WalletHub
wallethub.com › popular credit card questions
Free Credit Cards with Money (2025)
November 12, 2025 - One of the best free credit cards with money as a bonus for signing up is the Wells Fargo Active Cash® Card, which gives you a $200 cash rewards bonus after spending $500 on purchases in the first 3 months.
WalletHub
wallethub.com › popular credit card questions
Credit Cards That Give You Money for Signing Up
3 weeks ago - ... The best credit card for free reward money is the American Airlines AAdvantage® Aviator® Red Credit Card because it offers an initial bonus of 50,000 miles for making a purchase within 90 days of opening an account and paying the annual fee.
What credit card bonuses are the easiest to get?
A variety of cards with sign-up bonuses require minimal effort to qualify. On average, no-annual-fee cash back credit cards tend to offer the lowest spending requirement for a welcome bonus. Some require only $500 to $1,000 in spending to earn a decent bonus (typically a $200 value). There are a few credit card offers (mainly with no-annual-fee cash back cards as well) that temporarily increase your rewards rate or match the rewards you earn in a certain time frame, which easily fit within your regular spending. A few co-branded cards and other less traditional cards may provide bonuses upon a
bankrate.com
bankrate.com › global › credit cards › advertiser disclosure category pages
Best credit card bonuses for December 2025 | Bankrate
Are credit card sign-up bonuses tax deductible?
No, credit card sign-up bonuses are not tax deductible. In general, your sign-up bonus is not taxable if you have to spend money to earn it. However, the bonus could be considered taxable income if there isn’t a defined spending requirement.
bankrate.com
bankrate.com › global › credit cards › advertiser disclosure category pages
Best credit card bonuses for December 2025 | Bankrate
When will the bonus rewards show up in my account?
Your welcome bonus rewards typically post to your account after the close of the billing cycle where you met the minimum spending. If you meet your spending requirement on the 5th day of the month and your statement closes on the 25th day of the month, you most likely won't receive your rewards until after the 25th.
cnbc.com
cnbc.com › cnbc select › credit cards › 6 valuable credit card welcome bonuses ending soon: earn $1,000+ in travel with the top offers
6 valuable credit card welcome bonuses ending soon: Earn $1,000+ ...
Videos
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How to Get a FREE USD Virtual Credit Card - YouTube
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How to get cash back on your credit card (Free money?) - YouTube
Chase Credit Cards
creditcards.chase.com › cash-back-credit-cards › freedom › unlimited
Chase Freedom Unlimited Credit Card | Chase.com
You won't have to pay an annual fee†Opens pricing and terms in new window for all the great features that come with your Freedom Unlimited® card. Cash Back rewards do not expire as long as your account is open.*Opens offer details overlay And there is no minimum to redeem for cash back.
Best Free Credit Cards to keep
BoA Custom Cash Rewards isn't bad even without the shenanigans. 6% first year on anything you buy online, 3% permanently after. Reasonable cap of 2500/quarter. The online shopping category covers pretty much any normal online purchase except select categories like tax and insurance. More on reddit.com
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October 19, 2025A credit card which has 0$ you can always use for subscription service’s free trials
Use an empty visa gift card, it’s just that
More on reddit.com 159
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March 1, 2020Do credit cards basically give you free money as long as you replace the amount of money you spent by a certain time? (If not, please explain as simply as possible)
Do credit cards basically give you free money as long as you replace the amount of money you spent by a certain time? This is a different way to word it, but yes, this is correct. Also, do you get your paycheck deposited to a debit card or a credit card? You get your paycheck deposited to a bank account. If the bank account is the one to which your debit card is connected, then you spend your paycheck via your debit card. If you use a credit card, you transfer funds to pay off the credit card. There are several different ways to handle this transfer. Also also, is the act of signing up for a credit card free? I have never heard of paying to sign up for a credit card. There are credit cards with annual fees, but you do not need to pay to actually apply. Also also also, what happens if you've never had credit? How do they determine your eligibility? They determine your eligibility by pulling a report from the credit bureaus. There are 3 main ones: Experian, Equifax, and TransUnion. If you have never had a credit card, auto loan, mortgage, postpaid cell phone contract, or any other kind of credit, they probably have no data on you. This means that a credit card issuer will probably not give you a regular credit card. One option to get a credit card with no credit history, and probably the best option in most cases, is to get a secured credit card. Basically, you put down a security deposit, and the credit card issuer gives you a credit card with a spending limit up to the amount of that security deposit. The intent is that you treat the credit card as a standard credit card. You use the card, and make the payments. You do not use your security deposit. That is there as an "insurance" for the credit card issuer, in order to reduce their liability to zero. Generally, after some time of good performance, the issuer will switch your card to a regular card and refund your security deposit. More on reddit.com
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May 16, 2021Hey. I need a credit card, that allows you instant access to it, like a virtual card. I’d like to be able to use it instantly, I have to pay $100 more, to get my security license
Most major banks support “instant use” upon approval through a digital wallet. The key part of your question is “which you can get” about which you have provided no information so no one can suggest anything specific to you. More on reddit.com
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November 29, 2023Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › categories › no-annual-fee.html
No Annual Fee Credit Cards - Mastercard
Help build your credit through responsible use of a card like this · Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges · Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Reddit
reddit.com › r/creditcards › best free credit cards to keep
r/CreditCards on Reddit: Best Free Credit Cards to keep
October 19, 2025 -
I'm done with the churning game, it was fun and I liked chasing rewards. But, I think I grew past that now and I think its worth the simplicity of a few cards and I don't have to stress about chasing rewards etc anymore. In the long run, the peace of mind from simplicity beats any extra rewards. I'm getting good at using the right card at the right place. Once in 4 years, I might still apply for Chase Sapphire, and downgrade it. Me and spouse are on different cycles ;)
Here is my list, I'm open to new cards or replacing with higher value if there are suggestions.
Citi Double Cash: This is my catch-all. 2% on everything
Chase Freedom: Rental insurance (I don't care that much about revolving/rotating)
Altitute Go: DineIn, Restaurants, 3% upto $2k/quarter. This used to be better.
Citi Custom Cash: My default for Grocery, 5% upto %500 monthly.
Cap one venture: Free Intl transaction, Virtual credit cards.
If I were to do this again, I would probably get rid of venture one, double cash and chase freedom and just get Fidelity (but lose out on virtual cards). I just happen to have these already. I'd end up with just:
Altitute Go: DineIn, Restaurants, 4% upto $2k/quarter. This used to be better.
Citi Custom Cash: My default for Grocery, 5% upto %500 monthly.
Fidelity: 2% catch all, rental and free Int'l transactions.
Top answer 1 of 5
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BoA Custom Cash Rewards isn't bad even without the shenanigans. 6% first year on anything you buy online, 3% permanently after. Reasonable cap of 2500/quarter. The online shopping category covers pretty much any normal online purchase except select categories like tax and insurance.
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If you value simplicity and have $100K to park in stocks, the Bank of America ecosystem is hard to beat with some free and 1 free-ish card: Premium Rewards: $95 AF but you get $100/yr airline incidentals (which can also be used for UA/AA credit) 3.5% back on travel and dining - BoA travel category is extremely broad too 2.625% back on everything else $100 for Global Entry every 4 years no FTF Customized Cash Rewards 5.25% back on up to $2500/calendar quarter for a 3% category of choice (online shopping is a great flexible option) extra 3% on top of ^ for your first year 3.5% back at grocery stores and wholesale clubs (though this also counts towards the $2500/quarter cap) can have multiple copies for different categories yes FTF but if you first open a no-FTF card (like Travel Rewards) and then product change, then that card will be no-FTF The US Bank Altitude Connect is another great free card. Also gives $100 Global Entry credit, as well as 4 Priority Pass lounge/restaurant visits per year, 4x on some travel categories and gas, no FTF, and free eSIM plans.
Photonpay
photonpay.com › hk › blog › article › free-virtual-credit-card
Free Virtual Credit Cards: A Comprehensive Guide
Their free virtual credit card offers instant issuance of multi-currency cards through the Mastercard and Discover Global Network, supporting both online and offline transactions. With features like customizable spending limits and automated reconciliation, PhotonPay addresses the needs of users seeking a free virtual credit card with money no deposit or global payment solutions.
Reddit
reddit.com › r/crazyideas › a credit card which has 0$ you can always use for subscription service’s free trials
r/CrazyIdeas on Reddit: A credit card which has 0$ you can always use for subscription service’s free trials
March 1, 2020 - The point is you're not spending that money on the thing, you could probably go withdraw the money right back from the card and not have actually spent anything, with the brief use of $5 you can have a card you can use for any number of free trials from anywhere.
American Express
americanexpress.com › us › credit-cards › category › no-annual-fee
No Annual Fee Credit Cards | American Express
Explore American Express No Annual Fee Cards. Enjoy the benefits of American Express Membership with no annual fee. Apply today. Terms apply.
CNBC
cnbc.com › cnbc select › credit cards › 6 valuable credit card welcome bonuses ending soon: earn $1,000+ in travel with the top offers
6 valuable credit card welcome bonuses ending soon: Earn $1,000+ in travel with the top offers
April 22, 2025 - Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date. ... Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. ... EmpowerGet free ...
Bankrate
bankrate.com › global › credit cards › advertiser disclosure category pages
Best credit card bonuses for December 2025 | Bankrate
1 week ago - Ink Business Unlimited® Credit Card: Best business cash back bonus · Chase Freedom Flex℠: Best for cash bonus + category variety · You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Reddit
reddit.com › r/creditcards › do credit cards basically give you free money as long as you replace the amount of money you spent by a certain time? (if not, please explain as simply as possible)
Do credit cards basically give you free money as long ...
May 16, 2021 -
(19f) My parents never taught me how to live no matter how much I asked, so here I am...on the internet...on Reddit....I'm desperate for help. I have my first REAL ADULT PAYING JOB and I need help figuring out how to adult.
Also, do you get your paycheck deposited to a debit card or a credit card? I already have a debit card.
Also also, is the act of signing up for a credit card free?
Also also also, what happens if you've never had credit? How do they determine your eligibility?
Edit:
Also (X4) what banks offer discover and capital one secured cards? Or are Discover and capital one the names of the banks :?
Top answer 1 of 5
15
Do credit cards basically give you free money as long as you replace the amount of money you spent by a certain time? This is a different way to word it, but yes, this is correct. Also, do you get your paycheck deposited to a debit card or a credit card? You get your paycheck deposited to a bank account. If the bank account is the one to which your debit card is connected, then you spend your paycheck via your debit card. If you use a credit card, you transfer funds to pay off the credit card. There are several different ways to handle this transfer. Also also, is the act of signing up for a credit card free? I have never heard of paying to sign up for a credit card. There are credit cards with annual fees, but you do not need to pay to actually apply. Also also also, what happens if you've never had credit? How do they determine your eligibility? They determine your eligibility by pulling a report from the credit bureaus. There are 3 main ones: Experian, Equifax, and TransUnion. If you have never had a credit card, auto loan, mortgage, postpaid cell phone contract, or any other kind of credit, they probably have no data on you. This means that a credit card issuer will probably not give you a regular credit card. One option to get a credit card with no credit history, and probably the best option in most cases, is to get a secured credit card. Basically, you put down a security deposit, and the credit card issuer gives you a credit card with a spending limit up to the amount of that security deposit. The intent is that you treat the credit card as a standard credit card. You use the card, and make the payments. You do not use your security deposit. That is there as an "insurance" for the credit card issuer, in order to reduce their liability to zero. Generally, after some time of good performance, the issuer will switch your card to a regular card and refund your security deposit.
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When you get a paycheck deposited, it is deposited to a bank account. You can think of your bank account as one of your homes that money has. The debit card is a vehicle that your money uses to leave its home (expenses). So when money is deposited, it is directly to your bank account and your debit card is how you can spend that money. Applying for a credit card is free, but each credit card varies as some have annual fees and others are free (no annual fee, or AF). For example, if you were to apply for the Apple card, there would be no annual fee associated with opening the account, therefore being a free account. However, if you were to open an American Express Gold Card, there would be a $250 AF. Since you are new to finances, I would recommend applying for the discover it card (student if you're a student, otherwise a secured card). And you're probably gonna ask, "What is a secured card?" A secured card is a credit card that you put a deposit down. This doesn't apply to all credit card, only to secured cards. When you use your credit card RESPONSIBLY (had to emphasize it), you may get your deposit refunded on the 8th statement (with Discover). And this segways to your 3rd question. When it comes to not having credit, you usually have a few choices: you can apply for a student credit card (if you're a student) or a secured credit card. Some banks will approve you for cards based on your relationship with them. For example, suppose you have a relationship with Wells Fargo (ew), and they see regular direct deposits from your employer. They may approve you for one of their cards (emphasis on may since they are a conservative lender) since they see that you have money coming in every x weeks. If they do approve you, they will give you a low limit since you don't have credit. If you do not have a relationship with the bank, they most likely will deny you. As time goes on (with an open credit card account), your credit will start to take shape and at the 6 month mark, you will finally have a FICO score. This should not be confused with a VantageScore, which you will see on CreditKarma. Lenders base their lending decision on FICO. PLEASE STAY AWAY FROM CREDIT ONE BANK. DO NOT APPLY FOR ANY OF THEIR CARDS. THEY NICKEL AND DIME YOU WITH TONS OF FEES. PLEASE PLEASE PLEASE DO NOT OPEN A CREDIT ONE CREDIT CARD!!! OPEN EITHER A DISCOVER CARD OR A CAPITAL ONE CARD AND LET THEM AGE!!!! The best way to go about building credit would be having your first few accounts have no AF. Why? Since the accounts cost nothing to you, you can keep them open for a very long time. As for rewards, when you treat your credit card as a debit card; only spending money that you have and can afford, you can accumulate rewards. Rewards being either cashback or points (points is for traveling). In order to do this, only spend what you have (yes I needed to re-emphasize that) and NEVER PAY INTEREST (DO NOT CARRY A BALANCE MONTH-TO-MONTH; PAY YOUR BALANCE IN FULL AT BEFORE THE END OF THE BILLING CYCLE!!!) Also, DO NOT WITHDRAW MONEY FROM AN ATM WITH YOUR CREDIT CARD. YOU WILL BE CHARGED A FEE AND ACCRUE INTEREST IMMEDIATELY. THE REWARDS AREN'T WORTH IT IF YOU PAY INTEREST. Since I wrote this at 3:22AM PST, I do encourage others to please add on, or correct anything I have said to help OP :).
Kroger
krogermastercard.com
Kroger REWARDS World Mastercard®
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Milltowncu
milltowncu.org › News › Credit-Card-Rewards
Mill Town Credit Union - Are Credit Card Rewards Really Free? What They Don’t Tell You (And What You Should Know)
Cash back, travel miles, points for every purchase—credit card rewards sound like the ultimate freebie. And in many ways, they can be. But here’s the catch: not all rewards are created equal, and if you’re not careful, you could end up paying more than you earn · At Mill Town Credit ...
Apple
apple.com › apple-card
Apple Card - Apple
November 11, 2025 - Apple Card offers up to 3% Daily Cash back on purchases with no fees. Apply with no impact to your credit score to see if you’re approved. Terms apply.
Bank of America
bankofamerica.com › bank of america › credit cards › bank of america® customized cash rewards credit card
Bank of America® Customized Cash Rewards Credit Card
With the Bank of America® Customized Cash Rewards credit card, earn 6% cash back in the category of your choice for the first year. Plus, a $200 cash rewards bonus offer.
Bank of America
bankofamerica.com › bank of america › credit cards
Credit Cards: Find & Apply for a Credit Card Online at Bank of America
Explore a variety of credit cards including cash back, lower interest rate, travel rewards, cards to build your credit and more. Find the credit card that's right for you and apply online today.
NerdWallet
nerdwallet.com › credit-cards › learn › instant-credit-card-numbers
Credit Cards You Can Use Instantly After Approval - NerdWallet
1 week ago - Best credit cardsBest credit cardsBest credit card bonus offersBest balance transfer credit cardsBest travel credit cardsBest cash back credit cardsBest 0% APR credit cardsBest rewards credit cardsBest airline credit cardsBest college student credit cardsBest credit cards for groceries ... Get a card recommendationCard recommendation quizTravel rewards and perksEarn cash backPay down debtMake a big purchaseGet your approval odds ... Guides and resourcesGet your free credit scoreCredit card basicsApplying for a credit cardChoosing a credit cardManaging credit card debtCredit card resources Banking
NerdWallet
nerdwallet.com › credit-cards › learn › cash-back-credit-cards-offer-signup-bonus
Which Cash-Back Credit Cards Offer a Good Welcome Bonus? - NerdWallet
In the long run, a good rewards rate is more important than a one-time welcome offer. But if you’re looking for a new cash-back credit card with potential for a cash freebie, here are some highly rated cash-back cards with sizable new-cardholder promotions.
Published 2 weeks ago
Reddit
reddit.com › r/creditcards › hey. i need a credit card, that allows you instant access to it, like a virtual card. i’d like to be able to use it instantly, i have to pay $100 more, to get my security license
r/CreditCards on Reddit: Hey. I need a credit card, that allows you instant access to it, like a virtual card. I’d like to be able to use it instantly, I have to pay $100 more, to get my security license
November 29, 2023 -
Which card can I get, that’ll allow me instant access
Moneyme
moneyme.com.au › credit card › virtual
The New Virtual Credit Card | Up to $5,000 on the spot | MONEYME® Freestyle
October 15, 2025 - Apply online for your MONEYME virtual credit card, with up to 55 days interest-free, and with zero-fee options. You’ll need your driver’s licence ready to verify your account.