Best intro bonus credit cards of 2024

Earn more rewards with an intro bonus card. Get matched to credit cards from our partners based on your unique credit profile.

Put money back in your pocket

Get cash back, points or miles in the first few months after opening a new card.

Offset annual fees

An intro bonus could cover the annual fee of a credit card with better rewards.

Get more perks

You could get access to airport lounges, travel insurance and fraud protection.

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All intro bonus credit cards

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Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Bonus spending requirements

While a few intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Rewards

Cash back credit cards reward you with cash equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some cash back cards offer rewards for spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Citi Rewards+® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Rewards:

1x-2x (Points per dollar)

Annual Fee:

$0

Blue Cash Everyday® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-3% (cash back)

Annual Fee:

$0

Hilton Honors American Express Card

Intro bonus:

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-7x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Delta SkyMiles® Gold American Express Card

Intro bonus:

Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0 introductory annual fee for the first year, then $150

Delta SkyMiles® Platinum American Express Card

Intro bonus:

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$350

American Express® Gold Card

Intro bonus:

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Rewards:

1x-4x (Points per dollar)

Ongoing APR:

See Pay Over Time APR

Annual Fee:

$250

Blue Cash Preferred® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 12 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-6% (cash back)

Annual Fee:

$0 intro annual fee for the first year, then $95

Capital One Venture X Rewards Credit Card

Intro bonus:

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Rewards:

2x-10x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$395

Wells Fargo Autograph Journey℠ Card logo.

Wells Fargo Autograph Journey℠ Card

Intro bonus:

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

21.24%, 26.24%, or 29.99% Variable APR

Annual Fee:

$95

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Hilton Honors American Express Surpass® Card

Intro bonus:

Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-12x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$150

Wells Fargo Autograph℠ Card

Intro bonus:

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Delta SkyMiles® Reserve American Express Card logo.

Delta SkyMiles® Reserve American Express Card

Intro bonus:

Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

Marriott Bonvoy Brilliant® American Express® Card

Intro bonus:

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

The Platinum Card® from American Express

Intro bonus:

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

See Pay Over Time APR

Annual Fee:

$695

Citi Strata Premier℠ Card

Intro bonus:

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

$95

Capital One Venture Rewards Credit Card

Intro bonus:

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Rewards:

2x-5x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$95

Capital One VentureOne Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.25x-5x (Miles per dollar)

Annual Fee:

$0

Delta SkyMiles® Blue American Express Card

Intro bonus:

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Marriott Bonvoy Bevy™ American Express® Card logo.

Marriott Bonvoy Bevy™ American Express® Card

Intro bonus:

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$250

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

How to find the best credit card intro bonus

1

Know the minimum

To get the intro bonus, you have to spend a specific amount.

2

Look for the best rewards

See which card will earn you more on what you already buy.

3

Consider annual fees

Make sure you’re coming out ahead financially after fees..

4

Plan for the future

Choose a card that has benefits beyond the intro bonus.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

A credit card intro bonus, also called a credit card sign-up bonus, is an incentive for signing up for a credit card and spending a certain amount on it. A credit card intro bonus typically comes in the form of cash back, points or miles.

To earn an intro bonus, you'll first need to be approved for a credit card that offers sign-up bonuses to new cardholders. Then, you'll typically need to spend a certain amount of money on the card within a given amount of time. For example, an intro bonus card may require you to spend $500 within three months in order to qualify for the bonus. Once you meet the spending requirements, it can take a few weeks for your bonus to appear in your account.

There is no set limit on how many times you can receive credit card intro bonuses from different cards. That said, you can't earn a bonus more than once on a given card and some card issuers have policies that prevent a single cardholder from earning certain bonuses multiple times.

The easiest credit card intro bonuses to earn are from credit cards with low spending requirements. For instance, a intro bonus that requires you to spend $500 to within three months to earn the bonus will be substantially easier to attain than one that requires you to spend $3,000 within three months. That said, the more difficult to attain bonus could be more bigger and more valuable. Be sure to pick an intro bonus that aligns with how you expect to use the card and how much money you can afford to spend.

No, credit card intro bonuses are not taxable. You won't have to pay any taxes on your card's welcome bonus because your bonus is a credit for money you've already spent. So, for example, if you spend $3,000 on your credit card and are rewarded with a $500 bonus, that's money that you've saved on your purchases—not money you were gifted. Ultimately, it still means more money back in your pocket. But because of this distinction, it isn't taxable income.

In general, credit card intro bonuses require you to meet a spending requirement in order to earn the bonus. Once the requirement is met, you'll be awarded the bonus. Keep in mind that it can take anywhere from a week to a couple statement periods for your bonus rewards to appear on your credit card statement.

While it is possible to open multiple credit cards to get multiple intro bonuses, applying for credit too frequently has a negative impact on your credit. It's a good idea to time applying for a new intro bonus credit card with an occasion where you're planning to spring for a large purchase, such as when you're furnishing a home or buying a new appliance. That way, you can confidently earn the intro bonus without overspending. Then, wait at least six months before you apply for another card. While it may be possible to qualify for multiple intro bonus cards at once, but pursuing sign-up bonuses shouldn't come at the cost of damaging your credit.

No, it's typically not a good idea to cancel your credit card once you earn the intro bonus. There are a couple reasons why.

First, it's important that you check your intro bonus credit card's terms before you close the card. Some sign-up bonus cards have terms that require you to leave the account open for a certain period of time after earning the bonus. Violating these conditions could mean losing your rewards; some credit card issuers will take back your welcome bonus if you close the card within the first year, for example.

Second, opening and closing credit cards frequently can have a negative impact on your credit. New credit card applications show up on your credit report, and having a large number of inquiries in a short period of time can make you look unreliable to lenders. In addition to this, opening new accounts decreases the average age of your credit, whereas leaving accounts open over time increases the age of your credit. Even if you don't plan to use the credit card frequently, it's generally best for your score if you keep credit accounts open and allow them to age.

As an added benefit, leaving your credit card open without running up a balance will lower your credit utilization rate, which has a positive impact on your score and conveys to lenders that you aren't overly reliant on credit.

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