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Alaska Airlines Visa SignatureĀ® credit card

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(4.1) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

LIMITED TIME ONLINE OFFER: Get 60,000 bonus miles plus Alaska's Famous Companion Fareā„¢ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Including EV charging stations

2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Including ride share, trains, even tolls and ferries

2 x
Transit
Estimated Rewards Value: 3.4%
2 x
EV Charging
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • Earn Alaska's Famous Companion Fare ($99 fare plus taxes) after you spend $6,000 or more on purchases within the prior anniversary year.
  • 3x miles on Alaska flights; 2x miles on useful categories from gas and EV Charging to local transit; and 1x miles on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds! Available for co-applicants and authorized users when they book a reservation too!

Pros

  • Earn Alaska's Famous Companion Fare after you spend $6,000 or more on purchases within the prior anniversary year.
  • Rack up thousands of Alaska Airlines Mileage Plan miles from the welcome offer to Alaska Airlines purchases to everyday spend
  • Free checked bag and priority boarding for you and up to six travelers on the same reservation. Available for co-applicants and authorized users when they book a reservation too!

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership discount may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. They also partner with luxury Taiwan based Starlux. Additionally, only Marriott points transfer to Alaska making them harder to acquire than most.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees:
4% of the amount of each transaction
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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United Questā„  Credit Card

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(4.3) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$250

Bonus Offer

Earn 70,000 United MileagePlusĀ® Miles and 500 PQP after spending $4,000 on qualifying purchases in the first three months of opening an account. Offer ends August 7, 2024.

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 3.6%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Car Rentals
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Hotels
Estimated Rewards Value: 2.4%
2 x
Streaming Services
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • Generous United-specific perks (and unique among airline credit cards) including a $125 annual credit on United purchases, two free checked bags, and up to 10,000 miles back on award tickets.
  • Spending on the card helps you earn towards United elite status.
  • Long list of travel and purchase protections.

Pros

  • $125 annual United purchase statement credit that will help offset the $250 annual fee.
  • Up to 10,000 miles back: Automatically get 5,000 United miles back into your account after taking a United award flight -- up to two times per anniversary year.
  • Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.

Cons

  • No airport lounge access
  • $250 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
  • United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Annual Fee: $250
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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Annual Fee:
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Southwest Rapid RewardsĀ® Plus Credit Card

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(3.7) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$69

Bonus Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2 x
Streaming Services
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and EarlyBird Check-In more than offset the card's annual fee.
  • Solid travel and purchase protections.

Pros

  • Two Early-Bird Check-Ins each year
  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards

Cons

  • Bonus Spending categories could be better
  • This card does have foreign transaction fees on overseas purchases, unlike the Southwest Premier and Priority credit cards
Annual Fee: $69
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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Southwest Rapid RewardsĀ® Priority Credit Card

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(4) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$149

Bonus Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2 x
Streaming Services
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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 more
  • Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Solid purchase and travel protections.

Pros

  • $75 Southwest annual travel credit
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Four Upgraded Boarding passes each year

Cons

  • $149 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $149
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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Annual Fee:
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Chase Sapphire PreferredĀ® Card

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(4.1) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Thatā€™s $750 when you redeem through Chase Travelā„ 

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Jul 31, 2024

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards points when you transfer by July 31st, 2024.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. itā€™s a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Jul 31, 2024

No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates as well as Star Alliance flights. Add a stopover for just 5,000 miles!

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn this multiplier when you purchase via Chase Travelā„ . If you purchase any other way, you will earn 2X points.

5 x
Airfare
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travelā„ . If you purchase any other way, you will earn 2X points.

5 x
Car Rentals
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travelā„ . If you purchase any other way, you will earn 2X points.

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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 more
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travelā„ 
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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IHG One Rewards Traveler Credit Card

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(4) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.

Ā 

Bonus points for spend in the following bonus categories:

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

5 x
Hotels
Estimated Rewards Value: 2%
3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
3 x
Gas Stations
Estimated Rewards Value: 1.2%
3 x
Cellular Phone Service
Estimated Rewards Value: 1.2%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.2%
3 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Everything Else
Estimated Rewards Value: 0.8%
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 more
  • Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
  • Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
  • Get solid purchase and travel protections

Pros

  • Get a fourth night free on all reward night stays of 4+ nights.
  • No annual fee.
  • Solid sign up bonus points, especially for a no annual fee card.

Cons

  • Doesn't come with a free night award, like the IHG Premier Card
  • Complimentary Silver Elite status doesn't offer many perks
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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Notify me of bonus offer changes
All information about the Marriott Bonvoy Bold Credit Card has been collected independently by Your Best Credit Cards.

Marriott Bonvoy Bold Credit Card

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(3.4) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 60,000 Points + 1 Free Night after spending $2,000 on eligible purchases within the first 3 months from account opening. 1 Free Night valued up to 50,000 points. Certain hotels have resort fees.

Bonus points for spend in the following bonus categories:

Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.

3 x
Hotels
Estimated Rewards Value: 1.8%
2 x
Groceries
Estimated Rewards Value: 1.2%

Select Streaming services

2 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
1 x
Everything Else
Estimated Rewards Value: 0.6%
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 more
  • Beginner-friendly travel card with no annual fee and no foreign transaction fees to worry about
  • Automatic Silver elite status with 15 annual elite night credits for holding the card
  • Important travel and purchase coverages, including baggage delay insurance, trip delay reimbursement and purchase protection

Pros

  • No annual fee
  • Automatic Silver elite status in the Marriott Bonvoy program and 15 elite night credits every year
  • Earn 6X Bonvoy points at participating Marriott hotels

Cons

  • Marriott Bonvoy Silver elite status won't get you much besides priority late checkout
  • The card doesn't come with a Marriott free night award
  • The earning rate on non-Marriott purchases is mediocre (2x points on travel purchases and 1x points on all other eligible purchases)
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

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.

APR: 20.24%-27.24% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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American Express is an Advertising Partner

The Blue BusinessĀ® Plus Credit Card from American Express

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(4.3) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 15,000 Membership RewardsĀ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 3.4%
2 x
Transit
Estimated Rewards Value: 3.4%
2 x
Car Rentals
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2 x
Costco
Estimated Rewards Value: 3.4%
2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2 x
Hotels
Estimated Rewards Value: 3.4%
2 x
Lyft
Estimated Rewards Value: 3.4%
2 x
Office Supplies
Estimated Rewards Value: 3.4%
2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2 x
Groceries
Estimated Rewards Value: 3.4%
2 x
Cruises
Estimated Rewards Value: 3.4%
2 x
Drugstores
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
2 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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 more
  • 2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
  • No annual fee; plus, add employee cards for no additional cost
  • Business expense management tools and expanded buying power ability

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 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
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

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.Ā  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.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
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American Express is an Advertising Partner

Blue Cash PreferredĀ® Card from American Express

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(4.1) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

Bonus Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines aĀ 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.)

6 x
Groceries
Estimated Rewards Value: 6%

On select U.S. Streaming Services

6 x
Streaming Services
Estimated Rewards Value: 6%
3 x
Transit
Estimated Rewards Value: 3%

At U.S. Gas Stations

3 x
Gas Stations
Estimated Rewards Value: 3%
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 more
  • Earn 6% cash back at U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
  • Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations; and 1% on all other eligible purchases.
  • $0 Introductory Annual Fee for the first year, then $95

Pros

  • Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
  • Monthly statement credits for The Disney Bundle that could potentially save you hundreds of dollars per year
  • 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

  • Charges a $95 annual fee every year after the $0 intro annual fee
  • This card's foreign transaction fee clocks in at 2.7%
  • Blue Cash reward dollars are limited to cash back redemptions
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! šŸ˜‰

APR: 0 % Intro APR (on purchases for 12 months, 19.24%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 19.24%-29.99% thereafter)
Balance
transfer fees:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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Citi Custom Cashā„  Card

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(3.9) Our Review

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.

Min Credit Score:
Fair (580-669) *
Annual Fee:
$0

Bonus Offer

$200 in the form of 20,000 bonus ThankYouĀ® points when you spend $1,500 within 6 months

Bonus points for spend in the following bonus categories:

5 x
Airfare
Estimated Rewards Value: 5%
5 x
Transit
Estimated Rewards Value: 5%
5 x
Car Rentals
Estimated Rewards Value: 5%
5 x
Gas Stations
Estimated Rewards Value: 5%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5 x
Hotels
Estimated Rewards Value: 5%
5 x
Gym Memberships
Estimated Rewards Value: 5%
5 x
Streaming Services
Estimated Rewards Value: 5%
5 x
Drugstores
Estimated Rewards Value: 5%
5 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5 x
Groceries
Estimated Rewards Value: 5%
1 x
Everything Else
Estimated Rewards Value: 1%
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 more
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi Strata PremierĀ® 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 Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
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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.

Last Updated: July 15, 2024
Intro bonus:
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View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
3x Airfare
2x Gas Stations
+ 5 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else

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