When contemplating which rewards bank card deserves your subsequent utility, its welcome supply ought to be a high issue.
Many bonuses are price a whole bunch of {dollars} (or much more than $1,000) within the type of money again or journey rewards. Nevertheless, these provides typically carry steep spending necessities, requiring you to spend wherever from $4,000 to $10,000 inside the first few months of getting the cardboard.
It does not should be that method. 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 one of the best 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 selection for the primary 12 months.
Annual charge: $0.
Why I prefer it: The Financial institution of America Personalized Money Rewards bank card enables you to customise your rewards construction, permitting flexibility in your cash-back rewards technique.
Being a member of the Financial institution of America Most popular Rewards® program means you will earn much more money again on each buy.
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To study extra, learn our full overview 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 in relation 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 12 months, plus earn a $200 money bonus after spending $500 on purchases within the first three months.
Annual charge: $0.
Why I prefer it: It is simple 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 strong one to carry overseas, because it fees no international transaction charges.
For extra particulars, learn our full overview of the Capital One Savor.
Study extra: Capital One Savor Money Rewards Credit score Card
Chase Freedom Limitless
The most effective no-annual-fee playing cards available on the market is the Chase Freedom Limitless® (see charges and costs).
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual charge: $0.
Why I prefer it: The Chase Freedom Limitless is a superb card for nonbonus spending because it earns a minimum of 1.5% again on all purchases.
If you happen to 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 invaluable Final Rewards factors. You may then use them to guide journey by way of Chase Journey℠ with a redemption bonus or switch them to airline and lodge companions for doubtlessly much more worth.
To study extra, learn our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Citi Double Money Card
The Citi Double Money® Card (see charges and costs) makes it straightforward to earn strong 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 charge: $0.
Why I prefer it: The very best perk of the Citi Double Money is its easy rewards construction. Cardholders earn 2% money again on all purchases (1% if you make a purchase order and one other 1% if you pay it off).
Plus, the cardboard is a implausible selection 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 study extra, learn our full overview of the Citi Double Money.
Apply right here: Citi Double Money Card
Citi Strata Card
The Citi Strata℠ Card (see charges and costs) gives a invaluable bonus and nice incomes charges, particularly when you think about it fees no annual charge.
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 supply at a price of $570.
Annual charge: $0.
Why I prefer it: The Citi Strata earns ThankYou Rewards factors at a excessive charge 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 study extra, learn our full overview of the Citi Strata.
Apply right here: Citi Strata Card
Delta SkyMiles Gold American Specific Card
Delta Air Strains flyers will recognize the extent of advantages that the Delta SkyMiles® Gold American Specific Card provides in alternate for its modest annual charge.
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 supply is price $625.
Annual charge: $0 introductory annual charge for the primary 12 months, then $150 (see charges and costs).
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, this can be a nice card to contemplate.
To study extra, learn our full overview of the Delta SkyMiles Gold Amex.
Apply right here: Delta SkyMiles Gold American Specific Card
Hilton Honors American Specific Card
The Hilton Honors American Specific Card comes with strong 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 supply ends Jan. 14, 2026. TPG’s November 2025 valuations deem this supply to be price $500.
Annual charge: $0 (see charges and costs).
Why I prefer it: The Hilton Honors Amex is an entry-level card within the Hilton Honors lodge program. You may 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 charge.
To study extra, learn our full overview of the Hilton Honors Amex.
Apply right here: Hilton Honors American Specific 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 costs) 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 supply is price $400, per TPG’s November 2025 valuations.
Annual charge: $0.
Why I prefer it: If you’d like a no-annual-fee lodge bank card, there’s a lot to love concerning the IHG One Rewards Traveler card.
One in every of its finest perks is the fourth-award-night-free profit if you redeem IHG One Rewards factors. With this profit, you will pay no factors for each fourth evening on an award keep of 4 nights or longer.
To study extra, learn our full overview 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 costs) 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 supply, in response to TPG’s November 2025 valuations.
Annual charge: $0.
Why I prefer it: United’s entry-level cobranded bank card provides a easy technique to earn United MileagePlus miles throughout a number of bonus classes. Plus, the cardboard gives a reduction on United inflight purchases and United Membership premium drink purchases.
It is a strong possibility for newbies trying to earn United miles with out paying an annual charge.
To study extra, learn our full overview of the United Gateway.
Apply right here: United Gateway Card
Wells Fargo Lively Money Card
If you happen to financial institution with Wells Fargo, the Wells Fargo Lively Money® Card (see charges and costs) gives easy money rewards earnings so that you can get pleasure from.
Welcome bonus: Earn a $200 money rewards bonus after spending $500 on purchases within the first three months from account opening.
Annual charge: $0.
Why I prefer it: You may earn limitless 2% money rewards on purchases, making it an awesome selection for these in search of a simple incomes construction.
The cardboard additionally gives mobile phone safety and 0 legal responsibility safety, that are notable perks for a no-annual-fee card.
To study extra, learn our full overview of the Wells Fargo Lively Money.
Apply right here: Wells Fargo Lively Money Card
Backside line
Welcome bonuses are a good way to get your account balances off to an excellent begin. Even the best bonuses to hit are sometimes price a minimum of a couple of hundred {dollars}. Nonetheless, notice that every issuer has its personal algorithm concerning if you’re capable of earn a bonus.
Although these playing cards have minimal spending necessities on the decrease facet, spend mindfully to make sure you unlock the complete worth of the welcome supply. A invaluable introductory bonus may give your rewards technique a supercharged enhance.
Associated: Received a brand new bank card? Listed here are 4 ideas that can assist you earn your welcome bonus
For charges and costs of the Delta SkyMiles Gold Amex card, click on right here.
For charges and costs of the Hilton Honors Amex card, click on right here.
