Credit Card Rankings
Truly objective card rankings built on math, not paid placements. Customize by what matters to you and save your personalized rankings with a free, forever account.
Bonus Points
200,000
Minimum Spend
$20,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$895
Differentiating Perks
Global & Centurion Lounge Access
Semi-Annual $300 Hotel Statement Credits
Annual $200 Airline Credit
Quarterly $50 Hilton Credit
Annual Delta Sly Club Passes (10)
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Bonus Points
150,000
Minimum Spend
$12,000 / 6mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$895
Differentiating Perks
Global & Centurion Lounge Access
Semi-Annual $300 Hotel Credits
Annual $200 Airline Credits
Annual Delta Sly Club Passes (10)
Annual $200 Uber Cash Credits*
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
5X on Flights
Limited Offer
Limited Offer
Bonus Points
150,000
Minimum Spend
$6,000 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$795
Differentiating Perks
Annual $250 Edit Hotel Credits (2)
Yearly $300 Travel Credit
Semi-Annual $150 StubHub Credit
Priority Pass & Sapphire Lounge Access
4X on Flights
4X on Hotels
3X on Restaurants
IHG One Rewards Platinum Elite Status
Bonus Points
150,000
Minimum Spend
$20,000 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$795
Differentiating Perks
Annual $250 Edit Hotel Credit (2)
Yearly $300 Travel Credit
Priority Pass & Sapphire Lounge Access
4X on Flights
4X on Hotels
3X on Digital Marketing
Semi Annual $50 Gift Card Credit
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Points Transferable to Capital One Miles Cards
Rules
Bonus Points
150,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$395
Differentiating Perks
Yearly $300 Travel Portal Credit
Priority Pass & Capital One Lounge Access
Anniversary 10,000 Bonus Miles
Rules
Differentiating Perks
3X on Travel*
3X on Advertising & Marketing*
3X on Shipping Purchases*
3X on Internet, Cable & Phone Services*
Limited Offer
Limited Offer
Bonus Extra
25,000-point Global Companion Certificate and 50% flight discount code
Differentiating Perks
Anniversary 25,000-Point Certificate
Quarterly Alaska Lounge Passes (2)
Free Checked Bag + 6 Guests
3x on International Spend
Yearly 100,000-Point Certificate after $60,000 Spend
Rules
Differentiating Perks
5X on Office Supply Stores*
5X on Internet Services*
5X on Cable Services*
5X on Phone Services*
0% Intro APR for 12 Months
Differentiating Perks
1.5X on All Purchases
0% Intro APR for 12 Months
Limited Offer
Limited Offer
Bonus Extra
2,000 Premier qualifying points (PQP)
Differentiating Perks
Yearly United Club Passes (2)
Free Checked Bag + 1 Guest
7X on United Flight Purchases
2X on Gas Stations
2X on Office Supply Stores
2X on Local Transit
Bonus Points
100,000
Minimum Spend
$15,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$375
Differentiating Perks
Unique 4X Spend Categories
Rules
Differentiating Perks
Yearly $50 Chase Hotel Portal Credit
3X on Restaurants
3X on Food Delivery Services
3X on Streaming Services*
3X on Online Grocery Purchases
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Transferable to Capital One Miles Cards
Rules
Limited Offer
Limited Offer
Bonus Extra
$99 Companion Fare
Differentiating Perks
Anniversary $99 Companion Fare after $6,000 Spend
Free Checked Bag + 6 Guests
3X on Hawaiian & Alaska Airlines Purchases
Rules
Limited Offer
Limited Offer
Differentiating Perks
Free Checked Bags + 4 Guests
Limited Offer
Limited Offer
Bonus Extra
$99 Companion Fare and 50% flight discount code
Differentiating Perks
Anniversary $99 Companion Fare after $6,000 Spend
2X on Gas Stations & EV Charging
2X on Local Transit
2X on Cable & Streaming Services*
3X on Hawaiian & Alaska Airlines Purchases
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual Admirals Club Passes (4)
Annual $100 AA Inflight Purchase Credit
Annual $100 Splurge Credit
Anniversary $99 Companion Certificate
Free Checked Bag + 8 Guests
2X on Restaurants
2X on Ride Share & Transit
3X on American Airlines Purchases
Limited Offer
Limited Offer
Differentiating Perks
IHG Platinum Elite Status
Anniversary Free Night
26X on IHG Hotels and Resorts
5X on Travel
5X on Restaurants
5X on Gas Stations
3X on All Purchases
Differentiating Perks
Annual $300 Hotel Portal Credit
Annual AA Club Lounge Passes (4)
Annual $200 Splurge Credit
Semi-Annual $100 Blacklane Credit
3X on Restaurants
1.5X on All Purchases
Limited Offer
Limited Offer
Bonus Points
100,000
Minimum Spend
$10,000 / 3mo
Point Value
1.4 ¢
Annual Value
Annual Fee
$595
Limited Offer
Limited Offer
Bonus Extra
$125 statement credit
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Bonus Extra
2,000 Premier qualifying points (PQP)
Bonus Extra
50% Off Companion Discount
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Bonus Extra
500 Premier qualifying points
Limited Offer
Limited Offer
Bonus Extra
$300 Bilt Cash
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Bonus Extra
50% Off Companion Discount
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Bonus Extra
100 Experience Points (XP)
Limited Offer
Limited Offer
Bonus Extra
$100 Statement Credit
Limited Offer
Limited Offer
Bonus Extra
$100 Statement Credit
Limited Offer
Limited Offer
Bonus Extra
2026 Offer: Up to $100 in airline credits after $500 spend ($50 semi-annually)
Bonus Extra
$200 Bilt Cash
Bonus Extra
$100 Bilt Cash
