Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
December 6, 2024: Today, we’re launching our coverage of the best big cash back credit card bonuses.
These new cardmember offers can give you the most cash back rewards (or points that can be easily redeemed for cash back.) On this list, we include cards we found that offer a $500 or greater bonus once you subtract the card’s annual fee.
Best $500+ cash back new cardmember bonuses in December 2024
Here are the sign-up bonuses and welcome offers where you can earn $500 or more as of our last update:
 Ink Business Preferred® Credit Card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees Offers great rewards on travel. Points can be redeemed for 1 cent each for cash back or used for higher-value travel redemptions through Chase Travel℠ or transfer partners. |
 Ink Business Cash® Credit Card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees An excellent card for small business owners who buy office supplies or internet/cable/phone service. |
Ink Business Unlimited® Credit Card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees A great option for small business owners who want cash back rewards on purchases with no annual fee. |
 U.S. Bank Triple Cash Rewards Visa® Business Card | Sign-up bonus: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. Learn how to apply. Annual fee: $0 An option for small business owners with 3% rewards at restaurants. All information about the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by cardsandpoints.com. |
 Capital One Spark Cash | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees Offers unlimited 2% cash back rewards for your small business. |
 Chase Sapphire Preferred® Card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees A good travel credit card that offers Ultimate Rewards® points, which can be redeemed for 1 cent of cash back each or transferred to travel partners. |
 Bank of America® Premium Rewards® credit card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees An excellent card for everyday spending, travel, and dining rewards if you have at least Platinum status with Bank of America Preferred Rewards. Points can be redeemed for 1 cent of cash back each. |
 Citi Strata Premier℠ Card | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees Earns increased rewards in a number of useful travel categories, plus grocery and gas purchases. ThankYou Points® can be redeemed for 1 cent of cash back each or transferred to travel partners. |
 Capital One Spark Cash Select | Sign-up bonus: bonus_miles_full Learn how to apply. Annual fee: annual_fees Earns 1.5% cash back on every business purchase. |
 Signify Business Cash℠ Card | Sign-up bonus: Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. Learn how to apply. Annual fee: $0 A card offering uncapped 2% rewards on business spending with no annual fee. All information about the Signify Business Cash℠ Card has been collected independently by cardsandpoints.com. |
How we selected cards for this list.
We made some editorial choices in which cards we included in our list of best large sign-up bonuses. Here are the criteria we used when selecting cards for this list:
- Large cash back bonus. The cash-back value of the bonus, net of the first year annual fee is greater than $500.
- Earning the bonus gets you 10% or greater cash back. The amount of spending required to earn a bonus represents an effective 10% cash back or better. (For example, an offer earning $500 after spending $3,000 would make this list because it is effectively 17% cash back, but an offer that earned $600 after spending $10,000 would not make the list because it is effectively 6% cash back.)
- Card must earn cash back or points that can be easily redeemed for cash back. While we love our miles and points, only cash-back or equivalent cards make this list. Cards requiring you to have an additional account (such as a deposit account with a specific bank) are not on this list.
Editor’s take: Several cards with $500+ bonuses flying under the radar
When we put together this list, we were surprised at how we found several cards that we didn’t see on other large sites. In particular the Signify Business Cash℠ Card, U.S. Bank Triple Cash Rewards Visa® Business Card, and Capital One Spark cash cards seemed to be missing from other lists published elsewhere.
Maybe this is unsurprising, since those banks either have no affiliate programs or have less-accessible affiliate programs. But it is our editorial policy to publish the best offers we know about, regardless of our affiliate relationships.
There’s plenty of reason to like many of the cards on this list. The Chase cards are great if you’re into the Ultimate Rewards® ecosystem—they offer plenty of ways to get additional value if you redeem for travel. Same with the Capital One cards. If you also hold a card that earns points, you can transfer you cash back rewards to your points-earning card, and then transfer your rewards to one of Capital One’s transfer partners. And the Bank of America card is an essential card if you’ve earned Platinum Honors or higher status with Bank of America’s Preferred Rewards program.
Bottom line: Lots of opportunities to earn a huge cash back bonus
The cards on this list represent your best bet if you’re looking for a card with a large (>$500) new cardmember bonus. And with many small business cards on this list, you can earn plenty of extra points without having additional accounts showing up on your credit report.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
