Credit Card Battles · verified 2026-10-24
The card issuers are fighting for your wallet.
As of 2026-10-24, CashWars lists 13 verified U.S. credit card signup bonuses. The top net value in year one is Chase Ink Business Cash: $750 after spending $6,000 in 3 months (business card). Every bonus is checked against the issuer's own page.
Signup bonuses from Chase, American Express, Capital One, Citi, Bank of America and U.S. Bank, ranked by the net dollars you keep in year one. The spend you'd need to put on the card, and how long you have, are right next to every number.
Champion · net in year one
Chase Ink Business Cash (business)
+$750 after $6,000 spend in 3 months
Contenders
Chase Ink Business Unlimited +$750
Chase Freedom Flex +$250
Bank of America Unlimited Cash Rewards +$250
Use these responsibly. Only go for a bonus with spending you'd do anyway, and pay the balance in full every month: interest charges can wipe out a bonus fast. Don't overspend to hit a requirement. Applying is usually a hard credit pull, which can lower your score for a while, and approval isn't guaranteed. Issuers set their own eligibility rules (for example, no bonus if you've had the card recently). Not financial advice.
| Rank | Card | Net year one | Spend required | Bonus | Annual fee | Source |
|---|---|---|---|---|---|---|
| ★★★ | Chase Ink Business Cash Business card | +$750 | $6,000 within 3 months | $750 cash back Paid as cash back | $0 | See offer at Chase as of 2026-10-24 |
| ▲▲ | Chase Ink Business Unlimited Business card | +$750 | $6,000 within 3 months | $750 cash back Paid as cash back | $0 | See offer at Chase as of 2026-10-24 |
| ▲ | Chase Freedom Flex | +$250 | $500 within 3 months | $250 bonus (cash back) Paid as cash back | $0 | See offer at Chase as of 2026-10-24 |
| #4 | Bank of America Unlimited Cash Rewards | +$250 | $1,000 within 90 days | $250 cash rewards Paid as cash rewards | $0 | See offer at Bank of America as of 2026-10-24 |
| #5 | Bank of America Travel Rewards | +$250 | $1,000 within 90 days | 25,000 points Counted at $250, the issuer's stated value as a statement credit toward travel and dining purchases | $0 | See offer at Bank of America as of 2026-10-24 |
| #6 | American Express Blue Cash Preferred | +$250 | $3,000 within 6 months | $250 cash back (Reward Dollars) Paid as Reward Dollars, redeemable for a statement credit | $0 first year, then $95 | See offer at American Express as of 2026-10-24 |
| #7 | Chase Freedom Unlimited | +$200 | $500 within 3 months | $200 bonus (cash back) Paid as cash back | $0 | See offer at Chase as of 2026-10-24 |
| #8 | Capital One Quicksilver | +$200 | $500 within 3 months | $200 cash bonus Paid as a cash bonus | $0 | See offer at Capital One as of 2026-10-24 |
| #9 | Capital One Savor | +$200 | $500 within 3 months | $200 cash bonus Paid as a cash bonus | $0 | See offer at Capital One as of 2026-10-24 |
| #10 | Bank of America Customized Cash Rewards | +$200 | $1,000 within 90 days | $200 cash rewards Paid as cash rewards | $0 | See offer at Bank of America as of 2026-10-24 |
| #11 | U.S. Bank Cash+ Visa Signature | +$200 | $1,000 within 90 days | $200 rewards bonus Paid as a rewards bonus redeemable as cash back | $0 | See offer at U.S. Bank as of 2026-10-24 |
| #12 | Citi Double Cash | +$200 | $1,500 within 6 months | $200 cash back Paid as cash back | $0 | See offer at Citi as of 2026-10-24 |
| #13 | American Express Blue Cash Everyday | +$200 | $2,000 within 6 months | $200 cash back (Reward Dollars) Paid as Reward Dollars, redeemable for a statement credit | $0 | See offer at American Express as of 2026-10-24 |
How we rank card bonuses: by net dollars kept in year one, which is the bonus's cash value minus the first-year annual fee. Points or miles are counted only at the cash or statement-credit value the issuer itself states; cards whose issuer page doesn't state one are left off rather than guessed. Ongoing rewards, interest and later-year fees aren't counted. Ties go to the smaller spend requirement.
What the issuers say
Chase Ink Business Cash: “Earn $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening.” Source, checked 2026-10-24.
Chase Ink Business Unlimited: “Earn $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening.” Source, checked 2026-10-24.
Chase Freedom Flex: “Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening. (Chase marks this offer 'ending soon'.)” Source, checked 2026-10-24.
Bank of America Unlimited Cash Rewards: “Online $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.” Source, checked 2026-10-24.
Bank of America Travel Rewards: “25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening, which can be redeemed for a $250 statement credit toward travel and dining purchases.” Source, checked 2026-10-24.
American Express Blue Cash Preferred: “Earn $250 Cash Back after you spend $3,000 in purchases on your new Card in the first 6 months of Card Membership. Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.” Source, checked 2026-10-24.
Chase Freedom Unlimited: “Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.” Source, checked 2026-10-24.
Capital One Quicksilver: “Earn $200 as a one-time cash bonus once you spend $500 within 3 months from account opening.” Source, checked 2026-10-24.
Capital One Savor: “Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.” Source, checked 2026-10-24.
Bank of America Customized Cash Rewards: “Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.” Source, checked 2026-10-24.
U.S. Bank Cash+ Visa Signature: “$200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.” Source, checked 2026-10-24.
Citi Double Cash: “Earn $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening.” Source, checked 2026-10-24.
American Express Blue Cash Everyday: “Earn $200 Cash Back after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.” Source, checked 2026-10-24.
Not listed: cards whose bonus is in points or miles without an issuer-stated cash value (for example Chase Sapphire Preferred, Amex Gold, Capital One Venture, Citi Strata Premier, U.S. Bank Altitude Go), Discover's first-year Cashback Match (its value depends on your spending), and offers we couldn't load from the issuer's own page.
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