{"id":206638,"date":"2025-11-21T16:00:46","date_gmt":"2025-11-21T16:00:46","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/11\/21\/the-top-10-easiest-credit-card-welcome-offers-to-earn-the-points-guy\/"},"modified":"2025-11-21T16:00:46","modified_gmt":"2025-11-21T16:00:46","slug":"the-top-10-easiest-credit-card-welcome-offers-to-earn-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/11\/21\/the-top-10-easiest-credit-card-welcome-offers-to-earn-the-points-guy\/","title":{"rendered":"The top 10 easiest credit card welcome offers to earn – The Points Guy"},"content":{"rendered":"


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When considering which rewards credit card<\/a> deserves your next application, its welcome offer should be a top factor.<\/p>\n

Many bonuses are worth hundreds of dollars (or even more than $1,000<\/a>) in the form of cash back<\/a> or travel rewards<\/a>. 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.<\/p>\n

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.<\/p>\n

While this isn’t an exhaustive list, these are 10 of the best cards<\/a> you can add to your wallet with an easy-to-earn welcome bonus.<\/p>\n

Bank of America Customized Cash Rewards credit card<\/h2>\n

If flexibility is what you want, the Bank of America\u00ae Customized Cash Rewards credit card<\/a><\/span> may appeal to you.<\/p>\n

Welcome bonus<\/strong>: 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.<\/p>\n

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<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: The Bank of America Customized Cash Rewards credit card lets you customize your rewards structure, allowing flexibility in your cash-back rewards strategy.<\/p>\n

Being a member of the Bank of America Preferred Rewards\u00ae program<\/a> means you’ll earn even more cash back on every purchase<\/a>.<\/p>\n

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Reward your inbox with the TPG Daily newsletter<\/p>\n

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n

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By signing up, you will receive newsletters and promotional content and agree to our Terms of Use<\/a> and acknowledge the data practices in our Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n

To learn more, read our full review of the Bank of America Customized Cash Rewards<\/a>.<\/p>\n

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Apply here: Bank of America Customized Cash Rewards credit card<\/a><\/span><\/strong><\/p>\n

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Capital One Savor Cash Rewards Credit Card<\/h2>\n

The Capital One Savor Cash Rewards Credit Card<\/a> is an all-around winner when it comes to earning cash-back rewards in popular bonus categories.<\/p>\n

Welcome bonus<\/strong>: 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.<\/p>\n

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\"Capital<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: 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\u00ae and Target\u00ae) and select streaming services.<\/p>\n

Plus, the card is a solid one to bring abroad, as it charges no foreign transaction fees<\/a>.<\/p>\n

For more details, read our full review of the Capital One Savor<\/a>.<\/p>\n

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Learn more: Capital One Savor Cash Rewards Credit Card<\/a><\/strong><\/p>\n

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Chase Freedom Unlimited<\/h2>\n

One of the best no-annual-fee cards on the market is the Chase Freedom Unlimited\u00ae<\/a><\/span> (see rates and fees<\/a>).<\/p>\n

Welcome bonus<\/strong>: Earn $200 cash back after spending $500 on purchases in the first three months from account opening.<\/p>\n

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\"Chase<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: The Chase Freedom Unlimited is a great card for nonbonus spending since it earns at least 1.5% back on all purchases.<\/p>\n

If you also have a card that earns Chase Ultimate Rewards<\/a> points, you can pair them with the Freedom Unlimited to convert your cash back<\/a> into valuable Ultimate Rewards points. You can then use them to book travel through Chase Travel\u2120<\/a> with a redemption bonus or transfer them to airline and hotel partners<\/a> for potentially even more value<\/a>.<\/p>\n

To learn more, read our full review of the Chase Freedom Unlimited<\/a>.<\/p>\n

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Apply here: Chase Freedom Unlimited<\/a><\/span><\/b><\/p>\n

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Citi Double Cash Card<\/h2>\n

The Citi Double Cash\u00ae Card<\/a><\/span> (see rates and fees<\/a>) makes it easy to earn solid cash-back rewards on every purchase.<\/p>\n

Welcome bonus<\/strong>: Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening.<\/p>\n

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\"Citi<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: 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).<\/p>\n

Plus, the card is a fantastic choice if you want to fit it into a larger Citi-oriented strategy<\/a>. That’s because cash back is earned in the form of Citi ThankYou Rewards<\/a> points, and you can unlock higher-value redemption options<\/a> if you hold certain ThankYou Rewards cards.<\/p>\n

To learn more, read our full review of the Citi Double Cash<\/a>.<\/p>\n

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Apply here: Citi Double Cash Card<\/a><\/span><\/strong><\/p>\n

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Citi Strata Card<\/h2>\n

The Citi Strata\u2120 Card<\/a><\/span> (see rates and fees<\/a>) provides a valuable bonus and great earning rates, especially when you consider it charges no annual fee.<\/p>\n

Welcome bonus<\/strong>: Earn 30,000 bonus points after spending $1,000 on purchases in the first three months of account opening. TPG’s November 2025 valuations<\/a> place this offer at a value of $570.<\/p>\n

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\"Citi<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: 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.<\/p>\n

As with the Double Cash<\/a><\/span>, you can receive more value from your rewards if you pair this card with certain ThankYou Rewards-earning cards.<\/p>\n

To learn more, read our full review of the Citi Strata<\/a>.<\/p>\n

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Apply here: Citi Strata Card<\/a><\/span><\/strong><\/p>\n

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Delta SkyMiles Gold American Express Card<\/h2>\n

Delta Air Lines flyers will appreciate the level of benefits that the Delta SkyMiles\u00ae Gold American Express Card<\/a><\/span> offers in exchange for its modest annual fee.<\/p>\n

Welcome bonus<\/strong>: Earn 50,000 bonus miles after spending $2,000 on purchases in the first six months of card membership. Per our November 2025 valuations<\/a>, this offer is worth $625.<\/p>\n

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\"Delta<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0 introductory annual fee for the first year, then $150 (see rates and fees<\/a>).<\/p>\n

Why I like it<\/strong>: The Delta SkyMiles Gold Amex is an entry-level credit card in the Delta SkyMiles<\/a> program. The card comes with multiple benefits, including a first checked bag free and priority boarding on Delta flights.<\/p>\n

If you are a casual Delta flyer or a beginner who is just getting into points and miles<\/a>, this is a great card to consider.<\/p>\n

To learn more, read our full review of the Delta SkyMiles Gold Amex<\/a>.<\/p>\n

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Apply here: Delta SkyMiles Gold American Express Card<\/a><\/span><\/strong><\/p>\n

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Hilton Honors American Express Card<\/h2>\n

The Hilton Honors American Express Card<\/a><\/span> comes with solid perks and earning rates for those who occasionally stay with Hilton.<\/p>\n

Welcome bonus<\/strong>: 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<\/a> deem this offer to be worth $500.<\/p>\n

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\"\"<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual<\/strong> fee<\/strong>: $0 (see rates and fees<\/a>).<\/p>\n

Why I like it<\/strong>: The Hilton Honors Amex is an entry-level card in the Hilton Honors<\/a> hotel program. You’ll earn bonus Hilton points in multiple bonus categories and receive complimentary Hilton Silver elite status<\/a>.<\/p>\n

These are decent perks for a card with no annual fee.<\/p>\n

To learn more, read our full review of the Hilton Honors Amex<\/a>.<\/p>\n

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Apply here: Hilton Honors American Express Card<\/a><\/span><\/strong><\/p>\n

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IHG One Rewards Traveler Credit Card<\/h2>\n

Many cobranded hotel cards come with exorbitant annual fees, but the IHG One Rewards Traveler Credit Card<\/a><\/span> (see rates and fees<\/a>) is an exception.<\/p>\n

Welcome bonus<\/strong>: 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<\/a>.<\/p>\n

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\"IHG<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: If you want a no-annual-fee hotel credit card, there is a lot to like about the IHG One Rewards Traveler card.<\/p>\n

One of its best perks is the fourth-award-night-free benefit<\/a> when you redeem IHG One Rewards<\/a> points. With this benefit, you’ll pay no points for every fourth night on an award stay of four nights or longer.<\/p>\n

To learn more, read our full review of the IHG One Rewards Traveler<\/a>.<\/p>\n

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Apply here: IHG One Rewards Traveler Credit Card<\/a><\/span><\/strong><\/p>\n

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United Gateway Card<\/h2>\n

For those who fly United Airlines occasionally, the United Gateway\u2120 Card<\/a><\/span> (see rates and fees<\/a>) is worth considering.<\/p>\n

Welcome bonus<\/strong>: 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<\/a>.<\/p>\n

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\"Chase<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: United’s entry-level cobranded credit card offers a simple way to earn United MileagePlus<\/a> miles across several bonus categories. Plus, the card provides a discount on United inflight purchases and United Club<\/a> premium drink purchases.<\/p>\n

It’s a solid option for beginners looking to earn United miles without paying an annual fee.<\/p>\n

To learn more, read our full review of the United Gateway<\/a>.<\/p>\n

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Apply here: United Gateway Card<\/a><\/span><\/strong><\/p>\n

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Wells Fargo Active Cash Card<\/h2>\n

If you bank with Wells Fargo, the Wells Fargo Active Cash\u00ae Card<\/a><\/span> (see rates and fees<\/a>) provides simple cash rewards earnings for you to enjoy.<\/p>\n

Welcome bonus<\/strong>: Earn a $200 cash rewards bonus after spending $500 on purchases in the first three months from account opening.<\/p>\n

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\"\"<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Annual fee<\/strong>: $0.<\/p>\n

Why I like it<\/strong>: You can earn unlimited 2% cash rewards on purchases, making it a great choice for those seeking a straightforward earning structure.<\/p>\n

The card also provides cellular telephone protection<\/a> and zero liability protection<\/a>, which are notable perks for a no-annual-fee card.<\/p>\n

To learn more, read our full review of the Wells Fargo Active Cash<\/a>.<\/p>\n

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Apply here: Wells Fargo Active Cash Card<\/a><\/span><\/strong><\/p>\n

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Bottom line<\/h2>\n

Welcome bonuses<\/a> 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<\/a> regarding when you’re able to earn a bonus.<\/p>\n

Even though these cards have minimum spending requirements on the lower side, spend mindfully<\/a> to ensure you unlock the full value of the welcome offer. A valuable introductory bonus can give your rewards strategy a supercharged boost.<\/p>\n

Related: Got a new credit card? Here are 4 tips to help you earn your welcome bonus<\/a><\/strong><\/p>\n

For rates and fees of the Delta SkyMiles Gold Amex card, click here<\/a>.<\/em>
For rates and fees of the Hilton Honors Amex card, click here<\/a>.<\/em><\/p>\n<\/div>\n


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Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":1,"featured_media":206639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-206638","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/206638","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=206638"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/206638\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/206639"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=206638"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=206638"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=206638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}