Best cash-back card bonuses
Credit cards paying a flat cash welcome bonus, ranked by amount. Most want a small spend in the first three months and carry no annual fee.
Capital One's Spark Cash business card offers a $1,000 cash bonus for spending $10,000 in the first three months after opening the account. You must start the application from this specific page for the offer to apply.
Capital One's Spark 1.5% Cash Select business card offers a $750 cash bonus after you spend $6,000 on purchases within the first 3 months of opening the account. The card also has no annual fee.
Ridgewood Savings Bank's Mastercard World card offers a $500 cash back bonus when you spend $5,000 on purchases within the first 90 days of opening the account. The bonus is paid as a direct deposit or a statement credit, and the offer is exclusive to Ridgewood deposit customers.
Wescom's Bruin Edge Visa credit card offers a one-time $500 cash back bonus (50,000 MyRewards points) for new cardholders who spend $2,500 within the first 3 months of opening the account. Existing cardholders and those who received a bonus in the last 24 months are not eligible.
New cardholders enrolled in the Level Up program can earn a welcome bonus paid in CRO for meeting a spend threshold in the first 90 days. The Basic tier earns $100 for $1,500 spent and the Plus tier earns $200 for $2,000 spent, with a $300 headline advertised across tiers.
American Express advertises as high as $300 back after you spend $3,000 on purchases in the first 6 months. The welcome offer is targeted: Amex states that offers vary and that you may not be eligible for one, so the amount you are shown on applying can be lower than $300 or absent. The card carries no annual fee for the first year, then $95.
Capital One is offering a one-time $250 cash bonus on the Savor Rewards card. You get it after spending $500 on purchases within the first 3 months of opening the account.
The One Key Card from Wells Fargo offers $250 in OneKeyCash after you spend $1,000 on purchases within the first 3 months of account opening. There is no annual fee.
Open a new Navy Federal cashRewards or cashRewards Plus credit card and spend $2,500 within 90 days to earn a $250 cash back bonus. The bonus posts to your rewards balance up to 8 weeks after the 90-day spending window ends.
USAA is offering a $250 bonus on its Preferred Cash Rewards Visa Signature card. Spend $1,000 on qualifying purchases by November 30, 2026 to earn it, and the reward posts to your rewards balance up to 90 days after the promotion ends.
New BECU Cash Back Credit Card holders can earn a $200 bonus by spending $2,000 in purchases within the first three months of opening the account. The bonus is paid as a statement credit within about 30 days of qualifying.
PNC is offering a $200 bonus on its Cash Rewards Visa credit card. Open an account and spend at least $1,000 in purchases within the first 3 months to earn it.
Sallie Mae's Accelerate Mastercard offers new cardholders $200 cash back after spending $1,000 in purchases within the first 3 months. The card also lets you redeem rewards at 2% cash back toward paying down a student loan.
USAA is offering a $200 cash bonus on its Cashback Rewards Plus American Express Card when you spend $1,000 on qualifying purchases by November 30, 2026. The bonus is added to your rewards balance up to 90 days after the promotion ends.
The Active Cash pays a $200 cash rewards bonus after $500 of spend in 3 months, with no annual fee. It earns a flat 2% back on everything.
The Freedom Unlimited pays a $200 cash bonus after $500 of spend in 3 months, with no annual fee. It earns 1.5% back on everything and more in select categories. As a Chase card it is subject to 5/24.
Bank of America is offering a $200 welcome bonus to new Customized Cash Rewards and Unlimited Cash Rewards credit cardholders who spend $1,000 or more on purchases within the first 90 days of opening the account.
Wells Fargo's Active Cash Card offers a $200 cash rewards bonus for new cardholders who spend $500 in purchases within the first 3 months of opening the account. The bonus becomes redeemable within 60 days after it is earned.
The AT&T Points Plus Card from Citi gives new cardholders a $200 statement credit after they spend $1,000 on purchases within the first three months of opening the account.
A $200 cash bonus for new Freedom Flex cardholders who spend $500 in the first three months. The card has no annual fee.
The Capital One Quicksilver card pays a $200 cash bonus after you spend $500 on purchases within three months of opening the account.
The Citi Double Cash Card offers $200 cash back after you spend $1,500 on purchases within the first 6 months of opening the account. You also earn unlimited 2% cash back on every purchase, 1% when you buy and 1% when you pay.
Open an Upgrade Cash Rewards Card along with a Rewards Checking Preferred account and make 3 debit card transactions to earn a $200 bonus. The card also earns 1.5% cash back on purchases once paid off, but that is separate from this welcome bonus.
Samsung's new Galaxy Card offers $200 in bonus cash rewards after you spend $2,000 within the first 90 days of opening the account. Applications open to the general public on July 22, 2026.
U.S. Bank is offering a $200 cash bonus on its Cash+ Visa Signature Card. Spend $1,000 in eligible purchases within the first 90 days of opening the account to earn it, with the bonus posting 1-2 billing cycles after you hit the spend requirement.
Spend $1,500 on purchases in the first 6 months after opening the Citi Double Cash Card and earn $200 cash back.
Trumark Credit Union offers new Everyday Elite Visa cardholders a $150 bonus after spending $1,500 in purchases within the first 90 days of opening the account.
The Discover it Student Cash Back card offers a $100 statement credit bonus for new cardholders who spend $300 in purchases within their first 3 months. Discover also matches all cash back earned in the first year, though that is a separate ongoing rewards match rather than part of this sign-up bonus.
The Rakuten American Express Card pays a $100 cash bonus after you spend $1,000 in the first 90 days, with no annual fee. It runs on the Amex network but is issued by First Electronic Bank and serviced by Imprint, so it is separate from an Amex-issued card and its once-per-lifetime rules.
PenFed's Power Cash Rewards card gives a $100 statement credit if you spend $1,500 on purchases within the first 90 days of opening the account. The credit shows up about 4 weeks after you hit the spending threshold.
Fremont Bank's Platinum Rewards Mastercard offers a one-time $50 cash back bonus when you spend $1,000 in purchases within the first three months of opening the account.
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