RateHerald

Ranked by the size of the bonus

Credit card sign-up bonuses

Every welcome offer we're tracking, with the spending each one needs. 178 cards.

Checked Oct 12, 2026

November 2026 listUpdated

The largest cash welcome bonus today: $2,000 cash back on Capital One Spark 2% Cash Plus, after $30,000 in purchases in 3 months.

$2,000​cash backthe largest cash bonus

178cards, all of them listed

107with no annual fee

No card here matches both. Clear a filter to see more.

Cash bonuses

Sorted by largest first.

  1. 1Capital One Spark 2% Cash PlusCapital OneNeeds $10,000 a monthOnce per lifetime on this card familyWelcome bonus$2,000 cash backafter $30,000 in 3 monthsFirst year$450without the bonusAnnual fee$150Purchase APRNot stated
  2. 2Capital One Spark Cash CardCapital OneNeeds $3,334 a monthOnce per lifetime on this card familyWelcome bonus$1,000 cash backafter $10,000 in 3 monthsFirst year$600without the bonusAnnual fee$95 annual fee after your first yearPurchase APR24.74%
  3. 3Ink Business Premier(R) Credit CardChaseNeeds $3,334 a monthOnce per lifetimeWelcome bonus$1,000 cash backafter $10,000 in 3 monthsFirst year$405without the bonusAnnual fee$195Purchase APR17.99–28.74%
  4. 4Ink Business Cash Credit CardChaseOnce per lifetime on this card familyWelcome bonus$750 cash backafter $6,000 in 3 monthsFirst year$1,110bonus includedAnnual fee$0Purchase APR16.99–24.99%
  5. 5Ink Business Unlimited Credit CardChaseOnce per lifetime on this card familyWelcome bonus$750 cash backafter $6,000 in 3 monthsFirst year$1,200bonus includedAnnual fee$0Purchase APR16.99–24.99%
  6. 6Spark 1.5% Cash SelectCapital OneOnce per lifetime on this card familyWelcome bonus$750 cash backafter $6,000 in 3 monthsFirst year$1,200bonus includedAnnual fee$0Purchase APR16.99–26.99%
  7. 7Triple Cash Rewards Visa® Business Credit CardUS BankWelcome bonus$750 cash backafter $6,000 in 6 monthsFirst year$1,170bonus includedAnnual fee$0Purchase APR17.49–26.49%
  8. 8Business Advantage Cash Rewards Credit Card with 3% Choice CategoryBank of AmericaWelcome bonus$500 cash backafter $5,000 in 3 monthsFirst year$835bonus includedAnnual fee$0Purchase APR16.99–26.99%
  9. 9Business Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of AmericaWelcome bonus$500 cash backafter $5,000 in 3 monthsFirst year$950bonus includedAnnual fee$0Purchase APR16.99–26.99%
  10. 10Our Best Cash Rewards Business Credit CardWells FargoWelcome bonus$500 cash backafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR16.99–24.99%
  11. 11BECU Business Cash Back Credit CardBECUOnce per 12 monthsWelcome bonus$300 cash backafter $3,000 in 3 monthsFirst year$750bonus includedAnnual fee$0Purchase APR17.24%
  12. 12Truist Business Cash Rewards Credit CardTruistWelcome bonus$300 cash backafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR17.99–26.99%
  13. 13Disney Premier Card from ChaseChaseOnce per 24 monthsWelcome bonus$300Disney Gift Card eGift and statement credit, after $500 in 3 monthsFirst year$385bonus includedAnnual fee$49Purchase APR18.49–27.99%
  14. 14Bank of America Platinum Plus® Mastercard® Business Credit CardBank of AmericaWelcome bonus$300 cash backafter $3,000 in 3 monthsFirst year$300bonus includedAnnual fee$0Purchase APR14.99–25.99%
  15. 15Sage Business Enhanced Visa® Credit CardRegionsWelcome bonus$300 cash backafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR16.24–26.24%
  16. 16Bank of America® Unlimited Cash Rewards Credit CardBank of AmericaWelcome bonus$250 cash backafter $1,000 in 3 monthsFirst year$700bonus includedAnnual fee$0Purchase APR17.74–27.74%
  17. 17Bank of America® Unlimited Cash Rewards Credit Card for StudentsBank of AmericaWelcome bonus$250 cash backafter $1,000 in 3 monthsFirst year$700bonus includedAnnual fee$0Purchase APR17.74–27.74%
  18. 18Chase Freedom Flex Credit CardChaseOnce per 24 monthsWelcome bonus$250 cash backafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.49–27.99%
  19. 19AT&T Points Plus® Card from CitiCitiWelcome bonus$200 statement creditafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.74–27.74%
  20. 20Bank of America® Customized Cash Rewards Credit Card for StudentsBank of AmericaWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst year$745bonus includedAnnual fee$0Purchase APR17.74–27.74%
  21. 21BECU Cash Back Credit CardBECUWelcome bonus$200 cash backafter $2,000 in 3 monthsFirst year$200bonus includedAnnual fee$0Purchase APR16.49–25.49%
  22. 22Chase Freedom Unlimited Credit CardChaseOnce per 24 monthsWelcome bonus$200 cash backafter $500 in 3 monthsFirst year$705bonus includedAnnual fee$0Purchase APR18.49–27.99%
  23. 23Citi Double Cash® Credit CardCitiOnce per 48 monthsWelcome bonus$200 cash backafter $1,500 in 6 monthsFirst yearNot countedAnnual fee$0Purchase APR18.49–28.74%
  24. 24Credit One Bank Omni Rewards American Express® CardCredit OneWelcome bonus$200 cash backafter $1,000 in 6 monthsFirst year$800bonus includedAnnual fee$0Purchase APR29.99–30.49%
  25. 25Discover it Cash Back Credit CardDiscoverWelcome bonus$200 cash backafter $500 in 3 monthsFirst year$200bonus includedAnnual fee$0Purchase APR18.74–28.74%
  26. 26Prestige Credit CardRegionsWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.74–28.74%
  27. 27Savor RewardsCapital OneOnce per 48 monthsWelcome bonus$200 cash backafter $500 in 3 monthsFirst year$715bonus includedAnnual fee$0Purchase APR18.74–28.74%
  28. 28Susan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of AmericaWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst year$815bonus includedAnnual fee$0Purchase APR17.74–27.74%
  29. 29TD Cash Credit CardTD BankWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.74–28.74%
  30. 30U.S. Bank Cash+ Visa Signature® CardUS BankWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst year$500bonus includedAnnual fee$0Purchase APR17.99–28.24%
  31. 31Upromise® World Mastercard®BarclaysHighest we’ve seenWelcome bonus$200 cash backafter $1,000 in purchasesFirst year$200bonus includedAnnual fee$0Purchase APR18.74–29.74%
  32. 32Visa Signature Cash Rewards, Visa Signature Travel Rewards, Go Buffs Visa SignatureElevations Credit UnionOnce per 24 monthsWelcome bonus$200 cash backafter $1,000 in 3 monthsFirst year$600bonus includedAnnual fee$49Purchase APR18.24–21.00%
  33. 33AmazonChaseWelcome bonus$150 Amazon Gift CardFirst yearNot countedAnnual fee$0Purchase APR18.99–27.74%
  34. 34Disney Card from ChaseChaseOnce per 24 monthsWelcome bonusMixed: $100 Disney Gift Card eGift and $50 statement creditafter $500 in 3 monthsFirst year$300bonus includedAnnual fee$0Purchase APR18.49–27.99%
  35. 35US Bank Premier Cash Rewards Visa Signature CardUS BankWelcome bonus$150 cash backafter $500 in 3 monthsFirst year$580bonus includedAnnual fee$0Purchase APR17.74–30.74%
  36. 36Prime Visa Credit CardChaseWelcome bonus$150 Amazon Gift CardFirst year$360bonus includedAnnual fee$0Purchase APR18.99–27.74%
  37. 37Usf FCU Visa Platinum RewardsUsf Federal Credit UnionWelcome bonus$125 cash backafter $1,500 in purchasesFirst yearNot countedAnnual fee$0Purchase APR12.99–17.99%
  38. 38Usf FCU Visa Signature RewardsUsf Federal Credit UnionWelcome bonus$125 cash backafter $1,500 in purchasesFirst yearNot countedAnnual fee$0Purchase APR12.99–17.99%
  39. 39Usf FCU Visa TraditionalUsf Federal Credit UnionWelcome bonus$125 cash backafter $1,500 in purchasesFirst year$125bonus includedAnnual fee$0Purchase APR11.99–17.99%
  40. 40AARP® Essential Rewards Mastercard® from BarclaysBarclaysWelcome bonus$100 cash backafter $500 in 3 monthsFirst year$450bonus includedAnnual fee$0Purchase APR20.49–29.99%
  41. 41AARP® Travel Rewards Mastercard® from BarclaysBarclaysWelcome bonus$100 cash backafter $500 in 3 monthsFirst year$470bonus includedAnnual fee$0Purchase APR20.49–29.99%
  42. 42Wells Fargo Cash Back Credit CardWells FargoOnce per 48 monthsWelcome bonus$100 cash backafter $500 in 3 monthsFirst year$700bonus includedAnnual fee$0Purchase APR18.74–28.74%
  43. 43Regions Cash Rewards Credit CardRegionsWas $200Welcome bonus$100 cash backafter $500 in 3 monthsFirst year$550bonus includedAnnual fee$0Purchase APR18.74–28.74%
  44. 44Edge ConsumerBlue Ridge Bank, National AssociationWelcome bonus$100 cash backafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR17.49–23.49%
  45. 45Pro Xtra Credit CardCitiWelcome bonus$100 cash backFirst yearNot countedAnnual fee$0Purchase APRNot stated
  46. 46REI Co-op Mastercard Credit CardCapital OneOnce per 48 monthsWelcome bonus$100 REI gift cardFirst year$450bonus includedAnnual fee$0Purchase APR17.74–28.74%
  47. 47SEIUSM Rewards Visa® CardFNBOWelcome bonus$100USD statement credit, after $500 in purchasesFirst year$550bonus includedAnnual fee$0Purchase APR22.49–28.99%
  48. 48The Home Depot® Consumer Credit CardCitiWelcome bonus$100 cash backFirst year$100bonus includedAnnual fee$0Purchase APR29.99%
  49. 49Amazon Visa Credit CardChaseWelcome bonus$50 Amazon Gift CardFirst year$360bonus includedAnnual fee$0Purchase APR18.99–27.74%
  50. 50Quicksilver StudentCapital OneOnce per 48 monthsWelcome bonus$50 cash backafter $100 in 3 monthsFirst year$500bonus includedAnnual fee$0Purchase APR18.74–28.74%
  51. 51Savor Student Credit CardCapital OneOnce per 48 monthsWelcome bonus$50 cash backafter $100 in 3 monthsFirst year$565bonus includedAnnual fee$0Purchase APR18.74–28.74%
  52. 52The Goodyear Credit CardCitiWelcome bonus$50 cash backafter $250 in purchasesFirst year$50bonus includedAnnual fee$0Purchase APR33.74%
  53. 53JCPenney MastercardSynchronyWelcome bonus$35 cash backafter $35 in purchasesFirst yearNot countedAnnual fee$0Purchase APR33.49–33.74%
  54. 54Chase Freedom Rise Credit CardChaseOnce per 24 monthsWelcome bonus$25USD statement creditFirst year$475bonus includedAnnual fee$0Purchase APR18.49–27.99%
  55. 55The Barnes & Noble Mastercard®BarclaysWelcome bonus$25Barnes & Noble Gift CardFirst yearNot countedAnnual fee$0Purchase APR17.74–29.74%

Points and miles

Sorted by by program, then largest first: points and miles from different programs aren't comparable without a valuation.

  1. 1Mission FCU Platinum Rewards Credit CardMission Federal Credit UnionWelcome bonus150after $1,500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR13.99–17.99%
  2. 2Citi® / AAdvantage® Executive World Legend Mastercard®CitiNeeds $2,667 a monthWas 125,000Once per 48 monthsWelcome bonus80,000 AAdvantage milesafter $8,000 in 3 monthsFirst yearNot countedAnnual fee$695Purchase APR19.74–29.74%
  3. 3Citi® / AAdvantage Business™ World Elite Mastercard®CitiHighest we’ve seenWelcome bonus75,000 AAdvantage milesafter $5,000 in 5 monthsFirst yearNot countedAnnual fee$99. However, the annual fee is waived for the first 12 monthsPurchase APR19.74–28.74%
  4. 4Citi® / AAdvantage® Globe™ Mastercard®CitiOnce per 48 monthsWelcome bonus60,000 AAdvantage milesafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$350Purchase APR19.74–29.74%
  5. 5Citi® / AAdvantage® Platinum Select® World Elite Mastercard®CitiWas 80,000Once per 48 months on any Citi cardWelcome bonus50,000 AAdvantage milesafter $2,500 in 3 monthsFirst yearNot countedAnnual fee$99. However, the annual fee is waived for the first 12 monthsPurchase APR19.74–29.74%
  6. 6American Airlines AAdvantage® MileUp CardCitiOnce per 48 monthsWelcome bonus15,000 AAdvantage milesafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.74–29.74%
  7. 7Air Canada Aeroplan® CardChaseOnce per 24 monthsWelcome bonus115,000 Aeroplan pointsafter $4,000 in 12 monthsFirst yearNot countedAnnual fee$195Purchase APR19.99–28.49%
  8. 8ANA CARD USA Plus Visa ®FNBOWelcome bonus5,000ANA Mileage Club milesFirst yearNot countedAnnual fee$85Purchase APR23.74–24.24%
  9. 9Cathay Pacific Visa CardSynchronyWelcome bonus38,000 Asia Milesafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR25.24–31.49%
  10. 10Aer Lingus Credit CardChaseOnce per 24 monthsWelcome bonus75,000 Aviosafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.99%
  11. 11British Airways Credit CardChaseOnce per 24 monthsWelcome bonus75,000 Aviosafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.99%
  12. 12Iberia Credit CardChaseOnce per 24 monthsWelcome bonus75,000 Aviosafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.99%
  13. 13Bilt Obsidian CardBiltWelcome bonus200 Bilt CashFirst yearNot countedAnnual fee$95Purchase APRNot stated
  14. 14Bilt Palladium Blue CardBiltWelcome bonus50,000 Bilt Pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APRNot stated
  15. 15Bilt Palladium Obsidian CardBiltWelcome bonus50,000 Bilt Pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APRNot stated
  16. 16Palladium CardBiltWelcome bonus50,000 Bilt Pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$495Purchase APRNot stated
  17. 17GM Business™ Mastercard®BarclaysWelcome bonus100,000Business Card Points, after $5,000 in 5 monthsFirst yearNot countedAnnual fee$0Purchase APR22.49–32.49%
  18. 18Trugrocer FCU Visa ClassicTrugrocer Federal Credit UnionWelcome bonus100 cashbackafter $500 in purchasesFirst year$470bonus includedAnnual fee$0Purchase APR16.90%
  19. 19Chase Sapphire Reserve Credit CardChaseOnce per lifetimeWelcome bonus100,000Chase Ultimate Rewards points, after $6,000 in 3 monthsFirst year$575bonus includedAnnual fee$795; each authorized user: $195 per yearPurchase APR19.74–28.24%
  20. 20Choice Privileges® Select Mastercard®Wells FargoOnce per 15 months on this card familyWelcome bonus60,000Choice Privileges points, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.24–28.49%
  21. 21Choice Privileges MastercardWells FargoWas 60,000Once per 15 months on this card familyWelcome bonus40,000Choice Privileges points, after $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.24–28.49%
  22. 22Bass Pro Shops CLUB Credit CardCapital OneHighest we’ve seenOnce per 48 monthsWelcome bonus75 CLUB Pointsafter $25 in purchasesFirst yearNot countedAnnual fee$0Purchase APRNot stated
  23. 23Cabela's CLUB Credit CardCapital OneHighest we’ve seenOnce per 48 monthsWelcome bonus75 CLUB Pointsafter $25 in purchasesFirst yearNot countedAnnual fee$0Purchase APR19.74–31.24%
  24. 24CLUB Business Credit CardCapital OneWelcome bonus75 CLUB Pointsafter $1,000 in 2 monthsFirst yearNot countedAnnual fee$0Purchase APRNot stated
  25. 25Delta SkyMiles® Platinum American Express CardAmerican ExpressMatches its bestWelcome bonus100,000Delta SkyMiles miles, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$350Purchase APR19.74–28.74%
  26. 26Delta SkyMiles® Blue American Express CardAmerican ExpressWelcome bonus80,000Delta SkyMiles miles, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.74–28.74%
  27. 27Delta SkyMiles® Gold American Express CardAmerican ExpressWelcome bonus80,000Delta SkyMiles miles, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$150Purchase APR19.74–28.74%
  28. 28Delta SkyMiles® Reserve American Express CardAmerican ExpressWelcome bonus80,000Delta SkyMiles miles, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$650Purchase APR19.74–28.74%
  29. 29Marriott Bonvoy BoundlessChaseOnce per 24 months on this card familyWelcome bonus3 Free Night Awardsafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.99%
  30. 30IHG One Rewards Premier Select Credit CardChaseOnce per 24 monthsWelcome bonus200,000IHG One Rewards points, after $5,000 in 3 monthsFirst yearNot countedAnnual fee$350Purchase APR19.49–27.99%
  31. 31IHG One Rewards Business Credit CardChaseWelcome bonus190,000IHG One Rewards points, after $5,000 in 3 monthsFirst yearNot countedAnnual fee$200Purchase APR19.49–27.99%
  32. 32IHG One Rewards Premier Credit CardChaseHighest we’ve seenOnce per 24 months on this card familyWelcome bonus180,000IHG One Rewards points, after $3,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR19.49–27.99%
  33. 33IHG One Rewards Credit CardChaseOnce per 24 months on this card familyWelcome bonus125,000IHG One Rewards points, after $2,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.49–27.99%
  34. 34Instacart Credit CardChaseOnce per 24 monthsWelcome bonus50 Instacart creditFirst yearNot countedAnnual fee$0Purchase APR18.49–27.99%
  35. 35Marriott Bonvoy Bountiful Travel Credit CardChaseOnce per 24 monthsWelcome bonus85,000Marriott Bonvoy points, after $4,000 in 3 monthsFirst yearNot countedAnnual fee$250Purchase APR19.49–27.99%
  36. 36Marriott Bonvoy BoldChaseOnce per 24 months on this card familyWelcome bonus45,000Marriott Bonvoy points, after $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.49–27.99%
  37. 37Capital One Venture X BusinessCapital OneNeeds $10,000 a monthHighest we’ve seenOnce per lifetime on this card familyWelcome bonus300,000 milesafter $40,000 in 4 monthsFirst yearNot countedAnnual fee$395Purchase APRNot stated
  38. 38Capital One Venture BusinessCapital OneNeeds $3,334 a monthWelcome bonus100,000 milesafter $10,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR24.74%
  39. 39United Business Credit CardChaseMatches its bestOnce per 24 monthsWelcome bonus100,000 milesafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$150Purchase APR19.99–28.49%
  40. 40Marriott Bonvoy Brilliant® American Express® CardAmerican ExpressWelcome bonus80,000 milesafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$650Purchase APR19.74–28.74%
  41. 41United Explorer Credit CardChaseOnce per 24 monthsWelcome bonus70,000 milesafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$0 Intro fee for the first year. After that, $150Purchase APR19.99–28.49%
  42. 42Air France KLM Visa® Credit Card From Bank of AmericaBank of AmericaWelcome bonus50,000 Milesafter $2,000 in 3 monthsFirst yearNot countedAnnual fee$89Purchase APR19.74–27.74%
  43. 43Capital One VentureOne BusinessCapital OneWelcome bonus50,000 milesFirst yearNot countedAnnual fee$0Purchase APR16.99–22.99%
  44. 44United Gateway CardChaseMatches its bestOnce per 24 monthsWelcome bonus50,000 milesafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.99–28.49%
  45. 45VentureOne RewardsCapital OneOnce per 48 months on this card familyWelcome bonus20,000 milesafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.74–28.74%
  46. 46The One Key® Card No Annual Fee Credit CardWells FargoOnce per 48 months on this card familyWelcome bonus250 OneKeyCashafter $2,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.49–28.49%
  47. 47OnePay Cash Rewards World MastercardSynchronyWelcome bonus35 OnePay PointsFirst yearNot countedAnnual fee$0Purchase APR20.49–31.49%
  48. 48Bank of America® Premium Rewards® Credit CardBank of AmericaWelcome bonus60,000 online pointsafter $4,000 in 3 monthsFirst year$980bonus includedAnnual fee$95Purchase APR19.74–27.74%
  49. 49Business Advantage Travel Rewards World Mastercard®Bank of AmericaWelcome bonus50,000 online pointsafter $5,000 in 3 monthsFirst year$570bonus includedAnnual fee$0Purchase APR16.99–26.99%
  50. 50Sapphire Reserve for Business Credit CardChaseNeeds $5,000 a monthOnce per lifetimeWelcome bonus200,000 pointsafter $30,000 in 6 monthsFirst year−$440without the bonusAnnual fee$795Purchase APRNot stated
  51. 51Business Essentials™ Plus Visa® CardUS BankNeeds $3,000 a monthWelcome bonus100,000 Pointsafter $15,000 in 5 monthsFirst year$415without the bonusAnnual fee$295Purchase APRNot stated
  52. 52Chase Ink Business Preferred Credit CardChaseNeeds $2,667 a monthOnce per lifetimeWelcome bonus100,000 pointsafter $8,000 in 3 monthsFirst year$240without the bonusAnnual fee$95Purchase APR17.99–26.99%
  53. 53Southwest Rapid Rewards Priority Credit CardChaseOnce per 24 months on this card familyWelcome bonus90,000 pointsafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$229Purchase APR19.49–27.99%
  54. 54Wyndham Rewards Earner® Plus CardBarclaysWelcome bonus90,000 pointsafter $1,000 in purchasesFirst yearNot countedAnnual fee$95Purchase APR19.49–29.99%
  55. 55Southwest Rapid Rewards Premier Credit CardChaseOnce per 24 months on this card familyWelcome bonus85,000 pointsafter $2,000 in 3 monthsFirst yearNot countedAnnual fee$149Purchase APR19.49–27.99%
  56. 56Atmos™ Rewards Summit Visa Infinite® Credit CardBank of AmericaWelcome bonus80,000 pointsafter $4,000 in purchasesFirst yearNot countedAnnual fee$395Purchase APR19.74–27.74%
  57. 57Bank of America® Premium Rewards® Elite Credit CardBank of AmericaWelcome bonus75,000 pointsafter $5,000 in purchasesFirst year$675bonus includedAnnual fee$550Purchase APR19.74–27.74%
  58. 58Chase Sapphire Preferred Credit CardChaseOnce per lifetimeWelcome bonus75,000 pointsafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.74%
  59. 59Atmos™ Rewards Ascent Visa Signature® Alaska Airlines Credit CardBank of AmericaHighest we’ve seenWelcome bonus70,000 pointsafter $2,500 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.74–27.74%
  60. 60Royal ONE Plus™ Visa Signature® Credit CardBank of AmericaWelcome bonus60,000 pointsafter $2,500 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR17.74–27.74%
  61. 61Southwest Rapid Rewards Premier Business Credit CardChaseWelcome bonus60,000 pointsafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$149Purchase APR19.49–27.99%
  62. 62World of Hyatt Credit CardChaseWelcome bonus60,000 PointsFirst yearNot countedAnnual fee$95Purchase APR19.49–27.99%
  63. 63Business Essentials™ Visa® CardUS BankWelcome bonus50,000 Pointsafter $5,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APRNot stated
  64. 64Flagship Premier Visa Signature®Navy FederalWelcome bonus50,000 pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR15.74–18.00%
  65. 65U.S. Bank Business Essentials Visa® CardUS BankWelcome bonus50,000 pointsafter $5,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APRNot stated
  66. 66Wyndham Rewards Earner® Business CardBarclaysWelcome bonus45,000 pointsafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$149Purchase APR19.74–29.74%
  67. 67Texans CU Premier Rewards CardTexans Credit UnionWelcome bonus40,000 pointsafter $2,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR13.65–17.99%
  68. 68Allways Rewards Visa Credit CardBank of AmericaWelcome bonus30,000 pointsafter $1,500 in 3 monthsFirst yearNot countedAnnual fee$59Purchase APR19.74–27.74%
  69. 69GM Rewards™ Mastercard®BarclaysWelcome bonus30,000 pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR22.49–32.49%
  70. 70Royal ONE™ Visa Signature® Credit CardBank of AmericaWelcome bonus30,000 pointsafter $1,500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR17.74–27.74%
  71. 71Amtrak Guest Rewards® Preferred Mastercard®FNBOWelcome bonus25,000 pointsafter $1,500 in purchasesFirst yearNot countedAnnual fee$99Purchase APR26.74–27.24%
  72. 72Bank of America® Travel Rewards Credit CardBank of AmericaWelcome bonus25,000 pointsafter $1,000 in purchasesFirst year$420bonus includedAnnual fee$0Purchase APR17.74–27.74%
  73. 73Bank of America® Travel Rewards Credit Card for StudentsBank of AmericaHighest we’ve seenWelcome bonus25,000 pointsafter $1,000 in 3 monthsFirst year$700bonus includedAnnual fee$0Purchase APR17.74–27.74%
  74. 74Visa Rewards, Visa, Buff One VisaElevations Credit UnionOnce per 24 monthsWelcome bonus25,000 pointsafter $1,000 in 3 monthsFirst year$550bonus includedAnnual fee$0Purchase APR11.74–21.00%
  75. 75Carnival Rewards™ Mastercard®BarclaysWelcome bonus20,000 pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.74–29.74%
  76. 76Navy Federal More Rewards American Express® CardNavy FederalWelcome bonus20,000 pointsafter $2,000 in 3 monthsFirst year$765bonus includedAnnual fee$0Purchase APR14.15–18.00%
  77. 77Our Best Rewards Credit CardWells FargoOnce per 48 monthsWelcome bonus20,000 pointsafter $1,000 in 3 monthsFirst year$655bonus includedAnnual fee$0Purchase APR18.74–28.74%
  78. 78U.S. Bank Altitude® Connect Visa Signature® CardUS BankOnce per 60 monthsWelcome bonus20,000 Pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APRNot stated
  79. 79U.S. Bank Altitude® Go Visa Credit CardUS BankOnce per 60 monthsWelcome bonus20,000 Pointsafter $1,000 in purchasesFirst year$705bonus includedAnnual fee$0Purchase APR17.74–27.74%
  80. 80Jovia Financial FCU Visa Signature EliteJovia Financial Federal Credit UnionWelcome bonus20,000 pointsafter $2,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR14.49–17.99%
  81. 81Amtrak Guest Rewards® Mastercard®FNBOWelcome bonus15,000 pointsafter $1,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR26.74–27.24%
  82. 82Service FCU Visa Signature Everyday EliteService Federal Credit UnionWelcome bonus15,000 pointsafter $1,500 in purchasesFirst yearNot countedAnnual fee$0Purchase APR17.65–18.00%
  83. 83Consumer Credit CardSandia Area Federal Credit UnionWelcome bonus10,000 pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR8.49–17.99%
  84. 84Harvard Alumni World MasterCardHarvard Federal Credit UnionWelcome bonus10,000 pointsafter $500 in purchasesFirst yearNot countedAnnual fee$0Purchase APR13.24–18.00%
  85. 85Harvard FCU Platinum MasterCardHarvard Federal Credit UnionWelcome bonus10,000 pointsafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR13.24–17.74%
  86. 86Harvard FCU Platinum Rewards MasterCardHarvard Federal Credit UnionWelcome bonus10,000 pointsafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR15.24–18.00%
  87. 87SchoolsFirst Rewards MastercardSchoolsFirstWelcome bonus10,000 pointsFirst year$550bonus includedAnnual fee$0Purchase APR13.50–17.90%
  88. 88Sunmark CU Platinum RewardsSunmark Credit UnionWelcome bonus7,500 pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR13.49–22.49%
  89. 89ACCESSGreenville Federal Credit UnionOnce per lifetimeWelcome bonus5,000 pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$49Purchase APR17.99%
  90. 90Launch VisaWhatcom Educational Credit UnionWelcome bonus5,000 pointsFirst year$500bonus includedAnnual fee$0Purchase APR14.24–21.24%
  91. 91Orvis Rewards Visa® CardFNBOWelcome bonus5,000 pointsafter $1,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR26.49–26.99%
  92. 92Premio Mastercard®FNBOWelcome bonus5,000 pointsafter $20,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR23.74–24.24%
  93. 93Smart Rewards CardBellwether Community Credit UnionWelcome bonus5,000 pointsafter $1,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR14.99–25.24%
  94. 94The Restaurant Store Visa® CardFNBOWelcome bonus5,000 pointsFirst yearNot countedAnnual fee$0Purchase APR26.74–27.24%
  95. 95Greenville FCU VISA PlatinumGreenville Federal Credit UnionOnce per lifetimeWelcome bonus5,000 pointsafter $1,000 in purchasesFirst yearNot countedAnnual fee$0Purchase APR13.49–17.99%
  96. 96Scheels® Visa® CardFNBOWelcome bonus1,500 pointsFirst yearNot countedAnnual fee$0Purchase APR26.49–26.99%
  97. 97Southwest Rapid Rewards Performance Business Credit CardChaseWelcome bonus80,000Rapid Rewards points, after $5,000 in 3 monthsFirst yearNot countedAnnual fee$299Purchase APR19.49–27.99%
  98. 98Southwest Rapid Rewards Plus Credit CardChaseHighest we’ve seenOnce per 24 months on this card familyWelcome bonus80,000Rapid Rewards points, after $1,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR19.49–27.99%
  99. 99Wealth Credit CardRegionsWelcome bonus30,000Relationship Rewards points, after $2,000 in 3 monthsFirst year$925bonus includedAnnual fee$125Purchase APR17.74%
  100. 100Premier America CU Signature MastercardPremier America Credit UnionWelcome bonus20,000 Reward Pointsafter $2,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR11.99–24.99%
  101. 101Farm Bureau Member Rewards Mastercard - PlatinumFarm Bureau Bank FSBWelcome bonus10,000 reward pointsafter $500 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR16.74–29.99%
  102. 102RCI® Elite Rewards® World Mastercard®BarclaysWelcome bonus5,000 RewardsFirst yearNot countedAnnual fee$0Purchase APR19.49–29.74%
  103. 103Truist Business Premium Credit CardTruistNeeds $5,000 a monthWelcome bonus1,000 rewardsafter $15,000 in 3 monthsFirst yearNot countedAnnual fee$0 Introductory Annual Fee for the first year, $299 after thatPurchase APR17.99–26.99%
  104. 104Rhode Island CU VisaRhode Island Credit UnionWelcome bonus10,000 ScoreCard pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APRNot stated
  105. 105Emirates Skywards Premium World Elite Mastercard®BarclaysWas 70,000Welcome bonus50,000 Skywards Milesafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$499Purchase APR19.74–29.74%
  106. 106Emirates Skywards Rewards World Elite Mastercard®BarclaysWelcome bonus40,000 Skywards Milesafter $3,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR19.74–29.74%
  107. 107Citi Strata Elite® - Travel Credit CardCitiOnce per lifetimeWelcome bonus75,000 ThankYou Pointsafter $6,000 in 3 monthsFirst yearNot countedAnnual fee$595Purchase APR20.74–28.74%
  108. 108Citi Strata Premier® - Travel Credit CardCitiOnce per lifetime on this card familyWelcome bonus60,000 ThankYou Pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.74–27.74%
  109. 109Citi Strata℠ CardCitiOnce per lifetime on this card familyWelcome bonus20,000 ThankYou Pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR18.74–28.74%
  110. 110JetBlue Premier CardBarclaysWelcome bonus90,000 TrueBlue pointsafter $5,000 in 3 monthsFirst yearNot countedAnnual fee$499 ($150 for each Authorized User added to the account)Purchase APR19.74–29.74%
  111. 111JetBlue Plus CardBarclaysWelcome bonus70,000 TrueBlue pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR19.74–29.74%
  112. 112JetBlue Business CardBarclaysWelcome bonus50,000 TrueBlue pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR19.74–29.74%
  113. 113JetBlue CardBarclaysWelcome bonus10,000 TrueBlue pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.74–29.74%
  114. 114United Club Credit CardChaseOnce per 24 monthsWelcome bonus100,000United MileagePlus miles, after $5,000 in 3 monthsFirst yearNot countedAnnual fee$695Purchase APR19.99–28.49%
  115. 115United Quest CardChaseOnce per 24 monthsWelcome bonus90,000United MileagePlus miles, after $4,000 in 3 monthsFirst yearNot countedAnnual fee$350Purchase APR19.99–28.49%
  116. 116United Club Business Credit CardChaseOnce per 24 monthsWelcome bonus100,000United MileagePlus miles, plus 2,000 Premier qualifying points (PQP), after $5,000 in 3 monthsFirst yearNot countedAnnual fee$695Purchase APR19.99–28.49%
  117. 117Virgin Red Rewards World Elite MastercardSynchronyWelcome bonus60,000 Virgin Pointsafter $4,000 in 3 monthsFirst yearNot countedAnnual fee$99Purchase APR20.49–28.49%
  118. 118Autograph Journey Visa Credit CardWells FargoOnce per 48 monthsWelcome bonus60,000Wells Fargo Rewards points, after $4,000 in 3 monthsFirst yearNot countedAnnual fee$95Purchase APR19.74–28.74%
  119. 119World of Hyatt Business Credit CardChaseOnce per 24 monthsWelcome bonus70,000World of Hyatt Points, after $7,000 in 3 monthsFirst yearNot countedAnnual fee$199Purchase APR19.49–27.99%
  120. 120Norwegian Cruise Line® World Mastercard® Credit CardBank of AmericaWelcome bonus20,000 WorldPoints pointsafter $1,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR17.74–27.74%
  121. 121Wyndham Rewards Earner Premier CardBarclaysWelcome bonus120,000Wyndham Rewards points, after $6,000 in purchasesFirst yearNot countedAnnual fee$395Purchase APR19.49–29.99%
  122. 122Wyndham Rewards Earner® CardBarclaysWas 75,000Welcome bonus45,000Wyndham Rewards points, after $2,000 in 3 monthsFirst yearNot countedAnnual fee$0Purchase APR19.49–29.99%
  123. 123Techron Advantage Visa CardSynchronyWelcome bonus62¢/gal. in Fuel DiscountsFirst yearNot countedAnnual fee$0Purchase APR33.99%
Credit card payoff calculator

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge