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Credit Card Deals with Spending Bonus of 2023
Credit card with sign-up bonuses, first spend bonuses, early spend bonuses and other promos that will allow you to earn big rewards for almost nothing in return, are very popular nowadays. Such cards are usually offered to people with good or excellent credit. However, those people who have limited credit, may also reap early spend rewards. Below you will find credit cards that offer sign-up bonuses.
June 2023: BEST BONUS OFFER
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Excellent/Good/660+ Credit
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% to 29.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
*Rates and Terms and Benefit Terms
*Rates and Terms and Benefit Terms
Annual Fee
None
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
More Credit Cards with Reward Bonus
Good/Excellent Credit
- Earn more everywhere you go!
- 50,000 Bonus Points when you spend $3000 in the first 90 days
- Up to $799 total Travel value
- 4X Points on all Travel categories for PenFed Honors Advantage Members
- 3X Points on all Travel categories
- 1.5X Points on all other purchases
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$95
Excellent/Good/Fair Credit
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.99% - 18.00% Variable APR
Annual Fee
None
Excellent/Good Credit
- Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
- Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
- 5% in Earnings on eligible GM dealership parts, accessories or service purchases
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
- 0% Intro APR on purchases for the first 12 months, variable of 18.99% to 28.99% APR after
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms & Limitations Apply. Subject to credit approval
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
18.99% to 28.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
Annual Fee
None
Good/Excellent Credit
- Earn Cash Back for Everyday Purchases
- No Caps. No Limits. No Gimmicks.
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with your card
- $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$0
Excellent/Good Credit
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
13.25% - 18.00% Variable APR
Annual Fee
None
Excellent/Good/660+ Credit
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.99% to 29.99%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% to 29.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
Annual Fee
None
Good/Excellent Credit
- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Introductory APR for 12 months on balance transfers made in the first 90 days after account opening. Read more
Ongoing APR
17.99% Variable
Annual Fee
$0
Excellent / Good Credit
- Enjoy 0% Intro APR on Purchases for up to 15 months; a variable go-to APR applies after that.
- Earn up to 5% cash back or up to 3x points on purchases.
- Earn up to 60,000 bonus miles/points as a sign-up bonus.
Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
See Terms
Annual Fee
$0
Credit Card Offers with Spending Bonus
Sign-up bonus, or so called early spend bonus, is something you get when apply for a credit card first time and meet specific requirements. Sometimes it is easy to get an early spend bonus and sometimes you need to make an effort to do so.
So, when it is easy to get a sign-up bonus? Once in a while credit card issuers give such bonus right after you are approved for a credit card. Such offer is a rare thing and if you grab it, you are lucky. Another easy bonus is when you need to make a first purchase with your newly received credit card to get a promoted bonus. You should make any purchase, or, which is more often, your fist purchase should be of a specific amount on a single receipt to qualify for a sign-up bonus.
When you need to make efforts. First of all, such offers are most common nowadays. So, the chances are, you will need to read the bonus terms to clearly understand what you should do to qualify. But usual early spend bonus requirements are as following: you should spend a specific amount of money on purchases within a specified period of time to qualify.
Those are some early spend bonus basics. When you need more details about specific promo it is worth reading terms and maybe contacting the issuer. Just remember that promos can change or expire, so make sure you will be able to grab your deal.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
You will receive 15,000 bonus points after you pay your annual fee or use your card for purchases. This amount of points is not so big and it doesn't guarantee that you will be able to book an award ticket, because the required amount of points...
The Blue Delta SkyMiles co-branded credit card has a 10k bonus offer. Practically it does not guarantee that you will get an award ticket without additional spendings. Note that the redemption options and required number of miles for an award ticket...
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