What if your next grocery run earned you a $200 bonus?

These credit cards offer instant or easy-to-earn welcome offers just for doing what you already do — using your card for everyday purchases.

As someone who’s reviewed hundreds of cards, I can tell you: most people miss out on these fast wins.

Here are three of the easiest credit card bonuses worth grabbing right now.

1. Bank of America® Travel Rewards credit card: Easy-to-earn welcome offer with simple rewards

The Bank of America® Travel Rewards credit card is one of the simplest ways to earn travel rewards without any complicated point systems.

The welcome offer: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.

Other card highlights:

  • $0 annual fee
  • Earn 1.5 points per $1 spent on all purchases
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center
  • No foreign transaction fees

This card is perfect for low-key travelers who want simple rewards. You’ll earn points on every purchase, and the easy $250 welcome offer can cover part of your next trip.

Pro tip: If you’re a Preferred Rewards member with Bank of America, you can boost your points earnings by 25% to 75% — making this card even more valuable over time.

2. Chase Freedom Unlimited®: Sneaky good intro perks

The Chase Freedom Unlimited® (see rates and fees) is often viewed as a long-term cash back card — but most folks don’t realize it also comes with a solid intro APR offer and a straightforward welcome bonus.

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Other highlights:

  • $0 annual fee.
  • Cash back: Earn 5% on travel purchased through Chase Travel, 3% on drugstores, restaurants, takeout, and eligible food delivery, and 1.5% on all other purchases.
  • Intro APR: Enjoy 0% Intro APR for 15 months on purchases and 15 months on balance transfers, then a 18.99% – 28.49% Variable APR applies.

And that $500 spending requirement to earn the welcome bonus can easily be hit with everyday expenses like groceries or gas.

I’ve personally used this card as a go-to daily driver — the rewards rack up fast without needing to track categories or switch cards for every purchase.

This one’s for all my fellow Amazon addicts.

The Prime Visa (see rates and fees) is offering one of the easiest welcome perks around: Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members. There’s no need to spend a certain amount or wait for a future billing cycle. Once approved, the gift card hits your Amazon account immediately.

Here’s what else makes the card a no-brainer if you’re already a Prime member:

  • 5% cash rewards at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • 2% cash rewards at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • 1% cash rewards on all other purchases
  • $0 annual fee (with Prime membership)

I got this card earlier this year and pretty much only use it for Amazon purchases. That 5% back category adds up — and the instant gift card was a nice surprise.

Just remember: You’ll need an active Amazon Prime membership to qualify and receive the $150 Amazon gift card upon approval.

Quick wins that actually pay off

If you’re still swiping a sub-par rewards card, it might be time for an upgrade.

These three cards offer easy welcome offers to get the rewards flowing — and if you pick one that matches your spending style, you’ll keep earning all year long.

No stress, no annual fees, just smarter rewards.

Explore all the top sign-up bonuses in October 2025 for more options.

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