If you are in the market for a new cash back credit card in 2016, or if you have never had a cash back credit card due to a low credit score, but now find that your credit score will allow you a cash back credit card in 2016, you should consider a card with a sign up bonus. Credit card companies are competing more than ever for your business in 2016, and to sweeten their offers for prospective savvy customers, many offer some sweet sign up bonuses. Make the most out of signing up for a new cash back credit card with these sweet sign up bonuses. Below are our top rated picks for for February of 2016.

cash back cards for 2016

Chase Freedom®

The sign up bonus reward for this credit card is rather low, standing at only $150, but the spending requirement is rather low. This card only requires you to spend $500 within 90 days of opening the account to qualify for the reward. You can also earn an additional $25 by simply adding an authorized user to your account, while also making a purchase on this account in the first 90 days. While the sign up bonus is rather low, it does however have a lot to offer. This value starts with a 0% intro APR for 15 months on both purchases and balance transfers. The cash back you can earn 5% cash back on rotating categories that change every 3 months, and 1% cash back on everything else. Your cash back rewards never expire, redeem them when you are ready. This card also carries no annual fee, which makes this card a solid credit card to have in your credit card portfolio.

Blue Cash Preferred® Card from American Express

This cards sign up bonus is also low. $150. I think you can sense a pattern here, most of the cash back credit cards sign up bonuses will be in this range. That being said American express credit cards always carry a lot of value, and being a card holder of American express puts you in an elite category, as not everyone will or can qualify to carry an Amex card. The cash back offering from this card is very lucrative, you can earn 6% cash back at supermarkets for up to $6000 per year in purchases, 3% cash back at gas stations and select U.S. department stores, and 1% cash back on everything else. This card has no rotating categories to worry about. Your cash back can be redeemed as a statement credit at any time. You also receive a 0% intro APR on purchases and balance transfers for 15 months.

Review More Offers and Apply Online – 2016 Top Zero Percent Credit Cards – powered by CardRatings

Most cash back credit cards do not offer sign up bonuses. The reason being is that these cards carry a lot of value to customers in the form of tangible cash back. The key to making the most out of your cash back credit card is to never carry a balance into the next billing period, else the interest that will occur will negate any benefit of the cash back. If you are careful you can earn real cash just by making everyday purchases and then paying off your balance in full every month.