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
200,000 $30,000 1.1 ¢ $0 $150
$2380
Best Value Differentiating Perks Rules
Cash Back 2% Cash Back every purchase. No CR , 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
150,000 $20,000 1.5 ¢ $230 $695
$2153
Best Value Differentiating Perks Rules
1.54 cents in Amex Travel Portal Premier Airport Lounges, Hilton Gold Status, 5x points on Amex travel No CR , No 2nd Biz , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $5,000 1.6 ¢ $92 $95
$1677
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 3X points on dining, 2X on travel. 125% Point redemption on Chase portal 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
125,000 $5,000 1.3 ¢ $125 $150
$1665
Best Value Differentiating Perks Rules
Intl Biz Class 2 United Club Passes Annually, Free Bag for you and a companion, Priority boarding No CR , 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
90,000 $8,000 1.6 ¢ $125 $95
$1598
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 3X points on travel, shipping, internet, cable, phone & online advertising No CR , 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 $30,000 1.1 ¢ $0 $395
$1585
Best Value Differentiating Perks Rules
10x Miles at hotels.com, 2x miles everything else 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.6 ¢ $128 $0
$1448
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 5X points at office supply stores & phone, internet & cable services No CR , 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 $7,500 1.6 ¢ $25 $0
$1345
Best Value Differentiating Perks Rules
Southwest, United & Hyatt transfers 1.5X points on all purchases No CR , 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 $15,000 1.6 ¢ $176 $95
$1281
Best Value Differentiating Perks Rules
Hyatt Hotel Stays, All Inclusives Discoverist Status, 1 free night per year, 9x points toward Hyatt hotel purchases Hyatt 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
100,000 $15,000 1.4 ¢ $2 $375
$1237
Best Value Differentiating Perks Rules
Delta & Hilton transfers Unique 4X spend categories No CR , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
125,000 $5,000 1.3 ¢ $195 $695
$1190
Best Value Differentiating Perks Rules
Int. Biz Class United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion No CR , 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 $5,000 1.4 ¢ $50 $0
$1170
Best Value Differentiating Perks Rules
AA International Flights First checked bag free, Preferred boarding, Double miles at gas stations & restaurants No CR , AA Personal 48 , No 2nd Biz , No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $3,000 1.3 ¢ $50 $0
$1129
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
140,000 $6,000 0.7 ¢ $125 $95
$1052
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
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 No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $4,000 1.1 ¢ $0 $95
$1049
Best Value Differentiating Perks Rules
Wyndham transfers 10x Miles at hotels.com, 2x miles everything else 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $5,000 1.3 ¢ $130 $199
$1036
Best Value Differentiating Perks Rules
Companion Pass, US & Caribbean Flights 9000 bonus points annually, 4 A-list boardings, WiFi credit, TSA Credit No CR , 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 $4,000 1.7 ¢ $474 $550
$1009
Best Value Differentiating Perks Rules
Travel of all kinds 3X points on travel & dining, 150% point redemption on Chase portal, complimentary priority pass membership 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
90,000 $4,000 1.3 ¢ $125 $350
$997
Best Value Differentiating Perks Rules
Int. Biz Class $125 annual United purchase credit & 2 bags free for you & 1 companion 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $8,000 1.5 ¢ $332 $695
$992
Best Value Differentiating Perks Rules
Delta & Hilton transfers Premier Airport Lounges, Hilton Gold Status, 5x points on Amex travel Amex 3/90 , No 5/24 , Amex 1/10
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
140,000 $3,000 0.6 ¢ $152 $99
$911
Best Value Differentiating Perks Rules
IHG Hotels Platinum Elite status, Anniversary Free Night, 4th Reward Night Free 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 $7,500 1.1 ¢ $0 $0
$908
Best Value Differentiating Perks Rules
US Bank Travel Portal 2x back on unique spend categories not offered by other cards. No CR , 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $7,500 1.1 ¢ $0 $0
$908
Best Value Differentiating Perks Rules
Cash Back 2% Cash Back every purchase. No CR , 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $6,000 1.1 ¢ $0 $0
$891
Best Value Differentiating Perks Rules
Up to 3% cash back on select categories 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $5,000 1.6 ¢ $50 $199
$891
Best Value Differentiating Perks Rules
Hyatt Hotel Stays, All Inclusive Discoverist Status & 9x points toward Hyatt hotel purchases 5/24 , No CR , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
140,000 $4,000 0.6 ¢ $125 $99
$890
Best Value Differentiating Perks Rules
IHG Hotels Platinum Elite status, Anniversary Free Night No CR , 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
155,000 $5,000 0.7 ¢ $0 $250
$870
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
185,000 $6,000 0.7 ¢ $175 $650
$862
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs $300 Statement Credit on Marriott purchases, free night annually Amex 4 Credit , Bonvoy 1/24 , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.4 ¢ $50 $95
$837
Best Value Differentiating Perks Rules
Automatic Aeroplan 25K Status annually for New cardmember,3x points on grocery stores & Restaurant 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
85,000 $5,000 1.0 ¢ $25 $95
$830
Best Value Differentiating Perks Rules
Short haul flights that don't include London 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
70,000 $6,000 1.2 ¢ $250 $350
$812
Best Value Differentiating Perks Rules
Delta flights $100 credit with Delta purchase, Anniversary companion pass No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $4,000 1.4 ¢ $0 $95
$801
Best Value Differentiating Perks Rules
No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.3 ¢ $80 $99
$800
Best Value Differentiating Perks Rules
Companion Pass, US & Caribbean Flights 6000 bonus points annually No CR , 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $5,000 1.4 ¢ $0 $0
$770
Best Value Differentiating Perks Rules
No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $4,000 1.2 ¢ $0 $0
$768
Best Value Differentiating Perks Rules
Delta International Flights Priority Boarding, Free checked bag, 20% off in-flight purchases No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
70,000 $1,000 1.2 ¢ $0 $99
$753
Best Value Differentiating Perks Rules
JetBlue Flights 6x Points on JetBlue purchases, Free first checked bag, 50% inflight savings. No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $3,000 1.4 ¢ $0 $0
$742
Best Value Differentiating Perks Rules
AA International Flights Free checked bag & preferred boarding on AA AA Personal 48 , No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $1 1.4 ¢ $0 $99
$741
Best Value Differentiating Perks Rules
AA Travel Only 1 purchase needed to receive sign up bonus, checked bag free, preferred boarding No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $10,000 1.1 ¢ $0 $195
$740
Best Value Differentiating Perks Rules
2X on all purchases 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $6,000 1.1 ¢ $0 $0
$726
Best Value Differentiating Perks Rules
$25 statement credit after three consecutive monthly taxi 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
95,000 $5,000 1.3 ¢ $100 $695
$705
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
80,000 $10,000 1.2 ¢ $270 $650
$700
Best Value Differentiating Perks Rules
Delta flights Delta sky club access, Annual companion certificate No CR , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
130,000 $3,000 0.6 ¢ $51 $150
$699
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 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $4,000 1.2 ¢ $21 $95
$694
Best Value Differentiating Perks Rules
ThankYou points 3x Points on travel, 2x Points on dining, Transfer toward statement credit, airfare, hotels TY 1/24 , No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.2 ¢ $0 $70
$686
Best Value Differentiating Perks Rules
Alaskan Airline Flights Annual $99 companion Fare No CR , B of A 1/24 , No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
90,000 $6,000 0.7 ¢ $125 $125
$672
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs Solid 4x categories, annual free room No CR , No 2nd Biz , Bonvoy 1/24 , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
130,000 $6,000 0.6 ¢ $50 $195
$671
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 No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.2 ¢ $0 $95
$661
Best Value Differentiating Perks Rules
Alaskan Airline Flights Annual $99 companion Fare No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
100,000 $10,000 0.7 ¢ $125 $195
$645
Best Value Differentiating Perks Rules
Gift cards or travel purchases 5X points on travel, unlimited 2x cash back No CR , 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 $6,000 0.6 ¢ $240 $550
$626
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 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $2,000 1.2 ¢ $0 $0
$624
Best Value Differentiating Perks Rules
International Delta Flights Free checked bag, priority boarding Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
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. No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $4,000 1.0 ¢ $70 $95
$615
Best Value Differentiating Perks Rules
Cash Airline Incidentals B of A 1/24 , No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $3,000 1.2 ¢ $200 $350
$606
Best Value Differentiating Perks Rules
Delta flights $100 credit with Delta purchase, Anniversary companion pass Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $6,000 1.4 ¢ $1 $325
$600
Best Value Differentiating Perks Rules
Delta & Hilton transfers 4x Points at restaurants and supermarkets, $120 Dining credit, $100 Airline credit Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
Wyndham transfers 2x Miles on every purchase, erase travel purchases, primary car insurance. No CR , 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
1.5 Miles on every purchase 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,500 1.1 ¢ $0 $0
$600
Best Value Differentiating Perks Rules
1.5 Miles on every purchase 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $1,000 1.3 ¢ $0 $69
$594
Best Value Differentiating Perks Rules
US & Caribbean Flights 3000 bonus points annually SW Pers 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
20,000 $500 1.6 ¢ $250 $0
$578
Best Value Differentiating Perks Rules
Cash Back, Ultimate Rewards: Southwest, United & Hyatt transfers. 5X points back on quarterly rotating categories,5X on travel,3x on drug store and 3x on dining.Combine points with a Sapphire Reserve Card for more value. 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
50,000 $1,000 1.3 ¢ $0 $99
$564
Best Value Differentiating Perks Rules
US & Caribbean Flights Companion Pass, 6000 bonus points annually SW Pers 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
70,000 $5,000 1.2 ¢ $310 $650
$560
Best Value Differentiating Perks Rules
Delta flights Delta sky club access, annual companion certificate Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
75,000 $4,000 1.1 ¢ $80 $395
$554
Best Value Differentiating Perks Rules
Wyndham transfers 10x Miles at hotels.com,5xMiles at flights.com & 2x miles everything else 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,000 1.2 ¢ $0 $99
$549
Best Value Differentiating Perks Rules
JetBlue Flights 6x Points on JetBlue purchases, Free first checked bag, 50% inflight savings. No CR , No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $2,000 1.2 ¢ $0 $89
$535
Best Value Differentiating Perks Rules
Flying Blue No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $1,000 1.3 ¢ $0 $149
$514
Best Value Differentiating Perks Rules
Companion Pass, US & Caribbean Flights 7500 bonus points annually, 4 A-list boarding, $75 travel credit SW Pers 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
50,000 $3,000 1.1 ¢ $0 $89
$494
Best Value Differentiating Perks Rules
Lufthansa flights 2 lounge vouchers & anniversary companion ticket No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $2,000 0.6 ¢ $0 $0
$492
Best Value Differentiating Perks Rules
Hilton Stays & Perks 6x Points restaurants, supermarkets and gas. Complimentary Silver Status. Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
80,000 $2,000 0.6 ¢ $0 $0
$492
Best Value Differentiating Perks Rules
IHG hotels Gold Elite status, 4th Reward Night Free 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
70,000 $7,000 1.4 ¢ $0 $595
$483
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 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
40,000 $3,000 1.4 ¢ $0 $150
$452
Best Value Differentiating Perks Rules
Delta & Hilton transfers 3x points on travel,Transit and restaurants,$100 annual CLEAR credit ,$199 annual LoungeBuddy credit Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
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
5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
70,000 $5,000 1.2 ¢ $0 $499
$401
Best Value Differentiating Perks Rules
JetBlue Flights 6x Points on JetBlue purchases & Free first checked bag No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
85,000 $4,000 0.7 ¢ $1 $250
$374
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs 2x on all other purchases, annual free night 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $500 1.4 ¢ $75 $0
$362
Best Value Differentiating Perks Rules
Travel, Gift Cards, Cash Back 2% Cash Back every purchase No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
60,000 $2,000 0.7 ¢ $0 $99
$335
Best Value Differentiating Perks Rules
Hawaiian Airlines flight 50% off companion discount No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
30,000 $3,000 1.0 ¢ $0 $0
$330
Best Value Differentiating Perks Rules
Cash 3X multiplier for travel purchases with no annual fee No CR , No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
30,000 $3,000 1.0 ¢ $0 $0
$330
Best Value Differentiating Perks Rules
cash No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $500 1.6 ¢ $0 $0
$328
Best Value Differentiating Perks Rules
Cash Back, Ultimate Rewards: Southwest, United & Hyatt transfers. 3% Cash back on purchases up to $20000 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
75,000 $5,000 1.0 ¢ $70 $550
$320
Best Value Differentiating Perks Rules
No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $2,000 1.1 ¢ $1 $0
$298
Best Value Differentiating Perks Rules
Cash Back, Gift Cards 6% cash back on personally selected categories. 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,000 1.4 ¢ $0 $0
$294
Best Value Differentiating Perks Rules
3x in Restaurants & Gas No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $3,000 1.0 ¢ $2 $0
$282
Best Value Differentiating Perks Rules
Delta & Hilton transfers 6% bonus at U.S. supermarkets limited to $6,000 in purchases per year Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $3,000 1.0 ¢ $0 $0
$280
Best Value Differentiating Perks Rules
Cash Back Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
50,000 $4,000 0.7 ¢ $0 $99
$279
Best Value Differentiating Perks Rules
Hawaiian Airlines Flights 50% off companion discount No CR , No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $1,000 1.0 ¢ $0 $0
$260
Best Value Differentiating Perks Rules
Statement credit toward travel purchases No annual fee and no foreign transaction fees No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,500 1.2 ¢ $0 $0
$258
Best Value Differentiating Perks Rules
No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
15,000 $0 0.7 ¢ $150 $0
$255
Best Value Differentiating Perks Rules
Amazon Purchases 5% back on Amazon & at Whole Foods 5/24 , Chase 2/30 , Chase 4/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
40,000 $1,000 0.7 ¢ $0 $49
$238
Best Value Differentiating Perks Rules
Disney parks and Resorts 2% Disney Rewards Dollars on gas station, grocery stores & restaurants 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
20,000 $1,000 1.1 ¢ $0 $0
$231
Best Value Differentiating Perks Rules
US Bank Travel Portal $30 credit for annual streaming service purchases & 2x on streaming services 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,000 1.1 ¢ $0 $0
$231
Best Value Differentiating Perks Rules
4X in Restaurant & 2x in Grocery store 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $500 1.1 ¢ $0 $0
$226
Best Value Differentiating Perks Rules
Wyndham transfers Solid benefits for a card with no annual 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $2,000 1.0 ¢ $0 $0
$220
Best Value Differentiating Perks Rules
3% bonus at U.S. supermarkets Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
30,000 $1,000 0.7 ¢ $0 $0
$217
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 $500 1.4 ¢ $0 $0
$217
Best Value Differentiating Perks Rules
No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,500 1.0 ¢ $0 $0
$215
Best Value Differentiating Perks Rules
Cash back 2% cash-back earnings on all purchases — 1% when you buy and another 1% when you pay No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,000 1.0 ¢ $1 $0
$211
Best Value Differentiating Perks Rules
Cash Back, Gift Cards 5% cash back on personally selected categories. 5/24 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,000 1.0 ¢ $0 $0
$210
Best Value Differentiating Perks Rules
Cash Back 3% cash back in the category of your choice No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $1,000 1.0 ¢ $0 $0
$210
Best Value Differentiating Perks Rules
Cash Back unlimited 1.5% cash back on all purchases No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $500 1.0 ¢ $0 $0
$205
Best Value Differentiating Perks Rules
Cash Back 3% Cash Back on Dining & Entertainment, 3% Grocery, $200 Cash Bonus. 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
20,000 $500 1.0 ¢ $0 $0
$205
Best Value Differentiating Perks Rules
Easier approval for those looking to build credit 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
15,000 $3,000 1.0 ¢ $0 $0
$180
Best Value Differentiating Perks Rules
Cash Back Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
15,000 $3,000 1.4 ¢ $0 $95
$157
Best Value Differentiating Perks Rules
Delta & Hilton transfers 2x points on restaurants,entertainment and Grocery stores No CR , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
10,000 $1,000 1.2 ¢ $0 $0
$132
Best Value Differentiating Perks Rules
Delta flights Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
10,000 $1,000 1.2 ¢ $0 $0
$132
Best Value Differentiating Perks Rules
JetBlue flights 3x Points on JetBlue purchases & 50% inflight savings. B of A 1/24 , No 5/24 , Barclay 0/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
12,500 $1 0.7 ¢ $0 $0
$88
Best Value Differentiating Perks Rules
Amazon Purchases 5% back on Amazon & at Whole Foods No CR , No 2nd Biz , Amex 3/90 , No 5/24 , Amex 1/10
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
1 $1 1.0 ¢ $1 $0
$1
Best Value Differentiating Perks Rules
Cash Back, Gift Cards Discover will match all cash back at the year end, making rotating categories 10% for the first year No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
0 $0 1.0 ¢ $0 $0
$0
Best Value Differentiating Perks Rules
Cash Back Earn 4% on eligible gas purchases, plus 3% on restaurant and all eligible travel purchases worldwide. No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
0 $0 1.0 ¢ $0 $0
$0
Best Value Differentiating Perks Rules
Cash Back Earn 4% on eligible gas purchases No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
0 $1 1.0 ¢ $0 $0
$0
Best Value Differentiating Perks Rules
Cash Back, Travel Discover will match every mile for the first year giving 3% cash back on all categories for the first year No 5/24
Card Details
Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
1 $1 0.0 ¢ $0 $0
$0
Best Value Differentiating Perks Rules
Cash Back Discover will match Cash back after the first year with no cap, 2x Cash Back for gas and restaurants up to $4,000 annually No 5/24