Credit card sign-up bonus programs usually have strict spending criteria to earn the welcome offer. In many cases, you’ll need to spend a certain amount of money with the credit card in a set number of months to earn the bonus. Some cards may have more unique bonus programs, like a first-year dollar-for-dollar cash back match or a dual-stage bonus program. Read the fine print of any credit card you’re signing up for to understand how to earn the welcome offer.