credit card stack
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This page rounds up the best credit cards for points and miles, organized by issuer and by use case. Every card here also carries a strong current sign-up bonus, so you are not trading a good welcome offer for a good fit.

Best American Express Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for frequent Marriott guests who want automatic Platinum Elite status, a high-value annual free night, and Priority Pass lounge access
4
★★★★★
★★★★★
Best for frequent Marriott guests who want automatic Platinum Elite status, a high-value annual free night, and Priority Pass lounge access
Up to 150,000 Bonus Points Earn 100,000 bonus points after spending $6,000 in the first 6 months, plus 50,000 more after spending $2,000 more for a total of $8,000 in the first 6 months.
$1,800
welcome value
$600
/yr ongoing
6x Bonvoy points at Marriott properties
3x at U.S. restaurants and direct flights
2x on all other purchases
Automatic Marriott Bonvoy Platinum Elite status
Annual Free Night Award (up to 85,000 points) each account anniversary
$300 annual Brilliant Dining Credit ($25/month at restaurants worldwide)
Priority Pass Select lounge membership
25 elite night credits toward Titanium status
Up to $100 on-property Marriott dining credit
$650
4
★★★★★
★★★★★
Best for frequent travelers who will use most of the stacked credits
4
★★★★★
★★★★★
Best for frequent travelers who will use most of the stacked credits
As High As 175,000 Membership Rewards Points Earn as high as 175,000 Membership Rewards points after you spend $12,000 on your new Card within the first 6 months. Welcome offers vary.
$5,000
welcome value
$1,500
/yr ongoing
5X points on flights booked direct or via Amex Travel (up to $500k/year)
5X points on prepaid hotels via Amex Travel
Global Lounge Collection: Centurion, Priority Pass, 10 Delta Sky Club visits
$600 hotel credit (FHR + Hotel Collection, $300 semi-annually)
$200 airline fee credit
$400 Resy dining credit ($100/quarter)
$200 Uber Cash + $120 Uber One credit
$895
4.3
★★★★★
★★★★★
Best for dining and grocery spenders who can use multiple monthly statement credits
4.3
★★★★★
★★★★★
Best for dining and grocery spenders who can use multiple monthly statement credits
Up to 100,000 Membership Rewards points Earn up to 100,000 Membership Rewards points after $8,000 in purchases within the first 6 months of Card Membership. Welcome offer amount varies by applicant.
$2,424
welcome value
$424
/yr ongoing
Up to 100,000 Membership Rewards points after $8,000 in 6 months
4x points at restaurants worldwide and U.S. supermarkets
$120 annual dining credit ($10/month at select merchants)
$120 annual Uber Cash ($10/month)
$100 annual Resy credit ($50 semi-annually)
$84 annual Dunkin' credit ($7/month)
$325
4
★★★★★
★★★★★
Best for business owners whose top two spend categories align with the eligible 4x list and who can use the ChatGPT and Squarespace credits
4
★★★★★
★★★★★
Best for business owners whose top two spend categories align with the eligible 4x list and who can use the ChatGPT and Squarespace credits
Up to 200,000 Membership Rewards points Earn up to 200,000 Membership Rewards points after $15,000 in purchases within the first 3 months of Card Membership. Welcome offer amount varies by applicant.
$4,845
welcome value
$845
/yr ongoing
Up to 200,000 Membership Rewards points after $15,000 in 3 months
4x points in your top two eligible spend categories each month (up to $150,000 combined per year)
3x points on flights and prepaid hotels booked through AmexTravel.com
Up to $845 in annual business credits across ChatGPT, Squarespace, Walmart+, FedEx, Grubhub, and office supply stores
Cell phone protection up to $800 per claim
$375
Best for Hilton Loyalists
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
175,000 points Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
$2,075
welcome value
$1,200
/yr ongoing
Complimentary Diamond status with no spend requirement
Up to $400 in annual Hilton Resort Credits ($200 semi-annually)
Up to $200 in annual flight credits ($50 per quarter)
Annual Free Night Reward at any Hilton portfolio property (~$250)
Up to $209 annually toward a CLEAR+ membership
$550
Best for Business Travelers
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
300,000 Membership Rewards Points You may be eligible for as high as 300,000 Membership Rewards Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for this offer.
$8,000
welcome value
$2,000
/yr ongoing
5x points on flights and prepaid hotels booked through AmexTravel.com
35% points back when using Pay with Points on flights through Amex Travel with your selected airline
Access to over 1,550 airport lounges worldwide including Centurion Lounges and Priority Pass
Up to $1,150 in annual Dell Technologies credits
Up to $360 in annual Indeed credits for U.S. hiring spend
$895
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Best Bank of America Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
3.5
★★★★★
★★★★★
Best for Bank of America Preferred Rewards members who want lounge access and stacked annual credits alongside elevated earning rates
3.5
★★★★★
★★★★★
Best for Bank of America Preferred Rewards members who want lounge access and stacked annual credits alongside elevated earning rates
75,000 Bonus Points Earn 75,000 bonus points -- a $750 value -- after spending $5,000 in the first 90 days from account opening.
$1,375
welcome value
$625
/yr ongoing
2x on travel and dining
1.5x on all other purchases
$300 annual airline incidental credit
$150 annual lifestyle credit (streaming, fitness, food delivery)
Priority Pass Select lounge membership
$100 Global Entry/TSA PreCheck credit every 4 years
Up to 75% more points with Preferred Rewards status
$550
3.5
★★★★★
★★★★★
Best for existing Bank of America or Merrill customers who qualify for Preferred Rewards and want a simple travel card
3.5
★★★★★
★★★★★
Best for existing Bank of America or Merrill customers who qualify for Preferred Rewards and want a simple travel card
60,000 Bonus Points Earn 60,000 bonus points -- a $600 value -- after spending $4,000 in the first 90 days from account opening.
$825
welcome value
$225
/yr ongoing
2x on travel and dining
1.5x on all other purchases
$100 annual airline incidental credit
$100 Global Entry/TSA PreCheck credit every 4 years
Up to 75% more points with Preferred Rewards status
No foreign transaction fees
$95
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
100,000 bonus points + 25K Global Companion Award + 50% flight discount Earn 100,000 bonus points and a 25,000-point Global Companion Award after $6,500 in purchases within the first 90 days of account opening.
$2,364
welcome value
$800
/yr ongoing
100,000 bonus points + 25K Global Companion Award after $6,500 in 90 days
Annual 25K Global Companion Award every account anniversary
8 Alaska Lounge passes and 8 Wi-Fi passes per year (2 of each per quarter)
Free checked bag for you and up to 6 guests on the same reservation
3x points on dining, foreign transactions, and Alaska and Hawaiian Airlines purchases
$395
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
80,000 bonus points + $99 Companion Fare Earn 80,000 bonus points and a $99 Companion Fare after $5,000 in purchases within the first 90 days of account opening.
$1,470
welcome value
$370
/yr ongoing
80,000 bonus points + $99 companion fare after $5,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for any cardholder and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
2x points on gas, EV charging, shipping, and local transit
95
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
50,000 bonus points + $0 Companion Fare Earn 50,000 bonus points and a $0 Companion Fare after $2,000 in purchases within the first 90 days of account opening.
$900
welcome value
270
/yr ongoing
50,000 bonus points + $0 companion fare after $2,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for you and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
20% back on inflight food, beverage, and Wi-Fi
$95

Best Chase Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and want premium lounge access with transferable Ultimate Rewards points
4
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and want premium lounge access with transferable Ultimate Rewards points
200,000 Bonus Points Earn 200,000 bonus points after spending $30,000 on purchases in the first 3 months from account opening.
$5,450
welcome value
$1,450
/yr ongoing
8x on Chase Travel including The Edit
4x on flights and hotels booked direct
3x on dining worldwide
$300 annual travel credit (auto-applies to any travel purchase)
Chase Sapphire Lounge access plus Priority Pass
Transfer points 1:1 to Hyatt, United, Air France, British Airways and more
$500 in hotel credits at The Edit ($250 semi-annually)
$300 dining credit at Sapphire Reserve Exclusive Tables on OpenTable
1:1 Hyatt transfer retained
$795
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
1.5% on every purchase with no cap or category tracking
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
No annual fee
No foreign transaction fees
$0
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
5% at office supply stores and on internet/cable/phone services (up to $25,000/year)
2% at gas stations and restaurants (up to $25,000/year)
1% on all other purchases
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
Cell phone protection up to $1,000 per claim when paying monthly bill with the card
No annual fee
$0
4.5
★★★★★
★★★★★
Best for small business owners who spend on travel, shipping, advertising, and phone services and want to maximize transferable Ultimate Rewards points
4.5
★★★★★
★★★★★
Best for small business owners who spend on travel, shipping, advertising, and phone services and want to maximize transferable Ultimate Rewards points
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
3x on travel, shipping, internet/cable/phone, and advertising on social media and search engines (up to $150,000/year combined)
1x on all other purchases
100,000-point welcome offer -- one of the best in the business card category
Transfer points 1:1 to Hyatt, United, Air France, British Airways, and more
Cell phone protection up to $1,000 per claim when you pay your bill with the card
No foreign transaction fees
$95
4
★★★★★
★★★★★
Best for frequent United flyers who want more earning power and annual credits than the Explorer without committing to full Club Infinite membership
4
★★★★★
★★★★★
Best for frequent United flyers who want more earning power and annual credits than the Explorer without committing to full Club Infinite membership
100,000 Bonus Miles Earn 100,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening.
$1,635
welcome value
$435
/yr ongoing
3x on United purchases
2x on dining, hotels, and other travel purchases
1x on all other purchases
Two 5,000-mile anniversary award credits each year (10,000 miles total)
$125 annual United purchase credit
Two United Club one-time passes each year
Free first and second checked bags on domestic United itineraries
25% inflight savings on food and beverages
500 PQP for every $12,000 spent (up to 3,000 PQP per year)
$120 Global Entry/TSA PreCheck credit every 4 years
$350
4
★★★★★
★★★★★
Best for frequent Southwest flyers working toward the Companion Pass who want the airline's premium perks
4
★★★★★
★★★★★
Best for frequent Southwest flyers working toward the Companion Pass who want the airline's premium perks
90,000 Bonus Points Earn 90,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
$1,470
welcome value
$390
/yr ongoing
4x on Southwest purchases
2x on gas stations and restaurants
1x on all other purchases
7,500 anniversary bonus points each year
Free first checked bag for you and up to 8 companions
Preferred seat selection at booking for you and up to 8 passengers
Unlimited Extra Legroom upgrades within 48 hours when available
Group 5 early boarding
10% annual flight discount code
2,500 TQPs per $5,000 toward A-List status
All points count toward Companion Pass
$229
4
★★★★★
★★★★★
Best for frequent United flyers who want unlimited United Club lounge access and premium travel benefits
4
★★★★★
★★★★★
Best for frequent United flyers who want unlimited United Club lounge access and premium travel benefits
Up to 90,000 Bonus Miles Earn 80,000 bonus miles after spending $5,000 in the first 3 months, plus 10,000 miles after adding an authorized user in the first 3 months.
$2,040
welcome value
$960
/yr ongoing
4x on United purchases
2x on other travel and dining
Full United Club membership -- unlimited access for primary cardholder and one adult guest or immediate family when cardholder is present
Free first and second checked bags on domestic UA itineraries
Premier Access: check-in, security where available, and boarding priority
25% inflight savings on food and beverages
$120 Instacart credits ($10/month) through Dec 2027
1,500 PQP bonus toward Premier status each year
Avis President Club and IHG Platinum status
$695
4
★★★★★
★★★★★
Best for United flyers who check bags and want lounge day passes without paying for full United Club membership
4
★★★★★
★★★★★
Best for United flyers who check bags and want lounge day passes without paying for full United Club membership
Up to 80,000 Bonus Miles Earn 80,000 bonus miles after spending $3,000 in the first 3 months, plus $0 annual fee the first year.
$1,255
welcome value
$295
/yr ongoing
9x total on eligible United flights (6x as MileagePlus member + 3x from card)
2x on hotel stays booked directly
2x on dining and eligible delivery
Free first checked bag for you and one companion on domestic UA itineraries
2 annual United Club one-time passes
Priority boarding Group 2
10,000-mile award flight discount annually
$120 Instacart credits ($10/month) through Dec 2027
$120 Global Entry/TSA PreCheck every 4 years
$0 intro annual fee first year
$150
3.5
★★★★★
★★★★★
Best for Marriott loyalists who stay at Marriott properties 2-3 times per year and want an annual free night certificate
3.5
★★★★★
★★★★★
Best for Marriott loyalists who stay at Marriott properties 2-3 times per year and want an annual free night certificate
125,000 Bonus Points plus 1 Free Night Award Earn 125,000 bonus points plus 1 Free Night Award (up to 50,000 points) after spending $3,000 in the first 3 months from account opening.
$1,100
welcome value
$100
/yr ongoing
6x Bonvoy points at Marriott properties
3x on grocery stores, gas, and dining up to $6,000/year then 2x
2x on all other purchases
Annual free night (up to 35,000 points) with ability to top up to 60,000 points
Automatic Silver Elite status and 15 elite night credits each year
$100 airline incidental credit in 2026 ($50 semi-annually after $250 in airline purchases)
Up to 17x total at Marriott stacking member and status points
$95
4.5
★★★★★
★★★★★
Best for travelers who stay at IHG properties including Holiday Inn, Kimpton, InterContinental, and Crowne Plaza at least once a year
4.5
★★★★★
★★★★★
Best for travelers who stay at IHG properties including Holiday Inn, Kimpton, InterContinental, and Crowne Plaza at least once a year
Up to 185,000 Bonus Points Earn 150,000 bonus points after spending $3,000 in the first 3 months, plus 35,000 more after spending $6,000 total in the first 6 months. Offer ends June 25, 2026.
$1,115
welcome value
$190
/yr ongoing
Up to 26x total on IHG stays (10x from card + 10x as member + 6x from Platinum Elite)
5x on travel, gas, and restaurants
3x on all other purchases
Anniversary free night (up to 40,000 points) each account anniversary
Fourth Reward Night Free on points stays of 4+ nights
Automatic IHG Platinum Elite status
$50 annual United TravelBank Cash
$120 Global Entry/TSA PreCheck or NEXUS every 4 years
$100 statement credit and 10,000 bonus points after $20,000 annual spend
$99
4
★★★★★
★★★★★
Best for Chase cardholders who want to maximize points on everyday spending with no annual fee
4
★★★★★
★★★★★
Best for Chase cardholders who want to maximize points on everyday spending with no annual fee
$200 Cash Back Bonus Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$400
welcome value
$0
/yr ongoing
5% on Chase Travel
3% on dining and drugstores
1.5% on all other purchases uncapped
Pairs with Sapphire cards to unlock point transfers
No annual fee
0% intro APR for 15 months on purchases and balance transfers
$0
4.5
★★★★★
★★★★★
Best for travelers new to points who want flexible redemption and strong transfer partners
4.5
★★★★★
★★★★★
Best for travelers new to points who want flexible redemption and strong transfer partners
100,000 Bonus Points Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$2,256
welcome value
$256
/yr ongoing
5x on Chase Travel
3x on dining, online groceries, streaming, gas and EV, and vacation homes
$100 annual Chase Travel hotel credit
$120 Global Entry/TSA PreCheck credit every 4 years
1 year Apple TV (activate by 12/31/26)
Complimentary DashPass
Transfer to Hyatt, United, Air France, British Airways and more
$95
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
60,000 bonus points Earn 60,000 bonus points after $5,000 in purchases within the first 3 months of account opening.
$1,400
welcome value
$200
/yr ongoing
60,000 bonus points after $5,000 in purchases in the first 3 months
Up to $100 in annual Hyatt statement credits ($50 per qualifying transaction, twice per year)
Automatic Discoverist status plus 5 Discoverist Upgrade Awards to gift to employees
2x points in your top three spend categories each quarter from a list of eight
5 qualifying night credits for every $10,000 in purchases each calendar year
$199
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
Up to 60,000 bonus points Earn 30,000 bonus points after $3,000 in purchases in the first 3 months, plus up to 30,000 more points by earning 2x on 1x purchases up to $15,000 spent in the first 6 months.
$1,400
welcome value
$200
/yr ongoing
Up to 60,000 bonus points after meeting tiered spend requirements
Annual free night at any Category 1-4 Hyatt property
Automatic World of Hyatt Discoverist status while the card is open
5 qualifying night credits toward status each calendar year
Up to 9x total points per $1 at Hyatt hotels
$95
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Best Citi Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for frequent American Airlines travelers who want Admirals Club access and fast-track to elite status
4
★★★★★
★★★★★
Best for frequent American Airlines travelers who want Admirals Club access and fast-track to elite status
100,000 AAdvantage Miles Earn 100,000 American Airlines AAdvantage bonus miles after spending $7,000 in the first 3 months from account opening.
$2,220
welcome value
$720
/yr ongoing
4x on eligible AA purchases (5x after $150,000 calendar year spend)
10x on eligible AAdvantage Hotels and Car bookings
Full Admirals Club membership for primary cardmember and up to 2 guests
First checked bag free on domestic AA itineraries
$120 Lyft credits ($10/month after 3 rides)
$120 Grubhub credits ($10/month)
$120 Avis/Budget car rental credits
$120 Global Entry/TSA PreCheck every 4 years
$595
4
★★★★★
★★★★★
Best for AA flyers who want lounge day passes and companion travel benefits without paying for full Admirals Club membership
4
★★★★★
★★★★★
Best for AA flyers who want lounge day passes and companion travel benefits without paying for full Admirals Club membership
90,000 AAdvantage Miles For a limited time, earn 90,000 American Airlines AAdvantage bonus miles after spending $5,000 on purchases in the first 4 months from account opening.
$1,890
welcome value
$540
/yr ongoing
6x on eligible AAdvantage Hotels bookings
2x on eligible Rides and Rails (rideshares, taxis, public transit)
4 Admirals Club Globe Passes each calendar year
Companion Certificate annually (domestic Main Cabin after renewal)
$100 annual inflight credit on AA flights
$100 annual Splurge Credit at select brands
$120 Global Entry/TSA PreCheck every 4 years
Flight Streak: 5,000 Loyalty Points after every 4 qualifying AA flights (up to 15,000/year)
$350
3.5
★★★★★
★★★★★
Best for American Airlines flyers who check bags and fly 3-10 times a year
3.5
★★★★★
★★★★★
Best for American Airlines flyers who check bags and fly 3-10 times a year
50,000 AAdvantage Miles Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months from account opening.
$1,090
welcome value
$340
/yr ongoing
2x on eligible AA purchases, restaurants, and gas stations
First checked bag free for you and up to 4 companions on domestic AA reservations
Preferred boarding on American Airlines
$125 AA flight discount after $20,000 spend in a cardmember year
25% savings on inflight food and beverage on AA flights
Earn Loyalty Points toward AAdvantage status
$99

Best Capital One Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4.5
★★★★★
★★★★★
Best for business owners who want premium lounge access and a simple flat-rate earning structure with a manageable annual fee
4.5
★★★★★
★★★★★
Best for business owners who want premium lounge access and a simple flat-rate earning structure with a manageable annual fee
100,000 Bonus Miles Earn 100,000 bonus miles after spending $10,000 on purchases in the first 3 months from account opening.
$1,900
welcome value
$400
/yr ongoing
10x on hotels and rental cars through Capital One Travel
5x on flights through Capital One Travel
2x on all other purchases uncapped
$300 annual Capital One Travel credit
10,000 anniversary bonus miles each year ($100 value)
Capital One Lounges and 1,300+ Priority Pass lounges
$120 Global Entry/TSA PreCheck credit every 4 years
No preset spending limit on eligible purchases
No foreign transaction fees
$395
4
★★★★★
★★★★★
Best for travelers who want simple flat-rate earning and flexible redemption without a high annual fee
4
★★★★★
★★★★★
Best for travelers who want simple flat-rate earning and flexible redemption without a high annual fee
75,000 Bonus Miles Earn 75,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.
$1,245
welcome value
$120
/yr ongoing
5x on hotels and rental cars through Capital One Travel
2x on all other purchases uncapped
Redeem miles against any travel purchase in last 90 days
Transfer to 15+ airline and hotel partners
$120 Global Entry/TSA PreCheck credit every 4 years
No foreign transaction fees
$95
4.5
★★★★★
★★★★★
Best for travelers who want premium lounge access and a simple earning structure at a lower annual fee than competitors
4.5
★★★★★
★★★★★
Best for travelers who want premium lounge access and a simple earning structure at a lower annual fee than competitors
75,000 Bonus Miles Earn 75,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.
$1,525
welcome value
$400
/yr ongoing
10x on hotels and rental cars through Capital One Travel
5x on flights and vacation rentals through Capital One Travel
2x on all other purchases uncapped
$300 annual Capital One Travel credit
10,000 anniversary bonus miles each year ($100 value)
Capital One Lounges and 1,300+ Priority Pass lounges
$120 Global Entry/TSA PreCheck credit every 4 years
Hertz President Circle status
$395

Best Barclays Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for frequent JetBlue flyers who want automatic Mosaic 2 status and a companion certificate without earning through flying
4
★★★★★
★★★★★
Best for frequent JetBlue flyers who want automatic Mosaic 2 status and a companion certificate without earning through flying
100,000 Bonus Points Earn 100,000 bonus points after spending $5,000 on purchases and paying the $499 annual fee within the first 90 days.
$1,700
welcome value
$400
/yr ongoing
9x TrueBlue points on JetBlue purchases
3x at restaurants and grocery stores
1x on all other purchases
Automatic Mosaic 2 status
Annual companion certificate (one-way Main Cabin after renewal)
$100 annual inflight credit
10% rebate on award flight redemptions
Free first and second checked bag for you and up to 3 companions
Lounge passes (Mint Studio access on eligible routes)
$100 Global Entry/TSA PreCheck credit every 4 years
$499
3.5
★★★★★
★★★★★
Best for regular JetBlue flyers who check bags and want anniversary points and a redemption rebate
3.5
★★★★★
★★★★★
Best for regular JetBlue flyers who check bags and want anniversary points and a redemption rebate
70,000 Bonus Points Earn 70,000 bonus points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days.
$1,060
welcome value
$150
/yr ongoing
6x TrueBlue points on JetBlue purchases
2x at restaurants and grocery stores
1x on all other purchases
Free first checked bag for cardholder and up to 3 companions
5,000 anniversary bonus points each year
10% rebate on award flight redemptions
50% savings on inflight food and beverages
Mosaic status pathway via spending tiles (1 tile per $1,000 spend; 50 tiles = Mosaic 1)
$99

Best Hotel Credit Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for frequent Marriott guests who want automatic Platinum Elite status, a high-value annual free night, and Priority Pass lounge access
4
★★★★★
★★★★★
Best for frequent Marriott guests who want automatic Platinum Elite status, a high-value annual free night, and Priority Pass lounge access
Up to 150,000 Bonus Points Earn 100,000 bonus points after spending $6,000 in the first 6 months, plus 50,000 more after spending $2,000 more for a total of $8,000 in the first 6 months.
$1,800
welcome value
$600
/yr ongoing
6x Bonvoy points at Marriott properties
3x at U.S. restaurants and direct flights
2x on all other purchases
Automatic Marriott Bonvoy Platinum Elite status
Annual Free Night Award (up to 85,000 points) each account anniversary
$300 annual Brilliant Dining Credit ($25/month at restaurants worldwide)
Priority Pass Select lounge membership
25 elite night credits toward Titanium status
Up to $100 on-property Marriott dining credit
$650
3.5
★★★★★
★★★★★
Best for Marriott loyalists who stay at Marriott properties 2-3 times per year and want an annual free night certificate
3.5
★★★★★
★★★★★
Best for Marriott loyalists who stay at Marriott properties 2-3 times per year and want an annual free night certificate
125,000 Bonus Points plus 1 Free Night Award Earn 125,000 bonus points plus 1 Free Night Award (up to 50,000 points) after spending $3,000 in the first 3 months from account opening.
$1,100
welcome value
$100
/yr ongoing
6x Bonvoy points at Marriott properties
3x on grocery stores, gas, and dining up to $6,000/year then 2x
2x on all other purchases
Annual free night (up to 35,000 points) with ability to top up to 60,000 points
Automatic Silver Elite status and 15 elite night credits each year
$100 airline incidental credit in 2026 ($50 semi-annually after $250 in airline purchases)
Up to 17x total at Marriott stacking member and status points
$95
4.5
★★★★★
★★★★★
Best for travelers who stay at IHG properties including Holiday Inn, Kimpton, InterContinental, and Crowne Plaza at least once a year
4.5
★★★★★
★★★★★
Best for travelers who stay at IHG properties including Holiday Inn, Kimpton, InterContinental, and Crowne Plaza at least once a year
Up to 185,000 Bonus Points Earn 150,000 bonus points after spending $3,000 in the first 3 months, plus 35,000 more after spending $6,000 total in the first 6 months. Offer ends June 25, 2026.
$1,115
welcome value
$190
/yr ongoing
Up to 26x total on IHG stays (10x from card + 10x as member + 6x from Platinum Elite)
5x on travel, gas, and restaurants
3x on all other purchases
Anniversary free night (up to 40,000 points) each account anniversary
Fourth Reward Night Free on points stays of 4+ nights
Automatic IHG Platinum Elite status
$50 annual United TravelBank Cash
$120 Global Entry/TSA PreCheck or NEXUS every 4 years
$100 statement credit and 10,000 bonus points after $20,000 annual spend
$99
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
60,000 bonus points Earn 60,000 bonus points after $5,000 in purchases within the first 3 months of account opening.
$1,400
welcome value
$200
/yr ongoing
60,000 bonus points after $5,000 in purchases in the first 3 months
Up to $100 in annual Hyatt statement credits ($50 per qualifying transaction, twice per year)
Automatic Discoverist status plus 5 Discoverist Upgrade Awards to gift to employees
2x points in your top three spend categories each quarter from a list of eight
5 qualifying night credits for every $10,000 in purchases each calendar year
$199
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
Up to 60,000 bonus points Earn 30,000 bonus points after $3,000 in purchases in the first 3 months, plus up to 30,000 more points by earning 2x on 1x purchases up to $15,000 spent in the first 6 months.
$1,400
welcome value
$200
/yr ongoing
Up to 60,000 bonus points after meeting tiered spend requirements
Annual free night at any Category 1-4 Hyatt property
Automatic World of Hyatt Discoverist status while the card is open
5 qualifying night credits toward status each calendar year
Up to 9x total points per $1 at Hyatt hotels
$95
Best for Hilton Loyalists
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
175,000 points Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
$2,075
welcome value
$1,200
/yr ongoing
Complimentary Diamond status with no spend requirement
Up to $400 in annual Hilton Resort Credits ($200 semi-annually)
Up to $200 in annual flight credits ($50 per quarter)
Annual Free Night Reward at any Hilton portfolio property (~$250)
Up to $209 annually toward a CLEAR+ membership
$550
Show more cards

Best Airline Credit Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4
★★★★★
★★★★★
Best for frequent American Airlines travelers who want Admirals Club access and fast-track to elite status
4
★★★★★
★★★★★
Best for frequent American Airlines travelers who want Admirals Club access and fast-track to elite status
100,000 AAdvantage Miles Earn 100,000 American Airlines AAdvantage bonus miles after spending $7,000 in the first 3 months from account opening.
$2,220
welcome value
$720
/yr ongoing
4x on eligible AA purchases (5x after $150,000 calendar year spend)
10x on eligible AAdvantage Hotels and Car bookings
Full Admirals Club membership for primary cardmember and up to 2 guests
First checked bag free on domestic AA itineraries
$120 Lyft credits ($10/month after 3 rides)
$120 Grubhub credits ($10/month)
$120 Avis/Budget car rental credits
$120 Global Entry/TSA PreCheck every 4 years
$595
3.5
★★★★★
★★★★★
Best for travelers who fly to Hawaii at least once a year and want to earn Atmos Rewards points on Hawaiian and Alaska Airlines spending
3.5
★★★★★
★★★★★
Best for travelers who fly to Hawaii at least once a year and want to earn Atmos Rewards points on Hawaiian and Alaska Airlines spending
70,000 Bonus Points Earn 60,000 bonus points after spending $1,000 in the first 90 days, then an additional 10,000 after spending $2,000 total within the first 180 days.
$1,150
welcome value
$100
/yr ongoing
3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases
2x on gas, dining, and eligible grocery store purchases
1x on all other purchases
Free first checked bag on eligible Hawaiian and Alaska flights
$100 annual companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian or Alaska Airlines
One-time 50% off companion roundtrip coach fare between Hawaii and North America valid within the first 13 months
Atmos Rewards points never expire
No foreign transaction fees
$99
3.5
★★★★★
★★★★★
Best for travelers who fly to Hawaii at least once a year and want to earn Atmos Rewards points on Hawaiian and Alaska Airlines spending
3.5
★★★★★
★★★★★
Best for travelers who fly to Hawaii at least once a year and want to earn Atmos Rewards points on Hawaiian and Alaska Airlines spending
70,000 Bonus Points Earn 60,000 bonus points after spending $1,000 in the first 90 days, then an additional 10,000 after spending $2,000 total within the first 180 days.
$1,150
welcome value
$100
/yr ongoing
3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases
2x on gas, dining, and eligible grocery store purchases
1x on all other purchases
Free first checked bag on eligible Hawaiian and Alaska flights
$100 annual companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian or Alaska Airlines
One-time 50% off companion roundtrip coach fare between Hawaii and North America valid within the first 13 months
Atmos Rewards points never expire
No foreign transaction fees
$99
4
★★★★★
★★★★★
Best for frequent United flyers who want more earning power and annual credits than the Explorer without committing to full Club Infinite membership
4
★★★★★
★★★★★
Best for frequent United flyers who want more earning power and annual credits than the Explorer without committing to full Club Infinite membership
100,000 Bonus Miles Earn 100,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening.
$1,635
welcome value
$435
/yr ongoing
3x on United purchases
2x on dining, hotels, and other travel purchases
1x on all other purchases
Two 5,000-mile anniversary award credits each year (10,000 miles total)
$125 annual United purchase credit
Two United Club one-time passes each year
Free first and second checked bags on domestic United itineraries
25% inflight savings on food and beverages
500 PQP for every $12,000 spent (up to 3,000 PQP per year)
$120 Global Entry/TSA PreCheck credit every 4 years
$350
4
★★★★★
★★★★★
Best for frequent JetBlue flyers who want automatic Mosaic 2 status and a companion certificate without earning through flying
4
★★★★★
★★★★★
Best for frequent JetBlue flyers who want automatic Mosaic 2 status and a companion certificate without earning through flying
100,000 Bonus Points Earn 100,000 bonus points after spending $5,000 on purchases and paying the $499 annual fee within the first 90 days.
$1,700
welcome value
$400
/yr ongoing
9x TrueBlue points on JetBlue purchases
3x at restaurants and grocery stores
1x on all other purchases
Automatic Mosaic 2 status
Annual companion certificate (one-way Main Cabin after renewal)
$100 annual inflight credit
10% rebate on award flight redemptions
Free first and second checked bag for you and up to 3 companions
Lounge passes (Mint Studio access on eligible routes)
$100 Global Entry/TSA PreCheck credit every 4 years
$499
3.5
★★★★★
★★★★★
Best for regular JetBlue flyers who check bags and want anniversary points and a redemption rebate
3.5
★★★★★
★★★★★
Best for regular JetBlue flyers who check bags and want anniversary points and a redemption rebate
70,000 Bonus Points Earn 70,000 bonus points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days.
$1,060
welcome value
$150
/yr ongoing
6x TrueBlue points on JetBlue purchases
2x at restaurants and grocery stores
1x on all other purchases
Free first checked bag for cardholder and up to 3 companions
5,000 anniversary bonus points each year
10% rebate on award flight redemptions
50% savings on inflight food and beverages
Mosaic status pathway via spending tiles (1 tile per $1,000 spend; 50 tiles = Mosaic 1)
$99
4
★★★★★
★★★★★
Best for frequent Southwest flyers working toward the Companion Pass who want the airline's premium perks
4
★★★★★
★★★★★
Best for frequent Southwest flyers working toward the Companion Pass who want the airline's premium perks
90,000 Bonus Points Earn 90,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
$1,470
welcome value
$390
/yr ongoing
4x on Southwest purchases
2x on gas stations and restaurants
1x on all other purchases
7,500 anniversary bonus points each year
Free first checked bag for you and up to 8 companions
Preferred seat selection at booking for you and up to 8 passengers
Unlimited Extra Legroom upgrades within 48 hours when available
Group 5 early boarding
10% annual flight discount code
2,500 TQPs per $5,000 toward A-List status
All points count toward Companion Pass
$229
4
★★★★★
★★★★★
Best for frequent United flyers who want unlimited United Club lounge access and premium travel benefits
4
★★★★★
★★★★★
Best for frequent United flyers who want unlimited United Club lounge access and premium travel benefits
Up to 90,000 Bonus Miles Earn 80,000 bonus miles after spending $5,000 in the first 3 months, plus 10,000 miles after adding an authorized user in the first 3 months.
$2,040
welcome value
$960
/yr ongoing
4x on United purchases
2x on other travel and dining
Full United Club membership -- unlimited access for primary cardholder and one adult guest or immediate family when cardholder is present
Free first and second checked bags on domestic UA itineraries
Premier Access: check-in, security where available, and boarding priority
25% inflight savings on food and beverages
$120 Instacart credits ($10/month) through Dec 2027
1,500 PQP bonus toward Premier status each year
Avis President Club and IHG Platinum status
$695
4
★★★★★
★★★★★
Best for United flyers who check bags and want lounge day passes without paying for full United Club membership
4
★★★★★
★★★★★
Best for United flyers who check bags and want lounge day passes without paying for full United Club membership
Up to 80,000 Bonus Miles Earn 80,000 bonus miles after spending $3,000 in the first 3 months, plus $0 annual fee the first year.
$1,255
welcome value
$295
/yr ongoing
9x total on eligible United flights (6x as MileagePlus member + 3x from card)
2x on hotel stays booked directly
2x on dining and eligible delivery
Free first checked bag for you and one companion on domestic UA itineraries
2 annual United Club one-time passes
Priority boarding Group 2
10,000-mile award flight discount annually
$120 Instacart credits ($10/month) through Dec 2027
$120 Global Entry/TSA PreCheck every 4 years
$0 intro annual fee first year
$150
4
★★★★★
★★★★★
Best for AA flyers who want lounge day passes and companion travel benefits without paying for full Admirals Club membership
4
★★★★★
★★★★★
Best for AA flyers who want lounge day passes and companion travel benefits without paying for full Admirals Club membership
90,000 AAdvantage Miles For a limited time, earn 90,000 American Airlines AAdvantage bonus miles after spending $5,000 on purchases in the first 4 months from account opening.
$1,890
welcome value
$540
/yr ongoing
6x on eligible AAdvantage Hotels bookings
2x on eligible Rides and Rails (rideshares, taxis, public transit)
4 Admirals Club Globe Passes each calendar year
Companion Certificate annually (domestic Main Cabin after renewal)
$100 annual inflight credit on AA flights
$100 annual Splurge Credit at select brands
$120 Global Entry/TSA PreCheck every 4 years
Flight Streak: 5,000 Loyalty Points after every 4 qualifying AA flights (up to 15,000/year)
$350
3.5
★★★★★
★★★★★
Best for American Airlines flyers who check bags and fly 3-10 times a year
3.5
★★★★★
★★★★★
Best for American Airlines flyers who check bags and fly 3-10 times a year
50,000 AAdvantage Miles Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months from account opening.
$1,090
welcome value
$340
/yr ongoing
2x on eligible AA purchases, restaurants, and gas stations
First checked bag free for you and up to 4 companions on domestic AA reservations
Preferred boarding on American Airlines
$125 AA flight discount after $20,000 spend in a cardmember year
25% savings on inflight food and beverage on AA flights
Earn Loyalty Points toward AAdvantage status
$99
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
100,000 bonus points + 25K Global Companion Award + 50% flight discount Earn 100,000 bonus points and a 25,000-point Global Companion Award after $6,500 in purchases within the first 90 days of account opening.
$2,364
welcome value
$800
/yr ongoing
100,000 bonus points + 25K Global Companion Award after $6,500 in 90 days
Annual 25K Global Companion Award every account anniversary
8 Alaska Lounge passes and 8 Wi-Fi passes per year (2 of each per quarter)
Free checked bag for you and up to 6 guests on the same reservation
3x points on dining, foreign transactions, and Alaska and Hawaiian Airlines purchases
$395
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
80,000 bonus points + $99 Companion Fare Earn 80,000 bonus points and a $99 Companion Fare after $5,000 in purchases within the first 90 days of account opening.
$1,470
welcome value
$370
/yr ongoing
80,000 bonus points + $99 companion fare after $5,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for any cardholder and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
2x points on gas, EV charging, shipping, and local transit
95
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
50,000 bonus points + $0 Companion Fare Earn 50,000 bonus points and a $0 Companion Fare after $2,000 in purchases within the first 90 days of account opening.
$900
welcome value
270
/yr ongoing
50,000 bonus points + $0 companion fare after $2,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for you and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
20% back on inflight food, beverage, and Wi-Fi
$95
Show more cards

Best Cash Back Credit Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
1.5% on every purchase with no cap or category tracking
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
No annual fee
No foreign transaction fees
$0
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
5% at office supply stores and on internet/cable/phone services (up to $25,000/year)
2% at gas stations and restaurants (up to $25,000/year)
1% on all other purchases
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
Cell phone protection up to $1,000 per claim when paying monthly bill with the card
No annual fee
$0
4
★★★★★
★★★★★
Best for Chase cardholders who want to maximize points on everyday spending with no annual fee
4
★★★★★
★★★★★
Best for Chase cardholders who want to maximize points on everyday spending with no annual fee
$200 Cash Back Bonus Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$400
welcome value
$0
/yr ongoing
5% on Chase Travel
3% on dining and drugstores
1.5% on all other purchases uncapped
Pairs with Sapphire cards to unlock point transfers
No annual fee
0% intro APR for 15 months on purchases and balance transfers
$0

Best Business Credit Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
4.5
★★★★★
★★★★★
Best for business owners who want premium lounge access and a simple flat-rate earning structure with a manageable annual fee
4.5
★★★★★
★★★★★
Best for business owners who want premium lounge access and a simple flat-rate earning structure with a manageable annual fee
100,000 Bonus Miles Earn 100,000 bonus miles after spending $10,000 on purchases in the first 3 months from account opening.
$1,900
welcome value
$400
/yr ongoing
10x on hotels and rental cars through Capital One Travel
5x on flights through Capital One Travel
2x on all other purchases uncapped
$300 annual Capital One Travel credit
10,000 anniversary bonus miles each year ($100 value)
Capital One Lounges and 1,300+ Priority Pass lounges
$120 Global Entry/TSA PreCheck credit every 4 years
No preset spending limit on eligible purchases
No foreign transaction fees
$395
4
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and want premium lounge access with transferable Ultimate Rewards points
4
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and want premium lounge access with transferable Ultimate Rewards points
200,000 Bonus Points Earn 200,000 bonus points after spending $30,000 on purchases in the first 3 months from account opening.
$5,450
welcome value
$1,450
/yr ongoing
8x on Chase Travel including The Edit
4x on flights and hotels booked direct
3x on dining worldwide
$300 annual travel credit (auto-applies to any travel purchase)
Chase Sapphire Lounge access plus Priority Pass
Transfer points 1:1 to Hyatt, United, Air France, British Airways and more
$500 in hotel credits at The Edit ($250 semi-annually)
$300 dining credit at Sapphire Reserve Exclusive Tables on OpenTable
1:1 Hyatt transfer retained
$795
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
4.5
★★★★★
★★★★★
Best for small business owners who want a simple flat-rate earner with no annual fee and the option to unlock point transfers with a Chase Sapphire card
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
1.5% on every purchase with no cap or category tracking
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
No annual fee
No foreign transaction fees
$0
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
4.5
★★★★★
★★★★★
Best for small business owners who want the highest cash back on office supplies and telecom with no annual fee, and who hold a Sapphire card to unlock point transfers
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
5% at office supply stores and on internet/cable/phone services (up to $25,000/year)
2% at gas stations and restaurants (up to $25,000/year)
1% on all other purchases
100,000-point welcome offer with no annual fee
Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points
0% intro APR on purchases for 12 months
Cell phone protection up to $1,000 per claim when paying monthly bill with the card
No annual fee
$0
4.5
★★★★★
★★★★★
Best for small business owners who spend on travel, shipping, advertising, and phone services and want to maximize transferable Ultimate Rewards points
4.5
★★★★★
★★★★★
Best for small business owners who spend on travel, shipping, advertising, and phone services and want to maximize transferable Ultimate Rewards points
100,000 Bonus Points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$2,000
welcome value
$0
/yr ongoing
3x on travel, shipping, internet/cable/phone, and advertising on social media and search engines (up to $150,000/year combined)
1x on all other purchases
100,000-point welcome offer -- one of the best in the business card category
Transfer points 1:1 to Hyatt, United, Air France, British Airways, and more
Cell phone protection up to $1,000 per claim when you pay your bill with the card
No foreign transaction fees
$95
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
3.8
★★★★★
★★★★★
Best for small business owners who stay at Hyatt regularly and want to accelerate elite status for themselves and employees
60,000 bonus points Earn 60,000 bonus points after $5,000 in purchases within the first 3 months of account opening.
$1,400
welcome value
$200
/yr ongoing
60,000 bonus points after $5,000 in purchases in the first 3 months
Up to $100 in annual Hyatt statement credits ($50 per qualifying transaction, twice per year)
Automatic Discoverist status plus 5 Discoverist Upgrade Awards to gift to employees
2x points in your top three spend categories each quarter from a list of eight
5 qualifying night credits for every $10,000 in purchases each calendar year
$199
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
4
★★★★★
★★★★★
Best for small business owners who fly Alaska or Hawaiian regularly and want a companion fare at a low annual fee
80,000 bonus points + $99 Companion Fare Earn 80,000 bonus points and a $99 Companion Fare after $5,000 in purchases within the first 90 days of account opening.
$1,470
welcome value
$370
/yr ongoing
80,000 bonus points + $99 companion fare after $5,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for any cardholder and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
2x points on gas, EV charging, shipping, and local transit
95
4
★★★★★
★★★★★
Best for business owners whose top two spend categories align with the eligible 4x list and who can use the ChatGPT and Squarespace credits
4
★★★★★
★★★★★
Best for business owners whose top two spend categories align with the eligible 4x list and who can use the ChatGPT and Squarespace credits
Up to 200,000 Membership Rewards points Earn up to 200,000 Membership Rewards points after $15,000 in purchases within the first 3 months of Card Membership. Welcome offer amount varies by applicant.
$4,845
welcome value
$845
/yr ongoing
Up to 200,000 Membership Rewards points after $15,000 in 3 months
4x points in your top two eligible spend categories each month (up to $150,000 combined per year)
3x points on flights and prepaid hotels booked through AmexTravel.com
Up to $845 in annual business credits across ChatGPT, Squarespace, Walmart+, FedEx, Grubhub, and office supply stores
Cell phone protection up to $800 per claim
$375
Best for Business Travelers
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
300,000 Membership Rewards Points You may be eligible for as high as 300,000 Membership Rewards Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for this offer.
$8,000
welcome value
$2,000
/yr ongoing
5x points on flights and prepaid hotels booked through AmexTravel.com
35% points back when using Pay with Points on flights through Amex Travel with your selected airline
Access to over 1,550 airport lounges worldwide including Centurion Lounges and Priority Pass
Up to $1,150 in annual Dell Technologies credits
Up to $360 in annual Indeed credits for U.S. hiring spend
$895
Best for Business Travelers
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
As High As 300,000 Membership Rewards Points You may be eligible for as high as 300,000 Membership Rewards Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for this offer.
$8,000
welcome value
$2,000
/yr ongoing
5x points on flights and prepaid hotels booked through AmexTravel.com
35% points back when using Pay with Points on flights through Amex Travel with your selected airline
Access to over 1,550 airport lounges worldwide including Centurion Lounges and Priority Pass
Up to $1,150 in annual Dell Technologies credits
Up to $360 in annual Indeed credits for U.S. hiring spend
$895
Show more cards

Best Recurring Benefit Credit Cards

Credit Card Welcome Offer Value Benefits Annual Fee Apply Now
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
3.5
★★★★★
★★★★★
Best for Hyatt loyalists who want automatic status and a free anniversary night at a low annual fee
Up to 60,000 bonus points Earn 30,000 bonus points after $3,000 in purchases in the first 3 months, plus up to 30,000 more points by earning 2x on 1x purchases up to $15,000 spent in the first 6 months.
$1,400
welcome value
$200
/yr ongoing
Up to 60,000 bonus points after meeting tiered spend requirements
Annual free night at any Category 1-4 Hyatt property
Automatic World of Hyatt Discoverist status while the card is open
5 qualifying night credits toward status each calendar year
Up to 9x total points per $1 at Hyatt hotels
$95
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
4
★★★★★
★★★★★
Best for frequent Alaska and Hawaiian Airlines travelers who want lounge access and elite-path benefits
100,000 bonus points + 25K Global Companion Award + 50% flight discount Earn 100,000 bonus points and a 25,000-point Global Companion Award after $6,500 in purchases within the first 90 days of account opening.
$2,364
welcome value
$800
/yr ongoing
100,000 bonus points + 25K Global Companion Award after $6,500 in 90 days
Annual 25K Global Companion Award every account anniversary
8 Alaska Lounge passes and 8 Wi-Fi passes per year (2 of each per quarter)
Free checked bag for you and up to 6 guests on the same reservation
3x points on dining, foreign transactions, and Alaska and Hawaiian Airlines purchases
$395
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
3.5
★★★★★
★★★★★
Best for Alaska and Hawaiian Airlines loyalists on the West Coast
50,000 bonus points + $0 Companion Fare Earn 50,000 bonus points and a $0 Companion Fare after $2,000 in purchases within the first 90 days of account opening.
$900
welcome value
270
/yr ongoing
50,000 bonus points + $0 companion fare after $2,000 in 90 days
Annual $99 companion fare after $6,000 spend
Free checked bag for you and up to 6 guests on the same reservation
3x points on Alaska Airlines and Hawaiian Airlines purchases
20% back on inflight food, beverage, and Wi-Fi
$95
Best for Hilton Loyalists
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
5
★★★★★
★★★★★
Best for Hilton guests who stay at resorts regularly and can use the flight and resort credits every year
175,000 points Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
$2,075
welcome value
$1,200
/yr ongoing
Complimentary Diamond status with no spend requirement
Up to $400 in annual Hilton Resort Credits ($200 semi-annually)
Up to $200 in annual flight credits ($50 per quarter)
Annual Free Night Reward at any Hilton portfolio property (~$250)
Up to $209 annually toward a CLEAR+ membership
$550
Best for Business Travelers
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
5
★★★★★
★★★★★
Best for high-spending business owners who travel frequently and can use the stacked travel and business credits annually
300,000 Membership Rewards Points You may be eligible for as high as 300,000 Membership Rewards Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for this offer.
$8,000
welcome value
$2,000
/yr ongoing
5x points on flights and prepaid hotels booked through AmexTravel.com
35% points back when using Pay with Points on flights through Amex Travel with your selected airline
Access to over 1,550 airport lounges worldwide including Centurion Lounges and Priority Pass
Up to $1,150 in annual Dell Technologies credits
Up to $360 in annual Indeed credits for U.S. hiring spend
$895

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Sid

I'm Sid, the traveler behind this site. My journey started as a simple "back-up plan" to help pay for expensive personal travel. I realized that with the right strategy, this hobby scales incredibly well. Since then, I have earned and spent over 15 million miles across nearly every major global loyalty program. This blog is where I share what I've learned about this hobby (and ramble a bit), hoping it will also help you travel and see the world. Learn more about me. Want to get in touch? Drop me a line.