When considering which rewards credit card you apply for next, its welcome offer should be top of mind.
Many bonuses are worth hundreds of dollars (even over $1,000) in the form of cash back or travel rewards. However, these offers sometimes come with high spending requirements, requiring you to spend $4,000 to $10,000 within the first few months of owning the card.
It doesn’t have to be this way. Here, we take a closer look at high-value card bonuses that are easier to get. Every offer I list here has a minimum spend requirement of $2,000 or less.
While this is not an exhaustive list, here are 10 of the best cards you can add to your wallet and easily earn a welcome bonus.
Bank of America Custom Cash Rewards Credit Card
If you want flexibility, Bank of America® Customized Cash Rewards Credit Card may appeal to you.
welcome bonus: Earn a $200 online cash bonus when you spend $1,000 in purchases within the first 90 days of account opening. Plus, earn 6% cash back on the categories of your choice for the first year.
annual fee: $0.
why i like it: The U.S. Bank Custom Cash Rewards Credit Card lets you customize your rewards structure, giving you the flexibility to create your cash back rewards strategy.
Becoming a member of the Bank of America Preferred Rewards® program means you can earn more cash back every time you shop.
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To learn more, read our full review of Bank of America Custom Cash Rewards.
Apply here: Bank of America Custom Cash Rewards Credit Card
Capital One Taste Cash Rewards Credit Card
When it comes to earning cash back rewards in popular bonus categories, the Capital One Savor Cash Rewards Credit Card is an all-around winner.
welcome bonus: Cardholders will receive $100 in points for Capital One Travel purchases in the first year, and a $200 cash bonus for purchases of $500 or more in the first three months.
annual fee: $0.
why i like it: It’s easy to accumulate cash back rewards with Capital One Savor. It earns bonus rewards in popular categories like dining, entertainment, grocery (excluding supermarkets like Walmart® and Target®) and select streaming services.
Plus, this card is great for taking abroad because it doesn’t charge any foreign transaction fees.
For more details, read our full review of Capital One Taste.
Learn More: Capital One Savor Cash Rewards Credit Card
Chasing unlimited freedom
One of the best no annual fee cards on the market is Chasing Freedom® (See Rates and Fees).
welcome bonus: You can get $200 cash back if you spend $500 within three months after opening an account.
annual fee: $0.
why i like it: The Chase Freedom Unlimited is a great card for non-rewards spending because it earns at least 1.5% back on all purchases.
If you also have a card that earns Chase Ultimate Rewards points, you can pair it with Freedom Unlimited to convert your cash back into valuable Ultimate Rewards points. You can then use them to book travel through Chase Travel℠ and earn redemption rewards, or transfer them to airline and hotel partners for potentially more value.
To learn more, read our full review of Chase Freedom Unlimited.
Apply here: Chasing unlimited freedom
Citi Double Money Card
this Citi Double Cash® Card (See Rates & Fees) Make it easy to earn generous cash back rewards on every purchase.
welcome bonus: Earn $200 cash back when you spend $1,500 in purchases within the first six months of account opening.
annual cost: $0.
why i like it: The best perk of Citi Double Cash is its simple rewards structure. Cardholders earn 2% cash back on all purchases (1% cash back on purchase and 1% cash back on checkout).
Plus, this card is an excellent choice if you want to incorporate it into a larger Citi-oriented strategy. That’s because cash back is earned in the form of Citi Appreciation Rewards points, and if you hold certain Appreciation Rewards cards, you can unlock higher-value redemption options.
To learn more, read our full review of Citi Double Cash.
Apply here: Citi Double Money Card
Citi Strata Card
this Citi Strata℠ Card (see Rates and Fees) offers valuable bonuses and a generous yield, especially when you consider that it doesn’t charge an annual fee.
welcome bonus: Earn 30,000 bonus points when you spend $1,000 within three months of account opening. TPG’s November 2025 valuation puts this offer at $570.
annual cost: $0.
why i like it: Citi Strata earns Thank You Rewards points at high rates across multiple categories. Plus, you have the flexibility to earn rewards thanks to quarterly bonus categories of your choice.
and double cashyou can get even more value from your rewards if you pair this card with some Gratitude Rewards earning cards.
To learn more, read our full review of the Citi Strata.
Apply here: Citi Strata Card
Delta SkyMiles Gold American Express Card
Delta Air Lines passengers will appreciate Delta SkyMiles American Express Gold Card Offer in exchange for a modest annual fee.
welcome bonus: Earn 50,000 bonus miles when you spend $2,000 in purchases within your first six months as a card member. Based on our November 2025 valuation, this offer is worth $625.
annual fee: The introductory annual fee is $0 for the first year and $150 thereafter (see Rates and Fees).
why i like it: The Delta SkyMiles American Express Gold Card is the entry-level credit card in the Delta SkyMiles program. The card comes with several benefits, including free checked bags and priority boarding on Delta flights.
If you’re a leisure traveler on Delta or new to points and miles, this is a great card to consider.
To learn more, read our full review of the Delta SkyMiles Gold American Express Card.
Apply here: Delta SkyMiles Gold American Express Card
Hilton Honors American Express Card
this Hilton Honors American Express Card Generous benefits and earning rates for those who occasionally stay at Hilton.
welcome bonus: Card members can earn 100,000 bonus points after spending $2,000 in the first six months. This offer ends on January 14, 2026. TPG’s November 2025 valuation puts the offer at $500.
annual cost: $0 (see rates and fees).
why i like it: The Hilton Honors American Express Card is the entry-level card for the Hilton Honors hotel program. You’ll earn Hilton Rewards points in multiple reward categories and receive free Hilton Silver Elite status.
These are great perks for a card with no annual fee.
To learn more, read our full review of the Hilton Honors American Express Card.
Apply here: Hilton Honors American Express Card
IHG One Rewards Traveler Credit Card
Many co-branded hotel cards have high annual fees; IHG One Rewards Traveler Credit Card (See Rates and Fees) is an exception.
welcome bonus: Earn 80,000 bonus points when you spend $2,000 in purchases within the first three months of account opening. Based on TPG’s November 2025 valuation, this offer is worth $400.
annual cost: $0.
why i like it: If you want a hotel credit card with no annual fee, the IHG One Rewards Traveller Card has a lot to offer.
One of its best perks is the bonus of a free fourth night when you redeem IHG One Rewards points. With this offer, you don’t have to pay points every four nights on a reward stay of four or more nights.
To learn more, read our full review of IHG One Rewards Traveler.
Apply here: IHG One Rewards Traveler Credit Card
federated gateway card
For occasional United Airlines flyers United Gateway℠ Card (See Rates and Fees) Worth considering.
welcome bonus: Earn 30,000 bonus miles when you spend $1,000 in the first three months after opening an account. Based on TPG’s November 2025 valuation, you could get $420 worth of benefits from this offer.
annual fee: $0.
why i like it: United’s entry-level co-branded credit card offers an easy way to earn United MileagePlus miles across multiple reward categories. Additionally, the card offers discounts on United in-flight purchases and premium beverage purchases in United lounges.
This is a great option for beginners who want to earn United miles without paying an annual fee.
To learn more, read our full review of United Gateway.
Apply here: federated gateway card
Wells Fargo Active Cash Card
If you bank at Wells Fargo, Wells Fargo Active Cash® Card (See Rates & Fees) Provides simple cash bonus income for you to enjoy.
welcome bonus: You can get a cash bonus of US$200 when you spend US$500 within three months after opening an account.
annual cost: $0.
why i like it: You can earn unlimited 2% cash rewards on purchases, making it a great option for those looking for a simple income structure.
The card also offers cell phone protection and zero-liability protection, which are significant benefits of a no-annual-fee card.
To learn more, read our full review of Wells Fargo Active Cash.
Apply here: Wells Fargo Active Cash Card
bottom line
A welcome bonus is a great way to get your account balance off to a great start. Even the most accessible bonuses are usually worth at least a few hundred dollars. However, please note that each issuer has its own set of rules for when you can earn bonuses.
Although these cards have lower minimum spend requirements, spend wisely to ensure you make the most of the welcome offer. A valuable introductory bonus can give your rewards strategy a huge boost.
Related: Got a new credit card? Here are 4 tips to help you earn your welcome bonus
For rates and fees on the Delta SkyMiles American Express Gold Card, click here.
For Hilton Honors American Express Card rates and fees, click here.
