Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Credit card welcome bonus offers are an easy way to earn extra rewards when you open an account. While these deals can be lucrative, you should consider your budget before signing up for a card and only take advantage if you can pay off your balance on time and in full. You don’t want to pay interest charges because you were hoping to earn extra points.
CNBC Select analyzed hundreds of cards that offer welcome bonuses and rounded up the best deals.
Best for 0% APR
Wells Fargo Active Cash® Card
On Wells Fargo’s secure site
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Rewards
Unlimited 2% cash rewards on purchases
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Welcome bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
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Annual fee
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Intro APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% 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.
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Regular APR
19.74%, 24.74%, or 29.74% Variable APR
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Balance transfer fee
Intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
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Foreign transaction fee
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Credit needed
Pros
- Unlimited cash rewards
- $200 cash rewards welcome bonus
- No annual fee
- Introductory APR period for first 12 months
- Access to Visa Signature® Concierge
- Get up to $600 cell phone protection (subject to a $25 deductible)
Cons
- 3% fee charged on foreign transactions
Who’s this for? The Wells Fargo Active Cash® Card offers the best of both worlds, with a generous 0% intro APR offer and one of the strongest welcome bonuses you can find with a no-annual-fee credit card.
Welcome bonus: Once approved, you can earn a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. That averages out to only about $167 in spending per month to earn the bonus.
Standout benefits: You can receive a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% 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.
Best for flexible rewards
Chase Sapphire Preferred® Card
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Rewards
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.
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Welcome bonus
Get up to $1,050 in Chase TravelSM value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
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Annual fee
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Intro APR
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Regular APR
20.99% – 27.99% variable on purchases and balance transfers
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Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
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Foreign transaction fee
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Credit needed
Pros
- Points are worth 25% more when redeemed for travel via Chase Travel℠
- Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
- Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
- No fee charged on purchases made outside the U.S.
Cons
- $95 annual fee
- No introductory 0% APR
Who’s this for? The Chase Sapphire Preferred Card has a loyal following among travelers looking for a travel-centric rewards program and a robust suite of perks.
Welcome bonus: You can earn up to $1,050 in Chase TravelSM value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Standout benefits: You can get more value from your rewards by taking advantage of Chase’s airline and hotel transfer partners, such as United Airlines MileagePlus, British Airways Executive Club and World of Hyatt. These partners unlock the ability to book luxury hotels and business-class flights for fewer points.
Pro tip: You can pair this card with a Chase bank account
When you open a Chase Total Checking® account, you can earn a $300 bonus after you make at least $500 in direct deposits within 90 days of opening the account. You can also waive the monthly maintenance fee with qualifying activities.
Chase Total Checking®
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Annual Percentage Yield (APY)
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Minimum balance to open
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Monthly service fee
$12 or $0 with one of the following, each monthly statement period: Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR a balance at the beginning of each day of $1,500 or more in this account, OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
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Free ATM network
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
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ATM fee reimbursement
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Overdraft fee
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Mobile check deposit
JPMorgan Chase Bank, N.A. Member FDIC
Best for premium perks
The Platinum Card® from American Express
On the American Express secure site
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Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases
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Welcome bonus
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
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Annual fee
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Intro APR
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Regular APR
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Balance transfer fee
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Foreign transaction fee
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Credit Needed
Pros
- Up to $200 in annual airline fee credits
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. Terms Apply.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. (The Hotel Collection requires a minimum two-night stay. Certain room categories are not eligible for upgrade)
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. (Enrollment required)
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. (Enrollment is required for select benefits mentioned)
Cons
- $695 annual fee
- No special financing offers on new purchases
Who’s this for? The Platinum Card® from American Express is for those looking to travel in luxury and benefit from high rewards on eligible airfare and hotel expenses.
Welcome bonus: The Amex Platinum Card is currently offering a phenomenal welcome bonus of 80,000 Membership Rewards® points after spending $8,000 within six months of card membership.
Standout benefits: The card comes with a steep annual fee (see rates and fees) but the perks help offset it. Every year, you can earn over $1,000 in statement credits for purchases such as airline fees, digital entertainment (enrollment required), hotels and much more. Terms apply.
Pro tip: You can pair this card with an Amex bank account
An American Express® Rewards Checking account comes with a 1.00% APY and no monthly maintenance fees. Plus, you’ll earn Membership Rewards points on eligible debit card purchases (one point for every $2 in eligible spending).
American Express® Rewards Checking Account
American Express National Bank is a Member FDIC.
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Monthly maintenance fee
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Minimum deposit to open
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Minimum balance
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Annual Percentage Yield (APY)
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Free ATM network
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ATM fee reimbursement
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Overdraft fee
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Mobile check deposit
Click here to view terms and conditions.
Best for cash back
Capital One Savor Cash Rewards Credit Card
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Rewards
Earn 8% cash back on Capital One Entertainment purchases, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel; Terms apply, 3% cash back on dining and at grocery stores (excluding superstores like Walmart® and Target®), 3% cash back on popular streaming services and entertainment, and 1% cash back on all other purchases
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Welcome bonus
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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Annual fee
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Intro APR
0% intro APR on purchases and balance transfers for 15 months
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Regular APR
19.74% – 29.74% variable
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Balance transfer fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
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Foreign transaction fee
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Credit needed
Pros
- 3% cash back on dining and entertainment purchases
- Ability to redeem rewards at any amount, unlike some other cards with $25 minimums
- Competitive special financing offer on both new purchases and balance transfers
- No fee charged on purchases made outside the U.S.
Cons
- 3% balance transfer fee on the amounts transferred within the first 15 months
Best for no annual fee
Capital One Quicksilver Cash Rewards Credit Card
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Rewards
1.5% cash back on every purchase
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Welcome bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
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Annual fee
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Intro APR
0% intro APR for 15 months on purchases and balance transfers
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Regular APR
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Balance transfer fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
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Foreign transaction fee
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Credit needed
Pros
- No annual fee
- Low spending requirement for the welcome bonus
- Redeem cash back for any amount at any time
- No foreign transaction fee
Cons
- 3% balance transfer fee during the first 15 months your account is open
- No bonus rewards categories
Who’s this for? The Capital One Quicksilver Cash Rewards Credit Card is a great choice for those looking for a no-annual-fee credit card that has a generous welcome bonus.
Welcome bonus: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Standout benefits: You can finance purchases or transfer debt with a 0% intro APR for the first 15 months from account opening. After that, a 19.74% – 29.74% variable APR applies. There is an introductory 3% fee on the amounts transferred within the first 15 months (4% at a promotional APR that Capital One may offer you at any other time).
Best for everyday spending
Chase Freedom Unlimited®
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Rewards
Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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; and 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 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.
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Welcome bonus
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!
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Annual fee
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Intro APR
0% for the first 15 months from account opening on purchases and balance transfers
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Regular APR
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Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
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Foreign transaction fee
3% of each transaction in U.S. dollars
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Credit needed
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Member FDIC. Terms apply.
Pros
- No annual fee
- Rewards can be transferred to a Chase Ultimate Rewards card
- Generous welcome bonus
Cons
- 3% fee charged on foreign transactions
Who’s this for? The Chase Freedom Unlimited® offers a unique limited-time welcome bonus without a specific spending requirement.
Welcome bonus: You will 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.
Standout benefit: You have access to travel protections such as auto rental collision damage waivers, trip cancellation and interruption insurance, and travel and emergency assistance.
Best for rotating bonus categories
Discover it® Cash Back
On Discover’s secure site
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Rewards
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
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Welcome bonus
Discover will match all the cash back earned for all new cardmembers at the end of your first year.
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Annual fee
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Intro APR
0% for 15 months on purchases and balance transfers
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Regular APR
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Balance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Foreign transaction fee
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Credit needed
Pros
- Cash-back program
- Generous welcome bonus
Cons
- Cash-back categories must be activated each quarter
- Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%
Who’s this for? The Discover it® Cash Back offers valuable rotating bonus categories and a uniquely generous welcome bonus.
Welcome bonus: Discover will match all the cash back new card members earn at the end of the first year. There is no limit to how much cash back you can earn with this offer, so it essentially doubles the value you receive from purchases for your first year.
Standout benefits: New Discover it® Cash Back accounts receive an intro 0% APR on purchases and qualifying balance transfers for 15 months. After the intro-APR ends, a 18.74% – 27.74% variable APR applies. An intro 3% balance transfer fee applies and up to a 5% fee on future balance transfers (see terms)*.
Pro tip: You can pair this card with a Discover bank account
If you want to do all your banking in one place, the Discover® Cashback Debit Checking account offers a debit card that earns 1.00% cash back on up to $3,000 in debit card purchases each month. You can also earn a generous return on your cash with a Discover® Online Savings Account.
Discover® Cashback Debit Checking
Discover® Bank is a Member FDIC.
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Monthly maintenance fee
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Minimum deposit to open
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Minimum balance
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Rewards
1% cash back on up to $3,000 in debit card purchases each month. See website for details by clicking “Learn More”.
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Free ATM network
60,000+ Allpoint® and MoneyPass® ATMs
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ATM fee reimbursement
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Overdraft fee
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Mobile check deposit
Discover® Online Savings Account
Discover® Bank is a Member FDIC.
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Annual Percentage Yield (APY)
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Minimum balance
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Monthly fee
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Maximum transactions
Up to 6 free withdrawals or transfers per statement cycle
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Excessive transactions fee
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Overdraft fee
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Offer checking account?
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Offer ATM card?
Yes, if have a Discover® checking account
Best for booking travel
Chase Sapphire Reserve®
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Rewards
Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025
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Welcome bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
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Annual fee
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Intro APR
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Regular APR
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Balance transfer fee
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Foreign transaction fee
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Credit needed
Pros
- $300 annual travel credit for travel purchases
- Global Entry or TSA PreCheck application fee credit up to $120 every four years
- Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
- Points are worth 50% more when redeemed for travel via Chase Travel℠
- Special benefits at The Luxury Hotel & Resort Collection
- Complimentary year of Lyft Pink membership
Cons
- High annual fee, but it can be offset by taking advantage of all the card’s perks
- No introductory APR
- Estimated rewards earned after 1 year: $1,469
- Estimated rewards earned after 5 years: $3,346
Rewards totals incorporate the points earned from the welcome bonus
Who’s this for? The Chase Sapphire Reserve® has a great rewards rate for travel purchases and top-tier built-in travel protections.
Welcome bonus: You can earn 60,000 bonus points after spending $4,000 on purchases within the first three months from account opening.
Standout benefits: The card comes with an annual travel credit worth up to $300. It’s incredibly easy to use since any travel purchase automatically triggers the credit.
Best for low annual fee
Capital One Venture Rewards Credit Card
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Rewards
5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel 2X miles per dollar on every other purchase
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Welcome bonus
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
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Annual fee
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Intro APR
N/A for purchases and balance transfers
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Regular APR
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Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
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Foreign transaction fee
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Credit needed
Pros
- 5 miles per dollar on hotel and rental cars booked through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Cons
- No introductory APR
- There’s a $95 annual fee
Who’s this for? The Capital One Venture Rewards Credit Card is for people who want luxury benefits without paying the high annual fee of a premium credit card.
Welcome bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $750 in travel
Standout benefits: You can transfer your miles to any of Capital One’s travel partners. This includes useful airlines such as Air Canada Aeroplan, British Airways Executive Club, Singapore Airlines KrisFlyer and Air France/KLM Flying Blue and hotels such as Choice Privileges and Wyndham Rewards.
Best for IHG points
IHG One Rewards Premier Credit Card
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Rewards
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts, 5 points per $1 spent on purchases on travel, at gas stations, and restaurants, 3 points per $1 spent on all other purchases
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Welcome bonus
Earn 140,000 Bonus Points
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Annual fee
-
Intro APR
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Regular APR
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Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
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Foreign transaction fee
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Credit needed
Pros
- Automatic Platinum Elite status as long as you remain a Premier card member
- One reward night after each account anniversary year at eligible IHG hotels worldwide
- Fourth reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years
Cons
- No annual travel credits
- No introductory 0% APR
- Estimated points earned after 1 year: 173,089
- Estimated points earned after 5 years: 365,446
Rewards totals incorporate the points earned from the welcome bonus
Who’s this for? The IHG One Rewards Premier Credit Card offers a range of benefits that can enhance your hotel stays with the IHG umbrella of brands, including Holiday Inn, Kimpton, Hotel Indigo and more.
Welcome bonus: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Standout benefits: Every account anniversary year, you receive a free night that’s valid at IHG hotels costing up to 40,000 points.
Best for Marriott stays
Marriott Bonvoy Boundless® Credit Card
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Rewards
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining; 1 Elite Night Credit towards Elite Status for every $5,000 spent; earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, and 2X points for every $1 spent on all other purchases
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Welcome bonus
Our best points offer! Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
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Annual fee
-
Intro APR
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Regular APR
20.99% – 27.99% variable on purchases and balance transfers
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Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
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Foreign transaction fee
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Credit needed
Terms apply. Information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
Pros
- Free Night Award every year
- Helps expedite elite status
- Solid rewards rate
Cons
- Annual fee
- Some bonus spending categories are capped
Who’s this for? The Marriott Bonvoy Boundless® Credit Card can help Marriott loyalists earn status and boost their points balance.
Welcome bonus: Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening
Standout benefits: For every account anniversary, you’ll receive a Free Night Award valid for one night costing up to 35,000 points.
Best for United miles
United Club℠ Infinite Card
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Rewards
Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining, and 1 mile per $1 spent on all other purchases
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Welcome bonus
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
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Annual fee
-
Intro APR
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Regular APR
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Balance transfer fee
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Foreign transaction fees
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Credit needed
Member FDIC. Terms apply.
Pros
- United Club membership with access to over 45 United Club locations and participating Star Alliance™ affiliated lounges worldwide
- Up to $100 Global Entry or TSA PreCheck fee credit every four years
- No fee on purchases made outside the U.S.
Cons
- High annual fee
- No intro 0% APR period
Who’s this for? The United Club℠ Infinite Card can help you earn loads of United miles and unlock premium benefits like free checked bags and access to United Clubs.
Welcome bonus: You can earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Standout benefits: United Club Infinite Card members receive a United Club membership each year they have the card. Other perks include complimentary first and second checked bags when you fly with United, 25% back on in-flight purchases and priority check-in, boarding and baggage handling.
Best for Hilton loyalists
Hilton Honors American Express Surpass® Card
On the American Express secure site
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Rewards
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio; 6X points for eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 4X Points for each dollar on U.S. Online Retail Purchases; 3X points for other eligible purchases
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Welcome bonus
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
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Annual fee
-
Intro APR
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Regular APR
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Balance transfer fee
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Foreign transaction fee
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Credit needed
Pros
- Excellent earning rate at Hilton Hotels
- Generous welcome bonus
- Instant Gold elite status
Cons
- Hilton points aren’t as valuable as other travel rewards
- Has an annual fee
Who’s this for? The Hilton Honors American Express Surpass® Card is great if you want to make your Hilton stays more rewarding and don’t want to pay a high annual fee.
Welcome bonus: 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms apply.
Standout benefits: You get up to $200 back annually on eligible Hilton purchases (up to $50 in statement credits each quarter). This card also comes with automatic Hilton Gold status, granting upgrades to preferred rooms, free breakfast or daily food and beverage credit.
Best business card for Hilton
The Hilton Honors American Express Business Card
On the American Express secure site
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Rewards
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases, earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
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Welcome bonus
Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
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Annual fee
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Intro APR
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Regular APR
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Balance transfer fee
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Foreign transaction fee
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Credit needed
Pros
- No foreign transaction fees
- Comes with Hilton Gold status and an opportunity to earn Hilton Diamond status
Cons
- Limited flexibility with the points you earn
Who’s this for? The Hilton Honors American Express Business Card is geared toward small business owners who regularly stay at Hilton properties.
Welcome bonus: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
Standout benefits: Every year, Hilton Honors Business Card members can receive up to $240 back on eligible Hilton purchases they make with their card (up to $60 in statement credits each quarter). They also receive complimentary mid-tier Hilton Honors Gold status.
Best for no spending required
Prime Visa
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Rewards
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership, unlimited 1% back on all other purchases
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Welcome bonus
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
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Annual fee
$0 (but Prime membership is required)
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Intro APR
-
Regular APR
-
Balance transfer fee
Either $5 or 4% of the amount of each transfer, whichever is greater.
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Foreign transaction fee
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Credit needed
Member FDIC. Terms apply.
Pros
- No annual fee
- 5% back at Amazon.com and Whole Foods Market
- No fee charged on purchases made outside the U.S.
Cons
- Prime membership is required
- The 5% back on groceries only applies to groceries bought on Amazon.com, Amazon Fresh or at Whole Foods Market
Who’s this for? The Prime Visa, issued by Chase, is one of few cards that automatically award a welcome bonus after account approval.
Welcome bonus: If you get approved for this card, you’ll get a $200 Amazon Gift Card instantly upon approval. This offer is exclusively for Prime members.
Standout benefits: As a Visa Signature card, you also enjoy perks like travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, purchase protection and extended warranty protection.
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
More on our top credit card sign-up bonuses
Wells Fargo Active Cash® Card
Rewards
- Unlimited 2% cash rewards on all purchases
Welcome bonus
Earn $200 in cash rewards after spending $500 in purchases in the first three months of account opening.
Annual fee
$0
Notable perks
In addition to the introductory APR offer, the Wells Fargo Active Cash® Card offers cell phone insurance for damage, theft and loss of a cell phone. This coverage has a $25 deductible. You can be reimbursed up to $600 per claim (max of two claims every 12 months).
Chase Sapphire Preferred® Card
Rewards
- 5X points per dollar on travel purchased through Chase Travel℠
- 5X points per dollar on Lyft rides through March 31, 2025
- 5X total points on Peloton equipment and accessory purchases of $150 or more (earn a maximum of 25,000 through March 31, 2025)
- 3X points per dollar on dining
- 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
- 3X points per dollar on select streaming services.
- 2X points per dollar on all other travel purchases
- 1X points per dollar on all other purchases
Welcome bonus
Enjoy up to $1,050 in Chase TravelSM value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Annual fee
$95
Notable perks
The Chase Sapphire Preferred® Card has many helpful benefits, such as a $50 Annual Chase Travel Hotel Credit, no foreign transaction fees and a 10% points boost every account anniversary.
It also offers exceptional travel and purchase protections, including baggage delay insurance, trip delay reimbursement, rental car collision coverage, trip cancellation and interruption insurance, purchase protection and extended warranty protection.
Your Chase Ultimate Rewards points are typically worth one cent each for redemptions like gift cards or cash back. You can boost the value of your points by 25% (to 1.25 cents each) when you use this card to book travel through Chase Travel℠. The Sapphire Preferred also gives you access to Chase’s airline and hotel transfer partners.
The Platinum Card® from American Express
Rewards
- 5X points per dollar spent on flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
- 5X points per dollar spent on prepaid hotels booked with American Express Travel
- 1X point per dollar spent on all other purchases
Welcome bonus
Earn 80,000 points after spending $8,000 on eligible purchases within the first six months of card membership.
Annual fee
$695 (see rates and fees)
Notable perks
The Platinum Card from American Express has a long list of annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and other benefits, including:
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. Terms Apply.
- Up to $200 annual airline fee credit (enrollment required)
- Up to $300 per calendar year Equinox credit (enrollment required)
- Up to $100 annual Saks Fifth Avenue credit (enrollment required)
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Up to $240 annual digital entertainment credit (enrollment required)
- Up to $155 annual Walmart+ credit. (Plus Ups are not eligible. Subject to auto renewal. Up to $12.95 plus applicable taxes on one membership fee
- Top-tier airport lounge access, which includes free visits to American Express Centurion Lounges, Plaza Premium Lounges, Priority Pass lounges (enrollment required), Delta Sky Clubs and Lufthansa Lounges.
You can also enjoy peace of mind when traveling and shopping with a huge variety of coverages that include:
- Rental car insurance* (Underwritten by Amex Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Trip delay insurance* (Underwritten by New Hampshire Insurance Company, an AIG Company.)
- Trip cancellation and interruption insurance* (Underwritten by New Hampshire Insurance Company, an AIG Company.)
- Cell phone protection* (Underwritten by New Hampshire Insurance Company, an AIG Company.)
- Return protection*
- Purchase protection* (Underwritten by Amex Assurance Company.)
- Extended warranty coverage* (Underwritten by Amex Assurance Company.)
- Terms apply.
* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
American Express Membership Rewards points can be redeemed for statement credits, gift cards and retail purchases. However, you also have the option of transferring Amex points to airline and hotel partners, including Delta SkyMiles, British Airways Executive Club, Marriott Bonvoy and more.
Capital One Savor Cash Rewards Credit Card
Rewards
- 5% cash back on hotels and rental cars you book Capital One Travel
- 3% cash back at grocery stores
- 3% cash back on dining
- 3% cash back on entertainment
- 3% cash back on popular streaming services
- 1% cash back on every other purchase
Welcome bonus
Earn a limited-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Annual fee
$0
Notable perks
The Capital One Savor Cash Rewards Credit Card has no foreign transaction fee and you can benefit from 0% intro APR on purchases and balance transfers for 15 months, then a 19.74% to 29.74% variable APR applies. The balance transfer fee is 3% for the first 15 months and 4% at a promotional APR that Capital One may offer you at any other time.
Capital One Quicksilver Cash Rewards Credit Card
Rewards
- 1.5% cash back on every purchase
Welcome bonus
Earn a $200 cash bonus after spending $500 on purchases within three months from account opening.
Annual fee
$0
Notable perks
The Capital One Quicksilver Cash Rewards Credit Card has no foreign transaction fee and may include travel accident insurance*, 24-hour travel assistance, extended warranty protection and access to premier culinary, entertainment and sports event experiences.
*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
Chase Freedom Unlimited
Rewards
- 5% back on travel purchased through Chase Travel℠
- 5% back on Lyft rides (through March 2025)
- 3% back at drugstores
- 3% back on dining at restaurants (including takeout and eligible delivery services)
- 1.5% on all other purchases.
Welcome bonus
Earn an additional 1.5% cash back on every purchase on up to $20,000 spent in the first year.
Annual fee
$0
Notable perks
In addition to earning rewards, the Chase Freedom Unlimited® offers a 0% intro APR for the first 15 months from account opening on balance transfers and purchases. After that, a 19.99% – 28.74% variable APR applies. The intro balance transfer fee is 3% of the amount of each transfer ($5 minimum) on transfers made within 60 days of account opening. After that, it’s either 5% of the amount of each transfer with a $5 minimum.
The card provides travel insurance such as rental car collision coverage, trip cancellation/interruption insurance and travel and emergency assistance. It also offers purchase protection and extended warranty protection.
Discover it® Cash Back
Rewards
- 5% cash back for up to $1,500 in purchases in rotating quarterly bonus categories you activate (then 1% cash back)
- 1% cash back on all other purchases
Welcome bonus
For new card members, Discover will match the cash back you earn during the first year with no minimum spending requirement or cap on the match.
Annual fee
$0
Notable perks
The Discover it® Cash Back offers new card members an introductory 0% APR on purchases and balance transfers for 15 months (after that, a 18.74% – 27.74% variable APR). An intro 3% balance transfer fee applies and up to a 5% fee on future balance transfers. This card also has no foreign transaction fees.
Chase Sapphire Reserve®
Rewards
- 10X total points on hotels and car rentals purchased through Chase Travel℠*
- 10X points on Lyft purchases through March 2025
- 10X points on Chase Dining purchases
- 10X total points on Peloton equipment and accessory purchases of $150 or more (earn a maximum of 50,000 total points through March 31, 2025)
- 5X total points on flights purchased through Chase Travel℠*
- 3X points on other travel*
- 3X points on dining
- 1X points on all other purchases
*After the first $300 is spent on travel purchases annually
Welcome bonus
You’ll earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Annual fee
$550
Notable perks
The Chase Sapphire Reserve® provides access to statement credit offers, which can help to make the card’s annual fee worth it. You can earn up to $300 in annual travel credits and up to $120 in application fee credit for Global Entry, TSA PreCheck or NEXUS (once every four years).
When you’re flying, you can relax in style with airport lounge access. You are granted unlimited complimentary Priority Pass airport lounge visits, including Sapphire airport lounges. This card has no foreign transaction fees and an incredible amount of insurance protections, including:
- Purchase protection
- Extended warranty protection
- Return protection
- Primary rental car collision coverage
- Trip delay protection
- Trip interruption/cancellation insurance
- Baggage delay protection
- Lost luggage reimbursement
- Travel accident insurance
- Emergency medical and dental insurance
- Emergency evacuation and transportation
You’ll also have access to several limited-time benefits including two years of free Lyft Pink All Access membership (worth $199 a year), you need to activate this by Dec. 31, 2024. You can also enroll to receive 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, 2027.
The Chase Ultimate Rewards points you earn with this card are worth one cent each when you redeem them for things like cash and gift cards. You can boost that value by 50% (to 1.5 cents a point) when you redeem for travel through Chase Travel℠.
For anyone who wants to maximize the value they receive, you’ll want to look at Chase’s airline and hotel partners. With the Sapphire Reserve, you can transfer Chase points at a 1:1 ratio to any travel partner program, including Virgin Atlantic Flying Club, Emirates Skywards, Southwest Airlines Rapid Rewards and JetBlue TrueBlue.
Capital One Venture Rewards Credit Card
Rewards
- 5X miles per dollar on hotel and rental cars booked through Capital One Travel
- 2X miles per dollar on every other purchase
Welcome bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Annual fee
$95
Notable perks
Benefits of the Capital One Venture Rewards Credit Card include a Global Entry or TSA PreCheck® application fee credit every four years worth up to $120 and no foreign transaction fees.
The card also comes with extended warranty protection, travel accident insurance, and rental car collision coverage. You can get access to Capital One Dining and Capital One Entertainment, which grants you access to exclusive sports, music and culinary experiences.
Capital One miles are worth one cent each when you use them to book travel through Capital One Travel. You can also use your miles to offset travel purchases you make with your card and receive the same one cent per mile value. Perhaps the best feature of this card is that it gives you access to Capital One’s hotel and airline transfer partners. You can transfer the miles you earn to a long list of travel loyalty programs including Accor live Limitless, Air Canada Aeroplan, Etihad Guest, Qantas and others.
**Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
IHG One Rewards Premier Credit Card
Rewards
- 10X points at IHG hotels and resorts
- 5X points on travel
- 5X points at gas stations
- 5X points at restaurants
- 3X points on all other purchases
Welcome bonus
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Annual fee
$99
Notable perks
The IHG One Rewards Premier Credit Card comes with automatic IHG Platinum status and you can earn Diamond Elite status after spending $40,000 on the card in a calendar year. Along the way to earn Diamond status, you can earn a $100 statement credit and 10,000 IHG points after spending $20,000 on your card in a calendar year.
If you also travel with United Airlines, you’ll appreciate the up to $50 in United TravelBank Cash you get each year ($25 deposited twice per year). Plus, you can breeze through airport security or customs after signing up for Global Entry, TSA PreCheck® or NEXUS and having your application fee reimbursed (up to $100, once every four years; $120 starting 10/1/24).
Your IHG points become more valuable just by having the card because of its fourth-night free benefit. With this feature, if you use points to book a stay of at least four consecutive nights, the fourth night is free.
On top of all that, every year card members receive a free night award that’s valid at IHG hotels costing 40,000 points or less. You can also purchase IHG points with a 20% discount with this card.
Marriott Bonvoy Boundless® Credit Card
Rewards
- 6X Marriott points at participating Marriott Bonvoy hotels
- 3X Marriott points on the first $6,000 spent each year on grocery stores, dining and gas stations
- 2X Marriott points on all other purchases
Welcome bonus
Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening
Annual fee
$95
Notable perks
With the Marriott Bonvoy Boundless® Credit Card, every year after the account anniversary, you’ll receive a Free Night Award valid at properties costing up to 35,000 points per night. A useful feature of Marriott’s Free Night Awards is that you can top them off with up to 15,000 points. This allows you to use the annual award night for rooms that cost up to 50,000 points, which gives you more options.
You’ll receive Marriott Bonvoy Silver status just for having the card and you receive Gold status after spending $35,000 on purchases in a calendar year. Each calendar year, you’ll also receive 15 Elite Night Credits and one Elite Night Credit for every $5,000 you spend on the card.
You won’t pay any foreign transaction fees with this card. It also comes with baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and purchase protection.
United Club℠ Infinite Card
Rewards
- 4X miles on United purchases
- 2X miles on all other travel
- 2X miles on dining
- 1X miles on all other purchases
Welcome bonus
You’ll earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Annual fee
$525
Notable perks
The biggest reason to get the United Club℠ Infinite Card is for unlimited United Club airport lounge access. Depending on your elite status level, a United Club membership would normally cost $550 to $650 per year (or 75,000 to 85,000 miles), so it’s cheaper to just get this card.
This card also has many travel perks that make it worthwhile, even after you’ve left the United airport lounge. It comes with:
- First and second checked bags for free on United flights (for you and a companion when you pay for the flight with the card)
- Priority check-in, boarding, baggage handling and security screening
- Up to $100 back for Global Entry, TSA PreCheck or NEXUS
- 25% back on inflight United purchases and premium United Club drink purchases
- Earn up to 10,000 Premier Qualifying Points (PQP) per calendar year (earn 25 PQP for every $500 you spend on the card)
- Save 10% on economy Saver Awards within the continental U.S. or between the continental U.S. and Canada
- IHG One Rewards Platinum status
- Up to $75 in IHG statement credits each year
- Avis President’s Club status (enrollment required)
- Car rental collision coverage
- Trip cancellation/interruption insurance
- Purchase protection
- No foreign transaction fees
Hilton Honors American Express Surpass® Card
Rewards
- 12X points on eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
- 6X points on dining at restaurants in the U.S.
- 6X points at U.S. gas stations
- 6X points at U.S. supermarkets
- 4X points on U.S. online retail purchases
- 3X points on all other eligible purchases
Welcome bonus
You’ll receive 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms apply.
Annual fee
$150 (see rates and fees)
Notable perks
The Hilton Honors American Express Surpass® Card pays for itself with up to $200 in statement credits for eligible Hilton purchases each year (up to $50 in credits per quarter). This card is also amazing for big spenders because you can earn a Free Night Reward after spending $15,000 on purchases with the card in a calendar year. Plus, it comes with automatic Hilton Honors Gold status with the ability to upgrade to Hilton Honors Diamond status after spending at least $40,000 on the card in a calendar year.
Other benefits include:
- National Emerald Club Executive status (enrollment required)
- Baggage insurance*
- Rental car damage and loss coverage
- No foreign transaction fees (see rates and fees)
- Purchase protection*
- Extended warranty protection*
- Terms apply
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
The Hilton Honors American Express Business Card
Rewards
- 12X points on eligible Hilton purchases
- 5X points on the first $100,000 in purchases each calendar year, then 3X points thereafter.
Welcome bonus
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
$195 annual fee (see rates and fees)
Notable perks
If you enjoy the perks that come with hotel elite status, you’ll love the Hilton Honors American Express Business Card’s complimentary Hilton Honors Gold status. It also allows you to earn Hilton Honors Diamond status through the end of the calendar year when you spend $40,000 or more on the card in a calendar year.
In addition, every year card members can receive up to $240 in statement credits for eligible Hilton purchases. You get up to $60 in statement credit per quarter on eligible Hilton purchases. This card also has no foreign transaction fees (see rates and fees), National Car Rental® Emerald Club Executive® status, purchase protection* and extended warranty coverage*.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company
Prime Visa
Rewards
- 5% cash back at Amazon.com
- 5% cash back at Amazon Fresh
- 5% cash back at Whole Foods
- 5% cash back on Chase Travel purchases
- 2% cash back at gas stations
- 2% cash back at restaurants
- 2% cash back on local transit
- 1% cash back on all other purchases
Welcome bonus
You can get a $200 Amazon Gift Card instantly upon approval (exclusively for Amazon Prime members).
Annual fee
$0 (Amazon Prime membership is required)
Notable perks
The Prime Visa has no foreign transaction fees and insurance perks that matter, such as:
- Purchase protection
- Extended warranty protection
- Baggage delay insurance
- Rental car collision coverage
- Lost luggage reimbursement
- Roadside dispatch
- Travel accident insurance
- Travel and emergency assistance
How to choose a credit card based on its intro bonus
A credit card’s welcome bonus is often the most valuable benefit. However, it’s only a one-time perk, so you’ll want to carefully consider everything else the card offers before applying.
As you’re analyzing intro bonus offers, it’s important to pay attention to two factors: Bonus value and requirements.
Bonus value
For certain types of cards, it’s simple to estimate the bonus value. For example, a cash bonus of $500 is worth $500, but how much are 50,000 points or miles worth?
The answer depends on the type of rewards and how you intend to use them:
- Hotel points or airline miles: Only redeemable within the specific program, limiting your options
- Transferrable points: These can typically be moved to many different airlines or hotels, which could provide you with more choices.
This added flexibility can increase the value of flexible rewards, so 50,000 transferrable points are generally worth more than 50,000 hotel points.
Bonus requirements
If you’re approved for a card, you’ll still need to meet the spending requirement before you’re awarded any bonus points, miles or cash.
To ensure you can hit the spending threshold without overspending, look at your credit card statement for the past few months or the year. This should give you a good idea of how much you can expect to spend on your new card. If you usually spend $1,500 on your credit card(s) each month, then any card with a spending requirement of $4,500 or less within three months should be achievable.
You can also plan your credit card application around bigger, but less frequent expenses. If you’re paying your annual insurance premiums or booking lodging for your yearly vacation, it might make sense to apply for a card beforehand.
Credit card welcome bonus pros and cons
Card credit intro bonuses can help you collect loads of miles, points or other rewards.
However, these are one-time bonuses, and you need to look at a card’s benefits and perks to get the full picture of whether it’s a worthy addition to your wallet. Welcome bonuses also typically have spending requirements that need to be met within a certain timeframe and these requirements aren’t always easy to meet.
Pros
- Welcome bonuses can be exceptionally valuable, even when factoring in the spending requirement. The best offers may provide 10X to 20X points per dollar on the spending you need to make to earn the bonus.
- Intro bonuses allow you to quickly earn enough rewards to book more valuable redemptions, such as business-class flights or luxury hotels that typically have higher point or mile requirements.
Cons
- A card’s welcome bonus could entice you to spend more than you otherwise would have. In this scenario, you may end up paying interest if you can’t afford to pay off the balance.
- Intro bonuses are one-off card benefits, so you need to make sure the card’s ongoing perks are worth it or offset the annual fee (if there is one).
FAQs
What is a credit card sign-up bonus?
A credit card sign-up bonus is an incentive to entice consumers to open a new credit card and make purchases with the card. You typically need to spend a certain amount within a specified period to earn the bonus.
How do credit card sign-up bonuses work?
Credit card sign-up bonuses are typically one-time offers you can qualify for when you open a new card. These rewards often come in the form of cashback, points or miles, and generally require spending a certain amount of money with that card within the first few months of account opening. The spending thresholds vary but generally range from $500 to $5,000.
Are credit card sign-up bonus offers worth it?
Credit card sign-up bonuses can be worth it as they can add hundreds of dollars (or sometimes even over a thousand dollars) back to your wallet and are generally non-taxable since you had to spend money to earn them. However, you should only pursue a welcome bonus if you can meet the spending requirement without overspending or stretching yourself too thin. You don’t want to carry a balance just to earn a bonus since the interest charges could outweigh the value of any rewards you earn.
How many credit card sign-up bonuses can you earn?
Some card issuers like American Express limit the number of sign-up bonuses you can earn for a card to once per lifetime, while others may allow you to earn a sign-up bonus multiple times, but may make you wait a certain period of time before being eligible again.
What sign-up bonuses are the easiest to get?
Cashback cards generally have sign-up bonuses that are easier to earn.
What is the best credit card sign-up bonus?
Are credit card sign-up bonuses taxed?
Credit card sign-up bonuses are typically not considered taxable income because they usually have a spending requirement, which makes them a form of rebate or discount.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit card sign-up bonuses.
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Our methodology
To determine which cards offer the best value, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S. and offer welcome bonuses.
We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back.
Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
For rates and fees of the Discover it® Cash Back, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Hilton Honors American Express Business Card, click here.
For rates and fees for the Hilton Honor Surpass Card, click here.
Information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.