Welcome bonuses are sometimes one of many main promoting factors when looking for out a brand new rewards bank card. Card issuers provide these bonuses to entice new prospects and promote spending on their new playing cards.
The most effective welcome presents are price a whole bunch of {dollars} (and some are even over $1,000), both within the type of money again or journey rewards, relying on the kind of bank card you select. Nonetheless, these bonuses are sometimes accompanied by spending thresholds of $3,000 or extra that you need to hit throughout the first few months of getting the cardboard.
Fortunately, there are a number of welcome presents accessible proper now which can be a lot simpler to earn. I’ll stroll you thru welcome bonuses which have a spending requirement of $2,000 or much less. Whereas this is not an exhaustive listing, these are the greatest general bank cards that also have easy-to-earn bonuses.
Associated: The most effective bank card welcome bonuses at present accessible
The most effective playing cards with the best welcome bonuses to earn
| Card | Welcome provide | Welcome provide worth | Annual payment |
|---|---|---|---|
| Chase Freedom Limitless® | Earn a further 1.5% money again on every part you purchase (on as much as $20,000 spent within the first 12 months), a price of as much as $300 money again. | As much as $300 in money again | $0 |
| Chase Freedom Flex® | Earn $200 money again after spending $500 on purchases within the first three months from account opening. | $200 money again | $0 |
| United Gateway℠ Card | Earn 20,000 bonus miles after spending $1,000 on purchases within the first three months from account opening. | $270* | $0 |
| IHG One Rewards Traveler Credit score Card | Earn 100,000 bonus factors after spending $2,000 on purchases within the first three months from account opening. | $500* | $0 |
| Delta SkyMiles® Gold American Categorical Card | Earn 50,000 bonus miles after spending $2,000 on purchases throughout the first six months of cardmembership. | $600* | $0 introductory annual payment for the primary 12 months, then $150 (see charges and charges) |
| Hilton Honors American Categorical Card | Earn 100,000 bonus factors after spending $2,000 on purchases throughout the first six months of cardmembership. This provide ends Jan. 8, 2025. | $600* | $0 (see charges and charges) |
| AAdvantage® Aviator® Crimson World Elite Mastercard® | Earn 60,000 bonus miles after making your first buy and paying the annual payment in full throughout the first 90 days of account opening. | $960* | $99 |
| Financial institution of America® Journey Rewards bank card | Earn 25,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening. | $250 | $0 |
| Frontier Airways World Mastercard® | Earn 50,000 miles after spending $500 on purchases and paying the annual payment in full, each inside 90 days of account opening. | $550* | $99 |
| Financial institution of America® Personalized Money Rewards bank card | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases within the first 90 days of account opening. | $200 | $0 |
*Welcome provide worth is set utilizing TPG’s November 2024 valuations and isn’t offered by nor reviewed by the issuer.
The data for the AAdvantage Aviator Crimson World Elite Mastercard and the Frontier Airways World Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Chase Freedom Limitless
Probably the greatest no-annual-fee playing cards in the marketplace is the Chase Freedom Limitless.
Annual payment: $0
Welcome bonus: Earn a further 1.5% money again on every part you purchase (on as much as $20,000 spent within the first 12 months), a price of as much as $300 money again.
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Why I prefer it: The Chase Freedom Limitless earns 5% money again on journey booked by means of Chase Journey℠, 5% money again on Lyft rides by means of March 2025, 3% money again on eating at eating places (together with takeout and eligible supply companies) and at drugstores and 1.5% money again on every part else.
It is a fantastic card for nonbonused spending — particularly for those who even have a card that earns Chase Final Rewards factors, such because the Chase Sapphire Most popular® Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular® Credit score Card.
You’ll be able to pair the Chase Freedom Limitless with any of these three Chase bank cards to convert your money again into helpful Final Rewards factors. You’ll be able to then use them to guide journey by means of Chase Journey with a redemption bonus or switch to companions for probably much more worth.
To be taught extra, take a look at our full assessment of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
With its rotating 5% quarterly classes (a $1,500 spending cap applies per quarter; activation required), the Chase Freedom Flex is a strong card to have in your pockets.
Annual payment: $0
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Why I prefer it: The Chase Freedom Flex is exclusive as a result of it earns 5% money again throughout quarterly rotating classes after activation. There’s a $1,500 cap on purchases throughout mixed bonus classes every quarter, however that also means you can earn as much as $300 in bonus money again annually.
Classes are random all year long, however frequent classes like eating, groceries and fuel stations happen steadily. You will additionally get 5% money again on journey booked by means of Chase Journey, 5% money again on Lyft rides by means of March 2025 and three% money again on eating at eating places (together with eligible supply and takeout) and at drugstores.
To be taught extra, take a look at our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
United Gateway Card
For many who fly United now and again, the no-annual-fee United Gateway Card is price contemplating.
Annual payment: $0
Welcome bonus: Earn 20,000 bonus miles after spending $1,000 on purchases within the first three months from account opening.
Why I prefer it: United’s entry-level cobranded bank card presents a easy method to earn United miles throughout a number of bonus classes. You will earn 7 miles per greenback spent on United flight purchases (5 miles per greenback spent on fares as a United MileagePlus member, plus 2 miles per greenback spent as a cardholder), 3 miles per greenback spent on resort stays booked by means of United Resorts, 2 miles per greenback spent on all different United purchases, fuel stations and native transit and commuting (together with ride-hailing companies, taxicabs, practice tickets, tolls and mass transit) and 1 mile per greenback spent on every part else.
Moreover, you will earn 25% again on all inflight purchases and Membership premium drink purchases, and the cardboard comes with journey cancellation and interruption insurance coverage. It is a stable choice for novices seeking to earn United miles with out paying an annual payment.
You may also earn 5,000 bonus miles after including a licensed person to your account inside three months of account opening.
To be taught extra, take a look at our full assessment of the United Gateway Card.
Apply right here: United Gateway Card
IHG One Rewards Traveler Credit score Card
Many cobranded resort playing cards include exorbitant annual charges; the IHG One Rewards Traveler card is an exception.
Annual payment: $0
Welcome bonus: Earn 100,000 bonus factors after spending $2,000 on purchases within the first three months from account opening.
Why I prefer it: If you need a no-annual-fee resort bank card, there’s a lot to love in regards to the IHG One Rewards Traveler Card. You will earn 5 factors per greenback spent on IHG stays with the cardboard. You will additionally earn 3 factors per greenback spent on fuel stations, month-to-month payments (together with utilities, web, cable, cellphone companies and choose streaming companies) and restaurant purchases (together with takeout and eligible supply).
You will additionally get the fourth-award-night-free profit while you redeem IHG One Rewards factors. With this profit, you possibly can pay zero factors for each fourth night time on an award keep of three nights or longer.
To be taught extra, take a look at our full assessment of the IHG One Rewards Traveler Credit score Card.
Apply right here: IHG One Rewards Traveler Credit score Card
Delta SkyMiles Gold American Categorical Card
Followers of Delta Air Strains will admire the advantages that the Delta SkyMiles Gold card presents.
Annual payment: $0 introductory annual payment for the primary 12 months, then $150
Welcome bonus: Earn 50,000 bonus miles after spending $2,000 on purchases throughout the first six months of cardmembership.
Why I prefer it: The Delta SkyMiles Gold Amex is an entry-level bank card within the Delta SkyMiles program. You will earn 2 miles per greenback spent on Delta purchases, eating at eating places (together with takeout and supply within the U.S.) and groceries at U.S. supermarkets, plus 1 mile per greenback spent on different eligible purchases.
The cardboard comes with a couple of elitelike advantages, together with your first checked bag free and Zone 5 precedence boarding on Delta flights. You may also earn a $200 Delta flight credit score after spending $10,000 in a calendar 12 months.
In case you are an off-the-cuff Delta flyer or a newbie simply entering into factors and miles, this can be a nice card to contemplate.
To be taught extra, take a look at our full assessment of the Delta SkyMiles Gold American Categorical Card.
Apply right here: Delta SkyMiles Gold American Categorical Card
Hilton Honors American Categorical Card
Hilton followers on the lookout for a no-annual-fee Hilton card are in luck: There’s an choice accessible to them within the Hilton Honors Amex Card.
Annual payment: $0
Welcome bonus: Earn 100,000 bonus factors after spending $2,000 on purchases throughout the first six months of cardmembership. This provide ends Jan. 8, 2025.
Why I prefer it: The Hilton Honors Amex is a no-annual-fee, entry-level card within the Hilton Honors resort program. You will earn 7 factors per greenback spent on eligible Hilton purchases, 5 factors per greenback spent on eating at U.S. eating places (together with takeout and supply), groceries at U.S. supermarkets and fuel at U.S. fuel stations and three factors per greenback spent on different eligible purchases.
That could be a 4.2% return on Hilton stays and a 3% return on eating at U.S. eating places, U.S. supermarkets and U.S. fuel stations, per TPG’s November 2024 valuations.
The cardboard additionally comes with a number of stable perks, together with complimentary Hilton Silver elite standing and the prospect to earn Gold standing by means of the tip of the subsequent calendar 12 months after spending $20,000 in a calendar 12 months.
To be taught extra, take a look at our full assessment of the Hilton Honors American Categorical Card.
Apply right here: Hilton Honors American Categorical Card
AAdvantage Aviator Crimson World Elite Mastercard
This card has one of many best welcome presents to earn on any card available in the market, so even for those who’re not a fan of American Airways, you must take into account the AAdvantage Aviator Crimson Mastercard.
Annual payment: $99
Welcome bonus: Earn 60,000 bonus miles after making your first buy and paying the annual payment in full throughout the first 90 days of account opening.
Why I prefer it: The AAdvantage Aviator Crimson makes it simple to earn a whole lot of miles. It additionally presents elitelike perks, corresponding to your first checked bag free on home American Airways itineraries for the first cardmember and as much as 4 companions on the identical reservation, most well-liked boarding for the first cardmember and as much as 4 companions on the identical reservation and as much as $25 again as assertion credit (each anniversary 12 months) for inflight Wi-Fi — notable perks for those who’re a frequent American Airways flyer.
Even for those who’re not an American Airways loyalist, you might as properly go for it since this card’s welcome provide is really easy to earn. The miles you earn can be utilized to guide flights with companion airways.
You will earn 2 American Airways AAdvantage miles for each greenback spent on eligible American Airways purchases and 1 mile on all different purchases.
Study extra: AAdvantage Aviator Crimson World Elite Mastercard
Financial institution of America Journey Rewards bank card
Financial institution of America might not get the identical degree of consideration as American Categorical, Chase and Capital One, however playing cards just like the Journey Rewards card nonetheless deserve your consideration.
Annual payment: $0
Welcome bonus: Earn 25,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Why I prefer it: You will earn a vast 1.5 factors per greenback spent on all purchases. These factors might be redeemed for a set worth for journey or eating purchases.
Plus, you possibly can supersize your incomes potential if you’re a member of the Financial institution of America Most popular Rewards® program. On the highest degree, you will earn as much as 75% extra factors on each buy (which means roughly 2.63 factors per greenback spent on each buy). For no annual payment and an easy-to-hit welcome bonus, that is a powerful return.
To be taught extra, take a look at our full assessment of the Financial institution of America Journey Rewards bank card.
Apply right here: Financial institution of America Journey Rewards bank card
Frontier Airways World Mastercard
Frontier Airways is probably not everybody’s favourite airline, however the Frontier Airways World Mastercard gives a whole lot of worth.
Annual payment: $99
Welcome bonus: Earn 50,000 miles after spending $500 on purchases and paying the annual payment in full, each inside 90 days of account opening.
Why I prefer it: On prime of the easy-to-earn welcome bonus, the Frontier Airways World Mastercard presents instantaneous Elite Gold standing with the airline after you make your first buy along with your card inside 90 days of account opening. Plus, the cardboard comes with advantages like precedence boarding and premium seating at check-in.
Including onto its perks, the cardboard presents incomes towards elite standing (1 elite standing level per greenback spent), in addition to two free checked baggage on eligible flights and an award redemption payment waiver while you use your card to pay associated taxes and charges on a redemption.
With the Frontier Airways World Mastercard, you will earn 5 miles per greenback spent on eligible purchases at flyfrontier.com, 3 miles per greenback spent on eligible restaurant purchases and 1 mile per greenback spent on every part else.
You will even have the flexibility to earn a $100 flight voucher for those who spend at the least $2,500 along with your card in the course of the cardmembership 12 months. These are all sturdy advantages for Frontier flyers for a $99 annual payment.
Study extra: Frontier Airways World Mastercard
Financial institution of America Personalized Money Rewards bank card
If flexibility is what you need, the Financial institution of America Personalized Money Rewards card might attraction to you.
Annual payment: $0
Welcome bonus: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases within the first 90 days of account opening.
Why I prefer it: The Financial institution of America Personalized Money Rewards card allows you to customise your rewards construction. You will earn 3% money again on the class of your selection, plus 2% money again on grocery shops and wholesale golf equipment (for the primary $2,500 in mixed selection class/grocery retailer/wholesale membership purchases every quarter, then 1%). All different purchases earn 1% money again.
Your choices for the three% class are fuel and electrical car charging stations, on-line procuring/cable/web/cellphone plans/streaming, eating, journey, drugstores/pharmacies or residence enchancment/furnishings.
Identical to the Financial institution of America Journey Rewards bank card, being a member of the Most popular Rewards program means you will earn much more money again on each buy.
To be taught extra, take a look at our full assessment of the Financial institution of America Personalized Money Rewards bank card.
Apply right here: Financial institution of America Personalized Money Rewards bank card
Are you eligible for a welcome bonus?
Not everyone seems to be eligible for a bank card welcome provide. Every issuer has its personal algorithm concerning while you’re capable of earn a bonus.
American Categorical, for instance, limits you to one welcome provide per card, per lifetime. So, for those who’ve ever had sure playing cards prior to now (even when it was a very long time in the past), you will not be eligible to earn a welcome provide now. Amex additionally has a four-card restrict on client bank cards.
Fortunately, Amex additionally has a software on its web site that can notify you earlier than making use of whether or not you might be eligible for the welcome provide on a selected card.
You will need to take note of the provide particulars for every bonus to make sure you can make the most of the welcome bonus alternative.
Associated: The last word information to bank card utility restrictions
Backside line
Welcome bonuses are an effective way to get a jump-start on a redemption you are aiming for. Even the best bonuses to hit are usually price at the least a couple of hundred {dollars}. Simply be sure you know the phrases and situations for incomes and protecting these bonuses earlier than you apply.
Associated: Acquired a brand new bank card? Listed below are 4 suggestions 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.
