Many people don’t know that some credit card companies are giving away free money. Yes, really! If you’re thinking about getting a new credit card, you might be able to get a bonus just for signing up and spending money you were already planning to spend.
This can be a great way to earn rewards without doing anything extra. Let’s look at how it works and which credit card offers the best deal for families in 2025.
Why Credit Cards Give Free Money
Credit card companies want more people to use their cards. To do that, they offer welcome bonuses like cash back, points, or discounts on travel. Some cards are linked to specific stores, so you get rewards when you shop there.
But with so many options, it can be hard to decide which one is best for you. That’s why it helps to look at trusted reviews and compare the benefits.
Best Card for Families: Blue Cash Preferred by American Express
One of the best credit cards for families is the Blue Cash Preferred Card from American Express. According to NerdWallet, it has a perfect 5-star rating.
Right now, American Express is giving new customers $250 as a statement credit. To get this, you just need to spend $3,000 within the first six months after opening the account.
This might sound like a lot, but if you are already planning a big purchase—like new furniture or moving costs—it’s easy to reach that amount. You can use the card to pay and then use your saved money to pay off the balance. This way, you don’t end up spending more than you planned, and you still get the $250.
How to Apply and What You Get
To get this deal, go to the American Express website, fill out the form, and get approved. If you qualify, you get:
No annual fee for the first year
$95 fee starts from the second year
0% interest on new purchases and balance transfers for the first 12 months
After one year, the interest rate goes up to between 20.24% and 29.24%
Extra Rewards You Can Earn
With this card, you also get cash back on your daily spending:
6% cash back on groceries (up to $6,000 a year, then 1%)
6% on select streaming services like Netflix or Spotify
3% back on gas station purchases
1% on all other purchases
These rewards make this card perfect for families who spend money on food, fuel, and entertainment.
More Free Money Offers This Year
Apart from American Express, other banks are also giving out bonus money this year:
Citibank is offering up to $325 in free cash this spring
SoFi is giving a one-time $300 cash bonus in May
Each offer comes with its own rules, so make sure to read the details before applying.
If you are already planning to spend money, getting a credit card with a welcome bonus is a smart move. Cards like the Blue Cash Preferred by American Express give you rewards, cash back, and 0% interest for a year. Just be sure to stick to your budget and only spend what you can pay back. By choosing the right card and using it wisely, you can earn hundreds of rupees—or even dollars—without any extra work. Always read the terms, compare offers, and pick the one that fits your lifestyle the best.