock market right for you? Come learn how to invest in stocks. We want to help you with five simple steps!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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