Special Offer Credit Card Rankings

Ranked by First Year Value
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Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
150,000 $20,000 1.6 ¢ $230 $695
$2255
Best Value Differentiating Perks Rules
Airline partner transfers Premier Airport Lounges, Hilton & Marriott Gold Status, $200 Hilton credit 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
150,000 $15,000 1.3 ¢ $0 $0
$2145
Best Value Differentiating Perks Rules
Airline partner transfers 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
100,000 $15,000 1.6 ¢ $2 $375
$1467
Best Value Differentiating Perks Rules
Airline partner transfers 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
100,000 $8,000 1.2 ¢ $250 $350
$1196
Best Value Differentiating Perks Rules
Delta flights $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
$1152
Best Value Differentiating Perks Rules
Delta International Flights 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
100,000 $4,000 1.3 ¢ $125 $350
$1127
Best Value Differentiating Perks Rules
Int. Biz Class $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
150,000 $5,000 0.7 ¢ $125 $95
$1115
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs 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
110,000 $12,000 1.2 ¢ $270 $650
$1084
Best Value Differentiating Perks Rules
Delta flights 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
90,000 $2,000 1.0 ¢ $205 $75
$1050
Best Value Differentiating Perks Rules
Wyndham Hotels, All Inclusives 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
80,000 $3,000 1.2 ¢ $0 $0
$996
Best Value Differentiating Perks Rules
International Delta Flights 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
60,000 $7,000 1.7 ¢ $50 $199
$990
Best Value Differentiating Perks Rules
Hyatt Hotel Stays, All Inclusive 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
150,000 $5,000 0.6 ¢ $152 $99
$983
Best Value Differentiating Perks Rules
IHG Hotels 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
75,000 $12,000 1.0 ¢ $205 $95
$980
Best Value Differentiating Perks Rules
Wyndham Hotels, All Inclusives 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
90,000 $4,000 1.2 ¢ $200 $350
$978
Best Value Differentiating Perks Rules
Delta flights $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
100,000 $10,000 1.4 ¢ $0 $595
$945
Best Value Differentiating Perks Rules
AA International Flights 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
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $6,000 1.2 ¢ $310 $650
$932
Best Value Differentiating Perks Rules
Delta flights 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
60,000 $3,000 1.3 ¢ $50 $0
$869
Best Value Differentiating Perks Rules
Int. Biz Class 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
60,000 $3,000 1.5 ¢ $0 $95
$850
Best Value Differentiating Perks Rules
Alaskan Airline Flights 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
175,000 $10,000 0.5 ¢ $50 $195
$780
Best Value Differentiating Perks Rules
Hilton Stays & Perks 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
120,000 $2,000 0.6 ¢ $0 $0
$732
Best Value Differentiating Perks Rules
IHG hotels 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
130,000 $3,000 0.5 ¢ $51 $0
$716
Best Value Differentiating Perks Rules
Hilton Stays & Perks 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
90,000 $5,000 1.3 ¢ $100 $695
$640
Best Value Differentiating Perks Rules
Int. Biz Class 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 $2,000 1.0 ¢ $0 $0
$620
Best Value Differentiating Perks Rules
Wyndham Hotels 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
175,000 $6,000 0.5 ¢ $240 $550
$595
Best Value Differentiating Perks Rules
Hilton Stays & Perks 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
$510
Best Value Differentiating Perks Rules
Hilton Stays & Perks 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
30,000 $1,000 1.4 ¢ $0 $0
$443
Best Value 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
60,000 $2,000 0.7 ¢ $0 $0
$434
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs 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
15,000 $0 0.8 ¢ $150 $0
$270
Best Value Differentiating Perks Rules
Amazon Purchases 5% back on Amazon & at Whole Foods 5/24 , Chase 2/30 , Chase 4/6