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Amtrak Guest Rewards® World Mastercard®: Rewarding to Dedicated Amtrak Travelers

Amtrak Guest Rewards® World MasterCard®

Amtrak Guest Rewards® World Mastercard®: Rewarding to Dedicated Amtrak Travelers

An excellent card for dedicated Amtrak travelers.
Editor's Rating: 4.5/5.0

Editor's Rating

4.5/5.0

The Bank of America Amtrak Guest Rewards® World Mastercard® is a stellar credit card for consumers who frequently travel with its affiliated railroad. Individuals looking for a card to replace their old Chase Amtrak credit card should be relieved – this card is arguably an even better offering than its predecessor.

Good For..

Bad For…
  • Frequent Amtrak Customers
  • Use outside of the United States (No FX fee)
  • Someone looking for a more flexible rewards program

Review: Is The Amtrak Guest Rewards® World Mastercard® Worth It?

The Amtrak Guest Rewards® World Mastercard® offers fantastic value to individuals who travel with the railroad company. The more money you charge to this card, the more Amtrak points you’ll earn – all of which can be used towards paying for future Amtrak travel. If you tend to travel with one or more people, the card also offers up an annual companion coupon, which will allow one person on your reservation to travel for free. If taken advantage of, all these benefits combined make the Amtrak credit card a strong contender.

To those readers looking for a replacement for their old Chase Amtrak credit card, the Bank of America version is a worthy candidate, despite the $79 annual fee. If you take advantage of either of the annual loyalty benefits, the $79 fee becomes justifiable. On top of this, the Bank of America Amtrak credit card offers more generous rewards on spending than the Chase card ever did.

If you’re looking for a more flexible travel rewards credit card, the Chase Sapphire Preferred® Card makes for a better option. Amtrak rewards points can be transferred to a few other programs, though we recommend against such a move, as it will almost always result in your point being devalued.

Bottom Line: If you travel with Amtrak at least once a year, this Bank of America Amtrak credit card is a good investment for you. Between the rewards it offers on different spending, and the loyalty cardmember benefits, the card certainly pulls its weight, and serves as a decent addition to one’s wallet.

Amtrak Guest Rewards® World Mastercard® Benefits & Features

The Amtrak credit card is a great way of earning extra Amtrak Guest Rewards points. Shopping with the card earns you 3 points for every $1 spent on Amtrak travel, 2 points per $1 on general travel spending, and 1 point per $1 elsewhere.

Amtrak Guest Rewards® World MasterCard®
Amtrak Guest Rewards® World MasterCard®
Annual Fee
$79
Purchase APR
12.99% to 22.99% Variable
Credit Needed Good
Details
  • To welcome you to your new card, you'll also receive a complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass

In addition to the above, cardholders can also earn 20,000 bonus points, if they spend at least $1,000 in purchases within 90 days of account opening. If you’re using the card to purchase Amtrak tickets, you will earn these points on top of the base Guest Rewards program (2 points per $1). This bonus is enough to pay for a roundtrip with Amtrak, within the Northeastern zone, within one zone, or between two zones. We estimate its value to be around $520 - based on the calculations shown below.

What Are Amtrak Rewards Points Worth?

On average, the value of a single Amtrak Guest Rewards point is $0.026 – more than the typical rewards points. At surface level, the points earned through the Amtrak credit card can be used to pay for travel with the railroad. The value of your points will differ, however, based upon the redemption option you go with. The table below shows some sample round-trip itineraries for coach nights.

FromToUSDPointsUSD/Point

New York City

Washington, DC$884,000$0.022

Newark

Jacksonville$1345,500$0.024

Chicago

San Diego$2598,000$0.032

Boston

Los Angeles$27610,500$0.026

Average:$0.026

If you use points to pay for Amtrak travel, you will receive 5% of those points as a rebate. Doing so will boost the value of individual points, ever so slightly. With the rebate, your average per point value comes out to $0.028. At these rates, the rewards rate of the Amtrak credit card comes out to anywhere between 2.6% and 8.4% (if you're using the card to get 3 points per $1). This is significantly higher than even the best rewards credit cards - though keep in mind your rewards will take a rather limited form (exchangable for mostly more Amtrak rides).

Transferring Amtrak Rewards Points

For the most part, transferring your Amtrak Rewards points to other programs is not a worthwhile venture. The points earned through the Amtrak credit card can be transferred to one of three hotel programs: Choice Privileges, Hilton HHonors, and Starwood Preferred Guest.

Loyalty ProgramRewardAmtrak Points Needed

Choice Privileges

15,000 Choice Privileges Points5,000

Hilton Hhonors

10,000 Hilton Hhonors Points5,000

Starwood

One Night Stay at Category 1 Hotel10,000

Starwood

One Night Stay at Category 2 Hotel15,000

Starwood

One Night Stay at Category 3 Hotel22,500

Starwood

One Night Stay at Category 4 Hotel27,500

Due to the low value of Choice Privilege and Hilton HHonors points, it is not immediately useful to move your Amtrak points to either of these currencies – at the end of the day, you’d be loosing, on average, approximately 50% of your total value. Furthermore, the using your Amtrak points to pay for Starwood hotel stays is also unfavorable to consumers - resulting in a per-point value well below $0.01. For example, one night at the Sheraton Phoenix Downtwon Hotel (Category 4), costs $99 - or 27,500 Amtrak points. This comes out to a value of $99 / 27,500 = $0.0036 per point.

Certain travel hackers may be able to find deals such that a move to one of these other rewards programs may be beneficial. However, this would require a significant time investment, and a lot of planning.

Tier Qualifying Points (TQP)

For every $5,000 you spend on your Amtrak credit card, you can earn 1,000 Tier Qualifying Points (TQPs), which count towards earning status with Amtrak. Unlocking different tiers of this elite membership grants access to additional benefits and perks. Normally, to earn TQPs one needs to travel with Amtrak – using the card to make everyday purchases can help shortcut this process.

‘Select Membership’ – the lowest tier – requires 5,000 TQPs. This status comes with a 25% bonus to the base (non-credit card rewards) Amtrak points you earn. With 10,000 TQPs earned in a single year, your base rate goes up by 50%, with Select Plus membership. The highest tier, Select Executive, is achieved with 20,000 TQPs, and gives 100% bonus on points earned through Amtrak trips.

Companion Coupon & One-Class Upgrade

When you first sign-up for the Amtrak credit card, you receive a slew of welcome gifts, including a free Companion Coupon, One-Class Upgrade, and a single-day ClubAcela® pass. Furthermore, the first two benefits mentioned – the companion coupon and one-class upgrade – will be awarded to cardholders in good standing, each account anniversary.

The Companion Coupon allows you to take one person with you on your journey, free of charge. This can prove to be a fantastic value, as it can save $100+ annually (assuming a roundtrip ride). If used, this benefit can easily cover the cost of the card’s $79 annual fee. The savings is, of course, directly proportional to cost of the trip. The more Amtrak zones you move through in your trip, the more expensive the tickets become. Note that this Companion Coupon is only usable for 1 reservation per year.

The One-Class upgrade can be used to move up from coach to business class, on a single, one-way trip per year. That is, if you book a round-trip itinerary, only one leg of it will be eligible for the upgrade. The class upgrade can also move passengers up from Acela Business class to Acela First class. To show you the potential monetary value of such an upgrade, we looked at a sample ride between NYC and Washington DC. A coach ticket costs $52, for one leg of the journey. A Business Class seat, for that same trip, costs $197. Therefore, you could potentially get a $145 value out of this small perk.

How Does The Amtrak Guest Rewards® World Mastercard® Compare to Other Credit Cards?

It’s impossible to get a sense of a card’s value in a vacuum. For this reason, we compared the Amtrak Guest Rewards® World Mastercard® to some other leading options.

Amtrak Guest Rewards® World Mastercard® vs Amtrak Guest Rewards® Platinum Mastercard®

Amtrak Guest Rewards® Platinum Mastercard®

The Amtrak Guest Rewards® Platinum Mastercard® is a ‘no annual fee’ version of the Amtrak Guest Rewards® World Mastercard®. As such, the rewards of this card are dwarfed. Most notably, the Amtrak Guest Rewards® Platinum Mastercard® does not offer any companion coupon, one-class upgrade, or ClubAcela® pass. If you have use for either the companion pass, or one-class upgrade, at least once every year, then the Amtrak Guest Rewards® World Mastercard® is the better card. Otherwise, you will need to weigh whether you spend enough money on non-Amtrak travel purchases, in order to justify the $79 annual fee. If your annual budget here exceeds $2,080, paying the fee becomes worthwhile.

Amtrak Guest Rewards® World Mastercard® vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred®, one of the best travel rewards credit cards, has historically been a good choice for those who travel with Amtrak. The Chase Ultimate Rewards points you earn with the Chase Sapphire Preferred® Card could be transferred to the Amtrak rewards program. However, at the end of 2015, Amtrak and Chase Ultimate Rewards are no longer partnered, and will not be transferable. If a majority of the travel you do is restricted to Amtrak, then the Chase Sapphire Preferred® Card won’t offer a good value – we recommend the Amtrak credit card in its stead.

Comparison Tool

Those of you who wish to receive a more personalized credit card recommendation may way to make use of our credit card comparison tool below. Enter your estimated monthly expenses by category, and we will do all the math for you – calculating the estimated returns from each credit card.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
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Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

The World Of Hyatt Credit Card
$95 4.68%
$1,080
Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening;Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening
$1,607
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $717
Bonuses
60,000 x $0.018 = $1,080
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,607

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
Southwest Rapid Rewards® Premier Credit Card
$99 3.70%
$884
6,000 bonus points after your Cardmember anniversary; Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
$1,269
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Bonuses
6,000 x $0.017 = $102
40,000 x $0.017 = $680
6,000 x $0.017 = $102
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,269

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99
APR 17.99% - 24.99% Variable

Card Details

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Southwest Rapid Rewards® Plus Credit Card
$69 3.58%
$782
3,000 bonus points after your Cardmember anniversary; Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
$1,227
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Bonuses
3,000 x $0.017 = $51
40,000 x $0.017 = $680
3,000 x $0.017 = $51
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 1,227

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $69
APR 17.99% - 24.99% Variable

Card Details

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 3,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No blackout dates or seat restrictions
  • Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.49%
$675
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
$1,198
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 68,640 x $0.009 = $618
Bonuses
75,000 x $0.009 = $675
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,198

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 17.74%-26.74% Variable
*Rates and Fees

Card Details

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
AAdvantage® Aviator® Red Mastercard®
$95 3.29%
$840
Limited Time Offer: Earn 60,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee
$1,130
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $480
Bonuses
60,000 x $0.014 = $840
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,130

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.74%, 21.74% or 26.74% Variable

Card Details

  • Limited time offer: Earn 60,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee
  • 10% of your redeemed miles back (10,000 miles maximum per calendar year)
  • Earn 2X AAdvantage® miles on eligible American Airlines purchases
  • Earn 1X AAdvantage® miles on all other purchases
  • Earn $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each calendar year
  • Receive 25% inflight savings on food and beverages
  • No foreign transaction fees
  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags
Aer Lingus Visa Signature® Card
$95 3.13%
$750
50,000 Bonus Avios after $3,000 spend within first 3 months
$1,075
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Bonuses
50,000 x $0.015 = $750
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,075

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.49% to 24.49% Variable

Card Details

  • Earn 3x Avios on Aer Lingus, British Airways, Iberia, OpenSkies and LEVEL purchases.
  • Earn 1x Avios on all other purchases.
  • Welcome bonus of 50,000 Avios after spending $3,000 within 3 months of account opening.
  • Plus earn an additional 25,000 Avios after spending $10,000 within your first year and another 25,000 Avios after spending a total $20,000 on purchases in your first year.
  • Every calendar year you make at least $30,000 in purchases earn a Companion Ticket.
  • Priority boarding on Aer Lingus flights originating in the U.S. and Ireland.
  • No foreign transaction fees.
Iberia Visa Signature® Card
$95 3.13%
$750
50,000 Avios after $3,000 spend within first 3 months
$1,075
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Bonuses
50,000 x $0.015 = $750
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,075

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.24% to 24.24% Variable

Card Details

  • Earn 3 Avios for every $1 you spend on Iberia, British Airways, Aer Lingus, LEVEL and OpenSkies purchases
  • Earn 1 Avios for every $1 you spend on all other purchases
  • 50,000 Avios after $3,000 spend within first 3 months plus 25,000 Avios after $10,000 spend within your first year
  • $1,000 Discount voucher each year you make purchases of $30,000 on your card
  • 10% Off Iberia flights when you use your Iberia Visa Signature Card to book your flight on iberia.com/chase10
  • No FX Fees
Southwest Rapid Rewards® Priority Credit Card
$149 3.18%
$808
7,500 anniversary points each year.; Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
$1,093
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Bonuses
7,500 x $0.017 = $128
40,000 x $0.017 = $680
Less Annual Fees -$298
Total Net Estimated Rewards Through 24 Months 1,093

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $149
APR 17.99% - 24.99% Variable

Card Details

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest® travel credit each year.
  • 4 upgraded boardings per year when available.
  • 20% back on inflight purchases made with your Southwest Rapid Rewards® Priority Credit Card.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
United℠ Explorer Card
$0 Intro for First Year, then $95 2.98%
$560
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
$1,023
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.014 = $558
Bonuses
40,000 x $0.014 = $560
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,023

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for First Year, then $95
APR 17.99% - 24.99% Variable

Card Details

  • Limited time offer! Earn up to 65,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 Ultimate Rewards when you spend $4,000 on purchases in the first 3 months.
$1,028
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for the First Year, then $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Capital One® Venture® Rewards Credit Card
$0 intro for first year; $95 after that 3.18%
$500
Receive 50,000 miles once you spend $3,000 within the first 3 months
$1,091
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,091

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 14.74% - 24.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Hilton Honors American Express Ascend Card
$95 3.56%
$625
Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 within the first 3 months.
$1,223
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 157,680 x $0.005 = $788
Bonuses
125,000 x $0.005 = $625
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,223

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.74%-26.74% Variable
*Rates and Fees

Card Details

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Capital One® Savor® Cash Rewards Credit Card
$0 intro for first year; $95 after that 2.89%
$500
A $500 bonus after spending $3,000 on purchases within the first three months of account opening
$993
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 58,800 x $0.01 = $588
Bonuses
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 993

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 16.24% - 25.24% (Variable)

Card Details

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Amtrak Guest Rewards® World MasterCard®
Image of Amtrak Guest Rewards® World MasterCard® $79 2.55%
$380
Get 20,000 bonus points after you spend $1,000 in purchases on your new card within 90 days of account opening
$874
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.019 = $652
Bonuses
20,000 x $0.019 = $380
Less Annual Fees -$158
Total Net Estimated Rewards Through 24 Months 874

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • To welcome you to your new card, you'll also receive a complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass
Marriott Rewards® Premier Plus Credit Card
$95 2.68%
$560
Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
$919
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $549
Bonuses
70,000 x $0.008 = $560
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 919

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X points for every $1 spent on all other purchases.
  • Guaranteed Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster.
Wells Fargo Propel American Express® Card
$0 2.48%
$300
30K bonus points after you spend $3,000 in purchases in the first 3 months
$850
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 54,960 x $0.01 = $550
Bonuses
30,000 x $0.01 = $300
Total Net Estimated Rewards Through 24 Months 850

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49%-26.99% (Variable)

Card Details

  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Citi® Hilton HHonors™ Reserve Card
$95 2.40%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.99%

Card Details

  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap
Orbitz Rewards Visa Card
No Annual Fee 2.15%
$50
$736
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 686 x $1 = $686
Bonuses
0 x $1 = $0
0 x $1 = $50
Total Net Estimated Rewards Through 24 Months 736

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24%, 20.24% or 25.24% Variable

Card Details

  • No annual fee
  • Complimentary Orbitz Rewards Gold Status
  • No foreign transaction fees
Virgin America Premium Visa Signature® Card
Image of Virgin America Premium Visa Signature® Card $149 2.01%
$300
Earn 15,000 bonus points after making $1,000 in purchases within the first 90 days
$688
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.02 = $686
Bonuses
0 x $0.02 = $0
15,000 x $0.02 = $300
Less Annual Fees -$298
Total Net Estimated Rewards Through 24 Months 688

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $149
APR 16.23%, 20.24% or 25.24% Variable

Card Details

  • 20% discount on in-flight purchases (excluding Wi-Fi)
  • 1 free checked bag for you plus one traveling companion
  • Priority boarding on Virgin America operated flights
  • $150 discount on companion fare each year
Discover it® Miles
$0 2.25%
$257
INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Uber Visa Card
No Annual Fee 1.77%
$100
$609
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 50,880 x $0.01 = $509
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 609

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.74%, 22.49% or 25.49% Variable

Card Details

  • 4% back on dining at restaurants, takeout, bars and UberEats
  • 3% back on hotel and airfare
  • 2% back for online purchases, including Uber, online shopping, video and music streaming services
  • 1% back on everything else
  • $100 cash back when you spend at least $500 on purchases within the first 90 days
  • Up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year
  • Up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card
  • Receive invites to exclusive events and offers in select U.S. cities
  • No foreign transaction fees
  • Redeem points for Uber credits, gift cards, or cash back
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.18%
$500
Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening
$748
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $0
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year
TD First Class℠ Visa Signature® Credit Card
Image of TD First Class℠ Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $89 1.79%
$250
Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases
$615
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 45,360 x $0.01 = $454
Bonuses
0 x $0.01 = $0
25,000 x $0.01 = $250
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 615

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $89
APR 14.24%

Card Details

  • Earn 15,000 bonus miles with your first purchase, plus earn 10,000 bonus miles when you spend $3,000 in the first 6 billing cycles after account opening
  • 3% rewards rate on dining and travel purchases
  • 1% rewards rate on all other eligible purchases
  • No foreign transaction fee
  • 0% introductory APR for first 12 billing cycles after account opening. After that, 14.24%
BankAmericard Travel Rewards® Credit Card
No Annual Fee 2.08%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.99% - 22.99% Variable

Card Details

  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned
Capital One® SavorOne℠ Cash Rewards Credit Card
$0 1.99%
$150
A $150 bonus after spending $500 on purchases within the first three months of account opening
$683
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 53,280 x $0.01 = $533
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 683

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 24.74% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Barclaycard Arrival Plus® World Elite Mastercard®
$89 (waived first year) 1.84%
$0
Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
$632
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $721
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 632

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89 (waived first year)
APR 17.99%, 21.99% or 24.99% variable based on your creditworthiness

Card Details

  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
TRIO℠ Credit Card
No Annual Fee 1.98%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$681
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 58,080 x $0.01 = $581
Bonuses
0 x $0.01 = $0
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 681

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

Capital One® VentureOne® Rewards Credit Card
$0 1.83%
$200
Receive 20,000 miles once you spend $1,000 within the first 3 months
$629
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,900 x $0.01 = $429
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 629

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 23.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.82%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
0 x $0.013 = $0
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • Hotel card for boutique hotels
  • 3 points per dollar spent at Stash Partner Hotels
  • 2 points per dollar on other hotels, dining and gas
  • 1 point per dollar everywhere else
  • Points never expire
  • 10,000 bonus points when you spend $1,500 within 90 days of opening your account
Hilton Honors American Express Aspire Card
Image of Hilton Honors American Express Aspire Card $450 1.38%
$750
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 within the first 3 months.
$475
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 125,040 x $0.005 = $625
Bonuses
150,000 x $0.005 = $750
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 475

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 17.74% - 26.74% Variable

Card Details

  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status
  • One Weekend Night Reward at a hotel or resort in the Hilton portfolio with your new Card and each year of Card Membership
  • A second Weekend Night Reward at a hotel or resort in the Hilton portfolio after spending $60,000 in purchases on the Card in a calendar year
  • Unlimited Priority Pass™Lounge passes to ease the airport experience
  • $250 Airline incidental fee statement credit
  • $250 Hilton resort statement credit
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • Access to 24/7 American Express concierge
  • No foreign transaction fees
IHG® Rewards Club Premier Credit Card
$89 1.95%
$512
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
$670
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
80,000 x $0.006 = $512
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 670

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 17.99% - 24.99% Variable

Card Details

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
IHG® Rewards Club Traveler Credit Card
$29 1.93%
$384
Earn 60,000 bonus points after spending $2,000 in the first 3 months from account opening.
$662
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
60,000 x $0.006 = $384
Less Annual Fees -$58
Total Net Estimated Rewards Through 24 Months 662

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $29
APR 17.49% to 24.49% Variable

Card Details

  • Receive 60,000 bonus points after spending $2,000 in purchases within 3 months of account opening
  • Cardholders that spend $10,000 on purchases in a calendar year are eligible for Gold Elite status in the IHG Rewards Club
U.S. Bank Altitude Reserve
Image of U.S. Bank Altitude Reserve $400 -0.83%
$0
50,000 points after you spent at least $4,500 on purchases within the first 90 days
$-285
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Bonuses
0 x $0.015 = $0
Less Annual Fees -$800
Total Net Estimated Rewards Through 24 Months -285

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $400
APR

Card Details

  • 50,000 points after you spent at least $4,500 on purchases within the first 90 days
  • $325 annual travel credit
  • Airport lounge access through Priority Pass Select, TSA PreCheck Credit
  • 3x points on all mobile wallet and travel purchases
  • 1x points on all other transactions
  • $75 annual fee per authorized user
  • Available only to current U.S. Bank customers who have an eligible bank account open for a minimum of 35 days
  • 12 Gogo Wifi Passes per year, US & Canada only, and one segment only
  • Up to 30% off Silvercar rentals of two days or more
  • Visa Infinite Luxury Hotel Collection
  • Relais & Chateaux Boutique Luxury Hotels benefits
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.77%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free
TD Cash Credit Card
Image of TD Cash Credit Card No Annual Fee 1.45%
$100
$150 cash back when you spend $500 within 90 days after account opening
$498
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
0 x $0.01 = $0
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 498

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.99% or 23.99% Variable

Card Details

  • $150 cash back when you spend $500 within 90 days after account opening
  • 2% cash back on dining purchases from your local deli to fast food, coffee shops, casual restaurants and fine dining
  • 1% cash back on all other eligible purchases
  • No foreign transaction fee
  • 0% introductory APR for first 12 billing cycles after account opening. After that, 13.99%, 18.99% or 23.99%
Hawaiian Airlines® World Elite Mastercard®
$89 1.50%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$515
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 515

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99%, 20.99% or 25.99% Variable

Card Details

  • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
  • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • No foreign transaction fees
Ritz-Carlton Rewards Credit Card
$395 1.47%
$930
Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
$504
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $0
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $395
APR 15.99%

Card Details

  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year
Discover it® Cash Back
$0 1.50%
$171
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Balance Transfer
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it®
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Discover it® Student Cash Back
$0 1.50%
$171
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.99% - 23.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Student chrome
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.99% - 23.99% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% Variable

Card Details

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • We automatically match all the cash back you’ve earned at the end of your first year.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
My Best Buy Visa® Card
No Annual Fee 1.53%
$0
$526
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 26,280 x $0.02 = $526
Bonuses
0 x $0.02 = $0
0 x $0.02 = $0
Total Net Estimated Rewards Through 24 Months 526

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 25.24%

Card Details

  • 6/12/18/24 Month Financing Options
National Geographic Platinum Edition® Visa®
No Annual Fee 1.15%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$393
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $0
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Disney Rewards Visa® Credit Card
Image of Disney Rewards Visa® Credit Card No Annual Fee 1.15%
$50
Earn a $50 statement credit after first purchase
$393
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $0
0 x $1 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99%

Card Details

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
Disney Premier Visa® Credit Card
$49 1.01%
$100
Earn $100 Disney gift card after spending $500 in the first three months
$345
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $0
0 x $1 = $100
Less Annual Fees -$98
Total Net Estimated Rewards Through 24 Months 345

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $49
APR 15.99%

Card Details

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World
Journey® Student Rewards from Capital One®
$0 1.00%
$0
$343
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Deserve® Edu Mastercard For Students
No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 20.24%

Card Details

  • 1% unlimited cash back on All purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading ($49.99 value)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel
  • Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
Miles & More® World Elite Mastercard®
Image of Miles & More® World Elite Mastercard® $89 0.88%
$0
$302
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $480
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 302

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
Celebrity Cruises® Visa Signature® Credit Card
$69 0.89%
$100
Get 10,000 MyCruise Points after making a transaction within 65 days of account opening; $300 discount off a future cruise of at least 7 nights or more in a Concierge Class stateroom, after $5,000 in transactions within your first 60 days
$305
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
10,000 x $0.01 = $100
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 305

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $69
APR 12.99% to 22.99% Variable

Card Details

  • No foreign transaction fees for non-US transactions
Expedia®+ Voyager Card from Citi
$95 0.79%
$178
Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening
$270
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.007 = $283
Bonuses
25,000 x $0.007 = $178
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 270

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.74% - 23.74% Variable

Card Details

  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening, redeemable for $350 towards your stay at a +VIP Access™ hotel
  • Earn 4 points per $1 spent on eligible Expedia purchases
  • Earn 2 points per $1 spent on dining at restaurants and entertainment
  • Earn 1 point per $1 spent on other purchases
  • $100 annual air travel fee credit
  • Enjoy Expedia+ gold status each year of cardmembership
  • Earn an anniversary bonus of 5,000 Expedia+ bonus points after you spend $10,000 in the prior cardmembership year
  • No foreign transaction fees on purchases
Citi Prestige® Card
$450 0.47%
$532
Earn 40,000 bonus ThankYou points after you spend $3000
$162
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $530
Bonuses
0 x $0.013 = $0
40,000 x $0.013 = $532
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 162

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
Penfed Promise Visa® Card
Image of Penfed Promise Visa® Card No Annual Fee 0.29%
$100
$100 bonus statement credit when you spend $1,500 on purchases in the first 90 days.
$100
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 8.99% to 17.99% Variable

Card Details

HSBC Gold Mastercard® credit card
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period
*Rates and Fees

Card Details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Barclaycard Ring® Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.99% Variable

Card Details

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees
US Bank College Visa® Card
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $0
0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.99% - 20.99% Variable

Card Details

US Bank Visa® Platinum Card
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 11.24% - 23.24%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges
  • Cell Phone Protection
Capital One® Platinum Credit Card
$0 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Platinum Card® from American Express Exclusively for Mercedes-Benz
Image of Platinum Card® from American Express Exclusively for Mercedes-Benz $475 -0.31%
$500
50,000 Membership Rewards® points after you charge $3,000 in purchases on the Card within the first three months of Card Membership
$-107
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 34,320 x $0.01 = $343
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$950
Total Net Estimated Rewards Through 24 Months -107

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $475
APR

Card Details

  • Up to 2,000 excess miles waived at lease-end on leases through Mercedes-Benz Financial Services
  • $100 certificate at renewal of your Card account, good toward Genuine Mercedes-Benz Accessories
  • Priority Pass Membership
The Platinum Card® from American Express
$550 -1.04%
$400
$200 Airline Fee Credit per calendar year in statement credits when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Account; Earn 60,000 points after you spend $5,000 on purchases on your new card in your first 3 months
$-357
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $400
Less Annual Fees -$1,100
Total Net Estimated Rewards Through 24 Months -357

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $550
APR N/A
*Rates and Fees

Card Details

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Citi® / AAdvantage® Executive World Elite™ Mastercard®
$450 -1.27%
$0
Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
$-437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 17.74% - 25.74%* (Variable)

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and access for guests traveling with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation*
Mastercard® Black Card™
$495 -1.38%
$0
$-475
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Less Annual Fees -$990
Total Net Estimated Rewards Through 24 Months -475

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $495
APR 16.99% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Centurion® Card from American Express
Image of Centurion® Card from American Express $2500 -28.14%
$0
$-9,657
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
Less Annual Fees -$10,000
Total Net Estimated Rewards Through 24 Months -9,657

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $2500
APR

Card Details

  • Complimentary Starwood Preferred Guest Gold & Hilton Honors Diamond Status
  • IHG Priority Club Rewards Platinum Elite
  • Centurion Hotel Program which includes various benefits at Aman, Belmond, Mandarin Oriental, Peninsula and St. Regis Hotels
  • Delta SkyMiles Platinum Medallion
  • Centurion International Arrival Services
  • Gogo In-Flight Wi-Fi
  • Boingo Wi-Fi
  • 30% Membership Rewards Bonus when you use points for airline statement credit
  • Centurion Airport Lounge Access
  • Priority Pass Select
  • Credit for Global Entry or TSA PreCheck
  • $200 Airline Fee Credit

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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