Posted by William Charles on November 8, 2016
Credit Cards

Published on November 8th, 2016 | by William Charles

51

Best Cash Credit Card Sign Up Bonuses For 2017

I travel regularly for work and as such I have way too many airline points and miles, because of this I much prefer cash sign up bonuses. I’ve always found it difficult to find the best cash bonuses as lists often contain bonuses that are terrible when redeemed for cash, statement credit or check. I decided to create this list to help those out in similar situations.

This post does not contain any affiliate links. We appreciate you using our links when available but you won’t find any in this post.

So here goes. I’ve undoubtedly missed a lot of offers, so feel free to let me know how wrong I am in the comments section. This page will be updated regularly to make sure the information is correct, so please bookmark it and share it with your friends.

Personal Credit Cards With Cash Bonuses

  • Chase Sapphire Reserve: $1,000 in cash or statement credit + $300 travel credit – $450 Annual Fee  [Our review]

This card gives you 100,000 Chase UR points for spending $4,000 within three months. . Chase UR points can be redeemed for cash or check at a rate of 1¢ per 1 point, making this bonus worth a total of $1,000. The downside is that this card has an annual fee of $450, but it also comes with an annual travel credit of $300 (per calendar year) so you should be able to use this twice and pay the annual fee only once. Here are some ideas on how to turn this into cash.

If you do this correctly you’d end up with $1,000 in cash + $600 in travel credit. If you used the travel credit for gift cards and got 80% of facevalue you’d end up with a total of $1,480 in cash value and a $450 annual fee for a profit of $1,030. Easily the best card on this list.

This card gives you 40,000 Wells Fargo points after you spend $3,000 within the first three months. These points can be redeemed via a check or statement credit at a rate of 1¢ per point giving us a total of $400. You also get a $100 airline reimbursement which can be used for paying fees/taxes on award flights, alternatively you can buy airline gift cards and then sell those to a gift card reseller. You shouldn’t have any issue getting 80% of face value, bringing your grand total to $480.

There is an annual fee of $175 which is waived for the first year. This is the highest this sign up bonus has ever been.

  • Chase Sapphire Preferred: $450 in cash or statement credit, $95 annual fee waived first year[Our half finished review]

This card gives you 40,000 Chase UR points for spending $3,000 within three months. You also get an additional 5,000 points for adding an authorized user (no SSN required). Chase UR points can be redeemed for cash or check at a rate of 1¢ per 1 point, making this bonus worth a total of $450. There is an annual fee of $95 but this waived for the first year.  It’s worth noting that this bonus regularly goes up to 50,000 points + 5,000 for the authorized user so it might be worth holding out.

  • Barclay Arrival Plus: $525 in statement credit when redeemed against travel or $250 in statement credit, $89 annual fee waived 1st year [Our review]

This card gives you 50,000 miles when you spend $3,000 within three months. These miles can be redeemed for statement credit, the rate you get is dependent on the charges you are redeeming against. If it’s redeemed against travel charges you’ll receive 1¢ per mile, otherwise you’ll only receive 0.5¢.

When redeeming against travel expenses you also get 5% of your miles back, this brings the sign up bonus to a total of $525 when redeeming against travel expenses or a flat $200 when redeeming against other charges. The annual fee of $89 is waived for the first year.

  • American Express Premier Rewards Gold: $325 in statement credit/$650 in gift cards, $0 Annual Fee First Year, then $195 Fee + $100 Airline Credit

Our coverage of this deal

This card comes with a sign up bonus of 40,000 American Express membership rewards points after you spend 21,000 within three months. You also get another 25,000 American Express membership rewards after you spend $2,000 the next card member year. The $195 annual fee is waived the first year, but you’ll need to pay it the second year.

American Express membership rewards points can be redeemed for statement credit at 1 point  = 0.5 cents which would give a cash sign up bonus of $325 ($200 first year). Alternatively they can be redeemed for gift cards at 1 point = 1 cent which would give a bonus of $650 ($400 first year). You also get a $100 airline credit for incidentals annually as well.

  • Capital One Venture Rewards Miles: $400 in travel credit/gift cards & $200 cash/statement credit

Our coverage of this deal

The Capital One Venture Rewards card offers 2% on all purchases with a $59 annual fee (waived first year). It currently comes with a 40,000 mile bonus after $3,000 in spend, these points are worth 0.5¢ each when redeeming for cash or statement credit. When you redeem for gift cards or against travel expenses they are worth 1¢ each.

  • Blue Cash Everyday/Preferred $250 + 10% Back On Amazon Up To $200 back

Blue Cash Everyday offers a bonus of $250 after $500 in spend and 10% cash back on Amazon (up to $200 limit) and the Preferred is the same but with a $1,000 spend requirement. Not everybody is able to get these offers to show.

  • TD First Class Visa Credit Card: $250 in statement credit [Our review]

The annual fee of $89 is waived for the first year and you earn 15,000 points when you first swipe your card. You also earn an additional 10,000 points when you make $3,000 or more in purchases within the first three months. Points are worth 1¢ when you redeem against travel or restaurant expenses or have 25,000 or more points. Card also earns 3x points on restaurant and travel expenses.

  • Wells Fargo Propel 365: $200 in cash or statement credit  [Our review]

You’ll get 20,000 WF points after $3,000 in purchases, these can be redeemed for cash or statement credit at a rate of 1¢ giving you a total cash sign up offer of $200. The annual fee of $45 is waived for the first year and this is the highest this sign up bonus has ever been.

  • U.S Bank FlexPerks Travel Rewards $200 in cash

This card comes with a 20,000 point sign up bonus when you spend $3,500 within four months. Points can be redeemed for statement credit with 1 point = 1 cent, making this bonus worth $200 in cash. It’s probably worth holding out for a major sporting event as U.S bank regularly runs promotions such as their 2014 winter Olympics promo which had an extra 7,450 points on offer.

There is a Visa & American Express version of this card.

  • Barclay Arrival: $220 in statement credit when redeemed against travel or $100 in statement credit [Our review]

This card works similar to the Arrival Plus card but only comes with a sign up bonus of 20,000 miles instead of 40,000. It also has no annual fee. When redeeming against travel expenses you’ll receive a bonus of $220 in cash, when redeeming against other charges you’ll only receive $100.

This card offers you a $150 cash bonus after $500 in spend within the first three months of account opening. This card also comes with an authorized user bonus of $25 after first purchase bringing the total to $175 cash. There is no annual fee on this card. It also has 5% rotating cash back categories. You can also transfer to Chase UR transfers partners if you have an eligible card (Bold/Ink or Sapphire Preferred). This bonus regularly goes up to $200/$225, we’d recommend waiting for that.

  • Chase Freedom Unlimited: $175 in cash or 12,50 Chase UR points

Basically the same as the card above. $150 bonus after $500 in spend within the first three months and additional $25 authorized user bonus after first purchase. No annual fee and card earns 1.5 Chase UR points per $1 spent (1.5% in cash back).

  • Wells Fargo Cards: $150 in Cash

More information here.

Three different cards all offering $150 in cash. Two offers 5% in some categories for six months and the other offers 1.5% cash back on all purchase + cell phone insurance.

  • TD Cash Rewards Visa: $150 in Cash

Normal bonus is $100, but frequently goes up to $200. Current offer is $150 after $500 in spend within three months.

  • Fidelity Visa: $100 in cash

Information regarding bonus

Normally this card does not earn a sign up bonus but it offers 2% cash back. Currently you can get a $100 bonus as well.

  • Chase AARP: $100 in cash or statement credit [Our review]

$100 after $500 in spend and no annual fee for the life of the card. Also comes with 3% categories for gas and restaurants. Bonus frequently goes up to $200.

  • Bank Americard Cash Rewards: $100 in cash

It’s frequently possible to get a bonus of $200 on this card, so wait for that.

  • U.S Bank Cash+: $100 after $500 in spending

The beauty of this card is that it also lets you choose categories to earn 5% cash back in. More details here.

  • Upromise From Barclaycard: $100 After First Purchase

Card also earns 5% cash back in select categories, this is the highest this bonus has been. More details here.

  • Capital One Sony Card: $100 After First Purchase

Card sometimes goes up to $200, $100 is issued after first purchase and another $100 after you spend $500 within three months. At the moment this bonus is only $100.

  • Capital One QuicksilverOne Rewards: $100 in cash

This card offers a $100 cash bonus when you spend $500 within three months. Also earns 1.5% on all purchases and has an introductory APR of 0%.

  • Union Bank Graphite Black American Express Card: $100 in cash

This card comes with a $100 bonus when you spend $500 within three months, has an annual fee of $99 which is waived for the first year.

  • First National Omaha Bank $100 in cash

This card comes with a $100 cash bonus when you spend $1,000 within the first three months. This card also comes with a free FICO score (bankcard enhanced).

Personal Cards With Gift Card Bonuses

A lot of points/miles can be redeemed for gift cards. We thought it’d be best to keep these in a separate category as a lot of people don’t want the hassle/bother of dealing with selling these. You should easily be able to get 80-90% of face value by reselling these gift cards. We recommend using gift card granny to see which reputable resellers are offering what rates.

  • Chase Southwest Rapid Rewards Premier/Plus Card – $500 in gift cards – $69/$99 annual fee

These cards come with 50,000 Southwest miles. As long as you have the credit card open these miles can be redeemed for an assortment of different gift cards, they have a big selection so finding one that gives you 90% of face value shouldn’t be too difficult, this would make this sign up bonus worth $450. Keep in mind that the annual fee of $69/$99 (plus/premier) is not waived the first year, which would bring this bonus down to $351-$381.

  • Starwood Preferred Guest From American Express $277.5 in gift cards

More information regarding this offer

Currently possible to get 30,000 SPG points after $3,000 points on this card. Annual fee of $95 is waived the first year as well. It’s not possible to get cash or statement credit for these points but you can redeem them for gift cards. It seems to be about 1 cent per point in value unless you’re redeeming more than $100 worth at a time, then it goes up 1.11 cent per point.

With 30,000 points you’ll end up with close to $330 in gift cards, you should be able to get 80% of face value for these cards which would result in a cash value of $264.

  • Citi AAdvantage Visa – $200 in gift cards

This card comes with a sign up bonus of 50,000 AAdvantage miles, these can be redeemed for a variety of gift cards. Unfortunately the redemption rates are truly terrible. A $50 gift card will set you back 12,295 points which means you’ll be able to get a total of 4 ($200 in gift cards) with 820 miles left over. If you get 80% face value you’ll be left with a cash bonus of $160. Annual fee of $95 is waived first year. These transactions must be done through points.com, read our review here.

  • Chase IHG $181 in gift cards

Read how to get this offer here

IHG allows you to redeem your points for gift cards. Unfortunately the redemption rates are quite low, a $25 gift card will set you back 11,000 points (which works out to be 0.23¢ per point). The sign up bonus is currently 80,000 points which would result in $181 in gift cards. One thing they do have going for them is a large selection, you should be able to find at least one gift card that can be resold for 90% of face value which would mean the cash value of this bonus is $163. The annual fee of $49 is waived for the first year.

Business Credit Cards With Cash Bonuses

  • Ink Plus $700 in statement credit/cash 

Read how to get this offer here

These cards currently have a sign up bonus of 70,000 Chase UR points when you spend $5,000 within three months can be converted to cash by check at a rate of 1¢ per point giving them a $700 cash value. The $95 annual fee on both cards is waived for the first year if you apply in branch.

  • American Express SimplyCash Plus – $500 In Statement Credit

Requires $5,000 in spend for a $250 statement credit within the first three months. You then get another $250 statement credit if you spend an additional $10,000 or more within the first year. The good thing is that this card also earns 5% in some useful categories and has no annual fee.

  • Capital One Business Spark Cash – $500 in statement credit

Earn $500 after you make $4,500 in purchases. Annual fee of $59 is waived the first year and the card earns 2% cash back as well.

  • Business Gold Rewards Card from American Express OPEN – $375 in statement/$750 in gift cards

This card comes with a 75,000 amex membership rewards bonus after you spend $5,000 within three months. These points are worth 0.5¢ when redeeming for statement credit ($375 bonus) and 1¢ when redeeming for gift cards ($750 bonus) you should be able to get 80% facevalue when reselling the gift cards giving a cash bonus of $600. The annual fee is waived for the first year. Find out how to get this card here.

  • Ink Cash $300 in statement credit/cash

The Ink cash is the ugly stepchild of the Ink Plus and gives a bonus of $300 when you spend $3,000 within three months. It has no annual fee.

  • Bank of america Business Cards – $200/$250 In Statement Credit

Requires only $500 in spending to get these bonuses. They are available on over four different business cards. No annual fee on any of the cards, read more here.

  • U.S Bank FlexPerks Business Travel Rewards Visa – $200 in statement credit

This card comes with 20,000 FlexPoints after you spend $3,500 or more within the first four months. These points are worth 1 cent each when redeeming for statement credit, this gives us a bonus of $200. The annual fee of $49 is waived first year.

Location Specific Business Cards

AmaZing credit cards $250 Cash Bonus, No annual fee:

There are a number of credit unions that offer the same three business credit cards. These cards are the AmaZing Rewards® for Business Visa® credit card (25,000 points after $2,500 in spend) and AmaZing Cash® for Business Visa® Credit Card ($250 cash bonus after $2,500 in spend) AmaZing Rate® for Business ($250 cash bonus, doesn’t earn rewards). All three of these cards have no annual fee. Below is a list of credit unions that offer one or more of these cards.

Best Business Credit Cards With Gift Card Bonuses

  • American Express Platinum Business $500 in statement/$1,000 in gift cards – Annual fee of $450 NOT WAIVED

It’s possible to get a 100,000 offer, you get 50,000 points after $5,000 in spend within the first three months and then an additional 50,000 points after you spend an additional $10,000 within the first three months.  If you redeem this for statement credit you’ll receive $500. You can also redeem it for $1,000 in gift cards, the selection is quite good so you should be able to get 80%+ of face value, this would result in $800 in cash. It’s important to remember that the annual fee of $450 is not waived which would only leave you a cash profit of $50 or $550 if you wanted to go through the gift card route.

This also comes with $200 per year in airline reimbursements, $100 in global entry reimbursement and airport lounge access.

  • Chase Business Southwest Rapid Rewards Premier Card – $500 in gift cards – $99 annual fee

Both of these business cards come with 50,000 Southwest miles. If you have your credit card open these can be redeemed for gift cards, the selection is massive which means you should be able to get 90% of face value. When redeeming for gift cards you can redeem at a rate of 1 mile = 1 cent. This means that 50,000 Southwest miles would result in $500 gift cards, which could be sold for $450. If you take away the annual fees you’ll be left with $351-$381.

  • Starwood Preferred Guest Business From American Express $277.5 in gift cards

This card gives you 10,000 SPG points after first purchase and an additional 15,000 points after you spend $5k within give months. The annual fee of $65 is waived first year. It’s not possible to get cash or statement credit for these points but you can redeem them for gift cards. It seems to be about 1 cent per point in value unless you’re redeeming more than $100 worth at a time, then it goes up 1.11 cent per point. With 25,000 points you’ll end up with close to $277.5 in gift cards, you should be able to get 80% of face value for these cards which would result in a cash value of $222.

  • Citi Business AAdvantage Visa – $200 in gift cards

This is the same as the personal offer, you’ll end up with $200 in gift cards or $160 in cash. Annual fee of $95 is waived for the first year.

Final Thoughts

Hopefully you’ve found this article somewhat informative, it took us awhile to put together. If you’re struggling to meet the minimum spend requirements we suggest reading our tips. You could also do some basic things such as funding a new checking account with a credit card (this information is also listed on our best bank bonus page so you can get a bonus while you’re getting a bonus).

As we mentioned at the start of this article, we’ve undoubtedly missed a lot of good cash offers. If you know of one, let us know in the comments and we will include it.



51 Responses to Best Cash Credit Card Sign Up Bonuses For 2017

  1. I don’t see the Citi Executive 100k card
    Another great option is the Barclay Lufthansa 50k.
    Additionally the 40k Us airways and 50K frontier.

    • Citi Executive 100k offer has an annual fee of $450. The points can’t be redeemed directly for cash and the gift card redemption are lousy. E.g, you’d end up with about $375 in gift cards which doesn’t cover the annual fee. I know you get $200 back for airline incidentals but at best you’ll end up with $575 in gift cards. If you get 80% face value that’s a cash bonus of $460, which is only $10 more than the annual fee.

      Lufthansa cannot be redeemed for cash/gift cards, neither can US airways or frontier (at least not at attractive rates). That’s what my research told me, I may have missed something though so if you know something then please share. Those are all OK offers, but not if you’re looking for cash!

  2. Christian says:

    $150 discover offer no longer available

  3. James B. says:

    I applied for the Capital One Venture CC about 7 months and was declined because of too many recent CC apps. Any advice for successful Capital One apps? How long should on wait between Capital One apps?

    • Not sure how long you need to wait in between apps, did you try calling reconsideration last time?

      • James says:

        I searched through some flyertalk threads and this card is churnable. It is not clear how long to wait between apps and is YMMV. It appears most successful apps waited 2 or more years between apps in order to receive the bonus.

        I called reconsideration and it was a no go due to too many recent hard pulls. Capital One appears to be very sensitive if there are too many recent credit inquiries.

  4. Keith says:

    Is the $100 airline reimbursement for Wells Fargo Credit card based on the calendar year (similar to Amex) or is is based on the time you applied/received the card

  5. Aureliano says:

    Citi ThankYou Preferred is offering 30k.

    Amex PRG is offering 50k.

  6. q says:

    For the American Express Premier Rewards Gold 50K, what gift cards are usually the highest valued? Home Depot? Thanks!

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  9. Wow! This truly a great list of cash back credit cards. I really enjoyed how you wrote out all of the best redemption option for each credit card. I’ve been meaning to find a list of which where the best, but could never tell about redemption options since I didn’t have the actual credit card. Thank you so much for writing out this list!

    I also have one question I hope you can answer. Do you have any ideas about the Capital One Spark Miles Business Card? They’re currently offering 50k miles on the card. Is it it possible to redeem for a statement credit or gift cards with that card?

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  11. Harold says:

    The Chase Sapphire offer is currently 50,000 UR points, plus 5,000 more for an AU.

  12. beatgammit says:

    Fidelity Amex is discontinued. Not sure if the new Citi card has a bonus.

  13. Harold says:

    I’m not sure that the TD Bank Cash rewards bonus is generally available. At the top of the application, it asks for a Preferred Customer Number. If you click on the question mark for more information, it says: To receive your bonus, please provide your Preferred Customer Number XXXXXX-XXXXXXXXXX. This makes me think that you need this number to get the bonus.

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  16. Jeremy says:

    Alliant’s regular targeted offers (350-500) are probably worth mentioning, especially once somebody finds out if they are churnable or not.

  17. Justin says:

    Great post, thanks Doc

  18. Mark O says:

    The Capital One Spark Cash is $500 after $4500 spend in 3 months…a lot better then you offer you are showing. AF is waived the first year.

    The no fee one is $200 after 3k in spend.

  19. Ann says:

    The new Merrill Visa Signature Card might be a good addition

  20. Ryab says:

    As someone with a family and limited time to travel, this list is invaluable.

    Personally, we get a couple thousand in gift cards or cash every year and still have enough points to go on 3-4 trips per year.

    For me, gift card and cash redemption are too easily looked down upon in this gam3

  21. Vince says:

    Consumers Credit Union Visa Signature Cash Rebate: Card still available $100 in cash signup bonus not currently available (no idea if it will return).

  22. David says:

    Wells Fargo Propel World hasn’t been around for quite a long time, I thought? No link available that I can find. Anyone have one? If not, might want to delete that card.

  23. Curmudgeon says:

    A couple of typos:

    Wells Fargo Propel World card:
    “There is an airline fee of $175…” – should be annual fee.

    Ink Cash card:
    Title says “Ink Cash $300 in statement credit”, but text says “gives a bonus of $200”. Per Chase website bonus is $300.

    Thanks for all your work DoC!

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  25. allen says:

    you can tell the age of this article by seeing Amazon Payments mentioned at the end…good times…

  26. me says:

    Fidelity Amex should be labeled Fidelity Visa 🙂

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