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Top Credit Cards Offer Handsome Bonuses

The best credit card bonuses pay at least $100.Your bank accounts might be earning zilch, but if you’re smart, an investment in a new credit card can help ease the pain.

Of course, you’ll have to pay off your balance each month in order to take full advantage of the sign-up bonuses attached to many credit card offers. Otherwise, that $200 reward will quickly be gobbled up in interest fees.

Here’s a list of some of the best credit card sign-up offers we’ve seen recently:

Blue Cash Everyday from American Express

Bonus: $100 cash back when you spend $1,000 within the first three months.
Annual percentage rate: 0% on purchases for 12 months; 17.24% to 22.24% thereafter.
Annual fee: None.
Rewards: 3% cash back at supermarkets, 2% as gas stations and department stores, 1% on all other purchases.

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Blue Sky from American Express

Bonus: $100 statement credit when you spend $1,000 within the first three months.
Annual percentage rate: 0% on purchases for 12 months; 17.24% to 22.24% variable thereafter.
Annual fee: None.
Rewards: One point for every dollar you spend.

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Capital One Cash Rewards

Bonus: $100 bonus when you spend $500 within the first three months.
Annual percentage rate: 0% on purchases and balance transfers until March 2013; 12.9% to 20.9% variable thereafter.
Annual fee: None.
Rewards: 1% cash back on all purchases, plus an anniversary bonus each year equivalent to half of the cash back you earned throughout the year. This makes the effective cash-back rate 1.5%.

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Chase Freedom Visa

Bonus: $200 cash back when you spend $500 within the first three months.
Annual percentage rate: 15.99% to 22.99% variable.
Annual fee: None.
Rewards: 5% cash back on rotating categories every three months; 1% cash back on all other purchases.

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Chase Sapphire Preferred

Bonus: $625 in travel cash when you spend $3,000 within the first three months.
Annual percentage rate: 15.24% variable.
Annual fee: Free the first year, $95 thereafter.
Rewards: Two points per dollar spent on travel and dining; 1 point per dollar spent on all other purchases.

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Citi Dividend Platinum Select Visa Card

Bonus: $200 cash back when you spend $500 within the first three months.
Annual percentage rate: 15.99% to 22.99% variable.
Annual fee: None.
Rewards: 5% cash back on rotating categories; 1% cash back on everything else.

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Citi ThankYou Preferred Rewards Card

Bonus: $250 in gift cards when you spend $2,000 within the first three months.
Annual percentage rate: 12.99% to 22.99% variable.
Annual fee: None.
Rewards: One point for every dollar you spend, plus a yearly anniversary bonus.

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