Best Bonus Credit Card Offers

Capital One SavorOne Cash Rewards Credit Card

Features

• Annual Fee: $0, making it an economically sound choice for everyday use.
• Intro APR: 0% intro APR for 15 months on purchases and balance transfers, offering a period of financial flexibility.
• Regular APR: Post-introductory period, a variable APR of 19.99%-29.99% applies.
• Sign-Up Bonus: Earn a one-time $200 cash bonus after spending $500 within the first 3 months.
• Rewards Rate:
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% cash back on all other purchases.
  • Special rates include 10% cash back on Uber & Uber Eats, plus complimentary Uber One membership credits through 11/14/2024, and 8% cash back on Capital One Entertainment purchases.

Capital One SavorOne Card Review: Feast on Cash Back Rewards

SavorOne: 0% APR, 3% back on dining/streaming, $0 fee.

Keys to Credit AIRickie C. Keys, PhD, MPH

Capital One Venture Rewards Credit Card

Features

• Annual Fee: $95, a standard charge for a premium rewards card.
• Rewards Rate: 2x miles on every purchase; 5x miles on hotels and car rentals booked through Capital One Travel.
• Sign-Up Bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
• Regular APR: Variable APR of 19.99%-29.99% after the introductory period.

Capital One Venture Rewards Credit Card Review: Simplify Your Travel Earnings

Venture Rewards: Earn 2x miles on everything, a 75k bonus, $95 fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Chase Freedom Unlimited®

Features

• Annual Fee: $0, making it an economical choice for all users.
• Rewards Rate: Versatile earning with 1.5% cash back on all purchases, 3% on dining and drugstore purchases, and 5% on travel booked through Chase Ultimate Rewards®.
• Intro APR: Offers 0% intro APR on purchases and balance transfers for 15 months, providing a window of financial flexibility.
• Sign-Up Bonus: An attractive offer of an additional 1.5% cash back on everything you buy (up to $20,000 spent) in the first year, potentially adding up to $300 cashback.

Chase Freedom Unlimited Review: Your Ticket to Uncomplicated Cash Back

Freedom Unlimited: 0% APR, 1.5% back on all, $0 fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Chase Sapphire Preferred® Card

Features

• Annual Fee: $95, a modest investment for frequent travelers.
• Rewards Rate: Earn up to 5x points on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services, and online groceries (excludes Target, Walmart, and wholesale clubs), plus 2x on all other travel purchases, and 1x on all other purchases.
• Sign-Up Bonus: Receive 60,000 bonus points after spending $4,000 in the first 3 months, equivalent to $750 in travel when redeemed through Chase Ultimate Rewards®.
• APR: Variable 21.49%-28.49%, aligning with typical credit standards.

Chase Sapphire Preferred Review: The Traveler’s Companion

Sapphire Preferred: $750 travel bonus, 5x on travel, $95 fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Citi Simplicity® Card

Features

• Annual Fee: $0, offering cost savings from the start.
• APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, transitioning to a regular APR of 19.24%-29.99% Variable APR.
• Recommended Credit Score: 690-850 (Good - Excellent), ensuring it's aimed at users with strong credit histories.
• Balance Transfer Fee: Starts at 3% ($5 minimum) during the initial four months, then increases to 5% ($5 minimum), which impacts the cost-effectiveness of transferring large balances.
• Foreign Transaction Fee: 3%, affecting the cost of international transactions.

Citi Simplicity Card Review: Mastering Debt Management

Citi Simplicity: 21-month 0% APR, no late fees, perfect for debt management.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Discover it® Cash Back

Features

• Annual Fee: $0, making it an attractive option for budget-conscious users.
• Rewards Rate: Earn 5% cash back in rotating quarterly categories up to the quarterly maximum when you activate, plus unlimited 1% cash back on all other purchases.
• Intro APR: 0% intro APR on purchases and balance transfers for 15 months, providing flexibility for new purchases or debt consolidation.
• Sign-Up Bonus: An innovative Unlimited Cashback Match for the first year, where Discover matches all the cash back you've earned at the end of your first year, with no limit.

Discover it Cash Back Review: Maximize Your Rewards with a Bit of Planning

5% rotating rewards, 0% intro APR, $0 fee, cashback match.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Wells Fargo Active Cash® Card

Features

• Annual Fee: $0, ensuring cost-effectiveness over time.
• Rewards Rate: 2% cash rewards on all purchases, offering simplicity and high value.
• Intro Offer: $200 cash rewards bonus after spending $500 in the first 3 months, a rare find among 2% cash back cards.
• Intro APR: 0% intro APR for 15 months on purchases and qualifying balance transfers, followed by a variable APR of 20.24%, 25.24%, or 29.99%.

Wells Fargo Active Cash® Card Review: Simplify Your Spending, Amplify Your Rewards

2% on everything, $0 fee, $200 bonus, 0% APR intro.

Keys to Credit AIRickie C. Keys, Ph.D., MPH