Ranked by First Year Value Special Offer Credit Card Rankings

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Limited Offer
Limited Offer
Bonus Points
200,000 hourglass-blue
Minimum Spend
$15,000 / 3mo hourglass-blue
Point Value
1.55 ¢
Annual Value
Annual Fee
$375 circle-info

Differentiating Perks

digital-wallet Unique 4X Spend Categories
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$8,000 / 3mo hourglass-blue
Point Value
1.65 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

travel 3X on Travel* advertising-marketing 3X on Advertising & Marketing* shipping 3X on Shipping Purchases* internet-service 3X on Internet, Cable & Phone Services*
Limited Offer
Limited Offer
Bonus Points
125,000 hourglass-blue
Minimum Spend
$15,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$650

Differentiating Perks

airlines Delta Sky Club Visits (15) airlines Anniversary Companion Certificate airlines Annual Delta Sky Club Guest Passes (4) airlines Centurion Lounge Access hotels-resorts Annual $250 Delta Hotel Portal Credit airlines Delta Upgrade Priority airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests travel 3X on Delta Purchases
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$150

Differentiating Perks

airlines Yearly United Club Passes (2) airlines Free Checked Bag + 1 Guest airlines 7X on United Flight Purchases gas-stations 2X on Gas Stations office-supplies 2X on Office Supply Stores rideshare-transit 2X on Local Transit
Limited Offer
Limited Offer
Bonus Points
175,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue
Point Value
0.6 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

hotels-resorts IHG Platinum Elite Status hotels-resorts Anniversary Free Night hotels-resorts 26X on IHG Hotels and Resorts travel 5X on Travel restaurants 5X on Restaurants gas-stations 5X on Gas Stations digital-wallet 3X on All Purchases
Limited Offer
Limited Offer
Bonus Points
80,000 hourglass-blue
Minimum Spend
$3,500 / 4mo hourglass-blue
Point Value
1.4 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

airlines Free Checked Bags + 4 Guests
Limited Offer
Limited Offer
Bonus Points
90,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue
Point Value
1.4 ¢
Annual Value
Annual Fee
$350

Differentiating Perks

airlines Annual Admiral's Club Passes (4) airlines Annual $100 AA Inflight Purchase Credit online-shopping Annual $100 Splurge Credit airlines Anniversary $99 Companion Certificate airlines Free Checked Bag + 8 Guests restaurants 2X on Restaurants rideshare-transit 2X on Ride Share & Transit airlines 3X on American Airlines Purchases
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

airlines Yearly United Club Passes (2) airlines Free Checked Bags + 1 Guest airlines 7X on United Flight Purchases hotels-resorts 2X on Hotels restaurants 2X on Restaurants
Limited Offer
Limited Offer
Bonus Points
90,000 hourglass-blue
Minimum Spend
$6,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

hotels-resorts Annual $150 Delta Hotel Portal Credit airlines Delta Priority Boarding airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests airlines 2X on Delta Purchases shipping 2X on U.S. Shipping Services advertising-marketing 2X on U.S. Advertising & Marketing
Limited Offer
Limited Offer
Bonus Points
80,000 hourglass-blue
Minimum Spend
$4,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$350

Differentiating Perks

travel Yearly $200 United TravelBank airlines Free Checked Bags (2) + 1 Guest travel 2X on Travel restaurants 2X on Restaurants airlines 8X on United Flights
Limited Offer
Limited Offer
Bonus Points
0 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue circle-info
Point Value
0.7 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

hotels-resorts Anniversary Free Night hotels-resorts Marriott Bonvoy Silver Elite Status hotels-resorts 17X on Marriot Bonvoy Purchases
bonus-extra

Bonus Extra

5 Free Nights + $100 Airline Credit
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$8,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$350

Differentiating Perks

airlines Annual Delta Companion Certificate hotels-resorts Annual $200 Delta Hotel Portal Credit airlines Delta Upgrade Priority airlines Free Checked Bag + 8 Guests airlines 15% Discount on Every Delta Flight airlines 3X on Delta Purchases hotels-resorts 3X on Hotels
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$6,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$650

Differentiating Perks

airlines Delta Sky Club Visits (15) airlines Anniversary Companion Certificate airlines Annual Delta Sky Club Guest Passes (4) airlines Centurion Lounge Access hotels-resorts Annual $200 Delta Hotel Portal Credit airlines Delta Upgrade Priority airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests airlines 3X on Delta Purchases
Limited Offer
Limited Offer
Bonus Points
90,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue
Point Value
1.1 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

airlines 3X on British Airways Flgihts airlines 3X on Iberia Flights airlines 3X on Aer Lingus Flights
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$10,000 / 3mo hourglass-blue
Point Value
1.4 ¢
Annual Value
Annual Fee
$595

Differentiating Perks

airlines Admirals Club Membership airlines Free Checked Bag + 8 Guests airlines 4X on American Airlines Purchases
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$4,000 / 3mo hourglass-blue circle-info
Point Value
1.6 ¢
Annual Value
Annual Fee
$70 circle-info

Differentiating Perks

airlines Anniversary $99 Companion Fare after $6,000 Spend airlines Free Checked Bag + 6 Guests airlines 3X on Hawaiian & Alaska Airlines Purchases
bonus-extra

Bonus Extra

$99 Companion Fare
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue
Point Value
1.6 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

airlines Anniversary $99 Companion Fare after $6,000 Spend gas-stations 2X on Gas Stations & EV Charging rideshare-transit 2X on Local Transit streaming-media 2X on Cable & Streaming Services* airlines 3X on Hawaiian & Alaska Airlines Purchases
bonus-extra

Bonus Extra

$99 Companion Fare
Limited Offer
Limited Offer
Bonus Points
75,000 hourglass-blue
Minimum Spend
$4,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$95

Differentiating Perks

digital-wallet Unlimited 2X Miles on All Purchases
bonus-extra

Bonus Extra

$250 Travel Portal Credit
Limited Offer
Limited Offer
Bonus Points
100,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue circle-info
Point Value
1.3 ¢
Annual Value
Annual Fee
$695

Differentiating Perks

airlines United Club Membership airlines Free Checked Bags (2) + 1 Guest airlines 7X on United Flight Purchases
Limited Offer
Limited Offer
Bonus Points
175,000 hourglass-blue
Minimum Spend
$6,000 / 6mo hourglass-blue
Point Value
0.5 ¢
Annual Value
Annual Fee
$550

Differentiating Perks

hotels-resorts Annual Unlimited Free Night hotels-resorts Semi-Annual $200 Hilton Resorts Credits airlines Quarterly $50 Flight Credits hotels-resorts Hilton Honors Diamond Status hotels-resorts 14X on Hilton Hotels & Resorts restaurants 7X on U.S. Restaurants digital-wallet 3X on All Purchases
Limited Offer
Limited Offer
Bonus Points
75,000 hourglass-blue
Minimum Spend
$1,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

digital-wallet Anniversary 5,000 Bonus Points airlines Free Checked Bag + 3 Guests airlines 6X on JetBlue Purchases restaurants 2X on Restaurants groceries 2X on Grocery Stores
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$0 circle-info

Differentiating Perks

hotels-resorts Annual $100 Delta Hotel Portal Credit airlines 15% Discount on Every Delta Flight airlines Free Checked Bag + 8 Guests airlines 2X on Delta Purchases restaurants 2X on U.S. Restaurants groceries 2X on U.S. Grocery Stores
Limited Offer
Limited Offer
Bonus Points
80,000 hourglass-blue
Minimum Spend
$4,000 / 6mo hourglass-blue
Point Value
1.2 ¢
Annual Value
Annual Fee
$350

Differentiating Perks

airlines Anniversary Companion Certificate airlines 15% Discount on Every Delta Flight hotels-resorts 3X on Hotels airlines 3X on Delta Purchases restaurants 2X on U.S. Restaurants groceries 2X on U.S. Grocery Stores
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$89

Differentiating Perks

restaurants 3X on Restaurants airlines Anniversary 5,000 Bonus Miles* airlines Anniversary 20 Experience Points airlines 3X on Air France, KLM & SkyTeam Purchases
bonus-extra

Bonus Extra

Silver Status with A Free Checked Bag
Limited Offer
Limited Offer
Bonus Points
75,000 hourglass-blue
Minimum Spend
$6,000 / 3mo hourglass-blue
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

software Annual $100 Recurring Software Credit gas-stations 3% Cash Back on Gas & EV Charging restaurants 3% Cash Back on Restaurants office-supplies 3% Cash Back on Office Supply Stores cell-phone 3% Cash Back on Cell Phone Service digital-wallet 0% Intro APR for 12 Months
Limited Offer
Limited Offer
Bonus Points
175,000 hourglass-blue
Minimum Spend
$8,000 / 6mo hourglass-blue
Point Value
0.5 ¢
Annual Value
Annual Fee
$195

Differentiating Perks

hotels-resorts Hilton Honors Gold Status hotels-resorts Quarterly $60 Hilton Credits car-rental National Car Rental Emerald Club Executive Status hotels-resorts 12X on Hilton Hotels & Resorts digital-wallet 5X on All Purchases*
bonus-extra

Bonus Extra

1 Free Night Reward
Limited Offer
Limited Offer
Bonus Points
80,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$499

Differentiating Perks

airlines Annual $50 TrueBlue Travel Credits (6) airlines Priority Pass & BlueHouse Lounge Access airlines Priority Group A Boarding airlines Anniversary 5,000 Bonus Points airlines Free Checked Bag + 3 Guests airlines 6X on JetBlue Purchases restaurants 2X on Restaurants
Limited Offer
Limited Offer
Bonus Points
90,000 hourglass-blue
Minimum Spend
$2,000 / 3mo hourglass-blue circle-info
Point Value
0.6 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

hotels-resorts IHG One Rewards Silver Elite Status hotels-resorts 15X on IHG Hotels & Resorts restaurants 3X on Restaurants utilities 3X on Utilities gas-stations 3X on Gas Stations streaming-media 3X on Streaming Service* internet-service 3X on Internet Services cell-phone 3X on Cell Phone Services digital-wallet 2X on All Purchases
Limited Offer
Limited Offer
Bonus Points
130,000 hourglass-blue
Minimum Spend
$3,000 / 6mo hourglass-blue
Point Value
0.5 ¢
Annual Value
Annual Fee
$150

Differentiating Perks

hotels-resorts Hilton Honors Gold Status hotels-resorts Quarterly $50 Hilton Credits car-rental National Car Rental Emerald Club Executive Status hotels-resorts 12X on Hilton Hotels & Resorts restaurants 6X on Restaurants groceries 6X on Grocery Stores gas-stations 6X on Gas Stations online-shopping 4X on U.S. Online Retail digital-wallet 3X on All Purchases
bonus-extra

Bonus Extra

1 Free Night Reward
Limited Offer
Limited Offer
Bonus Points
40,000 hourglass-blue
Minimum Spend
$5,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$229 circle-info

Differentiating Perks

airlines Free Standard Seat Upgrade (48 Hours Out) airlines Anniversary 7,500 Bonus Points airlines Free Checked Bag + 8 Guests airlines 4X on Southwest Airlines Purchases
bonus-extra

Bonus Extra

Companion Pass valid through 2/28/27
Limited Offer
Limited Offer
Bonus Points
30,000 hourglass-blue
Minimum Spend
$4,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$149

Differentiating Perks

airlines Free Standard Seat Upgrade (48 Hours Out) airlines Anniversary 6,000 Bonus Points airlines Free Checked Bag + 8 Guests airlines 4X on Southwest Airlines Purchases
bonus-extra

Bonus Extra

Companion Pass valid through 2/28/27
Limited Offer
Limited Offer
Bonus Points
70,000 hourglass-blue
Minimum Spend
$2,000 / 6mo hourglass-blue
Point Value
0.5 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

hotels-resorts Hilton Honors Silver Status hotels-resorts 7X on Hilton Hotels & Resorts gas-stations 5X on Gas Stations restaurants 5X on U.S. Restaurants groceries 5X on U.S. Grocery Stores digital-wallet 3X on All Purchases
bonus-extra

Bonus Extra

A Free Night Reward
Limited Offer
Limited Offer
Bonus Points
20,000 hourglass-blue
Minimum Spend
$3,000 / 3mo hourglass-blue
Point Value
1.3 ¢
Annual Value
Annual Fee
$99

Differentiating Perks

airlines Anniversary 3,000 Bonus Points airlines Annual 10% Southwest Discount Code airlines Free Checked Bag + 8 Guests airlines 2X on Southwest Airlines Purchases
bonus-extra

Bonus Extra

Companion Pass valid through 2/28/27
Limited Offer
Limited Offer
Bonus Points
0 hourglass-blue
Minimum Spend
$1,000 / 3mo hourglass-blue
Point Value
0.7 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

hotels-resorts Marriott Bonvoy Silver Elite Status hotels-resorts 14X on Marriott Bonvoy Purchases groceries 2X on Grocery Stores car-rental 2X on Rideshare Services streaming-media 2X on Streaming & Cable Services internet-service 2X on Internet Services cell-phone 2X on Phone Services
bonus-extra

Bonus Extra

2 Free Nights