I see a lot of offers for "$200 cash back if you spend $2000 in 6 months" kind of deals. Are these worth using?

Frequent credit card openings to capture initial bonuses can yield $1,000-$3,000 annually, but it risks a short-term credit score dip and deeper debt for consumers.

Many credit cards offer sign-up bonuses like $200 for spending $2,000 within six months, allowing consumers to earn rewards without altering their spending habits.

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