When making a purchase or payment $500 or larger, consider opening a new credit card account with a cash back sign-up bonus of $100 or more.

You could earn hundreds of tax-free dollars a year by planning your credit card applications the smart and steady way.

Since the bonus offers usually require spending a certain minimum amount on the card, time your larger charges with getting a new credit card account.

Many of card’s bonus can only be redeemed for travel or store purchases, which is good only for certain people. The offers below give the cardholder account holder actual cash in the form of a tax-free rebate, i.e. statement credit.

TD Cash

• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Offer expires January 14, 2017
• 0% Intro APR for 12 months from account opening on purchases and balance transfers. Balance transfer fee is 4% of the amount transferred, $5 minimum
• 2% cash back on dining purchases, such as delis, fast food, coffee shops, casual restaurants and fine dining
• 1% cash back on all other purchases
• Rewards do not expire as long as your account is open
• No annual fee
• No foreign transaction fee

Blue Cash Everyday® Card from American Express

• Earn a $100 Bonus after you spend $1,000 on purchases in your first 3 months from account opening
• 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
• 2% at U.S gas stations
• 1% cash back on all other purchases
• 0% intro APR on purchases and balance transfers for 12 months (3% fee applies, $5 minimum)
• Cash Back rewards do not expire as long as your account is open
• No annual fee

Chase Freedom®

• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
• 1% cash back on all other purchases
• 0% Intro APR for 15 months from account opening on purchases and balance transfers. Balance transfer fee is 5% of the amount transferred, $5 minimum
• Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
• Cash Back rewards do not expire as long as your account is open
• No annual fee

Blue Cash Preferred® Card from American Express

• Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
• Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
• You will receive cash back in the form of statement credits.
• Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
• 3% at U.S gas stations
• 1% other purchases. Terms and limitations apply.
• No rotating reward categories. No enrollment required.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
• 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.

BUSINESS CREDIT CARDS

Credit card signup bonus offers aren’t just for individuals. If you own a small business, have a side hustle, or are self-employed, you could qualify for any of these business card signup bonus offers.

Ink Cash® Business Credit Card

• Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn
• 0% introductory APR for 12 months on purchases and balance transfers
• Employee cards at no additional cost
• No Annual Fee

Capital One® Spark Miles for Business

• Earn 2 miles per dollar on all purchases. Plus, the opportunity to earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first 3 months.*
• Receive 5,000 bonus miles by signing up for one or more employee cards
• Enjoy exclusive, award-winning customer service
• $0 intro annual fee for the first year; $59 after that
• There’s no limit to the amount of miles you can earn and miles don’t expire
• Redeem miles for travel, cash back, gift cards, merchandise, and more
• Fly on any airline, anytime, with no blackout dates or seat restrictions

SimplyCash® Plus Business Credit Card from American Express

• For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.
• Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
• Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.
• No Annual Fee. Plus, more buying power and more cash back.
• 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
• 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
• 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.

Use Credit Card Bonuses Wisely

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

Use the signup bonuses with 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 than provide and closing an account limits your buying power.