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Credit Card Sign up Bonuses – Free Money!

by Ryan Guina

credit card cash bonuses make me happy!Many credit card companies offer great sign-up bonuses that almost anyone can use to their advantage. Even some of our featured rewards credit cards come with a sign up bonus. Here are a few offers that can put money in your pocket. Just be sure to pay your card off every month to avoid fees!

Look for additional credit card offers. Part of your criteria for credit card offers should be more than just the sign up bonus. Be sure to look for a balance transfer credit card, 0% interest credit card, or a cash rewards credit card to ensure this will be a credit card worth using long after you get your sign up bonus.

Anyone can sign up! Some of these cards are business cards, but anyone can open a business credit card by signing up as a sole proprietorship without filling out any additional forms. Just use your social security number as your business ID.

Credit Card Sign Up Bonuses

American Express® Premier Rewards Gold CardAmerican Express® Premier Rewards Gold Card – Current Offer:  Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 within one calendar year. Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply. Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands. For more information, visit the American Express® Premier Rewards Gold Card website.

Notes about credit card sign up bonuses:

Avoid Annual Fees! You’ll notice that several of these cards state the first year’s fees are waived. You can take advantage of these referral bonuses by signing up, making a purchase to get your reward, and canceling the card before you pay any fees! (generally there are no fees for the first year; just don’t forget to cancel!)

Earn additional bonus points. This works for American Express, but it may not work for all credit card companies. You can have all your bonus points directed to one account. I have an American Express Business Gold Rewards Card. The only other American Express card I have is my corporate card from my day job. Your mileage may vary, but when I contacted American Express, the CSR offered to direct any points earned from that card to my American Express business card, free of charge! Sign me up! (no word on whether or not my company has a problem with that… Hmmm, I better ask!).

My personal experiences with these cards: I currently use the Chase Freedom® Visa – $100 Bonus Cash Back for my personal needs, because it offers great cash back benefits (Chase Freedom® review).  For my small business I have an American Express Business Gold Rewards Card and a Discover Business Card, both of which meet my needs perfectly.

Note: These offers were current at the time of publication, and they are updated frequently. However, many of these are limited time offers and are subject to change. So act quickly!

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.


Published or updated September 3, 2014.
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1 hcb

Nice ideas — but every time you apply for a card there’s an impact on the credit rating, no?

2 Ryan

hcb, Great question. Yes, there can be an impact on your credit score from applying to too many credit cards. However, it is not usually permanent if you manage your card well and do not run up a lot of revolving debt. If you are not planning on applying for a major loan anytime soon, then applying for one, or a couple of these cards won’t be a problem. If you are planning on applying for a major loan soon (mortgage, auto loan, etc.) then you might want to wait.

I also wouldn’t recommend applying for all of these cards. I would start with the one that works best for your situation, then maybe add another if you want another bonus. Be sure to only apply for what you believe is best for your situation! :)

3 Marwan

can not link your corporate card to your own personal MR program. you are only an authorized user on the corporate card, and even if your employer gave you authorization to redeem corporate rewards, you won’t be able to link both MR programs. don’t know how they actually did that for you. my only assumption is that your employer never enrolled in the MR program to begin with and when you called, they enrolled the card and linked it to your personal gold card. I however find it hard to beleive that a corporation would actually pass on enrolling in the coolest feature of the card.

4 Ryan

Marwan, they offered to do it, but I actually didn’t take them up on the offer. I rarely use my Corporate card, so I wouldn’t get many points, but I’m also not sure how my company would respond to it. I’m only reporting what the customer service rep told me. It does seem strange that they would allow that! As for my company passing on the coolest feature on the card… I’ll leave that one alone! ;)

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