Best Intro Bonus OffersUpdated: June 7, 2018

Rewards credit cards are best-known for the ongoing points, miles or cash back they earn for their cardholders, but some credit cards take the extra step and offer more immediate rewards in the form of introductory or signup bonuses. Intro bonuses give you a big chunk of rewards, usually after you meet certain conditions, such as charging a certain amount of money to the card within a certain period of time. A nice credit card intro bonus can give you a jump start on your rewards, quickly adding value to a new card and letting you enjoy its perks mere months after you start using it. If you’re looking for a new card that will let you start earning rewards with a bang, below are some of the best cash back and travel intro bonuses we’ve found.

Best set intro bonuses for cash back cards

The great things about cash back intro bonuses is that you can use them to cover any cost. Even if you only use your credit cards to shop for groceries and pay the bills, you’ll want to consider these cards for their amazing bonuses.

Wells Fargo Cash Wise Visa Card

Best Intro Bonus OffersThe Wells Fargo Cash Wise Visa Card has the highest intro bonus you’ll find on a cash back card with no annual fee (at least of the cards we review), and the cash back rewards themselves are pretty good, too. It earns an intro bonus of $200 in cash back after you spend $1,000 on purchases in the first 3 months, and has an unlimited 1.5% cash back rate for all purchases. This card also has a couple of ongoing offers for the first 12 months of card ownership, including a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for first 12 months, then it raises to 5%), and 1.8% cash back when you pay using the Apple Pay and Android Pay mobile wallets, giving tech-savvy customers a chance to earn more rewards. Additionally, it has one especially unique perk that offers up to $600 of damage and theft coverage for your mobile phone, with a $25 deductible and two claims every 12 months, if you use this card to pay your phone bill. The Wells Fargo Cash Wise Visa Card requires good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Blue Cash Preferred Card from American Express

Best Intro Bonus OffersThe Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) has the same generous intro bonus as the Wells Fargo Cash Wise Visa Card, earning a $200 intro bonus after you spend $1,000 on purchases within the first 3 months. However, this card comes with a $95 annual fee, largely due to its exceptionally high ongoing cash back rates. It earns 6% cash back at U.S. supermarkets (with an annual limit of $6,000 on purchases, then it earns 1%), 3% cash back at U.S. gas stations as well as select U.S. department stores and 1% cash back on everything else. It also has 12 months of 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3% or $5, whichever is greater), and a host of consumer-friendly perks, such as return protection, purchase protection and extended warranties, making this card a great shopping companion. If you like this card’s features but don’t want to pay an annual fee, you may want to consider the Blue Cash Everyday Card from American Express, which offers a healthy intro bonus of $150 after you spend $1,000 on purchases in the first 3 months. Both Blue Cash cards require good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Chase Freedom Unlimited

Best Intro Bonus OffersEven though you’ll have to fulfill two requirements instead of just one to claim the Chase Freedom Unlimited’s maximum intro bonus, they’re quite easy to complete. If you spend $500 on purchases in the first 3 months of card ownership, you’ll earn a $150 intro bonus, and if you add your first authorized user to the card and have them make a purchase, you’ll earn an additional $25 bonus. Apart from that, the Chase Freedom Unlimited offers a simple 1.5% cash back on all purchases with no limits, and if you have other Chase cards, you can combine rewards points using the Chase Ultimate Rewards program. There’s also a fairly lengthy 15-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of 5% or $5, whichever is greater), and no annual fee to worry about. Chase Freedom Unlimited requires good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Best set intro bonuses for travel cards

While travel intro bonuses can usually only be spent on one thing — namely, travel — they can be much higher than cash back intro bonuses. Whether you’re a frequent traveler or you just want to subsidize your next vacation, here are the travel cards you should know about.

Chase Sapphire Preferred Card

Best Intro Bonus Offers for Cash Back and TravelThe Chase Sapphire Preferred Card is an amazing card for frequent travelers looking to get the highest intro bonus possible. Its base intro bonus is already huge, sporting a 50,000-point intro bonus (equal to $500 in cash) if you spend $4,000 on purchases in the first 3 months of card ownership, along with another 5,000-point bonus (equal to $50 in cash) that you can claim within that same 3 months after you add your first authorized user to the card and they make a purchase. That adds up to a very nice $550 in bonuses if you redeem the points for cash, but if you redeem the points for travel through the Chase Ultimate Rewards program, those points gain 25% more value, becoming worth $687. What’s even crazier is that the Chase Sapphire Preferred Card lets you do free 1:1 transfers of your points to other participating travel rewards programs, where they could be worth even more. For example, transferring the 55,000 intro bonus points to the Hyatt Gold Passport increases their value to a ridiculous $951! Past the massive intro bonuses, this card earns 2 points on travel and dining all around the world, as well as 1 point per $1 spend on everything else, and comes with travel perks, such as travel accident insurance, reimbursement for lost luggage and zero foreign transaction fees. It does have a $95 annual fee, though it’s free for the first year, so you can try it out at no cost while earning those sweet intro bonuses. The Chase Sapphire Preferred Card requires excellent credit (usually considered a credit score of 750 or higher) to qualify.

Capital One Venture Rewards Credit Card

Best Intro Bonus OffersIt may not have the bonus point bonanza that the Chase Sapphire Preferred Card has, but the Capital One Venture Rewards Credit Card still offers a big intro bonus of 50,000 miles (equal to $500 in travel), and you only need to spend $3,000 on purchases within the first 3 months to achieve it. For ongoing rewards, this card is of tremendous value for people who frequently use popular hotel booking website Hotels.com, as it earns a whopping 10 miles per $1 spent at Hotels.com/venture until January 31, 2020, and a respectable 2 miles per $1 spent on anything else. Since you can redeem your miles for statement credit, you can use them to travel however you like, with no redemption limits like upgrade restrictions or blackout dates. You’ll also get various perks, like no foreign transaction fees, Visa Signature cardholder benefits, such as roadside assistance and extended warranty protection, and a complimentary TransUnion credit score each month with your statement. This card is free for the first year, but after that, it has a $95 annual fee. The Capital One Venture Rewards Credit Card requires good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Bank of America Travel Rewards Credit Card

Best Intro Bonus OffersWhile the Bank of America Travel Rewards Credit Card has a smaller intro bonus than the other two travel cards in this category, its bonus is much easier to earn, it has no annual fee and its ongoing rewards are especially great for Bank of America customers. After spending $1,000 on purchases within the first 90 days, new cardholders will earn 20,000 intro bonus points (equal to $200 in travel) which can be redeemed with few restrictions as statement credit for travel expenses. Additionally, all purchases earn an unlimited 1.5 points per $1 spent, with Bank of America checking or savings customers receiving bonuses, depending on their Preferred Rewards status. Standard banking customers will earn 10% more points, Gold customers 25% more points, Platinum customers 50% more points and Platinum Honors customers 75% more points. This card also has 0% APR on purchases for the first 12 months of card ownership, and no foreign transaction fees. The Bank of America Travel Rewards Credit Card requires good to excellent credit (usually considered a score of 700 or higher) to qualify.

Best match intro bonuses

While most intro bonuses give you a set reward once you fulfill the prerequisites, match intro bonuses scale with your cash back or travel rewards. You’ll have to wait longer to receive your bonus — typically over a year — and you won’t know exactly how much your bonus will be worth, but you won’t have to meet any spending requirements, and there’s usually no limit to how high your bonus can grow. These are our picks for the best match intro bonus credit cards.

Discover it Cash Back

Best Intro Bonus OffersWith the Discover it Cash Back card, you’ll receive an intro bonus equal to the total cash back you earn during your first year as a cardholder. That means, if you earn $300 of cash back in your first year, Discover will match that with another $300 for a total of $600. It’s not difficult to rack up high levels of cash back with this card, as it features a substantial 5% cash back rate on rotating quarterly categories (up to the quarterly max, which is currently $1500; then 1% cash back), and 1% cash back for all other purchases. Categories include grocery stores, restaurants, wholesale clubs and more, and all you have to do to earn is activate your cash back every quarter — Discover will remind you when it’s time to do so. To help you maximize your cash back, this card also has 14 months of 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3%) and no annual fee. You’ll also get an assortment of benefits, such as a free TransUnion FICO score every month, no foreign transaction fees, no penalty APR for late payments and free identity theft protection alerts. Discover it Cash Back requires average to excellent credit (usually considered a score of 670 or higher) to qualify.

Discover it Miles

Best Intro Bonus OffersSimilar to Discover it Cash Back, the Discover it Miles card has an intro bonus equal to the total miles you earn during your first year as a cardholder. However, its ongoing rewards are a bit simpler, earning an unlimited 1.5 miles for every $1 spent, which you can redeem as statement credit or a direct deposit at a rate of $1 per 100 miles. In addition to the intro bonus, it shares a lot of features with the Discover it Cash Back card, including its 14 months of 0% APR for purchases (note that it doesn’t apply to balance transfers), a free FICO score every month, no foreign transaction fees and free identity theft monitoring. Overall, that translates to a very solid travel card with no annual fee, especially for security-conscious customers. The Discover it Miles card requires average to excellent credit (usually considered a score of 670 or higher) to qualify.

Earning credit card rewards over time is great, but a big intro bonus can make you feel like you’ve just won a jackpot. To learn more about great card offers you won’t want to miss, follow our credit cards blog.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.