Ranked by First Year Value Credit Card Rankings
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Credit Card Rankings
Recommended
Bonus Points
175,000
Minimum Spend
$8,000 / 3mo
Point Value
1.6 ¢
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 Centurion Lounge Access
Annual $200 Uber Cash Credits*
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Annual Leaders Club Sterling Status
5X on Flights
Bonus Points
200,000
Minimum Spend
$20,000 / 3mo
Point Value
1.6 ¢
Annual Value
Annual Fee
$895
Differentiating Perks
Global & Centurion Lounge Access
Semi-Annual $300 Hotel Statement Credits
Anniversary Companion Certificate
Annual $200 Airline Credit
Quarterly $50 Hilton Credit
Annual Delta Sly Club Passes (10)
Annual Centurion Lounge Access
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Annual Leaders Club Sterling Status
Limited Offer
Limited Offer
Bonus Points
200,000 
Minimum Spend
$15,000 / 3mo
Point Value
1.6 ¢
Annual Value
Annual Fee
$375
Differentiating Perks
Unique 4X Spend Categories
Rules
Bonus Points
150,000
Minimum Spend
$20,000 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$795
Differentiating Perks
Annual $250 Edit Hotel Credit (2)
Annual $300 Travel Credit
4X on Flights
4X on Hotels
3X on Digital Marketing
Semi Annual $50 Gift Card Credit
Rules
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)
Annual $300 Travel Credit
Semi-Annual $150 StubHub Credit
4X on Flights
4X on Hotels
3X on Restaurants
IHG One Rewards Platinum Elite Status
Bonus Extra
$300 Travel Credit on Signup & Annually
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Points Transferable to Capital One Miles Cards
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
Differentiating Perks
3x on International Spend
Annual Alaska Lounge Passes (8)
Anniversary 25,000-Point Certificate
100,000-Point Certificate after $60,000 Spend
Rules
Bonus Extra
25,000 Global Companion Certificate
Bonus Points
150,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$395
Differentiating Perks
Eligible to Transfer Miles
Annual Capital One Lounge Access
Anniversary 10,000 Bonus Miles
2X on All Purchases
Rules
Bonus Extra
$300 Travel Credit on Signup & Annually
Differentiating Perks
Annual $304 Dining Credits*
4X on Restaurants*
4X on U.S. Grocery Stores
3X on Flights
Limited Offer
Limited Offer
Differentiating Perks
Annual $300 Hotel 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
Bonus Points
100,000
Minimum Spend
$10,000 / 3mo
Point Value
1.4 ¢
Annual Value
Annual Fee
$595
Differentiating Perks
Annual Admirals Club Membership
4X on American Airlines Purchases
Differentiating Perks
5X on Office Supply Stores*
5X on Internet Services*
5X on Cable Services*
5X on Phone Services*
2% Cash Back on Gas Stations*
2% Cash Back on Restaurants*
0% Intro APR for 12 Months
Differentiating Perks
0% Intro APR for 12 Months
Unlimited 1.5% Cash Back on All Purchases
Limited Offer
Limited Offer
Differentiating Perks
3X on British Airways Flgihts
3X on Iberia Flights
3X on Aer Lingus Flights
Rules
Differentiating Perks
3X on Restaurants
3X on Food Delivery Services
3X on Streaming Services*
3X on Online Grocery Purchases
Bonus Extra
$50 Annual Chase Travel Hotel Credit
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
Points Transferable to Capital One Miles Cards
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual Admiral's Club Passes (4)
Anniversary $99 Companion Certificate
Annual $100 Splurge Credit
2X on Restaurants
2X on Ride Share & Transit
3X on American Airlines Purchases
Limited Offer
Limited Offer
Differentiating Perks
Annual United Club One-Time Passes (2)
7X on United Flight Purchases
2X on Gas Stations
2X on Restaurants
2X on Office Supply Stores
2X on Local Transit
Limited Offer
Limited Offer
Differentiating Perks
Annual 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
Annual United Club One-Time Passes (2)
7X on United Flight Purchases
2X on Hotels
2X on Restaurants
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual $99 Companion Fare
3X on Hawaiian & Alaska Airlines Purchases
Rules
Limited Offer
Limited Offer
Differentiating Perks
Annual $99 Companion Fare
2X on Gas Stations & EV Charging
2X on Local Transit
2X on Cable & Streaming Services*
3X on Hawaiian & Alaska Airlines Purchases
Rules
Differentiating Perks
Annual $200 United Travel Credit
2X on Travel
2X on Restaurants
8X on United Flights
Rules
Limited Offer
Limited Offer
Differentiating Perks
Anniversary Free Night
Annual Marriott Bonvoy Silver Elite Status
17X on Marriot Bonvoy Purchases
Rules
Bonus Extra
5 Free Nights + $100 Airline Credit
Differentiating Perks
Annual United Club Membership
Anniversary United Club One-Time Passes (4)
9X on United Flight Purchases
2X on Restaurants
Rules
Differentiating Perks
Annual Delta Sky Club Access*
Annual Delta Sky Club Guest Passes (4)
Annual Companion Certificate
3X on Delta Purchases
15% Discount on Every Delta Flight
Differentiating Perks
Anniversary Free Night
3X on All Purchases
5X on Restaurants
5X on Gas Stations
5X on Advertising & Marketing
5X on Office Supply Stores
10X on IHG Hotels & Resorts
IHG One Rewards Platinum Elite Status
Limited Offer
Limited Offer
Differentiating Perks
Eligible to Transfer Miles
Unlimited 2X Miles on All Purchases
Bonus Extra
$250 travel credit
Differentiating Perks
Unlimited 1.5% Cash Back on All Purchases
Rules
Differentiating Perks
Annual United Club Membership
Anniversary United Club One-Time Passes (4)
7X on United Flight Purchases
Differentiating Perks
Annual Delta Sky Club Access*
Annual Delta Sky Club Guest Passes (4)
Anniversary Companion Certificate
Annual Centurion Lounge Access
Delta Upgrade Priority
15% Discount on Every Delta Flight
3X on Delta Purchases
Differentiating Perks
3X on Hawaiian & Alaska Airlines Purchases
2X on Gas Stations
2X on Grocery Stores
2X on Restaurants
Annual $100 Companion Discount
One-Time 50% Off Companion Discount
Rules
Differentiating Perks
3X on Restaurants
3X on Airlines
3X on Hotels
3X on Groceries
3X on Gas Stations & EV Charging
Differentiating Perks
2X on Gas Stations
2X on Car Rentals
2X on American Airlines Purchases
Differentiating Perks
Anniversary 9,000 Bonus Points
Anniversary 10,000 Companion Pass Points
Complimentary Preferred Seat Upgrade
4X on Southwest Airlines Purchases
Differentiating Perks
World of Hyatt Elite Discoverist Status
9X on Hyatt Hotels
2X on Fitness & Memberships
Differentiating Perks
3X on Grocery Stores
3X on Restaurants
Aeroplan Elite 25K Status
3X on Air Canada Purchases
Rules
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
100 Experience Points
Differentiating Perks
3X on Hawaiian & Alaska Airlines Purchases
2x on Restaurants
2X on Gas Stations
2X on Office Supply Stores
50% Off Companion Discount
Rules
Differentiating Perks
Anniversary 6,000 Bonus Points
Anniversary 10,000 Companion Pass Points
3X on Southwest Airlines Purchases
Complimentary Preferred Seat Upgrade*
Differentiating Perks
15% Discount on Every Delta Flight
2X on Delta Purchases
2X on U.S. Shipping Services
2X on U.S. Advertising & Marketing
Annual Priority Boarding
Differentiating Perks
Anniversary 5,000 Bonus Points
6X on JetBlue Purchases
2X on Restaurants
2X on Grocery Stores
Rules
Differentiating Perks
Priority JetBlue Group A Boarding
Anniversary 5,000 Bonus Points
6X on JetBlue Purchases
2X on Restaurants
2X on Office Supply Stores
Rules
Differentiating Perks
Eligible to Transfer Miles
Capital One & Priority Pass Lounge Access
2X Miles on All Purchases
Anniversary 10,000 Bonus Miles
Upgraded Hertz President's Circle Status
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
9X on Hyatt Hotels and Resorts
World of Hyatt Discoverist Status
Anniversary Free Night
Rules
Bonus Extra
3 Free Nights
Differentiating Perks
Lufthansa Business Lounge Vouchers (2)
Anniversary Companion Ticket
2X on Lufthansa Miles & More Purchases
Rules
Differentiating Perks
Annual Delta Companion Certificate
15% Discount on Every Delta Flight
3X on Delta Purchases
3X on Hotels
Limited Offer
Limited Offer
Differentiating Perks
2X on Restaurants
6X on JetBlue Purchases
Anniversary 5,000 Bonus Points
Rules
Differentiating Perks
Anniversary 6,000 Bonus Points
Anniversary 10,000 Companion Pass Points
4X on Southwest Airlines Purchases
Complimentary Preferred Seat Upgrade*
Rules
Differentiating Perks
15% Discount on Every Delta Flight
2X on Delta Purchases
2X on U.S. Restaurants
2X on U.S. Grocery Stores
Differentiating Perks
Anniversary 3,000 Bonus Points
Annual 10% Southwest Discount Code
Anniversary 10,000 Companion Pass Points
2X on Southwest Airlines Purchases
Complimentary Preferred Seat Upgrade*
Rules
Differentiating Perks
Eligible to Transfer Miles
Unlimited 2X Miles on All Purchases
Hertz Car Rental Five Star Status
Rules
Differentiating Perks
Eligible to Transfer Miles
Rules
Limited Offer
Limited Offer
Differentiating Perks
3X on Restaurants
3X on Utilities
3X on Gas Stations
3X on Streaming Service*
3X on Internet Services
3X on Cell Phone Services
15X on IHG Hotels & Resorts
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
Differentiating Perks
Anniversary 7,500 Bonus Points
Anniversary 10,000 Companion Pass Points
4X on Southwest Airlines Purchases
Complimentary Preferred Seat Upgrade
Rules
Differentiating Perks
Annual $200 Hilton Credit
Annual Hilton Honors Gold 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
Differentiating Perks
Points for Paying Rent & Mortgage
Rules
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
Differentiating Perks
Annual Free Night
Annual $400 Hilton Resorts Credit*
Annual $200 Flight Credit
Annual Hilton Honors Diamond Status
14X on Hilton Hotels & Resorts
7X on U.S. Restaurants
3X on All Purchases
Differentiating Perks
Annual Airline Incidental Statement Credit
2X on Travel
2X on Restaurants
Rules
Differentiating Perks
2X on Gas Stations
2X on Ride Shares & Transit
7X on United Flight Purchases
Rules
Differentiating Perks
12X on Hilton Hotels & Resorts
5X on All Purchases*
Annual Hilton Honors Gold Status
Annual National Car Rental Emerald Club Status
Differentiating Perks
2X on All Purchases
6X on Marriott Hotels
Rules
Differentiating Perks
Anniversary Free Night
Annual Marriott Bonvoy Platinum Elite Status
3X on Restaurants
21X on Marriot Bonvoy Stays
3X on Flights
2X on All Purchases
Monthly $25 Dining Statement Credit
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
2X on Restaurants
1.5X on All Purchases
Rules
Differentiating Perks
Annual Hilton Honors Silver Status
5X on Gas Stations
5X on U.S. Restaurants
5X on U.S. Grocery Stores
7X on Hilton Hotels & Resorts
3X on All Purchases
Differentiating Perks
6X on Gas Stations
4X on Grocery Stores*
4X on Restaurants
Anniversary 7,500 Bonus Points
Wyndham Rewards Platinum Status
6X on Hotels by Wyndham
Rules
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
Differentiating Perks
Anniversary 15,000 Bonus Points
Wyndham Rewards Diamond Member Status
5X on Advertising & Marketing
5X on Utilities
8X on Hotels by Wyndham
Rules
Differentiating Perks
Unlimited 2% Cash Back on All Purchases
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
Unlimited 2% Cash Back on All Purchases
Differentiating Perks
0% Intro APR on Balance Transfers for 18 Months
Differentiating Perks
3X on U.S. Supermarkets*
3X on Gas Stations*
Differentiating Perks
Eligible to Transfer Miles
1.25X on All Purchases
Hertz Car Rental Five Star Status
Differentiating Perks
5X on Gas Stations
2X on Restaurants
2X on Grocery Stores*
5X on Hotels by Wyndham
Wyndham Rewards Gold Member Status
Rules
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
Differentiating Perks
2X on All Purchases
6X on Marriott Hotels
Differentiating Perks
0% Intro APR for 7 Months
Rules
Differentiating Perks
0% Intro APR for 7 Months
Rules
Differentiating Perks
1.5% Cash Back on All Purchases
6% Cash Back with Select Retailers (Max. $1,500 Spend)
Rules
Differentiating Perks
Unlimited 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
1.5X on All Purchases
0% Intro APR for 15 Months
Rules
Differentiating Perks
2X on All Purchases*
0% Intro APR for 12 Months
Differentiating Perks
2X on All Purchases*
0% Intro APR for 12 Months
Differentiating Perks
2X on Grocery Stores
2X on Gas Stations & EV Charging
2X on Streaming Services
Rules
Differentiating Perks
0% Intro APR for 15 Months
Rules
Differentiating Perks
2X on Streaming Services
0% Intro APR for 15 Months
2X on Grocery Stores
2X on Restaurants
Rules
Differentiating Perks
2X on Grocery Stores
2X on American Airlines Purchases
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
Limited Offer
Limited Offer
Differentiating Perks
14X on Marriott Bonvoy Purchases
Annual Marriott Bonvoy Silver Elite Status
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
Rules
Differentiating Perks
2X on Restaurants
2X on Grocery Stores
3X on JetBlue Purchases
Rules
Differentiating Perks
2% Cash Back on Restaurants
2% Cash Back on Gas Stations
2% Cash Back on Transit & Rideshare
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Foods Market
Rules
Differentiating Perks
2X on Restaurants
2X on Delta Purchases
Differentiating Perks
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Food Market Purchases
2% Cash Back on U.S. Gas Stations
2% Cash Back on U.S. Restaurants
2% Cash Back on U.S. Cell Phone Services
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
Rules
Differentiating Perks
Points for Paying Rent & Mortgage
Rules
Differentiating Perks
Points for Paying Rent & Mortgage
Rules
Differentiating Perks
Anniversary Free Night
4X on Restaurants
4X on U.S. Gas Stations
6X on Marriott Hotels
4X on U.S. Shipping Services
Bonus Extra
3 Free Night Awards