How to Earn Points and Miles for Free Travel
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Rewards Credit Cards
Advertiser Disclosure
A rewards credit card earns you points for every dollar spent. Additionally, many rewards cards offer generous signup bonuses. To help you pick the right card, we estimate the potential profit of each card based on its signup bonus and your monthly spending in different purchase categories. Please compare the best offers, choose your card and start earning rewards!
124 cards found
Southwest Rapid Rewards® Premier Credit Card
This card earns Rapid Rewards Points (Rapid Rewards program by Southwest Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 points per $1 spent
$99
$600
40,000 points
$1,491
We estimate as
- Card Details
- 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open. Terms apply.
- Earn 2X points for every $1 you spend on Southwest Airlines® purchases, and 1 point for every $1 you spend on all other purchases. Terms apply.
- Receive 6,000 bonus points after your cardmember anniversary.
- No foreign transaction fees.
- You'll earn 1 point for each $1 of the first $15,000 of balance transfers made during the first 90 days from your original account open date.
- Unlimited points that don't expire as long as your card account is open.
- With Rapid Rewards®, if we've got a seat, it's yours.
- Free 1st & 2nd checked bags.
- Travel & purchase coverage.
- Pros
- High rewards rate
- Sign-up bonus
- No foreign transaction fees
- Anniversary bonus
- No Penalty APR
- Security & Benefits
- Cons
- Excellent credit needed
- Has annual fee
Our Take
The Southwest Rapid Rewards Premier credit card can significantly improve to your travel. It comes with a relatively high $99 annual fee, but this shouldn’t be a deal breaker for those who can put all the card’s benefits to use. First, you’ll get a 40,000-point sign-up bonus, enough for a round-trip flight. Even more enticing, the card can earn you 1,500 tier qualifying points.
First Tennessee Platinum Premier® Visa®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
10%
unlimited cash back
$0
$0
$7,200
We estimate as
- Card Details
- No annual fee.
- Credit lines starting at $5,000.
- Earn up to 10% cash back on your purchases.
- Access to First Tennessee Cash Rewards®.
- 0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
- Can be linked to checking for overdraft protection.
- Compatible with Apple Pay® for convenient purchases.
- Pros
- No Annual Fee
- Cash back rewards
- 0% Intro APR for the first 12 months
- Cons
- No signup bonus
Our Take
The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.
The Starwood Preferred Guest® Credit Card from American Express
This card earns Starpoints (Starwood Preferred Guest program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
5.4%
2-6 points per $1 spent
$95
waived first year
$2,025
75,000 points
$6,501
We estimate as
- Card Details
- Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
- $0 intro annual fee for the first 12 months, then $95.
- Use your Card and earn 6 Starpoints® for every dollar spent on eligible purchases at participating SPG® and Marriott Rewards® hotels.
- Earn 2 Starpoint for all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
- No Foreign Transaction Fees.
- Receive complimentary Silver Elite status with your Card. Earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year.
- Receive free in-room, premium Internet access while staying at participating SPG® and Marriott Rewards ® hotels.
- Pros
- Generous signup bonus
- High rate of rewards
- No foreign transaction fees
- Cons
- Has annual fee
- Good to excellent credit score required
Our Take
Whatever aspects of The Starwood Preferred Guest® Credit Card from American Express you might consider, the only one that really matters is the incredible value of Starpoints®. Earning two of them per dollar is one of the best travel card offers that ever existed.
Starwood Preferred Guest® Luxury Card
This card earns Starpoints (Starwood Preferred Guest program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
5.4%
2-6 points per $1 spent
$450
$2,025
75,000 points
$5,535
We estimate as
- Card Details
- Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
- Earn 6X points on eligible purchases at participating SPG® and Marriott Rewards® hotels.
- Earn 3X points at U.S. restaurants and on flights booked directly with airlines.
- Earn 2X points on all other eligible purchases.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating SPG® or Marriott Rewards® hotels.
- Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 points) at a participating hotel. Terms apply.
- Enjoy complimentary Gold Elite status with your Card. Earn Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
- No foreign transaction fees.
- Redeem points for free nights at over 6,500 participating SPG® and Marriott Rewards® hotels across 29 brands. Plus, redeem points for flights or car rentals with Air+Car, or transfer your points for travel program rewards with over 40 airline partners.
- Pros
- Generous signup bonus
- 6X points per $1 spent on hotels
- 0% purchase intro APR
- No foreign transaction fee
- Cons
- High annual fee
Discover it® Cash Back
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$3,285
We estimate as
- Card Details
- No annual fee.
- Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
- 1% cash back or more on all other purchases.
- Only Discover automatically matches all the cash back you've earned at the end of your first year.
- 0% Intro APR for 14 months on purchases and balance transfers.
- Redeem your rewards for cash in any amount, any time. Your cash back never expires.
- Paying late won't raise your APR. No late fee for your first late payment.
- Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
- Pros
- 5% cash back
- No annual fee
- 0% Intro APR for 14 months
- Cons
- No sign-up bonus
- 3% fee for each balance transfer
Our Take
The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).
Chase Sapphire Preferred® credit card
This card earns Ultimate Rewards Points (Chase Ultimate Rewards program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
1-2 points per $1 spent
$95
waived first year
$1,050
50,000 points
$2,674
We estimate as
- Card Details
- 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when redeemed through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants - from airfare and hotels to fine dining and cafés.
- Plus, 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
- $0 intro annual fee for the first year, after that $95.
- 1:1 Point Transfer to leading frequent travel programs.
- Travel & purchase coverage.
- 24/7 Access to a Customer Service Specialist.
- Pros
- High rewards rate on travel
- No Foreign transaction fees
- Sign-up bonus
- Get more points on travel and dining at restaurants
- Security & Benefits
- Cons
- Has annual fee
Our Take
The Chase Sapphire Preferred® credit card is, perhaps, the best way to participate in Chase Ultimate Rewards® loyalty program. The introductory bonus is huge, redemption value is above average, and the earn rate is reasonable.
Hilton Honors Amex Ascend Card
This card earns Hilton Honors Points (Hilton Honors program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
3-12 points per $1 spent
$95
$750
125,000 points
$2,539
We estimate as
- Card Details
- Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
- Earn 12X Hilton Honors bonus points for each $1 of eligible purchases charged on your card directly with a participating hotel or resort within the Hilton portfolio.
- Earn 6X Hilton Honors bonus points for each $1 of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors bonus points on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Ascend Card.
- No foreign transaction fees.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
- Pros
- Generous signup bonus
- High rate of rewards
- No foreign transaction fee
- Cons
- Has annual fee
Amtrak Guest Rewards® World Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.5%
1-3 points per $1 spent
$79
$500
20,000 points
$2,423
We estimate as
- Card Details
- Earn 3 Amtrak Guest Rewards points per $1 spent with Amtrak, 2 points per $1 spent on other qualifying travel purchases, and 1 point per $1 spent on all other purchases. Terms Apply.
- Get 20,000 bonus points after you make $1,000 or more in purchases within 90 days of account opening. Terms Apply.
- No Foreign Transaction Fees.
- Enjoy a complimentary Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class lounges upon account opening.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Annual fee - $79.
- Pros
- High rewards rate
- No Foreign Transaction Fees
- Sign-up bonus
- Security & Benefits
- Free monthly access to FICO® Score
- Cons
- Has annual fee
- Has interest charges
Citi ThankYou® Premier Card
This card earns ThankYou Points (Citi ThankYou program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.7%
1-3 points per $1 spent
$95
waived first year
$850
50,000 points
$2,374
We estimate as
- Card Details
- Earn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
- 50,000 points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards redeemed from the ThankYou® Rewards collection.
- 3 ThankYou Points per $1 spent on travel including gas stations, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.
- 2 ThankYou Points per $1 spent on dining out and entertainment.
- 1 ThankYou Point on all other purchases. Terms Apply.
- No expiration and no limit on the number of points you can earn.
- Points Transfer allows you to transfer your qualifying and available ThankYou® Points to participating airline and hotel loyalty programs.
- 16.49% - 25.49%, based on your creditworthiness, for transfers completed within 2 months from date of account opening.
- No foreign transaction fees on purchases.
- Travel & Purchase protection.
- Pros
- Sign-up bonus
- High rate of rewards
- No foreign transaction fees
- Travel & Purchase protection
- Cons
- Needs excellent credit
Our Take
The Citi ThankYou® Premier Card is worth getting. It may become a nice companion on your trip, especially if you are a frequent traveler. If you’re fine with surfing the ThankYou® Rewards program, you may find plenty of nice redemption options.
Capital One® Venture® Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
2-10 miles per $1 spent
$95
waived first year
$500
50,000 miles
$2,326
We estimate as
- Card Details
- Earn unlimited 2X miles per dollar on every purchase.
- Earn 10Х miles at hotels.com/venture.
- Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
- $0 intro for the first year, $95 after that.
- No foreign transaction fees.
- Use your Venture® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
- Once you make a travel purchase with Venture, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
- You're covered by $0 Fraud Liability if your card is ever lost or stolen.
- Visa Signature® Benefits.
- Pros
- Sign-up bonus
- Unlimited Rewards
- No foreign transaction fees
- Cons
- Good to excellent credit score required
The World of Hyatt Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
1-4 points per $1 spent
$95
$720
40,000 points
$2,249
We estimate as
- Card Details
- 40,000 Bonus Points after you spend $3,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
- Plus, an additional 20,000 Bonus Points after you spend $6,000 total on purchases within the first 6 months of account opening.
- 4 Bonus Points per $1 spent on purchases at all Hyatt hotels and resorts with your Hyatt Credit Card.
- 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.
- 1 Bonus Point per $1 spent on purchases anywhere else you use your card. Points don't expire as long as your Hyatt Credit Card account is open.
- Receive a free night award every year after your cardmember anniversary at any Category 1-4 hotel or resort.
- No Foreign transaction fees.
- Redeem for free nights with as few as 5,000 points.
- Travel & purchase coverage.
- Pros
- High rewards rate
- Sign-up bonuses
- No Foreign transaction fees
- 1 free night annually
- Travel & purchase coverage
- Cons
- Good to excellent credit score required
- Has annual fee
Alliant Cashback Visa® Signature Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
3%
unlimited cash back
$59
waived first year
$0
$2,042
We estimate as
- Card Details
- A true cashback card: 3% cash back in year one & 2.5% cash back after.
- No limit to the cash back awards you can earn.
- Exclusively designed for those spending $50,000+ a year on their card.
- No foreign transaction fees.
- $59 annual fee, waived the first year.
- Rates as low as 12.24% APR.
- Generous credit line.
- Works with Google Pay™, Apple Pay™ and Samsung Pay™.
- $0 fraud liability guarantee from Visa.
- Travel Accident Insurance, Purchase Security, Personal Identity Theft, Concierge.
- Pros
- 3% cash back
- No foreign transaction fee
- No limit to the cash back
- Low APR
- Cons
- No signup bonus
- Has annual fee
Hilton Honors Card
This card earns Hilton Honors Points (Hilton Honors program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
3-7 points per $1 spent
$0
$300
50,000 points
$2,028
We estimate as
- Card Details
- Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership.
- No annual fee.
- Earn 7X Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
- Earn 5X Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors bonus points on all other eligible purchases.
- No foreign transaction fees.
- Enjoy complimentary Hilton Honors Silver status with your Card.
- Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Pros
- Generous signup bonus
- High rewards rate
- No annual fee
- No foreign transaction fee
- Cons
- Good to excellent credit score required
Barclaycard Arrival® Plus World Elite Mastercard®
This card earns Barclay Reward Points (Barclay Premier Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
Miles per $1 on all purchases per $ spent
$89
waived first year
$630
60,000 miles
$1,964
We estimate as
- Card Details
- Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee - that's enough to redeem for a $600 travel statement credit toward a qualifying travel purchase.
- Redeem your miles for travel statement credits starting at 10,000 for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days
- Earn 2X miles on all purchases.
- Get 5% miles back to use toward your next redemption every time you redeem.
- Enjoy a 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening.
- To qualify for participation in the Rewards Program Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments, and no transactions.
- No foreign transaction fees on anything you buy while in another country.
- Travel accident and trip cancellation insurance.
- $0 fraud liability protection means you're not responsible for unauthorized charges you report to bank.
- MasterCard World Elite concierge and luxury travel benefits.
- Pros
- Generous sign-up bonus
- Earn 2 miles per dollar on all purchases
- Get 5% miles back every time you redeem
- 0% APR for 12 months balance transfers offer
- No foreign transaction fee
- Cons
- Annual fee of $89
Our Take
Do you strive to get to your next travel destination as soon as possible? Stop right here and apply for the Barclaycard Arrival® Plus World Elite Mastercard®. No doubts, this card will bring you closer to free travel with each purchase you make.
Marriott Rewards® Premier Plus credit card
This card earns Marriott Rewards Points (Marriott Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
2-6 points per $1 spent
$95
$675
75,000 points
$1,945
We estimate as
- Card Details
- Earn 75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards® Premier Plus credit card.
- Earn 6 points for every $1 spent at over 6,500 participating Marriott Rewards® and SPG® hotels.
- Earn 2 points for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
- Receive a Free Night Stay in a Category 1-5 hotel each year after your account anniversary. Free Night Stays start at 7,500 points.
- No foreign transaction fees.
- Travel & purchase coverage.
- Pros
- Sign-up bonus
- High rewards rate
- No foreign transaction fees
- Free night stay every year
- Cons
- More valuable if you frequently stay at Marriott properties
- Has annual fee
Our Take
In our opinion, the Marriott Rewards® Premier credit card is one of the best premium hotel credit cards. It provides extremely lucrative benefits on expenses, list of complimentary services, opportunity to move towards Elite status and great redemption options for hotel stays. However, this card is designed especially for customers who often stays at Marriott and SPG properties.
Amex EveryDay® Preferred Credit Card
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-3 points per $1 spent
$95
$285
15,000 points
$1,847
We estimate as
- Card Details
- Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms apply.
- 3X points at US supermarkets, on up to $6,000 per calendar year in purchases.
- 2X points at US gas stations and 1 point on all other purchases. Terms and limitations apply.
- Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
- Payment Flexibility: your Card gives you the option to carry a balance with interest or pay in full each month.
- Use Membership Rewards® points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
- 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 24.74%.
- Pros
- High rewards rate
- Generous signup bonus
- 0% APR on purchases and balance transfers for 12 months
- Cons
- Has annual fee
Chase Sapphire Reserve®
This card earns Ultimate Rewards Points (Chase Ultimate Rewards program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
1-3 points per $1 spent
$450
$1,050
50,000 points
$1,817
We estimate as
- Card Details
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- 3X Points on travel and dining at restaurants - from airfare and hotels to fine dining and cafés, and 1 point per dollar on all other purchases.
- Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.
- No Foreign transaction fees.
- Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.
- No Blackout Dates or Travel Restrictions.
- Premium travel benefits.
- Travel & purchase coverage.
- Pros
- 50,000 bonus points
- $300 Annual Travel Credit
- High rewards rate
- No Foreign transaction fees
- 50% more in travel redemption
- Cons
- Excellent credit needed
- Has annual fee
Our Take
Chase Sapphire Reserve℠ is a premium credit card that provides you with extremely lucrative rewards. With $450 annual fee, this card is quite expensive to maintain, but if you obtain it, you get an access to luxury services and a great bonus and rewards program, which are especially worthwhile for travelers.
Amex EveryDay® Credit Card
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-2 points per $1 spent
$0
$190
10,000 points
$1,763
We estimate as
- Card Details
- Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
- No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
- Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.
- Pros
- Generous signup bonus
- No annual fee
- High rate for rewards
- 0% on Purchases and Balance Transfers for 15 months
- Cons
- Good to excellent credit score required
Alaska Airlines Visa® Credit Card
This card earns Mileage Plan Points (Mileage Plan program by Alaska Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-3 miles per $1 spent
$75
$570
30,000 miles
$1,713
We estimate as
- Card Details
- Buy one ticket, get one for just the taxes and fees with Alaska’s Famous Companion Fare™ ($0 fare plus taxes and fees from just $22) after you make $1,000 or more in purchases within the first 90 days of your account opening. No blackout dates.
- Earn 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of account opening.
- No Foreign Transaction Fees.
- Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases. Plus, get 1 mile for every $1 spent on all other purchases. Terms Apply.
- Earn and redeem Alaska Mileage Plan miles on Alaska Airlines and Virgin America.
- Get another Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com. There are no blackout dates.
- Free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.
- Pros
- No Foreign Transaction Fees
- Sign-up bonus
- High rewards rate
- Free checked bag
- Cons
- Has annual fee
Radisson RewardsTM Premier Visa Signature® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
5-10 points per $1 spent
$75
$340
85,000 points
$1,699
We estimate as
- Card Details
- Up to 85,000 Bonus Gold Points - receive 50,000 Gold Points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.
- 10 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
- 5 points per $1 spent in eligible net purchases everywhere else.
- 40,000 renewal bonus points each year when you renew your card by paying the Annual fee.
- Earn one free night when you charge $10,000 then renew your card by paying the Annual fee.
- Gold Elite Status upgrade - your Club Carlson membership will reflect your Gold Elite status after you activate and use your card.
- Already reached Gold or Concierge Elite Status? Get 15 qualifying nights toward obtaining or maintaining Concierge Elite status after you activate and use your new card.
- Zero Fraud Liability.
- Travel Accident Insurance.
- Visa Signature Concierge.
- Pros
- Sign-up and anniversary bonuses
- High rewards rate
- Cons
- Has annual fee
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
This card earns AAdvantage Miles (AAdvantage program by American Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$99
waived first year
$700
50,000 miles
$1,661
We estimate as
- Card Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases.
- No Foreign Transaction Fees.
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
- Fly to great destinations on American Airlines operated flights and save your AAdvantage® miles for another trip. Terms Apply.
- Receive a 25% savings on eligible inflight food and beverage purchases.
- Enjoy preferred boarding on American Airlines domestic flights.
- Travel & Purchase protection.
- Citi® Cards with Apple Pay®.
- Pros
- Sign-up bonus
- Double miles
- No Foreign Transaction Fees
- First checked bag is free
- Preferred boarding
- Cons
- Annual fee is waived for the first 12 months, then $95
Virgin Atlantic World Elite Mastercard® from Bank of America
This card earns Flying Club Miles (Flying Club program by Virgin Atlantic)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.25%
1.5-3 miles per $1 spent
$90
$300
20,000 miles
$1,650
We estimate as
- Card Details
- Earn 3 Flying Club miles per $1 spent directly on Virgin Atlantic purchases.
- Plus, 1.5 miles per $1 spent on all other purchases with no limit to the number of miles you can earn. Terms Apply.
- No Foreign Transaction Fees.
- Earn 20,000 Flying Club bonus miles after your first purchase. Terms Apply.
- Earn up to 15,000 additional Flying Club bonus miles every anniversary after qualifying purchases and up to another 5,000 Flying Club bonus miles when you add additional authorized users to your account. Flying Club miles are redeemable for flights, cabin upgrades and more.
- Get a second reward ticket for half the miles when you redeem Flying Club miles for a Virgin Atlantic Economy reward ticket (must spend $25,000+ in purchases annually). Terms Apply.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Annual fee - $90.
- Pros
- High rewards rate
- Sign-up bonus
- No Foreign Transaction Fees
- Security & Benefits
- Cons
- Has annual fee
Premium Cash Back+
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$0
$200
$1,640
We estimate as
- Card Details
- With the introductory offer, you will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date.
- 2% cash rewards.
- No balance transfer fee.
- No foreign transaction fee.
- No annual fee.
- 10.99% APR.
- Secure EMV chip technology.
- 24-hour banking and mobile app access.
- Pros
- Low APR
- 2% cash back
- Signup bonus
- No annual fee
- No foreign transaction fee
- No balance transfer fee
- Cons
- No rewards available
SKYPASS Visa Signature® Card
This card earns SKYPASS Miles (SKYPASS program by Korean Air)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.7%
1-2 miles per $1 spent
$95
$510
30,000 miles
$1,633
We estimate as
- Card Details
- Earn 30,000 Bonus Miles after you spend $3,000 within first 90 days.
- 2 Miles on Korean Air ticket purchases, Gas Station and Hotel purchases.
- 1 mile for every $1 you spend in eligible net purchases.
- 2,000 Bonus Miles at renewal.
- No cap on miles you can earn.
- $50 Off coupon for Korean Air ticket purchase each year,
- Two KAL Lounge coupons each year.
- No foreign transaction fees.
- Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners.
- SKYPASS Visa miles can be combined with your SKYPASS flight miles.
- Pros
- Sign-up bonus
- Bonus reward points
- No foreign transaction fee
- Cons
- Has annual fee
Choice Privileges® Visa Signature® Card from Barclaycard
This card earns Choice Privileges Points (Choice Privileges program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
2-15 points per $1 spent
$0
$192
32,000 points
$1,618
We estimate as
- Card Details
- 2 points per eligible $1 spent on everyday purchases everywhere Visa is accepted.
- 15 points per $1 spent at eligible Choice Privileges® locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
- 5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases.
- Earn 32,000 bonus points after you spend $1,000 on purchases in the first 90 days, enough for up to 4 free nights.
- No Annual Fee.
- Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
- Get a 10% Points Bonus every time you purchase a stay with Choice Hotels®.
- Redemptions for free nights at Choice Hotels or digital gift cards from over 80 of your favorite restaurants and retailors.
- Enjoy Elite Gold status every time upon approval for the Choice Privileges Visa Card.
- Pros
- High rewards rate
- Sign-up bonus
- No Annual Fee
- 0% introductory APR for the first 15 billing cycles following each balance transfer
- Cons
- Has foreign transaction fees
Southwest Rapid Rewards® Plus Credit Card
This card earns Rapid Rewards Points (Rapid Rewards program by Southwest Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 points per $1 spent
$69
$600
40,000 points
$1,581
We estimate as
- Card Details
- 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open. Terms apply.
- 2X points for every $1 you spend on Southwest Airlines® purchases, and 1 point for every $1 you spend on all other purchases. Terms apply.
- Receive 3,000 bonus points after your cardmember anniversary.
- Earn 1 point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date.
- Points don't expire, unlimited reward seats and no blackout dates.
- Redeem your points for flights, hotel stays, car rentals, gifts cards, access to exclusive events, and merchandise.
- Free 1st & 2nd checked bags.
- Lost luggage reimbursement.
- Baggage delay insurance.
- Extended warranty protection.
- Pros
- High rewards rate
- Sign-up bonus
- Anniversary bonus
- No points expiration
- Free 1st & 2nd checked bags
- Security & Benefits
- Cons
- Has annual fee
- Excellent credit needed
Our Take
For the purposes of domestic travel, the Southwest Rapid Rewards Plus Card is a decent option. It comes with a nice bonus for account opening and carries a set of distinct travel perks. All these benefits can contribute considerably to your travel experience. Save a couple hundred dollars on a round trip and get free tickets to fly across the country.
UnitedSM Explorer Card
This card earns Mileage Plus Miles (Mileage Plus program by United)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$95
waived first year
$560
40,000 miles
$1,580
We estimate as
- Card Details
- 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
- Plus, an additional 25,000 Bonus Miles after you spend $10,000 total on purchases in the first 6 months from account opening.
- 2 miles per $1 spent on United purchases, at restaurants and on hotel accommodations when purchased directly with the hotel.
- 1 mile per $1 spent on all other purchases.
- No Foreign transaction fees.
- You can use MileagePlus miles toward travel on United®, currently starting as low as 12,500 miles for a one-way Saver Award within the continental U.S. and Canada.
- No miles limit or expiration as long as your credit card account is open.
- Free first checked bag – a savings of up to $100 per roundtrip. Terms Apply.
- Priority boarding.
- Travel & purchase coverage.
- Pros
- Generous signup bonus
- 2X miles on tickets purchased from United
- No foreign transaction fees
- Free first checked bag
- Priority boarding
- Cons
- Has annual fee
Our Take
The United Explorer Card is a co-branded rewards card that earns MileagePlus® miles and steers you towards flying United. While there is a long list of various minor benefits, conditions, and drawbacks, the balance of the card’s worth hangs on two things only. One, an annual fee of $95, which comes into force from the second year. Two, a free checked bag on each United flight you take.
British Airways Visa Signature® card
This card earns Avios (Executive Club program by British Airways)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-3 points per $1 spent
$95
$750
50,000 points
$1,545
We estimate as
- Card Details
- Earn 50,000 bonus Avios after you spend $3,000 on purchases with the first 3 months of account opening.
- Plus earn an additional 25,000 bonus Avios after you spend $10,000 on purchases within your first year of account opening, plus a further 25,000 Bonus Avios after you spend $20,000 total on purchases within your first year from account opening.
- 3 Avios for every $1 spent on British Airways purchases.
- 1 Avios for every $1 spent on all other purchases. Terms Apply.
- Automatic enrollment in the Executive Club for new members.
- No foreign transaction fees.
- Every calendar year you make $30,000 in purchases on your British Airways Visa Signature card, you will earn a Travel Together Ticket good for two years.
- Travel & purchase coverage.
- Pros
- No foreign transaction fees
- Sign-up bonus
- Annual bonus
- High rate of rewards
- Automatic enrollment in the Executive Club
- Cons
- Has annual fee
- Better option for those who fly British Airways or oneWorld partners frequently
U.S. Bank FlexPerks® Gold American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-3 points per $1 spent
$85
$450
30,000 points
$1,545
We estimate as
- Card Details
- Earn 30,000 bonus FlexPoints worth $450 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
- Earn 3X points at restaurants and 2X points at gas stations and at airlines - which will help you reach your next travel experience that much quicker.
- Earn 1 FlexPoint for every $1 spent on all other eligible net purchases. Terms Apply.
- $25 Airline Allowance.
- No Foreign Transaction Fees.
- Complimentary Boingo Wi-Fi.
- Smart Chip Technology.
- Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first.
- Pros
- High rewards rate
- No Foreign Transaction Fees
- Cons
- Has annual fee
Hilton Honors Aspire Card
This card earns Hilton Honors Points (Hilton Honors program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
3-14 points per $1 spent
$450
$900
150,000 points
$1,494
We estimate as
- Card Details
- Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.
- Earn 14X Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
- Earn 7X Hilton Honors bonus points for flights booked directly with airlines or amextravel.com, car rentals, and U.S. restaurants. Terms apply.
- Earn 3X Hilton Honors bonus points on all other eligible purchases.
- Complimentary Diamond status.
- Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal.
- Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year.
- Enjoy up to $250 in statement credits each year of Card Membership for eligible purchases at participating Hilton Resorts.
- Pros
- Generous signup bonus
- High rewards rate
- No foreign transaction fee
- Cons
- High annual fee
Norwegian Cruise Line® World Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-3 points per $1 spent
$0
$150
10,000 points
$1,446
We estimate as
- Card Details
- Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, and 1 WorldPoints® point per $1 on all other purchases. Terms Apply.
- No annual fee.
- Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise. Terms Apply.
- Redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. You'll also get exclusive redemption opportunities for last-minute cruises and other special offers.
- Bank of America Preferred Rewards clients get an additional 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Terms Apply.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- High rewards rate
- Sign-up bonus
- No annual fee
- Cons
- Has foreign transaction fees
Miles & More® World Elite Mastercard®
This card earns Miles&More Miles (Miles&More program by Lufthansa)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$89
$700
50,000 miles
$1,441
We estimate as
- Card Details
- Earn 20,000 bonus miles when you make an initial purchase and payment of the annual fee, then earn an additional 30,000 award miles after you make $5,000 in purchases in the first 90 days.
- Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners.
- Earn 1 award mile per $1 spent on all other purchases everywhere Mastercard is accepted.
- Convert award miles earned on purchases into status miles. Once each year, you can convert 5,000 to 25,000 award miles at a 5 to 1 ratio. For example, 5,000 award miles converts to 1,000 status miles.
- No Foreign Transaction Fees.
- Receive a discount code for up to 15% off hotel and car rental redemptions at milesandmore.com/hotelandcar.
- Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance Airlines and other partners.
- 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Two complimentary Lufthansa Business Lounge Vouchers annually.
- Receive a companion ticket annually.
- Pros
- High rewards rate
- Sign-up bonus
- No Penalty APR
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Cons
- Has annual fee
Citi® Double Cash Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$0
$0
$1,440
We estimate as
- Card Details
- Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
- No caps and no category restrictions.
- No annual fee.
- 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
- You can redeem cash back for checks, statement credits or gift cards.
- Get a pass on your first late fee.
- Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
- Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
- Travel & Purchase protection.
- Pros
- 2% cash back
- No annual fee
- 0% Intro APR on balance transfers for 18 months
- Cons
- Good to excellent credit score required
- No signup bonus
Bank of America® Travel Rewards credit card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1.5-3 points per $1 spent
$0
$250
25,000 points
$1,438
We estimate as
- Card Details
- Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points. Terms Apply.
- 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases. Terms Apply.
- No Annual Fee.
- No Foreign Transaction Fees.
- Introductory 0% APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 16.99% - 24.99% will apply.
- Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
- Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- High rewards rate
- Sign-up bonus
- No Annual Fee
- No Foreign Transaction Fees
- Intro 0% APR for the first 12 billing cycles
- Cons
- Has interest charges
Our Take
The Bank of America® Travel Rewards credit card has a number of things going for it. It’s free, there is a sign-up bonus, and it has the potential of earning rewards at a rate above market average.
AT&T Access Card from Citi
This card earns ThankYou Points (Citi ThankYou program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.6%
1-2 points per $1 spent
$0
$160
10,000 points
$1,427
We estimate as
- Card Details
- 10,000 Bonus Points after you spend $1,000 in purchases within 3 months of account opening.
- Earn 2 Points for every $1 you spend on purchases made online at retail and travel websites.
- Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone.
- Earn 1 Point for every $1 you spend on other purchases.
- Redeem your points for exciting rewards like gift cards, travel rewards, electronics and more.
- No Annual Fee.
- Citi customers enjoy special access to purchase tickets to thousands of events annually.
- Travel & Purchase protection.
- Citi® Cards with Apple Pay®.
- Pros
- Bonus reward points
- Sign-up bonus
- No Annual Fee
- Cons
- Good to excellent credit score required
AAdvantage® Aviator® Red World Elite Mastercard®
This card earns AAdvantage Miles (AAdvantage program by American Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$95
$700
50,000 miles
$1,423
We estimate as
- Card Details
- Earn 50,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee.
- Earn 2X miles on eligible American Airlines purchases, and 1X miles on all other purchases. Terms Apply.
- Get 10% of your redeemed miles back. Note, 10,000 miles maximum per calendar year.
- Earn $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each calendar year.
- First checked bag free. Terms Apply.
- Preferred boarding for the primary cardmember and up to 4 companions on your reservation when traveling on domestic itineraries operated by American Airlines.
- No foreign transaction fees.
- Receive 25% inflight savings on food and beverages.
- 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Pros
- Sign-up bonus
- High rate of rewards
- 10% of your redeemed miles back
- No foreign transaction fees
- 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Cons
- Has annual fee
The Platinum Card® from American Express
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-5 points per $1 spent
$550
$1,140
60,000 points
$1,405
We estimate as
- Card Details
- Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
- Up to $200 Uber Savings Annually.
- $200 Airline Fee Credit. Receive up to $200 a year in baggage fees and and other incidental fees at one airline. Terms Apply.
- $100 Fee Credit for Global Entry or TSA PRE✓®.
- Receive complimentary benefits of up to $550 at over 975 extraordinary properties worldwide when you book Fine Hotels & Resort. Learn More. Terms Apply.
- As a Platinum Card Member, you can enjoy access to the American Express Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations across 120 countries.
- No interest charges because you pay your balance in full each month.
- Pros
- No foreign transaction fee
- High rewards rate
- Sign-up bonus
- Cons
- Has annual fee
Our Take
For anyone travelling full time, part time, or at least somewhat frequently, the card’s annual fee should be no issue at all. The travel credit alone covers the most of it, and whatever is left you can easily make up with rewards points and additional travel perks.
Wyndham Rewards® Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-3 points per $1 spent
$0
$180
15,000 points
$1,390
We estimate as
- Card Details
- Get 15,000 bonus points after your first purchase enough to redeem for up to 1 free night.
- No Annual Fee.
- Earn 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America properties, and on-property spend and maintenance fees at Wyndham timeshare properties.
- Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®).
- No Foreign transaction fees.
- 0% APR on all Wyndham Timeshare Purchases for six billing cycles.
- 0% Intro APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Protection against unauthorized use of card.
- Global assistance services 24/7.
- Pros
- Sign-up bonus
- High rate of rewards
- No Annual Fee
- No Foreign transaction fees
- No Penalty APR
- Cons
- Good to excellent credit score required
U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-2 points per $1 spent
$49
waived first year
$400
$1,382
We estimate as
- Card Details
- Earn $400 of value redeemable for airfare, hotel stays, and car rentals. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
- Earn 2X FlexPoints at grocery stores.
- Earn 2X FlexPoints at qualifiying charitable contributions.
- Earn 1 point/mile for every $1 of eligible net purchases.
- 12 Complimentary Gogo® Inflight Wi-Fi passes per year.
- Use your mobile device to instantly redeem points for almost any purchase.
- Redemption starts at just 1,000 FlexPoints for merchandise, gift cards, cash back and more.
- $25 airline allowance for airline award tickets.
- Pros
- Sign-up bonus
- High rate of rewards
- No Foreign Transaction Fees
Premier Rewards Gold Card from American Express
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0%
$195
waived first year
$950
50,000 points
$1,381
We estimate as
- Card Details
- Earn 50,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
- Earn 3X points for flights booked directly with airlines. Terms and Limitations Apply.
- Earn 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. Terms and Limitations Apply.
- No Foreign Transaction Fees.
- $100 Airline Fee Credit. Receive up to $100 a year in baggage fees and other incidentals at one airline.
- Get 2X Membership Rewards® points per eligible $1 spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities at participating properties, at americanexpress.com/hc. Terms apply.
- No interest charges because you pay your balance in full each month.
- $00 intro annual fee for the first 12 months of Card Membership, then $195.
- Pros
- Hight rewards rate
- Sign-up bonus
- No Foreign Transaction Fees
- No interest charges
- Cons
- Has annual fee
Our Take
The card is as close as you can get to a top-tier travel card without having to pay a $400+ annual fee. It has a generous bonus offer, solid earning and redemption rates, and a few somewhat useful travel perks. Its ideal user is someone who is already flying with American Express airline partners and staying at the Hotel Collection properties.
Bank of America® Premium Rewards® Credit Card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1.5-2 points per $1 spent
$95
$500
50,000 points
$1,367
We estimate as
- Card Details
- 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
- No limit to the points you can earn and your points don't expire.
- Redeem for cash back as a statement credit, or as a deposit into your eligible Bank of America® or Merrill Lynch® accounts including checking, savings, and 529, or to purchase travel (air, car, and hotel) through the Bank of America Travel Center or redeem for gift cards.
- Get up to $200 in travel statement credit rewards.
- No foreign transaction fees.
- If you're a Bank of America® Preferred Rewards client, you can enjoy 25% - 75% rewards bonus on every purchase. That means you could earn up to 3.5 points per $1 on travel and dining purchases and up to 2.62 points per $1 on all other purchases.
- Pros
- Generous signup bonus
- High rewards rate
- No foreign transaction fee
- Cons
- Has annual fee
Capital One® Savor® Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$95
waived first year
$500
$1,354
We estimate as
- Card Details
- Earn unlimited 4% cash back on dining and entertainment, 2% on groceries and 1% on all other purchases.
- Earn a one-time $500 cash bonus once you spend $3000 on purchases within 3 months from account opening.
- $0 intro for the first year, $95 after that.
- No balance transfer fee.
- No foreign transaction fees.
- Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
- Travel and retail perks and benefits.
- Pros
- Generous signup bonus
- 4% cash back
- No annual fee
- No foreign transaction fee
- Cons
- Good to excellent credit score required
EXPEDIA®+ VOYAGER CARD from Citi
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.3%
1-4 points per $1 spent
$95
$325
25,000 points
$1,350
We estimate as
- Card Details
- Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening, redeemable for $350 towards your stay at a +VIP Access™ hotel.
- 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages.
- 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment, including tickets to concerts, movies and sporting events.
- 1 Expedia+ bonus point per $1 spent on other purchases. Terms Apply.
- $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals on qualified airlines, Wi-Fi carriers or for either the Global Entry or TSA Pre✓® application fee.
- Anniversary Bonus of 5,000 Expedia+ bonus points after you spend $10,000 in the prior year.
- Expedia+ gold status is complimentary for as long as you are a cardmember.
- Citi customers enjoy special access to purchase tickets to thousands of events annually.
- Travel & Purchase protection.
- Pros
- Sign-up bonus
- High rate of rewards
- No Foreign transaction fees
- Cons
- Needs excellent credit
NHL® Discover it®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,341
We estimate as
- Card Details
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
- Plus, unlimited 1% cash back on all other purchases. Terms Apply.
- No annual fee.
- No penalty APR.
- Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
- Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
- Redeem your rewards for cash in any amount, anytime.
- Free monthly access to FICO® Score.
- Freeze it® on/off switch option for your account protection.
- Pros
- 5% cash back
- No annual fee
- No penalty APR
- No overlimit fee
- No foreign transaction fee
- 0% APR for 14 months
- Cons
- Good to excellent credit score required
- No signup bonus
Priceline Rewards™ Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
1-5 points per $1 spent
$0
$62.5
5,000 points
$1,323
We estimate as
- Card Details
- Earn 5X points on eligible priceline.com purchases, and 1X points per $1 spent on purchases everywhere Visa is accepted. Terms Apply.
- No Annual Fee.
- 5,000 bonus points after first purchase. That's enough to redeem for a $50 statement credit.
- No Foreign Transaction Fees.
- Get 10% points back every time you redeem for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days.
- 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- No limit on the number of points you can earn.
- $0 Fraud Liability protection.
- Concierge service provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.
- Pros
- High rewards rate
- No Annual Fee
- Sign-up bonus
- No Foreign transaction fees
- Cons
- Good to excellent credit score required
LANPASS Visa Signature® from U.S. Bank
This card earns LATAM Pass Kilometers (LATAM Pass program by LATAM)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.6%
1-2 miles per $1 spent
$75
waived first year
$320
20,000 miles
$1,322
We estimate as
- Card Details
- 20,000 Bonus Miles after your first LANPASS credit card use.
- Double Miles on LATAM Airlines ticket purchases.
- One LATAM Pass Mile for every eligible net $1 you spend.
- 4,000 Bonus Miles with your annual renewal.
- No Cap on Miles Earned.
- $0 introductory annual fee for the first 12 months, After that $75.
- 20% discount on LATAM Airlines purchase (up to $1,000) 1 time per year.
- 25% flight miles bonus.
- 3 one-way upgrade coupons per year.
- Premium offers.
- Pros
- Sign-up and anniversary bonuses
- High rewards rate
- $0 introductory annual fee for the first 12 months
- Cons
- Good to excellent credit score required
- Has annual fee
EXPEDIA®+ CARD from Citi
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.3%
1-3 points per $1 spent
$0
$195
15,000 points
$1,318
We estimate as
- Card Details
- 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening, redeemable for $200 towards your stay at a +VIP Access™ hotel.
- Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages.
- Earn 1 Expedia+ point per $1 spent on other purchases. Terms Apply.
- No annual fee.
- Expedia+ silver status is complimentary for as long as you are a cardmember.
- Earn one Elite Qualifying Hotel Night towards Expedia+ gold status qualification for each increment of $2,500 in purchases made on the card between your January and December billing statements.
- No limit to the number of Expedia+ bonus points you can earn.
- Citi customers enjoy special access to purchase tickets to thousands of events annually.
- Travel & Purchase protection.
- Pros
- Sign-up bonus
- High rewards rate
- No Annual Fee
- Cons
- Needs excellent credit
American Express® Green Card
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-2 points per $1 spent
$95
waived first year
$0
$1,315
We estimate as
- Card Details
- You can get double Membership Rewards® points on every dollar of eligible travel purchases–such as prepaid hotel stays, vacation packages and cruises–when you use your Card to book your trip through AmexTravel.com.
- Get 1X for every eligible dollar you spend. Terms Apply.
- Redeem Membership Rewards points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking with American Express Travel.
- No interest charges because you pay your balance in full each month.
- $0 intro annual fee for the first year of Card Membership, then $95.
- Over 1 Million more places in the U.S. started accepting American Express® Cards in 2016.
- Pros
- High rewards rate
- No interest charges
- Cons
- Needs excellent credit score
- Has annual fee
LANPASS Visa® from U.S. Bank
This card earns LATAM Pass Kilometers (LATAM Pass program by LATAM)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.6%
Miles per $1 on all purchases per $ spent
$45
waived first year
$240
15,000 miles
$1,302
We estimate as
- Card Details
- 15,000 Bonus Miles after your first card use.
- 2,000 Bonus Miles with your annual renewal.
- 1 LATAM Pass Mile for every eligible net $1 you spend.
- No Cap on Miles Earned.
- 10% discount on LATAM Airlines purchase (up to $1,000) 1 time per year.
- $0 intro annual fee the first year; $45 thereafter.
- Zero Fraud Liability.
- Fraud Protection.
- Travel & Emergency Assistance Services.
- Pros
- Sign-up bonus
- Annual bonus
- Cons
- $0 intro annual fee the first year; $45 thereafter
Blue Cash Preferred® Card from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 6% restricted
$95
$250
$1,297
We estimate as
- Card Details
- Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
- 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 25.74%.
- Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
- Earn 3% Cash Back at US gas stations and select US department stores.
- Earn 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
- Travel and shopping benefits.
- Pros
- Generous signup bonus
- Great cash back on gas
- 0% introductory APR for the first 12 months
- Cons
- Annual fee of $95
Our Take
Blue Cash Preferred® Card is the best cashback card in its segment. In the long run, you save a considerable amount (up to $360 provided you spend at least $6,000 per year on groceries). Apply for the card and win rewards from shopping.
SunTrust Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$1,296
We estimate as
- Card Details
- 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months.
- 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
- 1% Unlimited Cash Back on all other qualifying purchases.
- 0% intro APR on purchases and balance transfers for 15 months after account opening.
- No annual fee.
- No foreign transaction fees.
- Pros
- 5% cash back
- No annual fee
- No foreign transaction fee
- Cons
- No signup bonus
Wells Fargo Cash Wise Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$200
$1,280
We estimate as
- Card Details
- $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
- Unlimited 1.5% cash rewards on net purchases.
- No Annual Fee.
- 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
- 0% intro APR on purchases and balance transfers for 12 months.
- No category restrictions or quarterly sign ups to limit cash rewards earnings.
- Cash rewards that don’t expire while the account is open.
- Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.
- Pros
- Cash rewards
- No annual fee
- Sign-up bonus
- Low introductory APR
- Cons
- Good to excellent credit score required
- Has foreign transaction fees
Citi® / AAdvantage® Gold World Elite™ Mastercard®
This card earns AAdvantage Miles (AAdvantage program by American Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
Miles per $1 on all purchases per $ spent
$50
waived first year
$350
25,000 miles
$1,258
We estimate as
- Card Details
- 25,000 American Airlines AAdvantage® bonus miles after $750 spent on purchases within the first 3 months, that's enough for a round trip domestic MileSAAver® award (plus government fees of $5.60 per one-way trip).
- 1 AAdvantage® mile for every $1 spent on purchases.
- Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card.
- No blackout dates on award travel on American Airlines and American Eagle® carriers.
- $0 Annual Fee for the first 12 months, thereafter $50.
- Redeem your AAdvantage® miles for a domestic round–trip flight award on American Airlines and American Eagle® carriers for as little as 25,000 AAdvantage® miles.
- Citi® Cards with Apple Pay®.
- Travel & Purchase protection.
- Pros
- Sign-up bonus
- 1 AAdvantage® mile for every $1 spent on purchases
- Travel & Purchase protection
- Cons
- Has annual fee
U.S. Bank Cash 365™ American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$150
$1,230
We estimate as
- Card Details
- Unlimited 1.5% cash back.
- Earn a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening.
- No categories and no enrollments. Just use your card and earn cash back. Plus, your cash back never expires.
- No annual fee.
- Get your cash back in the form of a statement credit, a direct deposit into your U.S. Bank checking or savings account, or as a rewards card.
- Extended Warranty and Return Protection.
- Pros
- 1.5% cash back
- No annual fee
- Generous signup bonus
- Cash back never expires
- Cons
- Excellent credit score required
Chase Freedom Unlimited® credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$150
$1,230
We estimate as
- Card Details
- Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
- Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
- Enjoy 0% promotional APR for 15 months from date of purchase on purchases of $299 or more – available anytime and it's automatic. After that, 16.99% - 25.74% variable APR.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
- Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
- Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
- Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
- Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
- Pros
- 1.5% unlimited cash back on all purchases
- No annual fee
- $150 bonus with low qualification
- 0% intro APR for 15 months on purchases
- Cons
- Good to excellent credit score required
U.S. Bank FlexPerks® Select+ American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
Points per $1 on all purchases per $ spent
$0
$150
10,000 points
$1,230
We estimate as
- Card Details
- Earn 10,000 bonus FlexPoints worth $150 on airfare, hotel stays, car rentals and more. Just spend $1,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
- Earn up to 1 FlexPoint for every $1 spent in eligible Net Purchases.
- No Annual Fee.
- Travel on more than 150 airlines with no blackout dates or online redemption fees.
- Redemption starts at just 1,000 FlexPoints for merchandise, gift cards, statement credits and more.
- Award travel starts at just 20,000 FlexPoints.
- American Express Benefits.
- 0% introductory APR for the first 9 billing cycles for balances transferred within 60 days from account opening.
- Pros
- Sign-up bonus
- No Annual Fee
- 0% Intro APR for the first 9 billing cycles for balance transfers
Cash Magnet™ Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$150
$1,230
We estimate as
- Card Details
- Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
- No annual fee.
- Unlimited 1.5% Cash Back on your purchases.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
- Car rental loss and damage insurance.
- Travel and shopping benefits.
- Pros
- Unlimited 1.5% Cash Back
- Generous signup bonus
- No annual fee
- 0% purchase and balance transfer intro APR
- Cons
- Good to excellent credit score required
- Has foreign transaction fees.
Barclays Arrival® Premier World Elite Mastercard®
This card earns Barclay Reward Points (Barclay Premier Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
Miles per $1 on all purchases per $ spent
$150
waived first year
$262.5
25,000 miles
$1,212
We estimate as
- Card Details
- Earn up to 25,000 loyalty bonus miles each year, spend $15,000 on purchases, get 15,000 miles.
- Spend an additional $10,000 on purchases, get an additional 10,000 miles, for a total of 25,000 miles after $25,000 in purchases.
- Earn Unlimited 2X miles on every purchase.
- Redeem your miles for travel or cash back statement credits, gift cards and merchandise. Redeeming miles for travel statement credits offers the best value.
- Miles don't expire as long as your account is open, active and in good standing.
- $0 intro annual fee for the first 12 month.
- Global Entry - Expedite your Re-entry with a $100 automatic statement credit for the cost of one Global Entry application fee every five years.
- No foreign transaction fees.
- Travel perks & benefits.
- Pros
- 2X miles per dollar on every purchase
- Generous annual bonus
- No foreign transaction fee
- Cons
- Has annual fee
Our Take
The Barclays Arrival® Premier World Elite Mastercard® is for big spenders who are willing to build a long-term relationship with the issuer. Coming with no signup bonus, the card still offers you a substantial bonus for your loyalty, provided you meet the spending requirements.
JetBlue Card from Barclaycard
This card earns TrueBlue Points (TrueBlue program by JetBlue)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-3 points per $1 spent
$0
$120
10,000 points
$1,200
We estimate as
- Card Details
- Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
- 3X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases. Terms Apply.
- No annual fee.
- 50% inflight savings on cocktails and food purchases.
- No foreign transaction fees.
- No blackout dates on JetBlue-operated flights.
- $0 Fraud Liability protection.
- Points awarded to your TrueBlue account don't expire. Redeem anytime.
- Redeem for any seat, any time on JetBlue-operated flights. Terms Apply.
- Earn and share points together with your family.
- Pros
- High rate of rewards
- No Annual Fee
- Sign-up bonus
- No Foreign Transaction Fees
- No Penalty APR
Uber Visa Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$0
$100
$1,180
We estimate as
- Card Details
- Earn $100 after spending $500 on purchases in the first 90 days.
- 4% back on restaurants, takeout, and bars, including UberEATS.
- 3% back on airfare, hotels, and vacation home rentals.
- 2% back on online purchases including Uber, online shopping, video and music streaming services.
- 1% back on all other purchases.
- Up to a $50 credit for online subscription services after you spend $5,000 on your card per year.
- No foreign transaction fees.
- No annual fee.
- Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill.
- Receive invites to exclusive events and offers in select U.S. cities.
- Pros
- 4% cash back
- No annual fee
- No foreign transaction fee
- Generous signup bonus
- Cons
- Good to excellent credit score required
Blue Cash Everyday® Card from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,172
We estimate as
- Card Details
- Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
- No annual fee.
- Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
- Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
- Earn 1% Cash Back on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
- Travel and shopping benefits.
- Pros
- No annual fee
- Generous signup bonus
- Competitive cash back on groceries
- Good cash back rate on gas
- Cons
- 0% APR for purchases and balance transfer for 15 month, then a regular APR is applied
IHG® Rewards Club Premier Credit Card
This card earns IHG Rewards Points (IHG Rewards Club program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.6%
1-10 points per $1 spent
$89
$480
80,000 points
$1,163
We estimate as
- Card Details
- 80,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening.
- Plus, earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.
- Earn 10 points per $1 spent on purchases when you stay at IHG® hotels.
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
- Earn 1 point per $1 spent on all other purchases.
- Enjoy a Free night after each account anniversary year at IHG hotels worldwide.
- Free reward night when you redeem points for any stay of 4 or more nights.
- No foreign transaction fees.
- Platinum Elite status.
- Pros
- Generous sign-up bonus
- High rewards rate
- Anniversary Free Night
- No Foreign transaction fees
- Platinum Elite status
- Travel & purchase coverage
- Cons
- Good to excellent credit score required
Gold Delta SkyMiles® Credit Card
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$95
waived first year
$360
30,000 miles
$1,120
We estimate as
- Card Details
- Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- Earn 2X miles on every $1 spent on purchases made directly with Delta. Earn 1X mile for every $1 spent on all other eligible purchases.
- Miles are redeemable toward travel on Delta and more than 15 airline partners.
- No Foreign Transaction Fees.
- Enjoy your first bag check for free save up to $50 on a round-trip Delta flight.
- Settle into your seat sooner with Priority Boarding.
- $0 intro annual fee for the first year, then $95.
- Pros
- Generous sign-up bonus
- No foreign transaction fee
- Cons
- Has annual fee
Costco Anywhere Visa® Card by Citi
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$0
$0
$1,116
We estimate as
- Card Details
- Earn Costco cash rewards everywhere Visa® is accepted.
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year in gas purchases and then 1% thereafter. Terms Apply.
- 3% cash back on restaurant (including cafes, bars, lounges and fast food restaurants) and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
- No annual fee with your paid Costco membership.
- Travel & Purchase protection.
- Pros
- 4% cash back
- Bonus cash back categories
- No annual fee
- No foreign transaction fee
- Cons
- Excellent credit is needed
Bank of America® Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,100
We estimate as
- Card Details
- 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
- Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
- If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
- There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
- Complete your application and get a response in as little as 60 seconds.
- Pros
- 0% APR intro offer for 12 months on purchases and balance transfer
- No annual fee
- 2% cash back on groceries
- 3% cash back on gas
- $150 online bonus
- Cons
- Good to excellent credit score required
- 1% cash back on all purchases is not a top-notch offer
Capital One® VentureOne® Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
Miles per $1 on all purchases per $ spent
$0
$200
20,000 miles
$1,100
We estimate as
- Card Details
- Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
- Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
- Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
- No Annual Fee.
- 0% intro APR for 12 months; 13.74%, 19.74% or 23.74% variable APR after that.
- Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
- Use the card with Apple PayTM to make purchases on the go.
- No foreign transaction fees.
- Visa Signature® Benefits.
- Pros
- Sign-up bonus
- Unlimited Rewards
- No Annual Fee
- No foreign transaction fees
- Cons
- Good to excellent credit score required
Amazon Rewards Visa Signature Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$50
$1,094
We estimate as
- Card Details
- $50 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
- Earn 3% Back at Amazon.com and Whole Foods Market, 2% Back at restaurants, gas stations and drugstores, and 1% Back on all other purchases. Terms Apply.
- No annual fee.
- No foreign transaction fees.
- Redeem for millions of items at Amazon.com.
- Service & protection.
- Pros
- $50 Amazon.com Gift Card
- Cash Back rewards
- No Annual Fee
- No Foreign transaction fees
Discover it® Miles Travel Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
Miles per $1 on all purchases per $ spent
$0
$0
$1,080
We estimate as
- Card Details
- Earn unlimited 1.5X Miles for every $1 spent on all purchases – from airfare and hotels to groceries and online shopping. Terms Apply.
- No Annual Fee.
- Get Cashback Match for all the Miles you've earned at the end of your first year. For example, 30,000 Miles turns into 60,000 Miles.
- No Penalty APR.
- Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more.
- Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase. Your rewards never expire.
- Freeze it® on/off switch option for your account protection.
- 100% U.S. based customer service.
- Free monthly access to FICO® Score.
- Fraud monitoring and protection.
- Pros
- Sign-up bonus
- No Annual Fee
- No Penalty APR
- No Foreign Transaction Fees
- Cons
- Good to excellent credit score required
Preferred Cash Rewards Visa Signature® Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$0
$1,080
We estimate as
- Card Details
- Earn 1.5% cash back on every purchase.
- Redeem your cash rewards anytime using your mobile device or computer.
- There's no limit on the amount you can earn.
- No foreign transaction fees.
- No annual fee.
- Special Benefits for Military.
- Security, Travel and Retail Benefits.
- Pros
- No Annual Fee
- No Foreign transaction fees
- 1.5% cash back on all purchases
- Cons
- No signup bonus
- Good to excellent credit score required
Blue Delta SkyMiles® Credit Card
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$0
$120
10,000 miles
$1,070
We estimate as
- Card Details
- Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
- No annual fee.
- Earn 2X miles per dollar at US restaurants.
- Earn 2X miles per dollar on Delta purchases.
- Earn 1X mile per dollar on all other eligible purchases. Terms apply.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- Shopping & entertainment benefits.
- Pros
- Generous signup bonus
- No annual fee
- Cons
- High purchase APR
BMO Harris Bank Cash Back Mastercard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$200
$1,064
We estimate as
- Card Details
- Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
- $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
- 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
- 0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
- No annual fee.
- Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
- Pros
- 2% cash back
- No annual fee
- $200 cash back bonus
- 0% purchase and balance transfer intro APR
- Cons
- Good to excellent credit score required
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
- Card Details
- 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
- Help fight breast cancer. Terms Apply.
- Enjoy no annual fee while earning more cash back for the things you buy most.
- Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
- You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
- Free monthly access to FICO® Score.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Pros
- 1.5% cash back
- Help fight breast cancer
- Sign-up bonus
- No Annual Fee
- 0% Intro APR for your first 12 billing cycles
- Security & Benefits
MLB™ Cash Rewards Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
- Card Details
- Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- 1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
- No Annual Fee.
- 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
- Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- Cash back rewards
- Sign-up bonus
- No annual Fee
- 0% Intro APR for the first 12 billing cycles
World Wildlife Fund Credit Card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
- Card Details
- 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
- Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- No Annual Fee.
- 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
- Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- Cash Back Rewards
- Help support WWF
- No Annual Fee
- 0% Intro APR for your first 12 billing cycles
- Security & Benefits
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
- Card Details
- 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
- No Annual Fee.
- Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
- Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- No Annual Fee
- Sign-up bonus
- 0% Intro APR for the first 12 billing cycles
- Cash Back Rewards
- Free monthly access to FICO® Score
- Cons
- Has interest charges
City National Crystal® Visa Infinite® Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
1-3 points per $1 spent
$400
$625
50,000 points
$1,045
We estimate as
- Card Details
- Earn 50,000 City National Rewards Bonus Points when you spend $5,000 or more within the first 90 days after account opening.
- Open your account between September 17, 2018, and December 17, 2018, and earn 25,000 additional Bonus Points, for a total of 75,000 Points, when you spend $5,000 or more within the first 90 days after account opening.
- Earn 3 Points per $1 spent on gas, grocery, airline, hotel, taxi, limousine, rental car, train, bus, restaurant, fast food and takeout food and dining purchases.
- Earn 1 Point per $1 spent on all other purchases. Terms Apply.
- Receive a statement credit of up to $250 per card per calendar year for Qualifying Airline Purchases.
- No Foreign Transaction Fees.
- Save $100 on air travel when you use your Crystal Visa Infinite Card to book a qualifying U.S. domestic round-trip coach airline itinerary for 2 to 5 travelers.
- Receive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend – for any airline lounge club worldwide.
- No annual cap on Points and Points don't expire as long as your account is open and the Rewards program has not ended.
- Access to over 900 airport VIP lounges in more than 120 countries and 400 cities worldwide.
- Pros
- Generous signup bonus
- High rewards rate
- Low interest rate
- No foreign transaction fee
- Cons
- Has annual fee
Amazon Prime Rewards Visa® Signature Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$1,044
We estimate as
- Card Details
- No annual fee.
- No foreign transaction fees.
- Get a $50 Amazon.com Gift Card instantly upon credit card approval.
- Earn 3% cash back at Amazon.com and Whole Foods Market.
- Earn 2% cash back at gas stations, restaurants, and drugstores.
- Earn 1% cash back on all other purchases.
- Redeem for millions of items at Amazon.com
- Travel perks and protection.
- Pros
- No annual fee
- No foreign transaction fee
- 3% cash back
- Cons
- Good to excellent credit score required
Radisson RewardsTM Visa® Signature® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
3-6 points per $1 spent
$50
$240
60,000 points
$1,040
We estimate as
- Card Details
- Up to 60,000 Bonus Gold Points - receive 50,000 Gold Points after your first purchase plus 10,000 points once you spend $1,500 on your card within the first 90 days.
- 25,000 renewal bonus points each year when you renew your card by paying the Annual Fee.
- 6 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
- 3 points per $1 spent in eligible net purchases everywhere else. Terms Apply.
- Earn one free night when you charge $10,000 then renew your card by paying the Annual fee.
- Gold Elite Status upgrade - your Club Carlson membership will reflect your Silver Elite status after you activate and use your card.
- Already reached Silver, Gold or Concierge Elite Status? Get qualifying nights toward obtaining or maintaining Gold or Concierge Elite status after you activate and use your new card.
- Visa Signature Concierge.
- Zero Fraud Liability.
- Pros
- Sign-up and anniversary bonuses
- High rewards rate
- Cons
- Has annual fee
AARP® Credit Card from Chase
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$100
$1,036
We estimate as
- Card Details
- $100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening.
- Earn 3% Cash Back rewards on purchase at gas stations and restaurants, from fine dining to fast food.
- Plus, earn 1% Cash Back rewards on all other purchases.
- No Annual Fee.
- No caps and rewards do not expire as long as your account is open.
- Redeem rewards for cash back, gift cards and traveling.
- For every purchase you make at restaurants with your AARP Credit Card from Chase, $0.10 will be donated to AARP Foundation in support of Drive To End Hunger, up to $1.1 Million in 2016.
- Service & protection.
- Pros
- $100 Bonus Cash Back
- Unlimited Cash Back rewards
- No Annual Fee
- Service & protection
First Hawaiian Bank Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$125
$1,025
We estimate as
- Card Details
- Apply by December 31, 2018, and if approved, receive a $125 statement credit after spending only $500 in the first three months.
- Earn 3% cash back on gas purchases, 2% cash back on grocery purchases, 1% cash back on all other purchases.
- Cash rewards are automatically credited to your monthly credit card statement.
- No annual fee.
- $100,000 Travel Accident Insurance.
- Secondary Rental Car Insurance.
- Color Photo I.D.
- 24-Hour Customer Service.
- Embedded EMV chip provides an extra layer of security and greater worldwide acceptance.
- Pros
- Generous signup bonus
- 3% cash back
- No annual fee
- Cons
- No signup bonus
Hawaiian Airlines® World Elite Mastercard®
This card earns Hawaiian Miles (HawaiianMiles program by Hawaiian Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$89
$420
35,000 miles
$1,017
We estimate as
- Card Details
- Earn 35,000 bonus miles after you spend $1,000 on purchases in the first 90 days.
- 2X miles on eligible purchases made directly from Hawaiian Airlines, and 1X miles on all other purchases with no mileage caps. Terms Apply.
- No Foreign Transaction Fees.
- Complimentary 1st checked bag for the primary cardmember on eligible ticket purchases.
- One-time 50% off companion discount for round trip coach travel between Hawaii and North America on Hawaiian Airlines.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Enjoy a intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 25.74% based on your creditworthiness.
- Get $100 off a companion ticket for round trip coach travel between Hawaii and North America at each account anniversary.
- No blackout dates, plus access to discounted award flights on Hawaiian Airlines.
- ShareMiles allows Hawaiian Airlines World Elite MasterCard cardmembers to receive HawaiianMiles from friends and family online at HawaiianAirlines.com.
- Pros
- No Foreign Transaction Fees
- Sign-up bonus
- Low intro APR on balance transfers
- No Penalty APR
- Cons
- Has annual fee
Discover it® Balance Transfer
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,017
We estimate as
- Card Details
- No annual fee.
- 0% intro APR for 18 months on balance transfers.
- Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
- Plus unlimited 1% cash back on all other purchases.
- Only Discover automatically matches all the cash back you've earned at the end of your first year.
- Your cash back never expires. Redeem in any amount, at any time.
- Freeze It® on/off switch for your account.
- 100% U.S.-based customer Service.
- View your FICO® Credit Score for free.
- Pros
- No annual fee
- No foreign transaction fee
- Low balance transfer intro APR
- 5% cash back
- Cons
- Has balance transfer fee
U.S. Bank Cash+™ Visa Signature®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$150
$1,014
We estimate as
- Card Details
- 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose.
- 2% cash back on one everyday category.
- 1% cash back on all your eligible net purchases.
- Earn a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening.
- No limit on total cash back earned.
- No Annual Fee.
- Visa Signature benefits.
- 0% Intro APR for the first 12 billing cycles for balance transfers.
- Options to redeem with no minimum required.
- Pros
- Cash bask rewards
- No Annual Fee
- 0% Intro APR for the first 12 billing cycles for balance transfers
- Cons
- Needs excellent credit
USAA Rewards™ American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-3 points per $1 spent
$0
$0
$1,008
We estimate as
- Card Details
- 3X points for dining out, 2X points for gas and groceries, 1X points on all other purchases.
- Pay no annual fee, no Penalty APR and no over-the-limit fees.
- You're not liable for any unauthorized purchases.
- No foreign transaction fees.
- Special benefits for military.
- Security, travel and retail benefits.
- There's no expiration date or caps on any points earned.
- Redeem points for cash, merchandise, gift cards, travel or donations to the military affiliate group of your choice.
- Pros
- No Annual Fee
- No Foreign transaction fees
- 3X points per $1 spent on dining
- Cons
- No signup bonus
SunTrust Travel Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$89
waived first year
$250
$1,008
We estimate as
- Card Details
- $250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening.
- 3% Unlimited Cash Back on travel qualifying purchases.
- 2% Unlimited Cash Back on dining qualifying purchases.
- 1% Unlimited Cash Back on all other qualifying purchases—all the time.
- Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck.
- No foreign transaction fees.
- $0 Intro Annual fee for the first year, $89 thereafter.
- 0% intro APR on balance transfers for 15 months after account opening.
- Pros
- 3% cash back
- Generous signup bonus
- No foreign transaction fee
- 0% balance transfer intro APR
- $0 Intro Annual fee for the first year
- Cons
- $89 annual fee
Chase Freedom® credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$150
$1,005
We estimate as
- Card Details
- Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
- No Annual Fee.
- 0% intro APR for the first 15 months from account opening on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.
- Cash Back rewards do not expire as long as your account is open.
- Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
- Service & protection.
- Pros
- $150 Bonus
- Low intro APR
- Cash Back rewards
- No Annual Fee
- Cons
- Has foreign transaction fees
Our Take
Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.
Frontier Airlines World MasterCard® from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.1%
1-2 miles per $1 spent
$79
$440
40,000 miles
$995
We estimate as
- Card Details
- Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days of account opening and payment of the annual fee.
- Get 2 miles for every $1 spent on purchases at FlyFrontier.com, and 1 mile for every $1 spent on all other purchases. Terms Apply.
- Earn a $100 Frontier Airlines flight discount voucher after your account anniversary when you have spent $2,500 or more. Terms Apply.
- No award redemption fee for the primary cardmember when you book an award ticket and use the card to pay the related taxes and fees, starting from $5.60 for a one-way ticket.
- Complimentary online FICO® credit score.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- MasterCard travel assistance services 24/7.
- Protection against forfeited, non-refundable payments and deposits if a trip is cancelled or interrupted for coverage reasons.
- Baggage delay insurance.
- Pros
- Sign-up bonus
- No award redemption fee
- 0% intro APR for 15 months on balance transfers
- Cons
- Has annual fee
- Has foreign transaction fees
Disney® Premier Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$49
$200
$989
We estimate as
- Card Details
- $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
- Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.
- Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
- Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
- Enjoy Cardmember-exclusive photo opportunities in private locations with Disney or Star Wars™ Characters. You'll receive downloads of your photos, too!
- Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
- Redeem Rewards Dollars toward most anything Disney and Star Wars™ at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more.
- Service & protection.
- 0% Promo APR for the first 6 months following the purchase date on select Disney vacation packages or purchase of a real estate interest.
- Pros
- $200 Disney Gift Card
- 10% savings on shopping
- Disney Perks
- High rate rewards
- Service & protection
- Cons
- Has annual fee
Capital One® QuicksilverOne® Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$39
$0
$963
We estimate as
- Card Details
- Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
- Rewards don't expire, and you can redeem your cash back for any amount, anytime.
- Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise.
- $39 Annual Fee.
- 26.99% variable APR for Purchases and Transfers.
- Platinum MasterCard® Benefits.
- No foreign transaction fee.
- Pros
- Unlimited Rewards
- No foreign transaction fees
- Cons
- Has annual fee
- High APR
Citi ThankYou® Preferred Card
This card earns ThankYou Points (not transferable)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$150
15,000 points
$942
We estimate as
- Card Details
- 0% introductory APR for 15 months on balance transfers and purchases.
- Earn 2 ThankYou® Points per $1 spent on dining out and entertainment, and 1 ThankYou® Point per $1 spent on all other purchases.
- 2,500 points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed from the ThankYou® Rewards collection.
- Unlimited ThankYou® Points with no expiration.
- No Annual Fee.
- Travel & Purchase protection.
- Pros
- 0% Intro APR for 12 months on balance transfers and purchases
- No Annual Fee
- Cons
- Needs excellent credit
Our Take
Citi ThankYou® Preferred Card has no annual fee and is therefore a simpler card than its Citi siblings.
Deserve® Pro Mastercard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$936
We estimate as
- Card Details
- 3% cash back on travel.
- 2% cash back on restaurants.
- 1% cash back on all purchases.
- No deposit required.
- $0 annual fee.
- No foreign transaction fee.
- Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits.
- Pros
- No annual fee
- 3% cash back
- No deposit required
- Cons
- No signup bonus
Cashback Rewards Plus American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$918
We estimate as
- Card Details
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
- Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
- Plus, unlimited 1% cash back on all other purchases. Terms Apply.
- No Annual Fee.
- No Foreign Transaction Fees.
- Special Benefits for Military.
- Security and Convenience.
- Pros
- Cash back rewards
- No Annual Fee
- No Foreign transaction fees
- Cons
- Good to excellent credit score required
- No signup bonus
City National Visa® Platinum Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
Points per $1 on all purchases per $ spent
$0
$0
$900
We estimate as
- Card Details
- Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.
- Use Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.
- There’s no cap on Points and your Points do not expire as long as your account remains open and the Rewards Program has not ended.
- Use your Visa Platinum Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.
- No annual fee.
- Combine Points from all of your City National business and personal credit cards that come with City National Rewards to earn premium Awards more quickly.
- Pros
- Low purchase APR
- No annual fee
- No cap on points earning and expiration
- Cons
- Has foreign transaction fee
Cash Rewards American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$900
We estimate as
- Card Details
- 3% cash back on gas on the first $6,000 in annual fuel spend.
- 2% cash back on supermarket net purchases.
- 1% cash back on other everyday net purchases.
- No limit on total cash back that you can earn, and you have five years to redeem cash back.
- No annual fee.
- No penalty APR.
- Intro 0% APR for the first 6 billing cycles on purchases and balance transfers.
- $25 cash back reward bonus after first purchase.
- Zero Fraud Liability.
- Pros
- 3% cash back
- No annual fee
- No penalty APR
- No limit on total cash back
- Intro 0% APR for the first 6 billing cycles
- Cons
- No signup bonus
Royal Caribbean® Visa Signature® Credit Card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$100
10,000 points
$892
We estimate as
- Card Details
- Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises and Azamara Club Cruises®.
- Plus, 1 MyCruise point per $1 on all other purchases. Terms Apply.
- No Annual Fee.
- No Foreign Transaction Fees.
- Get 10,000 MyCruise® points after making a transaction within the first 90 days of account opening - enough for a $100 onboard credit.
- $50 Air2Sea Airfare Discount after making at least $3,500 in purchases with your Visa Signature® card within the first 90 days of account opening (students and Platinum Plus® accounts are not eligible).
- Earn up to 540,000 points annually with a limit of 2,700,000 MyCruise Points over 5 years. Terms Apply.
- Redeem points for Royal Caribbean, Celebrity and Azamara onboard credits, stateroom upgrades, discounts, cruises and more.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- No Annual Fee
- No Foreign Transaction Fees
- Sign-up bonus
- Security & Benefits
- Cons
- Has interest charges
Carnival® World Mastercard® from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$100
10,000 points
$892
We estimate as
- Card Details
- Earn 10,000 bonus Funpoints after you use your card for the first time — that's enough to redeem for a credit of up to $100 toward your next cruise purchase on Carnival and the World's Leading Cruise Lines.
- Earn 2X FunPoints on Carnival Cruise Line and World's Leading Cruise Lines purchases.
- Earn 1X FunPoints on purchases everywhere else.
- No Annual Fee.
- No Foreign Transaction Fees.
- Earn a 10% ReFUNd when you book a Carnival shore excursion on carnival.com prior to your cruise.
- Protection against unauthorized use of card.
- Enjoy personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and more.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Pros
- No Annual Fee
- No Foreign Transaction Fees
- Sign-up bonus
- High rewards rate
- 0% intro APR for 15 months on balance transfers
- Cons
- Good to excellent credit score required
Princess Cruises Rewards Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$100
10,000 points
$892
We estimate as
- Card Details
- Earn 10,000 bonus points after you use your card for the first time - that's enough to redeem for a statement credit of up to $100 toward your next cruise purchase.
- 2X points on Princess purchases, and 1X points on all other purchases. Terms Apply.
- No Annual Fee.
- No Foreign transaction fees.
- Redeem points for cruise rewards, onboard credits, special on board amenities and discounted air fare.
- Free online access to FICO® Credit Score.
- Receive alerts when we learn that your score changes.
- Access to future credit line increase reviews.
- $0 Fraud Liability protection.
- Pros
- Sign-up bonus
- High rate of rewards
- No Annual Fee
- No Foreign transaction fees
- Cons
- Good to excellent credit score required
United MileagePlus® Club Card
This card earns Mileage Plus Miles (Mileage Plus program by United)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2.1%
1.5-2 miles per $1 spent
$450
$700
50,000 miles
$862
We estimate as
- Card Details
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. Terms apply.
- United ClubSM membership – up to a $550 value per year.
- Earn 2 miles per $1 spent on tickets purchased from United, and 1.5 miles per $1 spent on all other purchases. Terms apply.
- No miles limit or expiration as long as your credit card account is open.
- No foreign transaction fees.
- Free first and second checked bags – a savings of up to $240 per roundtrip.
- Travel & purchase coverage.
- Pros
- Sign-up bonus
- No foreign transaction fees
- Free first and second checked bags
- Travel & purchase coverage
- Cons
- Has annual fee
Our Take
If you are the owner of United MileagePlus® Club Card, you can access any United Club lounge for free, enjoy Premier access to travel services and never have to pay for checking your first two bags.
Mastercard® Titanium Card™
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
Points per $1 on all purchases per $ spent
$195
$0
$855
We estimate as
- Card Details
- Brushed Stainless Steel Card.
- 2% Value for Airfare Redemptions.
- 1% Value for Cash Back Redemptions.
- Enjoy 24/7 access to Luxury Card Concierge—a complete lifestyle management service tailored to your personal requirements.
- The Luxury Card Travel program offers competitive rates and complimentary benefits at over 3,000 properties across the globe. Cardmembers receive an average value of $500 in benefits and services per stay.
- Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Pros
- No penalty APR
- Brushed Stainless Steel Card
- 0% introductory APR for the first 15 billing cycles
- Cons
- High annual fee
- Excellent credit score required
Holland America Line Rewards Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$50
5,000 points
$842
We estimate as
- Card Details
- 2X points per $1 spent on all Holland America purchases including onboard purchases.
- Plus 1X point for every $1 spent on all other purchases everywhere Visa is accepted. Terms Apply.
- No Foreign transaction fees.
- No Annual Fee.
- Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit.
- Redeem points for discounts toward Holland America Cruises when you use your Holland America Visa to book the cruise.
- Also, redeem points for onboard amenities and credits, along with gift cards and merchandise.
- $0 Fraud Liability protection.
- Use points for statement credits toward airfare.
- 0% introductory APR for the first 15 billing cycles.
- Pros
- Sign-up bonus
- 0% intro APR for the first 15 billing cycles
- High rewards rate
- No Annual Fee
- No Foreign transaction fees
- Cons
- Good to excellent credit score required
Discover it® Secured
This card has no penalty APR
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
- Card Details
- It's a real credit card, not a prepaid or debit card. You can build a credit history with the three major credit bureaus.
- 1% cash back on every purchase. 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter.
- Your secured card requires a refundable security deposit. You choose your deposit amount (minimum $200) when you apply.
- Discover will review your credit card account monthly starting at seven months, to see if it's possible to return your security.
- Discover will automatically match all the cash back you've earned at the end of your first year on your credit card— only for new cardmembers.
- No annual fee.
- 24.99% standard variable purchase APR.
- Get your FICO ® Credit Score for free on monthly statements, on Discover mobile app or when you log in to your online account.
- Paying late won't raise your APR.
- Pros
- Leading rewards rate for secured cards
- 2% cash back
- No annual fee
- Free credit score
- Paying late won't raise your APR
- Cons
- Need credit check
- No signup bonus
Our Take
The Discover it® Secured Credit Card is one of the most appealing offering on the secured credit card market. Its rewards program may give you the taste of a traditional unsecured credit card. The possibility to upgrade together with zero annual fee allows you to keep this card as long as you need.
Discover it® Chrome Gas & Restaurants
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
- Card Details
- Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
- Plus, 1% cash back on all other purchases. Terms Apply.
- No annual fee.
- No penalty APR.
- Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
- No cash back expiration. Redeem your rewards in any amount, at any time.
- Free monthly access to FICO® Score.
- Freeze it® on/off switch option for your account protection.
- Fraud monitoring and protection.
- Pros
- High Cash Back rate
- No Annual Fee
- No Penalty APR
- 0% purchase intro APR
- FICO® Credit Score for free
- Cons
- Good to excellent credit score required
- No signup bonus
USAA Rewards™ Visa Signature® Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$0
$828
We estimate as
- Card Details
- Get 2,500 bonus points with your first purchase.
- Earn 2X points on dining and gas and 1X points on all other purchases.
- Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem easily for cash on your mobile device.
- No annual fee.
- No foreign transaction fees.
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals.
- Extend your manufacturer's or U.S. store-brand warranties.
- Pay no annual fee, no Penalty APR and no over-the-limit fees.
- Special Benefits for Military.
- Pros
- Sign-up bonus
- Reward points
- No Annual Fee
- No Foreign transaction fees
KC Royals™ Mastercard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
- Card Details
- 3% cash back on wireless providers and ride-sharing services.
- 2% cash back on gas and restaurants.
- 1% as back on all other purchases.
- 0% Intro APR for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 16.24% - 22.24% Variable APR.
- Unlimited Cash Back with no point caps & no opt-in.
- Redeem for Cash Back, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
- Discounted game tickets.
- Game day experiences and exclusive events.
- No Annual Fee.
- Zero Liability Coverage.
- Pros
- 3% cash back
- 0% purchase intro APR
- 0% balance transfere intro APR
- No annual fee
- Cons
- No signup bonus
Special Connections® MasterCard® with Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
- Card Details
- 3% cash back on wireless providers and ride-sharing services.
- 2% cash back on gas and restaurants.
- 1% as back on all other purchases.
- Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
- Low Introductory APR.
- No Annual Fee.
- Zero Liability Coverage.
- Pros
- No annual fee
- 3% cash back
- Low Introductory APR
- Cons
- No signup bonus
SunTrust Prime Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$100
$820
We estimate as
- Card Details
- 3 year introductory offer at Prime Rate (currently 5% variable APR) on balance transfers made in the first 60 days after account opening.
- 1% Unlimited Cash Back on all qualifying purchases.
- $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
- No annual fee.
- No foreign transaction fees.
- Pros
- 1% cash back
- No annual fee
- No foreign transaction fee
- Generous signup bonus
- 5% intro APR on balance transfers for the first 36 month
- Cons
- Good to excellent credit score required
Barnes & Noble Mastercard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$25
$817
We estimate as
- Card Details
- Earn a $25 Barnes & Noble Gift Card after your first purchase.
- Get 5% back on all Barnes & Noble purchases when you use your card at any Barnes & Noble store or online at bn.com.
- Earn 2x points for every $1 spent at restaurants (excluding Barnes & Noble Café purchases).
- Plus, earn 1x points for every $1 spent on all other purchases (excluding Barnes & Noble purchases). Terms Apply.
- No Annual Fee.
- Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points.
- Earn 12 months of Barnes & Noble Membership after spending $7,500/year on eligible purchases.
- Free online FICO® Credit Score access.
- $0 Fraud Liability protection.
- 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, 15.99% or 26.99%, based on your creditworthiness, Variable.
- Pros
- No Annual Fee
- High rate of rewards
- Sign-up bonus
- 0% intro APR for 15 months on balance transfers
- Security & Benefits
- Cons
- Has interest charges
Diamond Resorts International® MasterCard® from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$25
2,500 points
$817
We estimate as
- Card Details
- 2,500 bonus Diamond Plus Points™ after your first purchase.
- Earn 2X Diamond Plus Points on Diamond Resorts purchases.
- Plus, 1X Diamond Plus Points™ on everyday purchases. Terms Apply.
- No Annual Fee.
- Earn 500 Diamond Plus Points™ for every $2,000 in spend (excluding down payments).
- Enjoy a 0% promotional APR for 6 months on any Diamond Vacation Ownership interest down payment. After that, a variable APR of 16.99%, 21.99% or 26.99% depending on your creditworthiness.
- Redeem points for statement credits toward Diamond Resorts International Purchases, plus airfare and car rental purchases of $50 or more made within the last 120 days.
- Protection against unauthorized use of card.
- Chip card technology.
- Pros
- No Annual Fee
- Sign-up bonus
- Low promo APR
- No Penalty APR
- Cons
- Has foreign transaction fees
RCI Elite Rewards® MasterCard® from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$25
2,500 points
$817
We estimate as
- Card Details
- Earn 2,500 bonus rewards after your first purchase.
- 2X rewards on every $1 you spend on eligible RCI purchases, and 1X rewards for every $1 you spend on qualified purchases elsewhere. Terms Apply.
- Use rewards for worldwide travel including flights, hotels, car rentals and more.
- No Annual Fee.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Use rewards to earn RCI Resort Dollars® cards good for onsite activites and other expenses.
- Redeem for RCI Member Rewards® credits. Use toward exchange fees and RCI subscribing membership renewals.
- $0 Fraud Liability protection.
- Concierge service with personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.
- Pros
- Sign-up bonus
- No Annual Fee
- $0 Fraud Liability protection
- Cons
- Good to excellent credit score required
Barclaycard Visa® with Apple Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$0
$0
$792
We estimate as
- Card Details
- Earn 3X points per $1 on purchases made at Apple, 2X points per $1 on restaurants, 1X point on all other purchases. Terms Apply.
- Special financing for up to 18 months on finance purchases made at Apple within the first 30 days of account opening. Terms Apply.
- Redeem for Apple Store or iTunes gift cards for every 2,500 points you earn, receive a $25 Apple Store or iTunes gift card.
- No Annual Fee.
- Protection against unauthorized use of card.
- Customer service assistance with lost and stolen card reporting 24/7.
- Pros
- High rewards rate
- No Annual Fee
- Cons
- Good to excellent credit score required
Disney® Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$50
$770
We estimate as
- Card Details
- $50 Disney Gift Card after first purchase with the credit card.
- Earn 1% on all card purchases with no limits to the amount you can earn.
- No Annual Fee.
- Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
- Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
- Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 16.74%.
- Redeem Rewards Dollars toward most anything Disney, including Theme Park tickets, Resort stays, shopping, dining, movies and more.
- Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
- Service & protection.
- Pros
- $50 Disney Gift Card
- 1% in Disney Rewards Dollars
- 10% savings on shopping
- No Annual Fee
- Disney Perks
- Cons
- Has foreign transaction fee
Charity Charge World Mastercard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$0
$720
We estimate as
- Card Details
- 1% Cash Back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
- Support up to 3 causes at a time and change them whenever you want.
- Tax deductible donations.
- Low Introductory APR.
- No Annual Fee.
- World Mastercard benefits such as Extended Warranty, Mastercard ID Theft ProtectionTM and Price Protection.
- Zero Liability Coverage.
- Pros
- 1% cash back
- Low Intro APR
- No annual fee
- Cons
- No signup bonus
Platinum Delta SkyMiles® Credit Card
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$195
$420
35,000 miles
$699
We estimate as
- Card Details
- Earn 35,000 Bonus Miles and 5,000 Medallion® Qualification Miles(MQMs) after spending $1,000 in purchases on your new Card in your first 3 months.
- In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- No Foreign Transaction Fees.
- Earn 2X miles on every $1 spent on purchases made directly with Delta. Earn 1X mile for every $1 spent on all other eligible purchases. Terms Apply.
- Redeemable miles toward travel on Delta and more than 15 airline partners.
- Check your first bag for free on every Delta flight.
- With Miles Boost®, you can earn 10,000 bonus miles and 10,000 MQMs after you spend $25,000 or more in eligible purchases on the Card in a calendar year. Terms Apply.
- Earn an additional 10,000 bonus miles and 10,000 MQMs after you spend $50,000 in eligible purchases on the Card in a Calendar year for a total of 20,000 bonus miles and 20,000 MQMs.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
- 24/7 available Concierge service as a personal resource for restaurant selection, upcoming special event and much more.
- Pros
- Generous signup bonus
- No foreign transaction fee
- High rewards rate
- Cons
- Has annual fee
SkyBlue SKYPASS Visa® Card
This card earns SKYPASS Miles (SKYPASS program by Korean Air)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.85%
Miles per $1 on all purchases per $ spent
$0
$85
5,000 miles
$697
We estimate as
- Card Details
- 5,000 SKYPASS Bonus Miles after your first purchase. Terms apply.
- Earn 1 mile for every $2 you spend in eligible net purchases.
- No annual fee.
- $250,000 in Travel Accident Insurance.
- Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners.
- Worldwide acceptance and easy cash access.
- No cap on miles you can earn.
- SKYPASS Visa card purchases help you reach and maintain Morning Calm Club membership.
- Bilingual customer service available.
- Pros
- Sign-up bonus
- No annual fee
- Available for fair credit
Celebrity Cruises® Visa Signature® Credit Card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
1-2 points per $1 spent
$69
$100
10,000 points
$685
We estimate as
- Card Details
- Earn 2 MyCruise® points for every $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean® and Azamara Club Cruises®.
- Plus, 1 MyCruise point per $1 on all other purchases. Terms Apply.
- No foreign transaction fees for non-US transactions.
- Get 10,000 MyCruise points after making a transaction within the first 90 days of account opening - enough for a $100 onboard credit.
- $50 FLIGHTS by CelebritySM Airfare Discount upon approval (students not eligible).
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- Earn MyCruise® points
- No Foreign Transaction Fees
- Sign-up bonus
- Airfare discount
- Cons
- Has annual fee
Spirit Airlines™ World Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.8%
Miles per $1 on all purchases per $ spent
$59
waived first year
$60
15,000 miles
$518
We estimate as
- Card Details
- 15,000 bonus miles after your first purchase + 15,000 bonus miles after making at least $500 in purchases within 90 days of your account opening.
- $0 Intro Fee for the first year; after that, Annual Fee will be $59.
- Earn Double Miles on your everyday purchases – that's 2 miles for every $1.
- Receive preferred boarding and domestic priority check-in where available. Along with no blackout dates on award tickets.
- 5,000 anniversary bonus Free Spirit™ miles when you spend at least $10,000 in purchases annually.
- Enjoy an Introductory annual fee of $0 for the first year; a $59 fee will apply to World MasterCard® accounts thereafter.
- Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
- Free monthly access to FICO® Score.
- Pros
- High rewards rate
- Sign-up and anniversary bonuses
- $0 Intro annual fee for the first year
- Free monthly access to FICO® Score
- Cons
- Has interest charges
Radisson RewardsTM Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.4%
1-3 points per $1 spent
$0
$120
30,000 points
$466
We estimate as
- Card Details
- Up to 30,000 Bonus Gold Points – after you spend $1,000 on your card within the first 90 days.
- 3 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
- 1 point per $1 spent in eligible net purchases everywhere else. Terms Apply.
- Earn one free night when you charge $10,000 each year on your card.
- Zero Fraud Liability Protection.
- Travel & Emergency Assistance Services.
- Auto Rental Collision Damage Waiver.
- Warranty Manager.
- Pros
- Sign-up bonus
- High rewards rate
- No Annual Fee
- Available for those who want to rebuild credit
- Cons
- High APR
Citi® / AAdvantage® Executive World Elite™ Mastercard®
This card earns AAdvantage Miles (AAdvantage program by American Airlines)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.4%
1-2 miles per $1 spent
$450
$700
50,000 miles
$358
We estimate as
- Card Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases.
- Admirals Club® membership for you and guests with you.
- No Foreign Transaction Fees.
- You will earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year.
- First Checked Bag Free.
- Receive a 25% savings on eligible in–flight purchases on American Airlines flights.
- Travel & Purchase protection.
- Citi® Cards with Apple Pay®.
- Pros
- Sign-up bonus
- Double Miles on American Airlines Purchases
- No Foreign Transaction Fees
- First Checked Bag Free
- Admirals Club® Membership
- Cons
- Needs excellent credit
Our Take
Get high-end benefits from the Citi AAdvantage Executive World Elite Mastercard. It’s a co-branded rewards credit card designed for American Airlines frequent flyers. If you fly on American Airlines-operated flights several times a month, this card definitely has something valuable to offer.
Aeromexico Visa® Card
This card earns Premier Points (Club Premier program by Aeroméxico)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.4%
1-2 miles per $1 spent
$45
$40
10,000 miles
$279
We estimate as
- Card Details
- Receive 10,000 bonus miles after your first card use plus Complimentary Companion Certificate.
- 2X Miles on Gas & Groceries.
- 2X Miles on Aeromexico ticket purchases and Aeromexico Vacations. Terms Apply.
- 1 Club Premier Mile per net $1 spent. Terms Apply.
- 2,000 Annual Bonus Miles plus $99 Companion Certificate with credit card renewal.
- Buy three tickets and get the 4th free (applicable taxes, fees and surcharges apply).
- Complimentary Baggage.
- Zero Fraud Liability.
- Fraud Protection.
- Pros
- Sign-up and annual bonuses
- High rewards rate
- Cons
- Has annual fee
Citi Prestige® Card
This card earns ThankYou Points (Citi ThankYou program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.7%
1-3 points per $1 spent
$450
$0
$241
We estimate as
- Card Details
- 3X points on Air Travel and Hotels, 2X points on Dining at Restaurants and Entertainment and 1 ThankYou® Point per $1 spent on other purchases.
- Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com or the Citi Prestige Concierge.
- No Foreign Transaction Fees.
- Each year a $250 Air Travel Credit will automatically be applied to flight-related expenses charged to your card, including airline tickets, baggage fees, upgrades and more.
- Points are redeemable for flights on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or gift cards redeemed from the ThankYou® Rewards collection.
- Points Transfer allows you to transfer your qualifying and available ThankYou® Points to airline and hotel loyalty programs.
- Travel & Purchase protection.
- Pros
- No Foreign Transaction Fees
- High rate of rewards
- Cons
- Needs excellent credit
- Has annual fee
Our Take
A travel credit card should match your lifestyle and not the other way around. Which means that the Citi Prestige® Card is a good fit for someone who flies frequently, books longer stays, and finds it absolutely necessary to up the comfort of airport visits.
Aeromexico Visa Signature® Card
This card earns Premier Points (Club Premier program by Aeroméxico)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.4%
1-2 miles per $1 spent
$80
$60
15,000 miles
$166
We estimate as
- Card Details
- 15,000 First Use Bonus Miles plus Complimentary Companion Certificate.
- 4,000 Annual Bonus Miles plus $99 Companion Certificate with credit card renewal.
- 2X Miles on Gas & Groceries.
- Double Miles on Aeromexico ticket purchases.
- 1 Club Premier Mile per net $1 spent with your AeroMexico credit card. Terms Apply.
- Buy three tickets and get the 4th free (applicable taxes, fees and surcharges apply).
- 1 Free Upgrade per year.
- Complimentary Baggage.
- No Preset Spending Limit.
- Premium offers and Special dining privileges.
- Pros
- High rewards rate
- Sign-up and annual bonuses
- Cons
- Has annual fee
Delta Reserve® Credit Card
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$450
$480
40,000 miles
$0
We estimate as
- Card Details
- Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
- Earn 2 miles on every $1 spent on purchases made directly with Delta. Earn 1 mile for every $1 spent on all other eligible purchases. Terms Apply.
- No Foreign Transaction Fees.
- Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 on purchases on your Delta Reserve Credit Card in a calendar year.
- Plus, earn an additional 15,000 MQMs and an additional 15,000 bonus miles after you spend $60,000 on eligible purchases on your Delta Reserve Card in a calendar year.
- Get complimentary access to Delta Sky Club® and a discounted rate for up to two guests.
- The annual fee for the Delta Reserve Credit Card is $450. Each Additional Delta Reserve Credit Card is $175.
- Pros
- Generous signup bonus
- No Foreign Transaction Fees
- Cons
- Has annual fees
Mastercard® Black Card™
This card earns Barclay Reward Points (Barclay Premier Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
Points per $1 on all purchases per $ spent
$495
$0
$0
We estimate as
- Card Details
- 2% Value for Airfare Redemptions.
- 1.5% Value for Cash Back Redemptions.
- Stainless Steel Card.
- Enjoy 24/7 access to Luxury Card Concierge—a complete lifestyle management service tailored to your personal requirements.
- The Luxury Card Travel program offers competitive rates and complimentary benefits at over 3,000 properties across the globe. Cardmembers receive an average value of $500 in benefits and services per stay.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- $100 Annual Airline Credit Toward Qualifying Airline Purchases.
- $100 Global Entry Application Fee Credit.
- Cardmembers receive Luxury Gifts from some of the world's most iconic and recognized brand names.
- Enjoy complimentary access to more than 1,000 lounges in over 500 cities worldwide.
- Pros
- High redemption rate
- Luxury perks and benefits
- 0% intro APR for the first 15 billing cycles
- Cons
- High annual fee
- Excellent credit score required
Mastercard® Gold Card™
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
Points per $1 on all purchases per $ spent
$995
$0
$0
We estimate as
- Card Details
- 2% Value for Airfare Redemptions.
- 2% Value for Cash Back Redemptions.
- Enjoy 24/7 access to Luxury Card Concierge—a complete lifestyle management service tailored to your personal requirements.
- 24K-Gold-Plated Card.
- 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- The Luxury Card Travel program offers competitive rates and complimentary benefits at over 3,000 properties across the globe. Cardmembers receive an average value of $500 in benefits and services per stay.
- $200 Annual Airline Credit Toward Qualifying Airline Purchases.
- $100 Global Entry Application Fee Credit.
- Enjoy complimentary access to more than 1,000 lounges in over 500 cities worldwide.
- Cardmembers receive Luxury Gifts from some of the world's most iconic and recognized brand names.
- Pros
- No penalty APR
- 24K-Gold-Plated Card
- Luxuty perks and benefits
- 0% introductory APR for the first 15 billing cycles
- Cons
- High annual fee
- Excellent credit score required