If you’re looking for attractive bonus credit card offers in the US, there are several options available, each catering to different spending habits and rewards preferences. Here you will find credit cards offers with bonuses like $200 signup rewards, miles, and unlimited cash backs. Each card has its unique benefits, so your choice should align with your spending habits and rewards preferences.
1. Wells Fargo Active Cash® Credit Card
- Bonus Cash Rewards: $200 cash bonus when you spend at least $500 in purchase in the first 3 months
- Annual Fees: $0
- Cash Back: 2% unlimited cash rewards on purchases, making it an excellent choice for those who prefer a no-fuss rewards structure without having to track varying categories.
- Interest Rate: 0% Intro APR for 15 months. After these 15 months, you will have to pay a variable APR between 20.24% to 29.99% on any outstanding balance. But if you pay your outstanding balance within 120days, you will qualify for the 0% Intro APR.
- Protection: Zero liability protection as long as you report unauthorized use promptly. You get up to $600 of cell phone protection against damages or theft. You also get a voice verification and 2-step verification to help protect your card.
- Requirements: A good to excellent credit score, typically in the range of 670 and higher, is recommended for a better chance of approval.
See More Details About Wells Fargo Active Cash Credit Card ➔
2. Chase Freedom Flex℠ Credit Card
- Bonus Cash Rewards: Earn a $200 bonus after you spend $500 on purchases in your first 3 months.
- Annual Fees: $0.
- Cash Back: 5% on rotating quarterly categories, 3% on dining and at drugstores, and 1% on all other purchases.
- Interest Rate: 0% Intro APR on purchases and balance transfers for 15 months. After that, a variable APR of 17.99% to 26.74%.
- Protection: The credit card includes Zero Liability Protection, Purchase Protection, and Extended Warranty, along with Trip Cancellation Insurance, Cell Phone Protection, and 24/7 Fraud Monitoring. It also offers Auto Rental Collision Damage Waiver and Travel and Emergency Assistance Services
- Requirements: Although they do not specify credit score requirements, it would be a good idea to only apply if your score is above 650.
3. Wells Fargo Autograph℠ Card
- Bonus Points: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months. This is bonus is worth $200 in redemption value.
- Annual Fees: $0.
- Rewards: 3x points on select categories like dining, travel, gas stations, transit, popular streaming services, and phone plans; 1x points on all other purchases.
- Interest Rate: 20.24% to 29.99%. APR
- Protection: You get comprehensive coverage with Cellular Telephone Protection up to $600, Travel and Emergency Services including auto rental waivers and 24/7 roadside assistance, and Financial Management Tools like cashback deals, Zero Liability protection, and Credit Close-Upsm for FICO® Score ➔ insights, all designed for your security and financial empowerment.
- Requirements: To qualify for this card, good to excellent credit is recommended. This usually means having a credit score in the range of 670 or higher. Applicants with higher credit scores may qualify for better terms or lower interest rates
4. U.S. Bank Cash+ ® Visa Signature ® Card
- Bonus Cash Rewards: Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days.
- Annual Fees: $0.
- Cash Back: 5% cash-back on two quarterly categories of your choice (up to $2,000 in spend), 2% cash-back on one everyday category of your choice, and 1% cash-back on all other purchases.
- Interest Rate: 19.49% to 29.74% APR
- Protection: Along with fraud protection and zero fraud liability, the card often includes other benefits such as extended warranty coverage, and auto rental collision damage waiver. However, these benefits can change, so it’s advisable to check the latest cardholder agreement.
- Requirements: Make sure you have a good to excellent credit score before applying. You will need a FICO score of 670 or above in order to stand the chance for approval.
See More Details About U.S. Bank Cash+ ® Visa Signature ® Card ➔
5. Citi Custom Cash® Card
- Bonus Cash Rewards: You can earn $200 in cash back after spending $1,500 on purchases within the first 6 months of account opening. This bonus is fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Annual Fees: $0.
- Cash Back: 5% cash-back on your highest eligible spend category each billing cycle (up to $500 in spend).
- Interest Rate: The card has a variable APR range of 19.24% to 29.24%, based on your creditworthiness. It’s important to be mindful of this, especially if you tend to carry a balance on your credit card.
- Protection: The card offers standard Citi credit card protections, which include fraud early warning, 24/7 customer service, and a $0 liability on unauthorized charges.
- Requirements: To qualify for this bonus credit card offer, you are generally expected to have a credit score of at least 630.
6. Capital One SavorOne Cash Rewards Credit Card
- Bonus Cash Rewards: One-time $200 cash bonus after spending $500 on purchases within the first 3 months.
- Annual Fees: $0.
- Cash Back: 3% on dining, entertainment, popular streaming services, and grocery stores; 1% on all other purchases.
- Interest Rate: The card features a 0% intro APR on purchases for the first 15 months from account opening. After the introductory period, a variable APR, currently 17.99% – 27.99%, based on your creditworthiness, will apply to remaining balances.
- Protection: The card offers fraud coverage in case of lost or stolen cards and 24/7 customer service. Capital One is known for its robust security measures, including virtual card numbers for safer online shopping, alerts for potential fraud, and card lock features through their mobile app.
- Requirements: To qualify for this card, having a credit score of at least 690 is generally recommended
Bottom Line
The above bonus credit card offers in the U.S. caters to a variety of financial needs and preferences. Whether you’re looking for a generous signup bonus, cash back on everyday purchases, or specific rewards in categories like dining and travel, there’s a card for you.
From Wells Fargo’s Active Cash® and Autograph℠ Cards to Chase Freedom Flex℠, U.S. Bank Cash+® Visa Signature®, Citi Custom Cash®, and Capital One’s SavorOne Cash Rewards, each card offers unique advantages with no annual fees.
However, it’s crucial to consider interest rates post-introductory periods and the importance of a good to excellent credit score for approval. Choose wisely, aligning the card’s benefits with your spending habits and financial goals, to maximize rewards and minimize costs.
*** Remember, the right credit card not only provides financial convenience but also empowers your lifestyle choices and financial management.
