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Images By Tang Ming Tung/Getty Images July 22, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Kelli Pate is a former contributor to Bankrate and a freelance writer and copy editor living in Kansas City, though she's a Jersey girl at heart. When she's not writing about personal finance and credit cards, she's immersing herself in the world of travel hacking. Jacqueline is a contributor for Bankrate and has worked with more than a dozen financial brands, including , , , , , , , SoFi and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school. You can learn more about her work and connect with her on or at . Sometimes . Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Bankrate logo The Bankrate promise
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Flat cash back bonuses are just that: A fixed amount of cash, often in the form of a , that you’ll receive after meeting certain spending requirements within a specified time frame. Blue Cash Preferred Card from American Express
Welcome bonus: $250 statement credit after you spend $3,000 within the first six months of card membership Annual fee: $95 ($0 intro annual fee for the first year) Rewards rate: 6 percent cash back on U.S. supermarket purchases (on up to $6,000 in purchases per year, then 1 percent back); 6 percent cash back on select U.S. streaming subscription services; 3 percent cash back on U.S. gas station purchases and transit; 1 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 12 months (then a variable APR of 16.99 percent to 27.99 percent); complimentary ShopRunner membership; purchase and return protection on eligible items; extended warranty coverage; earn bonus rewards through Read our full review of the . Capital One Savor Cash Rewards Credit Card*
Welcome bonus: $300 cash bonus after spending $3,000 within the first three months Annual fee: $95 Rewards rate: 8 percent cash back on tickets from Vivid Seats (through Jan. 31, 2023); 4 percent cash back on , dining and select popular streaming services; 3 percent cash back at grocery stores; 1 percent cash back on all other purchases What else you should know: Save money when you shop online with the Capital One Shopping browser extension; access; no foreign transaction fees Read our full review of the . Best no-annual-fee cards with a flat cash back bonus
Don’t want to pay an annual fee? Consider these card options: Chase Freedom Unlimited
Welcome bonus: Earn an additional 1.5 percent cash back on top of all purchases’ original cash back rate (on up to $20,000) for the first year (exclusive offer through Bankrate) Annual fee: $0 Rewards rate: 5 percent cash back on Lyft purchases (through March 2025); 5 percent cash back on travel purchased through Chase Ultimate Rewards; 3 percent cash back on dining; 3 percent cash back at drugstores; 1.5 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 17.99 percent to 26.74 percent); eligible for Chase’s , which provides a 25 percent to 50 percent value boost when you redeem rewards toward past purchases or charitable contributions; can combine cash back with a Chase Ultimate Rewards card to redeem for travel in the portal or transfer to a at a 1:1 ratio; free DashPass subscription for three months, then 50 percent off for nine months (must activate before Dec. 31, 2024) Read our full review of the . Capital One SavorOne Cash Rewards Credit Card
Welcome bonus: $200 cash bonus after spending $500 on purchases within the first three months Annual fee: $0 Rewards rate: 8 percent cash back on purchases from Vivid Seats (until Jan. 31, 2023); 3 percent cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target); 1 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 17.99 percent to 27.99 percent); save money when you shop online with the Capital One Shopping browser extension; Capital One Entertainment access; no foreign transaction fees Read our full review of the . Capital One Quicksilver Cash Rewards Credit Card
Welcome bonus: $200 cash bonus after spending $500 on purchases within the first three months Annual fee: $0 Rewards rate: 1.5 percent cash back on all purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 17.99 percent to 27.99 percent); Capital One Entertainment access; no foreign transaction fees Read our full review of the . Bank of America Customized Cash Rewards credit card
Welcome bonus: $200 online cash rewards after spending $1,000 on purchases within the first 90 days of account opening Annual fee: $0 Rewards rate: 3 percent cash back in the category of your choice (choose from gas, online shopping, dining, travel, drugstores or home improvement); 2 percent cash back at grocery stores and wholesale clubs; 3 percent and 2 percent cash back categories capped at $2,500 in combined quarterly purchases, then 1 percent cash back in these categories; 1 percent cash back on everything else What else you should know: 0 percent intro APR on purchases and balance transfers for 18 billing cycles, then a variable APR of 16.99 percent to 26.99 percent (0 percent intro APR applies to balance transfers made in the first 60 days; a 3 percent fee (min. $10) applies); can change 3 percent cash back category once a month; members can earn a 25 percent to 75 percent boosted rewards rate depending on their status tier; access to BankAmeriDeals’ limited-time offers Read our full review of the . Bank of America Customized Cash Rewards credit card last updated on October 3, 2022. Blue Cash Everyday Card from American Express
Welcome offer: Earn up to $250. Earn 20% back (up to $150 in statement credits) on purchases with PayPal merchants. Plus, earn $100 as a statement credit after you spend $2,000. Complete both in the first 6 months of card membership. Annual fee: $0 Rewards rate: 3 percent cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 in each category per calendar year, then 1 percent) and 1 percent cash back on other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 16.99 percent to 27.99 percent); Amex’s ; access to American Express Experiences; complimentary ShopRunner membership; earn bonus rewards through Amex Offers; receive a $7 credit each month when you spend $13.99 or more per month on an eligible Disney Bundle subscription Read our full review of the . Chase Freedom Flex
Welcome bonus: $200 cash bonus after spending $500 within the first three months Annual fee: $0 Rewards rate: 5 percent cash back on (on up to $1,500 in purchases per quarter, then 1 percent); 5 percent cash back on Lyft purchases (through March 2025); 5 percent cash back on travel purchased through Chase Ultimate Rewards; 3 percent cash back on dining and at drugstores; 1 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 17.99 percent to 26.74 percent); eligible for Chase’s Pay Yourself Back; option to combine cash back with a Chase Ultimate Rewards card to redeem for travel in the Ultimate Rewards portal or transfer to a Chase travel partner at a 1:1 ratio; free DashPass subscription for three months, then 50 percent off for nine months (must activate before Dec. 31, 2024); ; trip cancellation/interruption insurance Read our full review of the . Amazon Prime Rewards Visa Signature Card*
Welcome bonus: Up to $150 Amazon gift card upon approval Annual fee: $0 ($139 Amazon Prime subscription required) Rewards rate: 5 percent cash back at Amazon.com and Whole Foods Market; 2 percent cash back at restaurants, gas stations and drugstores; 1 percent cash back on all other purchases What else you should know: Earn 10 percent to 25 percent back on certain items through limited-time, exclusive Prime card offers; purchase protection; extensive travel protections like travel accident insurance, lost luggage reimbursement, baggage delay insurance, an auto rental collision damage waiver and roadside dispatch Read our full review of the . Best cards with a higher bonus potential
If you spend more with these cash back cards, you can get a bigger welcome bonus. Plus, all of these cards come with no annual fee, which means they can be particularly lucrative — especially if the earnings categories already align with your spending habits. Discover it Cash Back
Welcome bonus: Automatic — Discover will double all of the cash back you’ve earned during your first year Annual fee: $0 Rewards rate: 5 percent cash back on (on up to $1,500 in purchases per quarter, then 1 percent); 1 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 14.99 percent to 25.99 percent); no penalty APR or penalty fee on your first late payment (then up to $41 fee); free identity theft alerts (requires activation); no foreign transaction fees Read our full review of the . Discover it chrome
Welcome bonus: Automatic Cashback Match — Discover will double all of the cash back you’ve earned during your first year Annual fee: $0 Rewards rate: 2 percent cash back at gas stations and restaurants (on up to $1,000 in combined quarterly purchases, then 1 percent); 1 percent cash back on all other purchases What else you should know: 0 percent intro APR on purchases and balance transfers for 15 months (then a variable APR of 14.99 percent to 25.99 percent); free identity theft alerts (requires activation); no penalty APR or penalty fee on your first late payment (then up to $41 fee); no foreign transaction fees Read our full review of the . Capital One Walmart Rewards Mastercard
Welcome bonus: 5 percent cash back on in-store Walmart purchases for the first 12 months when you use your card with Annual fee: $0 Rewards rate: 5 percent cash back at Walmart.com (including pickup and delivery); 2 percent cash back in Walmart stores and at gas stations; 2 percent cash back at restaurants and on travel; 1 percent cash back on all other purchases What else you should know: Can use the card immediately after approval in the Walmart app; no penalty APR Read our full review of the . Discover it Student Cash Back
Welcome bonus: Automatic Cashback Match — Discover will double all of the cash back you’ve earned during your first year Annual fee: $0 Rewards rate: 5 percent cash back on activated bonus category purchases (on up to $1,500 in combined purchases per quarter, then 1 percent); 1 percent cash back on all other purchases What else you should know: No credit history is required to apply; 0 percent intro APR on purchases for six months and 10.99 percent intro APR on balance transfers for six months (then a variable APR of 15.99 percent to 24.99 percent); free identity theft alerts (requires activation); no penalty APR or penalty fee on your first late payment (then up to $41 fee); no foreign transaction fees Read our full review of the . The bottom line
Earning cash back with a credit card is great, but earning an extra cash bonus after opening a new card is even better. You’ll have to decide if a credit card with or is a . Either way, don’t let exciting welcome offers encourage you to spend more than you can afford to pay off in time just to earn a welcome reward — interest charges may very well cancel out the benefits of a welcome bonus. *All information about the Capital One Savor Cash Rewards Credit Card and the Amazon Prime Rewards Visa Signature Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer. SHARE: Kelli Pate is a former contributor to Bankrate and a freelance writer and copy editor living in Kansas City, though she's a Jersey girl at heart. When she's not writing about personal finance and credit cards, she's immersing herself in the world of travel hacking. Jacqueline is a contributor for Bankrate and has worked with more than a dozen financial brands, including , , , , , , , SoFi and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school. You can learn more about her work and connect with her on or at . Sometimes . Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Related Articles