The Best Rewards Credit Cards of 2015

We researched over 500 credit cards to find the best credit cards for rewards. With so many cards offering points, miles and other perks to choose from comparing cards can be very difficult. The best credit cards reward program will also depend upon your personal or business spending habits. To help you out we've compiled our list of the best rewards cards of 2015 as well as some tips and tools to help you compare all your rewards credit card options.

Our Top Rewards Credit Cards

We focused on credit cards with rewards that would be best for everyday use. If you could have only one rewards card these are the cards we think you should choose from. Our picks account for bonuses that you'll earn with the cards as well as spending rewards. If you don't care about bonuses then consider one of the cash back cards which typically have smaller bonuses than the travel cards but can be very competitive otherwise.

Barclaycard Arrival Plus: Best All Around Travel Rewards 

For rewards credit cards that you can use everyday, the Barclaycard Arrival Plus World Elite MasterCard is hands down the best. If you travel just once a year, or even once every two years, the lucrative yet simple rewards from this credit card are too good to pass up. The standout feature of the card is the 2.2% rewards rate you'll receive on all your spending, when used as a statement credit on any travel expense. With many other cards you could only come close to these rewards if you spent on specific categories, or used the awards at a single chain of airlines or hotels. With the Arrival, you can spend your money anywhere and redeem the rewards for any travel purchase.

Putting the card over the top is also one of the largest signing bonuses available. At 40,000 miles, worth $400 dollars, new cardholders are offered a fantastic promotion for getting the Barclaycard. When Barclaycard rebranded the Arrival Plus earlier this year, they expanded the categories of expenses that fall under travel. This added Taxis, Buses, Limousines, Tourist Attractions, Timeshares and Campgrounds to the mix. This vastly increases the number of day to day expenses that the miles could be used for.

The Barclaycard Arrival Plus is our best rewards card for someone that spends more than $1000 a month, and has sufficient travel expenses each year. This will allow you to satisfy all the spending requirements necessary to qualify for the signing bonus, as well as make the cards rewards more worthwhile when compared to a no annual fee option. It also ensures that you have actual uses for the miles earned with the card.

Starwood Preferred Guest American Express: Best Hotel Rewards

When it comes to the best hotel credit cards, consumers should really consider the Starwood Preferred Guest first. With both the personal and business versions of this American Express offering, cardholders can enjoy one of the highest average dollar per point values of any loyalty program. Starpoints from the SPG program are worth an astounding 2.3 cents per point. On general spending alone the card rewards you with 2.3% on your spending, double that if it is used at a Starwood affiliated resort or hotel. With over 1100 properties worldwide, including familiar brands such as the Westin, Sheraton and W hotels, travelers can find a redemption option in nearly every corner of the world.

As an additional benefit, Starpoints earned through the credit card and the SPG loyalty program can be exchanged for loyalty rewards at most major airlines. With most airlines accepting these transfers at a 1:1 ratio, you can use Starpoints to top off an awards travel booking, adding just a little more flexibility in your rewards use. New cardholders also qualify for a 25,000 point signing bonus, worth nearly 500 dollars in hotel stays.

Highlights

  • One of the highest dollar value per reward of all credit cards we surveyed.
  • Rewards are usable at nearly 1000 properties and 32 airlines through the points transfer program.
  • Signing Bonus: 30,000 point bonus worth at as much as $600 for new card members
  • Rewards Rate: 2.2%

    Citi Double Cash Card: Best Flat Rate Cash Back Rewards

    The Citi Double Cash is the new entrant in flat rate cash back rewards and it bests just about everything we've seen offered thus far. With an effective 2% cash back on all your spending, it's one of the best rewards offerings we've seen in a long time. The lack of a bonus makes it less worthwhile than some of the other cards in the short term, since those hundreds of dollars of extra rewards can be pretty valuable right now. With no annual fee and 1% cash back immediately when you make a purchase and another 1% back when you pay off your bill the Double Cash Card is otherwise quite hard to beat. Citi is also currently offering an introductory purchase and balance transfer APR. It's just begging you to make the switch.

    Highlights

    • Rewards Rate: 2% Cash back on all spending
    • No annual fee

    Capital One Quicksilver Cash Rewards: Best Cash Back with Bonus

    The Capital One Quicksilver Cash Rewards Credit Card offers a little more flexibility at the cost of some overall value. All else being equal cash back is our favorite rewards mechanism, and that's just want the Quicksilver gives you. With 1.5% cash back on all spending, the Quicksilver offers a relatively good return without many hoops to jump through. Best of all, with no annual fee it is a rewards card with nearly no financial burdens.  New card members qualify for a one time $100 bonus if they spend $500 dollars on purchases within the first 3 months. The signing promo is one of the smaller bonuses available, but also among the easiest to achieve in the cards we've surveyed. 

    The previously mentioned travel rewards cards are more generous overall, so if you travel at all it's a better financial decision to go with one of those. If however you're for a no hassle rewards card for your primary credit card, there is no substitute for the Quicksilver.  While other rewards cards, including some other cash back cards can offer you a higher rate, it will usually come at the cost of increased hassle. This may include higher percentages only if you make purchases in specific categories, or through featured categories that rotate every 3 months. If you want just one card to depend on, go with Capital One's offering.

    Highlights

    • Rewards Rate: 1.5% Cash Back on all spending
    • Signing Bonus: $100 bonus after you spend $500 in the first 3 months
    • No Annual Fee

    Related Resources

    Chase Sapphire Preferred® CardBest Airline Miles Rewards

    The Chase Sapphire Preferred is best suited for cardholders that are willing to go the extra mile to get more out of their spending. If you're the type of person that enjoys figuring out how to get the most bang for your buck, the Sapphire Preferred is one of your best options. While the cards we've already mentioned will have better overall rate on general spending categories, the Chase Sapphire Preferred performs much better if you tie yourself to their Ultimate Rewards program. In doing so you can earn as much as 3.75% of your total spending in rewards. An additional benefit of the Sapphire Preferred over some of the generic travel cards is the ability to use Ultimate Rewards points as cash back at a penny a piece. Most generic rewards cards like those in the American Express or Citi ThankYou programs force you to take a significant discount when using points for cash back rewards.

    Highlights

    • Rewards Rate: 1.25 - 3.75%+
    • Signing Bonus: Earn 40,000 bonus points worth 400-500 dollars on travel or cash back when you spend $4,000 on purchases in the first 3 months from account opening. 
    • Double on travel and dining.
    • Points can be transferred directly to a number of hotel and airline partners at a 1:1 ratio for use in their loyalty programs
    • Rewards are usable as cash back as well as statement credits

    Barclaycard Arrival World MasterCard: Best No Fee Travel Rewards 

    If you're looking for to choose among the best rewards credit cards for travel but don't want an annual fee, begin with the Barclaycard Arrival World MasterCard. It has nearly all the travel rewards benefits of its premium counterpart the Barclaycard Arrival Plus, but without the annual membership cost. With double miles on travel expenses and dining and the miles accrued still work 1 cent each, it still offers top tier results for travel expenses. Where it's a little weaker is in only providing 1 mile per dollar spent on all other expenses. So if you're looking for a hassle free travel miles card with no fee to concern yourself with, this card is our pick.

    Highlights

    • Double rewards on travel expenses and dining
    • No Annual Fee
    • 25,000 mile signing bonus if you spend $1000 in the first 3 months

    Compare The Best Rewards Credit Cards

    If you'd like to see how the credit cards we've discussed perform for you, use our embedded tool to see what you can earn from rewards. By changing your spending patterns you can see how each card performs for you.

    Rewards
    Graph by Card:
    Rewards
    The total value of the card at the end of the period by card. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
    Rewards Rate
    The dollar value of rewards as a percentage of total spending by card.
    APR
    The minimum APR for each card.
    Annual Fee
    The annual fee for each card.
    Bonus Value
    The dollar value of signing and continuing bonuses by card.
    Graph by Month:
    Rewards
    The dollar value of each card by month
    Rewards Rate
    The value of each card as a percentage of total spending by month…
    Monthly Spend: $1,000
    Show Graph
    Annual Fee
    $75
    Rewards Rate
    1.12%
    Bonus
    $179
    Net Rewards
    $269
    More Details Graph Card
    Annual Fee $75
    Purchase APR 12.99 - 21.99% Variable

    Estimated Rewards Through 24 Months

    Rewards Dollars*
    Spending Rewards 240 240
    Bonuses
    Earn 100 Reward Dollars redeemable for a $100 statement credit and 1 year of Amazon Prime after you spend $1,000 within the first 3 months 0 179
    Less Annual Fees 150
    Total 240 269

    Card Details

    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • Terms and limitations apply.
    Annual Fee
    $0
    Rewards Rate
    1.54%
    Bonus
    $129
    Net Rewards
    $369
    More Details Graph Card
    Annual Fee $0
    Purchase APR 12.99 - 21.99% Variable

    Estimated Rewards Through 24 Months

    Rewards Dollars*
    Spending Rewards 240 240
    Bonuses
    Earn 50 Reward Dollars redeemable for a $100 statement credit and 1 year of Amazon Prime after you spend $1,000 within the first 3 months 0 129
    Total 240 369

    Card Details

    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • Terms and restrictions apply.
    Annual Fee
    $0 Intro annual fee for the first year, then $175
    Rewards Rate
    1.31%
    Bonus
    $250
    Net Rewards
    $315
    More Details Graph Card
    Annual Fee $175 ($0 Intro annual fee for the first year, then $175)
    Purchase APR 0% Variable

    Estimated Rewards Through 24 Months

    Rewards Dollars*
    Spending Rewards 24,000 240
    Bonuses
    Earn 25,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership. 25,000 250
    0 0
    Less Annual Fees 175
    Total 49,000 315

    Card Details

    • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
    • Earn Points Faster: 3X points for flights booked directly with airlines and 2X points at US gas stations & US supermarkets, 1X points on other purchases. Terms and limitations apply.
    • With the Membership Rewards® program, you can use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
    • You can also transfer points to our selection of frequent traveler programs.
    • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
    • $0 intro annual fee for the first year of Card Membership, then $175.
    • Terms and Restrictions Apply.
    Annual Fee
    $450
    Rewards Rate
    -1.08%
    Bonus
    $400
    Net Rewards
    $-260
    More Details Graph Card Read Review
    Annual Fee $450
    Purchase APR 0% Variable

    Estimated Rewards Through 24 Months

    Rewards Dollars*
    Spending Rewards 24,000 240
    Bonuses
    Earn 40,000 points after you spend $3,000 on purchases on your new card in your first 3 months 40,000 400
    Less Annual Fees 900
    Total 64,000 -260

    Card Details

    • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
    • Up to a $200 Airline Fee Credit Annually.
    • To receive the statement credit, you need to select a qualifying airline.
    • There are no foreign transaction fees with purchases made on your Platinum Card.
    • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
    • Terms & restrictions apply.
    Annual Fee
    $0 Intro annual fee for the first year, then $125
    Rewards Rate
    0.48%
    Bonus
    $0
    Net Rewards
    $115
    More Details Graph Card
    Annual Fee $125 ($0 Intro annual fee for the first year, then $125)
    Purchase APR 0% Variable

    Estimated Rewards Through 24 Months

    Rewards Dollars*
    Spending Rewards 24,000 240
    Less Annual Fees 125
    Total 24,000 115

    Card Features

      Earning Rewards

      • 2 points for every $1 spent when you book on the American Express Travel website
      • 1 point for every $1 spent otherwise

      Promotions

        Annual Fee
        $0
        Rewards Rate
        0.43%
        Bonus
        $100
        Net Rewards
        $102
        More Details Graph Card
        Annual Fee $0
        Purchase APR 13.99, 19.99 or 22.99% Variable

        Estimated Rewards Through 24 Months

        Rewards Dollars*
        Spending Rewards 240 2
        Bonuses
        Earn $100 when you use your Upromise Mastercard within 90 days of account opening 0 100
        Total 240 102

        Earning Rewards

        • 4% cash back at eligible restaurants
        • 2% back at movie theaters
        • 1% back everywhere ekse

        Promotions

          Annual Fee
          $0
          Rewards Rate
          1.42%
          Bonus
          $100
          Net Rewards
          $340
          More Details Graph Card Read Review
          Annual Fee $0
          Purchase APR 13.99 - 22.99% Variable

          Estimated Rewards Through 24 Months

          Rewards Dollars*
          Spending Rewards 240 240
          Bonuses
          Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period 0 100
          Total 240 340

          Card Details

          • Named a Best Card for Cash Back by MONEY® Magazine
          • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
          • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
          • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
          • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
          • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
          • Unlimited 1% Cash Back on all other purchases
          • No annual fee and rewards never expire as long as your account is open
          Annual Fee
          $0
          Rewards Rate
          1.92%
          Bonus
          $100
          Net Rewards
          $460
          More Details Graph Card Read Review
          Annual Fee $0
          Purchase APR 12.99, 17.9 or 22.9% Variable

          Estimated Rewards Through 24 Months

          Rewards Dollars*
          Spending Rewards 360 360
          Bonuses
          Get $100 bonus after spending $500 within the first 3 months 0 100
          Total 360 460

          Card Features

            Earning Rewards

            • 1.5% cash back

            Promotions

            • $100 after spending $500 in the first 3 months
            Annual Fee
            $39
            Rewards Rate
            1.18%
            Bonus
            $0
            Net Rewards
            $282
            More Details Graph Card
            Annual Fee $39
            Purchase APR 22.99% Variable

            Estimated Rewards Through 24 Months

            Rewards Dollars*
            Spending Rewards 360 360
            Less Annual Fees 78
            Total 360 282

            Card Features

              Earning Rewards

              • 1.5% cash back

              Promotions

                Annual Fee
                $0
                Rewards Rate
                1.21%
                Bonus
                $50
                Net Rewards
                $290
                More Details Graph Card Read Review
                Annual Fee $0
                Purchase APR 13.9, 16.9 or 24.9% Variable

                Estimated Rewards Through 24 Months

                Rewards Dollars*
                Spending Rewards 24,000 240
                Bonuses
                5,000 bonus points after your first purchase 5,000 50
                Total 29,000 290

                Earning Rewards

                • 10 points for every $1 spent on PlayStation Network purchases
                • 3 points for every $1 spent on all Sony and Playstation purchases at Sony stores and Sony.com
                • 3 points for every $1 spent at quick service restaurants, movie theatres, and on your mobile phone bill
                • 1 point for every $1 spent otherwise

                Promotions

                • 5,000 points after your first purchase
                Annual Fee
                $0
                Rewards Rate
                1.00%
                Bonus
                $0
                Net Rewards
                $240
                More Details Graph Card Read Review
                Annual Fee $0
                Purchase APR 19.89% Variable

                Estimated Rewards Through 24 Months

                Rewards Dollars*
                Spending Rewards 240 240
                Total 240 240

                Card Features

                  Earning Rewards

                  • 1% cash back
                  • Earn an additional 25% bonus on the cash back you've earned every month you pay on time

                  Promotions

                    Annual Fee
                    $0
                    Rewards Rate
                    1.42%
                    Bonus
                    $100
                    Net Rewards
                    $340
                    More Details Graph Card Read Review
                    Annual Fee $0
                    Purchase APR 12.99, 17.99 or 22.99% Variable

                    Estimated Rewards Through 24 Months

                    Rewards Dollars*
                    Spending Rewards 240 240
                    Bonuses
                    Earn $100 cash back after you spend $500 in purchases in your first 3 months 0 100
                    Total 240 340

                    Card Features

                      Earning Rewards

                      • 5% cash back in bonus categories each quarter
                      • 1% cash back otherwise

                      Promotions

                      • $100 cash back after you spend $500 in the first 3 months
                      Annual Fee
                      $0 Intro annual fee for the first year, then $125
                      Rewards Rate
                      1.31%
                      Bonus
                      $200
                      Net Rewards
                      $315
                      More Details Graph Card
                      Annual Fee $125 ($0 Intro annual fee for the first year, then $125)
                      Purchase APR 13.99, 17.99 or 22.99% Variable

                      Estimated Rewards Through 24 Months

                      Rewards Dollars*
                      Spending Rewards 24,000 240
                      Bonuses
                      Earn 20,000 bonus ThankYou points after you spend $2,000 in the first 3 months 20,000 200
                      Less Annual Fees 125
                      Total 44,000 315

                      Card Features

                        Earning Rewards

                        • 3 ThankYou points for every $1 spent at restaurants and select Entertainment merchants
                        • 2 ThankYou points for every $1 spent on airfare and hotels
                        • 1 ThankYou point for every $1 spent otherwise

                        Promotions

                        • 20,000 ThankYou points after spending $2,000 in the first 3 months
                        Annual Fee
                        $0
                        Rewards Rate
                        1.83%
                        Bonus
                        $200
                        Net Rewards
                        $440
                        More Details Graph Card
                        Annual Fee $0
                        Purchase APR 12.99, 17.99 or 22.99% Variable

                        Estimated Rewards Through 24 Months

                        Rewards Dollars*
                        Spending Rewards 24,000 240
                        Bonuses
                        Earn 20,000 bonus ThankYou points after you spend $1,500 in the first 3 months 20,000 200
                        Total 44,000 440

                        Card Features

                          Earning Rewards

                          • 3 ThankYou points for every $1 spent at restaurants and select Entertainment merchants
                          • 1 ThankYou point for every $1 spent otherwise

                          Promotions

                          • 20,000 ThankYou points after spending $1,500 in the first 3 months
                          Annual Fee
                          $450
                          Rewards Rate
                          -1.50%
                          Bonus
                          $300
                          Net Rewards
                          $-360
                          More Details Graph Card
                          Annual Fee $450
                          Purchase APR 15.24% Variable

                          Estimated Rewards Through 24 Months

                          Rewards Dollars*
                          Spending Rewards 24,000 240
                          Bonuses
                          Earn 30,000 bonus ThankYou points after you spend $2000 30,000 300
                          Less Annual Fees 900
                          Total 54,000 -360

                          Card Features

                            Earning Rewards

                            • 2 ThankYou points for every $1 spent at restaurants
                            • 1 ThankYou point for every $1 spent otherwise

                            Promotions

                            • 30,000 ThankYou points after spending $2,000 in the first 3 months
                            Annual Fee
                            $0
                            Rewards Rate
                            1.00%
                            Bonus
                            $0
                            Net Rewards
                            $240
                            More Details Graph Card Read Review
                            Annual Fee $0
                            Purchase APR 10.99 - 22.99% Variable

                            Estimated Rewards Through 24 Months

                            Rewards Dollars*
                            Spending Rewards 240 240
                            Total 240 240

                            Card Features

                              Earning Rewards

                              • 5% cash back in bonus categories each quarter
                              • 1% cash back otherwise

                              Promotions

                                Annual Fee
                                $0
                                Rewards Rate
                                1.00%
                                Bonus
                                $0
                                Net Rewards
                                $240
                                More Details Graph Card Read Review
                                Annual Fee $0
                                Purchase APR 12.99 - 21.99% Variable

                                Estimated Rewards Through 24 Months

                                Rewards Dollars*
                                Spending Rewards 240 240
                                Total 240 240

                                Card Features

                                  Earning Rewards

                                  • 5% cash back in bonus categories each quarter
                                  • 1% cash back otherwise

                                  Promotions

                                    Annual Fee
                                    $0
                                    Rewards Rate
                                    1.00%
                                    Bonus
                                    $0
                                    Net Rewards
                                    $240
                                    More Details Graph Card
                                    Annual Fee $0
                                    Purchase APR 13.99, 18.99 or 23.99% Variable

                                    Estimated Rewards Through 24 Months

                                    Rewards Dollars*
                                    Spending Rewards 240 240
                                    Total 240 240

                                    Earning Rewards

                                    • 5% cash back in bonus categories each quarter
                                    • 1% cash back otherwise

                                    Promotions

                                      Annual Fee
                                      $0
                                      Rewards Rate
                                      1.10%
                                      Bonus
                                      $25
                                      Net Rewards
                                      $265
                                      More Details Graph Card
                                      Annual Fee $0
                                      Purchase APR 13.99, 18.99 or 23.99% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 240
                                      Bonuses
                                      Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months 2,500 25
                                      Total 26,500 265

                                      Earning Rewards

                                      • 2 ThankYou points for every $1 spent at restaurants and entertainment
                                      • 1 ThankYou point for every $1 spent otherwise

                                      Promotions

                                      • 2,500 ThankYou points after spending $500 in the first 3 months
                                      Annual Fee
                                      $0
                                      Rewards Rate
                                      2.08%
                                      Bonus
                                      $200
                                      Net Rewards
                                      $500
                                      More Details Graph Card Read Review
                                      Annual Fee $0
                                      Purchase APR 11.99 - 19.9% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 30,000 300
                                      Bonuses
                                      Receive 20,000 miles once you spend $1,000 within the first 3 months 20,000 200
                                      Total 50,000 500

                                      Card Features

                                      • Free Credit Score using Capital One Credit Tracker tool

                                      Earning Rewards

                                      • 1.25 miles for every $1 spent

                                      Promotions

                                      • 20,000 miles after spending $2,000 in the first 3 months
                                      Annual Fee
                                      $0 Intro annual fee for the first year, then $59
                                      Rewards Rate
                                      3.42%
                                      Bonus
                                      $400
                                      Net Rewards
                                      $821
                                      More Details Graph Card Read Review
                                      Annual Fee $59 ($0 Intro annual fee for the first year, then $59)
                                      Purchase APR 13.99, 16.9 or 20.9% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 48,000 480
                                      Bonuses
                                      Receive 40,000 miles once you spend $3,000 within the first 3 months 40,000 400
                                      Less Annual Fees 59
                                      Total 88,000 821

                                      Card Features

                                      • Free Credit Score using Capital One Credit Tracker tool

                                      Earning Rewards

                                      • 2 miles for every $1 spent

                                      Promotions

                                      • 40,000 miles after spending $3,000 in the first 3 months
                                      Annual Fee
                                      $450
                                      Rewards Rate
                                      -2.05%
                                      Bonus
                                      $120
                                      Net Rewards
                                      $-492
                                      More Details Graph Card Read Review
                                      Annual Fee $450
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 288
                                      Bonuses
                                      Earn 10,000 Medallion® Qualification Miles and 10,000 bonus miles after the first purchase 10,000 120
                                      Less Annual Fees 900
                                      Total 34,000 -492

                                      Card Features

                                      • Delta Skyclub Access
                                      • Receive a 20% statement credit on any in-flight purchases of food or entertainement
                                      • Priority Boarding
                                      • First Checked Bag Free

                                      Earning Rewards

                                      • 2 miles for every $1 spent on Delta flight and vacation purchases
                                      • 1 mile for every $1 spent otherwise

                                      Promotions

                                      • 10,000 Medallion Qualification Miles and 10,000 Delta SkyMiles after your first purchase
                                      Annual Fee
                                      $0 Intro annual fee for the first year, then $95
                                      Rewards Rate
                                      2.51%
                                      Bonus
                                      $410
                                      Net Rewards
                                      $603
                                      More Details Graph Card Read Review
                                      Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 288
                                      Bonuses
                                      $50 Statement Credit after you make a Delta purchase within the first three months 0 50
                                      Earn 30,000 bonuses miles after you make $1,000 in purchases within your first 3 months 30,000 360
                                      Less Annual Fees 95
                                      Total 54,000 603

                                      Card Details

                                      • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
                                      • Earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
                                      • Earn 2 miles on Delta purchases. 1 mile for each dollar you spend on other eligible purchases.
                                      • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
                                      • Settle in sooner with Priority Boarding.
                                      • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
                                      • Terms and Restrictions Apply.
                                      Annual Fee
                                      $195
                                      Rewards Rate
                                      -0.01%
                                      Bonus
                                      $100
                                      Net Rewards
                                      $-2
                                      More Details Graph Card Read Review
                                      Annual Fee $195
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 288
                                      Bonuses
                                      $100 Statement Credit after you make a Delta purchase within the first three months 0 100
                                      Less Annual Fees 390
                                      Total 24,000 -2

                                      Card Features

                                      • Discounted Delta Skyclub Access for you and 2 other companions
                                      • Receive a 20% statement credit on any in-flight purchases of food or entertainement
                                      • Priority Boarding
                                      • First Checked Bag Free

                                      Earning Rewards

                                      • 2 miles for every $1 spent on Delta flight and vacation purchases
                                      • 1 mile for every $1 spent otherwise

                                      Promotions

                                      • 15,000 Medallion Qualification Miles and 50,000 miles after spending $1,000 in the first 3 months
                                      • $100 Statement credit after you make a Delta purchase in the first 3 months
                                      Annual Fee
                                      $0 Intro annual fee for the first year, then $65
                                      Rewards Rate
                                      4.22%
                                      Bonus
                                      $550
                                      Net Rewards
                                      $1,013
                                      More Details Graph Card Read Review
                                      Annual Fee $65 ($0 Intro annual fee for the first year, then $65)
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 528
                                      Bonuses
                                      Earn 10,000 Starpoints after your first purchase 10,000 220
                                      Earn 15,000 Bonus Starpoints if you spend $5,000 in the first 6 months 15,000 330
                                      Less Annual Fees 65
                                      Total 49,000 1,013

                                      Card Details

                                      • Earn up to 25,000 bonus Starpoints®
                                      • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
                                      • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
                                      • Some hotels may have mandatory service and resort charges.
                                      • Starpoints stay active as long as you continue to spend on your Card.
                                      • $0 introductory annual fee for the first year, then $65.
                                      • Terms and Restrictions apply.
                                      Annual Fee
                                      $0 Intro annual fee for the first year, then $40
                                      Rewards Rate
                                      1.85%
                                      Bonus
                                      $220
                                      Net Rewards
                                      $444
                                      More Details Graph Card Read Review
                                      Annual Fee $40 ($0 Intro annual fee for the first year, then $40)
                                      Purchase APR 15.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 264
                                      Bonuses
                                      Earn 20,000 TrueBlue® points after you spend $1,000 in the first 3 months 20,000 220
                                      Less Annual Fees 40
                                      Total 44,000 444

                                      Card Features

                                      • Receive a 50% statement credit on any in-flight purchases of food or entertainment
                                      • Car Rental Loss and Damage Insurance
                                      • Travel Accident Insurance
                                      • Roadside Assistance Hotline
                                      • Purchase Protection: purchases made with card protected from accidental damage or theft for up to 90 days

                                      Earning Rewards

                                      • 2 TrueBlue points for every $1 spent on JetBlue flights and Getaways vacation packages on jetblue.com
                                      • 1 point for every $1 spent otherwise

                                      Promotions

                                      • 20,000 TrueBlue points after spending $1,000 in the first 3 months
                                      Annual Fee
                                      $0
                                      Rewards Rate
                                      2.33%
                                      Bonus
                                      $200
                                      Net Rewards
                                      $560
                                      More Details Graph Card Read Review
                                      Annual Fee $0
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 72,000 360
                                      Bonuses
                                      Earn 40,000 Hilton HHonors after spending $750 in the first 3 months 40,000 200
                                      Total 112,000 560

                                      Card Features

                                      • Baggage Insurance Plan
                                      • Car Rental Loss and Damage Insurance
                                      • Travel Accident Insurance
                                      • Roadside Assistance Hotline
                                      • Purchase Protection: purchases made with card protected from accidental damage or theft for up to 90 days

                                      Earning Rewards

                                      • 7 HHonors Bonus Points for every $1 spent with a participating hotel or resort
                                      • 5 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations
                                      • 3 HHonors Bonus Points for every $1 spent otherwise

                                      Promotions

                                      • 40,000 Hilton HHonors after spending $750 in the first 3 months
                                      Annual Fee
                                      $75
                                      Rewards Rate
                                      2.13%
                                      Bonus
                                      $300
                                      Net Rewards
                                      $510
                                      More Details Graph Card
                                      Annual Fee $75
                                      Purchase APR 15.24, 17.24 or 19.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 72,000 360
                                      Bonuses
                                      Earn 60,000 Hilton HHonors after spending $3,000 in the first 3 months 60,000 300
                                      Less Annual Fees 150
                                      Total 132,000 510

                                      Card Features

                                      • Airport Loung Access
                                      • 20% Discount on Car Service
                                      • Car Rental Loss and Damage Insurance
                                      • Travel Accident Insurance
                                      • Roadside Assistance Hotline
                                      • Purchase Protection: purchases made with card protected from accidental damage or theft for up to 90 days
                                      • Baggage Insurance Plan
                                      • Return Protection: American Express may refund the full purchase price of an item within 90 days of purchase if the merchant won't take it back

                                      Earning Rewards

                                      • 12 HHonors Bonus Points for every $1 spent with a participating hotel or resort
                                      • 6 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations

                                      Promotions

                                      • 60,000 Hilton HHonors after spending $3,000 in the first 3 months
                                      Annual Fee
                                      $0
                                      Rewards Rate
                                      1.75%
                                      Bonus
                                      $99.75
                                      Net Rewards
                                      $419
                                      More Details Graph Card Read Review
                                      Annual Fee $0
                                      Purchase APR 17.24, 20.24 or 22.24% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 24,000 319
                                      Bonuses
                                      Earn 7,500 bonus points after you spend $1,000 in the first 3 months 7,500 100
                                      Total 31,500 419

                                      Card Features

                                      • Car Rental Loss and Damage Insurance
                                      • Return Protection: American Express may refund the full purchase price of an item within 90 days of purchase if the merchant won't take it back

                                      Earning Rewards

                                      • 1 point for every $1 spent

                                      Promotions

                                      • 7,500 bonus points after spending $1,000 in the first 3 months
                                      Annual Fee
                                      $0
                                      Rewards Rate
                                      1.92%
                                      Bonus
                                      $100
                                      Net Rewards
                                      $460
                                      More Details Graph Card
                                      Annual Fee $0
                                      Purchase APR 14.99 - 22.99% Variable

                                      Estimated Rewards Through 24 Months

                                      Rewards Dollars*
                                      Spending Rewards 36,000 360
                                      Bonuses
                                      Earn 10,000 bonus points if you spend $500 in the first 90 days 10,000 100
                                      Total 46,000 460

                                      Card Features

                                        Earning Rewards

                                        • 3 points for every $1 spent on air travel up to $6,000 each year
                                        • 1.5 points for every $1 spent otherwise

                                        Promotions

                                        • 10,000 bonus points after spending $500 in the first 3 months
                                        Annual Fee
                                        $0
                                        Rewards Rate
                                        1.21%
                                        Bonus
                                        $50
                                        Net Rewards
                                        $290
                                        More Details Graph Card Read Review
                                        Annual Fee $0
                                        Purchase APR 14.99 or 21.99% Variable

                                        Estimated Rewards Through 24 Months

                                        Rewards Dollars*
                                        Spending Rewards 24,000 240
                                        Bonuses
                                        Earn 5,000 points after your first purchase 5,000 50
                                        Total 29,000 290

                                        Card Features

                                          Earning Rewards

                                          • 5 points for every $1 spent on priceline.com purchases
                                          • 1 point for every $1 spent otherwise

                                          Promotions

                                          • 5,000 points after spending $1,000 in the first 3 months
                                          Annual Fee
                                          $79
                                          Rewards Rate
                                          1.18%
                                          Bonus
                                          $200
                                          Net Rewards
                                          $282
                                          More Details Graph Card Read Review
                                          Annual Fee $79
                                          Purchase APR 15.99 or 24.99% Variable

                                          Estimated Rewards Through 24 Months

                                          Rewards Dollars*
                                          Spending Rewards 24,000 240
                                          Bonuses
                                          Earn 20,000 award miles with first purchase or balance transfer 20,000 200
                                          Less Annual Fees 158
                                          Total 44,000 282

                                          Card Features

                                            Earning Rewards

                                            • 2 miles for every $1 spent on Miles and More integrated airlines
                                            • 1 mile for every $1 spent otherwise

                                            Promotions

                                            • 20,000 miles after your first purchase
                                            • Annual Companion Ticket after your first purchase
                                            Annual Fee
                                            $89
                                            Rewards Rate
                                            3.14%
                                            Bonus
                                            $630
                                            Net Rewards
                                            $754
                                            More Details Graph Card Read Review
                                            Annual Fee $89
                                            Purchase APR 15.99, 19.99 or 24.99% Variable

                                            Estimated Rewards Through 24 Months

                                            Rewards Dollars*
                                            Spending Rewards 24,000 302
                                            Bonuses
                                            Earn 50,000 miles after first purchase and payment of the $89 annual fee 50,000 630
                                            Less Annual Fees 178
                                            Total 74,000 754

                                            Card Features

                                            • US Airways Preferred or Frist Class Check-in and Priority Zone 2 Boarding on US Airways-Operated Flights
                                            • First checked bag free on eligible bags for you and 4 companions on domestic US Airways operated flights
                                            • Auto Rental Collision Damage Waiver

                                            Earning Rewards

                                            • 2 miles for every $1 spent on US Airways
                                            • 1 mile for every $1 spent otherwise

                                            Promotions

                                            • 40,000 points after your first purchase
                                            Annual Fee
                                            $0
                                            Rewards Rate
                                            1.81%
                                            Bonus
                                            $61.92
                                            Net Rewards
                                            $433
                                            More Details Graph Card Read Review
                                            Annual Fee $0
                                            Purchase APR 15.24 or 19.99% Variable

                                            Estimated Rewards Through 24 Months

                                            Rewards Dollars*
                                            Spending Rewards 48,000 372
                                            Bonuses
                                            Earn 8,000 bonus points after your first purchase 8,000 62
                                            Total 56,000 433

                                            Card Features

                                              Earning Rewards

                                              • 15 points for every $1 spent at Choice Privileges locations
                                              • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
                                              • 2 points for every $1 spent otherwise

                                              Promotions

                                              • 8,000 points after your first purchase
                                              • 24,000 points after your first paid stay at any Choice Privileges location
                                              Annual Fee
                                              $69
                                              Rewards Rate
                                              1.05%
                                              Bonus
                                              $150
                                              Net Rewards
                                              $252
                                              More Details Graph Card Read Review
                                              Annual Fee $69
                                              Purchase APR 15.24 - 19.99% Variable

                                              Estimated Rewards Through 24 Months

                                              Rewards Dollars*
                                              Spending Rewards 48,000 240
                                              Bonuses
                                              Earn 30,000 bonus points with first purchase 30,000 150
                                              Less Annual Fees 138
                                              Total 78,000 252

                                              Card Features

                                                Earning Rewards

                                                • 5 points for every $1 spent on participating hotels
                                                • 2 points for every $1 spent otherwise

                                                Promotions

                                                • 30,000 point after your first purchase
                                                Annual Fee
                                                $0
                                                Rewards Rate
                                                1.21%
                                                Bonus
                                                $50
                                                Net Rewards
                                                $290
                                                More Details Graph Card Read Review
                                                Annual Fee $0
                                                Purchase APR 14.99, 21.99 or 24.99% Variable

                                                Estimated Rewards Through 24 Months

                                                Rewards Dollars*
                                                Spending Rewards 24,000 240
                                                Bonuses
                                                0 0
                                                Earn 5,000 points after your first purchase 5,000 50
                                                Total 29,000 290

                                                Card Features

                                                  Earning Rewards

                                                  • 3 points for every $1 spent on Travelocity purchases
                                                  • 1 point for every $1 spent otherwise

                                                  Promotions

                                                  • 5,000 points after your first purchase
                                                  • 5,000 points after you spend $1,000 in the first 3 months
                                                  Annual Fee
                                                  $0
                                                  Rewards Rate
                                                  1.21%
                                                  Bonus
                                                  $50
                                                  Net Rewards
                                                  $290
                                                  More Details Graph Card Read Review
                                                  Annual Fee $0
                                                  Purchase APR 13.99, 16.99 - 20.99% Variable

                                                  Estimated Rewards Through 24 Months

                                                  Rewards Dollars*
                                                  Spending Rewards 24,000 240
                                                  Bonuses
                                                  Earn 5,000 Bonus FunPoints® when you use your card for the first time 5,000 50
                                                  Total 29,000 290

                                                  Card Features

                                                    Earning Rewards

                                                    • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
                                                    • 1 FunPoint for every $1 spent otherwise

                                                    Promotions

                                                    • 5,000 FunPoints after your first purchase
                                                    Annual Fee
                                                    $0
                                                    Rewards Rate
                                                    0.75%
                                                    Bonus
                                                    $72
                                                    Net Rewards
                                                    $180
                                                    More Details Graph Card
                                                    Annual Fee $0
                                                    Purchase APR 13.99 - 24.99% Variable

                                                    Estimated Rewards Through 24 Months

                                                    Rewards Dollars*
                                                    Spending Rewards 24,000 108
                                                    Bonuses
                                                    Earn 16,000 bonus points after your first purchase 16,000 72
                                                    Total 40,000 180

                                                    Card Features

                                                      Earning Rewards

                                                      • 15 points for every $1 spent on Best Western purchases
                                                      • 1 point for every $1 spent otherwise

                                                      Promotions

                                                      • 16,000 points after your first purchase
                                                      Annual Fee
                                                      $0
                                                      Rewards Rate
                                                      1.21%
                                                      Bonus
                                                      $50
                                                      Net Rewards
                                                      $290
                                                      More Details Graph Card
                                                      Annual Fee $0
                                                      Purchase APR 13.99, 16.99 or 20.99% Variable

                                                      Estimated Rewards Through 24 Months

                                                      Rewards Dollars*
                                                      Spending Rewards 24,000 240
                                                      Bonuses
                                                      Earn 5,000 points upon first purchase 5,000 50
                                                      Total 29,000 290

                                                      Card Features

                                                        Earning Rewards

                                                        • 2 points for every $1 spent on all Holland American purchases
                                                        • 1 point for every $1 spent otherwise

                                                        Promotions

                                                        • 5,000 points after your first purchase
                                                        Annual Fee
                                                        $79
                                                        Rewards Rate
                                                        1.18%
                                                        Bonus
                                                        $200
                                                        Net Rewards
                                                        $282
                                                        More Details Graph Card
                                                        Annual Fee $79
                                                        Purchase APR 15.99 or 24.99% Variable

                                                        Estimated Rewards Through 24 Months

                                                        Rewards Dollars*
                                                        Spending Rewards 24,000 240
                                                        Bonuses
                                                        Earn up to 20,000 award miles with first purchase 20,000 200
                                                        Less Annual Fees 158
                                                        Total 44,000 282

                                                        Card Features

                                                          Earning Rewards

                                                          • 1 mile for every $1 spent

                                                          Promotions

                                                          • 15,000 miles after your first purchase
                                                          Annual Fee
                                                          $0
                                                          Rewards Rate
                                                          1.10%
                                                          Bonus
                                                          $25
                                                          Net Rewards
                                                          $265
                                                          More Details Graph Card
                                                          Annual Fee $0
                                                          Purchase APR 13.99 or 24.99% Variable

                                                          Estimated Rewards Through 24 Months

                                                          Rewards Dollars*
                                                          Spending Rewards 24,000 240
                                                          Bonuses
                                                          Earn up to 2,500 bonus rewards after your first purchase 2,500 25
                                                          Total 26,500 265

                                                          Card Features

                                                            Earning Rewards

                                                            • 2 points for every $1 spent on RCI purchases
                                                            • 1 point for every $1 spent otherwise

                                                            Promotions

                                                            • 2,500 rewards after your first purchase
                                                            Annual Fee
                                                            $0
                                                            Rewards Rate
                                                            1.21%
                                                            Bonus
                                                            $50
                                                            Net Rewards
                                                            $290
                                                            More Details Graph Card
                                                            Annual Fee $0
                                                            Purchase APR 13.99, 16.99 or 20.99% Variable

                                                            Estimated Rewards Through 24 Months

                                                            Rewards Dollars*
                                                            Spending Rewards 24,000 240
                                                            Bonuses
                                                            Earn 5,000 Bonus Princess Points after your make your first purchase 5,000 50
                                                            Total 29,000 290

                                                            Card Features

                                                              Earning Rewards

                                                              • 2 points for every $1 spent on Princess Cruises purchases
                                                              • 1 point for every $1 spent otherwise

                                                              Promotions

                                                              • 5,000 Princess Points after your first purchase
                                                              Annual Fee
                                                              $0
                                                              Rewards Rate
                                                              2.02%
                                                              Bonus
                                                              $220
                                                              Net Rewards
                                                              $484
                                                              More Details Graph Card Read Review
                                                              Annual Fee $0
                                                              Purchase APR 14.99 or 18.99% Variable

                                                              Estimated Rewards Through 24 Months

                                                              Rewards Dollars*
                                                              Spending Rewards 24,000 264
                                                              Bonuses
                                                              20,000 bonus miles when you spend $1,000 in the first 90 days 20,000 220
                                                              Total 44,000 484

                                                              Card Features

                                                                Earning Rewards

                                                                • 2 miles for every $1 spent on travel and dining
                                                                • 1 mile for every $1 spent otherwise

                                                                Promotions

                                                                • 20,000 miles after spending $1,000 in the first 3 months
                                                                Annual Fee
                                                                $0 Intro annual fee for the first year, then $89
                                                                Rewards Rate
                                                                3.66%
                                                                Bonus
                                                                $440
                                                                Net Rewards
                                                                $879
                                                                More Details Graph Card Read Review
                                                                Annual Fee $89 ($0 Intro annual fee for the first year, then $89)
                                                                Purchase APR 14.99 or 18.99% Variable

                                                                Estimated Rewards Through 24 Months

                                                                Rewards Dollars*
                                                                Spending Rewards 48,000 528
                                                                Bonuses
                                                                40,000 bonus miles when you spend $3,000 in the first 90 days 40,000 440
                                                                Less Annual Fees 89
                                                                Total 88,000 879

                                                                Card Features

                                                                • Travel Accident and Trip Cancellation Insurance
                                                                • Baggage Insurance Plan
                                                                • Auto Rental Collision Damage Waiver
                                                                • Zero Liability On Unauthorized Charges

                                                                Earning Rewards

                                                                • 2 miles for every $1 spent

                                                                Promotions

                                                                • 40,000 miles after spending $3,000 in the first 3 months
                                                                Annual Fee
                                                                $0 Intro annual fee for the first year, then $95
                                                                Rewards Rate
                                                                0.85%
                                                                Bonus
                                                                $0
                                                                Net Rewards
                                                                $205
                                                                More Details Graph Card Read Review
                                                                Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                                                Purchase APR 15.99% Variable

                                                                Estimated Rewards Through 24 Months

                                                                Rewards Dollars*
                                                                Spending Rewards 24,000 300
                                                                Less Annual Fees 95
                                                                Total 24,000 205

                                                                Card Details

                                                                • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
                                                                • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
                                                                • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
                                                                • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
                                                                • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
                                                                • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
                                                                • 24/7 direct access to dedicated customer service specialists
                                                                • Introductory Annual Fee of $0 the first year, then $95
                                                                Annual Fee
                                                                $0
                                                                Rewards Rate
                                                                1.42%
                                                                Bonus
                                                                $100
                                                                Net Rewards
                                                                $340
                                                                More Details Graph Card Read Review
                                                                Annual Fee $0
                                                                Purchase APR 15.99% Variable

                                                                Estimated Rewards Through 24 Months

                                                                Rewards Dollars*
                                                                Spending Rewards 24,000 240
                                                                Bonuses
                                                                10,000 bonus points after spending $500 in the first three months 10,000 100
                                                                Total 34,000 340

                                                                Card Features

                                                                  Earning Rewards

                                                                  • 2 points for every $1 spent on restaurants
                                                                  • 2 points for every $1 spent on airfare or hotel accomodations booked through Chase Ultimate Rewards
                                                                  • 1 point for every $1 spent otherwise

                                                                  Promotions

                                                                  • 10,000 points after spending $500 in the first 3 months
                                                                  Annual Fee
                                                                  $395
                                                                  Rewards Rate
                                                                  -1.08%
                                                                  Bonus
                                                                  $100
                                                                  Net Rewards
                                                                  $-258
                                                                  More Details Graph Card
                                                                  Annual Fee $395
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 36,000 432
                                                                  Bonuses
                                                                  Receive a $100 statement credit after your first purchase 0 100
                                                                  Less Annual Fees 790
                                                                  Total 36,000 -258

                                                                  Card Features

                                                                  • First and Second Checked Bags Free
                                                                  • Unlimited Access to All United Clubs
                                                                  • Priority Check-In
                                                                  • Priority Security Screening

                                                                  Earning Rewards

                                                                  • 2 points for every $1 spent on United Airlines tickets
                                                                  • 1.5 points for every $1 spent otherwise

                                                                  Promotions

                                                                  • $100 statement credit after your first purchase
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $95
                                                                  Rewards Rate
                                                                  2.30%
                                                                  Bonus
                                                                  $360
                                                                  Net Rewards
                                                                  $553
                                                                  More Details Graph Card
                                                                  Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 288
                                                                  Bonuses
                                                                  Start with 30,000 bonus miles after you spend $1,000 in the first 3 months 30,000 360
                                                                  Less Annual Fees 95
                                                                  Total 54,000 553

                                                                  Card Details

                                                                  • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
                                                                  • Check your first bag for free -- save up to $100 per roundtrip
                                                                  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
                                                                  • No foreign transaction fees!
                                                                  • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
                                                                  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
                                                                  • Use your miles for any seat, any time, on any United flight
                                                                  • $0 intro annual fee for the first year, then $95
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $45
                                                                  Rewards Rate
                                                                  3.03%
                                                                  Bonus
                                                                  $580
                                                                  Net Rewards
                                                                  $727
                                                                  More Details Graph Card
                                                                  Annual Fee $45 ($0 Intro annual fee for the first year, then $45)
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 192
                                                                  Bonuses
                                                                  Receive 2 free night stay at a category 1-4 hotel 0 340
                                                                  Earn 30,000 bonus points after you spend $1,000 in your first 3 months 30,000 240
                                                                  Less Annual Fees 45
                                                                  Total 54,000 727

                                                                  Card Features

                                                                  • Purchase Protection
                                                                  • Trip Cancellation Insurance
                                                                  • Auto Rental Collision Damage Waiver
                                                                  • Lost Luggage Reimbursement

                                                                  Earning Rewards

                                                                  • 3 points for every $1 spent at Marriott locations
                                                                  • 1 point for every $1 spent otherwise

                                                                  Promotions

                                                                  • 30,000 points after you spend $1,000 in the first 3 months
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $85
                                                                  Rewards Rate
                                                                  3.65%
                                                                  Bonus
                                                                  $770
                                                                  Net Rewards
                                                                  $877
                                                                  More Details Graph Card
                                                                  Annual Fee $85 ($0 Intro annual fee for the first year, then $85)
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 192
                                                                  Bonuses
                                                                  Receive 1 Free Night Stay after account approval in Category 1-4 locations 0 170
                                                                  Earn 50,000 Points after spending $1,000 in your first 3 months from account opening 50,000 400
                                                                  Receive 1 additional Free Night Stay at a Category 1-5 location every year after your account anniversary date 200
                                                                  Less Annual Fees 85
                                                                  Total 74,000 877

                                                                  Card Details

                                                                  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
                                                                  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
                                                                  • Receive 1 additional Free Night Stay at a Category 1-5 location every year after your account anniversary date!
                                                                  • Introductory Annual Fee of $0 the first year, thereafter $85
                                                                  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
                                                                  • Receive 15 credits guaranteeing Silver Elite Status or better
                                                                  • Unlimited Point Accumulation
                                                                  • No Foreign Transaction Fees and global Chip and Signature technology
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $95
                                                                  Rewards Rate
                                                                  2.94%
                                                                  Bonus
                                                                  $500
                                                                  Net Rewards
                                                                  $705
                                                                  More Details Graph Card
                                                                  Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                                                  Purchase APR 15.24% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 30,000 300
                                                                  Bonuses
                                                                  You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening 50,000 500
                                                                  Less Annual Fees 95
                                                                  Total 80,000 705

                                                                  Card Details

                                                                  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
                                                                  • NEW: $0 Intro Annual Fee The First Year, Then $95.
                                                                  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
                                                                  • In addition to the bonus Avios, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases.
                                                                  • Pay no foreign transaction fees when you travel abroad.
                                                                  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
                                                                  Annual Fee
                                                                  $99
                                                                  Rewards Rate
                                                                  3.07%
                                                                  Bonus
                                                                  $527
                                                                  Net Rewards
                                                                  $737
                                                                  More Details Graph Card
                                                                  Annual Fee $99
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 408
                                                                  Bonuses
                                                                  Get 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account. 25,000 425
                                                                  Earn 6,000 bonus points after your Cardmember Anniversary 6,000 102
                                                                  Less Annual Fees 198
                                                                  Total 55,000 737

                                                                  Card Details

                                                                  • Get 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
                                                                  • Get 6,000 points after your Cardmember Anniversary.
                                                                  • Earn 2 points per $1 spent on Southwest Airlines® purchases made directly with the airline and on Rapid Rewards Hotel and Car Rental Partner purchases.
                                                                  • Earn 1 point per $1 spent on all other purchases.
                                                                  • Redeem points for gift cards, car rentals, cruises, hotel stays and international flights to over 800 destinations on 50+ global carriers.
                                                                  • No foreign transaction fees.
                                                                  Annual Fee
                                                                  $69
                                                                  Rewards Rate
                                                                  3.11%
                                                                  Bonus
                                                                  $476
                                                                  Net Rewards
                                                                  $746
                                                                  More Details Graph Card
                                                                  Annual Fee $69
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 408
                                                                  Bonuses
                                                                  Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account 25,000 425
                                                                  Earn 3,000 bonus points after your Cardmember Anniversary 3,000 51
                                                                  Less Annual Fees 138
                                                                  Total 52,000 746

                                                                  Card Features

                                                                  • First and Second Checked Bags Free

                                                                  Earning Rewards

                                                                  • 2 points for every $1 spent on Southwest Airlines purchases made directly with the airline
                                                                  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
                                                                  • 1 point for every $1 spent otherwise

                                                                  Promotions

                                                                  • 25,000 points after spending $1,000 in the first 3 months
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $49
                                                                  Rewards Rate
                                                                  2.15%
                                                                  Bonus
                                                                  $420
                                                                  Net Rewards
                                                                  $515
                                                                  More Details Graph Card
                                                                  Annual Fee $49 ($0 Intro annual fee for the first year, then $49)
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 144
                                                                  Bonuses
                                                                  Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening 70,000 420
                                                                  Less Annual Fees 49
                                                                  Total 94,000 515

                                                                  Card Details

                                                                  • Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
                                                                  • Enjoy a free night of card membership at over 4,700 hotels worldwide
                                                                  • Earn 5 points for each $1 spent at our hotels
                                                                  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
                                                                  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®.
                                                                  • Automatic platinum elite status, as long as you remain a cardmember
                                                                  • $0 introductory annual fee the first year, then $49
                                                                  Annual Fee
                                                                  $0 Intro annual fee for the first year, then $75
                                                                  Rewards Rate
                                                                  3.52%
                                                                  Bonus
                                                                  $500
                                                                  Net Rewards
                                                                  $845
                                                                  More Details Graph Card Read Review
                                                                  Annual Fee $75 ($0 Intro annual fee for the first year, then $75)
                                                                  Purchase APR 15.99% Variable

                                                                  Estimated Rewards Through 24 Months

                                                                  Rewards Dollars*
                                                                  Spending Rewards 24,000 420
                                                                  Bonuses
                                                                  Earn 2 free nights after spending $1,000 within the first 3 months 0 500
                                                                  Less Annual Fees 75
                                                                  Total 24,000 845

                                                                  Card Features

                                                                    Earning Rewards

                                                                    • 3 points for every $1 spent on Hyatt purchases
                                                                    • 2 points for every $1 spent at restaurants and airline tickets purchased directly from the airline and at car rental agencies
                                                                    • 1 point for every $1 spent otherwise

                                                                    Promotions

                                                                    • 2 free nights after spending $1,000 in the first 3 months
                                                                    Annual Fee
                                                                    $95
                                                                    Rewards Rate
                                                                    2.29%
                                                                    Bonus
                                                                    $500
                                                                    Net Rewards
                                                                    $550
                                                                    More Details Graph Card
                                                                    Annual Fee $95
                                                                    Purchase APR 15.99% Variable

                                                                    Estimated Rewards Through 24 Months

                                                                    Rewards Dollars*
                                                                    Spending Rewards 24,000 240
                                                                    Bonuses
                                                                    Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening 0 500
                                                                    Less Annual Fees 190
                                                                    Total 24,000 550

                                                                    Card Features

                                                                    • Lounge Club™ Membership with 2 complementray visits each year

                                                                    Earning Rewards

                                                                    • 5 points for every $1 spent on Fairmont purchases
                                                                    • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
                                                                    • 1 point for every $1 spent otherwise

                                                                    Promotions

                                                                    • 2 complimentary nights after you spend $3,000 in the first 3 months
                                                                    Annual Fee
                                                                    $395
                                                                    Rewards Rate
                                                                    -2.21%
                                                                    Bonus
                                                                    $4.929
                                                                    Net Rewards
                                                                    $-531
                                                                    More Details Graph Card
                                                                    Annual Fee $395
                                                                    Purchase APR 15.99% Variable

                                                                    Estimated Rewards Through 24 Months

                                                                    Rewards Dollars*
                                                                    Spending Rewards 24,000 254
                                                                    Bonuses
                                                                    Ear a night stay at any tier 1-4 Ritz-Carlton hotel, after you spend $3,000 on purchases in the first 3 months 465 5
                                                                    Less Annual Fees 790
                                                                    Total 24,465 -531

                                                                    Card Features

                                                                      Earning Rewards

                                                                      • 5 points for every $1 spent on Ritz-Carlton or partner hotels
                                                                      • 2 points for every $1 on airline tickets purchased directly with the airline
                                                                      • 1 point for every $1 spent otherwise

                                                                      Promotions

                                                                      • 70,000 points after spending $2,000 in the first 3 months
                                                                      Annual Fee
                                                                      $49
                                                                      Rewards Rate
                                                                      1.01%
                                                                      Bonus
                                                                      $100
                                                                      Net Rewards
                                                                      $242
                                                                      More Details Graph Card
                                                                      Annual Fee $49
                                                                      Purchase APR 15.99% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 240 240
                                                                      Bonuses
                                                                      Earn $100 Disney gift card after spending $500 in the first three months 0 100
                                                                      Less Annual Fees 98
                                                                      Total 240 242

                                                                      Card Features

                                                                      • Character Meet 'N' Greet at Disneyland and Walt Disney World
                                                                      • Theme Park Savings

                                                                      Earning Rewards

                                                                      • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
                                                                      • 1% in Disney Dream Dollars® for every $1 spent otherwise

                                                                      Promotions

                                                                      • $100 Disney gift card after spending $500 in the first 3 months
                                                                      Annual Fee
                                                                      $0
                                                                      Rewards Rate
                                                                      1.21%
                                                                      Bonus
                                                                      $50
                                                                      Net Rewards
                                                                      $290
                                                                      More Details Graph Card
                                                                      Annual Fee $0
                                                                      Purchase APR 15.99% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 240 240
                                                                      Bonuses
                                                                      Earn a $50 statement credit after first purchase 0 50
                                                                      Total 240 290

                                                                      Card Features

                                                                      • Character Meet 'N' Greet at Disneyland and Walt Disney World
                                                                      • Theme Park Savings

                                                                      Earning Rewards

                                                                      • 1% in Disney Dream Reward Dollars® for every $1 spent

                                                                      Promotions

                                                                      • $50 Disney gift card after your first purchase
                                                                      Annual Fee
                                                                      $0
                                                                      Rewards Rate
                                                                      1.83%
                                                                      Bonus
                                                                      $200
                                                                      Net Rewards
                                                                      $440
                                                                      More Details Graph Card
                                                                      Annual Fee $0
                                                                      Purchase APR 14.24% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 48,000 240
                                                                      Bonuses
                                                                      Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months 40,000 200
                                                                      Total 88,000 440

                                                                      Card Features

                                                                      • Lost Luggage Reimbursement
                                                                      • Car Rental Insurance
                                                                      • Purchase Protection
                                                                      • Zero Liability On Unauthorized Charges
                                                                      • Travel Accident Insurance

                                                                      Earning Rewards

                                                                      • 6 HHonors Bonus Points for every $1 spent with a participating hotel or resort
                                                                      • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
                                                                      • 3 points for every $1 spent otherwise

                                                                      Promotions

                                                                      • 40,000 HHonors points after spending $1,000 in the first 4 months
                                                                      Annual Fee
                                                                      $95
                                                                      Rewards Rate
                                                                      2.79%
                                                                      Bonus
                                                                      $500
                                                                      Net Rewards
                                                                      $670
                                                                      More Details Graph Card Read Review
                                                                      Annual Fee $95
                                                                      Purchase APR 15.24% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 72,000 360
                                                                      Bonuses
                                                                      Earn 2 weekend nights after spending $2,500 in the first four months 0 500
                                                                      Less Annual Fees 190
                                                                      Total 72,000 670

                                                                      Card Features

                                                                      • Lost Luggage Reimbursement
                                                                      • Car Rental Insurance
                                                                      • Purchase Protection
                                                                      • Zero Liability On Unauthorized Charges
                                                                      • Travel Accident Insurance

                                                                      Earning Rewards

                                                                      • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
                                                                      • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
                                                                      • 3 points for every $1 spent otherwise

                                                                      Promotions

                                                                      • 2 complimentary weekend nights after spending $2,500 in the first 4 months
                                                                      Annual Fee
                                                                      $0 Intro annual fee for the first year, then $95
                                                                      Rewards Rate
                                                                      3.88%
                                                                      Bonus
                                                                      $702
                                                                      Net Rewards
                                                                      $931
                                                                      More Details Graph Card Read Review
                                                                      Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                                                      Purchase APR 13.99, 17.99 or 21.99% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 24,000 324
                                                                      Bonuses
                                                                      Earn50,000 American Airlines AAdvantage bonus miles after $3,000 in purchases the first 3 months 50,000 675
                                                                      Earn 10% of redeemed miles back (up to 10,000 miles each year) 1,000 14
                                                                      Earn 10% of redeemed miles back (up to 10,000 miles each year) 1,000 14
                                                                      Less Annual Fees 95
                                                                      Total 76,000 931

                                                                      Card Features

                                                                      • First Checked Bag Free for you and up to 4 companions
                                                                      • Group 1 Boarding

                                                                      Earning Rewards

                                                                      • 2 AAdvantage miles for every $1 spent on American Airlines
                                                                      • 1 mile for every $1 spent otherwise

                                                                      Promotions

                                                                      • 30,000 AAdvantage miles after spending $1,000 in the first 3 months
                                                                      Annual Fee
                                                                      $450
                                                                      Rewards Rate
                                                                      -2.40%
                                                                      Bonus
                                                                      $0
                                                                      Net Rewards
                                                                      $-576
                                                                      More Details Graph Card
                                                                      Annual Fee $450
                                                                      Purchase APR 15.24% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 24,000 324
                                                                      Less Annual Fees 900
                                                                      Total 24,000 -576

                                                                      Card Features

                                                                      • First Checked Bag Free for you and up to 4 companions
                                                                      • Admirals Club Membership
                                                                      • Receive 25% savings on eligible in-flight purchases

                                                                      Earning Rewards

                                                                      • 2 AAdvantage miles for every $1 spent on American Airlines
                                                                      • 1 mile for every $1 spent otherwise

                                                                      Promotions

                                                                      • 30,000 AAdvantage miles after spending $1,000 in the first 3 months
                                                                      Annual Fee
                                                                      $50
                                                                      Rewards Rate
                                                                      2.34%
                                                                      Bonus
                                                                      $337.5
                                                                      Net Rewards
                                                                      $562
                                                                      More Details Graph Card Read Review
                                                                      Annual Fee $50
                                                                      Purchase APR 13.99, 17.99 or 21.99% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 24,000 324
                                                                      Bonuses
                                                                      Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months 25,000 338
                                                                      Less Annual Fees 100
                                                                      Total 49,000 562

                                                                      Card Features

                                                                      • Zero Liability On Unauthorized Charges
                                                                      • Car Rental Insurance
                                                                      • Lost Luggage Reimbursement
                                                                      • Auto Rental Collision Damage Waiver
                                                                      • Purchase Protection

                                                                      Earning Rewards

                                                                      • 1 AAdvantage mile for every $1 spent

                                                                      Promotions

                                                                      • 25,000 AAdvantage miles after spending $700 in the first 3 months
                                                                      Annual Fee
                                                                      $0
                                                                      Rewards Rate
                                                                      1.42%
                                                                      Bonus
                                                                      $100
                                                                      Net Rewards
                                                                      $340
                                                                      More Details Graph Card
                                                                      Annual Fee $0
                                                                      Purchase APR 11.99 - 23.99% Variable

                                                                      Estimated Rewards Through 24 Months

                                                                      Rewards Dollars*
                                                                      Spending Rewards 24,000 240
                                                                      Bonuses
                                                                      Earn 10,000 Bonus Points when you spend $500 during the first 90 days 10,000 100
                                                                      Total 34,000 340

                                                                      Card Features

                                                                        Earning Rewards

                                                                          Promotions

                                                                          • 10,000 FlexPoints after spending $500 in the first 4 months
                                                                          Annual Fee
                                                                          $0 Intro annual fee for the first year, then $49
                                                                          Rewards Rate
                                                                          2.73%
                                                                          Bonus
                                                                          $320
                                                                          Net Rewards
                                                                          $655
                                                                          More Details Graph Card
                                                                          Annual Fee $49 ($0 Intro annual fee for the first year, then $49)
                                                                          Purchase APR 13.99 - 23.99% Variable

                                                                          Estimated Rewards Through 24 Months

                                                                          Rewards Dollars*
                                                                          Spending Rewards 24,000 384
                                                                          Bonuses
                                                                          Earn 20,000 bonus FlexPoints if you spend $3,500 in the first 4 months 20,000 320
                                                                          Less Annual Fees 49
                                                                          Total 44,000 655

                                                                          Card Features

                                                                          • Zero Liability On Unauthorized Charges

                                                                          Earning Rewards

                                                                            Promotions

                                                                            • 20,000 FlexPoints after spending $3,500 in the first 4 months
                                                                            Annual Fee
                                                                            $75
                                                                            Rewards Rate
                                                                            2.54%
                                                                            Bonus
                                                                            $314.5
                                                                            Net Rewards
                                                                            $609
                                                                            More Details Graph Card Read Review
                                                                            Annual Fee $75
                                                                            Purchase APR 13.99 - 22.99% Variable

                                                                            Estimated Rewards Through 24 Months

                                                                            Rewards Dollars*
                                                                            Spending Rewards 120,000 444
                                                                            Bonuses
                                                                            Earn 50,000 Gold Points after your first purchase 50,000 185
                                                                            Earn 35,000 points once you spend $2,500 on your card within the first 90 days 35,000 130
                                                                            Less Annual Fees 150
                                                                            Total 205,000 609

                                                                            Card Features

                                                                            • Zero Liability On Unauthorized Charges
                                                                            • Auto Rental Collision Damage Waiver
                                                                            • Travel Accident Insurance

                                                                            Earning Rewards

                                                                              Promotions

                                                                              • 50,000 Gold Points after your first purchase
                                                                              Annual Fee
                                                                              $0 Intro annual fee for the first year, then $45
                                                                              Rewards Rate
                                                                              1.31%
                                                                              Bonus
                                                                              $138
                                                                              Net Rewards
                                                                              $314
                                                                              More Details Graph Card
                                                                              Annual Fee $45 ($0 Intro annual fee for the first year, then $45)
                                                                              Purchase APR 12.99 - 22.99% Variable

                                                                              Estimated Rewards Through 24 Months

                                                                              Rewards Dollars*
                                                                              Spending Rewards 24,000 221
                                                                              Bonuses
                                                                              Earn 15,000 bonues LifeMiles with your first card use 15,000 138
                                                                              Less Annual Fees 45
                                                                              Total 39,000 314

                                                                              Card Features

                                                                              • Zero Liability On Unauthorized Charges
                                                                              • Travel Accident Insurance
                                                                              • Auto Rental Collision Damage Waiver

                                                                              Earning Rewards

                                                                                Promotions

                                                                                • 15,000 LifeMiles after your first purchase
                                                                                Annual Fee
                                                                                $0 Intro annual fee for the first year, then $75
                                                                                Rewards Rate
                                                                                1.37%
                                                                                Bonus
                                                                                $184
                                                                                Net Rewards
                                                                                $330
                                                                                More Details Graph Card
                                                                                Annual Fee $75 ($0 Intro annual fee for the first year, then $75)
                                                                                Purchase APR 12.99 - 22.99% Variable

                                                                                Estimated Rewards Through 24 Months

                                                                                Rewards Dollars*
                                                                                Spending Rewards 24,000 221
                                                                                Bonuses
                                                                                Earn 20,000 bonus miles with your first card use 20,000 184
                                                                                Less Annual Fees 75
                                                                                Total 44,000 330

                                                                                Card Features

                                                                                • Travel Accident Insurance
                                                                                • Lost Luggage Reimbursement
                                                                                • Purchase Protection
                                                                                • Auto Rental Collision Damage Waiver

                                                                                Earning Rewards

                                                                                  Promotions

                                                                                  • 20,000 LifeMiles after your first purchase
                                                                                  Annual Fee
                                                                                  $0 Intro annual fee for the first year, then $45
                                                                                  Rewards Rate
                                                                                  2.25%
                                                                                  Bonus
                                                                                  $225
                                                                                  Net Rewards
                                                                                  $540
                                                                                  More Details Graph Card Read Review
                                                                                  Annual Fee $45 ($0 Intro annual fee for the first year, then $45)
                                                                                  Purchase APR 12.99 - 22.99% Variable

                                                                                  Estimated Rewards Through 24 Months

                                                                                  Rewards Dollars*
                                                                                  Spending Rewards 24,000 360
                                                                                  Bonuses
                                                                                  Earn 15,000 Bonus Miles with your first card use 15,000 225
                                                                                  Less Annual Fees 45
                                                                                  Total 39,000 540

                                                                                  Card Features

                                                                                  • Travel Accident Insurance
                                                                                  • Auto Rental Collision Damage Waiver

                                                                                  Earning Rewards

                                                                                    Promotions

                                                                                    • 15,000 miles after your first purchase
                                                                                    Annual Fee
                                                                                    $0 Intro annual fee for the first year, then $75
                                                                                    Rewards Rate
                                                                                    2.44%
                                                                                    Bonus
                                                                                    $300
                                                                                    Net Rewards
                                                                                    $585
                                                                                    More Details Graph Card
                                                                                    Annual Fee $75 ($0 Intro annual fee for the first year, then $75)
                                                                                    Purchase APR 12.99 - 22.99% Variable

                                                                                    Estimated Rewards Through 24 Months

                                                                                    Rewards Dollars*
                                                                                    Spending Rewards 24,000 360
                                                                                    Bonuses
                                                                                    Earn 20,000 Bonus Miles with your first card use 20,000 300
                                                                                    Less Annual Fees 75
                                                                                    Total 44,000 585

                                                                                    Card Features

                                                                                    • Travel Accident Insurance
                                                                                    • Purchase Protection

                                                                                    Earning Rewards

                                                                                      Promotions

                                                                                      • 20,000 miles after your first purchase
                                                                                      Annual Fee
                                                                                      $0 Intro annual fee for the first year, then $45
                                                                                      Rewards Rate
                                                                                      1.44%
                                                                                      Bonus
                                                                                      $150
                                                                                      Net Rewards
                                                                                      $345
                                                                                      More Details Graph Card
                                                                                      Annual Fee $45 ($0 Intro annual fee for the first year, then $45)
                                                                                      Purchase APR 12.99 - 22.99% Variable

                                                                                      Estimated Rewards Through 24 Months

                                                                                      Rewards Dollars*
                                                                                      Spending Rewards 24,000 240
                                                                                      Bonuses
                                                                                      15,000 First Use Bonus Miles after first purchase or payment of annual fee 15,000 150
                                                                                      Less Annual Fees 45
                                                                                      Total 39,000 345

                                                                                      Card Features

                                                                                      • Auto Rental Collision Damage Waiver
                                                                                      • Travel Accident Insurance
                                                                                      • Zero Liability On Unauthorized Charges

                                                                                      Earning Rewards

                                                                                        Promotions

                                                                                        • 15,000 First Use Miles after your first purchase
                                                                                        • Complimentary Companion Ticket
                                                                                        Annual Fee
                                                                                        $0 Intro annual fee for the first year, then $80
                                                                                        Rewards Rate
                                                                                        1.50%
                                                                                        Bonus
                                                                                        $200
                                                                                        Net Rewards
                                                                                        $360
                                                                                        More Details Graph Card
                                                                                        Annual Fee $80 ($0 Intro annual fee for the first year, then $80)
                                                                                        Purchase APR 12.99 - 22.99% Variable

                                                                                        Estimated Rewards Through 24 Months

                                                                                        Rewards Dollars*
                                                                                        Spending Rewards 24,000 240
                                                                                        Bonuses
                                                                                        20,000 First Use Bonus Miles after first purchase or payment of annual fee 20,000 200
                                                                                        Less Annual Fees 80
                                                                                        Total 44,000 360

                                                                                        Card Features

                                                                                        • Auto Rental Collision Damage Waiver
                                                                                        • Travel Accident Insurance
                                                                                        • Zero Liability On Unauthorized Charges

                                                                                        Earning Rewards

                                                                                          Promotions

                                                                                          • 20,000 First Use Miles after your first purchase
                                                                                          • Complimentary Companion Ticket
                                                                                          Annual Fee
                                                                                          $50
                                                                                          Rewards Rate
                                                                                          0.29%
                                                                                          Bonus
                                                                                          $50
                                                                                          Net Rewards
                                                                                          $70
                                                                                          More Details Graph Card
                                                                                          Annual Fee $50
                                                                                          Purchase APR 12.99 - 19.99% Variable

                                                                                          Estimated Rewards Through 24 Months

                                                                                          Rewards Dollars*
                                                                                          Spending Rewards 12,000 120
                                                                                          Bonuses
                                                                                          5,000 SKYPASS Bonus Miles after first purchase 5,000 50
                                                                                          Less Annual Fees 100
                                                                                          Total 17,000 70

                                                                                          Card Features

                                                                                            Earning Rewards

                                                                                              Promotions

                                                                                              • 5,000 SKYPASS Miles after your first purchase
                                                                                              Annual Fee
                                                                                              $50
                                                                                              Rewards Rate
                                                                                              1.00%
                                                                                              Bonus
                                                                                              $100
                                                                                              Net Rewards
                                                                                              $240
                                                                                              More Details Graph Card Read Review
                                                                                              Annual Fee $50
                                                                                              Purchase APR 12.99 - 19.99% Variable

                                                                                              Estimated Rewards Through 24 Months

                                                                                              Rewards Dollars*
                                                                                              Spending Rewards 24,000 240
                                                                                              Bonuses
                                                                                              10,000 SKYPASS Bonus Miles after first purchase (Bnonus Mile offer ends 08/31/14) 10,000 100
                                                                                              Less Annual Fees 100
                                                                                              Total 34,000 240

                                                                                              Card Features

                                                                                              • Auto Rental Collision Damage Waiver

                                                                                              Earning Rewards

                                                                                                Promotions

                                                                                                • 10,000 SKYPASS Miles after your first purchase
                                                                                                Annual Fee
                                                                                                $80
                                                                                                Rewards Rate
                                                                                                0.96%
                                                                                                Bonus
                                                                                                $150
                                                                                                Net Rewards
                                                                                                $230
                                                                                                More Details Graph Card
                                                                                                Annual Fee $80
                                                                                                Purchase APR 12.99 - 19.99% Variable

                                                                                                Estimated Rewards Through 24 Months

                                                                                                Rewards Dollars*
                                                                                                Spending Rewards 24,000 240
                                                                                                Bonuses
                                                                                                15,000 SKYPASS Bonus Miles after first purchase 15,000 150
                                                                                                Less Annual Fees 160
                                                                                                Total 39,000 230

                                                                                                Card Features

                                                                                                • Purchase Protection
                                                                                                • Auto Rental Collision Damage Waiver

                                                                                                Earning Rewards

                                                                                                  Promotions

                                                                                                  • 15,000 SKYPASS Miles after your first purchase
                                                                                                  Annual Fee
                                                                                                  $0 Intro annual fee for the first year, then $45
                                                                                                  Rewards Rate
                                                                                                  1.65%
                                                                                                  Bonus
                                                                                                  $200
                                                                                                  Net Rewards
                                                                                                  $395
                                                                                                  More Details Graph Card Read Review
                                                                                                  Annual Fee $45 ($0 Intro annual fee for the first year, then $45)
                                                                                                  Purchase APR 13.99 - 21.99% Variable

                                                                                                  Estimated Rewards Through 24 Months

                                                                                                  Rewards Dollars*
                                                                                                  Spending Rewards 24,000 240
                                                                                                  Bonuses
                                                                                                  Earn 20,000 bonus points after you spend $3,000 in the first 3 months 20,000 200
                                                                                                  Less Annual Fees 45
                                                                                                  Total 44,000 395

                                                                                                  Earning Rewards

                                                                                                  • 3 points for every $1 spent at US gas stations
                                                                                                  • 2 points for every $1 spent at restaurants
                                                                                                  • 1 point for every $1 spent otherwise

                                                                                                  Promotions

                                                                                                  • 20,000 points after spending $3,000 in the first 3 months
                                                                                                  Annual Fee
                                                                                                  $0 Intro annual fee for the first year, then $175
                                                                                                  Rewards Rate
                                                                                                  1.94%
                                                                                                  Bonus
                                                                                                  $400
                                                                                                  Net Rewards
                                                                                                  $465
                                                                                                  More Details Graph Card Read Review
                                                                                                  Annual Fee $175 ($0 Intro annual fee for the first year, then $175)
                                                                                                  Purchase APR 13.99 - 21.99% Variable

                                                                                                  Estimated Rewards Through 24 Months

                                                                                                  Rewards Dollars*
                                                                                                  Spending Rewards 24,000 240
                                                                                                  Bonuses
                                                                                                  Earn 40,000 bonus points after you spend $3,000 in the first 3 months 40,000 400
                                                                                                  Less Annual Fees 175
                                                                                                  Total 64,000 465

                                                                                                  Earning Rewards

                                                                                                  • 3 points for every $1 spent at airlines
                                                                                                  • 2 points for every $1 spent at hotels
                                                                                                  • 1 point for every $1 spent otherwise

                                                                                                  Promotions

                                                                                                  • 20,000 points after spending $3,000 in the first 3 months
                                                                                                  Annual Fee
                                                                                                  $0
                                                                                                  Rewards Rate
                                                                                                  1.25%
                                                                                                  Bonus
                                                                                                  $60
                                                                                                  Net Rewards
                                                                                                  $300
                                                                                                  More Details Graph Card Read Review
                                                                                                  Annual Fee $0
                                                                                                  Purchase APR 15.24 or 19.99% Variable

                                                                                                  Estimated Rewards Through 24 Months

                                                                                                  Rewards Dollars*
                                                                                                  Spending Rewards 48,000 240
                                                                                                  Bonuses
                                                                                                  12,000 bonus points with first purchase 12,000 60
                                                                                                  Total 60,000 300

                                                                                                  Card Features

                                                                                                    Earning Rewards

                                                                                                    • 5 points for every $1 spent at participating hotels
                                                                                                    • 2 points for every $1 spent otherwise

                                                                                                    Promotions

                                                                                                    • 12,000 points after your first purchase
                                                                                                    Annual Fee
                                                                                                    $0
                                                                                                    Rewards Rate
                                                                                                    2.00%
                                                                                                    Bonus
                                                                                                    $0
                                                                                                    Net Rewards
                                                                                                    $480
                                                                                                    More Details Graph Card Read Review
                                                                                                    Annual Fee $0
                                                                                                    Purchase APR 13.99% Variable

                                                                                                    Estimated Rewards Through 24 Months

                                                                                                    Rewards Dollars*
                                                                                                    Spending Rewards 48,000 480
                                                                                                    Total 48,000 480

                                                                                                    Earning Rewards

                                                                                                    • 2 points for every $1 spent

                                                                                                    Promotions

                                                                                                      Annual Fee
                                                                                                      $0
                                                                                                      Rewards Rate
                                                                                                      0.50%
                                                                                                      Bonus
                                                                                                      $0
                                                                                                      Net Rewards
                                                                                                      $120
                                                                                                      More Details Graph Card
                                                                                                      Annual Fee $0
                                                                                                      Purchase APR 8.99% Variable

                                                                                                      Estimated Rewards Through 24 Months

                                                                                                      Rewards Dollars*
                                                                                                      Spending Rewards 24,000 120
                                                                                                      Total 24,000 120

                                                                                                      Card Features

                                                                                                        Earning Rewards

                                                                                                        • 1 nRewards point for every $1 spent

                                                                                                        Promotions

                                                                                                          Annual Fee
                                                                                                          $0
                                                                                                          Rewards Rate
                                                                                                          1.00%
                                                                                                          Bonus
                                                                                                          $0
                                                                                                          Net Rewards
                                                                                                          $240
                                                                                                          More Details Graph Card
                                                                                                          Annual Fee $0
                                                                                                          Purchase APR 6.99% Variable

                                                                                                          Estimated Rewards Through 24 Months

                                                                                                          Rewards Dollars*
                                                                                                          Spending Rewards 24,000 240
                                                                                                          Total 24,000 240

                                                                                                          Card Features

                                                                                                            Earning Rewards

                                                                                                            • 1 Flexpoint for every $1 spent

                                                                                                            Promotions

                                                                                                              Annual Fee
                                                                                                              $0
                                                                                                              Rewards Rate
                                                                                                              2.00%
                                                                                                              Bonus
                                                                                                              $0
                                                                                                              Net Rewards
                                                                                                              $480
                                                                                                              More Details Graph Card Read Review
                                                                                                              Annual Fee $0
                                                                                                              Purchase APR 12.99, 17.99 or 22.99% Variable

                                                                                                              Estimated Rewards Through 24 Months

                                                                                                              Rewards Dollars*
                                                                                                              Spending Rewards 480 480
                                                                                                              Total 480 480

                                                                                                              Earning Rewards

                                                                                                              • 1% back on every $1 you spend and another 1% back when you pay it off

                                                                                                              Promotions

                                                                                                                Annual Fee
                                                                                                                $0 Intro annual fee for the first year, then $49
                                                                                                                Rewards Rate
                                                                                                                2.91%
                                                                                                                Bonus
                                                                                                                $340
                                                                                                                Net Rewards
                                                                                                                $699
                                                                                                                More Details Graph Card
                                                                                                                Annual Fee $49 ($0 Intro annual fee for the first year, then $49)
                                                                                                                Purchase APR 13.99 - 23.99% Variable

                                                                                                                Estimated Rewards Through 24 Months

                                                                                                                Rewards Dollars*
                                                                                                                Spending Rewards 24,000 408
                                                                                                                Bonuses
                                                                                                                Earn 20,000 FlexPoints after you spend $3,500 in net purchases on your card within the first four months. 20,000 340
                                                                                                                Less Annual Fees 49
                                                                                                                Total 44,000 699

                                                                                                                Card Features

                                                                                                                  Earning Rewards

                                                                                                                    Promotions

                                                                                                                      Annual Fee
                                                                                                                      $0 Intro annual fee for the first year, then $49
                                                                                                                      Rewards Rate
                                                                                                                      2.91%
                                                                                                                      Bonus
                                                                                                                      $340
                                                                                                                      Net Rewards
                                                                                                                      $699
                                                                                                                      More Details Graph Card Read Review
                                                                                                                      Annual Fee $49 ($0 Intro annual fee for the first year, then $49)
                                                                                                                      Purchase APR 13.99 - 23.99% Variable

                                                                                                                      Estimated Rewards Through 24 Months

                                                                                                                      Rewards Dollars*
                                                                                                                      Spending Rewards 24,000 408
                                                                                                                      Bonuses
                                                                                                                      Earn 20,000 FlexPoints after you spend $3,500 in net purchases on your card within the first four months. 20,000 340
                                                                                                                      Less Annual Fees 49
                                                                                                                      Total 44,000 699

                                                                                                                      Card Features

                                                                                                                        Earning Rewards

                                                                                                                          Promotions

                                                                                                                            Annual Fee
                                                                                                                            $0 Intro annual fee for the first year, then $95
                                                                                                                            Rewards Rate
                                                                                                                            0.60%
                                                                                                                            Bonus
                                                                                                                            $0
                                                                                                                            Net Rewards
                                                                                                                            $145
                                                                                                                            More Details Graph Card
                                                                                                                            Annual Fee $95 ($0 Intro annual fee for the first year, then $95)
                                                                                                                            Purchase APR 0% Variable

                                                                                                                            Estimated Rewards Through 24 Months

                                                                                                                            Rewards Dollars*
                                                                                                                            Spending Rewards 24,000 240
                                                                                                                            Less Annual Fees 95
                                                                                                                            Total 24,000 145

                                                                                                                            Card Features

                                                                                                                              Earning Rewards

                                                                                                                                Promotions

                                                                                                                                  Annual Fee
                                                                                                                                  $0
                                                                                                                                  Rewards Rate
                                                                                                                                  1.00%
                                                                                                                                  Bonus
                                                                                                                                  $0
                                                                                                                                  Net Rewards
                                                                                                                                  $240
                                                                                                                                  More Details Graph Card Read Review
                                                                                                                                  Annual Fee $0
                                                                                                                                  Purchase APR 10.99 - 22.99% Variable

                                                                                                                                  Estimated Rewards Through 24 Months

                                                                                                                                  Rewards Dollars*
                                                                                                                                  Spending Rewards 240 240
                                                                                                                                  Total 240 240

                                                                                                                                  Card Features

                                                                                                                                    Earning Rewards

                                                                                                                                      Promotions

                                                                                                                                        Annual Fee
                                                                                                                                        $0 Intro annual fee for the first year, then $25
                                                                                                                                        Rewards Rate
                                                                                                                                        1.10%
                                                                                                                                        Bonus
                                                                                                                                        $50
                                                                                                                                        Net Rewards
                                                                                                                                        $265
                                                                                                                                        More Details Graph Card
                                                                                                                                        Annual Fee $25 ($0 Intro annual fee for the first year, then $25)
                                                                                                                                        Purchase APR 22.99% Variable

                                                                                                                                        Estimated Rewards Through 24 Months

                                                                                                                                        Rewards Dollars*
                                                                                                                                        Spending Rewards 24,000 240
                                                                                                                                        Bonuses
                                                                                                                                        5,000 First Use Bonus Miles plus Complimentary Companion Certificate 5,000 50
                                                                                                                                        Less Annual Fees 25
                                                                                                                                        Total 29,000 265

                                                                                                                                        Card Features

                                                                                                                                          Earning Rewards

                                                                                                                                            Promotions

                                                                                                                                              Annual Fee
                                                                                                                                              $0
                                                                                                                                              Rewards Rate
                                                                                                                                              1.50%
                                                                                                                                              Bonus
                                                                                                                                              $0
                                                                                                                                              Net Rewards
                                                                                                                                              $360
                                                                                                                                              More Details Graph Card Read Review
                                                                                                                                              Annual Fee $0
                                                                                                                                              Purchase APR 10.99 - 22.99% Variable

                                                                                                                                              Estimated Rewards Through 24 Months

                                                                                                                                              Rewards Dollars*
                                                                                                                                              Spending Rewards 36,000 360
                                                                                                                                              Total 36,000 360

                                                                                                                                              Card Details

                                                                                                                                              • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases*.
                                                                                                                                              • Exclusive Double Miles Offer: At the end of your first year--when other Miles cards charge an annual fee--Discover doubles all the Miles you've earned.*
                                                                                                                                              • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
                                                                                                                                              • Discover pays you back for your in-flight Wi-Fi fees--up to $30 a year--with an automatic statement credit.*
                                                                                                                                              • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
                                                                                                                                              • 100% U.S. based service at your dedicated phone number--day and night.
                                                                                                                                              • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
                                                                                                                                              • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.
                                                                                                                                              Annual Fee
                                                                                                                                              $89
                                                                                                                                              Rewards Rate
                                                                                                                                              0.96%
                                                                                                                                              Bonus
                                                                                                                                              $0
                                                                                                                                              Net Rewards
                                                                                                                                              $230
                                                                                                                                              More Details Graph Card Read Review
                                                                                                                                              Annual Fee $89
                                                                                                                                              Purchase APR 15.99, 19.99 or 24.99% Variable

                                                                                                                                              Estimated Rewards Through 24 Months

                                                                                                                                              Rewards Dollars*
                                                                                                                                              Spending Rewards 24,000 408
                                                                                                                                              Less Annual Fees 178
                                                                                                                                              Total 24,000 230

                                                                                                                                              Card Features

                                                                                                                                                Earning Rewards

                                                                                                                                                  Promotions

                                                                                                                                                    Annual Fee
                                                                                                                                                    $195
                                                                                                                                                    Rewards Rate
                                                                                                                                                    0.08%
                                                                                                                                                    Bonus
                                                                                                                                                    $0
                                                                                                                                                    Net Rewards
                                                                                                                                                    $18
                                                                                                                                                    More Details Graph Card Read Review
                                                                                                                                                    Annual Fee $195
                                                                                                                                                    Purchase APR 15.99, 19.99 or 124.99% Variable

                                                                                                                                                    Estimated Rewards Through 24 Months

                                                                                                                                                    Rewards Dollars*
                                                                                                                                                    Spending Rewards 24,000 408
                                                                                                                                                    Less Annual Fees 390
                                                                                                                                                    Total 24,000 18

                                                                                                                                                    Card Features

                                                                                                                                                      Earning Rewards

                                                                                                                                                        Promotions

                                                                                                                                                          Annual Fee
                                                                                                                                                          $0
                                                                                                                                                          Rewards Rate
                                                                                                                                                          1.42%
                                                                                                                                                          Bonus
                                                                                                                                                          $100
                                                                                                                                                          Net Rewards
                                                                                                                                                          $340
                                                                                                                                                          More Details Graph Card
                                                                                                                                                          Annual Fee $0
                                                                                                                                                          Purchase APR 12.99 - 21.99% Variable

                                                                                                                                                          Estimated Rewards Through 24 Months

                                                                                                                                                          Rewards Dollars*
                                                                                                                                                          Spending Rewards 24,000 240
                                                                                                                                                          Bonuses
                                                                                                                                                          Earn 10,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months. 10,000 100
                                                                                                                                                          Total 34,000 340

                                                                                                                                                          Card Details

                                                                                                                                                          • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
                                                                                                                                                          • Earn 20% more points: Make 20 or more purchases with your Card 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); 1x points on other purchases. Terms and limitations apply.
                                                                                                                                                          • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
                                                                                                                                                          • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
                                                                                                                                                          • Terms and limitations apply.
                                                                                                                                                          Annual Fee
                                                                                                                                                          $95
                                                                                                                                                          Rewards Rate
                                                                                                                                                          0.83%
                                                                                                                                                          Bonus
                                                                                                                                                          $150
                                                                                                                                                          Net Rewards
                                                                                                                                                          $200
                                                                                                                                                          More Details Graph Card
                                                                                                                                                          Annual Fee $95
                                                                                                                                                          Purchase APR 12.99 - 21.99% Variable

                                                                                                                                                          Estimated Rewards Through 24 Months

                                                                                                                                                          Rewards Dollars*
                                                                                                                                                          Spending Rewards 24,000 240
                                                                                                                                                          Bonuses
                                                                                                                                                          Earn 15,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months. 15,000 150
                                                                                                                                                          Less Annual Fees 190
                                                                                                                                                          Total 39,000 200

                                                                                                                                                          Card Details

                                                                                                                                                          • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
                                                                                                                                                          • Earn 50% more points: 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.
                                                                                                                                                          • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
                                                                                                                                                          • You can use Membership Rewards® points to pay for all or part of your flight, prepaid hotel, vacation or cruise through amextravel.com
                                                                                                                                                          • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
                                                                                                                                                          • Terms and limitations apply.
                                                                                                                                                          Annual Fee
                                                                                                                                                          $0
                                                                                                                                                          Rewards Rate
                                                                                                                                                          1.10%
                                                                                                                                                          Bonus
                                                                                                                                                          $25
                                                                                                                                                          Net Rewards
                                                                                                                                                          $265
                                                                                                                                                          More Details Graph Card
                                                                                                                                                          Annual Fee $0
                                                                                                                                                          Purchase APR 13.99, 20.99 or 22.99% Variable

                                                                                                                                                          Estimated Rewards Through 24 Months

                                                                                                                                                          Rewards Dollars*
                                                                                                                                                          Spending Rewards 24,000 240
                                                                                                                                                          Bonuses
                                                                                                                                                          Earn 2500 bonus points which may be redeemed for a $25 cash back statement credit, just for using your card within 90 days of account opening. 2,500 25
                                                                                                                                                          Total 26,500 265

                                                                                                                                                          Card Features

                                                                                                                                                            Earning Rewards

                                                                                                                                                            • 5% back on gas and groceries (up to $250 in spending per month) and on Bookstores & Amazon (up to $750 in spending per month)
                                                                                                                                                            • 1% back on everything else

                                                                                                                                                            Promotions

                                                                                                                                                              Annual Fee
                                                                                                                                                              $0
                                                                                                                                                              Rewards Rate
                                                                                                                                                              0.00%
                                                                                                                                                              Bonus
                                                                                                                                                              $0
                                                                                                                                                              Net Rewards
                                                                                                                                                              $0
                                                                                                                                                              More Details Graph Card
                                                                                                                                                              Annual Fee $0
                                                                                                                                                              Purchase APR 0 23.99% Variable

                                                                                                                                                              Estimated Rewards Through 24 Months

                                                                                                                                                              Rewards Dollars*
                                                                                                                                                              Spending Rewards 0 0
                                                                                                                                                              Total 0 0

                                                                                                                                                              Card Features

                                                                                                                                                                Earning Rewards

                                                                                                                                                                  Promotions

                                                                                                                                                                    Annual Fee
                                                                                                                                                                    $0
                                                                                                                                                                    Rewards Rate
                                                                                                                                                                    1.00%
                                                                                                                                                                    Bonus
                                                                                                                                                                    $0
                                                                                                                                                                    Net Rewards
                                                                                                                                                                    $240
                                                                                                                                                                    More Details Graph Card
                                                                                                                                                                    Annual Fee $0
                                                                                                                                                                    Purchase APR 0 24.5% Variable

                                                                                                                                                                    Estimated Rewards Through 24 Months

                                                                                                                                                                    Rewards Dollars*
                                                                                                                                                                    Spending Rewards 48,000 240
                                                                                                                                                                    Total 48,000 240

                                                                                                                                                                    Card Features

                                                                                                                                                                      Earning Rewards

                                                                                                                                                                        Promotions

                                                                                                                                                                          Annual Fee
                                                                                                                                                                          $0
                                                                                                                                                                          Rewards Rate
                                                                                                                                                                          1.00%
                                                                                                                                                                          Bonus
                                                                                                                                                                          $0
                                                                                                                                                                          Net Rewards
                                                                                                                                                                          $240
                                                                                                                                                                          More Details Graph Card
                                                                                                                                                                          Annual Fee $0
                                                                                                                                                                          Purchase APR 0 23.99% Variable

                                                                                                                                                                          Estimated Rewards Through 24 Months

                                                                                                                                                                          Rewards Dollars*
                                                                                                                                                                          Spending Rewards 24,000 240
                                                                                                                                                                          Total 24,000 240

                                                                                                                                                                          Card Features

                                                                                                                                                                            Earning Rewards

                                                                                                                                                                              Promotions

                                                                                                                                                                                Annual Fee
                                                                                                                                                                                $0
                                                                                                                                                                                Rewards Rate
                                                                                                                                                                                1.00%
                                                                                                                                                                                Bonus
                                                                                                                                                                                $0
                                                                                                                                                                                Net Rewards
                                                                                                                                                                                $240
                                                                                                                                                                                More Details Graph Card
                                                                                                                                                                                Annual Fee $0
                                                                                                                                                                                Purchase APR 10.9, 14.9 or 22.9% Variable

                                                                                                                                                                                Estimated Rewards Through 24 Months

                                                                                                                                                                                Rewards Dollars*
                                                                                                                                                                                Spending Rewards 24,000 240
                                                                                                                                                                                Total 24,000 240

                                                                                                                                                                                Card Features

                                                                                                                                                                                  Earning Rewards

                                                                                                                                                                                    Promotions

                                                                                                                                                                                      Annual Fee
                                                                                                                                                                                      $0
                                                                                                                                                                                      Rewards Rate
                                                                                                                                                                                      1.42%
                                                                                                                                                                                      Bonus
                                                                                                                                                                                      $100
                                                                                                                                                                                      Net Rewards
                                                                                                                                                                                      $340
                                                                                                                                                                                      More Details Graph Card
                                                                                                                                                                                      Annual Fee $0
                                                                                                                                                                                      Purchase APR 12.99 - 22.99% Variable

                                                                                                                                                                                      Estimated Rewards Through 24 Months

                                                                                                                                                                                      Rewards Dollars*
                                                                                                                                                                                      Spending Rewards 240 240
                                                                                                                                                                                      Bonuses
                                                                                                                                                                                      Earn $100 cash rewards bonus if you spend $500 in the first 90 days 0 100
                                                                                                                                                                                      Total 240 340

                                                                                                                                                                                      Card Features

                                                                                                                                                                                        Earning Rewards

                                                                                                                                                                                          Promotions

                                                                                                                                                                                            Annual Fee
                                                                                                                                                                                            $0
                                                                                                                                                                                            Rewards Rate
                                                                                                                                                                                            1.21%
                                                                                                                                                                                            Bonus
                                                                                                                                                                                            $50
                                                                                                                                                                                            Net Rewards
                                                                                                                                                                                            $290
                                                                                                                                                                                            More Details Graph Card Read Review
                                                                                                                                                                                            Annual Fee $0
                                                                                                                                                                                            Purchase APR 15.99 - 22.99% Variable

                                                                                                                                                                                            Estimated Rewards Through 24 Months

                                                                                                                                                                                            Rewards Dollars*
                                                                                                                                                                                            Spending Rewards 24,000 240
                                                                                                                                                                                            Bonuses
                                                                                                                                                                                            Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles 5,000 50
                                                                                                                                                                                            Total 29,000 290

                                                                                                                                                                                            Card Features

                                                                                                                                                                                              Earning Rewards

                                                                                                                                                                                                Promotions

                                                                                                                                                                                                  Annual Fee
                                                                                                                                                                                                  $0
                                                                                                                                                                                                  Rewards Rate
                                                                                                                                                                                                  1.13%
                                                                                                                                                                                                  Bonus
                                                                                                                                                                                                  $80
                                                                                                                                                                                                  Net Rewards
                                                                                                                                                                                                  $272
                                                                                                                                                                                                  More Details Graph Card
                                                                                                                                                                                                  Annual Fee $0
                                                                                                                                                                                                  Purchase APR 13.99, 16.99 or 22.99% Variable

                                                                                                                                                                                                  Estimated Rewards Through 24 Months

                                                                                                                                                                                                  Rewards Dollars*
                                                                                                                                                                                                  Spending Rewards 24,000 192
                                                                                                                                                                                                  Bonuses
                                                                                                                                                                                                  Earn 10,000 Bonus ThankYou® Points after making $1,000 in purchases within 3 months of account opening 10,000 80
                                                                                                                                                                                                  Total 34,000 272

                                                                                                                                                                                                  Earning Rewards

                                                                                                                                                                                                    Promotions

                                                                                                                                                                                                      Annual Fee
                                                                                                                                                                                                      $0
                                                                                                                                                                                                      Rewards Rate
                                                                                                                                                                                                      3.51%
                                                                                                                                                                                                      Bonus
                                                                                                                                                                                                      $650
                                                                                                                                                                                                      Net Rewards
                                                                                                                                                                                                      $842
                                                                                                                                                                                                      More Details Graph Card Read Review
                                                                                                                                                                                                      Annual Fee $0
                                                                                                                                                                                                      Purchase APR 14.99, 16.99 or 22.99% Variable

                                                                                                                                                                                                      Estimated Rewards Through 24 Months

                                                                                                                                                                                                      Rewards Dollars*
                                                                                                                                                                                                      Spending Rewards 24,000 192
                                                                                                                                                                                                      Bonuses
                                                                                                                                                                                                      Spend $2,000 in purchases within the first 3 months of account opening, and receive credit on the purchase of a phone from AT&T, with no contract (up to $650) 0 650
                                                                                                                                                                                                      Total 24,000 842

                                                                                                                                                                                                      Earning Rewards

                                                                                                                                                                                                        Promotions

                                                                                                                                                                                                          How To Find The Best Rewards Credit Card

                                                                                                                                                                                                          If you want to look at more options than the ones we've listed, here are some considerations we think you should make in your quest to find the best rewards card. Use this guide as a framework for evaluating any credit card offers you come across to help you compare how each card might fit into your personal spending decisions.

                                                                                                                                                                                                          Take a look at your spending habits

                                                                                                                                                                                                          Consumers shopping for a rewards credit card often just want a single answer to "What is the best rewards card?" Unfortunately the answer is "It depends." Which rewards card will be the best for you will depend entirely on your personal spending, travel and credit habits. Before researching cards take a moment to consider your personal preferences, it will go a long way in helping you find the best rewards card.

                                                                                                                                                                                                          Do You Keep A Balance On Your Credit Card? In exchange for giving you bonuses and rewards, rewards credit cards will generally have a significantly higher interest rate. If you're unable to pay off the entirety of your monthly charges, you'll easily pay more in additional interest than you could earn from rewards. Rewards card are only a good option for consumers that keep very low to no credit card debt on a monthly basis. If you are having difficulty zeroing out your balance, consider a low interest credit card first. You're much better off reducing your interest payments than trying to get a percentage point or two in rewards.

                                                                                                                                                                                                          Be Honest To Yourself About How You Use Rewards: Cards that give you a large amount of rewards are great, if you use them. Americans rack up millions of dollars of frequent flyer miles, hotel loyalty points and credit card rewards that are never used. For those consumers these rewards might as well be worth 0. Take inventory of how much you travel or how much you spend in different categories since it will make a large impact in what rewards can make sense.

                                                                                                                                                                                                          You might also consider whether you're the type to save up towards one big redemption or want to be able to benefit from rewards as frequently as possible. Many loyalty program affiliated cards can require you to rack up thousands in points and miles before you can actually use them. Lastly, think about how much do you value flexibility. Aggressive consumers can get a much better dollar value out of their rewards, but it will usually limit their choices for rewards redemption. 

                                                                                                                                                                                                          How Much Are You Going To Spend On A New Card: Cards with the highest rewards rates often come with an annual fee. With many no-fee rewards credit card options available, the decision to pay an annual fee will depend on the amount you will spend on the card. As a rule of thumb, you should plan to spend at least $1,000 a month for a fee-based rewards card to be viable. 

                                                                                                                                                                                                          Understand how different cards work

                                                                                                                                                                                                          In examining the different rewards credit cards we looked at different factors that come into play when choosing the best. Understanding all these different aspects can help you figure out just how good a card really is.

                                                                                                                                                                                                          Take A Look At How The Rewards Work: While most cards use the same set of terms (points, miles, cash back), the ways these rewards work will vary tremendously. Look to see if rewards can be applied as statement credits, cash back or solely through an award redemption. Statement credits and cash back are our favorite options when available. Some cards allow you to transfer your rewards to other loyalty programs giving you another way to use what you've earned.

                                                                                                                                                                                                          Rewards Rate: If your rewards card is going to be your primary card then the rewards rate for general spending is very important. For everyday spending you can expect to earn  to 2.5% of what you spend as rewards. The more flexible the type of reward you get from the card, the lower the rewards rate you can expect. Travel rewards cards will generally have among the highest rewards rates.

                                                                                                                                                                                                          Signing Bonuses Matter: The promotions offered to new card holders are a major portion of the value you can get from a new rewards card. Earning these bonuses will require you to either make a purchase on the card or spend a certain amount within a set time limit. With the value of signing bonuses ranging from $50 - $500 making sure you can fulfill the qualifications can change the value of a card tremendously. Be sure to make sure you are eligible. You may not qualify for the signing bonus if you already have a similar credit card with the same issuer.