Sorted by starting price
8 Cheapest Credit Card Sign-Up Bonuses of 2026
By the Rankozo research desk · Updated November 10, 2026
Among the 10 tools in our best credit card sign-up bonuses ranking, Capital One Venture Rewards has the lowest verified paid starting price at $95 annual fee. Prices below are quoted from each vendor's US pricing page.
- 01
Capital One Venture RewardsPeople who want the largest welcome package on a $95 card with a spending target most households can reach.
$95 annual fee
Full entry, No. 1 overallStarts at
$95
Score 9.0
- 02
Chase Ink Business PreferredBusiness owners and freelancers whose company spending can clear an $8,000 target in 3 months.
$95 annual fee
Full entry, No. 2 overallStarts at
$95
Score 8.8
- 03Chase Sapphire Preferred
Personal card applicants who want Chase points and can spend $5,000 in 3 months.
$95 annual fee
Full entry, No. 3 overallStarts at
$95
Score 8.7
- 04Marriott Bonvoy Boundless
Marriott guests who can apply this week and spend $3,000 in 3 months.
$95 annual fee
Full entry, No. 4 overallStarts at
$95
Score 8.5
- 05
Citi Strata Premier CardPeople who want transferable points with a $4,000 spend target and broad 3X categories.
$95 annual fee
Full entry, No. 5 overallStarts at
$95
Score 8.4
- 06United Explorer Card
United flyers who want a large miles bonus without paying a fee in year one.
$0 intro annual fee, then $150
Full entry, No. 8 overallStarts at
$150
Score 8.1
- 07Capital One Venture X
Travelers who want a premium card bonus and will use the $300 travel credit every year.
$395 annual fee
Full entry, No. 6 overallStarts at
$395
Score 8.3
- 08Chase Sapphire Reserve
Frequent travelers who will use lounges and credits enough to justify a $795 fee.
$795 annual fee
Full entry, No. 10 overallStarts at
$795
Score 7.9
Scores and prices come from our Best Credit Card Sign-Up Bonuses ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com