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Chase Aeroplan® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn up to 100,000 bonus points: Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open plus 25,000 points more after you spend $20,000 on purchases in the first 12 months.
Bonus points for spend in the following bonus categories:
Applies to travel booked directly with Air Canada. Other airfare earns 1X miles per dollar.
Includes takeout and delivery
- Eltie status for the first year of card membership and the following full year - with the option to retain Aeroplan elite status or upgrade to the next tier by meeting qualifying spend requirements
- Earn 3x bonus points per $1 spent on purchases made through Air Canada directly, grocery stores, restaurants; and 1x point on all other purchases
- Global Entry, TSA PreCheck or NEXUS application reimbursement every four years
Pros
- Automatic 25k Aeroplan elite status for benefits like 20 eUpgrade credits to premium cabins on Air Canada flights, two passes to Maple Leaf lounges and more
- Use Pay Yourself Back to redeem Aeroplan points for a statement credit towards any travel purchases at a favorable rate of 1.25 cents per point
- Important travel and purchase coverage, such as trip delay reimbursement, baggage delay insurance, cell phone insurance and more
Cons
- Aeroplan points aren't as flexible as transferrable currencies such as Chase Ultimate Rewards
- $95 annual fee
- Hefty spend requirement to retain or upgrade your Aeroplan elite status level
Aeroplan does not pass along any fuel surcharges, making this a great program for Star Alliance flights. Two huge additional benefits are a stopover on your trip for just 5,000 miles and a lap infant (under 2) is just $25 CAD. One small negative is that they do have fees for cancelling an award ticket.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
American Express® Gold Card / Rose Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 bonus Membership Rewards points when you spend $6,000 in 6 months. Terms apply.
Bonus points for spend in the following bonus categories:
4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
At restaurants worldwide and on takeout delivery within the U,S.
Booked directly with the airline or via AmexTravel.com
- Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
- No Preset Spending Limit
- You can choose the traditional American Express Gold Card color or the unique Rose Gold
Pros
- For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
- Although the annual fee seems high, all but $10 can be offset by using available monthly statement credits
- Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service
Cons
- The annual fee of $250, despite the statement credits that can offset it, is steep for some
- Bonus categories are limited to just three
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Boundless® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
Bonus points for spend in the following bonus categories:
Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.
- Earn a free night award every year worth up to 35,000 Marriott Bonvoy points
- Earn an outstanding 6X points per dollar for stays at Marriott Bonvoy hotels and resorts.
- Automatic Marriott Bonvoy Silver elite status, with a pathway to Gold status every year by spending $35,000+ on the card
Pros
- The annual free night award on the card is worth around $210 based on our estimations - more than double the $95 annual fee
- The card is especially rewarding on Marriott purchases, with the ability to earn an excellent 6X multiplier at Marriott Bonvoy properties
- Great travel card all around, thanks to travel protections and no foreign transaction fees
Cons
- $95 annual fee
- Silver elite status doesn't provide many perks on its own, so it's worth it to achieve Gold status or upgrade to a higher-tier Marriott Bonvoy credit card
- Only earns 2x Marriott Bonvoy points per dollar after reaching the $6,000 cap on combined purchases on grocery stores, gas stations and dining
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Hilton Honors Surpass® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024. Terms apply.
Bonus points for spend in the following bonus categories:
At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points
U.S. gast stations
U.S. dining, including takeout and delivery
U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
U.S. Online Retail Shopping
- Very high earn rate for all spend at Hilton properties (12X)
- Comes with complimentary Hilton Gold elite status
- Offers the ability to earn a valuable Free Night Reward with $15,000 in spend in a calendar year
Pros
- If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
- Includes mid-tier Hilton Gold status, a way to spend to Diamond status
- Spend your way to a Free Night Reward valid at almost any Hilton property in the world
Cons
- The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
- Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed via a devaluation of the loyalty program.
- The Free Night Reward available with this card requires $15,000 in annual (calendar year) spend
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi Premier® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 bonus ThankYou(R) Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) portal through June 30, 2024.
Bonus points for spend in the following bonus categories:
- Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
- Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
- Citi ThankYou points are extremely flexible, with the ability to utilize an array of 14 airline and two hotel transfer partners to get the most bang for your buck on travel
Pros
- The $95 annual fee can be completely offset by the $100 hotel credit
- Redeem Citi ThankYou points for a variety of travel, including the ability to transfer points to a total of 16 airline and hotel programs
- Generous welcome bonus
Cons
- Unlike some competitors, there are no included travel insurance or trip protection benefits in case something goes wrong
- Citi ThankYou points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
- Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Platinum American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
At restaurants, including takeout and delivery in the U.S.
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- The annual companion certificate can easily outweigh the $250 annual fee and can be used for round trip domestic flights on Delta Air Lines
- Opportunity to spend your way towards Medallion Status
- Get a 15% discount off of Delta award flights
Pros
- Opportunity to spend your way towards Medallion Status
- Annual companion certificate that allows you to fly a friend or family member for the cost of government imposed taxes (roughly under $80) for round trip domestic flights
- Jam-packed with traveler's benefits, such as a Global Entry or TSA PreCheck fee credit, a first free checked bag when flying Delta Air Lines, trip delay coverage, baggage insurance and more
Cons
- $250 annual fee
- Doesn't offer Delta Sky Club access
- While the ability to spend your way towards Medallion status is helpful, it requires a hefty amount of spending,.
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Bevy™ American Express® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Bonus points for spend in the following bonus categories:
Earn 6X points when staying at a Marriott Bonvoy participating hotel booked directly through Marriott or the hotel; else earn 2X
U.S. Supermarkets only. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- The card helps you earn Marriott Bonvoy points faster, with 6x points per dollar spend on the card at a Bonvoy property and 1,000 bonus points on every eligible Marriott stay
- Complimentary Gold elite status as well as 15 annual elite night credits to help you qualify for higher ranks
- Potential to earn a free night award upon spending $15,000+ on the card per calendar year, which is worth around $300, based on our valuation of Marriott Bonvoy points
Pros
- Complimentary Marriott Bonvoy Gold elite status just by holding the card
- On top of the 6x points earning rate at Marriott Bonvoy properties, you can earn 1,000 bonus points for every eligible Marriott Bonvoy stay
- Travel and purchase protections (See Card Details for benefits and disclosures)
Cons
- The Bevy free night award is not given automatically; you must spend at least $15,000 on the card per calendar year
- $250 annual fee is a bit steep, especially for the benefits provided in comparison to the Brilliant and the Boundless cards.
- Marriott Bonvoy Gold elite status isn't as competitive as other hotel loyalty program benefits, considering that The Platinum Card® from American Express offers both complimentary Marriott Gold and Hilton Gold status upon enrollment
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Hilton Honors American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024. Terms Apply.
Bonus points for spend in the following bonus categories:
Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X
At U.S. Gas Stations
At U.S. Restaurants. Take out and delivery included.
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- No annual fee and no foreign transaction fees
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status
Pros
- 7X points when staying at Hilton portfolio properties
- Comes with Silver Elite Status with the chance to earn Gold
- No annual fee and no foreign transaction fees
Cons
- Silver status benefits are light compared to Gold status
- The earn rate on everyday spend is higher on other cards
- Lacks any high end benefits, but then again it's a no annual fee card
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Gold American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Terms Apply.
Bonus points for spend in the following bonus categories:
Applies only to airfare booked directly with Delta Air Lines; otherwise earn 1X
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- Enjoy your first checked bag free on Delta flights -- a savings of $30 one-way, or $60 roundtrip!
- Save 15% when you use SkyMiles to book eligible Delta award flights
- Potential to earn a $100 Delta flight credit every year by spending at least $10,000 on the card in a calendar year -- recouping the ongoing $99 annual fee!
Pros
- You'll save 15% when you use SkyMiles to book eligible Delta award flights
- Free first checked bag and Main Cabin 1 boarding on Delta flights
- Earn a $100 Delta flight credit after spending $10,000 in a calendar year
Cons
- While there's a $0 introductory annual fee for the first year of account opening, the Delta SkyMiles Gold charges a $99 annual fee thereafter.
- The card does not provide more than 2x miles on purchases, even on Delta flights
- You do not get Delta Sky Club access or elite-qualifying miles
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Blue Business® Plus Credit Card from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Bonus points for spend in the following bonus categories:
- 2x points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year)
- No annual fee; plus, add employee cards for no additional cost
- 0% intro APR on purchases for the first 12 months of account opening
Pros
- No annual fee, making the Blue Business Plus a great starter card for new or small business owners
- Earn 2x Membership Rewards points on all purchases (capped at the first $50,000 in a year)
- Business expense management tools and expanded buying power ability
Cons
- The 2x earning rate is capped at $50,000 per year
- Charges a foreign transaction fee
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.





Citi® Diamond Preferred® Credit Card




Citi Custom Cash℠ Card
$0.016