Best Credit Card Sign-Up Bonuses: Free Money!

We've found the best credit card sign-up bonuses and can't wait to share them with you. Getting a credit card sign-up bonus is like finding money on the sidewalk. It is awesome to get free money. And you can repeatedly get lots of free money if you sign up for the right credit cards.

Credit card companies and financial institutions are currently engaging in a war for your business. As a result, consumers who take advantage of these great offers win.

Many Ways To Earn And Redeem Rewards

Best Credit Card Sign-Up Bonus Rewards

If you’ve got good or great credit of 690 or above, you likely qualify for one of these best credit card signup bonuses that will put money back in your hands. For reference, the average credit score in America is now about 706.

My wife and I have used a lot of credit card sign-up bonuses and rewards cards. They have let us earn tens of thousands of dollars in rewards over the years. We've flown to Hawaii multiple times for free.

Rewards points have bought us our MacBook Pros. We've even used rewards points and the best credit card sign-up bonuses for cruises to the Mediterranean.

During the times when we don't feel like buying anything, we use our rewards points as statement credit to pay off our monthly credit card balance. If you're going to spend money anyway, you might as well put it on a credit card and get lots of rewards points!

Best Credit Card Sign-up Bonuses

Financial Samurai has been around since 2009 and is one of the most trusted independent personal finance sites in the world with over 1 million organic visitors a month.

We've spent dozens of hours researching the best credit card sign-up bonuses. With sign-up bonuses, you can use the rewards to pay for anything from a free trip or help pay for your next electronic device.

Here is our list of best credit cards with the best sign-up bonuses.

Capital One Venture Rewards Credit Card


Capital One is the premier credit card company today. They create some of the best credit cards today that fit all sorts of lifestyles. If you've got a credit score of 700 or up, the Capital One Venture Rewards Credit Card has a terrific sign-up bonus.

Welcome Bonus: 100,000 bonus miles after the first $20,000 on spending in the first 12 months – a $1,000 travel rewards value. Alternatively, earn 50,000 bonus miles if you spend $3,000 in the first 3 months – a $500 travel rewards value..

Lifetime Rewards: Unlimited double miles fast on every purchase

Other Perks: No foreign transaction fee, earn unlimited miles, rewards don’t expire for the life of the account, 24-hour travel assistance, $100 in Global Entry or TSA Pre✓ application fee credit, and trip accident insurance.

Great For: International Travelers, Domestic Travelers, Diners

Capital One Quicksilver Cash Rewards Credit Card

CapitalOne Quicksilver Credit Card Review

Think of the Capital One Quicksilver Cash Rewards Credit Card as the catch-all rewards card due to its 1.5% cash back on all purchases. You only need around a 690 credit score and up to qualify.

Welcome Bonus: $200 cash bonus after you spend $500 on purchases within your first 3 months. That's like getting a 40% cash back.

Annual Fee: $0

Lifetime Rewards: Earn unlimited 1.5% cash back every day on all eligible purchases

Other Perks: No foreign transaction fees

Great For: Well-rounded spenders who like flexibility and unlimited cash back rewards

Chase Freedom Flex

Chase Freedom Flex credit card

If you’re looking for a flexible cash back rewards credit card with no annual fee, this is it. The Chase Freedom Flex credit card offers great flat rate rewards. You'll get 5% cash back on up to $1,500 spent each quarter on select rotating categories.

You'll need a credit score of 690 and up to qualify.

Welcome Bonus: $200 cash back after spending $500 in your first 3 months

Lifetime Rewards: Rotating 5% cash back on up to $1,500 spent each quarter on select categories like gasoline, restaurants, grocery stores, convenient stores, streaming services, and department stores.

Other Perks: 0% intro APR on both purchases for 15 months

Great For: People with high-interest balances who want to take advantage of 0% APR for 15 months.

The Chase Freedom Flex card is one of those cards you can pick up and spend $500 in three months to just collect the free $200. Since there is no annual fee, and the credit score to qualify is only 690, you might as well sign up and pocket the bonus!

 Chase Freedom Unlimited

Chase Freedom Unlimited

The Chase Freedom Unlimited offers a slight variation to the Chase Freedom card. Best of all, you can pick up $200 in sign-up bonus cash after spending only $500 on purchases in your first three months, while also paying $0 annual fee!

You'll also need roughly a 690 credit score or higher to qualify. The Chase Freedom Unlimited is a very straightforward card where you get 1.5% cash back on everything, just like the Capital One Quicksilver Card.

Welcome Bonus:  $200 Bonus after you spend $500 on purchases in your first 3 months (new cardholders and applicants only)

Annual Fee: $0

Lifetime Rewards: Unlimited 1.5% cash back on all spending

Other Perks: 5% cash back on travel purchased in the Chase Ultimate Rewards® portal, 3% cash back dining at restaurants and eligible delivery/takeout, 3% cash back on eligible drugstore purchases.

Protections: Some of the best fraud and liability protection there is, plus damage and theft protection on major purchases.

Great For: People who desire a simple, all-around good card with a great signup bonus

Since there is no annual fee to sign up, you might as well get the Chase Freedom Unlimited card to collect the $200 as well.

The Best Credit Card Sign-up Bonuses

If you want free money, then consider signing up for some of these best credit cards. Earning $200 after spending only $500 within three months is incredible, especially if the card has no annual fee.

Just make sure you are diligent in tracking the number of credit cards you own and paying off the balance in full in each month. You never want to let credit card companies take advantage of you. Instead, always take advantage of credit cards.

Put Your Credit Card Rewards To Good Use

Responsible credit card use is great for the convenience and rewards. To help keep easier track of your credit card balances, cash flow, bank accounts, and more sign up for a free account with Personal Capital. Their free and secure online software lets you monitor all of your accounts in one place.

In addition, they have excellent financial tools that help you track your net worth, cash flow, and easily plan for retirement. Check it out for free today.

If you enjoyed this article and want to get more personal finance insights and tips, please sign up for the free Financial Samurai newsletter. You’ll get access to exclusive content only available to subscribers.

About the Author: Sam worked in investment banking for 13 years at Goldman Sachs and Credit Suisse. He received his undergraduate degree in Economics from The College of William & Mary and got his MBA from UC Berkeley. In 2012, Sam was able to retire at the age of 34 largely due to his investments that now generate roughly $250,000 a year in passive income. He spends time playing tennis and taking care of his family.

Financial Samurai was started in 2009 and is one of the most trusted personal finance sites on the web with over 1.5 million pageviews a month.

Review Summary
Review Date
Best Credit Card Sign-up Bonuses
My Current Rating
Product Name
Chase Freedom Unlimited Credit Card
Product Availability
Available in Stock