Quite a few credit cards offer solid welcome bonuses while keeping the spending requirement very low—just $500 in the first three months. Some cards even give you the bonus after a single purchase, or with no spending at all. In this article, we’ll round up the credit cards with the easiest welcome offers to earn.
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- 1 Chase Freedom Unlimited (25,000)
- 2 Citi AT&T Points Plus ($250)
- 3 Barclays Priceline VIP Rewards ($200)
- 4 Chase Freedom Flex (20,000)
- 5 Capital One Savor ($250)
- 6 Capital One Quick Silver ($200)
- 7 Citi AA Miles Up (15,000)
- 8 Wells Fargo Active Cash-$200
- 9 Chase Amazon$150
- 10 Discover it Miles-$100
- 11 Discover it$100
- 12 About Welcome Bonuses
Chase Freedom Unlimited (25,000)
- Spend just $500 in the first three months and earn 25,000 UR points. You can hold them for airline miles or hotel points transfers to get more value. If you need cash, you can also redeem them for $300.
Chase Freedom Unlimited Credit Card
Extra 1.5x on all purchases in the first year; no annual fee!
- Welcome bonus: 25,000 Ultimate Rewards (UR) (spend $500 in 3 months)
- Rewards: 5x on travel booked through Chase; 3x at restaurants and drugstores; 1.5x on all other purchases, with no limit
- Redemption: Redeem for cash back at 100 UR = $1; if you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points, or redeemed toward travel at 1:1.25; value 1.6 cent/points
- Annual fee: $0
- Apply now>>
Citi AT&T Points Plus ($250)
- Spend $500 and get $250 directly—an excellent return for such a low requirement.
- If you are an AT&T customer, this card can also be worth keeping long term for discounts on phone and internet bills.
Citi AT&T Points Plus Credit Card
A solid everyday card with extra rewards for AT&T customers
- Welcome bonus: $200 (spend $1,000 in 3 months)
- Rewards: 3x on gas, 2x at supermarkets and on eligible delivery services, 1x on everything else;
- Redemption: Points can be redeemed for cash back; if you also have a premium card, points can be transferred to airline miles
- Annual fee: $0
- Apply now>>
Barclays Priceline VIP Rewards ($200)
- You get $200 after just one purchase, and the additional 5,000 points only require $500 in spending.
- It also comes with some Priceline perks, so it may be worth keeping if you can use them.
Barclays Priceline VIP Credit Card
Complimentary Priceline Gold membership; no annual fee!
- Welcome bonus: $200 (one purchase of any amount) + 5,000 points (spend $500 within 90 days of account opening)
- Rewards: 5x on Priceline; 2x at restaurants and on takeout; 1x on everything else
- Redemption: Redeem 1:1 for Priceline purchases or Statement Credit
- Annual fee: $0
- Apply now>>
Chase Freedom Flex (20,000)
- Spend just $500 in the first three months and earn 20,000 UR points (worth $320). You can hold them for airline miles or hotel points transfers to get more value. If you need cash, you can also redeem them for $200.
Chase Freedom Flex Credit Card
Quarterly 5x rewards, great for everyday spending; no annual fee!
- Welcome bonus: 20,000 Ultimate Rewards (UR) (Spend $500 in 3 months)
- Rewards: 5x through the Chase Travel Portal; 3x at restaurants and drugstores; an additional 5x in rotating quarterly categories each quarter (such as groceries, dining, Amazon, gas, PayPal, etc.)
- Redemption: Redeem for cash back at 100 UR = $1; if you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points, or redeemed toward travel at 1:1.25; estimated value 1.6 cent/point
- Annual fee: $0
- Apply now>>
Capital One Savor ($250)
- Spend just $500 in the first three months and earn $250 cash back.
A very well-rounded no-annual-fee credit card!
- Welcome bonus: $250 cash back (spend $500 in the first three months)
- Rewards: 3% on groceries, dining, entertainment, and streaming; 1% on everything else
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
Capital One Quick Silver ($200)
- Spend just $500 in the first three months and earn $200 cash back.
Capital One Quicksilver Credit Card
1.5% cash back on all purchases; no annual fee!
- Welcome bonus: $200 cash back (spend $500 in the first 3 months)
- Rewards: 1.5% cash back on all purchases
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
Citi AA Miles Up (15,000)
- Spend just $500 in the first three months and earn 15,000 AA miles (worth $240) + $50.
- However, during the pandemic, AA miles were basically very hard to use.
Citi AA MileUp American Airlines Credit Card
No annual fee!
- Welcome bonus: 15,000 AA miles (spend $500 in 3 months)
- Rewards: 2X on tickets booked through the AA website; 2X at grocery stores; 1X on all other purchases
- Redemption: Best value for redeeming flights between China and the U.S. or between the U.S. and Europe; business class redemptions can offer solid value.
- Annual fee: $0
- Apply now>>
Wells Fargo Active Cash-$200
- Spend just $500 in the first three months and earn $200.
Wells Fargo Active Cash Credit Card
2% cash back on all purchases; no annual fee!
- Welcome bonus: $200 cash back when you spend $500 in the first 3 months
- Rewards: 2% cash back on all purchases
- Redemption: Redeem for cash back directly
- Annual fee: $0
- Apply now>>
Chase Amazon$150
- Just make one purchase and you can get a $150 Amazon gift card.
- You need to be a Prime member to get this higher bonus.
Chase Amazon Rewards Credit Card
5% cash back at Amazon and Whole Foods; no annual fee!
- Welcome bonus: Prime sign-up bonus: $150 gift card (issued upon card opening)
- Rewards: 5% at Amazon, Whole Foods, and Chase Travel; 2% at restaurants, public transit, and rideshare, 2% on gas; 1% on all other purchases
- Redemption: Cash back
- Annual fee: $0
- Apply now>>
Discover it Miles-$100
- Just make one purchase and you can get $100 cash back!
- There is also a first-year cash back match.
No annual fee! Low spending requirement
- Welcome bonus: $100 cash back (one purchase)
- Rewards: 3% cash back on all purchases in the first year; 1.5% on all purchases thereafter
- Redemption: Redeem directly; cash back can be used to buy a variety of gift cards at a discount, up to 5% off
- Annual fee: $0
- Apply now>>
Discover it$100
- Just make one purchase and you can get $100 cash back!
- There is also a first-year cash back match.
5% rotating categories each quarter; no annual fee! Great as a first student card
- Welcome bonus: $100 cash back (one purchase within three months)
- Rewards: Earn 5% cash back in different categories each quarter, doubled to 10% in the first year
- Redemption: Redeem directly; gift cards may be available at a discount, up to 5% off
- Annual fee: $0
- Apply now>>
About Welcome Bonuses
If you only care about welcome bonuses and have enough spending capacity, you can also check out our rankings below. The bonuses on those cards are much higher, but the spending requirements are higher too.