10 Excellent Credit Cards with Signup Bonuses in 2021

Credit card sign-up bonuses are a great way for banks to keep their clients by giving them small tokens of appreciation in the form of cash back, cash advances, extra miles, savings, etc. There is a great number of credit cards available, and we’ve created this article to help you find the best credit card signup bonus for you.

We will provide you with a comparison and contrast of ten different credit cards, describing each of them using the same criteria. We will also inform you on how we decided on which criteria to use, and give you some tips on what to keep in mind when choosing a credit card.

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1. Chase Sapphire Reserve

All things considered, this credit card has an amazing loyalty program for everyone who is into luxury travel and fine dining. Chase Sapphire Reserve will get you where you need to go in style and help you save a little, while you’re at it. Simply put, with Chase Sapphire Reserve you’re getting one of the best travel bonus options out there. Full Review

  • $300 travel allowance yearly
  • Earn when traveling or dining
  • Many useful perks
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All things considered, this credit card has an amazing loyalty program for everyone who is into luxury travel and fine dining. Chase Sapphire Reserve will get you where you need to go in style and help you save a little, while you’re at it. Simply put, with Chase Sapphire Reserve you’re getting one of the best travel bonus options out there. Full Review

Fees

4.5/5

Interest Rates

4.9/5

Rewards

4.5/5

Benefits

4.8/5

2. United Explorer Card

The Explorer Card is a great miles bonus credit card, especially if you like to fly with United. For a very reasonable fee, you’ll get amazing perks which include earning miles with every purchase, access to multiple lounges, and many others. Even though it leans more in favor of those who like to travel with United only, this is still one of the best airline credit card deals available at the moment. Full Review

  • 1 year free
  • Low annual fee
  • Great for United Airlines loyalists
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The Explorer Card is a great miles bonus credit card, especially if you like to fly with United. For a very reasonable fee, you’ll get amazing perks which include earning miles with every purchase, access to multiple lounges, and many others. Even though it leans more in favor of those who like to travel with United only, this is still one of the best airline credit card deals available at the moment. Full Review

Fees

4/5

Interest Rates

4.9/5

Rewards

5/5

Benefits

4.7/5

3. Bank of America Travel Rewards

This is the best credit card with a signup bonus and no annual fee when it comes to loyal Bank of America clients. You can get a free FICO score, a digital wallet through the BoA app, 24/7 customer support, and more. It’s almost hard to believe they don’t charge annual fees for it. Full Review

  • No annual fee
  • No intro APR
  • Points can’t expire
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This is the best credit card with a signup bonus and no annual fee when it comes to loyal Bank of America clients. You can get a free FICO score, a digital wallet through the BoA app, 24/7 customer support, and more. It’s almost hard to believe they don’t charge annual fees for it. Full Review

Fees

5/5

Interest Rates

4.9/5

Rewards

4.5/5

Benefits

4.7/5

4. Discover It Cash Back

This great rewards program card from Discover gives you generous signup bonuses in 2021. Not only do you get rewards as cash back every time you spend, but you also get that reward doubled at the end of the first year. Combine that with no annual fee and numerous other perks, and you have yourself a serious contender in the race for the "best card with a signup bonus" title. Full Review

  • Points eligible at Amazon checkout
  • Cash back matching
  • 0% intro APR
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This great rewards program card from Discover gives you generous signup bonuses in 2021. Not only do you get rewards as cash back every time you spend, but you also get that reward doubled at the end of the first year. Combine that with no annual fee and numerous other perks, and you have yourself a serious contender in the race for the "best card with a signup bonus" title. Full Review

Fees

4.7/5

Interest Rates

5/5

Rewards

4.8/5

Benefits

4.8/5

5. World of Hyatt

If you love luxury hotels, then you must have come across Hyatt many times. With their World of Hyatt card (powered by Visa), you get a chance to earn yourself some free nights at Hyatt’s premium hotels and resorts every time you spend money. Now, you don’t need a financial management team to tell you that this is the way to save up for a nice vacation. Full Review

  • Great for Hyatt customers
  • High-value rewards
  • No foreign currency fees
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If you love luxury hotels, then you must have come across Hyatt many times. With their World of Hyatt card (powered by Visa), you get a chance to earn yourself some free nights at Hyatt’s premium hotels and resorts every time you spend money. Now, you don’t need a financial management team to tell you that this is the way to save up for a nice vacation. Full Review

Fees

3/5

Interest Rates

4.9/5

Rewards

4.5/5

Benefits

4.8/5

6. Quicksilver Rewards

With no annual fee and 15 months with no APR, Quicksilver Rewards from Capital One is a great card for everyone looking to get quick and straightforward rewards. No point system, just plain money in the bank. Add numerous other perks such as 1.5% cash back on each purchase, travel insurance, and restaurant and event access, and you can see how this card made its way onto our list of best rewards credit cards. Full Review

  • Quick returns
  • No annual fee
  • No foreign currency charges
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With no annual fee and 15 months with no APR, Quicksilver Rewards from Capital One is a great card for everyone looking to get quick and straightforward rewards. No point system, just plain money in the bank. Add numerous other perks such as 1.5% cash back on each purchase, travel insurance, and restaurant and event access, and you can see how this card made its way onto our list of best rewards credit cards. Full Review

Fees

4.7/5

Interest Rates

4.8/5

Rewards

4.9/5

Benefits

5/5

7. Blue Cash Preferred

Blue Cash Preferred is a great card for family people who just can’t help but splash out at supermarkets. Also, it helps those frequent road travelers to save up while their cars are guzzling gas. All in all, it is a card created with an average spender in mind, with simple and straightforward rewards, that can get high enough for you to pay your annual fee with them. Full Review

  • High rewards for certain spenders
  • No annual fee for 12 months
  • American Express coverage
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Blue Cash Preferred is a great card for family people who just can’t help but splash out at supermarkets. Also, it helps those frequent road travelers to save up while their cars are guzzling gas. All in all, it is a card created with an average spender in mind, with simple and straightforward rewards, that can get high enough for you to pay your annual fee with them. Full Review

Fees

4/5

Interest Rates

4/5

Rewards

4.5/5

Benefits

5/5

8. Southwest Rapid Rewards Priority

This amazing frequent flyer card from Southwest is a perfect choice for everyone who likes to fly frequently because it gives you an amazing opportunity to turn your flying into cash or more flights and in-flight perks. This and many other benefits such as earning points on hotels and car rentals, are the reason why this is probably the best signup bonus credit card for airline travel at the moment. Full Review

  • Great welcome bonus
  • Amazing for frequent flyers
  • No foreign currency fees
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This amazing frequent flyer card from Southwest is a perfect choice for everyone who likes to fly frequently because it gives you an amazing opportunity to turn your flying into cash or more flights and in-flight perks. This and many other benefits such as earning points on hotels and car rentals, are the reason why this is probably the best signup bonus credit card for airline travel at the moment. Full Review

Fees

4.5/5

Interest Rates

4.8/5

Rewards

4.5/5

Benefits

5/5

9. American Express Gold Card

Gold Card is one of the star players from the American Express team, allowing you to earn an incredible amount by using your card in a wide variety of outlets; so much so that this is almost the biggest signup bonus credit card there is at the moment. Even though it does come with a high annual fee, this card provides you with so many opportunities for rewards, that the fee can be easily balanced out by your reward earnings. Full Review

  • High rewards rate
  • Airline credit
  • No foreign currency fees
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Gold Card is one of the star players from the American Express team, allowing you to earn an incredible amount by using your card in a wide variety of outlets; so much so that this is almost the biggest signup bonus credit card there is at the moment. Even though it does come with a high annual fee, this card provides you with so many opportunities for rewards, that the fee can be easily balanced out by your reward earnings. Full Review

Fees

5/5

Interest Rates

5/5

Rewards

4.9/5

Benefits

4.8/5

10. The Business Platinum Card

If you are a business owner, you might need to travel a lot. Well, in that case, The Business Platinum is a perfect choice for you. With great signup bonuses out there, it helps you earn more when you spend more. This is especially true if you like to earn travel points, and you are not a stranger to lounge accesses and airline-related rewards. Simply put, this is one of the greatest credit cards with signup bonuses for business owners on the go. Full Review

  • High rewards on travel spending
  • Great for business owners
  • Lounge access
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If you are a business owner, you might need to travel a lot. Well, in that case, The Business Platinum is a perfect choice for you. With great signup bonuses out there, it helps you earn more when you spend more. This is especially true if you like to earn travel points, and you are not a stranger to lounge accesses and airline-related rewards. Simply put, this is one of the greatest credit cards with signup bonuses for business owners on the go. Full Review

Fees

4.5/5

Interest Rates

4.8/5

Rewards

4.9/5

Benefits

5/5

Detailed Reviews

Chase Sapphire Reserve
Chase Sapphire Reserve
Chase Sapphire Reserve

Best Annual Travel Credit

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  • Earn when traveling or dining
  • $300 travel allowance yearly
  • Many useful perks
  • Expensive annual fee
  • High minimum credit score

Why we recommend it: Multiple traveling perks

This credit card has been Chase’s flagship recently, and according to many reviews, this is the best chase credit card offering signup bonus available now. With a minimum credit score of 720, this is an amazing solution for everyone who travels a lot, whether for business or leisure. Sapphire Reserve is a point-based merit award system, where the more you use it, the more points you make. Simple enough, right?

But its bonuses and perks are what will make you love this card even more.

– Chase will grant you 50,000 bonus points, for the first $4,000 spent in the first 3 months

– Up to 3 times more points for using the card during travel or for dining

– Additional annual reimbursement for travel expenses

And this is not all. This amazing card offers a bunch of other perks, such as:

  • Unlimited DoorDash Delivery
  • Lyft Pink Membership
  • TSA PreCheck
  • And more

Considering all this, the annual fee of $550 and the APR which varies between 16.99% and 23.99% don’t seem like a lot.

Signup bonus 50,000 points
Minimum credit score 720
Spending Required $4,000 in 3 months
Intro APR N/A
Regular APR 16.99% – 23.99%
Annual Fee $550
United Explorer Card
United Explorer Card
United Explorer Card

Good United Signup Bonus

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  • Great for United Airlines loyalists
  • 1 year free
  • Low annual fee
  • Excellent credit history needed
  • Not a lot of perks for other airlines

Why we recommend it: free for one year, great perks for United Airlines

With this card, you’re getting some of the best credit card bonuses for travelers. It seems like United has created this card with travelers in mind, because whatever you spend your money on (more or less) gets converted to miles.

And it starts from the moment you receive the card (if you meet the minimum credit score requirement of 630) – you get 60,000 free miles after spending your first $3,000 within the first 3 months, with the possibility to get 10,000 miles more if you spend a total of $6,000 within the first 6 months.

If that wasn’t amazing enough, you get to use this card without paying any fees for a year, and after that, the annual fee is as low as $95.

The card issuer, United Airlines provides you with many more perks such as earning a mile per every $2 spent, and twice that much per every $2 spent in restaurants and on certain delivery services. There are also priority boarding possibilities, early bag check-in, etc.

Signup bonus Up to 70k miles
Minimum credit score 633
Spending Required $3,000 in 3 months
Intro APR N/A
Regular APR 16.49% – 23.49%
Annual Fee $95 (first year free)
Bank of America Travel Rewards
Bank of America Travel Rewards
Bank of America Travel Rewards

Best Credit Card With No Annual Fee

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  • No annual fee
  • Points can’t expire
  • No intro APR
  • Small signup bonus
  • Points are mostly redeemable for travel-related purchases only

Why we recommend it: No annual fee, no intro APR, points don’t expire

Just as the name suggests, this card was also created with travelers in mind. The Bank of America signup bonus for this card includes 25,000 points (roughly worth around $250) after spending your first $1,000. On top of that, you get additional 1.5 points for every $1 spent. All of this, of course, if you meet the 750 minimum credit score requirement.

There is no grace period for spending the points, meaning you can save them up for as long as you wish.

What makes this card a real game-changer is the fact that there is absolutely no annual fee. This makes it possibly the best no-fee credit card with a signup bonus.

Another perk of this card is that the introductory APR is 0%, and it stays so for 12 statement cycles. After that, your APR is calculated based on your credit score.

Signup bonus 25,000 points
Minimum credit score 750+
Spending Required $1,000
Intro APR N/A
Regular APR Based on your credit score portfolio
Annual Fee $0
Discover It Cash Back
Discover It Cash Back
Discover It Cash Back

Best Cash Back Options

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  • 0% intro APR
  • Cash back matching
  • No annual fee
  • Points eligible at Amazon checkout
  • Not widely accepted outside the US
  • Cashback can be complicated to calculate

Why we recommend it: 0% inntro APR, double the cashback

Another card with no annual fee. With a minimum credit score requirement of 700, it’s a great cashback bonus credit card. It helps you earn money while spending money. But there’s a lot more to it – Discover will match all the cashback you earned and double it (!) at the end of the first year. Talk about easy money.

On top of that, you can earn an unlimited 1% on all purchases, and your rewards and points never expire. This $0 annual fee card also comes with a 0% APR for the first 14 months. It is accepted in more than 90% of places within the US, which makes it a perfect choice for everyone looking for a good, reliable local rewards card. In so many words, this is probably the best cash back credit card that offers a signup bonus available at the moment.

Signup bonus N/A (double the rewards in the first year)
Minimum credit score 700
Spending Required N/A
Intro APR N/A
Regular APR 11.99% – 22.99% (after the first 14 months)
Annual Fee $0
World of Hyatt
World of Hyatt
World of Hyatt

Best For Hyatt Hotel Rewards

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  • No foreign currency fees
  • Great for Hyatt customers
  • High-value rewards
  • Rewards limited to Hyatt hotels and resorts
  • Annual fee

Why we recommend it: Free hotel stays, nice extra perks, no foreign currency fees

This card issued by the Hyatt Group has one of the best hotel credit card options that have a signup bonus. It offers you a free stay in any Hyatt hotel or resort (categories 1-4) after your first year, and on top of that, you can earn up to 25,000 points after spending $3,000 within the first 3 months, with an option to earn another 25,000 points if your spending goes up to $6,000 within the first 6 months. All this if you meet the minimum credit score of 700.

There are numerous other ways to earn a free night’s stay at any of the Hyatt hotels and resorts, and they all include collecting points through using this card. This is also a great credit card for an anniversary bonus because it grants you extra perks for every year of your loyalty to the brand.

With an annual fee of $95 and an APR which varies between 15.99% and 22.99%, this is not exactly the most affordable signup bonus credit card for hotel guests, but for anyone who knows what Hyatt has to offer in terms of luxury and quality of service, this is a no-brainer.

Signup bonus  25,000 points
Minimum credit score 700
Spending Required $3,000 in 3 months
Intro APR N/A
Regular APR 15.99% – 22.99%
Annual Fee $95
Quicksilver Rewards
Quicksilver Rewards
Quicksilver Rewards

Lowest Required Spending

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  • No foreign currency charges
  • No annual fee
  • Quick returns
  • APR a bit higher than the competition
  • No bonus reward rates

Why we recommend it: 0% intro APR, no foreign fee

Quicksilver Rewards comes from Capital One and is probably the best signup bonus credit card in terms of how quickly you earn your rewards. After meeting the minimum credit score of 700, Quicksilver Rewards gives you a signup bonus of $200 dollars after you spend as little as $500. No calculations, no points, just good old money in the bank. Compared to other cards we’ve analyzed, this is one of the top credit cards that has a signup bonus with a low spending requirement, and as such it is ideal for everyone who likes their rewards to come quickly and in cash.

Other than that, Capital One does not charge you an annual fee, and there is no APR for the first 15 months of use. However, within that same period (15 months) there is a 3% balance transfers fee requirement.

Are you looking for 0% apr credit cards with signup bonus? Well, good news: there’s a 0% intro APR for the first 15 months. After which, a pretty standard regular APR of 15.49% – 25.49% is charged. This card is a great choice for everyone who likes to keep it straightforward and simple in terms of rewards.

Signup bonus  $200
Minimum credit score 700
Spending Required $500
Intro APR 0% (first 15 months)
Regular APR 15.49% – 25.49%
Annual Fee $0
Blue Cash Preferred
Blue Cash Preferred
Blue Cash Preferred

Quick $300 Cash Back

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  • High rewards for certain spenders
  • 2.7% foreign currency fee
  • No annual fee for 12 months
  • American Express coverage

Why we recommend it: high rewards, no annual fee for a yearr

This card from American Express is probably among the best cash back cards for everyday card users with a credit score higher than 700. What do we mean by this? Well, Blue Cash Preferred offers you a cash back bonus every time you shop at a supermarket (6% in the first year) and gas stations (3%). That is just an amazing offer for everyone looking to save up on their daily spending. These rewards are so good, that you can save up enough to cover your annual fee if you spend $31 in supermarkets daily.

On top of this, American Express has a limited high cash back offer which includes a reward of $300 after spending your first $3,000, together with no annual fee in the first year.

Combine that with their usual 1% cash back on all other purchases, and you can see why this is one of the best credit card cash signup bonus options for daily spenders.

As we mentioned, the annual fee is not charged for the first year, and after that, it is $95 dollars. There is also a 0% introductory APR, and it remains that way for the first 12 months, after which the regular APR is 13.99% – 23.99%.

Signup bonus $300
Minimum credit score 700+
Spending Required $3,000
Intro APR 0% (first year)
Regular APR 13.99% – 23.99%
Annual Fee $95 (after the first year)
Southwest Rapid Rewards Priority
Southwest Rapid Rewards Priority
Southwest Rapid Rewards Priority

Best For Southwest Airlines Customers

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  • Great welcome bonus
  • Amazing for frequent flyers
  • Rewards don’t expire
  • No foreign currency fees
  • Limited to Southwest Airlines
  • Annual fee
  • No intro APR offer

Why we recommend it: rewards don’t expire, great for frequent flyers

With this priority card, you can get the best Southwest signup bonus at the moment. This card is a great fit for anyone who is a frequent flyer (and has a credit score of 700-749) and a Southwest Airlines loyalist. The points are easy to earn, and the best part is that they don’t expire, so no fuss. Fly whenever you feel like it.

First of all, Southwest treats you with an amazing 40,000 points if you spend just $1,000 within the first 3 months. Other than that, you are rewarded with points and travel cash back credit each year, as a part of their loyalty program. These rewards alone are often enough to offset a somewhat hefty annual fee of $149. You can see why this is one of the best travel signup bonus credit card options.

Other than that, Southwest Rapid Rewards Priority also lets you save on inflight drinks and WiFi, earning points on all types of purchases every time you spend. 

With a regular APR of 15.99% – 22.99%, this is one of the best airline credit cards with signup bonus options for everyone who flies often and prefers Southwest.

Signup bonus 40,000 points
Minimum credit score 700-749
Spending Required $1,000 in 3 months
Intro APR N/A
Regular APR 15.99%-22.99%
Annual Fee $149

This amazing frequent flyer card from Southwest is a perfect choice for everyone who likes to fly frequently because it gives you an amazing opportunity to turn your flying into cash or more flights and in-flight perks. This and many other benefits such as earning points on hotels and car rentals, are the reason why this is probably the best signup bonus credit card for airline travel at the moment.

American Express Gold Card
American Express Gold Card
American Express Gold Card

Best For American Express Membership Rewards

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  • Airline credit
  • High rewards rate
  • No foreign currency fees
  • High annual fee
  • American Express has a lower coverage than other banks

Why we recommend it: no foreign fee, high rewards rate

This is probably the highest-rated sign-up bonus credit card for points on this list. With the American Express Gold, you can get as many as 60,000 Membership Reward points, if you spend $4,000 within the first 3 months (and if your credit score is above 700).

But even after you’ve claimed your initial bonus, this card just keeps on giving you more points with its amazing point multipliers for using the card in restaurants around the world, flights, and supermarkets. It needs to be mentioned that while you do earn 3x points for supermarket shopping, there is a set spending limit at $25,000, after which you earn regular 1x points.

On top of all that, you can use this card abroad with absolute peace of mind, since there are no foreign currency charges. And the intro APR is 0%, becoming 15.99%-22.99% later on. All of this shows you why this is one of the best new credit cards with signup bonus options at the moment.

Signup bonus 60,000
Minimum credit score 700+
Spending Required $4,000 in 3 months
Intro APR 0% (first year)
Regular APR 15.99% – 22.99%
Annual Fee $250
The Business Platinum Card
The Business Platinum Card
The Business Platinum Card

Best For Traveling Business Owners

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  • Great for business owners
  • High rewards on travel spending
  • Airline credit
  • Lounge access
  • High annual fee
  • Low rewards on non-travel spending

Why we recommend it: high rewards for traveling, lounge access

Another entry from American Express, with a minimum credit score requirement of 700. This card is great for small business owners who spend a bit more and are more inclined to travel. While Gold was one of the highest rewarding cards, The Business Platinum is easily the highest signup bonus credit card, with a whopping 75,000 points in rewards after spending $15,000 within the first 3 months. This may sound like a lot of money, but we need to underline that this card was designed for business owners.

On top of that, The Business Platinum Card also gives you the opportunity to earn 5x more points when you’re traveling, and it gives you a 35% bonus for selected airlines.

If you are interested in acquiring some points through this business card signup bonus, you should also be aware that their regular APR varies from 14.24% to 22.24%. This card also comes with a comparatively high annual fee of $595.

Signup bonus 75,000 points
Minimum credit score 700
Spending Required $15,000 in 3 months
Intro APR N/A
Regular APR 14.24% – 22.24%
Annual Fee $595

How to choose the best signup bonus credit card?

In this section, we’re going to share what factors you need to consider when choosing a credit card with a  signup bonus.

Rewards type

Always keep in mind what kind of rewards you’re interested in getting. Some people are looking for frequent flyer miles, some are looking for hotel discounts, and so on. Make sure you know what you want the rewards for so you don’t end up with unused points.

Redemption options

Investigate just how you can redeem your points. Most banks offer cash back, some offer cheques, or cash that is only usable with certain merchants. These are some fine details you need to pay attention to.

Bonus requirements

Make sure that you are familiar with absolutely all of the card issuer’s requirements before committing to a card. These include annual fees, interchange fees, foreign currency rates, etc.

Card’s minimum spending requirement

When you find a credit card with the best signup bonus, you will need to spend some money before getting it. Check just how much money you need to spend over what period of time in order to get your initial bonus.

Rates & fees/ Hidden convenience fees

Always read the fine print. Just like with every contract, credit cards can come with some hidden fees that won’t show in the beginning but may be a very unpleasant surprise somewhere down the line.

What Is a Credit Card Sign-Up Bonus?

Signup bonuses are a common tool among card issuer companies, used to attract more clients. Basically, they are gifts that the issuer gives you for choosing their card.

These gifts can come in many different forms, but they are most commonly found in the form of cash bonus credit cards (you get a certain percentage of your purchase returned to your account) or loyalty program points. The points are often very clearly defined, meaning that they can be used for very specific purposes (airline miles, store discounts, etc.) or with specific types of merchants (supermarkets, gas stations, computer shops, etc.).

Before penning that credit card contract, attracted by the amazing offer, please make sure you check just how usable your points are going to be. You don’t want to end up with millions of loyalty points you cannot redeem.

Get the Most Out of Your Signup Bonus Credit Card

In this section, we’re going to give you a few short tips on how to make the most out of your signup bonus.

  • Make sure that your bank or card issuer explains all the benefits to you before you accept.
  • Read the online reviews to make sure just how easily you can use your loyalty points.
  • Make sure that you are not biting off more than you can chew. Some cards come with a rather high annual fee, so you want to be sure that you are able to earn enough points to settle that fee, so you don’t end up paying more than you earned because of fees and interest rates.
  • Look at what companies your bank is partnered with. For example, if you are looking to get the best credit card airline miles signup bonus, check if your bank is sponsoring any airline companies. This often means that you might be able to get some free miles.
  • Always check on your points and don’t let them expire.
  • Follow your card issuer on social media to stay up to date with their latest promotions.

Who Can Be Approved for Credit Cards?

This is a very common question if you are not into the whole world of banking and credit cards. But, in essence, it is not a complicated issue at all.

When applying for a credit card, the issuer needs to take a look at your credit score. Your credit score is based on your credit history, which is basically a portfolio of your banking activities. Companies and banks do this in order to protect their investment. They want to make sure that you won’t be a credit risk, and that you don’t have any outstanding debt with your previous card issuers. Basically, if you’ve been responsible, your credit report will be good and you will be approved for the card you want.

With most issuers, the minimum credit score is between very good and excellent, meaning at least 700.

Best Credit Card Signup Bonus at a Glance

How We Created This List – Our Methodology

In this section, we’re going to take a look at the criteria we used when creating this list. It can be extremely helpful if you are not particularly up to date on this matter, or if you’re trying to find what is a suitable credit card with a signup bonus for you.

We looked at each card from different angles, in order to make sure that only the best options end up on our list. Here is an overview of what we considered:

Credit score

Before approving your credit card request, the card issuer will have to take a look at your credit score. This shows them how diligent you were with your payments in the past, and if there is any debt or bad credit associated with your name. Most card issuers require a high credit score of around 700 or higher.

Application process

Here, we considered just how easy or difficult it is to apply for the card. We especially considered whether you need to visit your bank personally, or if the whole matter can be resolved over the phone or online.

Intro bonuses and rewards

We compared the cards based on how many bonuses and rewards they provide, and just how much you need to spend in order to activate those bonuses.

APRs and other fees

Fees are an inevitable part of banking, but in order to make sure that you’re not paying a fortune in fees, we carefully analyzed just how much you will be paying in annual fees and APR, and if there are any hidden fees. To our surprise, we’ve found that a considerable number of these cards offer great signup bonuses with no annual fee.

Customer Satisfaction

This was one of the most important factors when narrowing down our list of the top credit cards with signup bonuses. We looked at user reviews from different online portals and cross-referenced them in order to filter out the best ones.

Key Takeouts

Credit cards are a part of our everyday life, and for a good reason. They are easy to use, they are becoming increasingly safer, and now they come bearing gifts, too.

There is an incredible number of credit cards with a signup cash bonus, loyalty points, and more. We gave you our opinion on what the best credit card offers are, and now it’s up to you.

Always make sure that you are dealing with well-known card issuers that will do their best to protect you from cyber crimes and credit card fraud.

Research, read reviews, and ask around before you choose what you think is the best credit card for you.

FAQ

How do I get a credit card with a signup bonus?

In most cases, the card issuer will contact you if you are eligible for a card and inform you about all the perks included. They will let you know exactly what you need to do in order to get your signup bonus. In most cases, it is merely a matter of spending a certain amount of money over a period of time.

Which credit card has the best signup bonus?

It all depends on your needs. Those looking for a credit card with a signup bonus in the form of cash will love Blue Cash Preferred, while frequent travelers will adore Chase Sapphire Reserve.

Which card gives maximum rewards?

When it comes to money rewards, Blue Cash Preferred is the answer, as it offers a $300 cash back signup bonus.

How can I get a $500 credit card?

That’s highly unlikely. While finding a $500 signup bonus or even a $1,000 sounds amazing, you’ll hardly come upon such a good offer.

What credit cards give you money for signing up?

It seems like most or all of the options on this list give money bonuses for new users which come in the form of cash back, airline miles, or even cheques. Now it is just a matter of finding the bonus that fits your needs the most and choosing the best credit card signup bonus for you.