Ranked by First Year Value Personal Credit Card Rankings
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Personalized
Bonus Points
175,000
Minimum Spend
$12,000 / 3mo
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
Bonus Points
125,000
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
100,000
Minimum Spend
$6,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$325
Differentiating Perks
Annual $304 Dining Credits*
4X on Restaurants*
4X on U.S. Grocery Stores
3X on Flights
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
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
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
Bonus Extra
25,000-Point Certificate
Limited Offer
Limited Offer
Differentiating Perks
Free Checked Bags + 4 Guests
Differentiating Perks
9X on Hyatt Hotels and Resorts
World of Hyatt Discoverist Status
Anniversary Free Night
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual Admiral's 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
Yearly United Club Passes (2)
Free Checked Bags + 1 Guest
7X on United Flight Purchases
2X on Hotels
2X on Restaurants
Rules
Limited Offer
Limited Offer
Differentiating Perks
Anniversary Free Night
Marriott Bonvoy Silver Elite Status
17X on Marriot Bonvoy Purchases
Rules
Bonus Extra
5 Free Nights + $100 Airline Credit
Limited Offer
Limited Offer
Differentiating Perks
Yearly $200 United TravelBank
Free Checked Bags (2) + 1 Guest
2X on Travel
2X on Restaurants
8X on United Flights
Rules
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
Differentiating Perks
Delta Sky Club Visits (15)
Anniversary Companion Certificate
Annual Delta Sky Club Guest Passes (4)
Centurion Lounge Access
Annual $200 Delta Hotel Portal Credit
Delta Upgrade Priority
15% Discount on Every Delta Flight
Free Checked Bag + 8 Guests
3X on Delta Purchases
Limited Offer
Limited Offer
Differentiating Perks
3X on British Airways Flgihts
3X on Iberia Flights
3X on Aer Lingus Flights
Rules
Limited Offer
Limited Offer
Bonus Points
100,000 
Minimum Spend
$10,000 / 3mo
Point Value
1.4 ¢
Annual Value
Annual Fee
$595
Differentiating Perks
Admirals Club Membership
Free Checked Bag + 8 Guests
4X on American Airlines Purchases
Limited Offer
Limited Offer
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
Bonus Extra
$99 Companion Fare
Limited Offer
Limited Offer
Differentiating Perks
Unlimited 2X Miles on All Purchases
Bonus Extra
$250 Travel Portal Credit
Differentiating Perks
Anniversary $100 Companion Discount
3X on Hawaiian & Alaska Airlines Purchases
2X on Gas Stations
2X on Grocery Stores
2X on Restaurants
Rules
Bonus Extra
50% Off Companion Discount
Limited Offer
Limited Offer
Differentiating Perks
Annual Unlimited Free Night
Semi-Annual $200 Hilton Resorts Credits
Quarterly $50 Flight Credits
Hilton Honors Diamond Status
14X on Hilton Hotels & Resorts
7X on U.S. Restaurants
3X on All Purchases
Differentiating Perks
3X on Restaurants
3X on Airlines
3X on Hotels
3X on Groceries
3X on Gas Stations & EV Charging
Differentiating Perks
United Club Membership
Free Checked Bags (2) + 1 Guest
9X on United Flight Purchases
Rules
Limited Offer
Limited Offer
Differentiating Perks
Anniversary 5,000 Bonus Points
Free Checked Bag + 3 Guests
6X on JetBlue Purchases
2X on Restaurants
2X on Grocery Stores
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual $100 Delta Hotel Portal Credit
15% Discount on Every Delta Flight
Free Checked Bag + 8 Guests
2X on Delta Purchases
2X on U.S. Restaurants
2X on U.S. Grocery Stores
Limited Offer
Limited Offer
Differentiating Perks
Anniversary Companion Certificate
15% Discount on Every Delta Flight
3X on Hotels
3X on Delta Purchases
2X on U.S. Restaurants
2X on U.S. Grocery Stores
Limited Offer
Limited Offer
Differentiating Perks
3X on Restaurants
Anniversary 5,000 Bonus Miles*
Anniversary 20 Experience Points
3X on Air France, KLM & SkyTeam Purchases
Rules
Bonus Extra
Silver Status with A Free Checked Bag
Differentiating Perks
Aeroplan Elite 25K Status
Free Checked Bag + 8 Guests
3X on Grocery Stores
3X on Restaurants
3X on Air Canada Purchases
Rules
Differentiating Perks
3X Points on Everything with Point Accelerator*
Points for Paying Rent & Mortgage
Rules
Bonus Extra
$300 Bilt Cash
Differentiating Perks
Priority Pass & Capital One Lounge Access
Yearly $300 Travel Portal Credit
Anniversary 10,000 Bonus Miles
2X Miles on All Purchases
Differentiating Perks
Lufthansa Business Lounge Vouchers (2)
Anniversary Companion Ticket
2X on Lufthansa Miles & More Purchases
Rules
Differentiating Perks
5X on Hotels
4X on Flights
3X on Travel
3X on Restaurants
3X on Car Rentals
3X on Cruises
3X on Campgrounds
Limited Offer
Limited Offer
Differentiating Perks
Annual $50 TrueBlue Travel Credits (6)
Priority Pass & BlueHouse Lounge Access
Priority Group A Boarding
Anniversary 5,000 Bonus Points
Free Checked Bag + 3 Guests
6X on JetBlue Purchases
2X on Restaurants
Rules
Limited Offer
Limited Offer
Differentiating Perks
IHG One Rewards Silver Elite Status
15X on IHG Hotels & Resorts
3X on Restaurants
3X on Utilities
3X on Gas Stations
3X on Streaming Service*
3X on Internet Services
3X on Cell Phone Services
2X on All Purchases
Differentiating Perks
Anniversary Free Night
Marriott Bonvoy Platinum Elite Status
Priority Pass Select Lounge Access
Monthly $25 Dining Statement Credit
21X on Marriot Bonvoy Stays
3X on Restaurants
3X on Flights
2X on All Purchases
Differentiating Perks
3X on Travel
3X on Hotels
3X on Airfare
3X on Car Rental
3X on Restaurants
3X on Cruises
3X on Campgrounds
3X on Transit
Limited Offer
Limited Offer
Differentiating Perks
Hilton Honors Gold Status
Quarterly $50 Hilton Credits
National Car Rental Emerald Club Executive Status
12X on Hilton Hotels & Resorts
6X on Restaurants
6X on Grocery Stores
6X on Gas Stations
4X on U.S. Online Retail
3X on All Purchases
Bonus Extra
1 Free Night Reward
Differentiating Perks
Annual $100 Airline Incidental Statement Credit
2X on Travel
2X on Restaurants
Rules
Differentiating Perks
7X on United Flight Purchases
2X on Gas Stations
2X on Ride Shares & Transit
Rules
Differentiating Perks
Marriott Bonvoy Gold Elite Status
6X on Marriott Hotels
2X on All Purchases
Rules
Differentiating Perks
2X on Restaurants
1.5X on All Purchases
Rules
Limited Offer
Limited Offer
Differentiating Perks
Free Standard Seat Upgrade (48 Hours Out)
Anniversary 7,500 Bonus Points
Free Checked Bag + 8 Guests
4X on Southwest Airlines Purchases
Rules
Bonus Extra
Companion Pass valid through 2/28/27
Differentiating Perks
3% Cash Back on Restaurants
3% Cash Back on Pharmacy & Drugstores
1.5% Cash Back on All Purchases
0% Intro APR for 15 Months
Rules
Differentiating Perks
3X on Restaurants
3X on Pharmacy & Drugstores
Rules
Differentiating Perks
Wyndham Rewards Platinum Status
Anniversary 7,500 Bonus Points
6X on Hotels by Wyndham
6X on Gas Stations
4X on Restaurants
4X on Grocery Stores*
0% Intro APR for 15 Months
Rules
Limited Offer
Limited Offer
Differentiating Perks
Free Standard Seat Upgrade (48 Hours Out)
Anniversary 6,000 Bonus Points
Free Checked Bag + 8 Guests
4X on Southwest Airlines Purchases
Rules
Bonus Extra
Companion Pass valid through 2/28/27
Differentiating Perks
Hertz Car Rental Five Star Status
1.25X on All Purchases
Differentiating Perks
3% Cash Back on Transit & Rideshare
3% Cash Back on Parking
3% Cash Back on U.S. Gas Stations
6% Cash Back on U.S. Grocery Stores*
0% Intro APR for 12 Months
Limited Offer
Limited Offer
Differentiating Perks
Hilton Honors Silver Status
7X on Hilton Hotels & Resorts
5X on Gas Stations
5X on U.S. Restaurants
5X on U.S. Grocery Stores
3X on All Purchases
Bonus Extra
A Free Night Reward
Differentiating Perks
3X on Grocery Stores
3X on Gas Stations & EV Charging
3X on Transit
2X on Restaurants
0% Intro APR for 15 Months
Differentiating Perks
2% Cash Back on All Purchases
Differentiating Perks
0% Intro APR on Balance Transfers for 18 Months
Differentiating Perks
Wyndham Rewards Gold Status
5X on Hotels by Wyndham
5X on Gas Stations
2X on Restaurants
2X on Grocery Stores*
Rules
Differentiating Perks
Marriott Bonvoy Gold Elite Status
6X on Marriott Hotels
2X on All Purchases
Differentiating Perks
3X on U.S. Supermarkets*
3X on Gas Stations*
Differentiating Perks
2% Cash Back on All Purchases
0% Intro APR for 12 Months
Differentiating Perks
3x on Restaurants
3x on Travel
3x on Gas Stations
3x on Ride Shares & Transit
3x on Parking
0% Intro APR for 12 Months
Differentiating Perks
2% Cash Back on Restaurants
2% Cash Back on Gas Stations
2% Cash Back on Grocery Stores
5% Cash Back on DisneyPlus, Hulu & ESPN Plus
Rules
Bonus Extra
$100
Differentiating Perks
1.5X on All Purchases
0% Intro APR for 15 Months
Rules
Differentiating Perks
1.5% Cash Back on All Purchases
6% Cash Back with Select Retailers (Max. $1,500 Spend)
Rules
Limited Offer
Limited Offer
Differentiating Perks
Anniversary 3,000 Bonus Points
Annual 10% Southwest Discount Code
Free Checked Bag + 8 Guests
2X on Southwest Airlines Purchases
Rules
Bonus Extra
Companion Pass valid through 2/28/27
Differentiating Perks
2X on American Airlines Purchases
2X on Grocery Stores
Differentiating Perks
2X on Grocery Stores
2X on Gas Stations & EV Charging
2X on Streaming Services
Rules
Differentiating Perks
1.5% Cash Back on All Purchases
0% Intro APR for 15 Months
Rules
Differentiating Perks
3% Cash Back on Restaurants
3% Cash Back on Streaming Services
3% Cash Back on Grocery Stores*
0% Intro APR for 12 Months
Rules
Differentiating Perks
3% Cash Back in Category of Choice
0% Intro APR for 15 Months
Rules
Differentiating Perks
Unlimited 1.5% Cash Back on All Purchases
Rules
Differentiating Perks
0% Intro APR for 15 Months
Rules
Differentiating Perks
2X on Restaurants
2X on Grocery Stores
2X on Streaming Services
0% Intro APR for 15 Months
Rules
Limited Offer
Limited Offer
Differentiating Perks
Marriott Bonvoy Silver Elite Status
14X on Marriott Bonvoy Purchases
2X on Grocery Stores
2X on Rideshare Services
2X on Streaming & Cable Services
2X on Internet Services
2X on Phone Services
Rules
Bonus Extra
2 Free Nights
Differentiating Perks
3X on JetBlue Purchases
2X on Restaurants
2X on Grocery Stores
Rules
Differentiating Perks
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Foods Market
2% Cash Back on Restaurants
2% Cash Back on Gas Stations
2% Cash Back on Transit & Rideshare
Rules
Differentiating Perks
2X on Delta Purchases
2X on Restaurants
Differentiating Perks
Points for Paying Rent & Mortgage
Rules
Bonus Extra
$200 Bilt Cash
Differentiating Perks
Points for Paying Rent & Mortgage
Rules
Bonus Extra
$100 Bilt Cash
Differentiating Perks
4% Cash Back on Gas & EV Charging*
3% Cash Back on Restaurants
2% Cash Back on Costco Purchases
Differentiating Perks
0% Intro APR for 15 Months
Rules
Differentiating Perks
1.5X Miles on All Purchases
0% Intro APR for 15 Months
Rules
Differentiating Perks
2% Cash Back on Gas Stations*
2% Cash Back on Restaurants*
0% Intro APR for 15 Months