Sign up for the Barclaycard Rewards Mastercard for Average Credit and you'll earn 25,000, which gets you a $25 bonus, after your first purchase or balance transfer. This means you can buy a small item, like a pack of gum, and get $25 credit back to your account. Plus, there's no annual fee. Better yet, you'll earn 2x points on gas, groceries and utilities with no cash back limit, and 1 point on everything else. Plus, you'll get 0% APR on purchases for the first 6 months.