Signup Bonus Credit Cards
1. Wells Fargo Cash Wise Visa Card
Why We Like It:
"1.8% cash back w/ ApplePay® or GooglePay™"
The adage “money talks” exists for a reason. But perhaps, it’s never been truer than with Wells Fargo Cash Visa credit card. That’s because not only do you earn cashback on purchases, but the Cash Wise Visa card can help you keep the conversation going if your cell phone gets stolen or broken. Obviously, you’re here to learn if this card is right for you. So here are all the details you need to know about the Wells Fargo Cash Wise Visa card:
This isn’t your average, everyday cashback card. It has above average perks, but as such, it’s a card for high-rollers looking to spend tens of thousands of dollars each year on their credit card. And for those who have the credit score to back up that kind of shopping.
Anyone interested in applying for this card should have a minimum credit score of 690. That means to get the best APR available you should apply with excellent credit. If you’re looking for a cashback rewards card that offers similar advantages to average spenders with average credit, this card is not the one for you.
Since the Wells Fargo Cash Wise Visa card tends to offer the same rewards across all spending categories, it’s recommended for shoppers whose spending profile touches on a wide variety of retailers. This card rewards you for shopping online with a qualifying digital wallets, too! The bottom line is if you’re going to make the most of this card, you need to shop ‘til you drop. And do it responsibly.
Wells Fargo offers a number of standard perks that come with this card. These include robust security features like 24/7 fraud monitoring, zero liability protection on purchases and rapid push alerts that keep you on top of any red flags on your account.
There are some additional features that shoppers will receive when they signup for the Cash Wise card, these include:
These benefits make one thing clear, when you are a Cash Wise user, Wells Fargo has your back. But the selling point of this card is an offer of cold, hard cash. As a cashback card, the Cash Wise credit card offers cash on all purchases without rotating categories, and incentives when you shop online with your digital wallet. That's great news for shoppers who use Apple Pay, Google Pay, Samsung Pay or Wells Fargo Wallet.
Like most cards by Wells Fargo, it also offers introductory perks and bonuses that can make it an even more lucrative card for the right type of spender.
Because of the benefits a Wells Fargo credit card has to offer, you may be biting at the bit for the Cash Wise Visa. But proceed with caution to determine if this is the right card for you.
It’s not that this isn’t a good card; we believe it is. But it isn’t geared toward the average consumer. The person who will get the most rewards from this card is an elite breed of high spender with above average credit.
If that doesn’t sound like you, there are a number of other cashback cards reviewed on this site like the Capital One Quicksilver Cash Rewards, Citi Double Cash card, The Chase Freedom Unlimited and Discover it Cashback Card. Any single one of these might be a better fit for moderate spenders looking to reap no frills, flexible cashback rewards.
Reviews of the Cash Wise card seem to be split down the middle. Most negative reviews come from people seeking cashback relief from this card after a one-time large purchase. That’s not what this card is designed for. There are other cards better suited for those seeking to make a large purchase and recoup some of their money back in the form of lucrative bonuses delivered in a timely, easily redeemable way.
Considering the advantages of the Cash Wise card, it’s a good deal for people who spend a lot on credit anyway, pay off their balance each month and have a credit score in the range of good to excellent. If this sounds like you, it’s especially rewarding if you use it to pay your cell phone bill because it can help you in a jam, should your device get stolen or broken. It also rewards people who use digital services like Apple Pay on their smartphone with additional cashback incentives.
For the executive on-the-go who has plenty of disposable income and spends a lot of time tapping away on a smartphone and shopping online, this card offers a lot. Wells Fargo keeps busy customers safe by offering security and protection that helps consumers who don’t have time to check-in often. That’s in addition to cashback rewards on purchases. Who wouldn’t want to get in on that?
But if you are an average consumer, looking to make a one-time, large purchase on credit and need flexible cashback rewards and bonuses to offer financial relief, there are certainly better cards. And if you are a traveler, you might get more out of Wells Fargo Propel American Express, or another card that rewards your wanderlust.
2. Chase Freedom Unlimited
Why We Like It:
"1.5% cashback & no annual fee"
This is my #1 pick in the flat rate cash back category. This card offers 1.5% cash back on all purchases with no limits and no need to worry about rotating categories. The redemption options are great too. You can redeem your rewards for cash, gift cards, statement credits, merchandise or book travel through the Chase Ultimate Rewards® portal.
As an added bonus for loyal Chase cardholders, this card pairs nicely with some of their other flagship cards. If you already have the Chase Sapphire Preferred or Chase Ink Business Preferred, you can transfer the points you earn with this card to those cards and maximize your rewards value.
3. Wells Fargo Propel American Express
Why We Like It:
"Travel points & no annual fee"
As a culture, we're always so obsessed with getting the latest and greatest when it comes to new phones, cars, clothes and so on, but we don’t tend to look at our credit cards and other financial services in the same way. That could be because banking and finance doesn't have the same exciting feel to it. Still, I think we can all agree that saving money sure feels great!
Why shouldn't we be constantly looking for new banking products that save us money and give us better rewards? If you've relied on the same credit card for years now, I think it's worth your time to see what some other cards have to offer—and the Wells Fargo Propel card is a good place to start.
There are lots of ways to earn plenty of points with this card and if you’re someone who eats out at restaurants or orders takeout a lot, or someone who travels often or uses public transit, this card will be great for you.
4. Capital One Savor Card Review
Why We Like It:
"Go out more; 4% cash back dining/entertainment"
If groceries and eating out make up a big part of your monthly budget, the Savor Rewards card is an excellent choice. Foodies, rejoice! The credit card you've been looking for is here. Well, it's been here since October 2017, when the Capital One Savor replaced the bank's Premier Dining Rewards. And it's definitely good news for those who love dining, drinking and even Instagramming their gastronomic exploits.
Because on top of sweetening the benefits, the Savor card delivers a combination of food-centered cash back rewards in one tasty experience. You can expect more cash back on dining, entertainment and groceries than every other purchase. All of that, plus other benefits, make the Savor one tough cookie to beat when it comes to getting rewarded for something as enjoyable as wining and dining.
The Savor's three-tier cash back system is unique. Food makes the world go round. And it also makes the Savor card worth your time and money.
Before you fill in the application, ask yourself these questions:
If you answered yes to two or more of these questions, then you should consider getting yourself the Savor and making it your main credit card. Terms apply.
5. Hilton Honors American Express Review
Why We Like It:
"7X Points: Hilton Hotel/Resort"
Whether you're traveling for work or taking a weekend getaway, a travel rewards card can reward you for every dollar you spend. And if you usually choose a Hilton hotel or resort, the Hilton Honors American Express Card can help you rack up points quickly and enjoy a few extra perks during your stay. Of course, the points you earn can only be redeemed within the Hilton brand, which is fairly standard for a hotel-brand credit card. If you almost always stay at a Hilton property, then the Hilton Honors Card will absolutely be beneficial for you.
People who love to stay at Hilton hotels and related brands like Waldorf Astoria, Hampton, and Embassy Suites more than once a year get the maximum benefits out of this card.
Before you decide if the card is right for you, ask yourself:
If you answered yes to one or more of these questions, the Hilton Honors card may be a smart option for you. The more you travel, the more you earn. If you're not sure yet whether a travel rewards card is the best option for you, the Hilton Honors Card is a low-risk way to find out. Terms apply.
6. Chase Sapphire Preferred Card Review
Why We Like It:
"Double points on travel and dining"
Cross-checking travel rewards cards so you can afford to crisscross the globe? Traveling is an expensive, yet incredibly rewarding experience. But if the wanderlust is strong in you, the Chase Sapphire Preferred card might be the credit card of your dreams. With rewards points earned on travel and dining purchases and a multitude of other rewards, the Chase Sapphire Preferred card earns high marks with frequent travelers.
We outlined all the benefits of having one of these credit cards in your lineup, but let's talk about the reasons cardholders love the Chase Sapphire Preferred card the most:
1. You Get More Points for Your Buck 2. Amazing 24/7 Customer Service and Support 3. You Can Use the Chase Sapphire Preferred Card Pretty Much Everywhere 4. The Chase Sapphire Preferred Card is Legit Metal — Not a Flimsy Piece of Plastic — So It's Actually Cool 5. Points Earned are Good Towards Travel without Any Limitations 6. Team Up with the Chase Freedom Card to Maximize Your Points Earning Potential
Frequent travelers and those who dine out often will earn reward points the fastest with the Chase Sapphire Preferred card. Yet both new credit cardholders and seasoned vets will appreciate the points on travel and dining at restaurants (as well as points on other purchases). Taking advantage of the signup bonus and adding an authorized user to your account could net you even more points. So if you spend a lot on Uber rides, take out, flying or staying with one of Chase's Ultimate Rewards travel partners, this card will reward you for the activities you're already doing.
7. Chase Sapphire Reserve Card
Why We Like It:
"3X points on dining and travel"
The Chase Sapphire Reserve card is a great fit for frequent globetrotters with excellent credit who will maximize the perks offered while also racking up more points on their high travel and dining expenditures. However, even if you're not a heavy credit card user and only use this card for travel and dining purchases and decide to cancel it after a year, you can still cash in on some killer rewards.
For example: If you get this card and spend big on dining and travel, you can rack up plenty of travel rewards in just your first year of using the card. And any credit card that pays YOU money is worth a serious look.
As with any card, just be sure to make your payments on time to keep your credit score where you want it to be.
8. Amex Platinum Card Review
Why We Like It:
"Huge benefits for big spenders"
The Platinum Card from American Express makes the ideal travel companion. It undoubtedly proves that not all travel credit cards are created equal. The Amex Platinum is simply in a class of its own, and it's poised to expand your world even more as you travel, thanks to the bountiful opportunities for luxury upgrades and travel bonuses it provides. You'll be able to travel more frequently and more conveniently, courtesy of easy reward-redemption options through Amex's Membership Rewards program.
This card opens doors — literally. Whether it's the door to your Uber ride or the door to that amazing airport lounge on the other side of the world, the Platinum Card by Amex lets you in. You don't know travel until you travel with the Amex Platinum. There's a reason Amex didn't name this card Silver or even Gold. It's Platinum, and boy, does it deserve it!
Although Amex has long retired two of its famous taglines: "Membership has its privileges," and "Don't leave home without it," their underlying sentiments still ring true for their card today.
If travel is an important element of your life, and you have a credit score that lands in the "Good" to "Excellent" range, then you should probably apply for this card.
If you want a travel card that works and plays as hard as you do, then you've found it. Using up the airline and Uber credits, plus a handful of airport lounge visits sprinkled in, means you've easily scored back the entire cost of your annual fee. And that's not even touching all the thousands—yes, thousands!—of points you'll get with promotions and deals through the Membership Rewards program. So if you're gearing up for lots of travel in 2019, the Amex Platinum card would definitely be a travel companion worthy of a space in your wallet. Terms apply.
9. HSBC Cash Rewards Mastercard
Why We Like It:
"1.5% cashback on everything"
The HSBC Cash Rewards Mastercard is largely regarded as one of the better options on the market for those seeking to get cash back from their purchases. That’s because it offers above average cashback rewards on all purchases and a substantial anniversary bonus. It’s also widely accepted, anywhere you can use a Mastercard. Here are the details about the HSBC Cash Rewards card:
The Cash Rewards is a well-rounded card with straightforward benefits. It offers a slew of shopping perks like an extended warranty on eligible purchases and shopping assurance to cover items from damage or theft. However, it also appeals to travelers with its lack of foreign transaction fee, MasterAssist pre-trip planning and roadside assistance. These are a few benefits of partnering with Mastercard, in addition to its wide acceptance.
With the HSBC Cash Rewards Mastercard, what you see is what you get. That’s certainly true for it’s above average rewards, bonuses and exciting intro offers. All of the above, make this card a great one for anyone who enjoys the finer things in life like travel and shopping. However, if you want to be eligible for this card, you’ve got to have a credit score that matches its high rewards, that means you need to have a good to excellent FICO score to get approved.