Best intro bonus credit cards of 2025

Earn more rewards with an intro bonus card. Get matched to credit cards from our partners based on your unique credit profile.^⍉

See your best matches

Put money back in your pocket

Get cash back, points or miles in the first few months after opening a new card.

Offset annual fees

An intro bonus could cover the annual fee of a credit card with better rewards.

Get more perks

You could get access to airport lounges, travel insurance and fraud protection.

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Cash back Rewards For bad credit For fair credit Balance transfer Secured Low interest Student Travel 0% intro APR No annual fee Intro bonus No foreign transaction fee Airline Hotel Gas For building credit For no credit

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68 partner offers

[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

Need help deciding?When comparing intro bonus credit cards, consider these factors before applying.

Bonus spending requirements

While a few intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Rewards

Cash back credit cards reward you with cash equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some cash back cards offer rewards for spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

[TEST] SAMU-1732-X01-01

Intro bonus:	^100-update
Intro APR:	^{2.5%-update Apr Intro}
Ongoing APR:	^{4.5%-update Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	^20-update0

View details

-update<sup>Test Short Disclaimer</sup>

Rates and fees

[TEST] Discover it^® Student Cash Back

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	17.24% - 26.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

[TEST] Discover it^® Cash Back

Intro bonus:	Dollar-for-dollar match of all cash back earned the first year
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

One Key+™ Card

Intro bonus:	N/A*
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	N/A*
Annual Fee:	$99

View details

Rates and fees

[TEST] American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	5% (cash back)
Annual Fee:	$325

View details

Rates and fees

Sony^® Card from Capital One^®

Intro bonus:	N/A*
Intro APR:	N/A
Ongoing APR:	14.99% - 24.99% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

View details

[TEST] Citi Rewards+^® Card

Intro bonus:	Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

View details

Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

(83 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-12x (Points per dollar)
Annual Fee:	$150

View details

Terms Apply

Rates and fees

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

View details

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] First PREMIER^® Bank Mastercard^® Credit Card

Intro bonus:	Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	11.99% - 22.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

(1585 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

(62 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$350

View details

Terms Apply

Rates and fees

(9 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$650

View details

Terms Apply

Rates and fees

(2965 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(302 reviews)

Blue Cash Preferred^® Card from American Express

Intro bonus:	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

View details

Terms Apply

Rates and fees

(2904 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(272 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0 introductory annual fee for the first year, then $150.

View details

Terms Apply

Rates and fees

(349 reviews)

Chase Sapphire Preferred^® Card

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	19.99% - 28.24% Variable
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$95

View details

[TEST] SAMU-2236-001

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

(346 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-5x (Miles per dollar)
Annual Fee:	$95

View details

Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

View details

S Disclaimer text_updated

Rates and fees

(28 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$650

View details

Terms Apply

Rates and fees

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card TESTV6

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	40x-50x (Miles per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

(35 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-10x (Miles per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] SAMU-2071-005

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 95,000 Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.99%-29.99% Variable
Rewards:	x ( per dollar)
Annual Fee:	$650

View details

Rates and fees

[TEST] SAMU-2073-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1131 reviews)

Discover it^® Chrome

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] GenAI Summary Test Bank of America^® Customized Cash Rewards credit card

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

(203 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(375 reviews)

Discover it^® Miles

Intro bonus:	Discover will match all the Miles you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

(4 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	Earn up to 135,000 Marriott Bonvoy^® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$250

View details

Terms Apply

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-004

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] American Express^® Gold Card

Intro bonus:	Earn 35,000 Membership Rewards^® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Ongoing APR:	See Rates & Fees
Rewards:	3x-4x (Points per dollar)
Annual Fee:	$250

View details

Terms Apply

Rates and fees

[TEST] SAMU-2071-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$95

View details

Rates and fees

(9199 reviews)

Discover it^® Cash Back

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

View details

Rates and fees

Wells Fargo Active Cash℠ Card test test test

Intro bonus:	Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
Intro APR:	0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	14.99%-24.99% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(967 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

View details

Rates and fees

(405 reviews)

Chase Freedom Unlimited^®

Intro bonus:	Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.49% Variable
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

View details

(37 reviews)

Citi Strata Premier℠ Card

Intro bonus:	Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

Apply View details

Rates and fees

(27 reviews)

Chase Sapphire Reserve^®

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	20.24% - 28.74% Variable
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$550

View details

[TEST] SAMU-2073-0015

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1976 reviews)

Blue Cash Everyday^® Card from American Express

Intro bonus:	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-3% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

(667 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

[TEST] Capital One Venture Rewards Credit Card - update

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account openingv
Ongoing APR:	19.99% - 29.49% (Variable)v
Rewards:	N/A*
Annual Fee:	$950

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Rates and fees

(3 reviews)

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

(528 reviews)

American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-4x (Points per dollar)
Annual Fee:	$325

View details

Terms Apply

Rates and fees

(339 reviews)

The Platinum Card^® from American Express

Intro bonus:	Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$695

View details

Terms Apply

Rates and fees

[TEST] SAMU-2073-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST]

Intro bonus:	test bonus
Ongoing APR:	N/A*
Rewards:	x ( per dollar)
Annual Fee:	N/A*

View details

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

View details

Short Disclaimer

Rates and fees

[TEST] SAMU-2071-006

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1959-003

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

(2 reviews)

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best credit card intro bonus

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To get the intro bonus, you have to spend a specific amount.

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See which card will earn you more on what you already buy.

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Frequently asked questions

A credit card intro bonus, also called a credit card sign-up bonus, is an incentive for signing up for a credit card and spending a certain amount on it. A credit card intro bonus typically comes in the form of cash back, points or miles.

To earn an intro bonus, you'll first need to be approved for a credit card that offers sign-up bonuses to new cardholders. Then, you'll typically need to spend a certain amount of money on the card within a given amount of time. For example, an intro bonus card may require you to spend $500 within three months in order to qualify for the bonus. Once you meet the spending requirements, it can take a few weeks for your bonus to appear in your account.

There is no set limit on how many times you can receive credit card intro bonuses from different cards. That said, you can't earn a bonus more than once on a given card and some card issuers have policies that prevent a single cardholder from earning certain bonuses multiple times.

The easiest credit card intro bonuses to earn are from credit cards with low spending requirements. For instance, a intro bonus that requires you to spend $500 to within three months to earn the bonus will be substantially easier to attain than one that requires you to spend $3,000 within three months. That said, the more difficult to attain bonus could be more bigger and more valuable. Be sure to pick an intro bonus that aligns with how you expect to use the card and how much money you can afford to spend.

No, credit card intro bonuses are not taxable. You won't have to pay any taxes on your card's welcome bonus because your bonus is a credit for money you've already spent. So, for example, if you spend $3,000 on your credit card and are rewarded with a $500 bonus, that's money that you've saved on your purchases—not money you were gifted. Ultimately, it still means more money back in your pocket. But because of this distinction, it isn't taxable income.

In general, credit card intro bonuses require you to meet a spending requirement in order to earn the bonus. Once the requirement is met, you'll be awarded the bonus. Keep in mind that it can take anywhere from a week to a couple statement periods for your bonus rewards to appear on your credit card statement.

While it is possible to open multiple credit cards to get multiple intro bonuses, applying for credit too frequently has a negative impact on your credit. It's a good idea to time applying for a new intro bonus credit card with an occasion where you're planning to spring for a large purchase, such as when you're furnishing a home or buying a new appliance. That way, you can confidently earn the intro bonus without overspending. Then, wait at least six months before you apply for another card. While it may be possible to qualify for multiple intro bonus cards at once, but pursuing sign-up bonuses shouldn't come at the cost of damaging your credit.

No, it's typically not a good idea to cancel your credit card once you earn the intro bonus. There are a couple reasons why.

First, it's important that you check your intro bonus credit card's terms before you close the card. Some sign-up bonus cards have terms that require you to leave the account open for a certain period of time after earning the bonus. Violating these conditions could mean losing your rewards; some credit card issuers will take back your welcome bonus if you close the card within the first year, for example.

Second, opening and closing credit cards frequently can have a negative impact on your credit. New credit card applications show up on your credit report, and having a large number of inquiries in a short period of time can make you look unreliable to lenders. In addition to this, opening new accounts decreases the average age of your credit, whereas leaving accounts open over time increases the age of your credit. Even if you don't plan to use the credit card frequently, it's generally best for your score if you keep credit accounts open and allow them to age.

As an added benefit, leaving your credit card open without running up a balance will lower your credit utilization rate, which has a positive impact on your score and conveys to lenders that you aren't overly reliant on credit.

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How to find the best credit card intro bonus

Know the minimum

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Consider annual fees

Plan for the future

Frequently asked questions

What is a credit card intro bonus?

How do I earn an intro bonus?

How many credit card intro bonuses can I earn?

Which credit card intro bonuses are the easiest to earn?

Are credit card intro bonuses taxable?

Are credit card intro bonuses given right away?

Can you open multiple cards at once to get more intro bonuses?

Should I cancel my credit card once I earn the intro bonus?

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