Best credit card bonuses for January 2025

When purchasing something for as low as $500, consider opening a new credit card account with a cash-back sign-up offer of $200 or more.

You could earn hundreds of tax-free dollars a year by making a plan for your credit card applications.

Since the sign-up offers usually require spending a certain minimum amount on the card, plan your larger purchases by getting a new credit card account.

Many of the card’s bonuses can only be redeemed for travel or store purchases. Other offers give cardholders actual cash as a statement credit.

Chase Sapphire Preferred® Card

$600 cashback (60,000 bonus points) after you spend $4,000 on purchases with your new card within the first 3 months.
10% anniversary points bonus as a sign of customer appreciation
5X points on travel, including hotels and car rentals, purchased through Chase Travel
3X points for online grocery purchases (excludes Walmart, Target, and wholesale clubs)
3X points for dining at restaurants (includes takeout and delivery)
3X points for select streaming services
2X points on travel (taxis, mass transit, airfare, lodging, etc.)
1% on other eligible purchases
Cash back is redeemable as a statement credit
1:1 point transfer for selected loyalty partners
$95 annual fee (waived for first year)

Chase Sapphire Reserve® Card

$600 cashback (60,000 points) after you spend $4,000 on purchases with your new card within the first 3 months.
$300 annual travel credit
10X points on purchases Chase Dining^SMwith Ultimate Rewards
10X points on hotels & car rentals purchased through Chase
3X points on travel and dining, including delivery and takeout
1X point other eligible purchases
Points worth 50% more if redeemed for travel and other select categories
Access to over 1,300 airport lounges with up to 2 guests
Priority Pass^TM Select membership
$550 annual fee

Bank of America Premium Rewards Credit Card

$600 cashback (60,000 points) after you spend $4,000 on purchases on your new card within the first 3 months.
2 points per dollar spent on travel and dining
1.5 points on other eligible purchases
Preferred Rewards members earn 25% to 75% more points per purchase
Get cash back when you redeem the points you earned (100 points = $1)
Travel statement of up to $200 in combined Airline Incidental and TSA PreCheck®
$95 annual fee

Fremont Bank World Mastercard®

$500 cash back bonus after a minimum charge of $5,000 on your new card within the first 3 months.
3% per dollar spent on travel and dining
2% per dollar on gasoline
1% cash back on all other eligible purchases
$95 annual fee (waived the first year)

Disney® Premier Visa® Card From Chase

Get a $400 statement credit with a minimum spend of $1,000 on purchases with a new card within the first 3 months
2% in Disney Reward Dollars at gas stations, grocery stores, restaurants, and most Disney locations
1% in Disney Reward Dollars on all other eligible charges
$49 annual fee

Blue Cash Preferred® Card from American Express

$300 back after you spend a minimum of $3,000 within the first 6 months.
0% intro APR on purchases and balance transfers for 12 months.
6% Cash Back at U.S supermarkets (superstores like Walmart or Target don’t qualify), up to $6,000 per year in purchases, then 1% cash back
6% Cash Back on select U.S. streaming subscriptions
3% at U.S gas stations and on transit (includes rideshares, parking, tolls, buses, trains, and more)
1% other eligible purchases
Cash back is received as Reward Dollars that are redeemable as statement credit.
$95 annual fee (waived for first year)

American Express Blue Cash Everyday® Card

Get $250 back after you spend $2,000 on purchases with a new card within the first 6 months
3% cash back at US supermarkets ($6,000 limit)
3% cash back at US online retailers ($6,000 limit)
3% cash back on gas at US gas stations
1% cash back on all other eligible purchases
0% intro APR on purchases for the first 15 months
No annual fee

AARP® Travel Rewards Mastercard® Card

Get $200 online cash rewards after a spend of $1,000 within the first 90 days
3% cash back on airlines, hotels, car rentals
2% cash back at restaurants
1% rewards on all other eligible purchased items
Introductory 0% APR for the first 15 billing cycles
No annual fee

Bank of America® Customized Cash Rewards Visa® Card

Get $200 online cash rewards after a spend of $1,000 within the first 90 days
3% cash back on the category of your choice
2% cash back at grocery stores and wholesale clubs
1% rewards on all other eligible purchased items
Introductory 0% APR for the first 15 billing cycles
No annual fee

Bank of America® Unlimited Cash Rewards Visa® Card

Get $200 online cash rewards after a spend of $1,000 with first 90 days
Simple 1.5% cash back on all eligible purchases
Introductory 0% APR for the first 15 billing cycles
No annual fee

BMO Harris Bank Cash Back Mastercard®

Earn a $200 Bonus after you spend $1,000 on purchases in your first 3 months from account opening
5% cash back on eligible streaming, cable TV and satellite services
3% on eligible gas and grocery purchases (maximum $1,500 combined, then 1%)
1% cash back on all other purchases
No annual fee

Capital One Quicksilver® Rewards Card

Get $200 back after you spend $500 on purchases with new card within first 3 months
1.5% cash back on all eligible purchases
0% intro APR on purchases and balance transfers for first 15 months
No annual fee

Capital One SavorOne® Credit Card

$200 cash back after you spend $500 in purchases on your new card within the first 3 months
0% intro APR for 15 months on purchases and balance transfers
3% cash back on dining, entertainment, select streaming services
3% cash back at grocery stores
1% other eligible purchases
no annual fee

Citi Custom Cash^SM Card

Get $200 cash rewards after charging $1500 within first 6 months
5% cash back in eligible categories(up to $500 per billing cycle)
1% cash back on all other eligible purchases
0% intro APR for 15 months(until 2026) on new purchases & balance transfers
No annual fee

Elements Financial FCU Signature Rewards Visa® Card

Get a $200 cash bonus after you spend $1,000 on 10 or more purchases with a new card within the first 3 months
1.5% cash back and rewards on eligible everyday purchases
No balance transfer or foreign transaction fees
No annual fee
Credit union membership required

U.S. Bank Altitude® Connect Visa Signature® Card

$200 cashback (20,000 points) after you spend $1,000 in the first 90 days.
4 points per dollar spent on travel, at gas stations and EV charging stations
2 points at grocery stores, dining and streaming services
1 point on all other eligible purchases
0% intro APR on balance transfers for the first 12 months
No annual fee (waived first year)

U.S. Bank Altitude® Go Visa Signature® Card

$200 cashback (20,000 points) after you spend $1,000 in the first 90 days.
4 points per dollar spent on dining, takeout and restaurant delivery
2 points at grocery stores, gas stations/EV charging stations, and streaming services
1 point on all other eligible purchases
$30 credit for annual streaming services purchases such as Netflix, Apple TV+ and Spotify®
0% intro APR on purchases and balance transfers for the first 12 months
No annual fee (waived first year)

U.S. Bank Cash+® Visa Signature® Card

$200 cash back after you spend $1,000 in the first 90 days of account opening
5% cash back at two retailers you choose each quarter
2% cash back one everyday category you choose each quarter
1% cash back on all other eligible purchases
0% intro APR on purchases for the first 15 months
$0 annual fee

Wells Fargo Active Cash^SM Credit Card

Get $200 cash rewards after charging $1,000 within the first 3 months
0% intro APR on purchases for the first 15 months
2% cash rewards on eligible purchases
0% intro APR for 15 months(until 2023) on new purchases & balance transfers
No annual fee

Use Credit Card Bonuses Wisely

Apply these common sense rules before applying for too many credit cards at once.

Have a definite purpose
Before you pick a program, explore each one in depth.

Apply for a maximum of two cards per year
You may earn more rewards by signing up for more, but that could limit your ability to earn bonuses in the future.

Pay your balance in full every billing period
Banks rely on the fact that they earn more in interest and fees than what they give back in bonuses or rewards.

Avoid cards with annual fees
They cost more than the services they provide and closing an account limits your buying power.