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Best Travel Rewards Credit Cards of 2022

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The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you primary rental insurance.

Whatever benefit you’re looking for, we’ve got a great card to fit the bill. The cards below are listed in the order of their total bonus offer values.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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77 Cards Available:

Credit card
Estimated Bonus Value :

$2,040

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Annual Fee: $695

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Estimated Bonus Value :

$2,040

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points. It earns:

  • 5X Membership Rewards points on flights and prepaid hotels booked via AmexTravel
  • 1.5X Membership Rewards points on any single purchase that is over $5,000
  • 1.5X Membership Rewards at Construction material and hardware suppliers, Electronic goods retailers and software & at cloud system providers, and with Shipping providers
  • 1X Membership Rewards points on other purchases

(1.5X purchases are capped at $2,000,000 in spend per calendar year.)

Card Benefits

  • Hilton Gold status (enrollment required)
  • Marriott Gold status (enrollment required)
  • Receive up to $100 as a statement credit every 4 years after you apply for Global Entry or every 4.5 years for TSA Pre✔®
  • Access to the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access (enrollment required)
  • Fine Hotels and Resorts benefits
  • $200 airfare credit for incidentals like luggage fees on your chosen airline. (enrollment required). Terms apply.
  • $200 in Dell statement credits twice annually, up to $400 total (Jan-June and July-Dec; Enrollment required / terms apply).
  • Up to $120 a year in wireless credits; up to $10 per month, Enrollment required / terms apply.
  • Up to $360 in Indeed credits ($90 per quarter; enrollment required, Terms Apply)
  • Up to $150 in credits with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign, enrollment required, Terms Apply.
  • Up to $189 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).
Credit card
Estimated Bonus Value :

$1,700

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Annual Fee: $695

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Estimated Bonus Value :

$1,700

Offer: Earn 100,000 Membership Rewards Points when you spend $6,000 in your first 6 months. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Terms apply. (Rates and Fees)

The Platinum Card® from American Express is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of statement credits and other perks and benefits.

Statement Credit Offers

  • $200 in Uber credits annually ($15 per month with a $20 bonus in December)
  • $100 in annual Saks Fifth Avenue shopping credits per year ($50 January-June and $50 July-December) as statement credits (Enrollment required)
  • $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
  • $240 Digital Entertainment Credit which is good for up to $20 back each month on select digital subscriptions with Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times.(Enrollment Required)
  • $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, with a two night minimum stay, with American Express Travel. (Enrollment Required) 
  • $189 CLEAR® Credit as statement credits when you pay for your CLEAR® membership with your Card. (Enrollment Required) 
  • $300 Equinox Credit as a $25 statement credit valid each month at Equinox, valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+.(Enrollment required)
  • $300 statement credit when you purchase a SoulCycle At-Home Bike, up to 15x per calendar year. An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. (Enrollment required)
  • $155 Walmart+ Credit: The cost of a $12.95 monthly Walmart+ membership is covered with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. (Plus Ups are excluded.)

(All above offers require enrollment after you receive the card.)

You also get access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta. (Enrollment required)

In addition, you get elite status in two hotel programs (enrollment required):

  • Marriott Bonvoy Gold Elite
  • Hilton Gold

While the Bonvoy Gold status is mostly good for small room upgrades and bonus points on stays, Hilton Gold confers free breakfast - a benefit that can really add up!

More Platinum Card benefits:

  • Reimbursement (as a statement credit) for your Global Entry or PreCheck membership fees every 4 years.
  • Secondary Car rental CDW/LDW collision/damage coverage
  • Lost, damaged or stolen baggage insurance
  • Extended warranty, purchase protection and return protection on covered purchases
  • No foreign transaction fees.
  • Access to the Platinum Concierge line

Cell phone protection:

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.

Offer: Earn 100,000 Membership Rewards Points when you spend $6,000 in your first 6 months. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Terms apply. (Rates and Fees)
Credit card

Citi Premier Credit Card

Annual Fee: $95

Estimated Bonus Value :

$1,280

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Annual Fee: $95

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Estimated Bonus Value :

$1,280

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel, dining, and grocery card with a low annual fee.

Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.

There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.

How Does the Citi Premier Earn Citi ThankYou Points?

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flights and Hotels
  • 1X Points on All Other Purchases

Other ThankYou Premier Card benefits

  • The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
  • No foreign transaction fees

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $95

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Estimated Bonus Value :

$1,200

Offer: 75,000 bonus Miles when you spend $4,000 within your first 3 months

The Capital One Venture card is one of the most flexible in the industry, particularly if you are a frequent traveler. It earns double miles on every purchase with no bonus categories to remember. You can redeem these points for previous travel purchases (worth a penny a point) or transfer them to travel partners.

You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or you can transfer them to a range of airlines and hotel partners.

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use it to rebate charges for travel, the early spend bonus value will be 1 cent per point, exactly.

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: 75,000 bonus Miles when you spend $4,000 within your first 3 months
Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $395

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Estimated Bonus Value :

$1,200

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 10 Miles per dollar when you book on Turo, a sharing marketplace, through May 16, 2023.
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

  • Up to a $300 credit annually for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Notably, I verified with Capital One that this is “full” Priority Pass access, meaning that it includes airport restaurant locations.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
  • Primary Car Rental Collision/Damage Coverage
  • Authorized Users can be added for no fee and they also get their own Priority Pass membership.
  • Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
  • No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months
Credit card
Estimated Bonus Value :

$1,190

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Annual Fee: $295

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Estimated Bonus Value :

$1,190

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)

The American Express® Business Gold card is a powerful earner for business owners with high spend on the included bonus categories.

You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year. Terms apply.

Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.

Our page on the Amex Business Gold Card has the American Express definition of hardware, software, and cloud computing merchants.

Also, get a 25% rebate on airfare booked American Express Travel using Membership Rewards. Applies to all First/Business Class tickets and economy tickets with your one selected airline.

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $95

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Estimated Bonus Value :

$1,050

Offer: Earn 70,000 points after you spend $3,000 in your first 3 months.

Earn Rate

  • 3X points for every dollar spent on dining, takeout, and eligible delivery services
  • 3X points for every dollar spent at grocery stores
  • 3X points for each dollar spent directly with Air Canada
  • 1 point for each dollar spent on all other purchases
  • Plus, 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)

Card Benefits

  • Status Boost: Automatically receive Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year, allowing primary cardmembers to enjoy benefits such as priority check-in, early boarding, upgrades and more on Air Canada flights. Cardmembers can requalify as follows:
    • Earn 25K Status through the next year after spending $15,000 in a calendar year
    • Existing status holders earn a one-level status boost to 35K Status or higher for the next year after spending $50,000 in a calendar year
    • Additional spend thresholds starting at $100,000 of spend in a calendar year will unlock unprecedented Aeroplan redemption benefits, including 50% off Priority Rewards and companion benefits
  • Pay Yourself Back: The Aeroplan Credit Card is the first co-branded card to do this (starting soon, not right at launch) and you will be able to Pay Yourself Back with up to 50,000 Aeroplan points annually. This will be good for any all travel from Ubers to flights and will be at 1.25 cents per point in value, so $625 a year max.
  • No foreign transaction fees
  • Global Entry / PreCheck / Nexus reimbursement once every four years (This is the only credit card in the US that reimburses Nexus, which is like a Canadian Global Entry and is available to US citizens as well)
  • Free checked bag for you and up to 8 companions on the same itinerary
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Roadside Assistance
  • The card is a World Elite Mastercard, so you’ll get all of those benefits.

Spend Threshold Bonuses

  • At $100,000, $250,000, $500,000 and at $750,000 spend in a calendar year you get a 50% off reward certificate. These vary in utility based on your tier but if you have top tier Air Canada status, they are good for 50% off any award you can find.  In fact, you can even use them to book an Aeroplan-metal economy award (if that is what your status allows) and then use eUpgrade credits to get into Business Class.
  • At $1,000,000 in spend, you het a GLOBAL +1 Award, which grants you 100% of your points back for all redemptions in all cabins on any metal for a designated companion.

NOTE: If you used our Credit Cards Optimization Tool to find this card, please remember that the 3X bonus rate for Air Canada flights only applies to paid flights booked via Air Canada. Other flights would earn 1X.

Offer: Earn 70,000 points after you spend $3,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,020

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Annual Fee: $250

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Estimated Bonus Value :

$1,020

Offer: Earn 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months. Terms apply. (Rates and Fees)

Is the American Express® Gold Card the best credit card for dining and groceries?

The Gold Card offers 4x Membership Rewards points at restaurants (including takeout and delivery) and at US supermarkets (up to $25,000 a year; 1X thereafter), as well as 3x on flights.

And at long last, American Express is once again offering both new and existing cardholders the opportunity to get the Rose Gold version of the Gold Card. (Simply select it when applying.)

It also offers $20 in monthly dining statement credits - $10 monthly at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment and $10 in Uber Cash each month. Enrollment required / terms apply.

(Note that the airline incidental credits will no longer be offered after 2021 and are no longer available to new applicants.)

While many Amex bonus categories are US-only, this card earns 4x on all restaurants, including internationally.

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.)

It's also important to note that as a card product that American Express used to classify as "charge" - meaning that it has No Preset Spending Limit - so it is not counted against your 5 Amex credit card limit. The Gold Card will still be in the category of cards (former charge products) in which you can have up to 10. Those include the Green, Gold, Platinum, and Centurion.

Offer: Earn 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months. Terms apply. (Rates and Fees)
Credit card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$975

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Annual Fee: $99

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Estimated Bonus Value :

$975

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card
Estimated Bonus Value :

$900

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Annual Fee: $650

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Estimated Bonus Value :

$900

Offer: Earn 100,000 bonus Marriott Bonvoy points when you spend $5,000 in your first three months. Terms apply. (Rates and Fees)

With the Marriott Bonvoy Brilliant™ American Express® Card, you'll receive Marriott Platinum status and 25 elite nights credits every year.

This card earns Marriott Bonvoy points for purchases: 6x points at Marriott hotels, 3x points at U.S. restaurants and on flights booked directly with airlines, and 2x points everywhere else.

The Bonvoy Brilliant card comes with an annual free night award (up to 85,000 Marriott Bonvoy points in value) at renewal and a $25 monthly credit for up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.

Each calendar year after spending $60,000 on eligible purchases, you can choose an Earned Choice Award benefit.

Choices include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.

Terms apply.

Many additional features of this card are outlined in the full details page for this card - simply click below for more card details.

NOTE: Our rewards calculator is assuming that your total entered in "Hotels" is spend at Marriott properties for the purposes of calculating this card's value to you. If part of your hotel spend is at non-Marriott properties, that spend will earn less than our estimate.

Offer: Earn 100,000 bonus Marriott Bonvoy points when you spend $5,000 in your first three months. Terms apply. (Rates and Fees)
Credit card

Capital One Spark Miles for Business

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$800

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Annual Fee: $95

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Estimated Bonus Value :

$800

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

This business card offers 2x on all purchases and 5X miles on hotel and rental car booked via Capital One Travel.

You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or transfer them to a range of airlines and hotel partners.

It also has a $100 credit for Global Entry or PreCheck once every 5 years.

NOTES:

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a rebate on travel spend, the early spend bonus value will be $500, exactly.

2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Credit card

Citi® / AAdvantage® Platinum Select® World Elite MasterCard

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$750

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Annual Fee: $99

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Estimated Bonus Value :

$750

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months

Review: Get a free checked bag and preferred boarding on American Airlines.

Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also, earn a $100 flight discount after spending $20,000 and renewing your card.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months
Credit card
Estimated Bonus Value :

$750

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Annual Fee: $450

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Estimated Bonus Value :

$750

Offer: Get 50,000 AAdvantage miles when you spend $5,000 in your first 3 months.

Review: Get full Admirals Club Membership for the primary cardholder, plus Admirals Club access for authorized users. Get a free checked bag for you and up to 8 companions on the same record, priority boarding, priority check-in, and priority screening (screening where available).

Earn American Airlines AAdvantage miles, and earn a bonus of 10,000 Loyalty Points (towards elite qualification) in any calendar year you spend $40,000 on the card.

Also, earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Get 50,000 AAdvantage miles when you spend $5,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$750

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Annual Fee: $250

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Estimated Bonus Value :

$750

Offer: Earn 125,000 bonus Marriott Bonvoy points when you spend $4,000 in your first three months. Terms apply. (Rates and Fees)

The Marriott Bonvoy Bevy credit card is a mid-tier Bonvoy card that lies in between the $95 annual fee Bonvoy Amex (available only by product change from a Bonvoy Brilliant or Bevy) and the Bonvoy Brilliant.

Bonvoy Bevy Earn Rate

  • 6X Bonvoy Points at hotels participating in Marriott Bonvoy
  • 4X Bonvoy Points for up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets
  • 2X Points on all other purchases

Other Bonvoy Bevy Benefits

  • 1,000 Bonus Marriott Bonvoy Points with each qualifying stay.
  • Complimentary Gold Elite status and 15 Elite Night Credits each calendar year toward higher Elite status
  • A Free Night Award (redemption level at or under 50,000 Bonvoy Points after  you make $15,000 in purchases per year. (Resort fees not included). Note that there are no free nights automatically included with your card renewal.

Terms and conditions apply.

NOTE: Our rewards calculator is assuming that your total entered in "Hotels" is spend at Marriott properties for the purposes of calculating this card's value to you. If part of your hotel spend is at non-Marriott properties, that spend will earn less than our estimate.

Offer: Earn 125,000 bonus Marriott Bonvoy points when you spend $4,000 in your first three months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$720

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Annual Fee: $250

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Estimated Bonus Value :

$720

Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles after spending $3,000 in your first 3 months. Terms Apply. (Rates and Fees)

With the Delta SkyMiles® Platinum Business American Express Card you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Business Platinum Bonus Categories

  • Earn 3X miles on Delta purchases.
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.

Additional Amex Delta Business Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.
  • $39 Delta SkyClub per-visit lounge access.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles after spending $3,000 in your first 3 months. Terms Apply. (Rates and Fees)
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Estimated Bonus Value :

$720

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Annual Fee: $550

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Estimated Bonus Value :

$720

Offer: Earn 60,000 Bonus Miles plus 10,000 Medallion® Qualification Miles (MQMs) when you spend $4,000 in your first 3 months. Terms apply. (Rates and Fees)

The Delta SkyMiles® Reserve Business American Express Credit Card offers an annual companion certificate in any cabin class and Delta Sky Club Access + Centurion Lounge, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Reserve Bonus Categories

  • Earn 3X miles on Delta purchases

Additional Delta Reserve Benefits

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.

Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 60,000 Bonus Miles plus 10,000 Medallion® Qualification Miles (MQMs) when you spend $4,000 in your first 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$650

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Annual Fee: $95

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Estimated Bonus Value :

$650

Offer: Earn 130,000 Hilton Honors Bonus Points when you spend $3,000 your first 3 months. Terms apply. (Rates and Fees)

Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases. Terms apply.

Also, you'll receive 10 free airport lounge visits each year with included free Priority Pass Select membership. (Enrollment required.)

Earn bonus points on select business and travel categories: gas stations, wireless telephone service, shipping, restaurants, flights booked direct, and car rentals booked direct.

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Earn 130,000 Hilton Honors Bonus Points when you spend $3,000 your first 3 months. Terms apply. (Rates and Fees)
Credit card

Hilton Honors Surpass® Credit Card

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$650

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$650

Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Terms apply. Offer expires 10/26/2022. (Rates and Fees)

This mid-tier Hilton card comes with complimentary Hilton Gold status.

It will allow you to earn 12x Hilton Honors points at Hilton; 6x at US restaurants, US supermarkets, and US gas stations; and 3x everywhere else.

There is also an opportunity to earn Diamond status and a free weekend night via card spend.

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.)

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

All information about the Hilton Honors Surpass® Credit Card has been collected independently by Your Best Credit Cards.

Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Terms apply. Offer expires 10/26/2022. (Rates and Fees)
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Estimated Bonus Value :

$600

Calculator

Annual Fee: $125

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Estimated Bonus Value :

$600

Offer: Earn 100,000 bonus Marriott Bonvoy points when you spend $4,000 in your first three months. Offer expires 11/2/22. Terms apply.(Rates and Fees)

Earn Marriott Bonvoy points with the Marriott Bonvoy Business® American Express® Card for all purchases.

Earn 6x for stays at Marriott; 4x at restaurants worldwide, U.S. gas stations, with U.S. shipping companies, and wireless telephone service from U.S. providers; and 2x everywhere else.

Get a free night award, Gold Elite status, and 15 elite credits annually. Terms apply.

Also, receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.

If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level. In fact, if you also have a personal Bonvoy credit card, you can earn 15 elite nights annually on each card - for a total of 30 per year.

Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.

Offer: Earn 100,000 bonus Marriott Bonvoy points when you spend $4,000 in your first three months. Offer expires 11/2/22. Terms apply.(Rates and Fees)
Credit card

Delta SkyMiles® Gold Business American Express Card

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$600

Calculator

Annual Fee: $99

Calculator
Estimated Bonus Value :

$600

Offer: Earn 50,000 Bonus Miles after spending $2,000 within 3 months. Terms apply. (Rates and Fees)

With the Delta SkyMiles® Gold Business American Express Card, you'll get your first checked bag free and priority boarding on Delta.

Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status. Terms apply.

Gold Delta SkyMiles Business Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on shipping with U.S. merchants
  • 2X miles on restaurants worldwide
  • 2X miles on U.S. advertising in select media (online, TV)
  • 1X miles on everything else

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 50,000 Bonus Miles after spending $2,000 within 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$600

Calculator

Annual Fee: $250

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Estimated Bonus Value :

$600

Offer: Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) when you spend $2,000 in your first 3 months. Terms Apply. (Rates and Fees)

With the Delta SkyMiles® Platinum American Express Card, you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Platinum Bonus Categories

  • Earn 3X miles on Delta purchases
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 2X miles at U.S. supermarkets
  • Earn 2X miles at restaurants, worldwide
  • Terms apply

Additional Delta Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) when you spend $2,000 in your first 3 months. Terms Apply. (Rates and Fees)
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Estimated Bonus Value :

$600

Calculator

Annual Fee: $550

Calculator
Estimated Bonus Value :

$600

Offer: Earn 50,000 Bonus Miles plus 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months. Terms Apply. (Rates and Fees)

The Delta SkyMiles® Reserve American Express Card gets an annual domestic companion certificate in any class, including First and Business, plus your first checked bag free and priority boarding on Delta. Moreover, it includes Delta SkyCub membership with an annual fee ($550) that is only $5 more than buying a Delta SkyClub membership on your own!

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds: Get 15,000 MQMs and 15,000 bonus miles when you spend $30,000 in a calendar year - up to 4 times per year! Terms apply.

Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Earn Rate:

  • Earn 3X miles on Delta purchases

Primary Benefits:

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
  • Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 50,000 Bonus Miles plus 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months. Terms Apply. (Rates and Fees)
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Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: $500 when you spend $4,500 in 3 months

This no-fee business card offers 1.5% cash back on all purchases.

You'll also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Offer: $500 when you spend $4,500 in 3 months
Credit card
Estimated Bonus Value :

$500

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Earn 100,000 Hilton Honors Points when you spend $1,000 in your first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on purchases at any of the Hilton family hotels in the first 12 months of Membership. Terms apply. (Rates and Fees)

The no-annual fee Hilton Honors American Express Card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*. Terms apply.

*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.)

NOTE: For the purposes of calculating your expected rewards, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Earn 100,000 Hilton Honors Points when you spend $1,000 in your first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on purchases at any of the Hilton family hotels in the first 12 months of Membership. Terms apply. (Rates and Fees)
Credit card

US Bank Altitude® Connect Review

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$500

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Annual Fee: $95

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Estimated Bonus Value :

$500

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

Card Features:

  • 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
  • 2X points at grocery stores and on grocery delivery
  • 2X points for dining (at a restaurant or via delivery)
  • 2X points on streaming services
  • 1X point per dollar on all other eligible purchases
  • Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
  • Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
  • TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
  • No Foreign Transaction Fees.

US Bank Altitude Connect Credit Card Review

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days
Credit card
Estimated Bonus Value :

$500

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$500

Offer: Get $500 when you spend $3,000 in your first 90 days

The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.

You also get a 25% bonus each anniversary of your prior year's rewards, up to $250.

There's no annual fee, no foreign transactions fees, and it offers complimentary secondary cell phone protection.

Offer: Get $500 when you spend $3,000 in your first 90 days
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Estimated Bonus Value :

$500

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Annual Fee: $0

Calculator
Estimated Bonus Value :

$500

Offer: Get $500 when you spend $4,500 in your first 150 days

The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations including EV charging stations, office supplies or cell phone service or at restaurants.

You will earn 3% cash back on all four of these categories with no cap.

Also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

No annual fee.

Offer: Get $500 when you spend $4,500 in your first 150 days
Credit card

Delta SkyMiles® Gold American Express Card

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$480

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Annual Fee: $99

Calculator
Estimated Bonus Value :

$480

Offer: Earn 40,000 bonus miles when you spend $1,000 in your first 3 months. Terms Apply. (Rates and Fees)

With the Delta SkyMiles® Gold American Express Card, get your first checked bag free and priority boarding on Delta. It also earns 2x miles on Delta spend. More serious Delta flyers should consider the Platinum Delta SkyMiles Credit Card from American Express.

Gold Delta SkyMiles Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on U.S. supermarkets
  • 2X miles on restaurants worldwide
  • 1X miles on all other eligible purchases

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year. Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 40,000 bonus miles when you spend $1,000 in your first 3 months. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$350

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Annual Fee: $95

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Estimated Bonus Value :

$350

Offer: Earn $350 as a statement credit when you spend $3,000 within 6 months. Terms apply. (Rates and Fees)

The Blue Cash Preferred® Card from American Express offers fantastic bonuses on U.S. supermarkets and U.S. gas stations.

This may be the best cash back card for groceries and gas combined, with 6% back on US supermarkets (up to $6,000 a year; 1% thereafter) and U.S. streaming services plus 3% back on U.S. gas and transit (bus, train, ferry, etc). Terms apply.

o% Introductory APR (Includes Balance Transfers)

Get a 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%. (Rates and Fees)

Additional Disney Benefit

Get $7 per month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription for the Disney Bundle (includes Disney+, Hulu, and ESPN+)

* American Express defines a supermarket as a store 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.)

Note on the 3% cash back on transit: It does not include cruises, airfare, or other standard "travel" categories. The YourBestCreditCards tool classifies this in the Other Travel category. See site for details. Terms apply.

Offer: Earn $350 as a statement credit when you spend $3,000 within 6 months. Terms apply. (Rates and Fees)
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Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$320

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Annual Fee: $0

Calculator
Estimated Bonus Value :

$320

Offer: Get 20,000 bonus points when you spend $1,500 within your first 3 months plus, for a limited time, earn 5 points per dollar spent on air travel and hotels up to $6,000 in your first 12 months (1 point per dollar thereafter).

o% APR Offer - Balance Transfers

Get a 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 20,000 bonus points when you spend $1,500 within your first 3 months plus, for a limited time, earn 5 points per dollar spent on air travel and hotels up to $6,000 in your first 12 months (1 point per dollar thereafter).
Credit card
Estimated Bonus Value :

$320

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$320

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $1,500 within 6 months

The Citi Custom Cash card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.

Assuming you do, then these should combine to your overall ThankYou pool once linked.

You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.

The eligible spend categories are:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment.

You'll earn an unlimited 1% cash back on all other purchases.

The 5X applies to your top category each month.

O% Intro APR Offer - New Purchases and Balance Transfers

You'll get 15 months at 0% for both new purchases and, if you choose, balance transfers. After that, the variable APR will be 16.24% - 26.24%.

Please note: If you are finding this card in your results for our Rewards Optimization tool, due to system limitations the tool will calculate a maximum of $6,000 per year for your top categories at 5%, but it will not factor in exact monthly spend.

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $1,500 within 6 months
Credit card
Estimated Bonus Value :

$320

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Annual Fee: $0

Calculator
Estimated Bonus Value :

$320

Offer: 20,000 miles when you spend $500 within 3 months

This no-fee card offers 1.25x on all purchases.

Compare this card with the standard Venture which earns 2x miles on all purchases. Spend your miles on travel at a penny per mile or transfer them to more than a dozen airlines.

Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.

The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use to book travel, the early spend bonus value will be $200, exactly.

You can transfer to more than 15 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: 20,000 miles when you spend $500 within 3 months
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Estimated Bonus Value :

$255

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Annual Fee: $0

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Estimated Bonus Value :

$255

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)

Highly Recommended: Earn 2x Membership Rewards points on everything with the Blue Business® Plus Credit Card - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.

Intro 0% APR - 0% introductory APR on purchases for 12 months, then 16.24% - 24.24% (Rates and Fees)

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)
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Estimated Bonus Value :

$250

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Annual Fee: $0

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Estimated Bonus Value :

$250

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)

The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee.

0% Intro APR

0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)
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Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Earn $200 as a statement credit when you spend $2,000 within 6 months. Terms apply. (Rates and Fees)

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

The Blue Cash Everyday has bonus cashback on groceries, online retail, and gas.

  • Earn 3% cash back at US supermarkets* for up to $6,000 in annual purchases; then 1%.
  • Earn 3 % on online retail purchases up to $6,000 annually, then 1%.
  • Earn 3% cash back at US gas stations, up to $6,000 annually, then 1%.
  • Earn 1% cash back on everything else.
  • Terms apply.

*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.)

Additional Blue Cash Preferred Benefits

  • The Disney Bundle: Get $7 back each month after using your Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. (Shipping available in the contiguous US only.)

0% Intro APR

Get a 0% APR on new purchases and balance transfers for 15 months starting when you are approved for the Blue Cash Everyday card; then 16.99% to 27.99% variable APR  (Rates and Fees)

Offer: Earn $200 as a statement credit when you spend $2,000 within 6 months. Terms apply. (Rates and Fees)
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Estimated Bonus Value :

$200

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.
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Estimated Bonus Value :

$200

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Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months.

This no-fee card offers food and entertainment-centric cash back bonus categories.

Get 3% on dining, 3% on streaming, 3% on entertainment, 3% at grocery stores (excluding superstores like Walmart(R) and Target®) and 1% everywhere else. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.

Also, earn 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months.
Credit card

Citi Double Cash Card

Annual Fee: $0

Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: $200 (which will be in the form of 20,000 ThankYou points) when you spend $1,500 within 6 months.

The Citi Double Cash credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back in a slightly different way.

You will earn 1% cash back twice: first when you make the charge, then when you pay. That's 2% total.

Cash back will be earned in the form of ThankYou Points, redeemable for cash or combinable with your other ThankYou points.

You can redeem your points directly for cash or you can convert Double Cash points to JetBlue. And if you have a Citi Premier or Citi Prestige, then you can also transfer them to Citi's participating travel loyalty programs at a 1:1 ratio, making this card worth a look for points and cash aficionados alike.

Balance Transfer Offer

0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.

Offer: $200 (which will be in the form of 20,000 ThankYou points) when you spend $1,500 within 6 months.
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Estimated Bonus Value :

$200

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$100

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$100

Offer: Limited Time Offer: You'll earn $100 after you spend $100 in your first three months

The Capital One Quicksilver Student Cash Rewards Credit Card is a version of the Quicksilver card designed for students.

Quicksilver Student Cash Rewards Earn Rate

It earns 1.5% cash back on all purchases + 5% on hotel and car rentals booked through Capital One Travel.

Capital One Quicksilver Student Cash Rewards Review

A nice feature of this card is that Capital One does not charge foreign transaction fees.

If you don't already have a card that waives these fees, this card is a nice one to have in your wallet for international travel.

If you have good credit and are not enrolled as a student, you should apply for the Capital One Quicksilver instead.

Offer: Limited Time Offer: You'll earn $100 after you spend $100 in your first three months
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Offer: This card does not have a bonus offer at this time.

Review: For Costco members seeking pure cash back, this credit card is hard to beat!

Costco Business credit card earn rate and benefits:

  • This Costco Business credit card earns 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year.
  • Earn 3% cash back at restaurants and on travel.
  • Earn 2% cash back at Costco.
  • Get 1% cash back on everything else.
  • No foreign transaction fees.

The cashback will be awarded as an annual credit card reward certificate, redeemable for cash or merchandise at U.S. Costco warehouses, (including Puerto Rico). The certificate will be included in your February billing statement and expires on December 31st of the year issued.

** Requires a Costco membership **"

Offer: This card does not have a bonus offer at this time.
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Annual Fee: $39

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The Quicksilver One is a version of the Quicksilver card designed for those with Average credit and who may not qualify for the Quicksilver card. It earns 1.5% cash back on all purchases.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Offer: None at this time
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Designed with students in mind, this no-fee card offers 1% cash back on everything, plus a .25% bonus when you pay on time, for a total of 1.25%.

You only need average credit to qualify and it comes with nice extras that other student cards might not have, like no foreign transaction fees.

A solid starter card to build your credit from.

NOTE: Our calculator assumes you will make on-time payments, for the full 1.25% cash back. Your rewards will be less if you do not pay on-time.

Offer: None at this time
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This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, including EV charging stations, both at Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
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Annual Fee: $0

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The Citi Diamond Preferred credit card isn't about travel rewards. It's designed for those that want to take advantage of its 12 month long 0% intro APR and 21 month Balance Transfer offers.

Citi Diamond Preferred 0% APR Balance Transfer Offer:

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Offer: None at this time
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Jasper Mastercard®

Annual Fee: $0

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Annual Fee: $0

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Offer: None

If you don't already have a credit history in the United States, likely because you are a new arrival without a Social Security Number, you are in the awkward position of trying to prove to US credit card companies that you are credit worthy.

The Jasper Mastercard® is designed just for you, with credit lines up to $5,000. 

Your on-time payments will be reported to US credit bureaus, which will help you build your US credit history. 

There are no annual fees, and you can even add Jasper to your mobile wallet like any other Mastercard. 

A Jasper rewards program is coming soon, but for right now you will not earn any rewards or cash back.

Offer: None
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Offer: Get 1 year of free Amazon Prime Student after spending $500 in your first three billing cycles with your new EDU card (Lifetime Value of $59).

The Deserve EDU credit card is designed for students looking to build their credit profile while still earning 1% back in rewards.

Deserve EDU Review, Features and Benefits

  • Amazon Prime Student free for one year after your first purchase.
  • Cell Phone Protection (Up to $600 a year; see terms)
  • Car rental Collision Damage Waiver (CDW) coverage (see terms)
  • No annual fees
  • No foreign transaction fees
  • No Social Security Number is required to apply if you are an international student in the US. (Build your US Credit!)
  • Earn 1% Cash Back on all purchases with your Deserve Mastercard
Offer: Get 1 year of free Amazon Prime Student after spending $500 in your first three billing cycles with your new EDU card (Lifetime Value of $59).
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Citi Secured Credit Card

Annual Fee: $0

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Annual Fee: $0

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Offer: No bonus offer is available at this time.

The Citi Secured card is for people with limited or no credit history that cannot be approved for a traditional credit card.

You will need to make a security deposit of at least $200 and your credit line will be equal to the amount of security deposit that you give.

The Citi Secured card can be used anywhere that Mastercard is accepted.

This credit card does not earn rewards or cash back.

Offer: No bonus offer is available at this time.
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Earn 1.5% back as Bitcoin.

This is a super simple credit card designed for those that want to earn their cash back as crypto without having to convert and buy later.

With no foreign transaction fees, this card is that simple: as you spend, you'll earn 1.5% back in rewards that automatically are used to purchase Bitcoin.

They also note the following: Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit.

Offer: None at this time

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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