5 Credit Cards That Will Pay You Hundreds Just For Signing Up (2019)

posted on 06-10-2019

by Christian Hudspeth

What's even better than earning rewards for spending on your credit cards? Getting paid hundreds of dollars worth in sign-up bonuses in three months or sooner -- just for trying out a new card.

Whether you're looking for plastics that offer a free night's stay at five-star hotel, a 3% cash-back rewards card paying hundreds in bonus cash, or a travel card that could pay $750 in sign-up bonuses toward your next vacation, we've found a variety of top sign-up bonus credit cards almost sure to fit your needs.

Assuming you have good or excellent credit (with a FICO score above 670), here is our list of the top credit cards for sign-up bonuses for 2019:

Chase Sapphire Preferred Card

Need a vacation, and fast? Chase's Sapphire Preferred Card could help you pay for it. The card offers a generous 60,000 bonus points sign-up offer (the equivalent of $750 toward travel if you redeem through Chase Ultimate Rewards) for spending $4,000 in the first three months.

Not only that, but the Sapphire Preferred card doesn't charge foreign transaction fees and pays 2% cash back on travel and restaurant spending.

Highlights

  • Get 60,000 bonus points (equal to $600, or $750 at the Chase Ultimate Rewards store) if you spend $4,000 in the first three months of account opening.
  • Earn 2 reward points per dollar on travel and restaurant spending, and 1 point per dollar elsewhere.
  • Get 25% more value when you redeem for airfare, hotels, car rentals, or cruises through Chase Ultimate Rewards (example: 60,000 points gets $750 for travel instead of just $600)
  • No foreign transaction fees or blackout dates on flights.

Who This Card is Best for

Frequent travelers who don't carry a credit card balance and want some extra vacation spending money fast.

Sign-Up Bonus Offer Regular APR Annual Fee Extra Bonuses
$750 in travel purchases 18.24% to 25.24%
Variable
$95 No foreign transaction fees,
1% to 2% cash back
Source: CreditCards.com

 

Bank of America Cash Rewards Credit Card

Great for everyday spending, the Bank of America Cash Rewards Credit Card pays an industry-beating 3% cash back on gas on top of its $200 sign-up bonus (for spending $1,000 on purchases in the first 90 days), and with no annual fee to worry about.

As an added cash back perk, you'll also earn 2% at grocery stores and wholesale clubs, and 1% everywhere else with this card.

Highlights

  • $200 online cash rewards bonus if you spend $1,000-plus 90 days after account opening.
  • 3% cash back on gas and 2% back on groceries and wholesale club spending (for the first $2,500 in spending per quarter on gas, groceries, and wholesale clubs). 1% cash back elsewhere.
  • No annual fee

Who This Card is Best for

Everyday spenders and car commuters looking for an easy $200 sign-up bonus and no annual fees.

Sign-Up Bonus Offer Regular APR Annual Fee Extra Bonuses
$200 online cash rewards 16.24% to 26.24%
Variable
$0 2% to 3% cash back,
0% APR for 12 months on balance transfers
Source: CreditCards.com

 

IHG Rewards Club Premier Credit Card

Ever had the chance to stay a night in a five-star hotel -- for free? Acclaimed as one of the best hotel cards on the market by CreditCards.com, the IHG Rewards Club Premier Credit Card gives you that opportunity every year just for being a cardholder.

If that isn't enticing enough, the card offers 80,000 bonus points for spending $2,000 on purchases within the first three months. That's enough to cover up to eight more IHG hotel stays, or pay for $200 worth of merchandise, airfare, and other inviting travel rewards.

Highlights

  • Get an Anniversary Free Night each year of card membership, redeemable at 5,000 IHG hotels worldwide (even at five-star IHG resorts) including InterContinental Hotels & Resorts, Crowne Plaza Hotels & Resorts and Holiday Inn.
  • Earn 80,000 bonus points (~$200 cash equivalent or 8 IHG hotel stays) if you spend $2,000 in the first three months.
  • Earn 25 points per $1 for IHG hotel stays, and 2 points per $1 spent on gas, grocery, and restaurants. Earn 1 point per $1 spent on everything else.

Who This Card is Best for

Five-star hotel dreamers, international hotel travelers, and everyday spenders.

Sign-Up Bonus Offer Regular APR Annual Fee Extra Bonuses
Free annual hotel stay and 80,000 points (up to 8 IHG hotel stays) 18.24% to 25.24%
Variable
$89 25 points per $1 spent at IHG resorts,
no foreign transaction fees
Source: CreditCards.com

 

Wells Fargo Propel American Express Card

Always on the go with little time to cook for yourself? Watch your rewards points balance fly as fast as you do with the Wells Fargo Propel AMEX Card.

The card offers 30,000 bonus points (that's a $300 cash redemption value) upon spending $3,000 in the first three months, on top of rewards of 3 points per dollar spent on eating out, ordering in, gas stations, rideshares, transit, and travel expenses (flights, hotels, homestays and car rentals).

Highlights

  • Earn 30,000 bonus points ($300 cash redemption value) if you spend $3,000 in the first three months.
  • Get 3 points per $1 spent on eating out and ordering in
  • 3:1 points for gas stations, rideshares and transit
  • 3:1 points for travel (flights, hotels, homestays and car rentals)
  • 1:1 points for everything else.

Who This Card is Best for

Travelers, restuarant and ordering in lovers, commuters and ridesharers.

Sign-Up Bonus Offer Regular APR Annual Fee Extra Bonuses
$300 cash equivalent
(spend $3,000 in first three months)
16.24% to 27.24%
Variable
$0 3% rewards
Source: CreditCards.com

 

Citi Premier Card

When it comes cash-equivalent sign-up bonuses, the Citi ThankYou Premier Card may be king. The card offers 50,000 ThankYou bonus points for spending $4,000 in the first three months.

That's enough points to buy a whopping $500 in gift cards or an even more generous $625 for airfare when the points are redeemed at thankyou.com. As an extra "thank you," Citi's card pays 3% back on travel and gas, and 2% back on dining out and entertainment.

Highlights

  • Get 50,000 ThankYou bonus points (equal to $500 in gift cards, merchandise, travel, cash and more) for spending $4,000 in purchases within the first three months.
  • Earn 3 points per $1 spent on travel/gas, 2:1 points on restaurants and entertainment, and 1:1 points everywhere else. Get 25% higher redemption value through ThankYou Travel Center.
  • No foreign transaction fees on purchases

Who This Card is Best for

Commuters and travelers that could put $500 in gift cards to use along with extra cash back rewards for their gas and travel spending.

Sign-Up Bonus Offer Regular APR Annual Fee Extra Bonuses
50,000 ThankYou points (equal to $500 in gift cards or $625 in travel on thankyou.com) 16.74% to 25.74%
Variable
$95 (waived first year) 1% to 3% back rewards
Source: CreditCards.com

Whether you're looking forward to your dream vacation or just a few extra hundred dollars to spend, take some time to choose a credit card that best matches your spending patterns if you want to wring the most rewards out of your plastics each year.

Readers like you also enjoyed:

by Christian Hudspeth What's even better than earning rewards for spending on your credit cards? Getting paid hundreds of dollars worth in sign-up bonuses in three months or sooner -- just for tr...
by Christian Hudspeth Tired of dragging credit card debt around with you? Taking 15 minutes to transfer your debt to a credit card with generous balance transfer perks could save you thousands in...
by Christian Hudspeth If you're going to spend money anyway, then why not get paid for it?Whether you're looking for credit cards with up to 6% cash back, double flight miles, or even a free hote...
by Christian HudspethIn times where interest rates are on the rise, you may start hearing financial advisors and bankers sing the praises of an income strategy called "CD laddering" (short for ce...
by Susan Campbell Those of us familiar with selling property know real estate agents don't come cheap. With real estate agent commission and fees amounting to as much as 6% of the sel...
Beverly Harzog is a nationally recognized credit card expert, author, and consumer advocate. She blogs about credit cards at BeverlyHarzog.com. Being in credit card debt is the pits. I've bee...
by Christian Hudspeth If you haven't already felt the pressure to refinance your mortgage, you're probably really feeling it now. Mortgage rates are still hovering near historic lows. But ...
by Christian Hudspeth If you or someone you know is thinking about getting a home mortgage, you may want to know about the thousands of dollars in hidden charges that some lenders are quietly...
by Christian Hudspeth Money market accounts (MMAs) and savings accounts make great places to set aside your emergency fund money and earn some interest income at the same time.Simply put, these s...
by Christian Hudspeth It's true that auto loans and home loans offer attractively-low annual percentage rates (APRs), while credit cards offer borrowing power without the risk of ever seeing the ...
by Christian HudspethWant to keep your emergency fund safe while earning interest yields that are three to five times higher than a typical savings account? Putting your money into an FDIC-insure...
by Christian Hudspeth Question: Hi there. I need your advice. I'm only 19 and I really need to start investing. Where can I start? -- Tirelo M., Gaborone, Botswana Answer: You've defini...