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Live offer board

Every current welcome bonus, ranked by what it's actually worth.

Bonuses are quoted in points, which makes them impossible to compare. We convert each one to dollars using realistic transfer values, so a 100,000-point offer and a 75,000-point offer can be judged side by side.

Review due Aug 17, 2026

Dataset v2026.08.17b · reviewed monthly

Next review Sep 17, 2026

Current credit card welcome bonuses ranked by estimated dollar value, including minimum spend requirements and annual fees.
CardBonusEst. valueTo qualifyMonthly paceAnnual fee
The Business Platinum Card from American ExpressElevatedAmerican Express · Amex Membership Rewards250,000pts$5,000$20,000 in 3 months$6,667/mo$895
American Express Business Gold CardElevatedAmerican Express · Amex Membership Rewards200,000pts$4,000$15,000 in 3 months$5,000/mo$375
The Platinum Card from American ExpressElevatedAmerican Express · Amex Membership Rewards175,000pts$3,500$12,000 in 6 months$2,000/mo$895
Capital One Venture X BusinessCapital One · Capital One Miles150,000pts$2,100$30,000 in 3 months$10,000/mo$395
Chase Sapphire ReserveChase · Chase Ultimate Rewards100,000pts$2,050$5,000 in 3 months$1,667/mo$795
Chase Ink Business PreferredChase · Chase Ultimate Rewards100,000pts$2,050$8,000 in 3 months$2,667/mo$95
American Express Gold CardElevatedAmerican Express · Amex Membership Rewards100,000pts$2,000$8,000 in 6 months$1,333/mo$325
Capital One Spark Cash PlusCapital One · Cash back200,000pts$2,000$30,000 in 3 months$10,000/mo$150
Chase Sapphire PreferredChase · Chase Ultimate Rewards75,000pts$1,538$5,000 in 3 months$1,667/mo$95
Chase Ink Business UnlimitedChase · Chase Ultimate Rewards75,000pts$1,538$6,000 in 3 months$2,000/mo$0
Chase Ink Business CashChase · Chase Ultimate Rewards75,000pts$1,538$6,000 in 3 months$2,000/mo$0
Citi Strata PremierCiti · Citi ThankYou Points75,000pts$1,275$4,000 in 3 months$1,333/mo$95
Marriott Bonvoy Brilliant American ExpressElevatedAmerican Express · Marriott Bonvoy150,000pts$1,260$6,000 in 6 months$1,000/mo$650
Delta SkyMiles Reserve American ExpressAmerican Express · Delta SkyMiles100,000pts$1,200$6,000 in 6 months$1,000/mo$650
Citi / AAdvantage Platinum SelectCiti · American AAdvantage80,000pts$1,160$3,500 in 4 months$875/mo$99
Delta SkyMiles Platinum American ExpressAmerican Express · Delta SkyMiles90,000pts$1,080$4,000 in 6 months$667/mo$350
United Club Infinite CardChase · United MileagePlus80,000pts$1,080$5,000 in 3 months$1,667/mo$695
Southwest Rapid Rewards Performance BusinessChase · Southwest Rapid Rewards80,000pts$1,080$5,000 in 3 months$1,667/mo$299
Capital One Venture XCapital One · Capital One Miles75,000pts$1,050$4,000 in 3 months$1,333/mo$395
Capital One Venture RewardsCapital One · Capital One Miles75,000pts$1,050$4,000 in 3 months$1,333/mo$95
Marriott Bonvoy Business American ExpressAmerican Express · Marriott Bonvoy125,000pts$1,050$8,000 in 6 months$1,333/mo$125
World of Hyatt Credit CardChase · World of Hyatt60,000pts$1,020$6,000 in 6 months$1,000/mo$95
Citi / AAdvantage ExecutiveCiti · American AAdvantage70,000pts$1,015$7,000 in 3 months$2,333/mo$695
Alaska Airlines Visa SignatureBank of America · Alaska Mileage Plan70,000pts$1,015$3,000 in 3 months$1,000/mo$95
United Business CardChase · United MileagePlus75,000pts$1,013$5,000 in 3 months$1,667/mo$150
Hilton Honors Aspire American ExpressAmerican Express · Hilton Honors175,000pts$963$6,000 in 6 months$1,000/mo$550
Bilt Palladium CardBilt · Bilt Rewards50,000pts$950$4,000 in 3 months$1,333/mo$495
United Quest CardChase · United MileagePlus70,000pts$945$4,000 in 3 months$1,333/mo$350
JetBlue Plus CardBarclays · JetBlue TrueBlue70,000pts$910$1,000 in 3 months$333/mo$99
Wells Fargo Autograph JourneyWells Fargo · Wells Fargo Rewards60,000pts$900$4,000 in 3 months$1,333/mo$95
Delta SkyMiles Gold American ExpressAmerican Express · Delta SkyMiles70,000pts$840$3,000 in 6 months$500/mo$150
Marriott Bonvoy BoundlessChase · Marriott Bonvoy100,000pts$840$5,000 in 3 months$1,667/mo$95
IHG One Rewards PremierChase · IHG One Rewards140,000pts$840$3,000 in 3 months$1,000/mo$99
United Explorer CardChase · United MileagePlus60,000pts$810$3,000 in 3 months$1,000/mo$150
Hilton Honors Surpass American ExpressAmerican Express · Hilton Honors130,000pts$715$3,000 in 6 months$500/mo$150
Marriott Bonvoy Bevy American ExpressAmerican Express · Marriott Bonvoy85,000pts$714$5,000 in 6 months$833/mo$250
Southwest Rapid Rewards PriorityChase · Southwest Rapid Rewards50,000pts$675$3,000 in 3 months$1,000/mo$229
Hilton Honors American ExpressAmerican Express · Hilton Honors100,000pts$550$2,000 in 6 months$333/mo$0
Chase Freedom UnlimitedChase · Chase Ultimate Rewards20,000pts$410$500 in 3 months$167/mo$0
Chase Freedom FlexChase · Chase Ultimate Rewards20,000pts$410$500 in 3 months$167/mo$0
United Gateway CardChase · United MileagePlus30,000pts$405$1,000 in 3 months$333/mo$0
Citi Double CashCiti · Citi ThankYou Points20,000pts$340$1,500 in 3 months$500/mo$0
Amex Blue Business PlusAmerican Express · Amex Membership Rewards15,000pts$300$3,000 in 3 months$1,000/mo$0
Capital One SavorCapital One · Cash back25,000pts$250$500 in 3 months$167/mo$0
Amex Blue Business CashAmerican Express · Cash back25,000pts$250$3,000 in 3 months$1,000/mo$0

Read the monthly pace column before you apply. A 175,000-point bonus requiring $12,000 in six months means $2,000 of genuine spending every month. If that’s more than you normally spend, a smaller bonus you’ll actually earn beats a larger one you won’t. Offers are frequently targeted to individuals — always check your own issuer login before applying.

The full catalog

Every card we track, with the catch included.

Earn rates, statement credits, who each card suits, and the thing the marketing page won't tell you. Airline, hotel and business cards are analysed in full once you hold them, but aren't recommended by default — brand loyalty and business eligibility aren't things a spending profile can reveal.

A note on the business cards. Several earn on categories this tool has no input for — office supplies, shipping, advertising, internet and phone. The Ink Business Cash and Amex Business Gold in particular are worth meaningfully more than the analyzer’s figures suggest, because we’d rather understate a card than talk you into one. The full rates are on each card below.

Flexible points cards16 cards

Earn currency you can move to airlines and hotels later. Start here — these never lock you into one brand.

  • Annual fee
    None
    Currency
    Amex Membership Rewards
    Foreign fees
    Yes

    Amex Blue Business Plus

    StarterBusinessAmerican Express · verified Aug 17, 2026

    2x Membership Rewards on literally everything, for no fee.

    Earns
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x flights
    • 2x hotels
    • 2x transit & rideshare
    • 2x everything else
    Best for

    Killing the 1x problem inside the Amex ecosystem. If you hold a Platinum, this card is close to mandatory.

    Watch out

    Charges foreign transaction fees. The 2x rate drops to 1x above $50,000 of annual spend.

    On the current offer: Business card — a sole proprietorship (freelance, resale, gig work) qualifies you to apply.

    View live terms at American Express
  • Annual fee
    None
    Currency
    Bilt Rewards
    Foreign fees
    None

    Bilt Blue Card

    StarterBilt · verified Aug 17, 2026

    The free way into the only program that pays on rent.

    Earns
    • 1x everything else
    Statement credits
    • Action$100 Bilt Cash on approvalresets annual
    • ActionRent Day double pointsresets monthly
    Best for

    Renters and homeowners who want housing points without paying a fee. On $2,000/month rent the 0.75x tier is 18,000 points a year you currently get nothing for.

    Watch out

    Only 1x on everyday spend, so this is a housing card rather than a daily driver. You can hold just one Bilt card — picking Blue rules out Obsidian and Palladium.

    On the current offer: No points bonus. Approval comes with $100 in Bilt Cash instead.

    View live terms at Bilt
  • Annual fee
    $95
    Currency
    Chase Ultimate Rewards
    Foreign fees
    None
    Credits
    $220/yr

    Chase Sapphire Preferred

    StarterChase · verified Aug 16, 2026

    The default first travel card, and still the right answer for most people.

    Earns
    • 5x travel via card portal
    • 3x dining & restaurants
    • 3x streaming services
    • 3x online retail
    • 2x flights
    • 2x hotels
    • 1x everything else
    Statement credits
    • $100/yrHotel credit via Chase Travelresets annual
    • $120/yrDoorDash promo creditresets monthly
    Best for

    Your first real travel card. After the June 2026 refresh the $100 hotel credit alone beats the $95 fee, before you count a single point.

    Watch out

    The 10% anniversary points bonus was discontinued for anyone applying on or after June 15 2026, so don't count on it. Also subject to Chase's 5/24 rule — 5+ personal cards opened at any bank in 24 months and you'll likely be denied.

    On the current offer: The 100,000-point promo ended July 30, 2026. 75k is the current standard offer.

    View live terms at Chase
  • Annual fee
    $95
    Currency
    Capital One Miles
    Foreign fees
    None

    Capital One Venture Rewards

    StarterCapital One · verified Aug 16, 2026

    Simple 2x on everything with no categories to memorize.

    Earns
    • 5x travel via card portal
    • 5x hotels
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x flights
    • 2x everything else
    Best for

    People who want travel rewards without tracking categories at all.

    Watch out

    The Venture X costs $300 more but returns $440 in credits and miles. If you travel even twice a year, the X is the better buy.

    On the current offer: Frequently matched to the Venture X offer.

    View live terms at Capital One
  • Annual fee
    $95
    Currency
    Citi ThankYou Points
    Foreign fees
    None
    Credits
    $100/yr

    Citi Strata Premier

    Mid-tierCiti · verified Aug 16, 2026

    The widest 3x coverage of any $95 card.

    Earns
    • 10x travel via card portal
    • 3x dining & restaurants
    • 3x groceries
    • 3x gas & ev charging
    • 3x flights
    • 3x hotels
    • 1x everything else
    Statement credits
    • $100/yrAnnual hotel benefitresets annual
    Best for

    Anyone whose spend is spread evenly across dining, groceries, and gas. One card covers all three at 3x.

    Watch out

    The $100 hotel credit needs a $500+ booking, so it's not free money for everyone.

    On the current offer: Historically peaks at 80k–85k; worth waiting for an elevated offer if you're not in a hurry.

    View live terms at Citi
  • Annual fee
    $95
    Currency
    Wells Fargo Rewards
    Foreign fees
    None
    Credits
    $50/yr

    Wells Fargo Autograph Journey

    Mid-tierWells Fargo · verified Aug 16, 2026

    The highest direct-booking hotel and airline rates at a $95 fee.

    Earns
    • 5x hotels
    • 4x flights
    • 3x dining & restaurants
    • 3x transit & rideshare
    • 3x travel via card portal
    • 1x everything else
    Statement credits
    • $50/yrAirline statement creditresets annual
    Best for

    People who book hotels directly for elite status rather than through a portal.

    Watch out

    The Wells Fargo transfer partner list is much shorter than Chase or Amex.

    On the current offer: Has run as high as 80k historically.

    View live terms at Wells Fargo
  • Annual fee
    $95
    Currency
    Bilt Rewards
    Foreign fees
    None
    Credits
    $100/yr

    Bilt Obsidian Card

    Mid-tierBilt · verified Aug 17, 2026

    Housing points plus 3x on whichever of dining or groceries you pick.

    Earns
    • 3x dining & restaurants
    • 2x flights
    • 2x hotels
    • 2x travel via card portal
    • 1x everything else
    Statement credits
    • $100/yrBilt Travel hotel creditresets annual
    • Action$200 Bilt Cash on approvalresets annual
    • ActionRent Day double pointsresets monthly
    Best for

    Renters who also spend heavily on food and want one card doing both jobs.

    Watch out

    The 3x covers dining or groceries, not both, and is capped at $25,000 a year — we model the dining choice. You can hold only one Bilt card.

    On the current offer: No points bonus. Approval comes with $200 in Bilt Cash instead.

    View live terms at Bilt
  • Annual fee
    $95
    Currency
    Chase Ultimate Rewards
    Foreign fees
    None

    Chase Ink Business Preferred

    Mid-tierBusinessChase · verified Aug 17, 2026

    The best-value business card in points, and it isn't close.

    Earns
    • 3x flights
    • 3x hotels
    • 3x travel via card portal
    • 3x transit & rideshare
    • 1x everything else
    Best for

    Anyone with even a side business. 100,000 Ultimate Rewards is roughly $2,050 at transfer value for a $95 fee.

    Watch out

    The 3x also covers shipping, internet/phone and advertising, which this tool can't model — your real earn is likely higher than shown. Counts toward Chase 5/24 for approval, though business cards don't add to your 5/24 count afterwards.

    On the current offer: 100,000 points after $8,000 in 3 months. Chase now limits this to once per lifetime for this card.

    View live terms at Chase
  • Annual fee
    $325
    Currency
    Amex Membership Rewards
    Foreign fees
    None
    Credits
    $424/yr

    American Express Gold Card

    Mid-tierAmerican Express · verified Aug 16, 2026

    Elevated offer

    The highest everyday earn rate on food, full stop.

    Earns
    • 5x travel via card portal
    • 5x hotels
    • 4x dining & restaurants
    • 4x groceries
    • 3x flights
    • 1x everything else
    Statement credits
    • $120/yrDining creditresets monthly
    • $120/yrUber Cashresets monthly
    • $100/yrResy creditresets semiannual
    • $84/yrDunkin' creditresets monthly
    Best for

    Anyone spending $500+/month on dining and groceries combined. The 4x/4x pairing is unmatched.

    Watch out

    The $325 fee is only worth it if you use the monthly credits. Miss them all and your effective fee stays $325.

    On the current offer: Elevated offer; the standard offer is typically 60k. Welcome offers vary by applicant.

    View live terms at American Express
  • Annual fee
    $375
    Currency
    Amex Membership Rewards
    Foreign fees
    None
    Credits
    $240/yr

    American Express Business Gold Card

    Mid-tierBusinessAmerican Express · verified Aug 17, 2026

    Elevated offer

    4x on wherever your business actually spends, chosen automatically each month.

    Earns
    • 1x everything else
    Statement credits
    • $240/yrFedEx, Grubhub & office supply creditresets monthly
    Best for

    Businesses with concentrated spend in one or two of the eligible categories.

    Watch out

    The 4x applies only to your top two categories each month, which this tool can't model — so the earn figures shown are deliberately conservative and the card is worth more than they suggest. Check the catalog entry for the real rates.

    On the current offer: Advertised as high as 200,000 points after $15,000 in 3 months. Welcome offers vary by applicant.

    View live terms at American Express
  • Annual fee
    $395
    Currency
    Capital One Miles
    Foreign fees
    None
    Credits
    $440/yr

    Capital One Venture X

    PremiumCapital One · verified Aug 16, 2026

    The premium card that pays for itself without any effort.

    Earns
    • 10x travel via card portal
    • 10x hotels
    • 5x flights
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x everything else
    Statement credits
    • $300/yrCapital One Travel creditresets annual
    • $140/yrAnniversary miles bonusresets annual
    Best for

    The best premium card for people who don't want homework. $300 travel + $140 in miles offsets $395 automatically, with no credits to chase.

    Watch out

    Lounge access was cut on 1 Feb 2026. Authorized users are no longer free for lounge purposes — $125/yr each — and guests are no longer complimentary unless you spend $75,000 a year. If you were holding this as a family lounge card, re-run the maths. Capital One's transfer partners are also weaker than Chase for domestic US flights.

    On the current offer: Consistent standing offer.

    View live terms at Capital One
  • Annual fee
    $395
    Currency
    Capital One Miles
    Foreign fees
    None
    Credits
    $440/yr

    Capital One Venture X Business

    PremiumBusinessCapital One · verified Aug 17, 2026

    Premium travel benefits that pay for themselves, on the business side.

    Earns
    • 10x travel via card portal
    • 10x hotels
    • 5x flights
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x everything else
    Statement credits
    • $300/yrCapital One Travel creditresets annual
    • $140/yrAnniversary miles bonusresets annual
    Best for

    Business owners who want the Venture X proposition without touching personal credit lines.

    Watch out

    This is a charge card — the balance is due in full each month, unlike the personal Venture X. The welcome bonus also demands far more spend.

    On the current offer: Up to 150,000 miles, but tiered against a high spend requirement. Confirm the current structure before applying.

    View live terms at Capital One
  • Annual fee
    $495
    Currency
    Bilt Rewards
    Foreign fees
    None
    Credits
    $600/yr

    Bilt Palladium Card

    PremiumBilt · verified Aug 17, 2026

    Premium housing rewards and a 2x floor on everything else.

    Earns
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x flights
    • 2x hotels
    • 2x travel via card portal
    • 2x everything else
    Statement credits
    • $400/yrBilt Travel hotel creditresets semiannual
    • $200/yrBilt Cashresets annual
    • ActionRent Day double pointsresets monthly
    Best for

    Homeowners and high-rent tenants who also want a 2x floor on everything else — the 2x makes the top housing tier genuinely reachable.

    Watch out

    $495 is a lot to carry, and the $400 hotel credit only works if you'll book through Bilt's own portal. You can hold only one Bilt card, so this rules out Blue and Obsidian.

    On the current offer: 50,000 Bilt Points plus $300 in Bilt Cash after $4,000 of everyday spend in 90 days. Rent and mortgage payments do not count toward the minimum.

    View live terms at Bilt
  • Annual fee
    $795
    Currency
    Chase Ultimate Rewards
    Foreign fees
    None
    Credits
    $1,940/yr

    Chase Sapphire Reserve

    PremiumChase · verified Aug 16, 2026

    A credit-stacking machine. Brilliant if you use it, expensive if you don't.

    Earns
    • 8x travel via card portal
    • 4x hotels
    • 4x flights
    • 3x dining & restaurants
    • 1x everything else
    Statement credits
    • $300/yrAnnual travel creditresets annual
    • $300/yrDining creditresets semiannual
    • $500/yrThe Edit hotel creditresets annual
    • $300/yrStubHub / viagogo creditresets semiannual
    • $300/yrDoorDash creditsresets monthly
    • $120/yrLyft creditresets monthly
    • $120/yrPeloton membership creditresets monthly
    Best for

    Frequent travelers who will genuinely use the travel, dining, and hotel credits. Break-even needs roughly $1,100 of credits used.

    Watch out

    The $795 fee only works if you actively chase the credits. If you're not the type to track them, the Preferred is the better card.

    On the current offer: Offer varies by channel; in-branch offers have historically differed from online.

    View live terms at Chase
  • Annual fee
    $895
    Currency
    Amex Membership Rewards
    Foreign fees
    None
    Credits
    $2,984/yr

    The Platinum Card from American Express

    PremiumAmerican Express · verified Aug 16, 2026

    Elevated offer

    The best lounge access in the US, wrapped in a coupon book you have to work.

    Earns
    • 5x flights
    • 5x travel via card portal
    • 5x hotels
    • 1x everything else
    Statement credits
    • $200/yrAirline fee creditresets annual
    • $600/yrHotel credit (Fine Hotels + Resorts / The Hotel Collection)resets semiannual
    • $200/yrUber Cashresets monthly
    • $400/yrResy dining creditresets quarterly
    • $120/yrUber One membership creditresets annual
    • $300/yrEquinox creditresets annual
    • $155/yrWalmart+ membership creditresets monthly
    • $200/yrOURA Ring creditresets annual
    • $300/yrDigital entertainment creditresets monthly
    • $300/yrLululemon creditresets quarterly
    • $209/yrCLEAR Plus creditresets annual
    Best for

    Travelers who fly enough to value lounges and who will genuinely burn the monthly credits.

    Watch out

    Earns only 1x on dining, groceries, gas, and general spend. It is a benefits card, not an earning card — never put everyday spend on it.

    On the current offer: Elevated targeted offer. Welcome offers vary — check CardMatch and your own Amex login before applying cold.

    View live terms at American Express
  • Annual fee
    $895
    Currency
    Amex Membership Rewards
    Foreign fees
    None
    Credits
    $2,199/yr

    The Business Platinum Card from American Express

    PremiumBusinessAmerican Express · verified Aug 17, 2026

    Elevated offer

    The largest welcome offer in the market, wrapped in a demanding coupon book.

    Earns
    • 5x flights
    • 5x hotels
    • 5x travel via card portal
    • 1x everything else
    Statement credits
    • $600/yrHotel credit (Fine Hotels + Resorts / The Hotel Collection)resets semiannual
    • $200/yrAirline incidental creditresets annual
    • $360/yrIndeed creditresets quarterly
    • $300/yrChatGPT Business creditresets annual
    • $250/yrAdobe creditresets annual
    • $219/yrCLEAR Plus creditresets annual
    • $150/yrDell creditresets annual
    • $120/yrUS wireless services creditresets monthly
    Best for

    Businesses spending heavily on travel that will genuinely work the credit calendar.

    Watch out

    Earns 1x on ordinary business spend, and several credits — Indeed, Adobe, ChatGPT, Dell — only pay out if you already buy those things. We discount those heavily. The $20,000 minimum spend is not a small commitment.

    On the current offer: Advertised as high as 250,000–300,000 points after $20,000 in 3 months. That spend requirement is genuinely large — don't chase it unless your business already runs that volume.

    View live terms at American Express

Airline cards14 cards

Free checked bags, companion certificates and priority boarding. Worth it once you know which airline you actually fly.

  • Annual fee
    None
    Currency
    United MileagePlus
    Foreign fees
    None

    United Gateway Card

    StarterChase · verified Aug 13, 2026

    A no-fee way into the United ecosystem.

    Earns
    • 2x flights
    • 2x gas & ev charging
    • 2x transit & rideshare
    • 1x everything else
    Best for

    Testing United loyalty without committing to a fee, or keeping MileagePlus miles from expiring.

    Watch out

    No free checked bag — that's the benefit worth paying the Explorer's $150 for if you check luggage at all.

    On the current offer: Modest but easy to earn.

    View live terms at Chase
  • Annual fee
    $95
    Currency
    Alaska Mileage Plan
    Foreign fees
    None
    Credits
    $370/yr

    Alaska Airlines Visa Signature

    StarterBank of America · verified Aug 16, 2026

    The Companion Fare is the best recurring perk on any $95 airline card.

    Earns
    • 3x flights
    • 2x hotels
    • 2x dining & restaurants
    • 1x everything else
    Statement credits
    • $300/yrFamous Companion Fareresets annual
    • $70/yrFree checked bagsresets annual
    Best for

    West Coast flyers. One Companion Fare on a transcontinental route can save $400 by itself.

    Watch out

    The companion fare now requires $6,000 of spend in the prior year and cannot be used on multi-city or stopover itineraries — both meaningful cuts. Bank of America applications sit outside Chase 5/24, but Alaska's own velocity rules still apply.

    On the current offer: Usually bundled with a Companion Fare certificate on approval.

    View live terms at Bank of America
  • Annual fee
    $99
    Currency
    American AAdvantage
    Foreign fees
    None
    Credits
    $125/yr

    Citi / AAdvantage Platinum Select

    StarterCiti · verified Aug 16, 2026

    The cheapest way to keep a free checked bag on American.

    Earns
    • 2x flights
    • 2x gas & ev charging
    • 2x dining & restaurants
    • 1x everything else
    Statement credits
    • $125/yrFlight discount after $20k spendresets annual
    Best for

    American flyers who check a bag. The fee pays for itself in roughly two round trips.

    Watch out

    AAdvantage award pricing is dynamic. The $125 credit needs $20,000 of spend, so treat it as unreachable unless you're a heavy spender.

    On the current offer: 80,000 miles after $3,500 in 4 months, with the $99 annual fee waived the first year on most offers.

    View live terms at Citi
  • Annual fee
    $99
    Currency
    JetBlue TrueBlue
    Foreign fees
    None
    Credits
    $115/yr

    JetBlue Plus Card

    StarterBarclays · verified Aug 16, 2026

    6x on JetBlue and an annual points bonus that nearly covers the fee.

    Earns
    • 6x flights
    • 2x dining & restaurants
    • 2x groceries
    • 1x everything else
    Statement credits
    • $65/yrAnniversary points bonusresets annual
    • $50/yrIn-flight statement creditresets annual
    Best for

    Northeast flyers who use JetBlue regularly. The free checked bag alone beats the fee in two trips.

    Watch out

    TrueBlue points are revenue-based with no partner transfers, so their value is capped at roughly 1.3¢.

    On the current offer: 70,000 points after $1,000 of spend in 90 days — one of the lowest minimum-spend requirements of any offer this size.

    View live terms at Barclays
  • Annual fee
    $150
    Currency
    Delta SkyMiles
    Foreign fees
    None
    Credits
    $220/yr

    Delta SkyMiles Gold American Express

    StarterAmerican Express · verified Aug 16, 2026

    Free checked bags that pay the fee, if you fly Delta even twice a year.

    Earns
    • 2x flights
    • 2x dining & restaurants
    • 2x groceries
    • 1x everything else
    Statement credits
    • $100/yrResy dining creditresets monthly
    • $120/yrRideshare creditresets monthly
    Best for

    Occasional Delta flyers. Two round trips with a checked bag covers the fee outright.

    Watch out

    The 2x rate only applies to Delta purchases, not flights on other airlines. SkyMiles are dynamically priced and rarely a bargain.

    On the current offer: Annual fee is waived for the first year on most offers.

    View live terms at American Express
  • Annual fee
    $150
    Currency
    United MileagePlus
    Foreign fees
    None
    Credits
    $148/yr

    United Explorer Card

    StarterChase · verified Aug 16, 2026

    The default United card — free bags, lounge passes, and expanded award space.

    Earns
    • 2x flights
    • 2x hotels
    • 2x dining & restaurants
    • 1x everything else
    Statement credits
    • $118/yrUnited Club one-time passesresets annual
    • $30/yrGlobal Entry / TSA PreCheck creditresets annual
    Best for

    Anyone flying United twice a year or more. Two round trips with a checked bag covers the fee.

    Watch out

    The 2x rate applies to United purchases only. Subject to Chase 5/24.

    On the current offer: Frequently runs elevated to 70k–80k; worth waiting for.

    View live terms at Chase
  • Annual fee
    $150
    Currency
    United MileagePlus
    Foreign fees
    None
    Credits
    $100/yr

    United Business Card

    StarterBusinessChase · verified Aug 17, 2026

    Free bags plus an annual travel credit that nearly covers the fee.

    Earns
    • 2x flights
    • 2x dining & restaurants
    • 2x transit & rideshare
    • 1x everything else
    Statement credits
    • $100/yrUnited travel creditresets annual
    Best for

    Business travellers loyal to United who already hold a personal United card — the two stack.

    Watch out

    The $100 credit needs seven separate $100+ United purchases in the year, which is a real condition rather than free money.

    On the current offer: Offers vary; United cards ran elevated bonuses through 2026.

    View live terms at Chase
  • Annual fee
    $229
    Currency
    Southwest Rapid Rewards
    Foreign fees
    None
    Credits
    $296/yr

    Southwest Rapid Rewards Priority

    StarterChase · verified Aug 16, 2026

    A $75 travel credit and 7,500 anniversary points make the fee nearly free.

    Earns
    • 3x flights
    • 2x hotels
    • 2x transit & rideshare
    • 2x streaming services
    • 1x everything else
    Statement credits
    • $75/yrSouthwest travel creditresets annual
    • $101/yrAnniversary pointsresets annual
    • $120/yrUpgraded boarding creditsresets annual
    Best for

    Anyone within reach of the Companion Pass, which lets a companion fly free for up to two years.

    Watch out

    The annual fee rose to $229, well above the $149 this card carried previously — re-run the maths if you have not looked since. Rapid Rewards points are fixed-value and tied to fares, with no partner sweet spots.

    On the current offer: Southwest offers spike each year around Companion Pass season — timing an application well is worth thousands.

    View live terms at Chase
  • Annual fee
    $299
    Currency
    Southwest Rapid Rewards
    Foreign fees
    None
    Credits
    $269/yr

    Southwest Rapid Rewards Performance Business

    Mid-tierBusinessChase · verified Aug 17, 2026

    The fastest route to a Companion Pass, if you fly Southwest.

    Earns
    • 4x flights
    • 2x transit & rideshare
    • 2x streaming services
    • 1x everything else
    Statement credits
    • $121/yrAnniversary pointsresets annual
    • $148/yrIn-flight Wi-Fi creditsresets monthly
    Best for

    Southwest regulars chasing the Companion Pass, which lets a companion fly free for up to two years.

    Watch out

    The annual fee rose to $299 from $199 in mid-2025. Rapid Rewards points are fixed-value with no partner sweet spots.

    On the current offer: Southwest offers spike around Companion Pass season — timing an application well is worth thousands.

    View live terms at Chase
  • Annual fee
    $350
    Currency
    Delta SkyMiles
    Foreign fees
    None
    Credits
    $790/yr

    Delta SkyMiles Platinum American Express

    Mid-tierAmerican Express · verified Aug 16, 2026

    The companion certificate alone can outrun the annual fee.

    Earns
    • 3x flights
    • 3x hotels
    • 2x dining & restaurants
    • 2x groceries
    • 1x everything else
    Statement credits
    • $400/yrCompanion certificateresets annual
    • $150/yrDelta Stays creditresets annual
    • $120/yrResy dining creditresets monthly
    • $120/yrRideshare creditresets monthly
    Best for

    Anyone who flies Delta domestically with a partner. One companion certificate typically returns $300–$500.

    Watch out

    The companion certificate is the whole value proposition. If you won't book a domestic round trip each year, this card loses money.

    On the current offer: Welcome offers vary; check your Amex login for targeted versions.

    View live terms at American Express
  • Annual fee
    $350
    Currency
    United MileagePlus
    Foreign fees
    None
    Credits
    $430/yr

    United Quest Card

    Mid-tierChase · verified Aug 16, 2026

    An annual travel credit and award rebates that quietly cover the fee.

    Earns
    • 3x flights
    • 2x hotels
    • 2x dining & restaurants
    • 2x streaming services
    • 1x everything else
    Statement credits
    • $200/yrUnited travel creditresets annual
    • $200/yrAward flight rebatesresets annual
    • $30/yrGlobal Entry / TSA PreCheck creditresets annual
    Best for

    United loyalists who book award flights — the rebates plus travel credit roughly cancel the $350.

    Watch out

    The award rebate is worthless if you only ever pay cash. Do the maths on how you actually fly.

    On the current offer: Often paired with bonus PQP toward status.

    View live terms at Chase
  • Annual fee
    $650
    Currency
    Delta SkyMiles
    Foreign fees
    None
    Credits
    $1,260/yr

    Delta SkyMiles Reserve American Express

    PremiumAmerican Express · verified Aug 16, 2026

    Sky Club access and a first-class companion certificate.

    Earns
    • 3x flights
    • 1x everything else
    Statement credits
    • $700/yrCompanion certificateresets annual
    • $200/yrDelta Stays creditresets annual
    • $240/yrResy dining creditresets monthly
    • $120/yrRideshare creditresets monthly
    Best for

    Frequent Delta flyers chasing Medallion status who want lounge access on Delta metal.

    Watch out

    Earns 1x on everything except Delta purchases. Sky Club visits are now capped for most cardholders — check the current limits.

    On the current offer: Welcome offers vary by applicant and channel.

    View live terms at American Express
  • Annual fee
    $695
    Currency
    United MileagePlus
    Foreign fees
    None
    Credits
    $30/yr

    United Club Infinite Card

    PremiumChase · verified Aug 16, 2026

    Full United Club membership, priced accordingly.

    Earns
    • 4x flights
    • 2x hotels
    • 2x dining & restaurants
    • 1x everything else
    Statement credits
    • $30/yrGlobal Entry / TSA PreCheck creditresets annual
    Best for

    People who would otherwise buy a United Club membership outright. Then the card is strictly cheaper.

    Watch out

    Guest access into United Clubs now requires $50,000 of spend in a calendar year — previously two guests came in free. If you wouldn't pay for lounge access on its own, this is $695 for very little.

    On the current offer: Welcome offers vary.

    View live terms at Chase
  • Annual fee
    $695
    Currency
    American AAdvantage
    Foreign fees
    None
    Credits
    $360/yr

    Citi / AAdvantage Executive

    PremiumCiti · verified Aug 16, 2026

    Admirals Club membership plus Loyalty Point earning toward status.

    Earns
    • 4x flights
    • 2x hotels
    • 2x dining & restaurants
    • 1x everything else
    Statement credits
    • $120/yrAvis / Budget creditresets annual
    • $120/yrGrubhub creditresets monthly
    • $120/yrLyft creditresets monthly
    Best for

    American loyalists chasing status — Loyalty Points earned on spend count toward elite tiers.

    Watch out

    The annual fee rose from $595 to $695 on 23 August 2026 as part of the card's refresh, so budget for the higher figure. The Lyft credit also requires three rides before it posts, which is exactly the kind of condition people forget.

    On the current offer: Higher minimum spend than most airline cards.

    View live terms at Citi

Hotel cards9 cards

Annual free night awards and elite status. The free night is usually worth more than a year of the card's points.

  • Annual fee
    None
    Currency
    Hilton Honors
    Foreign fees
    None

    Hilton Honors American Express

    StarterAmerican Express · verified Aug 16, 2026

    No-fee Silver status and 7x at Hilton properties.

    Earns
    • 7x hotels
    • 5x dining & restaurants
    • 5x groceries
    • 5x gas & ev charging
    • 3x everything else
    Best for

    A free card for occasional Hilton guests. The 5x categories are genuinely competitive even ignoring the hotel angle.

    Watch out

    Hilton points are the lowest-value major currency at about 0.55¢. Big numbers, modest money.

    On the current offer: Large point totals, but Hilton points are worth roughly half a cent each — around $550 in practice.

    View live terms at American Express
  • Annual fee
    $95
    Currency
    Marriott Bonvoy
    Foreign fees
    None
    Credits
    $350/yr

    Marriott Bonvoy Boundless

    StarterChase · verified Aug 16, 2026

    An annual free night worth more than the fee, every single year.

    Earns
    • 6x hotels
    • 3x groceries
    • 3x gas & ev charging
    • 3x dining & restaurants
    • 2x everything else
    Statement credits
    • $250/yrAnniversary Free Night Awardresets annual
    • $100/yrAirline purchase creditresets semiannual
    Best for

    Anyone who stays at Marriott even once a year. The free night typically returns $200–$300 against a $95 fee.

    Watch out

    Bonvoy points are worth well under a cent, so the earn rate flatters itself. The free night is the actual product. Subject to Chase 5/24.

    On the current offer: Sometimes offered as free night awards instead of points — compare carefully, as nights can be worth more.

    View live terms at Chase
  • Annual fee
    $95
    Currency
    World of Hyatt
    Foreign fees
    None
    Credits
    $250/yr

    World of Hyatt Credit Card

    StarterChase · verified Aug 16, 2026

    The most valuable hotel points, and a free night that reliably beats the fee.

    Earns
    • 4x hotels
    • 2x dining & restaurants
    • 2x gas & ev charging
    • 2x transit & rideshare
    • 1x everything else
    Statement credits
    • $250/yrAnniversary Free Night (Cat 1–4)resets annual
    • Action5 Elite Night Creditsresets annual
    Best for

    Almost anyone who travels. Hyatt points are worth ~1.7¢ and the free night regularly covers a $250 room.

    Watch out

    Hyatt moved to a five-tier award chart on 20 May 2026 and reclassified 136 hotels, 112 of them upward — several popular Category 4 properties are now out of reach of this card's free night. Free Night Awards can at least now be used on any night at an eligible property regardless of peak pricing. Hyatt's footprint is also much smaller than Marriott's or Hilton's, and the card is subject to Chase 5/24.

    On the current offer: Typically structured in two tiers — 30k after $3,000, then 30k more at $6,000.

    View live terms at Chase
  • Annual fee
    $99
    Currency
    IHG One Rewards
    Foreign fees
    None
    Credits
    $280/yr

    IHG One Rewards Premier

    StarterChase · verified Aug 16, 2026

    Fourth night free on award stays — the most underrated hotel perk going.

    Earns
    • 10x hotels
    • 5x dining & restaurants
    • 5x gas & ev charging
    • 5x flights
    • 3x everything else
    Statement credits
    • $250/yrAnniversary Free Nightresets annual
    • $30/yrGlobal Entry / TSA PreCheck creditresets annual
    Best for

    Longer trips. The fourth-night-free benefit compounds on every award stay of four nights or more.

    Watch out

    IHG points are low value, so the free night and fourth-night benefit are doing all the work. Subject to Chase 5/24.

    On the current offer: Large point total, but IHG points run about 0.6¢ — roughly $840 in practice.

    View live terms at Chase
  • Annual fee
    $125
    Currency
    Marriott Bonvoy
    Foreign fees
    None
    Credits
    $250/yr

    Marriott Bonvoy Business American Express

    StarterBusinessAmerican Express · verified Aug 17, 2026

    A free night every year that comfortably beats the fee.

    Earns
    • 6x hotels
    • 4x dining & restaurants
    • 4x gas & ev charging
    • 4x transit & rideshare
    • 2x everything else
    Statement credits
    • $250/yrAnniversary Free Night Awardresets annual
    Best for

    Businesses with any Marriott stays at all — the free night typically returns $200–$300 against a $125 fee.

    Watch out

    Bonvoy points are worth well under a cent, so the earn rate flatters itself. The free night is the actual product.

    On the current offer: Welcome offers vary by applicant and channel.

    View live terms at American Express
  • Annual fee
    $150
    Currency
    Hilton Honors
    Foreign fees
    None
    Credits
    $200/yr

    Hilton Honors Surpass American Express

    Mid-tierAmerican Express · verified Aug 16, 2026

    Gold status, which brings free breakfast at most Hilton brands.

    Earns
    • 12x hotels
    • 6x dining & restaurants
    • 6x groceries
    • 6x gas & ev charging
    • 3x everything else
    Statement credits
    • $200/yrHilton statement creditresets quarterly
    Best for

    Anyone staying at Hilton a few times a year. Gold's free breakfast is worth more than the fee on its own.

    Watch out

    The $200 credit only counts if you spend at Hilton every quarter. If you travel in bursts, you'll lose most of it.

    On the current offer: Occasionally bundled with a free night certificate — those offers are worth waiting for.

    View live terms at American Express
  • Annual fee
    $250
    Currency
    Marriott Bonvoy
    Foreign fees
    None
    Credits
    $350/yr

    Marriott Bonvoy Bevy American Express

    Mid-tierAmerican Express · verified Aug 16, 2026

    Higher earning and Gold status, if you'll hit the spend threshold.

    Earns
    • 6x hotels
    • 4x dining & restaurants
    • 4x groceries
    • 2x everything else
    Statement credits
    • $350/yrFree Night Award after $15k spendresets annual
    Best for

    Marriott regulars who spend heavily enough to trigger the 50,000-point night.

    Watch out

    Without $15,000 of annual spend there's no free night, and a $250 fee for Gold status alone is poor value. The Boundless is better for most people.

    On the current offer: Welcome offers vary by applicant.

    View live terms at American Express
  • Annual fee
    $550
    Currency
    Hilton Honors
    Foreign fees
    None
    Credits
    $1,509/yr

    Hilton Honors Aspire American Express

    PremiumAmerican Express · verified Aug 16, 2026

    Top-tier Diamond status and a free night with no category restrictions.

    Earns
    • 14x hotels
    • 7x flights
    • 7x dining & restaurants
    • 3x everything else
    Statement credits
    • $700/yrAnnual Free Night Rewardresets annual
    • $400/yrHilton resort creditresets semiannual
    • $200/yrAirline flight creditresets quarterly
    • $209/yrCLEAR Plus creditresets annual
    Best for

    Hilton loyalists. Fully used, the credits and free night exceed $1,300 against a $550 fee.

    Watch out

    The resort credit needs a qualifying resort, not just any Hilton. Diamond status is only worth it if you actually stay with Hilton.

    On the current offer: Roughly $960 at realistic Hilton valuations.

    View live terms at American Express
  • Annual fee
    $650
    Currency
    Marriott Bonvoy
    Foreign fees
    None
    Credits
    $900/yr

    Marriott Bonvoy Brilliant American Express

    PremiumAmerican Express · verified Aug 16, 2026

    Elevated offer

    Platinum Elite status and an 85,000-point free night.

    Earns
    • 6x hotels
    • 3x dining & restaurants
    • 3x flights
    • 2x everything else
    Statement credits
    • $600/yrAnniversary Free Night Awardresets annual
    • $300/yrDining statement creditresets monthly
    Best for

    Frequent Marriott guests who value Platinum status — suite upgrades and lounge access are meaningful at that tier.

    Watch out

    The $650 fee needs the free night, the monthly dining credits, and the status all working for you. Miss the dining credits and it unravels fast.

    On the current offer: Current offer also includes a $250 statement credit. Welcome offers vary.

    View live terms at American Express

Cash back cards8 cards

Simple, no redemption homework. Several convert to transferable points if you also hold the right premium card.

  • Annual fee
    None
    Currency
    Chase Ultimate Rewards
    Foreign fees
    Yes

    Chase Freedom Unlimited

    StarterChase · verified Aug 16, 2026

    The no-fee card that fixes the 1x hole in almost every portfolio.

    Earns
    • 5x travel via card portal
    • 3x dining & restaurants
    • 3x drugstores
    • 1.5x everything else
    Best for

    Pairing with a Sapphire card. It turns every 1x dollar into 1.5x, the highest-leverage no-fee upgrade available.

    Watch out

    Charges foreign transaction fees — never use it abroad.

    On the current offer: Often presented as cash back; converts to full Ultimate Rewards if you also hold a Sapphire card.

    View live terms at Chase
  • Annual fee
    None
    Currency
    Chase Ultimate Rewards
    Foreign fees
    Yes

    Chase Freedom Flex

    StarterChase · verified Aug 16, 2026

    Rotating 5x categories, if you're willing to activate them each quarter.

    Earns
    • 5x travel via card portal
    • 3x dining & restaurants
    • 3x drugstores
    • 1x everything else
    Statement credits
    • ActionActivate quarterly 5% categoriesresets quarterly
    Best for

    People who will actually set a calendar reminder to activate. Otherwise take the Freedom Unlimited instead.

    Watch out

    The 5% is capped and requires manual activation every quarter. Base spend earns only 1x.

    On the current offer: Structured as $200 cash back; converts to Ultimate Rewards alongside a Sapphire card.

    View live terms at Chase
  • Annual fee
    None
    Currency
    Cash back
    Foreign fees
    None

    Capital One Savor

    StarterCapital One · verified Aug 16, 2026

    No-fee 3% on dining, groceries, entertainment, and streaming.

    Earns
    • 5x travel via card portal
    • 5x hotels
    • 3x dining & restaurants
    • 3x groceries
    • 3x streaming services
    • 1x everything else
    Best for

    A free companion card covering food spend if you don't want to pay the Amex Gold's $325.

    Watch out

    Earns cash back, not transferable miles — unless you also hold a Venture X, which lets you convert.

    On the current offer: Presented as $250 cash back.

    View live terms at Capital One
  • Annual fee
    None
    Currency
    Citi ThankYou Points
    Foreign fees
    Yes

    Citi Double Cash

    StarterCiti · verified Aug 16, 2026

    A flat 2% floor that converts to real transferable points.

    Earns
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x flights
    • 2x hotels
    • 2x transit & rideshare
    • 2x everything else
    Best for

    The 1x-killer for the Citi ecosystem.

    Watch out

    Charges foreign transaction fees.

    On the current offer: Presented as $200 cash back.

    View live terms at Citi
  • Annual fee
    None
    Currency
    Chase Ultimate Rewards
    Foreign fees
    Yes

    Chase Ink Business Unlimited

    StarterBusinessChase · verified Aug 17, 2026

    A flat 1.5% on everything, for free, that becomes real points.

    Earns
    • 1.5x everything else
    Best for

    The business equivalent of the Freedom Unlimited — it lifts the 1x floor on everything.

    Watch out

    Charges foreign transaction fees. Chase applies cross-card bonus restrictions across the no-fee Ink cards, so holding one can block the bonus on the other.

    On the current offer: Advertised as $750 cash back after $6,000 in 3 months. Converts to 75,000 Ultimate Rewards if you also hold a Sapphire or Ink Preferred.

    View live terms at Chase
  • Annual fee
    None
    Currency
    Chase Ultimate Rewards
    Foreign fees
    Yes

    Chase Ink Business Cash

    StarterBusinessChase · verified Aug 17, 2026

    5% on office supply and telecoms, which is where small businesses actually spend.

    Earns
    • 2x gas & ev charging
    • 2x dining & restaurants
    • 1x everything else
    Best for

    Businesses with real office-supply or telecoms spend, and for buying gift cards at office supply stores at 5%.

    Watch out

    The headline 5% categories don't map to this tool's spending inputs, so the figures here understate the card. Charges foreign transaction fees, and the no-fee Ink cards share bonus restrictions.

    On the current offer: Advertised as $750 cash back after $6,000 in 3 months. Converts to Ultimate Rewards alongside a Sapphire or Ink Preferred.

    View live terms at Chase
  • Annual fee
    None
    Currency
    Cash back
    Foreign fees
    Yes

    Amex Blue Business Cash

    StarterBusinessAmerican Express · verified Aug 17, 2026

    The cash-back twin of the Blue Business Plus.

    Earns
    • 2x everything else
    Best for

    Businesses that want simple cash rather than points.

    Watch out

    Take the Blue Business Plus instead if you hold any other Amex — the same 2% earns Membership Rewards worth roughly double as cash. Charges foreign transaction fees.

    On the current offer: Presented as $250 statement credit.

    View live terms at American Express
  • Annual fee
    $150
    Currency
    Cash back
    Foreign fees
    None

    Capital One Spark Cash Plus

    Mid-tierBusinessCapital One · verified Aug 17, 2026

    A flat 2% with the annual fee refunded if you spend enough.

    Earns
    • 5x travel via card portal
    • 2x dining & restaurants
    • 2x groceries
    • 2x gas & ev charging
    • 2x flights
    • 2x hotels
    • 2x everything else
    Statement credits
    • ActionAnnual fee refund at $150,000 spendresets annual
    Best for

    High-volume businesses that want simplicity and no category tracking.

    Watch out

    A charge card with no revolving option — the balance is due in full monthly. The fee refund needs $150,000 of spend, so most businesses simply pay the $150.

    On the current offer: Advertised as up to $2,000 cash back, tiered against high spend. Verify the current tiers with Capital One.

    View live terms at Capital One

Find out what your wallet is costing you.

No account, no bank connection, no email address. Tick the cards you carry, sketch your monthly spending, and read the four answers. If it turns out your wallet is already right, we’ll tell you that too.

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Independent · no affiliate links · dataset reviewed monthly