[DISCLOSURE: Cards from our partners are mentioned below.]
It’s no secret that credit card companies try to lure potential customers with sweet sign-up bonuses. After all, that’s part of a new credit card’s appeal, right? With so many types of credit cards available though, it can be difficult to choose. It can also be tough to determine whether or not you want to sign up for a credit card with an annual fee. Luckily, there are credit cards without annual fees that still offer a sweet sign-up bonus. Below, we’ve broken down annual fee credit cards and no annual fee credit cards that offer awesome sign-up bonuses.
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When it comes to premium credit cards, the Chase Sapphire Preferred sign-up bonus can’t be beat – except perhaps by the Chase Sapphire Reserve, which has a much higher annual fee. New Chase Sapphire Preferred cardholders can earn 50,000 bonus points when they spend $4,000 on purchases within the first three months from the account opening. These points can be redeemed for travel and If you redeem these points through Chase Ultimate Rewards, Chase’s rewards platform, then points are worth 25% more. This means your sign-up points are worth $625 if you redeem through this platform! There is a $95 annual fee for this card which is waived the first year.
With the Capital One Venture, you’ll rack up lots of miles for traveling. New cardholders can enjoy a one-time bonus of 50,000 miles once they spend $3,000 on purchases within the first three months of the accounts opening. That’s equal to $500 in travel. Cardholders can earn an unlimited number of miles and they don’t expire as long as the account is open. The annual fee for this card is $95 but it is waived the first year.
As far as sign up bonuses for credit cards with no annual fee, the Capital One SavorOne Cash Rewards credit card is petty solid with a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Cardholders earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. And there are no rotating categories or sign-ups needed to earn cash rewards. Cash back won’t expire for the life of the account. And there’s no limit to how much you can earn
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If you’re looking for a great card with a great sign-up bonus, look no further. The Wells Fargo Propel American Express Card offers 30,000 bonus points when you spend $3,000 in purchases in the first three months. This has a $300 redemption value. It doesn’t get much better than that for a credit card with no annual fee. Plus, you have more flexibility on what you can redeem your points for – instead of just being able to redeem them for travel, you can redeem them for cash back and gift cards instead.
Remember that when applying for a credit card, it’s important to consider what types of rewards will be useful. Not only that, but when looking at sign-up bonuses, you’ll want to decide whether paying an annual fee will be worthwhile. If you don’t earn enough rewards to cover a credit card with an annual fee, or if you tend to carry a balance month to month, it may be better to go with a credit card that has no annual fee instead. Lastly, credit cards that come with great rewards tend to require good to excellent credit, so it’s always a good idea to check your credit score before applying. Credit.com offers two free credit scores that are updated every 14 days. Check yours today.
At publishing time, the Chase Sapphire Preferred, Capital One Venture, Capital One SavorOne Cash Rewards , and Wells Fargo Propel American Express cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.
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