Cash sign-up bonus

cach
Wells Fargo Cash Wise Visa® Card
Regular APR
14.74% - 26.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.74%-26.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

Flat rate + no minimum redemption

quick
Capital One® Quicksilver® Card - $200 Bonus Offer
Regular APR
14.74% - 24.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • One-time $200 cash bonus after you spend $1000 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • Pay no annual fee or foreign transaction fees

5% categories and a unique bonus

dis
Discover it® Cash Back
Regular APR
13.74% - 24.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

5% categories and a cash bonus

Regular APR
16.74% - 25.49% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Families

fam
Blue Cash Preferred® Card from American Express
Regular APR
14.74% - 25.74% Variable APR
Annual Fee
$95
Recommended credit score
690
850
Good - Excellent

We like it for

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Flat-rate cash back

flat
Citi® Double Cash Card – 18 month BT offer
Regular APR
15.24% - 25.24% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% – 25.24% based on your creditworthiness*
  • Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

Customizable rewards

plus
U.S. Bank Cash+™ Visa Signature® Card
Regular APR
15.74% - 24.74% Variable APR
Annual Fee
$0
Recommended credit score
720
850
Good - Excellent

We like it for

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.74% – 24.74%
  • No annual fee*
  • Great Offer for Customers of U.S. Bank, a 2018 World’s Most Ethical Company® – Ethisphere Institute, February 2018

Annual 10% rewards bonus

hsbc
HSBC Cash Rewards Mastercard® credit card
Regular APR
14.74%, 18.74% or 24.74% variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

High rewards for bigger spenders

alliant
Alliant Cashback Visa® Signature Credit Card
Regular APR
11.74% - 14.74% Variable
Annual Fee
$0 the first year, then $59
Recommended credit score
690
850
Good - Excellent

We like it for

  • Exclusively designed for those spending $50,000+ a year on their card
  • A true cash back card: 3% cash back in year one & 2.5% cash back after
  • No limit to the cash back awards you can earn
  • Rates as low as 11.74% APR
  • No foreign transaction fees
  • Generous credit line
  • $59 annual fee, waived the first year
  • Works with Google Pay™, Apple Pay™ and Samsung Pay™
  • $0 fraud liability guarantee from Visa

Average credit

silver
Capital One® QuicksilverOne® Cash Rewards Credit Card
Regular APR
24.99% Variable APR
Annual Fee
$39
Recommended credit score
630
689
Good - Excellent

We like it for

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app