Which Cash-Back Credit Cards Offer a Good Welcome Bonus? - NerdWallet (2024)

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• Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

• Cash-back rewards: Unlimited 2% cash rewards on purchases.

• Annual fee: $0.

» MORE: Credit cards that earn 2% cash back or more on purchases

• Welcome offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

• Cash-back rewards: 4 points per $1 spent on dining, 2 points per $1 spent at grocery stores, gas stations, EV charging stations and on eligible streaming services, and 1 point per $1 spent on all other eligible purchases.

• Annual fee: $0.

• Welcome offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening..

• Cash-back rewards: 3% back on a category of your choice (chosen from a list), 2% back on grocery stores and wholesale clubs for the first $2,500 of combined bonus category/ grocery store/wholesale club spending per quarter; then 1% back on these purchases. 1% back on all other purchases.

• Annual fee: $0.

• Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

• Cash-back rewards: 3% cash back at U.S. supermarkets on up to $6,000 in spending per year, 3% cash back on U.S. online retail purchases on up to $6,000 in spending per year, 3% cash back on U.S. gas stations on up to $6,000 in spending per year, and 1% cash back on everything else. Terms apply (see rates and fees).

• Annual fee: $0.

• Welcome offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

• Cash-back rewards: 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter (activation of bonus categories is required), 5% back on travel booked through Chase Ultimate Rewards®, 3% back on dining, 3% back on drugstore purchases, 1% on all other purchases. For all cardholders, through March 31, 2025, 5% back on qualifying Lyft services purchased through the Lyft app.

• Annual fee: $0.

• Welcome offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

• Cash-back rewards: 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% back at restaurants and drugstores, and 1.5% on all other non-bonus-category purchases.

• Annual fee: $0.

» MORE: When a 1.5% cash back credit card beats 2% cash back

• Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

• Cash-back rewards: 5% on up to $500 spent per billing cycle in your highest spend category out of 10 categories, including grocery stores, restaurants, streaming services and more. 1% cash back thereafter, and on all other purchases. Cash back is earned in the form of ThankYou® Points which can be redeemed as a direct deposit, check or a statement credit, or for gift cards, travel and Shop with Points at Amazon.com.

• Annual fee: $0.

• Welcome offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

• Cash-back rewards: 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), plus 1% on other purchases.

• Annual fee: $0.

• Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

• Cash-back rewards: 6% cash back at U.S. supermarkets on up to $6,000 in spending per year, 6% back on select U.S. streaming subscriptions, 3% back on transit including U.S. gas stations, plus 1% cash back on everything else. Terms apply (see rates and fees).

• Annual fee: $0 intro annual fee for the first year, then $95.

• Welcome offer: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.

• Cash-back rewards: 4% cash back on dining and entertainment, including streaming services, 3% at grocery stores, and 1% on other purchases.

• Annual fee: $95.

» MORE: How to choose a cash-back credit card

• Welcome offer: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

• Cash-back rewards: 5% cash back in rotating categories that you activate (on up to $1,500 in purchases per quarter) and 1% cash back on all other purchases. Previous bonus categories have included things like restaurants, grocery stores, gas stations and more.

• Annual fee: $0.

» MORE: Best 5% cash back credit cards

• Welcome offer: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

• Cash-back rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases.

• Annual fee: $0.

• Welcome offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

• Cash-back rewards: Earn 1.5% cash back on every purchase made for your business.

• Annual fee: $0.

• Welcome offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

• Cash-back rewards: Earn 5% cash back on up to $25,000 a year in spending at office supply stores and on cable, internet and phone service, 2% cash back on up to $25,000 a year in spending at gas stations and restaurants, and 1% cash back on all other spending.

• Annual fee: $0.

» MORE: How do cash back credit cards work?