Tis the season for shopping, and if you need to spend, you might as well pack in some cash-back rewards and points in the process! Looking for a new credit card that provides a great loyalty program with a good “welcoming” bonus? Below are some U.S. credit cards that offer excellent deals this month.
Chase Freedom Flex
How about $200 cash back as a sign-up bonus? When you open up a Chase Freedom Flex credit card account and spend $500 within the first 90 days, you get just that, a sign-up bonus of $200.00. Plus, an intro APR on purchases of 0% for 15 months. There is no annual fee attached to Freedom Flex, and you earn 5% cash back on groceries (excluding Walmart or Target) on up to $12,000 charged within the first year of having the credit card. You also get 5% cash back on travel that is booked via Chase Ultimate Rewards, 3% cash back on pharmacy or dining, and 1% cash back on all other charges.
It’s important to note, in addition to the above, customers also receive 5% cash back on total charges in bonus categories, every quarter. With that said, the cap on earnings on that is $1,500, and after you hit this, you earn only 1% cash back.
For more information, visit the Chase Freedom Flex.
Citi Rewards Card
Citi Rewards offers a credit card offering points to redeem on thankyou.com— a website that allows clients to use their rewards to shop, donate, buy gift cards, or place as a credit on their statement. The sign-up bonus gives clients 15,000 points after $1,000 is spent within the first 90 days after the Citi Rewards Card is activated. This may be redeemed in $150 worth of gift cards or “spent” in other ways.
Citi Rewards is the only credit card that rounds rewards to the closest 10 points. Plus, there are no caps and no annual fee! Another “welcome” to the card includes 0% APR for purchases and balance transfers for the first 15 months. Citi Rewards provides 2 “Thank You” points for a dollar spent on gas and groceries in the first year, with a cap of $6,000 (after that, it is one point for every dollar). Clients can also earn a point for every dollar on all other spending.
To apply or learn more about this credit card, visit Citi Rewards Card.
Capital One SavorOne Cash Rewards Credit Card
The rewards are plentiful when it comes to this credit card, especially if you love heading out for a night on the town, regularly! It offers a good welcome bonus of $200 cash back after spending $500 within the first three months. There is also a 0% APR intro offer for the 15 months, and no annual fee.
Customers of this card earn 3% in cash-back rewards for dining and entertainment, 2% on groceries, and 1% on all other charges.
For more details, visit the Capital One.
Bank of America Travel Rewards Credit Card
For those who love to travel and are looking for a credit card to put towards their next vacation, Bank of America offers a nice sign-up bonus with their Travel Rewards option. Earn 25,000 points, which is worth $250, when a minimum of $1,000 is charged during the first 90 days of opening this credit card. The $250 is added as a statement credit that can be placed towards any travel purchase – from vacation rentals to flights, accommodations, car rentals, baggage fees, as well as tourist attractions and campground expenses. Plus, there are no restrictions or “blackout dates” when redeeming these travel credits.
The card comes with no annual fee, and an unlimited 1.5 points are earned for every dollar spent on the card. Lastly, as it is a travel rewards card, there are zero foreign transaction fees and points never expire!
For more information, visit Bank of America.
Amazon Prime Rewards Visa Signature Card
Amazon Prime delivers a unique customer loyalty card with a major sign-up bonus that will have you rushing to your smartphone to sign up. Apply for this Visa and receive a $100 Amazon.com gift card, after approval.
In terms of rewards, it’s all about Amazon, with 5% cash back when you purchase items from Whole Foods Market or Amazon.com, 2% cash back for drugs, gas, and dining, and 1% on everything else.
There is no annual fee; however, a Prime Membership is needed for the credit card.
To learn more about this credit card, or apply for it, visit Amazon.com.
American Express’ Blue Cash Everyday Card
Membership does have its privileges for American Express cardholders, and the company also provides an attractive bonus offer this month. Clients earn 20% back on all Amazon.com purchases in the first six months of activation, and an added $100 back after spending $1,000 within that time frame, as well. Clients are also given an intro APR at 0% for 15 months.
Everyday rewards for this Amex card include 3% cash back on groceries (with a cap of $6,000 in earnings, then the amount goes to 1%), plus 2% cash back on select department stores across the U.S. and gas, and 1% cash back on all other spending. There is no annual fee attached.
For more details, visit the American Express.
Discover it Cash Back
How does “unlimited cash-back match” sound? Discover offers a huge welcome bonus by promising to automatically match the money clients earn back at the end of their first year with the credit card. No caps, no minimum spending. If they earn a total of $100 in cash-back rewards their first 12 months with Discover it Cash Back, they could turn that into $200.
Clients earn 5% cash back every quarter on groceries, Amazon.com items, dining, gas, and when you use PayPal with the card and 1% cash back on any other purchases. Rewards can be redeemed at any time, with any amount, and they don’t expire. In fact, rewards may be used while checking out at Amazon.com. There is no annual fee.
Learn more about Discover it Cash Back by visiting their website.
U.S. Bank Altitude Go Visa Signature Card
Clients who choose to go with this Visa card earn 25,000 in points when $1,000 is charged in eligible purchases within the first three months after the card is activated. Points can be redeemed for gift cards, travel, and merchandise at the U.S. Bank’s reward center but they can also be taken as cash back on a credit card statement or can be deposited into a U.S. bank account once 25,000 points are earned (which equals out to a value of $250). The points never expire.
In addition to the above bonus offer, cardholders enjoy an introductory APR of 0% on balance transfers and purchases, within their first 12 months.
Cardholders earn four points for every dollar spent on food delivery, dining, and takeout, and 2 points for every dollar spent on streaming services, gas, and groceries. One point is earned for every dollar on anything else charged on the card.
Speaking of streaming, the U.S. Bank Altitude Go Visa Signature Card also offers a $15 credit on purchases of some streaming services (i.e., iTunes, Disney+, etc.), and there is no annual fee.
Learn more about this credit card by visiting the U.S. Bank.
Delta SkyMiles Gold American Express Card
For frequent fliers with Delta, this card may be worth looking into. With their sign-up bonus, new cardholders collect 35,000 Miles with the Delta SkyMiles Gold American Express after spending $1,000 within the first three months of account activation. They also enjoy the annual fee, usually $99, being waived the first year.
After that, collect 2 points for every one dollar spent on Delta purchases, as well as groceries, and dining worldwide (this includes delivery and takeout). The first bag-check is free, and one mile is earned for all other charges on the card.
Visit Delta’s website to learn more.
Marriott Bonvoy Boundless American Express Credit Card
For those who frequent Marriott hotels regularly, this rewards card offers a very good welcome bonus. Collect 75,000 “Bonvoy” points upon spending a minimum of $3,000 within 90 days of activation. Collecting these rewards equals out to Free-Night Stays at the hotel. As an “anniversary gift”, one free-night certificate is awarded to cardholders annually (this equals 35,000 points in value).
Regular reward rules for the credit card allows users to earn six Bonvoy points for every dollar spent at any of the 7,000+ Marriott’s that participate. They also earn 2 points for every dollar on all other purchases. There are no foreign transaction fees on the credit card.
Interested in applying for this credit card or learning more? Visit American Express for more details.