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While this card has a remarkable signup bonus — particularly for a cash back card — what makes it really stand out is that it has a spending requirement low enough that the average cardholder can hit the mark, but the card’s 4% cash back categories mean high earnings while working on that requirement.

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Overall | Cash Back | Points | Miles | No Annual Fee | Airline | Hotel | Student | Business Although it’s easy to get caught up in the idea of finding the biggest bonus possible, there’s more to a good signup bonus than the number of rewards you’ll receive.

Other factors can influence the value of any given signup bonus, including the actual purchase rewards offered by the card.

When selecting the top overall signup bonuses, we looked for cards that not only offered high-value bonuses, but also offered useful purchase rewards that provide extra value to meeting the spending requirement, and low fees that won’t negate the value of the bonus or purchase rewards.

The has one of the larger bonuses for the spend, but the Discover it® Cash Back has a unique signup bonus structure that could be pretty valuable to cardholders who can maximize the card’s rewards.

Versatile credit card points are often the rewards currency of choice for cardholders looking to maximize their earnings.

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