Credit Card Rankings
Ranked by First Year Value
All Cards
Personal 
Business 
Airline 
Hotel 
Cash 
Special Offers
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $30,000 | 1.6 ¢ | $620 | $795 |
$2905
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| $300 Travel Credit on Signup & Annually | $500 Edit Hotel Credit, 4x on Flights & Hotels, 3x on Digital Marketing | 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $20,000 | 1.6 ¢ | $380 | $895 |
$2605
|
| Differentiating Perks | Rules |
|---|---|
| Airport Lounges, Hilton & Marriott Gold Status, $800 in Hotel Credits | No CR , No 2nd Biz , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 175,000 | $8,000 | 1.6 ¢ | $482 | $895 |
$2355
|
| Differentiating Perks | Rules |
|---|---|
| Premier Airport Lounges, Hilton & Marriott Gold Status, $800 in Hotel Credits | Amex Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $30,000 | 1.3 ¢ | $0 | $150 |
$2240
|
| Differentiating Perks | Rules |
|---|---|
| 2% Back on Every Purchase. Points Transferable to Miles Cards. | No CR , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 125,000 | $6,000 | 1.6 ¢ | $621 | $795 |
$1802
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| $300 Travel Credit on Signup & Annually | $500 Edit Hotel Credit, 4x on Flights & Hotels, 3x on Dining | 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $6,000 | 1.5 ¢ | $201 | $395 |
$1576
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| 25,000 Global Companion Certificate | Annual 25,000-point Global Companion Cert + 100,000 Cert After $60,000 Spend | B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $6,000 | 1.6 ¢ | $127 | $0 |
$1543
|
| Differentiating Perks | Rules |
|---|---|
| 5X Points at Office Supply Stores, Phone, Internet & Cable Services | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $6,000 | 1.6 ¢ | $25 | $0 |
$1441
|
| Differentiating Perks | Rules |
|---|---|
| 1.5X on All Purchases | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $8,000 | 1.6 ¢ | $126 | $95 |
$1439
|
| Differentiating Perks | Rules |
|---|---|
| 3X Points on All Travel, Shipping, Internet, Cable, Phone & Online Advertising | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 150,000 | $30,000 | 1.3 ¢ | $0 | $395 |
$1345
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| $300 Travel Credit on Signup & Annually | Capital One & Priority Pass Lounges, 10,000 Miles Each Anniversary | No CR , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 120,000 | $10,000 | 1.3 ¢ | $131 | $299 |
$1322
|
| Differentiating Perks | Rules |
|---|---|
| 9000 bonus points annually, 4 A-list boardings, WiFi credit, TSA Credit | No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $6,000 | 1.6 ¢ | $290 | $595 |
$1271
|
| Differentiating Perks | Rules |
|---|---|
| Annual hotel discount, annual splurge credit, annual chauffer credit, four Admirals Club passes | Citi 2/65 , Citi 6/6 , 48 From Bonus , No 5/24 , Citi 1/8 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $6,000 | 1.6 ¢ | $2 | $325 |
$1253
|
| Differentiating Perks | Rules |
|---|---|
| 4x Points at restaurants and supermarkets, $120 Dining credit, $100 Airline credit | Amex Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $5,000 | 1.3 ¢ | $125 | $150 |
$1240
|
| Differentiating Perks | Rules |
|---|---|
| 2 United Club Passes Annually, Free Bag for you and a companion, Priority boarding | No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $20,000 | 1.4 ¢ | $50 | $95 |
$1235
|
| Differentiating Perks | Rules |
|---|---|
| Automatic Aeroplan 25K Status annually for New cardmember,3x points on grocery stores & Restaurant | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $10,000 | 1.3 ¢ | $0 | $0 |
$1230
|
| Differentiating Perks | Rules |
|---|---|
| 2% Back on every purchase | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $5,000 | 1.4 ¢ | $340 | $350 |
$1220
|
| Differentiating Perks | Rules |
|---|---|
| Four annual Admiral's Club passes and an annual $99 Companion Certificate | Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule , 48 From Bonus , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $5,000 | 1.6 ¢ | $92 | $95 |
$1177
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| $50 Annual Chase Travel Hotel Credit | 3X points on dining, delivery, online grocery & streaming services | 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $15,000 | 1.6 ¢ | $2 | $375 |
$1167
|
| Differentiating Perks | Rules |
|---|---|
| Unique 4X spend categories | No CR , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 125,000 | $6,000 | 1.2 ¢ | $310 | $650 |
$1112
|
| Differentiating Perks | Rules |
|---|---|
| Delta sky club access, annual companion certificate | Amex 3/90 , Amex 4 Credit , Delta Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $5,000 | 1.5 ¢ | $0 | $70 |
$1105
|
| Differentiating Perks | Rules |
|---|---|
| Annual $99 companion Fare | No CR , B of A 1/24 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $9,000 | 0.6 ¢ | $125 | $99 |
$1100
|
| Differentiating Perks | Rules |
|---|---|
| Platinum Elite status, Anniversary Free Night | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 125,000 | $3,000 | 0.7 ¢ | $125 | $95 |
$1090
|
| Bonus Extra | Differentiating Perks | Rules |
|---|---|---|
| 50,000 point free night certificate | 2x on all other purchases, annual free night | Bonvoy 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $2,500 | 1.5 ¢ | $0 | $99 |
$1089
|
| Differentiating Perks | Rules |
|---|---|
| 50% off companion discount | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $4,000 | 1.5 ¢ | $0 | $95 |
$1085
|
| Differentiating Perks | Rules |
|---|---|
| Annual $99 companion Fare | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $5,000 | 1.4 ¢ | $50 | $0 |
$1070
|
| Differentiating Perks | Rules |
|---|---|
| First checked bag free, Preferred boarding, Double miles at gas stations & restaurants | No CR , Citi 1/95 , No 2nd Biz , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $15,000 | 1.7 ¢ | $176 | $95 |
$1056
|
| Differentiating Perks | Rules |
|---|---|
| Discoverist Status, 1 free night per year | Hyatt 1/24 , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $8,000 | 1.2 ¢ | $250 | $350 |
$1036
|
| Differentiating Perks | Rules |
|---|---|
| $100 credit with Delta purchase, Anniversary companion pass | Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $6,000 | 1.2 ¢ | $0 | $0 |
$1032
|
| Differentiating Perks | Rules |
|---|---|
| Priority Boarding, Free checked bag, 20% off in-flight purchases | Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 165,000 | $3,000 | 0.6 ¢ | $152 | $99 |
$1001
|
| Differentiating Perks | Rules |
|---|---|
| Platinum Elite status, Anniversary Free Night, 4th Reward Night Free | IHG Personal 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 125,000 | $15,000 | 1.2 ¢ | $270 | $650 |
$1000
|
| Differentiating Perks | Rules |
|---|---|
| Delta sky club access, Annual companion certificate | Amex 3/90 , No CR , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $7,500 | 1.1 ¢ | $25 | $95 |
$963
|
| Differentiating Perks | Rules |
|---|---|
| 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $3,000 | 1.2 ¢ | $0 | $0 |
$936
|
| Differentiating Perks | Rules |
|---|---|
| Free checked bag, priority boarding | Amex 3/90 , Amex 4 Credit , Delta Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $6,000 | 1.3 ¢ | $0 | $0 |
$933
|
| Differentiating Perks | Rules |
|---|---|
| 1.5 Miles on every purchase | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $4,000 | 1.6 ¢ | $72 | $95 |
$921
|
| Differentiating Perks | Rules |
|---|---|
| 3x Points on travel, 2x Points on dining, Transfer toward statement credit, airfare, hotels | Citi 2/65 , TY 1/24 , Citi 6/6 , 48 From Bonus , No 5/24 , Citi 1/8 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $6,000 | 1.3 ¢ | $0 | $99 |
$899
|
| Differentiating Perks | Rules |
|---|---|
| 6x Points on JetBlue purchases, Free first checked bag, 50% inflight savings. | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $6,000 | 1.3 ¢ | $0 | $99 |
$899
|
| Differentiating Perks | Rules |
|---|---|
| 6x Points on JetBlue purchases, Free first checked bag, 50% inflight savings. | No CR , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $4,000 | 1.2 ¢ | $200 | $350 |
$898
|
| Differentiating Perks | Rules |
|---|---|
| $100 credit with Delta purchase, Anniversary companion pass | Amex 3/90 , Amex 4 Credit , Delta Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $5,000 | 1.7 ¢ | $50 | $199 |
$856
|
| Differentiating Perks | Rules |
|---|---|
| Discoverist Status & 9x points toward Hyatt hotel purchases | No CR , Hyatt 1/24 , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $4,000 | 1.3 ¢ | $0 | $95 |
$852
|
| Differentiating Perks | Rules |
|---|---|
| 10x Miles at hotels.com, 2x miles everything else | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $3,000 | 1.3 ¢ | $50 | $0 |
$809
|
| Differentiating Perks | Rules |
|---|---|
| 2 United Club Passes Annually, Free Bag for you and a companion, Priority boarding | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $6,000 | 1.1 ¢ | $0 | $0 |
$771
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $5,000 | 1.3 ¢ | $195 | $695 |
$765
|
| Differentiating Perks | Rules |
|---|---|
| United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion | No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $3,000 | 1.3 ¢ | $81 | $149 |
$691
|
| Differentiating Perks | Rules |
|---|---|
| 6000 bonus points annually | No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $2,500 | 1.4 ¢ | $0 | $0 |
$685
|
| Differentiating Perks | Rules |
|---|---|
| Free checked bag & preferred boarding on AA | AA Personal 48 , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $7,500 | 1.1 ¢ | $0 | $95 |
$663
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 70,000 | $4,000 | 1.3 ¢ | $125 | $350 |
$657
|
| Differentiating Perks | Rules |
|---|---|
| $125 annual United purchase credit & 2 bags free for you & 1 companion | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $4,000 | 1.3 ¢ | $0 | $95 |
$657
|
| Differentiating Perks | Rules |
|---|---|
| Wells Fargo 1/6 , 48 From Bonus , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $4,000 | 1.3 ¢ | $80 | $395 |
$632
|
| Differentiating Perks | Rules |
|---|---|
| 10x Miles at hotels.com,5xMiles at flights.com & 2x miles everything else | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 155,000 | $3,000 | 0.5 ¢ | $51 | $150 |
$631
|
| Differentiating Perks | Rules |
|---|---|
| 6x Points restaurants, supermarkets and gas. Complimentary Gold Status. 10 Free Priority Pass airport lounge visits annually. | Amex 3/90 , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $4,500 | 1.3 ¢ | $0 | $0 |
$619
|
| Differentiating Perks | Rules |
|---|---|
| 2x Miles on every purchase, erase travel purchases, primary car insurance. | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $4,500 | 1.3 ¢ | $0 | $0 |
$619
|
| Differentiating Perks | Rules |
|---|---|
| 1.5 Miles on every purchase | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $5,000 | 1.3 ¢ | $0 | $0 |
$615
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 175,000 | $8,000 | 0.5 ¢ | $50 | $195 |
$610
|
| Differentiating Perks | Rules |
|---|---|
| Room Upgrades,Free breakfast, Late Checkout, 12X points on Hilton bookings, 6X on many other purchases, 10 Lounge passes | Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $6,000 | 1.1 ¢ | $0 | $0 |
$606
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $2,000 | 0.6 ¢ | $0 | $0 |
$572
|
| Differentiating Perks | Rules |
|---|---|
| Gold Elite status, 4th Reward Night Free | IHG Personal 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 45,000 | $1,000 | 1.0 ¢ | $205 | $75 |
$570
|
| Differentiating Perks | Rules |
|---|---|
| 7,500 bonus points annually, Avis & Budget upgrade | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.6 ¢ | $250 | $0 |
$568
|
| Differentiating Perks | Rules |
|---|---|
| 5X points back on quarterly rotating categories,5X on travel,3x on drug store and 3x on dining.Combine points with a Sapphire Reserve Card for more value. | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $1,000 | 1.3 ¢ | $21 | $99 |
$565
|
| Differentiating Perks | Rules |
|---|---|
| 3000 bonus points annually | SW Pers 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $6,000 | 0.7 ¢ | $125 | $125 |
$552
|
| Differentiating Perks | Rules |
|---|---|
| Solid 4x categories, annual free room | Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , Bonvoy 1/24 , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $2,000 | 1.3 ¢ | $0 | $89 |
$547
|
| Differentiating Perks | Rules |
|---|---|
| B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $10,000 | 1.1 ¢ | $0 | $195 |
$540
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $4,000 | 1.0 ¢ | $70 | $95 |
$535
|
| Differentiating Perks | Rules |
|---|---|
| Airline Incidentals | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 45,000 | $3,000 | 1.0 ¢ | $205 | $95 |
$530
|
| Differentiating Perks | Rules |
|---|---|
| 15,000 bonus points annually, Avis & Budget upgrade and Suite upgrades. | No CR , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $5,000 | 1.3 ¢ | $0 | $499 |
$506
|
| Differentiating Perks | Rules |
|---|---|
| 6x Points on JetBlue purchases & Free first checked bag | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $1,000 | 1.3 ¢ | $1 | $149 |
$495
|
| Differentiating Perks | Rules |
|---|---|
| Companion Pass, 6000 bonus points annually | SW Pers 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $3,000 | 1.2 ¢ | $0 | $89 |
$487
|
| Differentiating Perks | Rules |
|---|---|
| 2 lounge vouchers & anniversary companion ticket | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 40,000 | $3,000 | 1.6 ¢ | $0 | $150 |
$478
|
| Differentiating Perks | Rules |
|---|---|
| 3x points on travel,Transit and restaurants,$100 annual CLEAR credit ,$199 annual LoungeBuddy credit | Amex Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 175,000 | $6,000 | 0.5 ¢ | $240 | $550 |
$475
|
| Differentiating Perks | Rules |
|---|---|
| 14x Points Hilton hotel purchases. $250 Resort Statement Credit. $200 Airline Fee Credit. $100 Hilton On-property credit. Unlimited lounge visits you+2 guest. Hilton Diamond status. | Amex 3/90 , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $2,000 | 0.5 ¢ | $0 | $0 |
$470
|
| Differentiating Perks | Rules |
|---|---|
| 6x Points restaurants, supermarkets and gas. Complimentary Silver Status. | Amex 3/90 , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $10,000 | 0.7 ¢ | $125 | $195 |
$445
|
| Differentiating Perks | Rules |
|---|---|
| 5X points on travel, unlimited 2x cash back | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $1,000 | 1.3 ¢ | $1 | $229 |
$415
|
| Differentiating Perks | Rules |
|---|---|
| 7500 bonus points annually, 4 A-list boarding, $75 travel credit | SW Pers 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 80,000 | $5,000 | 1.3 ¢ | $100 | $695 |
$410
|
| Differentiating Perks | Rules |
|---|---|
| United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $1,000 | 0.7 ¢ | $0 | $0 |
$407
|
| Differentiating Perks | Rules |
|---|---|
| Bonvoy 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 70,000 | $7,000 | 1.4 ¢ | $0 | $595 |
$343
|
| Differentiating Perks | Rules |
|---|---|
| Admirals Club membership gives lounge access you and your immediate family or up to two guest | AA Personal 48 , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.3 ¢ | $75 | $0 |
$332
|
| Differentiating Perks | Rules |
|---|---|
| 2% Cash Back every purchase | Wells Fargo 1/6 , 48 From Bonus , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.6 ¢ | $0 | $0 |
$318
|
| Differentiating Perks | Rules |
|---|---|
| 3% Cash back on purchases up to $20000 | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,500 | 1.6 ¢ | $0 | $0 |
$314
|
| Differentiating Perks | Rules |
|---|---|
| 48 From Bonus , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 85,000 | $4,000 | 0.7 ¢ | $1 | $250 |
$294
|
| Differentiating Perks | Rules |
|---|---|
| 2x on all other purchases, annual free night | Bonvoy 1/24 , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 30,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$290
|
| Differentiating Perks | Rules |
|---|---|
| Gold level, 5x points at Wyndham properties, $0 annual fee. | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.4 ¢ | $0 | $0 |
$280
|
| Differentiating Perks | Rules |
|---|---|
| 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 85,000 | $5,000 | 0.7 ¢ | $0 | $250 |
$280
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , Amex 4 Credit , Bonvoy 1/24 , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 15,000 | $0 | 0.8 ¢ | $150 | $0 |
$270
|
| Differentiating Perks | Rules |
|---|---|
| 5% back on Amazon & at Whole Foods | 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 30,000 | $3,000 | 1.0 ¢ | $0 | $0 |
$270
|
| Differentiating Perks | Rules |
|---|---|
| 3X multiplier for travel purchases with no annual fee | No CR , B of A 1/24 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 30,000 | $3,000 | 1.0 ¢ | $0 | $0 |
$270
|
| Differentiating Perks | Rules |
|---|---|
| No CR , B of A 1/24 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 40,000 | $1,000 | 0.8 ¢ | $0 | $49 |
$259
|
| Differentiating Perks | Rules |
|---|---|
| 2% Disney Rewards Dollars on gas station, grocery stores & restaurants | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $2,000 | 1.1 ¢ | $1 | $0 |
$258
|
| Differentiating Perks | Rules |
|---|---|
| 6% cash back on personally selected categories. | US Bank Lifetime , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.3 ¢ | $0 | $0 |
$257
|
| Differentiating Perks | Rules |
|---|---|
| Solid benefits for a card with no annual | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.3 ¢ | $0 | $0 |
$253
|
| Differentiating Perks | Rules |
|---|---|
| 3x in Restaurants & Gas | Wells Fargo 1/6 , 48 From Bonus , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$240
|
| Differentiating Perks | Rules |
|---|---|
| No annual fee and no foreign transaction fees | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 15,000 | $3,000 | 1.6 ¢ | $0 | $0 |
$228
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , No CR , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $3,000 | 1.0 ¢ | $3 | $0 |
$223
|
| Differentiating Perks | Rules |
|---|---|
| 6% bonus at U.S. supermarkets limited to $6,000 in purchases per year | Amex 3/90 , Amex 4 Credit , Amex Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $3,000 | 1.0 ¢ | $0 | $0 |
$220
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , No CR , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $5,000 | 1.0 ¢ | $70 | $550 |
$220
|
| Differentiating Perks | Rules |
|---|---|
| B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.1 ¢ | $0 | $0 |
$211
|
| Differentiating Perks | Rules |
|---|---|
| $30 credit for annual streaming service purchases & 2x on streaming services | US Bank 5 Years , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.1 ¢ | $0 | $0 |
$211
|
| Differentiating Perks | Rules |
|---|---|
| 4X in Restaurant & 2x in Grocery store | US Bank 5 Years , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 15,000 | $500 | 1.4 ¢ | $0 | $0 |
$207
|
| Differentiating Perks | Rules |
|---|---|
| No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.0 ¢ | $0 | $0 |
$195
|
| Differentiating Perks | Rules |
|---|---|
| 3% Cash Back on Dining & Entertainment, 3% Grocery, $200 Cash Bonus. | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.0 ¢ | $0 | $0 |
$195
|
| Differentiating Perks | Rules |
|---|---|
| Easier approval for those looking to build credit | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $1 | $0 |
$191
|
| Differentiating Perks | Rules |
|---|---|
| 5% cash back on personally selected categories. | US Bank Lifetime , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$190
|
| Differentiating Perks | Rules |
|---|---|
| 3% cash back in the category of your choice | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$190
|
| Differentiating Perks | Rules |
|---|---|
| unlimited 1.5% cash back on all purchases | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,500 | 1.0 ¢ | $0 | $0 |
$185
|
| Differentiating Perks | Rules |
|---|---|
| 2% cash-back earnings on all purchases — 1% when you buy and another 1% when you pay | 48 From Bonus , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $2,000 | 1.0 ¢ | $0 | $0 |
$180
|
| Differentiating Perks | Rules |
|---|---|
| 3% bonus at U.S. supermarkets | Amex 3/90 , Amex 4 Credit , Amex Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $6,000 | 0.7 ¢ | $175 | $650 |
$147
|
| Differentiating Perks | Rules |
|---|---|
| $300 Statement Credit on Marriott purchases, free night annually | Amex 3/90 , Amex 4 Credit , Bonvoy 1/24 , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 15,000 | $3,000 | 1.6 ¢ | $0 | $95 |
$133
|
| Differentiating Perks | Rules |
|---|---|
| 2x points on restaurants,entertainment and Grocery stores | No CR , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 10,000 | $1,000 | 1.3 ¢ | $0 | $0 |
$123
|
| Differentiating Perks | Rules |
|---|---|
| 3x Points on JetBlue purchases & 50% inflight savings. | Barclay 6/24 , No 5/24 , Barclay 0/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 10,000 | $1,000 | 1.2 ¢ | $0 | $0 |
$112
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , Amex 4 Credit , Delta Family , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 12,500 | $1 | 0.8 ¢ | $0 | $0 |
$100
|
| Differentiating Perks | Rules |
|---|---|
| 5% back on Amazon & at Whole Foods | Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , No 5/24 , Amex 1/10 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 0 | $0 | 1.5 ¢ | $96 | $0 |
$96
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 1 | $1 | 1.0 ¢ | $0 | $0 |
$0
|
| Differentiating Perks | Rules |
|---|---|
| Discover will match all cash back at the year end, making rotating categories 10% for the first year | No 5/24 , Discover 1/12 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 0 | $0 | 1.0 ¢ | $0 | $0 |
$0
|
| Differentiating Perks | Rules |
|---|---|
| Earn 4% on eligible gas purchases, plus 3% on restaurant and all eligible travel purchases worldwide. | No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 0 | $0 | 1.0 ¢ | $0 | $0 |
$0
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 0 | $1 | 1.0 ¢ | $0 | $0 |
$-0
|
| Differentiating Perks | Rules |
|---|---|
| Discover will match every mile for the first year giving 3% cash back on all categories for the first year | No 5/24 , Discover 1/12 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 1 | $1 | 0.0 ¢ | $0 | $0 |
$-0
|
| Differentiating Perks | Rules |
|---|---|
| Discover will match Cash back after the first year with no cap, 2x Cash Back for gas and restaurants up to $4,000 annually | No 5/24 , Discover 1/12 |
