Posted by William Charles on June 27, 2017
Credit Cards

Published on June 27th, 2017 | by William Charles

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Best Cash Credit Card Sign Up Bonuses For 2018

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 Preferred: $550-$750 in cash or statement credit, $95 annual fee waived first year (how to get this offer)

In branch offer gives you 70,000 points after $4,000 in spend within three months plus 5,000 for adding an authorized user when they make their first purchase. Not everybody will be able to get this offer but the standard offer is 50,000 + 5,000 and still good value. 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 $550-$750. There is an annual fee of $95 but this waived for the first year.

 

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.

  • 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 Charles Schwab Platinum: 60,000 Points (Worth $750), $550 Annual Fee ($520 in cash + $200 uber credit)

This card lets you redeem Membership Rewards points at a rate of 1 = 1.25¢ making the sign up bonus worth $750. There is a $550 annual fee leaving you with a cash profit of $200. But keep in mind the card also gives $200 in airline reimbursements per calendar year (meaning you can get $400 and only pay one annual fee) and also $200 in Uber credit.  If you purchase airline gift cards with the reimbursement (some work) and value those at 80% of face value that gives you another $320 in cash plus $200 in uber credit.

  • U.S. Bank Altitude Reserve: 50,000 Points ($500), $400 Annual Fee + $325 In Travel Credits ($410 cash value) [Our review]

This card comes with a 50,000 point sign up bonus worth $500 but it also comes with a $400 annual fee. You can use 35,000 points to offset the annual fee leaving you with $150 in points. It also comes with $325 in travel credits and if you conservatively cash those out for 80% of face value you’d get $260. Leaving you with $410 in cash value.

  • 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.

  • Chase Freedom Unlimited: $175 in cash or 17,500 Chase UR points (or $325/32,500)

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). There is also a targeted offer for $325/32,500 that you might be able to get targeted for in branch.

  • Elements Financial Credit Union: $300, No Annual Fee [Our review]

Requires you to make at least 10 card purchases that total at least $1,000 within 90 days of approval. It’s a soft pull to join and they also have a $200 checking bonus.

  • Blue Cash Everyday $300, No Annual Fee [Our review]

Offering a bonus of $50 every calendar month for the first six months when you spend $500 or more per month (if you miss one month you can make up for it in month 7 and still get the full $300 bonus). No annual fee to worry about, but bigger bonuses have been offered in the last.

  • Chase Sapphire Reserve: $500 in cash or statement credit + $300 travel credit – $450 Annual Fee ($290 Profit)  [Our review]

This card gives you 50,000 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 $500. The downside is that this card has an annual fee of $450, but it also comes with an annual travel credit of $300 (per card member year). Here are some ideas on how to turn this into cash.This means you end up with $500 in cash and $300 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 $740 in cash value and a $450 annual fee for a profit of $290. Far cry from the $1,000+ profit you used to be able to make.

  • 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.

$200 after $1,000 in spend within the first three months and no annual fee to worry about.

Most Wells Fargo cards are offering a sign up bonus of 20,000 points/$200 when you spend $1,000 within the first three months.

  • 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.

Normal bonus is $100, but frequently goes up to $200. This current offer has a lower minimum spend of $500 vs $1,500 that we usually see.

  • Chase AARP: $200 in cash or statement credit [Our review]

$200 after $500 in spend and no annual fee for the life of the card. Also comes with 3% categories for gas and restaurants. This is as high as this bonus goes.

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.

  • HSBC Cash Rewards Mastercard: $150 in cash [Our review] 

This might be a $165 bonus if the 10% end of year bonus applies to the sign up bonus as well. Card earns 2% for the first six months (plus the 10% at year end making it 2.2%) and also comes with no foreign transaction fees.

  • Bank Americard Cash Rewards: $150 in cash [Our Review]

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

  • 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.

  • 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.

  • 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.

  • 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 wiki to see which reputable resellers are offering what rates.

  • Chase Southwest Rapid Rewards Premier/Plus Card – $600 in gift cards – $69/$99 annual fee [Our review]

These cards come with 60,000 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.

  • American Express Platinum $500 in statement/$1,000 in gift cards – Annual fee of $550 NOT WAIVED

It’s possible to get a 100,000 offer, you get 100,000 points after $5,000 in spend within 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 $550 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. The upside is you get $200 in airline reimbursements (and they can be used on some gift cards with limited success) per calendar year and also up to $200 in Uber credit. This also comes with $200 per year in airline reimbursements, $100 in global entry reimbursement and airport lounge access.

  • 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. They have had bonuses of 35,000 points in the past.

  • Citi AAdvantage Visa – $200 in gift cards

This card comes with a sign up bonus of 60,000 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 10,820 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.

Location Specific Personal Cards

  • Colorado only: Westerra Credit Union Visa Signature 25,000 points ($177)

Read our post on this offer

Points worth 0.714¢ each. When you spend the $3,000 required this gives you enough for a $250 redemption.

Business Credit Cards With Cash Bonuses

  • Ink Preferred $800/$1,000 in statement credit/cash 

Read how to get this offer here | Some people have had luck getting 100,000 points using this

These cards currently have a sign up bonus of 80,000 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 $800 cash value. Annual fee of $95 is not waived so you’d end up with $705/$905 in cash. It’s also possible to get the 100,000 point offer using this.

  • American Express SimplyCash Plus – $400 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.

  • 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 – $600 in gift cards – $99 annual fee

Both of these business cards come with 60,000 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.



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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.

$150 discover offer no longer available

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?

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

Citi ThankYou Preferred is offering 30k.

Amex PRG is offering 50k.

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

[…] can view credit cards with the highest cash sign up bonuses here and also a list of credit cards that earn 5%+ cash back […]

[…] [Read: Best cash credit card sign up bonuses] […]

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?

[…] This card frequently goes up to $200, the standard bonus is only $100. Now that TD Bank doesn’t offer the 5% cards, this card might be worth looking at if you want a high cash sign up bonus. Just make sure you grab the bigger cash bonuses first. […]

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

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

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.

I called and the CSR said that they send out mailers with a Preferred Customer Number that have a better offer than the $200 on the website. If you don’t provide the Preferred Customer Number then you get the $200 stated on the website.

[…] offer on this card is $100 after $500 in spend and it also has gone up to $175. It’s not the best cash credit card sign up bonus, but it’s one of the better options. Another good thing is that Bank of America combines multiple […]

[…] available for a basic savings account (e.g no requirements to get the rate), but you could get a cash sign up bonus on a credit card instead that will provide better value. You’d also probably be better off getting a checking […]

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