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Best credit card offers

Earn cash back, points or miles, or get a long 0% intro APR period.

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Many credit cards come with a signup bonus after you meet specific spending requirements. Depending on the card, you can earn cash back, points or miles, or you can get a long intro APR period on balance transfers and purchases. But if you’re looking for the best welcome offer from a single card, be ready to pay an annual fee.

Best credit card offers

Premium travel credit card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening.

General travel credit card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

Balance transfer credit card

Citi Simplicity® Card

Citi Simplicity® Card

  • 0% intro APR for the first 21 months on balance transfers made within the first 4 months and a 0% intro APR on purchases for 12 months following your account opening.

Rewards credit card

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

  • Earn 30,000 bonus points when you spend $3,000 on purchases in the first 3 months your account is open.

Gas credit card

Citi Premier℠ Card

Citi Premier℠ Card

  • Earn 60,000 ThankYou points when you spend $4,000 on purchases in the first 3 months from account opening.

Airline credit card

AAdvantage® Aviator® Red World Elite Mastercard®

AAdvantage® Aviator® Red World Elite Mastercard®

  • Earn 60,000 miles and a companion certificate after making a purchase within 90 days and after paying the annual fee.

Hotel credit card

Hilton Honors™ Aspire Card

Hilton Honors™ Aspire Card

  • Earn 150,000 Hilton Honors Bonus points when you spend $4,000 on purchases in the first 3 months from account opening.

Business credit card

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 100,000 bonus points when you spend $5,000 on purchases in the first 3 months from account opening.

Cashback credit card

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

  • Earn 3% bonus cash back on up to $10,000 in the first 12 months, then 1.5% cash back after that.
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How we selected our top cards

We looked at several factors when choosing the credit cards with the best introductory offers, including the total reward, how much you need to spend to earn the offer, how long you have to reach the spending requirements, the rewards category of the card and unique or unusual welcome offers. The cards we chose to highlight below are those that performed exceptionally well in certain categories, or filled a specific niche.

What’s changed in 2019

The Wells Fargo Propel American Express® Card and Hilton Honors™ Aspire Card joined our list this year. These cards both brought a great combination of consistent rewards and strong welcome offers — enough for us to take notice.

Types of introductory credit card offers

0% intro APR balance transfer credit card offers

A 0% intro APR balance transfer credit card can be a useful tool to consolidate and repay debt without paying interest. Once the promotional offer ends, a standard revert rate applies and any remaining debts will begin to collect interest, often at the higher cash advance rate.

Interest-free balance transfers are only available for a limited time, so you’ll be required to apply and receive approval before the offer end date to take advantage of the promotional 0% interest rate. You can usually request the balance transfer and provide the details of your existing account when you apply.

Also, there are limitations to the amount you can transfer. For example, you can make a balance transfer up to $15,000 or up to the size of your credit line, whichever is lower. Make sure you read the card’s terms to avoid any surprises.

Credit cards that offer 0% intro interest on purchases

Purchase rate offers help you save on your spending by giving you a low or 0% introductory interest rate for a limited time. At the end of the introductory period, the promotional rate reverts to a standard interest rate that applies to any balance carried from these purchases.

Purchase rate offers can be useful if you have a lot of planned expenses coming up and want a flexible and affordable way to pay them off over time. To get the most out of low or 0% intro purchase rate deals, you should aim to pay off the new charges before the end of the introductory period.

NOTE: For 0% intro APR credit cards, make sure you pay your balance on time. Otherwise, you may lose the intro APR and incur a penalty APR of up to 32%.

No annual fee credit card offers

This type of introductory offer waives the credit card’s annual fee for the first year. After the introductory period, the standard annual fee will be applied to the account. Pay attention to the standard annual fee when comparing credit cards because that’s what you’ll be paying from the second year onward.

Bonus reward point credit card offers

Many rewards credit cards include bonus points when you apply and are approved for the card. Depending on the offer, you could be able to get up to 100,000 bonus points.

Bonus points offers are usually only available when you meet the spend criteria. For example, spend $3,000 in the first three months to earn 50,000 bonus points. As long as the spend requirement fits within your budget and without outweighing your bonus points’ value, it can be an easy way to boost your points balance as soon as you apply for the card.

Credit cards that offer bonus frequent flyer miles

Similar to bonus reward point promotions, many frequent flyer credit cards offer bonus points on signup. Most cards offer specific airline miles, but many rewards cards also let you transfer points to miles to other airlines. Again, you’re usually required to spend a minimum amount within a set period to qualify for the bonus points offer.

Make sure you know what these terms and conditions are before you apply so that you can decide if the offer is worth it. It’s also important to look at how many miles you’ll usually earn for your spending, as well as any rates, fees and extra features that come with the card.

Cashback credit card offers

This type of introductory offer gives you cash back when you get a new credit card. Like bonus point promotions, you usually need to spend a specific amount of money on the card before you can enjoy a cashback offer. For example, an offer might give you $200 cash bonus if you spend $500 in the first three months you have the card.

Cash, points or miles. Can’t decide which one?

If you’re not sure which type of card could suit you best, check out our rewards guide.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
N/A
0% intro for the first 18 months (then 12.99% to 20.99% variable)
$0
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
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See issuer's website
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Can't decide on a card? Get personalized credit card offers with CardMatch™.

Compare up to 4 providers

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
0% intro for the first 18 months (then 12.99% to 20.99% variable)
$10 or 4% of the transaction, whichever is greater
670
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
3%
670
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro for the first 12 months (then 14.99% to 24.99% variable)
$10 or 4% of the transaction, whichever is greater
670
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 12 billing cycles (then 15.99% to 25.49% variable)
$5 or 3% of the transaction, whichever is greater
670
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 14.99% to 24.99% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
15.99% to 25.49% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
14.99%, 19.99% or 24.99% variable
$0
Earn $200 cash back when you spend $500 within 90 days after account opening.

Compare up to 4 providers

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.99% variable
$0
300
Get access to a higher credit line after making your first 5 monthly payments on time.
19.64% variable
$35
300
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
$48
300
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
20.74% variable
$29
300
Build your credit with all three major credit bureaus.
13.99% fixed
$39
300
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
$0
24.9% variable
580
A no-annual-fee credit card and discounts when you shop at Target.
$0
17.15% to 25.15% variable
580
Earn 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and travel and 1% on all other purchases.
$0
29.99% fixed
300
Build your credit history with low monthly payments.
$0
29.99% fixed
300
Get access to purchase items in the Fingerhut store with no overlimit fees.
$0