Best Credit Card Promotions

The best Capital One credit card promotions are $0 foreign transaction fees on all cards and the Capital One Venture Rewards Credit Card's 60,000 miles for spending $3,000 in the first 3 months. Plus, this card offers 5 miles per $1 spent on Capital One Travel. And it gives 2 miles per $1 on all other purchases.

This card is a bit expensive though. It costs $95 per year after the first. Luckily, there's another Capital One credit card promotion for travelers who don't want to pay an annual fee. You get 20,000 miles for spending $500 in the first 3 months with the Capital One VentureOne Rewards Credit Card.

Capital One has more than just travel card promotions. The Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back for spending $500 in the first 3 months. Plus, it gives 0% intro APR for 15 months on purchases. And the Capital One® Spark® Cash for Business offers a $500 bonus for spending $4,500 in the first 3 months.

But the best Capital One credit card promotion is the fact that they offer credit cards to people with all credit scores. Everyone with bad to excellent credit, from students to small business owners, can find a card for them.

Here are the best Capital One credit card promotions:

• 60,000 miles for spending $3,000 in the first 3 months: Capital One Venture
• 50,000 miles for spending $4,500 in the first 3 months: Capital One® Spark® Miles for Business
• 20,000 miles for spending $500 in the first 3 months: Capital One VentureOne Rewards Credit Card
• 20,000 miles for spending $3,000 in the first 3 months: Capital One® Spark® Miles Select for Business
• $500 cash back when you spend $4,500 in the first 3 months: Capital One Spark Cash
• $500 cash back when you spend $4,500 in the first 3 months: Capital One Spark Cash Select - $500 Cash Bonus
• $200 cash back when you spend $500 in the first 3 months: Capital One Quicksilver
• $300 cash back when you spend $3,000 in the first 3 months: Capital One® Savor® Cash Rewards Credit Card
• 0% intro APR on purchases 15 months: Capital One Quicksilver
• 0% intro APR on purchases for 12 months: Capital One VentureOne Rewards Credit Card
• 0% APR on purchases for 9 months: Spark Miles Select Card
• 0% APR on purchases for 12 months: Capital One Spark Cash Select - 0% Intro APR for 12 Months
• No foreign transaction fee: All Capital One cards
• Pick your own monthly due date: Journey Student Rewards from Capital One

There are also some great Capital One credit card deals that are more permanent than promotional. For example, Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases. People with limited can get it. The Capital One Platinum Credit Card is a $0 annual fee starter card. And the Capital One Platinum Secured Credit Card might give you a credit line that's bigger than your security deposit.

The best Chase credit card promotion is the Chase Sapphire Preferred® Card's initial bonus of 100,000 points for spending $4,000 in the first 3 months. Chase Sapphire Preferred points are worth 1.25 cents each when redeemed for travel, so this promotion is worth up to $1,250.

Best Chase Credit Card Promotions Right Now

One of the best Bank of America credit card promotions is a 50,000 points initial bonus from Bank of America® Premium Rewards® credit card. The best Bank of America credit card promotion for cash back is $200 for spending $1,000 in the first 90 days with Bank of America® Customized Cash Rewards credit card. It also has a $0 annual fee and gives intro APRs of 0% for 15 billing cycles on purchases and 0% for 15 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 13.99% - 23.99% Variable. The balance transfer fee is 3% (min $10).

If you're looking for a Bank of America credit card promotion for financing, the BankAmericard® credit card will give you 0% intro APR on purchases for 18 billing cycles and balance transfers for 18 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 12.99% - 22.99% Variable. There are a few more cards worth your attention, too.

Here are the Bank of America credit card promotions:

• 50,000 points for spending $3,000 in the first 90 days: Bank of America Premium Rewards credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America Cash Rewards credit card
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards credit card
• 0% intro APR on purchases for 18 billing cycles and balance transfers for 18 billing cycles for any balance transfers made in the first 60 days (3% (min $5) balance transfer fee): BankAmericard credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America® Customized Cash Rewards Credit Card for Students
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards Credit Card for Students

You'll need to have excellent credit or be a college student to get one of these Bank of America credit card promotions. The cards also come with more than just their sign-up perks. They offer rewards on all purchases, for one thing.

For example, the Bank of America Premium Rewards credit card gives 2 points / $1 on travel, and the Bank of America Cash Rewards credit card gives 3% cash back in the category of your choice and 2% on groceries and wholesale clubs (up to $2,500 spent per quarter in those categories combined). And most cards give you even more rewards when you have a Bank of America checking or savings account.

If you have bad credit, there's still a BofA card for you. You can get the Bank of America® Customized Cash Rewards Secured Credit Card, which has a $0 annual fee. You make a security deposit of $300 and receive a credit line equal to that amount.

The best Citibank credit card promotion is an initial bonus of 80,000 points from the Citi Premier® Card. To get this Citibank credit card promotion, cardholders must spend $4,000 in the first 3 months. There are a few other prominent Citibank credit card promotions to take advantage of as well.

Citibank Credit Card Promotions for October 2021

• Citi Premier® Card: 80,000 points for spending $4,000 in the first 3 months
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 50,000 miles for spending $2,500 in the first 3 months
• Citi Rewards+® Card: 20,000 points for spending $1,500 in the first 3 months
• Citi® Double Cash Card – 18 month BT offer: an introductory APR of 0% for 18 months on balance transfers
• Citi Simplicity® Card: an introductory APR of 0% for 18 months on purchases

Credit card promotions change often, so if you see something you're particularly interested in, you should consider applying for the card in question while the offer is still available. And ideally, the card will continue to be worthwhile even after its limited-time promotions end.

Current Discover card promotions include a dollar-for-dollar rewards match at the end of the first year, up to 5% cash back on purchases, 0% APRs for up to 18 months and even $20 for good grades on student credit cards. None of Discover's credit cards charge annual fees or foreign transaction fees, either.

There are plenty of other perks, too, such as free credit scores. And together, all these Discover card promotions form a portfolio that can meet any cardholder's financial needs.

Here are the latest Discover Card promotions:

• Double rewards the first year: Available on all Discover cards. Discover will match all the cash back you've earned (or miles on the Discover it Miles card) at the end of the first year. Offer only for new customers.
• 5% cash back: The Discover it Cash Back and Discover it chrome cards offer 5% cash back on the first $1,500 you spend each quarter in rotating bonus categories. You must activate the bonus each quarter by clicking “Activate Now” and logging in to your Discover account. You also receive unlimited 1% cash back on all other purchases.
• No annual fees or foreign transaction fees: Discover cards do not charge annual fees or foreign transaction fees. There are no penalty APRs for late payments, and Discover waives the fee for your first late payment. You could be charged up to $37 for subsequent late payments. There's a 5% fee for cash advances (minimum $10) and a 3% balance transfer fee.
• 18-month balance transfer offer: Available only on the Discover it Balance Transfer card, which charges a 3% balance transfer fee and gives 0% for 6 months on purchases. Other Discover cards offer shorter balance transfer periods, ranging from 6-14 months of reduced or 0% interest.
• 14-month 0% purchase intro APR: Available on the Discover it Cash Back, Discover it chrome, Discover it Miles and NHL Discover it cards. Discover it Student Cash Back and Student chrome offer 0% for 6 months on purchases.
• $20 per year for good grades: Discover it Student Cash Back and Discover it Student chrome give you a $20 statement credit for each school year that your GPA is 3.0 or higher, for up to five years. You just have to log into your Discover account and enter your GPA. Discover may request documentation.

As you can see, there's a lot to like about Discover card promotions. The one thing you won't see on any current Discover cards, though, is an initial bonus for spending a certain amount after you get the card. But Discover makes up for that by matching the first year's rewards on all their cards.

There used to be another Discover card promotion called “Discover Deals,” where you could get extra discounts or bonus points for shopping with over 200 retailers in Discover's online mall. Unfortunately, that program ended on October 31, 2018.

Plenty of credit cards give bonus cash back rewards in certain purchase categories. Cardholders may receive extra value on gas, groceries, dining, entertainment, wholesale clubs and more. Other cards have bonus categories that change every quarter and may require activation, giving you the chance to earn big on different types of purchases every few months.

Best Credit Cards with Cash Back Bonus Rewards

Lots of credit cards with cash back bonus rewards on purchases also offer an initial cash rewards bonus for spending a certain amount in the first few months. Plus, it's good to remember that many credit cards without cash back bonus rates still give a solid cash back rate on all purchases.

One of the best Home Depot credit card promotions is $100 off a single-receipt purchase of $1,000 or more in your first 30 days with the Home Depot Consumer Credit Card. You'll also receive 0% deferred interest for 6 months on purchases of at least $299. If you pay the purchases off by the end of the intro period, you pay no interest. Otherwise, you owe all the interest you would have paid, at an APR of 17.99% - 26.99%.

If you're a business owner, the best Home Depot credit card offer is 60 days of no interest on all purchases with the Home Depot Commercial Revolving Charge Card or the Commercial Account, which is basically a 2-month free loan. You still have to make minimum monthly payments during the 60-day zero interest period, though. With either Home Depot Commercial card, you'll also save $100 on your first qualifying purchase of $1,000 or more within 30 days of having the card. On top of that, you get a 1-year return period for your purchases.

The last type of Home Depot offer doesn't come from a credit card. It's Home Depot's Project Loan, which offers up to $55,000 with a fixed APR and payoff period that depends on your creditworthiness. The deal gives you 6 months to make purchases for your project. Then, you have anywhere from 66 to 114 months to pay it off, with an APR from 7.42% to 19.96%.

Current Home Depot credit card promotions:

• $25-$100 discount on a purchase of $25-$1,000+ in first 30 days: Home Depot Consumer Credit Card, Home Depot Commercial Credit Cards
• 0% deferred interest for 6 months on purchases of $299 or more: Home Depot Consumer Credit Card
• 7.42%-19.96% APR for 66-114 months: Home Depot Project Loan
• No annual fee: All Home Depot credit cards
• No interest for 60 days on all purchases: Home Depot Commercial Credit Cards
• 1 year to return purchases: Home Depot Commercial Credit Cards
• Free Home Depot Pro Xtra membership: Home Depot Commercial Credit Cards
• 0% deferred interest for 24 months on RainSoft or EcoWater Installed Water Treatment purchases of $600 or more: Home Depot Consumer Credit Card

If you go for the consumer card, you should definitely be wary of the deferred interest offer. It may seem great at first, but if you're not able to pay your full balance, you'll owe a mountain of interest. If you're looking to finance, consider a 0% APR credit card not associated with a particular retailer.

Here are 5 great credit cards with $500+ bonuses:

Just bear in mind that you will need to do a little more than simply sign up to get a $500+ bonus from these cards. You will also need to meet an initial spending requirement to qualify. It is also worth noting that some of these bonuses come in the form of points or miles, but their cash value would be worth $500+.

You can get a $300 credit card bonus by spending $3,000 in the first 3 months with the Capital One® Savor® Cash Rewards Credit Card.

If you're after a card for your business needs, the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card both raise the bar with a $750 initial bonus offer for spending $7,500 within the first 3 months of opening your accounts.

In lieu of other cash back bonuses worth at least $300, you could also consider points and miles for bonus currencies. Their redemption value will vary based on different spending categories, but there are some that could get you at least $300 worth of bonuses. The Capital One Venture Rewards Credit Card, for instance, offers 60,000 miles for spending $3,000 in the first 3 months (worth at least $600 in travel). And the The Platinum Card® from American Express gives you 100,000 bonus points for spending $6,000 within the first 6 months. That's worth $700+ depending on how you redeem.

Alternatively, you could go for the Chase Sapphire Reserve® which offers a $300 Annual Travel Credit as reimbursement for travel purchases on each account anniversary. And that's in addition to its initial bonus of 60,000 points (worth up to $900 when you redeem for travel through Chase Ultimate Rewards) awarded for spending $4,000 in the first 3 months.

Here are some of the best $300+ Credit Card Bonus Offers

• Capital One Savor: $300 statement credit after spending $3,000 in 3 months; $95 annual fee.
• Chase Sapphire Reserve: $300 Annual Travel Credit as reimbursement for travel purchases on each account anniversary. Initial bonus of 60,000 points (worth up to $900 when you redeem for travel through Chase Ultimate Rewards or $600 in statement credit) for spending $4,000 in the first 3 months. $550 annual fee.
• Ink Cash: $750 initial bonus for spending $7,500 within the first 3 months. $0 annual fee.
• Chase Ink Business Unlimited: $750 initial bonus for spending $7,500 within the first 3 months. $0 annual fee.
• Capital One Venture: 60,000 miles for spending $3,000 in the first 3 months. $95 annual fee.
• American Express Platinum card: 100,000 bonus points (worth $700+, depending on how you redeem) for spending $6,000 within the first 6 months. $695 annual fee.

Overall, these credit card bonuses are all worth at least $300 if you meet their spending requirements, and all can be redeemed for cash, as a statement credit. All these cards, but the ones aimed at small businesses have annual fees, but their bonuses coupled with additional earnings for your spending will cover their costs as long as you find a card that rewards you best in your largest spending categories. If you don't want to keep tabs on your spending, the Capital One Savor will be best for general cash back rewards. For frequent travelers, the Capital One Venture and Chase Sapphire Reserve will provide great value.

Current Lowe's credit card promotions include 5% off all Lowe's purchases and 6 months of 0% deferred interest on purchases of $299 or more. The Lowe's Store Card gives you a choice between the two.

There are also Lowe's Business Credit Card promotions. You get $100 cash back upon approval.

Occasionally, Lowe's also runs limited-time credit card promotions for all cardholders. Lowe's Store Card can only be used at Lowe's. But the business card can be used anywhere American Express is accepted.

Here are the Lowe's credit card promotions:

• 5% off all Lowe's purchases: Both Lowe's credit cards
• 0% to 7.99% for 6 to 84 months deferred interest, depending on the purchase: Lowe's Store Card. Can get this or 5% off purchases. 26.99% regular APR.
• $100 cash back upon approval: Lowe's Business Credit Card
• Special temporary discounts: Both Lowe's credit cards. A recent example is 20% off your purchase when you open and use your card (up to $100 discount) with Lowe's Store Card.

The Lowe's Business Credit Card offers some great rewards, too; 1 - 2 points per $1 spent, depending on the type of purchase. Plus, the card comes with purchase protection, car rental loss and damage insurance, extended warranty coverage, and special discounts with LowesForPros.

As far as the personal card goes, you should probably pick 5% off Lowe's purchases out of the two promotions. Deferred interest really isn't worthwhile. You'd get no interest if you pay in full within 6 months. But if you don't, you'd owe all 6 months' worth of interest at 26.99%. If you need to finance, you're better off getting a card that really gives you 0% interest and only charges interest on the balance that's left after the intro period ends. For example, you could try the Citi Simplicity® Card.