January 14, 2025: Capital One is now offering a $300 bonus after spending $500 within three months. This is one of the best easy cash back bonuses we’ve ever seen and we’ve added it to the top of our list.
Here’s our list of the easiest credit card welcome bonuses available.
The best easy welcome offers in January 2025
Here are the best easy credit card welcome offers available. All of these offers have a bonus of $200 or more cash back, require spending $1,000 or less to earn the bonus, give you at least three months to earn the bonus, and have no annual fee.
 Capital One Quicksilver Rewards card Annual fee: $0 | Sign-up bonus: Earn a one-time $300 cash bonus once you spend $500 on purchases within 3 months from account opening. Learn how to apply. This is the best easy welcome bonus, but for an ongoing card, we’d probably pick the Chase Freedom Unlimited® instead for 1.5% cash back, plus bonuses in select categories. All information about the Capital One Quicksilver Rewards card has been collected independently by cardsandpoints.com. |
 Chase Freedom Unlimited® Annual fee: annual_fees | Referral sign-up bonus bonus: Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. Learn how to apply. This isn’t the only bonus available on this card, but it is the easiest to earn. See our coverage of the best Freedom Unlimited bonuses for more. |
 Chase Freedom Flex® Annual fee: $0 | Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Learn how to apply. The Chase Freedom Flex® offers rotating category rewards and is a great addition to an Ultimate Rewards® wallet. All information about the Chase Freedom Flex® has been collected independently by cardsandpoints.com. |
 Wells Fargo Active Cash® Card Annual fee: $0 | Sign-up bonus: Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. Learn how to apply. A card offering 2% cash back and one of the best 2% cash back cards. All information about the Wells Fargo Active Cash® Card has been collected independently by cardsandpoints.com. |
 Wells Fargo Autograph® Card Annual fee: $0 | Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases within the first 3 months. Learn how to apply. A no-annual-fee points card offering 3x points in a number of useful bonus categories. Points can be redeemed for 1 cent of cash back each. All information about the Wells Fargo Autograph® Card has been collected independently by cardsandpoints.com. |
 Bank of America® Unlimited Cash Rewards credit card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Earns 1.5% cash back on all purchases, but this can be boosted to up to 2.62% with Bank of America Preferred Rewards Platinum Honors status. All information about the Bank of America® Unlimited Cash Rewards credit card has been collected independently by cardsandpoints.com. |
 Bank of America® Customized Cash Rewards credit card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. One of the best cards for online purchases and warehouse purchases like Costco. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com. |
Editor’s picks: The cards we find most useful
All of the bonuses on this list are great easy cash back welcome bonuses. In our recent update to this list, we dropped several cards that require you to jump through additional hoops (like opening an additional checking account) to get cash back value out of the bonus.
On an ongoing basis, the cards we like best are the Chase Freedom Unlimited®, Wells Fargo Active Cash® Card, and Wells Fargo Autograph® Card. Each of these cards offer great ongoing rewards and is generally pretty useful for most people.
Of course, if you have $100,000 of assets you can move to Bank of America to get Preferred Rewards status, then consider the Bank of America cards for ongoing use.
Bottom line: It’s easy to earn a $200+ bonus
With the best easy cash back welcome bonuses, it’s simple to earn a bonus of $200 or more with a new credit card, even if you don’t put much spending on credit cards.
