The 13 Best Credit Card Signup Bonus Deals of 2018

Many credit cards offer bonuses to new card members. We’ve assembled a list of the best credit card bonuses available today. Some top $500!

best credit card signup bonuses
Today credit card companies are working hard to gain new members. They do it with Super Bowl commercials, of course. But their real secret selling tool is the bonus deal.

Most rewards cards these days offer excellent sign-on bonus deals. Some credit card users even rotate through cards every few months to take advantage of these savings. If you have excellent credit, this can be a good option. Even if you don’t, though, you could choose a long-term credit card partially based on its bonus rewards.

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Table of Contents

Credit Card Bonus Offer
Chase Freedom Unlimited $150
Blue Cash Preferred® Card from American Express $200 Statement Credit
Discover it® CashBack Match™ Rewards 1st Year Cashback Match
Wells Fargo Cash Wise Visa® Card $200
Blue Cash EveryDay® Card from American Express $150 Statement Credit
Capital One® Quicksilver® Card $150
Capital One® Savor® Cash Rewards Credit Card $150
Discover it® Miles – Unlimited 1.5x Rewards Card Miles Match
Capital One® Venture® Rewards Credit Card 50,000 Miles–Up to $500 Value
Chase Sapphire Preferred Card 50,000 Points–Up to $625 Value
The Platinum Card® from American Express 60,000 Points
IHG Rewards Club Select Credit Card 60,000 Points
Wells Fargo Propel American Express® Card 30,000 Points

Cash Bonuses

Chase Freedom Unlimited

$150 cash bonus

Chase launched a new cash back credit card just last year and called it the Chase Freedom Unlimited.  You’ll earn a $150 cash bonus after spending just $500 in the first three months with this card.  Another big benefit is that it includes a 0% intro APR on purchases and balance transfers for 15 months.  After the intro rate expires, the ongoing APR becomes 16.74% – 25.49% variable.

There is no annual fee to own the Chase Freedom Unlimited.  There is also no minimum amount needed to redeem cash back, no limit to the amount of cash back you can earn and no expiration date on your cash back.

Blue Cash Preferred® Card from American Express

$200 statement credit

Blue Cash Preferred $200 statement creditLearn More

The Blue Cash Preferred® Card from American Express currently offers a $200 statement credit after you spend $1,000 in purchases on your new card within the first three months. In addition, you earn up to 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

The card also offers 0% APR on purchases for 12 months. There is a $95 annual fee for this card.

Get more details here.

Discover it® CashBack Match™ Rewards

CashBack Match

Discover it cash back match bonus

This is the only cash back card on our list with an unlimited cash back bonus. Here’s how it works. With the Discover it® CashBack Match™ Rewards card, you earn five percent on certain purchases each quarter and one percent on all other purchases. At the end of the first year, Discover matches the cash back you’ve earned during the year. It’s one of the best deals available today.

On top of the cash back match, Discover gives you free access to your FICO score. You also get an introductory 0% APR on balance transfers and purchases for 14 months. There is no annual fee.

Wells Fargo Cash Wise Visa® Card

$200 cash bonus

The Wells Fargo Cash Wise Visa® Card offers a $200 cash bonus when you spend $1,000 on the card in the first three months. Beyond the bonus you’ll earn 1.5% cash back on every purchase. And during the first 12 months, you can earn 1.8% cash back when you pay with qualified mobile wallet purchases, like Apple Pay® or Android Pay™.

The card offers 0% APR on purchases for the first 12 months. There is no annual fee.

Get more details here.

Blue Cash EveryDay® Card from American Express

$150 statement credit

blue cash everyday reviewLearn More

This is a no-fee version of the Blue Cash® cards. It offers new members a $150 bonus when you spend $1,000 in the first 3 months. Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations, 1% other purchases.

The card offers 0% for 15 months on purchases and balance transfers. There is no annual fee.

Get more details on this card here.

Capital One® Quicksilver® Card – 0% Intro APR for 15 Months

$150 cash bonus

Capital One Quicksilver $150 cash bonusLearn More

The Capital One® Quicksilver® Card – 0% Intro APR for 15 Months offers a $150 cash bonus after you spend $500 in the first three months from account opening. In addition, you’ll earn 1.5% cash back on all purchases. There are no rotating categories to worry about.

The Capital One® Quicksilver® Card also offers a 0% APR on purchases for the first 15 months. There is no annual fee and no foreign transaction fees.

Get more details here.

Capital One® Savor® Cash Rewards Credit Card

$150 cash bonus

Learn More

The Capital One® Savor® Cash Rewards Credit Card pays out a $150 bonus after you spend $500 in purchases in the first three months. On top of the bonus, it rewards you with 3% cash back on dining, 2% on groceries, and 1% on all other purchases

There is no annual fee, no foreign transaction fees and you also get a 0% APR introductory rate for 15 months on purchases and balance transfers.

Get more details here.

Miles Points and Bonuses

Capital One® Venture® Rewards Credit Card

50,000 bonus miles–$500 value

Learn More

When you sign up for this card and spend $3,000 within the first three months of ownership, you’ll get 50,000 bonus miles. That’s worth $500 in travel credits. I’ve used this card for years and have been very happy with the rewards and Capital One customer service. Beyond the bonus, you’ll earn 2 miles for every $1 in purchases charged to the card. And there are no foreign transaction fees.

There is no annual fee the first year, $95 after that.

Get more details here.

Chase Sapphire Preferred Card

50,000 bonus points–Up to $625 value

The Chase Sapphire Preferred is one of the premier travel credit cards available today.  After making $4,000 in purchases during the first three months, you’ll earn 50,000 bonus points.   Those points are worth 25% more when you book your travel through Chase, the bonus could be as lucrative as $625.  You can also receive another 5,000 bonus points after an authorized cardholders makes a purchase within three months.

There are no foreign transaction fees to use the Chase Sapphire Preferred but there is a $95 annual fee.  Luckily, all new cardholders get that fee waived for the first year.

Discover it® Miles – Unlimited 1.5x Rewards Card

Miles Match

The Discover it® Miles – Unlimited 1.5x Rewards Card is similar to the cash back version of the card described above. You’ll earn 1.5 miles for every dollar in purchases. And at the end of the first year, Discover will double the miles you’ve earned. For example, if you earn 30,000 miles during your first year, Discover will match those miles, giving you a total of 60,000.

The card also offers 0% APR on purchases for the first nine months. And unlike most other miles bonus cards, this one has no annual fee.

The Platinum Card® from American Express

60,000 points

Learn More

The Platinum Card® from American Express offers 60,000 Membership Rewards® points after you spend $5,000 in purchases in the first three months. Beyond the bonus, the card offers a wealth of additional rewards. Earn 5x points on flights booked directly with airlines or with American Express Travel. You’ll also earn 5X Membership Rewards® points on eligible hotels booked through American Express. Amex also provides a $200 airline fee credit and up to $200 per calendar year in baggage fees.

The annual fee for this card is $550.

Get more details here.

IHG Rewards Club Select Credit Card

60,000 bonus points

This is a card I signed up for just last year because my family routinely stays at a Holiday Inn Express a couple of times a year.  The IHG Rewards Club Select Credit Card offers 60,000 bonus points after spending $1,000 in the first three months of account opening.  every anniversary, you can enjoy a free night’s stay at over 5,000 locations.  Five points are earned per dollar spent at IHG hotels.  Two points per dollar spent are earned at gas stations, grocery stores and restaurants and single points per dollar spent are earned elsewhere.

You’ll earn an automatic 10% point rebate on redemptions and every cardholder automatically gets bumped to Platinum Elite status.  The IHG Rewards Club Select Credit Card has a $49 annual fee, but it’s waived for all year one cardmembers.

Get more details here.

Wells Fargo Propel American Express® Card

30,000 points

The Wells Fargo Propel American Express® Card pays 30,000 bonus points when you spend $3,000 on the card in the first three months. On everyday spending, you’ll earn 3X points at U.S. gas stations, 3X points at U.S. restaurants, 3X points on travel and 1X point on other purchases.

The card comes with an introductory 0% APR for 12 months on purchases and balance transfers. There is no annual fee.

Get more details here.

Most Offer Other Benefits

Virtually every card on this list offers significant benefits beyond bonus points or miles. Travel rewards, in particular, can be generous, depending on your typical spending patterns. Many of the cards also offer a zero interest transfer deal that can run anywhere from 12 to 18 months.

Some “Gotcha” Provisions to Watch Out For

In researching the cards on this list, I was able to identify at least three recurring provisions that you need to be aware of:

  1. Almost all require you to spend money in order to get the bonus – This can vary from a few hundred to a few thousand dollars, depending on the card. It may not matter much since you will likely use your card for general spending anyway. But the more generous bonuses generally come from the cards that have higher spending requirements. You’ll have to be careful that you aren’t persuaded by the spending requirements to buy items that you wouldn’t normally buy in order to meet the restriction. This can be a problem if you don’t normally shop with a credit card.
  2. APRs are high – The zero interest rate period is certainly attractive, but it will come to an end eventually. When it does, there are interest rates ranging from the low teens to the low 20s awaiting you.
  3. The offers are credit sensitive – Once again if you read the fine print, you will see that the bonus offers will depend on your creditworthiness. If your credit falls below certain criteria, you may not get the bonus offer being promoted – or any of the other perks.

The Bottom Line

One of the beautiful things about competition, especially when businesses vie for consumers is that everybody wins.  Businesses end up getting what they want (which they may end up paying more for) and consumers can shop around for the best good or service that suits their needs.  No one entity controls the market and in the end, the best business will usually prevail.

When looking at the full list of credit card deals above, it’s easy to see just how profitable a few applications can be.  All you need is the excellent credit these cards require, and you can walk away with thousands of dollars in savings.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty.

Topics: Credit Cards

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4 Responses to “The 13 Best Credit Card Signup Bonus Deals of 2018”

  1. A Journey to FI

    Hey Rob, can you comment on the two versions of the AE blue cash? do you have to pay the fee upfront or on your 1st year anniversary? If the latter is true can someone get the blue cash preferred, get the $200 bonus, accumulate 6% and 3% on respective purchases and then right before year 1 downgrade to the same card but no fee version? I could see the case where the $95 fee could be justified with the benefits of the 6% cash back but still wanted to get your take on it. Thanks, JJ

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