Credit card sign-up bonuses: Everything you need to know

Getting approved for a credit card can be a rewarding experience, especially when the card offers a sign-up bonus. 

These bonuses offer the opportunity to earn extra rewards for using the card. But there’s a little more to it than just applying for a credit card.

What you’ll learn:

• A credit card sign-up bonus offers a one-time reward. 

• Sign-up bonuses are sometimes called welcome bonuses or early-spend bonuses.

• To earn a sign-up bonus, new cardholders typically must use the card to spend a certain amount of money within a specific time frame.

• Depending on the card issuer, bonuses could take the form of miles, cash back or other credits.

Sign-up bonuses are different from regular, ongoing credit card rewards. A sign-up bonus is a one-time reward offered to new cardholders. To earn this bonus, cardholders usually have to meet specific requirements, like spending a certain amount on the card within a set time frame.

Here’s a look at some Capital One credit card bonuses for new cardholders—plus a glimpse at regular rewards:

Requirements for sign-up bonuses vary by issuer. But usually a cardholder must spend a certain amount of money on the card within a designated time frame to earn the sign-up bonus. Things like balance transfers, cash advances and wire transfers typically don’t count as purchases. Be sure to check the details of the card’s bonus offer.

The time it takes to receive a sign-up bonus depends on the issuer and the card. For qualifying Capital One cardholders, bonuses are applied to rewards balances within two billing cycles.

Here are some tips to help you narrow down your search for a credit card and make the most of a bonus opportunity.

When looking for a new rewards card, it helps to think about the type of rewards you want. For instance, it might make sense for someone who enjoys travel to pick a card that lets new cardholders earn bonus miles. But someone who doesn’t fly frequently might consider a card that offers a cash back bonus instead.

Some credit cards limit the amount of rewards someone can receive. If you find that limitations on earning rewards isn’t ideal, consider a card that offers ongoing unlimited rewards.

With Capital One, there’s no limit to how much you can earn. And your rewards won’t expire for the life of the account.

Credit card sign-up bonuses can be a great benefit, and your spending habits can help determine whether they’re worth your while. For example, comparing an annual fee with potential perks can help you decide whether the fee is worth it.

Still looking for information about sign-up bonuses? These frequently asked questions might help.

To earn a sign-up bonus, a cardholder typically must use the new card to spend a certain amount within a set period of time. But it’s still important to use the card responsibly.

Whether you’re a globe-trotting adventurer, an avid foodie or someone who wants to earn cash back on everyday purchases, Capital One has a rewards card to fit your lifestyle.

• See if you’re pre-approved for credit cards without harming your credit scores. 

• Explore travel rewards cards with unlimited miles you can actually use. 

• Earn unlimited 1.5% cash back on every purchase, every day, with a cash back rewards card. 

• Earn unlimited cash back on food and fun with a dining and entertainment rewards card.