LVA Travel’s Favorite Cards
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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.
Learn more, read: Credit Card Bonus – Two Big Deals – Up To $1000 Bonus (or more, with our “Southwest Loophole”)
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73 Cards Available:
The Business Platinum Card® from American Express
Annual Fee:
$695
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$2,040
Annual Fee:
$695
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$2,040
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.
Chase Ink Business Preferred® Credit Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,750
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,750
The Chase Ink Business Preferred® Credit Card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.
If your business spends a lot in any of these categories, you can earn a ton of points.
It also earns 5X Ultimate Rewards points on Lyft rides.
You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.
Chase Ink Business Unlimited® Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,575
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,575
The simplest of the Chase Business cards, the Chase Ink Business Unlimited® Credit Card earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2025.
It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.
0% APR Intro Offer
Get 12 months of 0% Interest (16.24%–22.24% thereafter) on purchases on your new card account for 12 months (Terms apply).
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $750.
Chase Ink Business Cash® Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,575
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,575
The Chase Ink Business Cash® Credit Card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.
Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.
Get a 0% introductory APR for 12 months on purchases, 16.24%–22.24% thereafter.
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $750.
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,280
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,280
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.
Capital One Venture Rewards Credit Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
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.
Citi® / AAdvantage® Executive World Elite MasterCard®
Annual Fee:
$450
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$450
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
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.
Annual Fee:
$525
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$525
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
- United Club membership
- Two free checked bags for you and one companion traveling in the same reservation paid with your Club Infinite Card.
- Premier Access (including priority boarding, priority check-in, priority baggage handling, etc)
- Premier upgrades on award tickets: If you have MileagePlus® Premier®status and are traveling on an award ticket, you and one companion traveling on the same reservation are eligible for Complimentary Upgrades on select United- and United Express-operated flights, subject to availability.
- Expanded award availability
- Status PQD waiver with $25,000 spend
- Up to $100 in Global Entry / TSA PreCheck fee reimbursements
- 25% back on in-flight United purchases
- No foreign transaction fees
- CLEAR Membership discount ($70 off + 10,000 bonus miles for signing up by June 30, 2022)
- IHG Rewards Platinum status
- $75 IHG credit: Receive up to $75 in statement credits as reimbursement for IHG purchases charged to your card between January 1, 2022, and December 31, 2022.
- Get one-year of complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by 12/31/24. After the trial period, you will be automatically enrolled in DashPass at the current monthly rate.
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 4X. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.
Capital One Venture X Credit Card
Annual Fee:
$395
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$395
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
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 (Effective January 1, 2023, Priority Pass non-lounge airport experiences (like dining, retail shopping and spa discounts) are not part of the Visa Infinite® benefit program for Venture X cardholders.)
- 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.
American Express® Business Gold Card
Annual Fee:
$295
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,190
Annual Fee:
$295
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,190
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.
British Airways Visa Signature Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
This card earns 3x Avios on British Airways, Iberia, LEVEL, and Air Lingus and 2x Avios on hotels booked directly with the hotel.
Also receive 10% off all British Airways flights that originate in the United States. (Must book through a special website provided with your new card.)
Earn a Travel Together Ticket, good for bringing a companion for just the taxes and fees when you redeem a reward flight for yourself, when you spend $30,000.
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on British Airways, Iberia, LEVEL, and Aer Lingus. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.
Iberia Visa Signature Credit Card
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
The Iberia credit card offers yet another way to earn Avios, even if you already carry the British Airways credit card.
Iberia Credit Card Earn Rate
- Earn 3 Avios per dollar pent on British Airways, Iberia, LEVEL, and Air Lingus purchases
- Earn 2 Avios per dollar spent on hotel accommodations
- Earn 1 Avios per dollar spent on any other purchases.
Iberia Credit Card Benefits
- 10% off of any Iberia flight. (Must buy the flights at Iberia.com/Chase10 using your Iberia Visa card)
- When you spend $30K on purchases on your Iberia Visa card in a year, you'll receive a discount voucher of $1,000 to use toward two tickets on the same flight.
- No foreign transaction fees
- Using this card at least once every 36 months (or any Avios transaction) will keep your Avios from expiring
- Avios can be transferred into British Airways Avios or Aer Lingus Avios via Avios.com.
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on Iberia, which earns 3X Avios. If part of that spend is on other airlines, that spend will earn only 1X on this card, reducing the value of your rewards.
Aer Lingus Visa Signature Credit Card
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,150
The Aer Lingus credit card offers yet another way to earn Avios, even if you already carry the British Airways credit card.
Iberia Credit Card Earn Rate
- Earn 3 Avios per dollar pent on Aer Lingus, British Airways, Iberia, and LEVEL purchases.
- Earn 2 Avios per dollar spent on hotel accommodations
- Earn 1 Avios per dollar spent on any other purchases.
Aer Lingus Credit Card Benefits
- When you spend $30K on purchases on your Aer Lingus Visa card in a year, you'll receive a discount voucher of $1,000 to use toward two tickets on the same flight.
- No foreign transaction fees
- Using this card at least once every 36 months (or any Avios transaction) will keep your Avios from expiring
- Avios can be transferred into British Airways Avios or Iberia Avios via Avios.com.
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on Aer Lingus, which earns 3X Avios. If part of that spend is on other airlines, that spend will earn only 1X on this card, reducing the value of your rewards.
Southwest® Rapid Rewards® Performance Business Credit Card
Annual Fee:
$199
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,120
Annual Fee:
$199
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,120
The Southwest® Rapid Rewards® Performance Business Credit Card card is all about being half of the one-two card combo needed to earn Southwest Companion Pass for two years with just two credit cards.
The premium version of the Southwest Rapid Rewards Premier Business Credit Card, this card offers 9,000 bonus Rapid Rewards points each cardmember anniversary, has multiple spending bonus categories, and includes benefits like 4 upgraded boardings per year, in-flight Wifi credits and Global Entry / PreCheck fee credits.
Full list of features and benefits:
- 4X points on Southwest Airlines
- 2X points on social media / search engine advertising, Internet, cable and phone services.
- 2X points on local transit and commuting purchases, including rideshares (like Uber and Lyft)
- 1 point per $1 spent on all other purchases.
- 9,000 bonus points each year after your Cardmember anniversary.
- $500 fee credit each year towards Rapid Rewards transfers
- Unlimited Tier Qualifying points (TQPs) towards A-List status (previously maxed out at $100,000 in spend / 15,000 points)
- 4 Upgraded Boardings per year when available
- Inflight WiFi Credits
- Global Entry or TSA Pre✓® Fee Credit
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 4x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Chase Sapphire Reserve® Review
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$550
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve® is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.
It offers 3X Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal or via Pay Yourself Back, and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.
If you don't mind booking your hotel stays via the Chase Travel portal, you will earn an incredible 10X points, although as a prepaid rate you won't receive hotel chain status benefits.
Earn Rate:
- 10X total points on hotel stays and car rentals purchased through Ultimate Rewards
- 10X Ultimate Rewards points on Lyft rides thrugh March 2025
- 5X total points on air travel purchased through Ultimate Rewards
- 3X Ultimate Rewards points on travel and dining
- 10x total points on Chase Dining purchases through Ultimate Rewards (This is powered by Tock Dining and is only in select markets)
- 1X points on all other purchases
Important Note on the 5X multiplier for airfare and 10X multiplier for hotels and car rentals: You will only receive these bonus multipliers if you book your travel via the Chase Ultimate Rewards Travel portal (using cash). Hotels booked via the portal are prepaid will not earn hotel points or provide hotel loyalty program benefits. If you book travel directly with a provider, you will earn 3X instead of 5X or 10X.
Lyft Benefits:
- Earn 10X Ultimate Rewards points on Lyft rides through March 2025.
- 2 years of complimentary Lyft Pink All Access
Instacart Benefits
- 12 free months of Instacart Express
- $15/month in statement credits
Chase Sapphire Reserve® Card DoorDash Benefits
You'll get free access to DashPass which gives you $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Also receive $5 monthly DoorDash Credits through December 31, 2024.
Global Entry or TSA Pre ® or NEXUS fee credit
You can also receive up to a $100 credit for enrollment in Global Entry or PreCheck once every 5 years.
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Reserve cardmembers can always use their points to book travel via the travel portal where they get 1.5 cents per point.
Now, you can redeem in the same manner for select purchase categories. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.5 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
Southwest Rapid Rewards® Plus Credit Card
Annual Fee:
$69
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$69
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
The Southwest Rapid Rewards® Plus Credit Card is the entry-level Chase Southwest card and has the lowest annual fee of the three. Get 2X points on Southwest flights and 3,000 points per card anniversary in exchange for your annual fee each year, plus:
- 2X points on local transit and commuting purchases, including rideshares (like Uber and Lyft)
- 2X points on internet, cable, phone, and select streaming
- 2 EarlyBird Check-Ins per year (Worth $15-$25 each)
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Southwest Rapid Rewards® Premier Credit Card
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
The Southwest Rapid Rewards® Premier Credit Card is the mid-level personal Southwest card with a modest annual fee. Get 6,000 points per card anniversary and 3x points on Southwest flights.
- 3X points on Southwest purchases (up from 2X)
- 2X points on local transit and commuting purchases, including rideshares (like Uber and Lyft)
- 2X points on internet, cable, phone, and select streaming
- 2 EarlyBird Check-Ins per year (Worth $15-$25 each)
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Southwest Rapid Rewards® Priority Credit Card
Annual Fee:
$149
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$149
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
The Southwest Rapid Rewards® Priority Credit Card is a premium-level Southwest card comes with extra benefits for loyal Southwest flyers. Get 7,500 points, a $75 Southwest credit, and 4 upgraded boarding positions each card anniversary.
- 3X points on Southwest purchases
- 2X points on local transit and commuting purchases, including rideshares (like Uber and Lyft)
- 2X points on internet, cable, phone, and select streaming
- Unlimited Tier Qualifying points (TQPs) towards A-List status - 1,500 Tier qualifying points for every $10,000 that you spend on the card
- 7,500 Rapid Rewards points each year on your card anniversary. Based on our 1.4 cent value, those points along are worth $105 toward Southwest Airlines flights.
- A $75 annual Southwest travel credit. Just charge your Southwest flight to your credit card and Chase will automatically reimburse you. The credit renews every year after your card anniversary date.
- 4 Upgraded Boardings per year. Southwest is a first-come, first-served system for boarding. The earlier you check in, the better your boarding position. But upgraded boardings allow you to skip the cattle car process, automatically giving you an A1-A15 position. Normally, you need to pay for these boarding spots, but the card will reimburse you for the first four that you purchase.
- No foreign transaction fees. You won’t pay any foreign transaction fees when you use the card to make purchases abroad.
- 20% back on all inflight purchases. That includes WiFi, as well.
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Chase Sapphire Preferred® Card Review
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Perhaps the best "starting out card" in miles and points.
The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.
Chase Sapphire Preferred Card Earn Rate:
- 5X Chase Ultimate Rewards points on Lyft rides (through March 2025)
- 5X total points on all travel purchased through Chase Ultimate Rewards
- 3X points on dining, including eligible delivery services, takeout and dining out.
- 3X points on select streaming services
- 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs)
- 2X Ultimate Rewards points on all travel purchases
- 1X points on all other purchases
Important Note on the 5X multiplier for travel: This card is listed as earning 5X on travel. You will only receive 5X if you book your travel via the Chase Ultimate Rewards Travel portal (using cash). Hotels booked via the portal are prepaid will not earn hotel points or provide hotel loyalty program benefits. If you book travel directly with a provider, you will earn 2X instead of 5X.
Instacart Benefits
- 6 free months of Instacart Express
- $15/quarter in statement credits
Chase Sapphire Preferred® Card DoorDash Benefits
You'll get free access to DashPass which gives you $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.
Now, you can redeem in the same manner for selected rotating categories. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase.
Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.
If you apply for a Chase credit card and don't get an instant approval, you may want to call the Chase reconsideration line.
Note: You will only be approved for a Chase credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.
You also cannot be approved for a Sapphire Preferred if you currently have this card or a Sapphire Reserve card and/or if you have received a bonus on this card in the past 48 months.
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,050
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.
American Express® Gold Card / Rose Gold Card
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,020
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,020
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.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$975
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.
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$960
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$960
United Quest Earn Rate
- 3X United miles on United purchases.
- 2X on other travel (like air, hotel, and car rentals). (Recall, though, that you can earn 3X points on any airline in the world with a Chase Sapphire Reserve or 2X on any airline in the world with a $95 annual fee Chase Sapphire Preferred.
- 2X miles on dining and streaming services.
- Everything else earns just 1 mile per dollar.
United Quest Benefits
- Two 5,000 mile award flight credits each year after account anniversary. Essentially, you will get 5,000 miles “back” after you book an award flight.
- $125 annual United purchase credit. This is a statement credit against UA purchases like airfare as well as things you can buy that are related to a flight, like checked bag fees, upgrades, seats, and Wifi.
- Earn 500 PQP for every $12,000 in card spend, up to 3,000 PQP in a Calendar Year - valid up to 1K status as long as the required PQF requirements are also met.
- 2 free checked bags
- Priority boarding
- $100 in Global Entry or TSA Precheck once every 4 years.
- No foreign transaction fees
- Premier upgrades on award tickets. Prioritized after the lowest paid fare class, a Premier member with this card will get upgraded on award tickets.
- 25% statement credit on onboard purchases (food, drinks, and wifi)
- Trip Cancellation / Interruption insurance
- Trip Delay reimbursement
- Primary car rental collision / damage waiver
- Purchase protection
- Roadside assistance
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 3X. Other airfare earns 2X. If part of that spend is on other airlines, that spend will earn only 2x on this card, reducing the value of your rewards.
World of Hyatt Business Credit Card
Annual Fee:
$199
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$960
Annual Fee:
$199
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$960
The World of Hyatt Business card gives you Discoverist status, 5 elite nights for every $10,000 you spend, and 2X points on a range of common business spending categories.
World of Hyatt Business Credit Card Earn Rate
- Earn a total of 2 points per $1 spent for the top three of eight spend categories you spend on each calendar quarter through Dec. 31, 2022; and the top two of eight spend categories in 2023 and beyond—with no cap.
- The qualifying spend categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping.
- Stays at World of Hyatt hotels earn 4X points per dollar.
- Fitness club and gym memberships earn 2X points per dollar.
- Everything else earns 1 point per dollar spent.
Click on Card Details for all the benefits of the World of Hyatt Business Credit Card.
Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.
NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
Allows for a free checked bag, priority boarding, 2 United Club one-time passes each card anniversary, the Luxury Hotel and Resort Collection, access to United MileagePlus events, and expanded economy award availability.
The United Business Card offers bonus categories of 2x on office supply stores, restaurants, and gas stations, local transit and commuting, including taxicabs, mass transit, tolls, and ride share services as well as on United itself, of course. It also offers 10,000 bonus miles and a PQD waiver upon spending $25,000.
Perhaps best of all, cardholders get access to expanded saver award availability.
Additional benefits:
- $100 annual United travel credit after 7 United purchases over $100
- Receive 5,000 bonus miles each card anniversary if you have both the United Business card and a personal United credit card
- Get 25% back on United inflight purchases
Need to Know: The calculations for this card assume that your "airfare" spend is on United only. If a portion of your airline spend is on other airlines, your reward values will be slightly lower than stated.
Also, if you used our rewards optimizer tool and are seeing this in your results, "Other Travel" refers to local transit and commuting - including taxis, mass transit, tolls, and ride share services.
Bonus Eligibility:
This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.
Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.
Also Note: You will only be approved for a Chase card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.
Marriott Bonvoy Brilliant® American Express® Card
Annual Fee:
$650
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
Annual Fee:
$650
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$900
With the Marriott Bonvoy Brilliant™ American Express® Card, you'll receive Marriott Platinum status and 25 elite nights credits every year.
Marriott Bonvoy Platinum status gets you free breakfast (or Executive Lounge access and free breakfast in the Executive lounge if the hotel has one) at most full service Bonvoy properties (Ritz Carlton and EDITION are excluded). You also get a guaranteed 4pm late checkout at all Bonvoy hotels unless they are a resort or conference hotel.
This card earns Marriott Bonvoy points for purchases:
- 6x points at Marriott hotels
- 3x points at restaurants worldwide and on flights booked directly with airlines
- 2x points on all other eligible purchases.
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.
Southwest® Rapid Rewards® Premier Business Credit Card
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
The Southwest® Rapid Rewards® Premier Business Credit Card is useful in conjunction with a personal card bonus to get the Southwest Companion Pass, since you can get one of each bonus and exceed the required 125,000 points for Companion Pass.
Full list of features and benefits:
- 3X points on Southwest purchases
- 2X points on local transit and commuting purchases, including rideshares (like Uber and Lyft)
- $500 fee credit each year towards Rapid Rewards transfers
- 2 EarlyBird Check-Ins per year (Worth $15-$25 each)
- 6,000 bonus points on your card anniversary.
- No foreign transaction fees.
- Tier qualifying points. For every $10,000 points that you spend, you’ll receive 1,500 tier qualifying points. Up to $100,000 per year.
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Capital One Spark Miles for Business
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$800
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$800
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.
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
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.
Marriott Bonvoy Bevy™ American Express® Card
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$750
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.
Delta SkyMiles® Platinum Business American Express Card
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
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.
Delta SkyMiles® Reserve Business American Express Credit Card
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
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.
Delta SkyMiles® Platinum American Express Card
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
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.
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
United Explorer cardholders get free checked bag for you and a companion (must pay with card) and priority boarding on United flights.
- You'll also get two one-time United Club passes per cardmember year, access to the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus Events.
- You can earn a PQD status waiver with $25,000 spend and, best of all, this card entitles you to expanded saver economy award availability on United flights.
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit: You can receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
- Get one-year of complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by 12/31/24. After the trial period, you will be automatically enrolled in DashPass at the current monthly rate.
Includes Primary Rental Car Collision Damage Waiver (CDW) Coverage
The coverage is Primary, so you won't have to involve your own insurance as long as you reserve and pay for the rental with this card (see issuer website for all terms).
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on United 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.
IHG Rewards Premier Credit Card
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
IHG Rewards Premier Credit Card Earn Rates
- 10X IHG bonus points when staying at IHG properties (That’s up to 26 total points per $ spent when factoring in IHG Rewards earnings when you stay).
- 5X points for all travel
- 5X points at gas stations
- 5X points for dining / take out / delivery
- 3X points for all other eligible purchases
IHG properties include: InterContinental® Hotels & Resorts, InterContinental Alliance®Resorts, Crowne Plaza®, Hotel Indigo®, Holiday Inn®, Holiday Inn Express®, Holiday Inn Resort®, Holiday Inn Club Vacations®, Staybridge Suites®, Candlewood Suites®, EVEN™ Hotels and HUALUXE™
Additional IHG Premier credit card benefits:
- IHG Platinum Status
- An annual anniversary free night (up to 40,000 points, but you can "top up" with additional IHG Rewards points from your account for a more expensive reward)
- The fourth reward night free whenever you redeem for 4 or more nights.
- Earn 10,000 bonus points and a $100 statement credit when you spend $20,000 plus one additional purchase each card year.
- Receive up to $50 in United Airlines TravelBank cash each year.
- Spend your way to Diamond Status with $40,000 in purchases plus one additional purchase in a calendar year.
- Get up to $800 per claim in cell phone protection against covered theft or damage (see issuer site for details and deductibles).
- No foreign transaction fees.
NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.
Delta SkyMiles® Reserve American Express Card
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$720
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.
The Hilton Honors American Express Business Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$650
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$650
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.
Hilton Honors Surpass® Credit Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$650
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$650
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 Night Award (valid on any Standard Room award at nearly every Hilton affiliated property in the world) via $15,000 in annual 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.
Delta SkyMiles® Gold Business American Express Card
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
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.
Delta SkyMiles® Gold American Express Card
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
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.
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$560
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$560
The IHG Premier Business Card is a great choice for business travelers that stay at IHG Rewards hotels often as it comes with a range of perks.
IHG Rewards Club Premier Business Credit Card Earn Rates
- 10X IHG bonus points when staying at IHG properties.
- 5X points for all travel
- 5X points at gas stations
- 5X points for dining / take out / delivery
- 5X points for social media and search engine advertising
- 3X points for all other purchases
IHG properties include: InterContinental® Hotels & Resorts, InterContinental Alliance®Resorts, Crowne Plaza®, Hotel Indigo®, Holiday Inn®, Holiday Inn Express®, Holiday Inn Resort®, Holiday Inn Club Vacations®, Staybridge Suites®, Candlewood Suites®, EVEN™ Hotels and HUALUXE™
Additional IHG credit card benefits:
- IHG Platinum Status
- An annual anniversary free night (up to 40,000 points, but you can "top off" with additional points).
- The fourth reward night free whenever you redeem for 4 or more nights.
- Earn 10,000 bonus points and a $100 statement credit when you spend $20,000 plus one additional purchase each year.
- Earn an additional free night (up to 40,000 points) each calendar year when you spend $60,000 plus one additional purchase.
- Receive Diamond (top tier) elite status when you spend $40,000 plus one additional purchase in a calendar year.
- Receive up to $50 each year in United Airlines TravelBank Cash.
- Get a Global Entry / TSA PreCheck Fee Credit (up to $100 every 4 years).
- No foreign transaction fee.
NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.
Hilton Honors American Express Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
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.
US Bank Altitude® Connect Review
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
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.
US Bank Business Cash Rewards World Elite Mastercard
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
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.
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
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.
Annual Fee:
$150
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$150
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
The new Capital One Spark Cash Plus replaces the older Spark Cash card and earns 2% cash back on everything. The primary difference is that the new Spark Cash Plus is a charge card with no preset spending limit, making it ideal for companies that spend a lot on their cards and tend to run into issues with credit limits.
Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$480
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$480
Earn 4x World of Hyatt points at Hyatt, 2x at restaurants, airline tickets purchased directly, local transit and commuting, and fitness club and gym memberships.
The Hyatt card gives you a Category 1 - 4 night every card year at renewal and you can earn a second one with $15,000 spend. Additional benefits include automatic Discoverist status and 5 elite nights credited each calendar year as well as the ability to earn 2 elite nights for every $5,000 in purchases.
Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.
NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.
Marriott Bonvoy Business® American Express® Card
Annual Fee:
$125
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$450
Annual Fee:
$125
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$450
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.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$350
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$350
The Chase Freedom Flex is the evolution of the Chase Freedom card, long a staple of the Chase card portfolio.
0% APR Intro Offer:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
The Freedom Flex takes the best part of the Chase Freedom (rotating quarterly 5X bonus categories) and adds a ton of new features:
Chase Freedom Flex Earn Rate:
- 5X on travel when purchased through the Chase Ultimate Rewards portal*
- 5X on rotating quarterly bonus categories (max of $1,500 per quarter in spend; activation required – same as existing Freedom card)
- 5X on Lyft rides through March 2025
- 3X on dining (including takeout and delivery)
- 3X at drugstores
- 1X on everything else
(* Keep in mind, booking via the portal for hotels means that you won’t, in most cases, earn any hotel points / stay credits nor have any hotel elite status honored. For airlines, the fares are generally the same or similar, however, it does mean that you have to deal with Chase for changes instead of the airline directly – and that can be a big hassle.)
Instacart Benefits
- 3 free months of Instacart Express
- $10/quarter in statement credits
Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
o% APR Offer - Balance Transfers
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 17.24% - 27.24%, 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.
IHG Rewards Club Traveler Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.
The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).
This card still gives you the 4th Night Free on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.
IHG Rewards Club Traveler Credit Card Earn Rates
- 5X per dollar spent at IHG properties
- 3X points per dollar on utilities
- 3X points per dollar on cable, Internet, and phone
- 3X points per dollar on select streaming services
- 3X points per dollar for dining
- 3X points per dollar for gas stations
- 2X points on all other eligible spend
Additional IHG Rewards Club Traveler benefits:
- The fourth reward night free whenever you redeem for 4 or more nights.
- Earn 10,000 bonus points when you spend $10,000 in a calendar year.
- No foreign transaction fees
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
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
0% Intro APR on balance transfers and purchases for 15 months.
After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
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.
Capital One VentureOne Rewards Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$320
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.
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Blue Business® Plus Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$255
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$255
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 16.99% - 24.99% (Rates and Fees)
Blue Cash Everyday® Card from American Express
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
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 17.74% - 28.74% variable APR (Rates and Fees)
Blue Cash Preferred® Card from American Express
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
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 17.74% to 28.74%. (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.
American Express Blue Business Cash™ Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$250
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, 16.99% - 24.99%, based on your creditworthiness and other factors as determined at the time of account opening.
Capital One Quicksilver Cash Rewards Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Capital One SavorOne Cash Rewards Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
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.
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; 17.99%-27.99% (Variable) APR after that; 3% fee on the amounts transferred within the first 15 months
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
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.
Instacart Mastercard® Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$200
Instacart Mastercard Earn Rate
- 5% cash back for Instacart purchases made through the Instacart app or at Instacart.com
- 5% cash back for all travel purchased through the Chase Travel Center (only - direct bookings with airlines, hotels, etc do not qualify).
- 2% cash back at restaurants
- 2% cash back at gas stations
- 2% cash back on streaming services
- 1% cash back for all other purchases
If you are looking for a powerful card for all supermarket purchases, you'd be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets.
But if you are loyal to Instacart, this card is worth considering.
American Airlines AAdvantage MileUp Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$150
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$150
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.
Delta SkyMiles® Blue American Express Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$120
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$120
The Delta SkyMiles® Blue American Express Card has no annual fee and gives you the option to earn 2 bonus Delta SkyMiles on restaurants, as well as on Delta. You'll earn 1 point per dollar spent on everything else. There are no foreign transaction fees, which is somewhat rare for a no-annual fee credit card. Terms apply.
NOTE: This rewards calculator is assuming all of your airline spend is with Delta 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 Delta purchases only.
Costco Anywhere Visa Business Credit Card by Citi Review
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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 **"
Chase Freedom Unlimited Review
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
A no-fee Chase card offering 1.5x Ultimate Rewards points on everything, except as noted below. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.
Chase Freedom Unlimited Rate:
- 5X on travel when purchased through the Chase Ultimate Rewards portal*
- 5X on Lyft until March 2025
- 3X on dining (including takeout and delivery)
- 3X at drugstores
- 1.5X on everything else
NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.
Instacart Benefits
- 3 free months of Instacart Express
- $10/quarter in statement credits
0% Interest APR Intro Offer:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above.
Capital One QuicksilverOne Cash Rewards Credit Card
Annual Fee:
$39
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$39
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Journey Student Rewards from Capital One
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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 17.74% - 27.74%, based on your creditworthiness.
Costco Anywhere Visa Card by Citi
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Citi® Diamond Preferred® Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
The Bilt Rewards Mastercard is the only credit card that lets you pay your rent with no surcharges and earn one point per dollar in the process.
This works with any landlord, up to $50,000 in rent per year as long as you make 5 other purchases per statement cycle.
- Earn up to 1X points on rent payments without the transaction fee, up to 50,000 points each calendar year
- 2X points on travel
- 3X points on dining
- 1X points on other purchases
- Earn points on rent when you make 5 transactions that post each statement period.
- When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian(TM), TransUnion(TM), and Equifax(TM).
Signup Bonus
The card does not have a traditional signup bonus, however, once you are approved you will be sent an email offering you 5X on everything (except rent) for 5 days, up to $10,000.
So, timed well, you could conceivably get a bonus of up to 50,000 points.
Bilt Transfer Partners
- American Airlines AAdvantage
- Aer Lingus Avios
- Air Canada Aeroplan
- Air France Flying Blue
- British Airways Avios
- Cathay Pacific Asia Miles
- Emirates Skywards
- Hawaiian Airlines
- Iberia Avios
- IHG Rewards
- United Airlines MileagePlus
- Turkish Airlines Miles&Smiles
- Virgin Atlantic
- World of Hyatt
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
X =
Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
X =
Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
