When contemplating which rewards bank card deserves your subsequent software, its welcome provide needs to be a prime issue.
Many bonuses are price a whole lot of {dollars} (or much more than $1,000) within the type of money again or journey rewards. Nevertheless, these provides generally carry steep spending necessities, requiring you to spend anyplace from $4,000 to $10,000 throughout the first few months of getting the cardboard.
It does not must be that means. Right here, we dive into high-value card bonuses which can be simpler to earn. Every of the provides I’ve listed right here comes with a minimal spending requirement of $2,000 or much less.
Whereas this is not an exhaustive record, these are 10 of the most effective playing cards you possibly can add to your pockets with an easy-to-earn welcome bonus.
Financial institution of America Personalized Money Rewards bank card
If flexibility is what you need, the Financial institution of America® Personalized Money Rewards bank card could attraction to you.
Welcome bonus: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases within the first 90 days of account opening. Plus, earn 6% money again within the class of your alternative for the primary yr.
Annual payment: $0.
Why I prefer it: The Financial institution of America Personalized Money Rewards bank card permits you to customise your rewards construction, permitting flexibility in your cash-back rewards technique.
Being a member of the Financial institution of America Most well-liked Rewards® program means you may earn much more money again on each buy.
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To be taught extra, learn our full evaluate of the Financial institution of America Personalized Money Rewards.
Apply right here: Financial institution of America Personalized Money Rewards bank card
Capital One Savor Money Rewards Credit score Card
The Capital One Savor Money Rewards Credit score Card is an all-around winner relating to incomes cash-back rewards in well-liked bonus classes.
Welcome bonus: Obtain a $100 credit score to make use of on Capital One Journey purchases within the first cardholder yr, plus earn a $200 money bonus after spending $500 on purchases within the first three months.
Annual payment: $0.
Why I prefer it: It is easy to stack up cash-back rewards with the Capital One Savor. It earns bonus rewards throughout well-liked classes like eating, leisure, grocery shops (excluding superstores like Walmart® and Goal®) and choose streaming providers.
Plus, the cardboard is a stable one to carry overseas, because it fees no international transaction charges.
For extra particulars, learn our full evaluate of the Capital One Savor.
Be taught extra: Capital One Savor Money Rewards Credit score Card
Chase Freedom Limitless
Probably the greatest no-annual-fee playing cards available on the market is the Chase Freedom Limitless® (see charges and charges).
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual payment: $0.
Why I prefer it: The Chase Freedom Limitless is a good card for nonbonus spending because it earns no less than 1.5% again on all purchases.
When you even have a card that earns Chase Final Rewards factors, you possibly can pair them with the Freedom Limitless to transform your money again into priceless Final Rewards factors. You may then use them to e-book journey by way of Chase Journey℠ with a redemption bonus or switch them to airline and lodge companions for doubtlessly much more worth.
To be taught extra, learn our full evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Citi Double Money Card
The Citi Double Money® Card (see charges and charges) makes it straightforward to earn stable cash-back rewards on each buy.
Welcome bonus: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Annual payment: $0.
Why I prefer it: The most effective perk of the Citi Double Money is its easy rewards construction. Cardholders earn 2% money again on all purchases (1% once you make a purchase order and one other 1% once you pay it off).
Plus, the cardboard is a improbable alternative if you wish to match it into a bigger Citi-oriented technique. That is as a result of money again is earned within the type of Citi ThankYou Rewards factors, and you’ll unlock higher-value redemption choices when you maintain sure ThankYou Rewards playing cards.
To be taught extra, learn our full evaluate of the Citi Double Money.
Apply right here: Citi Double Money Card
Citi Strata Card
The Citi Strata℠ Card (see charges and charges) offers a priceless bonus and nice incomes charges, particularly when you think about it fees no annual payment.
Welcome bonus: Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. TPG’s November 2025 valuations place this provide at a price of $570.
Annual payment: $0.
Why I prefer it: The Citi Strata earns ThankYou Rewards factors at a excessive price throughout a number of classes. Plus, you can also make your rewards versatile due to its bonus class on quarterly self-select classes.
As with the Double Money, you possibly can obtain extra worth out of your rewards when you pair this card with sure ThankYou Rewards-earning playing cards.
To be taught extra, learn our full evaluate of the Citi Strata.
Apply right here: Citi Strata Card
Delta SkyMiles Gold American Categorical Card
Delta Air Strains flyers will admire the extent of advantages that the Delta SkyMiles® Gold American Categorical Card provides in change for its modest annual payment.
Welcome bonus: Earn 50,000 bonus miles after spending $2,000 on purchases within the first six months of card membership. Per our November 2025 valuations, this provide is price $625.
Annual payment: $0 introductory annual payment for the primary yr, then $150 (see charges and charges).
Why I prefer it: The Delta SkyMiles Gold Amex is an entry-level bank card within the Delta SkyMiles program. The cardboard comes with a number of advantages, together with a primary checked bag free and precedence boarding on Delta flights.
If you’re an off-the-cuff Delta flyer or a newbie who’s simply stepping into factors and miles, it is a nice card to think about.
To be taught extra, learn our full evaluate of the Delta SkyMiles Gold Amex.
Apply right here: Delta SkyMiles Gold American Categorical Card
Hilton Honors American Categorical Card
The Hilton Honors American Categorical Card comes with stable perks and incomes charges for many who often stick with Hilton.
Welcome bonus: Earn 100,000 bonus factors after spending $2,000 on purchases within the first six months of card membership. This provide ends Jan. 14, 2026. TPG’s November 2025 valuations deem this provide to be price $500.
Annual payment: $0 (see charges and charges).
Why I prefer it: The Hilton Honors Amex is an entry-level card within the Hilton Honors lodge program. You will earn bonus Hilton factors in a number of bonus classes and obtain complimentary Hilton Silver elite standing.
These are first rate perks for a card with no annual payment.
To be taught extra, learn our full evaluate of the Hilton Honors Amex.
Apply right here: Hilton Honors American Categorical Card
IHG One Rewards Traveler Credit score Card
Many cobranded lodge playing cards include exorbitant annual charges, however the IHG One Rewards Traveler Credit score Card (see charges and charges) is an exception.
Welcome bonus: Earn 80,000 bonus factors after spending $2,000 on purchases within the first three months from account opening. This provide is price $400, per TPG’s November 2025 valuations.
Annual payment: $0.
Why I prefer it: If you’d like a no-annual-fee lodge bank card, there’s a lot to love in regards to the IHG One Rewards Traveler card.
One in all its finest perks is the fourth-award-night-free profit once you redeem IHG One Rewards factors. With this profit, you may pay no factors for each fourth evening on an award keep of 4 nights or longer.
To be taught extra, learn our full evaluate of the IHG One Rewards Traveler.
Apply right here: IHG One Rewards Traveler Credit score Card
United Gateway Card
For individuals who fly United Airways often, the United Gateway℠ Card (see charges and charges) is price contemplating.
Welcome bonus: Earn 30,000 bonus miles after spending $1,000 on purchases within the first three months from account opening. You may obtain $420 in worth from this provide, in line with TPG’s November 2025 valuations.
Annual payment: $0.
Why I prefer it: United’s entry-level cobranded bank card provides a easy option to earn United MileagePlus miles throughout a number of bonus classes. Plus, the cardboard offers a reduction on United inflight purchases and United Membership premium drink purchases.
It is a stable possibility for novices seeking to earn United miles with out paying an annual payment.
To be taught extra, learn our full evaluate of the United Gateway.
Apply right here: United Gateway Card
Wells Fargo Energetic Money Card
When you financial institution with Wells Fargo, the Wells Fargo Energetic Money® Card (see charges and charges) offers easy money rewards earnings so that you can take pleasure in.
Welcome bonus: Earn a $200 money rewards bonus after spending $500 on purchases within the first three months from account opening.
Annual payment: $0.
Why I prefer it: You may earn limitless 2% money rewards on purchases, making it an incredible alternative for these searching for an easy incomes construction.
The cardboard additionally offers mobile phone safety and 0 legal responsibility safety, that are notable perks for a no-annual-fee card.
To be taught extra, learn our full evaluate of the Wells Fargo Energetic Money.
Apply right here: Wells Fargo Energetic Money Card
Backside line
Welcome bonuses are a good way to get your account balances off to a superb begin. Even the best bonuses to hit are sometimes price no less than a couple of hundred {dollars}. Nonetheless, observe that every issuer has its personal algorithm concerning once you’re in a position to earn a bonus.
Although these playing cards have minimal spending necessities on the decrease aspect, spend mindfully to make sure you unlock the total worth of the welcome provide. A priceless introductory bonus may give your rewards technique a supercharged increase.
Associated: Bought a brand new bank card? Listed below are 4 ideas that can assist you earn your welcome bonus
For charges and charges of the Delta SkyMiles Gold Amex card, click on right here.
For charges and charges of the Hilton Honors Amex card, click on right here.
