Rule #1: Don't Get a Credit Card with an Annual Fee

Rule #2: Do check out these Bonused Credit Card Offers (w/out Annual Fees) 

Active Cash

Earn a $200 Bonus when you spend $500 in purchases in the first 3 months using the Active Cash Card by Wells Fargo.

Plus Get

  • Unlimited 2% cash rewards on purchases

 

In the Fine Print: Must spend $500+ within 90 days of opening an account to receive a $200 bonus.

Discover it

How does a free $100 sound? Well, get your new Discover it card and it's yours in addition to up to 5% cash back and a year of matching cash back.

 

In the Fine Print: You need to make a purchase within 3 months of account opening to get the $100 bonus. 5% cash back is in categories that rotate quarterly. Matching cash back is paid at the end of your first year.

earn in

It's not a credit card, but Earn in is an app that provides users with small, fee-free and interest-free loans until payday.

Create a free account today and -for a limited time- get $35 in Cash Out for getting a loan until payday.  There are no credit checks.

You can get $35 in Early Pay bonuses too, if you choose to sign up for their service that deposits your paycheck days before payday.

 

In the Fine Print:  Loans up to $150 per day and up to $1,000 per paydays are indeed absolutely free.  They give you the option to tip which you can choose to decline and will still receive the free loan.  You'll receive the free loans in 1-3 business days or you can choose expedited transfers for a fee of $2.99 each.

If you sign up to receive your paycheck up to two days earlier, there is a $2.99 per paycheck fee. 

Ford Rewards Visa

Here's some of the benefits that the Ford Rewards Visa is the new card offers:

  • Up to 16x Points: 6 points per $1 on Ford.com and Ford Dealership purchases, plus 10 points per $1 as a Ford Rewards member on eligible service and parts
  • 6x Points: Earned on everyday categories including grocery stores (excluding wholesale clubs), restaurants, gas and EV charging stations, auto insurance, tolls, and parking
  • 2x Points: Earned on all other purchases

New Cardholders will also receive two bonuses:

  1. 15,000 Points Bonus after making just one purchase (roughly a $75 redemption value)
  2. $100 Statement Credit after spending $1,500

Freedom Unlimited

Receive a $200 Bonus after spending $500 on purchases in your first 3 months from the Freedom Unlimited credit card by Chase.

Plus Get:

  • 3% on dining at restaurants, including takeout and eligible delivery services
  • 3% on drugstore purchases
  • 5% on travel purchased through Chase Travel
  • 1.5% on all other purchases

 

In the Fine Print: Must spend $500+ within 90 days of opening an account to receive a $200 bonus.

Gemini

Gemini is a Mastercard with that offers up to 4% back in CRYPTO (Bitcoin, Ethereum, and 40+ others) on purchases.

  • 4% on gas/ev (up to $300/month, then 1%)
  • 3% on dining
  • 2% on groceries
  • 1% on everything else

Rewards are deposited instantly, and the card features no foreign transaction fees.

Get a $50 Bonus in crypto when you sign up!

Quicksilver

Looking for a good 0% Balance Transfer offer? Well, look no further because this Quicksilver card has a 0% intro APR for 15 months and 1.5% cash back on every purchase.

 

In the Fine Print: There's a 3% fee on transfers within the first 15 months.

Rakuten Card

Get a $100 Bonus when you spend $1,000 within the first 90 days of receiving your Rakuten Card.

Other Benefits Include

  • An extra 4% cash back on qualifying purchases made through the Rakuten platform (both online and in-store)
  • 10% cash back on eligible purchases at Rakuten Dining partner restaurants
  • 2% cash back on eligible grocery store and restaurant purchases
  • 1% cash back on other purchases

 

In the Fine Print: Must spend $1,000+ within 90 days of opening an account to receive a $100 bonus.

Union Plus

Hey, fellow union brothers and sisters! The Union Plus card offers 0% intro APR for 12 months and 1.5% cash back on every purchase.

 

In the Fine Print: There's a 3% fee on transfers within the first 12 months. 1.5% cash back is exclusively available if approved for the Union Plus 'Cash Rewards' Card.

Upromise

Upromise grew from being a grocery coupon company to also offering shopping and dining discounts, surveys, and more. Upromise even has their own credit card with an offer to 'get $100 back after spending $500 in the first 90 days'. They also have other offers like 'open a bank account and get $230'.

 

In the Fine Print: Must spend $500+ within 90 days of opening an account to receive a $100 bonus.

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