Sign up bonus credit cards
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CK Editors’ Tips††: Credit card sign-up bonuses can be one of the best ways to load up on rewards, but you’ll want to make sure the card also offers ongoing value.Read more
What to consider when choosing a credit card with a sign-up bonus
It’s always important to see if a credit card has a useful sign-up bonus, but it usually shouldn’t be your only reason to get a card. While these bonuses can help boost your rewards balances within a few short months of opening the card, there’s ultimately no substitute for ongoing value, especially when you’re paying an annual fee. Plus, you’ll want to make sure you’re not spending more than you can afford just to hit the threshold for earning the bonus.
It’s always important to see if a credit card has a useful sign-up bonus, but it usually shouldn’t be your only reason to get a card. While these bonuses can help boost your rewards balances within a few short months of opening the card, there’s ultimately no substitute for ongoing value, especially when you’re paying an annual fee. Plus, you’ll want to make sure you’re not spending more than you can afford just to hit the threshold for earning the bonus.
How we picked the best credit card sign-up bonuses
Our list of the best credit card sign-up bonuses involves assessing the latest offers available from issuers and determining each bonus’s value via Credit Karma’s most recent estimated point valuations. We then check the list each month to determine if the bonuses are still active and relevant, and we add new top bonuses when appropriate. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksOur list of the best credit card sign-up bonuses involves assessing the latest offers available from issuers and determining each bonus’s value via Credit Karma’s most recent estimated point valuations. We then check the list each month to determine if the bonuses are still active and relevant, and we add new top bonuses when appropriate. Read more about our methodology for picking the best credit cards.
Great for flexible cash back††
Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
Rewards rate
1% - 3%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1% - 3% Cash back
Annual fee
$0
Welcome bonus
$200
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Rewards rate
1.5xPoints per dollarAnnual fee
$0Welcome bonus
25,000PointsEditors' bonus estimate
$250
Rewards rate
1.5x Points per dollar
Annual fee
$0
Welcome bonus
25,000 Points
Editors' bonus estimate
$250
- 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.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for earning more miles††
Great for earning more miles††
United Quest℠ Card
Rewards rate
1x - 3xMiles per dollarAnnual fee
$250Welcome bonus
60,000Miles
Rewards rate
1x - 3x Miles per dollar
Annual fee
$250
Welcome bonus
60,000 Miles
- Earn 60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- $250 Annual Fee
Wells Fargo Autograph℠ Card
Rewards rate
1x - 3xPoints per dollarAnnual fee
$0Welcome bonus
20,000Points
Rewards rate
1x - 3x Points per dollar
Annual fee
$0
Welcome bonus
20,000 Points
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Great for commuter students††
Great for commuter students††
Discover it® Student chrome
Rewards rate
1% - 2%Cash backAnnual fee
$0
Rewards rate
1% - 2% Cash back
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Discover it® Miles
Rewards rate
1.5xMiles per dollarAnnual fee
$0
Rewards rate
1.5x Miles per dollar
Annual fee
$0
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
Rewards rate
2%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
2% Cash back
Annual fee
$0
Welcome bonus
$200
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Great for longer hotel stays††
Great for longer hotel stays††
Citi Premier® Card
Rewards rate
1x - 3xPoints per dollarAnnual fee
$95Welcome bonus
60,000Points
Rewards rate
1x - 3x Points per dollar
Annual fee
$95
Welcome bonus
60,000 Points
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
United Gateway℠ Card
Rewards rate
1x - 2xMiles per dollarAnnual fee
$0Welcome bonus
20,000Miles
Rewards rate
1x - 2x Miles per dollar
Annual fee
$0
Welcome bonus
20,000 Miles
- Earn 20,000 bonus miles
- No annual fee
Upgrade Card
Rewards rate
N/AAnnual fee
$0
Rewards rate
N/A
Annual fee
$0
- Earn a $400 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- $0 annual fee, $0 activation fees, $0 foreign transaction fees
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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.