Credit Cards That Make Earning an Intro Bonus EasyUpdated: May 1, 2019

Intro bonuses are one of the most exciting credit card features, letting you earn a big reward within the first several months of receiving a new card. Almost all intro bonuses come with a minimum spending requirement that you have to meet within a time limit (e.g., spend $500 on purchases in the first 3 months to earn a $150 bonus), and some of those requirements are intimidatingly large (e.g., $5,000 within the first 90 days to earn its 70,000-mile bonus). Even with careful preparation and strategy, there are plenty of people who either get intimidated by such a high spending requirement or can’t realistically meet the high spending requirements set by some cards. Fortunately, there are also intro bonuses at the opposite end of the spectrum with minimums that don’t require much spending to meet. We’re highlighting some of our favorite cards that feature those affordable bonuses, so if you’re in the mood to earn some extra moolah, keep reading.

No minimum spending requirement

Discover it Cash Back

Credit Cards That Make Earning an Intro Bonus EasyWhile most credit card intro bonuses come with spending requirements, Discover it Cash Back bucks the trend with a unique offer. Instead of having a set bonus, at the end of your first year of card ownership, this card will match all of the cash back you’ve earned, giving you a bonus that scales with your spending. It’s not hard to rack up a lot of cash back with this card too, since it earns a generous 5% cash back on categories that rotate every quarter (up to a quarterly maximum, currently $1,500, then 1% cash back) and 1% cash back on all other purchases. Claiming the 5% cash back rate requires signing your card up for it each quarter, but you can register your account to receive free reminder emails so it’s not difficult to manage. Plus, the rotating categories give you the opportunity to earn cash back on a number of different purchases. For example, 2019’s categories include groceries from January to March; gas stations, Uber and Lyft from April to June; restaurants from July to September; and Amazon.com from October to December.

In addition to its intro bonus and cash back, Discover it Cash Back also comes with 14 months of 0% intro APR for both purchases and balance transfers (after the 0% intro APR expires, the go-to variable rate applies) — with a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms) — and a bevy of perks. With this card you’ll enjoy no foreign transaction fees, no late fee on your first late payment, no penalty APR, a free TransUnion FICO Score every month, free identity theft protection alerts and Discover Freeze it, which lets you temporarily lock your card from a computer or mobile device in case you lose or misplace it. Possibly best of all, this card has no annual fee and only requires average to excellent credit for approval, which typically means consumers with credit scores of 670 or above can qualify. Cash back earned with Discover it Cash Back can be redeemed for cash via a direct deposit into your bank account, a statement credit, gift cards, payment via Amazon.com and more.

$500 minimum spending requirement

Chase Freedom

Credit Cards That Make Earning an Intro Bonus EasyIf you’d like a card with rotating cash back categories and a more conventional intro bonus, Chase Freedom is what you’re looking for. It provides a cool $150 cash back bonus after you spend $500 on purchases in your first 3 months of card membership, earns 5% cash back on quarterly rotating categories (on up to $1,500 in purchases each quarter, then 1% cash back) and 1% cash back on other purchases while charging no annual fee. You’ll need to activate your 5% cash back every quarter to receive it, though you can have Chase text or email you each quarter to prompt you, or you can sync your account with a Google, Outlook, iCal or Yahoo online calendar to get reminder notifications. This card comes with a variety of redemption options for your cash back, including statement credit, direct deposit, Amazon credit or even transfer to another Chase card that offers Ultimate Rewards, such as Chase Sapphire Preferred, to be used for travel.

Besides the monetary rewards, Chase Freedom sports a surprisingly nice 0% intro APR offer, granting a 15-month 0% intro APR for both purchases and balance transfers (with a balance transfer fee of 3% or $5, whichever is greater). If you use this card to make a big purchase or transfer a balance you currently have, you won’t have to worry about interest for quite a while. To top everything off, you’ll get a free weekly credit score with Chase’s Credit Journey service. This card requires good to excellent credit (usually considered a credit score of 700 or above) to qualify.

Capital One SavorOne Cash Rewards Credit Card

Credit Cards That Make Earning an Intro Bonus EasyIf you’re someone who frequently dines out or goes to the movies, the Capital One SavorOne Cash Rewards Credit Card is for you. Besides getting a very nice $150 intro bonus after spending $500 on purchases in the first 3 months, you’ll also earn an unlimited 3% cash back on dining and entertainment (e.g., purchases at movie theaters, zoos, live theater and more), 2% cash back at grocery stores and 1% cash back on all other purchases. Rewards earned with the Capital One SavorOne Cash Rewards Credit Card can be redeemed in the form of a check, gift card or statement credit. The card has no annual fee and no foreign transaction fees, and 15 months of 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3%). The Capital One SavorOne Cash Rewards Credit Card requires good to excellent credit (usually considered a credit score of 700 or higher) for approval.

$1,000 minimum spending requirement

Wells Fargo Cash Wise Visa Card

Credit Cards That Make Earning an Intro Bonus EasyThe Wells Fargo Cash Wise Visa Card is all-around solid and sensible, coming with a fantastic $200 cash back sign-up bonus that only requires spending $1,000 on purchases within 3 months of opening the card and no annual fee. Its ongoing cash back rewards don’t demand any decisions or maintenance, earning an unlimited 1.5% cash back on all purchases, and during your first 12 months, Google Pay and Apple Pay mobile wallet purchases will earn a slightly boosted 1.8% cash back. Cash rewards earned with this card can be redeemed for direct deposit into a Wells Fargo checking or savings account, a withdrawal at a Wells Fargo ATM (note that you must be a Wells Fargo banking customer to redeem via ATM), physical check, gift cards, merchandise and travel.

The card also comes with some practical features, most notably cell phone protection that will reimburse you up to $600 per claim in cases of covered damage or theft ($25 deductible, maximum of 2 claims per 12-month period). All you have to do to get this perk is use the Wells Fargo Cash Wise Visa Card to pay your phone bill. Additionally, this card comes with a 12-month 0% intro APR for both purchases and balance transfers (with an intro balance transfer fee of 3% for first 120 days, then 5%), which is always helpful. The Wells Fargo Cash Wise Visa Card requires good to excellent credit (usually considered a credit score of 700 or above) to qualify.

Bank of America Travel Rewards credit card

lowest intro bonus spending requirementsIf you have a heart set on adventure, the Bank of America Travel Rewards credit card has an intro bonus you should take note of. By spending $1,000 on purchases in the first 90 days of opening your account, you’ll earn a 25,000-point bonus, which you can redeem for $250 in statement credit toward travel expenses. Considering this card has no annual fee, that’s an exceptional bonus for such a low spending requirement! As for ongoing rewards, the Bank of America Travel Rewards credit card earns an unlimited 1.5 points for each $1 spent on purchases.

Additionally, having a Bank of America checking or savings account will boost your rewards earnings by 10% on every purchase, and if you’re a Gold, Platinum or Platinum Honors customer you’ll receive an even better rewards bonus of 25% to 75%, depending on your status level. Speaking of purchases, this card has a 12-month 0% intro APR on purchases, so while you’re earning rewards, you won’t have to worry about paying interest on your charges for a whole year. To qualify for the Bank of America Travel Rewards credit card, you’ll need good to excellent credit (usually considered a credit score of 700 or above).

No matter what your spending habits are, there’s a card out there with an intro bonus that can ramp up your rewards. If none of these credit cards strike your fancy, you can look through our card reviews to find your ideal card.

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.