When considering which rewards credit card deserves your next application, its welcome offer should be a top factor.
Many bonuses are worth hundreds of dollars (or even more than $1,000) in the form of cash back or travel rewards. However, these offers sometimes carry steep spending requirements, requiring you to spend anywhere from $4,000 to $10,000 within the first few months of having the card.
It doesn’t have to be that way. Here, we dive into high-value card bonuses that are easier to earn. Each of the offers I’ve listed here comes with a minimum spending requirement of $2,000 or less.
While this isn’t an exhaustive list, these are 10 of the best cards you can add to your wallet with an easy-to-earn welcome bonus.
Bank of America Customized Cash Rewards credit card
If flexibility is what you want, the Bank of America® Customized Cash Rewards credit card may appeal to you.
Welcome bonus: Earn a $200 online cash rewards bonus after spending $1,000 on purchases in the first 90 days of account opening. Plus, earn 6% cash back in the category of your choice for the first year.
Annual fee: $0.
Why I like it: The Bank of America Customized Cash Rewards credit card lets you customize your rewards structure, allowing flexibility in your cash-back rewards strategy.
Being a member of the Bank of America Preferred Rewards® program means you’ll earn even more cash back on every purchase.
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To learn more, read our full review of the Bank of America Customized Cash Rewards.
Apply here: Bank of America Customized Cash Rewards credit card
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is an all-around winner when it comes to earning cash-back rewards in popular bonus categories.
Welcome bonus: Receive a $100 credit to use on Capital One Travel purchases in the first cardholder year, plus earn a $200 cash bonus after spending $500 on purchases in the first three months.
Annual fee: $0.
Why I like it: It’s easy to stack up cash-back rewards with the Capital One Savor. It earns bonus rewards across popular categories like dining, entertainment, grocery stores (excluding superstores like Walmart® and Target®) and select streaming services.
Plus, the card is a solid one to bring abroad, as it charges no foreign transaction fees.
For more details, read our full review of the Capital One Savor.
Learn more: Capital One Savor Cash Rewards Credit Card
Chase Freedom Unlimited
One of the best no-annual-fee cards on the market is the Chase Freedom Unlimited® (see rates and fees).
Welcome bonus: Earn $200 cash back after spending $500 on purchases in the first three months from account opening.
Annual fee: $0.
Why I like it: The Chase Freedom Unlimited is a great card for nonbonus spending since 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 them with the Freedom Unlimited to convert your cash back into valuable Ultimate Rewards points. You can then use them to book travel through Chase Travel℠ with a redemption bonus or transfer them to airline and hotel partners for potentially even more value.
To learn more, read our full review of the Chase Freedom Unlimited.
Apply here: Chase Freedom Unlimited
Citi Double Cash Card
The Citi Double Cash® Card (see rates and fees) makes it easy to earn solid cash-back rewards on every purchase.
Welcome bonus: Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening.
Annual fee: $0.
Why I like it: The best perk of the Citi Double Cash is its simple rewards structure. Cardholders earn 2% cash back on all purchases (1% when you make a purchase and another 1% when you pay it off).
Plus, the card is a fantastic choice if you want to fit it into a larger Citi-oriented strategy. That’s because cash back is earned in the form of Citi ThankYou Rewards points, and you can unlock higher-value redemption options if you hold certain ThankYou Rewards cards.
To learn more, read our full review of the Citi Double Cash.
Apply here: Citi Double Cash Card
Citi Strata Card
The Citi Strata℠ Card (see rates and fees) provides a valuable bonus and great earning rates, especially when you consider it charges no annual fee.
Welcome bonus: Earn 30,000 bonus points after spending $1,000 on purchases in the first three months of account opening. TPG’s November 2025 valuations place this offer at a value of $570.
Annual fee: $0.
Why I like it: The Citi Strata earns ThankYou Rewards points at a high rate across multiple categories. Plus, you can make your rewards flexible thanks to its bonus category on quarterly self-select categories.
As with the Double Cash, you can receive more value from your rewards if you pair this card with certain ThankYou 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 flyers will appreciate the level of benefits that the Delta SkyMiles® Gold American Express Card offers in exchange for its modest annual fee.
Welcome bonus: Earn 50,000 bonus miles after spending $2,000 on purchases in the first six months of card membership. Per our November 2025 valuations, this offer is worth $625.
Annual fee: $0 introductory annual fee for the first year, then $150 (see rates and fees).
Why I like it: The Delta SkyMiles Gold Amex is an entry-level credit card in the Delta SkyMiles program. The card comes with multiple benefits, including a first checked bag free and priority boarding on Delta flights.
If you are a casual Delta flyer or a beginner who is just getting into points and miles, this is a great card to consider.
To learn more, read our full review of the Delta SkyMiles Gold Amex.
Apply here: Delta SkyMiles Gold American Express Card
Hilton Honors American Express Card
The Hilton Honors American Express Card comes with solid perks and earning rates for those who occasionally stay with Hilton.
Welcome bonus: Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of card membership. This offer ends Jan. 14, 2026. TPG’s November 2025 valuations deem this offer to be worth $500.
Annual fee: $0 (see rates and fees).
Why I like it: The Hilton Honors Amex is an entry-level card in the Hilton Honors hotel program. You’ll earn bonus Hilton points in multiple bonus categories and receive complimentary Hilton Silver elite status.
These are decent perks for a card with no annual fee.
To learn more, read our full review of the Hilton Honors Amex.
Apply here: Hilton Honors American Express Card
IHG One Rewards Traveler Credit Card
Many cobranded hotel cards come with exorbitant annual fees, but the IHG One Rewards Traveler Credit Card (see rates and fees) is an exception.
Welcome bonus: Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. This offer is worth $400, per TPG’s November 2025 valuations.
Annual fee: $0.
Why I like it: If you want a no-annual-fee hotel credit card, there is a lot to like about the IHG One Rewards Traveler card.
One of its best perks is the fourth-award-night-free benefit when you redeem IHG One Rewards points. With this benefit, you’ll pay no points for every fourth night on an award stay of four nights or longer.
To learn more, read our full review of the IHG One Rewards Traveler.
Apply here: IHG One Rewards Traveler Credit Card
United Gateway Card
For those who fly United Airlines occasionally, the United Gateway℠ Card (see rates and fees) is worth considering.
Welcome bonus: Earn 30,000 bonus miles after spending $1,000 on purchases in the first three months from account opening. You can receive $420 in value from this offer, according to TPG’s November 2025 valuations.
Annual fee: $0.
Why I like it: United’s entry-level cobranded credit card offers a simple way to earn United MileagePlus miles across several bonus categories. Plus, the card provides a discount on United inflight purchases and United Club premium drink purchases.
It’s a solid option for beginners looking to earn United miles without paying an annual fee.
To learn more, read our full review of the United Gateway.
Apply here: United Gateway Card
Wells Fargo Active Cash Card
If you bank with Wells Fargo, the Wells Fargo Active Cash® Card (see rates and fees) provides simple cash rewards earnings for you to enjoy.
Welcome bonus: Earn a $200 cash rewards bonus after spending $500 on purchases in the first three months from account opening.
Annual fee: $0.
Why I like it: You can earn unlimited 2% cash rewards on purchases, making it a great choice for those seeking a straightforward earning structure.
The card also provides cellular telephone protection and zero liability protection, which are notable perks for a no-annual-fee card.
To learn more, read our full review of the Wells Fargo Active Cash.
Apply here: Wells Fargo Active Cash Card
Bottom line
Welcome bonuses are a great way to get your account balances off to a good start. Even the easiest bonuses to hit are typically worth at least a few hundred dollars. Still, note that each issuer has its own set of rules regarding when you’re able to earn a bonus.
Even though these cards have minimum spending requirements on the lower side, spend mindfully to ensure you unlock the full value of the welcome offer. A valuable introductory bonus can give your rewards strategy a supercharged boost.
Related: Got a new credit card? Here are 4 tips to help you earn your welcome bonus
For rates and fees of the Delta SkyMiles Gold Amex card, click here.
For rates and fees of the Hilton Honors Amex card, click here.
