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Over the Past 60 Days!
Best Credit Card Welcome Offers of 2026
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Welcome offers are a staple of modern credit cards, offering points, miles or other bonuses as incentive for using a new card after opening an account.
While there is an ocean of different offers on the market, some of our favorites are the ones that offer cash rewards. Why are they so good? Well:
- They’re simple. So long as you spend the required amount in the allotted time, you’ll be putting cash right back in your pocket. No points programs to worry about.
- They’re generous. Several cards with cash back welcome offers have programs that reward upwards of $200 for spending $500 in the first 3 months of account opening – that’s a 40% rate of return.
- They’re usually not alone. Most cards with a compelling cash welcome offer typically have a suite of other great benefits, like solid everyday rewards programs and come with low-or-no annual fees.
If that sounds good to you, take a look at the list below and discover how you can easily put cash back in your pocket with some of the best cash welcome offers of the year:
Bank of America® Customized Cash Rewards credit card
If you want choice in how you earn cash back rewards, this is the only card that lets you choose your rewards category to match your buying habits.
Welcome Offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards: 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Annual Fee: $0.
Discover it® Chrome
If you’re looking for a card with unlimited cash back opportunities alongside an intro APR period for both balance transfers and purchases, don't miss this one.
Welcome Offer: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Rewards: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
Annual Fee: $0
Discover it® Cash Back
If you like your credit rewards in cash, this is a great pick with its outstanding cash back match program in your first year.
Welcome Offer: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Rewards: 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Annual Fee: $0.
Blue Cash Preferred® Card from American Express
If you’re not afraid of having to eventually pay an annual fee, this is one of the best cash back* offers on the market today.
Welcome Offer: You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards: This card makes earning cash back* a breeze. Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Annual Fee: $0 intro annual fee for the first year, then $95.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
Blue Cash Everyday® Card from American Express
This is an excellent $0-annual-fee cash back card that lives up to its name – it’s one of the best offers out there for everyday purchases and its welcome offer just sweetens the deal.
Welcome Offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards: This card is a cash back* machine. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Annual Fee: $0.
*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
