Ranked by First Year Value Special Offer Credit Card Rankings
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Personalized
Limited Offer
Limited Offer
Bonus Points
200,000 
Minimum Spend
$15,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$375
Differentiating Perks
Unique 4X Spend Categories
Rules
Limited Offer
Limited Offer
Differentiating Perks
3X on Travel*
3X on Advertising & Marketing*
3X on Shipping Purchases*
3X on Internet, Cable & Phone Services*
Limited Offer
Limited Offer
Bonus Points
125,000
Minimum Spend
$15,000 / 6mo
Point Value
1.2 ¢
Annual Value
Annual Fee
$650
Differentiating Perks
Delta Sky Club Visits (15)
Anniversary Companion Certificate
Annual Delta Sky Club Guest Passes (4)
Centurion Lounge Access
Annual $250 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
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
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
Limited Offer
Limited Offer
Differentiating Perks
Free Checked Bags + 4 Guests
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
Annual $150 Delta Hotel Portal Credit
Delta Priority Boarding
15% Discount on Every Delta Flight
Free Checked Bag + 8 Guests
2X on Delta Purchases
2X on U.S. Shipping Services
2X on U.S. Advertising & Marketing
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
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
Annual Delta Companion Certificate
Annual $200 Delta Hotel Portal Credit
Delta Upgrade Priority
Free Checked Bag + 8 Guests
15% Discount on Every Delta Flight
3X on Delta Purchases
3X on Hotels
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
Free Checked Bag + 6 Guests
3X on Hawaiian & Alaska Airlines Purchases
Rules
Bonus Extra
$99 Companion Fare
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
Limited Offer
Limited Offer
Differentiating Perks
United Club Membership
Free Checked Bags (2) + 1 Guest
7X on United Flight Purchases
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
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
Limited Offer
Limited Offer
Limited Offer
Limited Offer
Differentiating Perks
Hilton Honors Gold Status
Quarterly $60 Hilton Credits
National Car Rental Emerald Club Executive Status
12X on Hilton Hotels & Resorts
5X on All Purchases*
Bonus Extra
1 Free Night Reward
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
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
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
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
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
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
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