Top 10 Credit Cards to Sign Up for This Month if You Need a Little Extra Money

If you’re looking to give your wallet a boost and gain access to extra cash, signing up for a credit card can be a smart way to earn rewards, enjoy introductory offers, and even get cash back. Whether you’re planning to use the rewards to pay down debt, treat yourself, or simply pad your savings, this month’s best credit cards are a great way to start. Here are the top 10 credit cards you should consider signing up for this month if you need a little extra money.

1. Chase Sapphire Preferred® Card

Best for Travel Rewards and Sign-Up Bonus
If you’re looking for a card that earns solid rewards and offers a generous bonus, the Chase Sapphire Preferred® Card should be at the top of your list. It offers a substantial sign-up bonus (usually around 60,000 points) if you meet the minimum spending requirement. Those points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, and you can transfer points to airline and hotel partners for even greater value.

Key Benefits:

• 2x points on travel and dining
• 1x point on other purchases
• $95 annual fee
• 60,000-point sign-up bonus after spending $4,000 in the first 3 months

2. Citi® Double Cash Card

Best for Earning Cash Back on Every Purchase
If you prefer cash back without the hassle of category restrictions, the Citi® Double Cash Card is an excellent choice. You earn 2% on all purchases—1% when you buy and 1% when you pay your bill. This makes it one of the best flat-rate cash-back cards.

Key Benefits:

• 2% cash back on every purchase (1% when you buy, 1% when you pay)
• No annual fee
• 18-month 0% APR on balance transfers
• $200 cash bonus after spending $1,500 in the first 6 months

3. Discover it® Cash Back

Best for Rotating Categories and Cash Back Match
The Discover it® Cash Back card is perfect for those who are strategic about their spending. It offers 5% cash back in rotating categories like grocery stores, gas stations, and more, each quarter (up to a certain spending limit). Additionally, at the end of your first year, Discover will match all the cash back you’ve earned—automatically!

Key Benefits:

• 5% cash back on rotating categories (up to $1,500 in purchases each quarter)
• 1% cash back on other purchases
• No annual fee
• Cash back match at the end of your first year

4. American Express® Gold Card

Best for Dining and Grocery Rewards
If food is a big part of your spending, the American Express® Gold Card could earn you significant rewards. You’ll earn 4x points at restaurants, including takeout and delivery, and 3x points on flights booked directly with airlines or on amextravel.com. This is a great card for those who love dining out or ordering in.

Key Benefits:

• 4x points at restaurants
• 3x points on flights
• 1x point on other purchases
• $250 annual fee
• 60,000 points after spending $4,000 in the first 6 months

5. Chase Freedom Flex℠

Best for Rotating Categories with No Annual Fee
For those who love maximizing rewards with rotating categories, the Chase Freedom Flex℠ is a fantastic no-annual-fee card. You can earn 5% cash back on rotating categories each quarter (up to $1,500 in purchases), plus 1% on all other purchases. There’s also a great sign-up bonus to kick things off.

Key Benefits:

• 5% cash back on rotating categories (up to $1,500 per quarter)
• 1% on other purchases
• $200 cash bonus after spending $500 in the first 3 months
• No annual fee

6. Capital One QuicksilverOne Cash Rewards Credit Card

Best for Simple Cash Back
If you’re looking for straightforward cash back, the Capital One QuicksilverOne Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase. It’s an easy way to earn rewards without worrying about rotating categories or bonus categories.

Key Benefits:

• 1.5% cash back on every purchase
• No annual fee
• $200 cash bonus after spending $500 in the first 3 months

7. Blue Cash Preferred® Card from American Express

Best for Grocery Store Spending
If groceries make up a significant portion of your spending, consider the Blue Cash Preferred® Card from American Express. You’ll earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases), 3% on transit and gas, and 1% on other purchases.

Key Benefits:

• 6% cash back at U.S. supermarkets (up to $6,000 per year)
• 3% on transit and gas
• 1% on other purchases
• $95 annual fee (waived for the first year)
• $250 statement credit after spending $1,000 in the first 3 months

8. Wells Fargo Active Cash® Card

Best for No-Fuss 2% Cash Back
The Wells Fargo Active Cash® Card is perfect for those who want simplicity and value. You’ll earn a flat 2% cash back on all purchases—no rotating categories, no restrictions. It also offers a sign-up bonus and 0% APR on purchases and balance transfers for the first 15 months.

Key Benefits:

• 2% cash back on every purchase
• $200 cash bonus after spending $500 in the first 3 months
• No annual fee
• 0% APR on purchases and balance transfers for 15 months

9. Bank of America® Customized Cash Rewards Credit Card

Best for Customizable Cash Back Categories
With the Bank of America® Customized Cash Rewards Credit Card, you can choose a category to earn 3% cash back, whether it’s dining, gas, online shopping, or more. You’ll also earn 2% cash back at grocery stores and wholesale clubs.

Key Benefits:

• 3% cash back in a category of your choice (on up to $2,500 in combined purchases per quarter)
• 2% at grocery stores and wholesale clubs
• $200 online cash rewards bonus after spending $1,000 in the first 90 days
• No annual fee

10. U.S. Bank Altitude® Go Visa Signature® Card

Best for Dining and Entertainment
If you’re always on the go and enjoy dining and entertainment, the U.S. Bank Altitude® Go Visa Signature® Card offers 4x points on dining, takeout, and delivery, 2x points on groceries, and 1x on all other purchases. You’ll earn a solid sign-up bonus to get started.

Key Benefits:

• 4x points on dining, takeout, and delivery
• 2x points on groceries
• 1x point on other purchases
• 20,000 bonus points after spending $1,000 in the first 90 days
• No annual fee

Final Thoughts

Signing up for the right credit card can provide you with valuable rewards, cash back, or travel benefits. Consider your spending habits—whether it’s on groceries, dining, travel, or everyday expenses—and choose the card that aligns with your financial goals. These top 10 credit cards for this month offer a mix of cash back, rewards, and sign-up bonuses, so you’re sure to find one that gives you that extra boost you need.