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The Best Rewards Credit Cards of 2016

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by  updated on 09/04/2016

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 2016 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.

Chase Sapphire Preferred® CardBest Airline Miles Rewards

The Chase Sapphire Preferred® Card 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 Chase Sapphire Preferred® Card is one of your best options. While the cards mentioned below will have a better overall rate on general spending categories, the Chase Sapphire Preferred® Card performs much better if you tie yourself to their Ultimate Rewards program. In doing so, you can earn as much as 2.5% of your total spending in rewards on dining and travel. An additional benefit of the Chase Sapphire Preferred® Card, 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. Chase has recently upped the welcome bonus on the card to 50,000 UR points, making it also one of the best signup promos for 2016.

Highlights

  • Rewards Rate: 1.25 - 2.5%
  • Signing Bonus: Earn 50,000 bonus points worth $625 in Travel Rewards when redeemed through Chase Ultimate Rewards® 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

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 2.4 cents per point. On general spending alone the card rewards you with 2.4% 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: 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
  • Rewards Rate: 2.4% - 4.8%

    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 Credit Card: 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 Capital One® Quicksilver® Cash Rewards Credit Card 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 early spend 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 this card.  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
    • Early spend Bonus: $100 bonus after you spend $500 in the first 3 months
    • No Annual Fee

    Related Resources

    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 2.1% 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.

    Chase Sapphire Reserve℠: Best Rewards-Luxury Card Hybrid

    The Chase Sapphire Reserve℠ is a hybrid between a rewards card and a premium credit card. For a hefty annual fee of $450, cardholders get access to some of the best rewards rates of any credit card, the highest credit card welcome bonus, and a slew of ancinilary travel benefits. The Chase Sapphire Reserve℠ gives a 4.5% rewards rate on travel and dining out, and 1.5% on everything else. Those who spend at least $4,000 on the card within the first 3 months of account opening can qualify for 100,000 bonus points. That works out to a $1,500 value when redeemed for travel through the Ultimate Rewards portal.

    Like many $450 credit cards, the Chase Sapphire Reserve℠ comes with Priority Pass Select. This gives access to over 900 airport lounges worldwide – a good benefit to anyone who calls an airport their second home. Additionally, frequent travelers are sure to benefit from the $300 annual travel credit. Once you make a purchase on the Chase Sapphire Reserve℠ that is coded as ‘travel’ you’ll be reimbursed, up to $300 each year. That alone makes up for most of the annual fee.

    Highlights

    • Rewards Rate: 1.5 – 4.5%
    • Signing Bonus: Earn 100,000 bonus points worth $625 in Travel Rewards when redeemed through Chase Ultimate Rewards® when you spend $4,000 on purchases in the first 3 months from account opening.
    • $300 annual travel credit
    • Priority Pass Select membership grants access to airport lounges

    Barclaycard Arrival World MasterCard: Best No Annual 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

    Summary Of Best Rewards Credit Cards

    For those of you who want a quick answer to which cards made our 'Top Rewards' list and why, the table below summarizes the key facts.

    Best For... Card  Rewards Earn Rate Annual Fee
    Hotel Rewards Starwood Preferred Guest® Credit Card from American Express 2x points on Starwood Purchases, 1x on everything else $0 introductory annual fee for the first year, then $95
    All Around Travel Rewards  Barclaycard Arrival Plus™ World Elite MasterCard® 2x miles on all purchases $89 - Waived first year
    Earning Airline Miles Chase Sapphire Preferred® Card 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases $0 Intro for the First Year. Then $95
    Flat Rate Cash Back Citi Double Cash Card 2% rewards rate on all purchases $0
    Rewards-Luxury Card Hybrid Chase Sapphire Reserve℠ 3X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases $450
    No Annual Fee Travel Rewards Barclaycard Arrival™ World MasterCard® 2X miles on travel & dining and 1X miles on all other purchases $0
    Cash Back with Bonus Capital One® Quicksilver® Cash Rewards Credit Card Unlimited 1.5% cash back on every purchase $0

    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.

    Monthly Spend: $1,430
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    Card Annual Fee Net Rewards Rate

    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.

    The 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.

    Bonus

    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.

    The 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.

    Rewards Value

    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.

    The 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.

    Southwest Airlines Rapid Rewards® Premier Credit Card
    Southwest Airlines Rapid Rewards® Premier Credit Card Image $99 3.72% $952 $1,337
    Apply Now Graph Card Read Review More Details
    Annual Fee $99
    APR 16.24% - 23.24% Variable

    Card Details

    • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
    • Chip-enabled cards with 24/7 fraud monitoring
    • Points Don't Expire as long as your card account is open, No Blackout Dates, Bags Fly Free®
    • 6,000 points after your Cardmember Anniversary every year
    • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
    • 1 point/$1 spent on all other purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 583
    Bonuses
    50,000 850
    6,000 102
    Less Annual Fees 198
    Total 90,320 1,337
    Barclaycard Arrival Plus™ World Elite MasterCard®
    Barclaycard Arrival Plus™ World Elite MasterCard® Image $89-Waived first year 3.21% $525 $1,157
    Apply Now Graph Card Read Review More Details
    Annual Fee $89-Waived first year
    APR 16.24%, 20.24% or 23.24% Variable

    Card Details

    • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
    • Earn 2X miles on all purchases
    • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • Miles don't expire as long as your account is open, active and in good standing
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 721
    Bonuses
    50,000 525
    Less Annual Fees 89
    Total 118,640 1,157
    Chase Sapphire Preferred® Card
    Chase Sapphire Preferred® Card Image $0 Intro for the First Year. Then $95 2.86% $625 $1,028
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro for the First Year. Then $95
    APR 16.24%-23.24% 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®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 498
    Bonuses
    50,000 625
    Less Annual Fees 95
    Total 89,840 1,028
    Capital One® Venture® Rewards Credit Card
    Capital One® Venture® Rewards Credit Card Image $0 intro for first year; $59 after that 2.85% $400 $1,027
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 intro for first year; $59 after that
    APR 13.24% - 23.24% (Variable)

    Card Details

    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 686
    Bonuses
    40,000 400
    Less Annual Fees 59
    Total 108,640 1,027
    Marriott Rewards® Premier Credit Card
    Marriott Rewards® Premier Credit Card Image $85 2.75% $840 $989
    Learn More Graph Card Read Review More Details
    Annual Fee $85
    APR 16.24% to 23.24% Variable

    Card Details

    • Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
    • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
    • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
    • Earn unlimited Marriott Rewards points and get free stays faster
    • Earn 5 points for every $1 spent at 4,000 Marriott locations, 2 points for every $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants and 1 point everywhere else
    • The fastest way to earn Marriott Rewards points towards free nights
    • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better. Plus, Earn 1 Elite Credit for every $3,000 spent on purchases
    • All for an $85 Annual Fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 319
    Bonuses
    80,000 640
    200
    Less Annual Fees 170
    Total 119,840 989
    U.S. Bank FlexPerks® Gold American Express® Card
    U.S. Bank FlexPerks® Gold American Express® Card Image $85 2.42% $390 $872
    Apply Now Graph Card More Details
    Annual Fee $85
    APR 14.24% to 24.24% Variable

    Card Details

    • 3 points per dollar on restaurants purchases
    • 2 points per dollar for airline and gas station purchases
    • 1 point per dollar everywhere else
    • Up to a $25 airline allowance with every award travel ticket good towards baggage fees, in-flight treats and more
    • Redemption starts at 5,000 FlexPoints for merchandise , cash back, gift cards, statement credits and more
    • TSA PreCheck or Global Entry automatic statement credit reimbursement for whichever program you apply for first
    • No Foreign Transaction Fees

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 50,160 652
    Bonuses
    30,000 390
    Less Annual Fees 170
    Total 80,160 872
    Hilton HHonors™ Card from American Express
    Hilton HHonors™ Card from American Express Image $0 2.63% $250 $947
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 15.49%-19.49% Variable

    Card Details

    • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
    • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
    • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
    • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
    • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
    • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
    • Terms and conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 139,440 697
    Bonuses
    50,000 250
    Total 189,440 947
    Citi® Hilton HHonors™ Reserve Card
    Citi® Hilton HHonors™ Reserve Card Image $95 2.29% $500 $825
    Apply Now Graph Card Read Review More Details
    Annual Fee $95
    APR 15.24%

    Card Details

    • Earn 2 weekend nights after spending $2,500 in the first four months
    • 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
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 102,960 515
    Bonuses
    0 500
    Less Annual Fees 190
    Total 102,960 825
    United MileagePlus® Explorer Card
    United MileagePlus® Explorer Card Image $0 intro annual fee for the first year, then $95 2.24% $420 $805
    Learn More Graph Card Read Review More Details
    Annual Fee $0 intro annual fee for the first year, then $95
    APR 16.24% Variable

    Card Details

    • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
    • 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 tickets purchased from United, and 1 mile per $1 on all other purchases
    • Your miles don't expire as long as your credit card account is open, 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 480
    Bonuses
    30,000 420
    Less Annual Fees 95
    Total 64,320 805
    Citi® / AAdvantage® Platinum Select® MasterCard®
    Citi® / AAdvantage® Platinum Select® MasterCard® Image $0 Intro Annual Fee for the first year then $95 2.22% $432 $800
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $95
    APR 13.99%, 17.99% or 21.99% Variable

    Card Details

    • Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases the first 3 months
    • 2 AAdvantage miles for every $1 spent on American Airlines
    • 1 mile for every $1 spent otherwise
    • First checked bag free for you and up to four traveling companions
    • Priority boarding
    • 25% discount on in-flight purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 463
    Bonuses
    30,000 405
    1,000 14
    1,000 14
    Less Annual Fees 95
    Total 66,320 800
    Club Carlson Premier Rewards Visa Signature Card
    Club Carlson Premier Rewards Visa Signature Card Image $75 2.22% $315 $799
    Apply Now Graph Card Read Review More Details
    Annual Fee $75
    APR 13.99% - 22.99% Variable

    Card Details

    • Earn 50,000 Gold Points after your first purchase
    • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
    • 10 points per $1 spent at Carlson Rezidor hotels
    • 5 points per $1 spent everywhere else
    • Automatic upgrade to Gold Elite Status
    • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
    • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
    • Visa Signature concierge privileges
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
    • Subject to credit approval

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 171,600 635
    Bonuses
    50,000 185
    35,000 130
    Less Annual Fees 150
    Total 256,600 799
    Marriott Rewards® Credit Card
    Marriott Rewards® Credit Card Image $0 Intro Annual Fee for the first year then $45 2.25% $580 $810
    Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 15.99%

    Card Details

    • Earn 30,000 bonus points after you spend $1,000 in your first 3 months
    • 2 free nights (at category 1 - 4 hotels)
    • 3 points for every $1 spent at Marriott locations
    • 1 point for every $1 spent otherwise
    • One free Elite Night for every $3,000 spent on Marriott card
    • Unlimited points accumulation
    • Several types of purchase and travel protection features

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 275
    Bonuses
    0 340
    30,000 240
    Less Annual Fees 45
    Total 64,320 810
    LANPASS Visa Signature Card
    LANPASS Visa Signature Card Image $0 Intro Annual Fee for the first year then $75 2.06% $300 $740
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $75
    APR 12.99% - 22.99% Variable

    Card Details

    • Earn 20,000 Bonus Miles with your first card use
    • 2 miles per $1 spent on LAN ticket purchases
    • 1 LANPASS mile for every $1 you spend
    • Get 3 one-way upgrade coupons for free each year
    • 20% discount on their first LAN purchase (up to $1,000) each year
    • Receive flight mileage bonus of 25% on top of actual miles accrued on every LAN or Affiliate carriers' flight
    • Redeem LANPASS miles or kilometers for flights on LAN or OneWorld partners
    • Free Annual Account Summary
    • Access to Visa Signature concierge privileges for shopping, entertainment, travel, and sports
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
    • No Preset Spending Limit

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 515
    Bonuses
    20,000 300
    Less Annual Fees 75
    Total 54,320 740
    Fairmont Visa Signature® Credit Card
    Fairmont Visa Signature® Credit Card Image $0 Intro Annual Fee for the first year then $95 2.08% $500 $748
    Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $95
    APR 15.99%

    Card Details

    • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
    • 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
    • $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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    0 500
    Less Annual Fees 95
    Total 34,320 748
    Gold Delta SkyMiles® Credit Card from American Express
    Gold Delta SkyMiles® Credit Card from American Express Image $0 introductory annual fee for the first year, then $95. 2.02% $410 $727
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0 introductory annual fee for the first year, then $95.
    APR 15.49%-19.49% Variable

    Card Details

    • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all 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.
    • Enjoy a $0 introductory annual fee for the first year, then $95.
    • Terms and Conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 412
    Bonuses
    0 50
    30,000 360
    Less Annual Fees 95
    Total 64,320 727
    JetBlue Plus Card
    JetBlue Plus Card Image $99 1.83% $330 $657
    Apply Now Graph Card Read Review More Details
    Annual Fee $99
    APR 12.24%, 20.24% or 25.24% variable

    Card Details

    • Earn 30,000 bonus points after you spend $1,000 in purchases within the first 90 days
    • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
    • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
    • Points awarded in your TrueBlue account don't expire. Earn and share points together with Family Pooling
    • Earn 5,000 bonus points every year after your account anniversary
    • 50% savings on eligible inflight purchases including cocktails, food and movies & your first checked bag is free on JetBlue-operated flights.
    • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases annually with your card
    • Get 10% of your points back every time you redeem to use toward your next redemption & a $100 statement credit after you purchase a Getaways vacation package of $100 or more with your JetBlue Plus Card

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,760 525
    Bonuses
    30,000 330
    Less Annual Fees 198
    Total 77,760 657
    BankAmericard Travel Rewards® Credit Card
    BankAmericard Travel Rewards® Credit Card Image $0.00 1.99% $200 $715
    Learn More Graph Card Read Review More Details
    Annual Fee $0.00
    APR 15.24% - 23.24% Variable APR on purchases and balance transfers

    Card Details

    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • 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 toward travel purchases
    • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
    • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Now with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 515
    Bonuses
    20,000 200
    Total 71,480 715
    Citi Gold / AAdvantage World MasterCard
    Citi Gold / AAdvantage World MasterCard Image $50 1.95% $338 $701
    Apply Now Graph Card Read Review More Details
    Annual Fee $50
    APR 13.99%, 17.99% or 21.99% Variable

    Card Details

    • Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
    • 1 AAdvantage mile for every $1 spent
    • Save 25% on eligible in-flight food and beverage purchases
    • No blackout dates on award travel
    • No spending limit

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 463
    Bonuses
    25,000 338
    Less Annual Fees 100
    Total 59,320 701
    LANPASS Visa Card
    LANPASS Visa Card Image $0 Intro Annual Fee for the first year then $45 1.93% $225 $695
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 12.99% - 22.99% Variable

    Card Details

    • Earn 15,000 Bonus Miles with your first card use
    • 1 LANPASS mile for every $1 you spend
    • Receive a 10% discount on LAN purchase (up to $500) once per year
    • Redeem LANPASS miles or kilometers for flights on LAN or OneWorld partners
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 515
    Bonuses
    15,000 225
    Less Annual Fees 45
    Total 49,320 695
    Citi Double Cash Card
    Citi Double Cash Card Image No Annual Fee 1.91% $0 $686
    Learn More Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 12.99%, 17.99% or 22.99% Variable

    Card Details

    • 1% cash back on purchases and another 1% cash back when you pay for those purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 686 686
    Total 686 686
    British Airways Visa Signature® Card
    British Airways Visa Signature® Card Image $95 1.81% $500 $653
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    Annual Fee $95
    APR 15.99% Variable

    Card Details

    • 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening.
    • Plus earn an additional 25,000 bonus Avios when you spend $10,000 on purchases for a total of 75,000 bonus Avios.
    • Plus earn another 25,000 bonus Avios when you spend a total of $20,000 on purchases within your first year for a total of 100,000 bonus Avios.
    • 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 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
    • Pay no foreign transaction fees when you travel abroad.
    • 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.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    50,000 500
    Less Annual Fees 190
    Total 84,320 653
    US Bank FlexPerks® Travel Rewards Visa Signature® Card
    US Bank FlexPerks® Travel Rewards Visa Signature® Card Image $0 Intro Annual Fee for the first year then $49 1.83% $260 $657
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $49
    APR 13.99% - 23.99% Variable

    Card Details

    • Earn 20,000 FlexPoints after you spend $3,500 in net purchases on your card within the first four months.
    • Earn 1 FlexPoint for every $1 of eligible net purchases charged to your Card
    • Earn 2 FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
    • 3 FlexPoints per $1 on qualifying charitable donations
    • Redeem FlexPoints on airline tickets, statement credits, gift cards and more
    • No foreign transaction fee
    • EVM chip technology for added security abroad
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
    • Subject to credit approval

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 446
    Bonuses
    20,000 260
    Less Annual Fees 49
    Total 54,320 657
    Chase Freedom Unlimited℠
    Chase Freedom Unlimited℠ Image $0 1.85% $150 $665
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 14.24%-23.24% Variable

    Card Details

    • Unlimited 1.5% cash back on every purchase - it's automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash - any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 515
    Bonuses
    0 150
    Total 51,480 665
    ThankYou® Preferred Credit Card
    ThankYou® Preferred Credit Card Image No Annual Fee 1.66% $200 $598
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 12.99%, 17.99% or 22.99% Variable

    Card Details

    • Earn 20,000 bonus ThankYou points after you spend $1,500 in the first 3 months
    • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
    • Earn 1 ThankYou point per dollar on other purchases
    • Points don't expire
    • $0 liability if your card is stolen
    • Citi Private Pass
    • Chip technology makes global travel easy
    • Rental insurance
    • Lost luggage coverage
    • Travel insurance

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 398
    Bonuses
    20,000 200
    Total 59,840 598
    Capital One® VentureOne® Rewards Credit Card
    Capital One® VentureOne® Rewards Credit Card Image $0 1.75% $200 $629
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 12.24% - 22.24% (Variable)

    Card Details

    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire 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.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 42,900 429
    Bonuses
    20,000 200
    Total 62,900 629
    U.S. Bank Cash 365™ American Express® Card
    U.S. Bank Cash 365™ American Express® Card Image No Annual Fee 1.71% $100 $615
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 13.24% to 23.24% Variable

    Card Details

    • 1.5% Unlimited Cash Back
    • Rewards Never Expire
    • $100 customer relationship bonus
    • 0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 515 515
    Bonuses
    0 100
    Total 515 615
    Capital One® Quicksilver® Cash Rewards Credit Card
    Capital One® Quicksilver® Cash Rewards Credit Card Image $0 1.71% $100 $615
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 13.24% - 23.24% (Variable)

    Card Details

    • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 515 515
    Bonuses
    0 100
    Total 515 615
    Barclaycard CashForward™ World MasterCard®
    Barclaycard CashForward™ World MasterCard® Image $0 1.71% $100 $615
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 14.99%, 19.99% or 24.99% Variable

    Card Details

    • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
    • Earn unlimited 1.5% cash rewards on every purchase
    • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
    • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
    • Cash rewards do not expire as long as your account is open, active and in good standing
    • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness.Please note, there is a fee for balance transfers
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 515
    Bonuses
    0 100
    Total 51,480 615
    Stash Hotel Rewards® Visa® Card
    Stash Hotel Rewards® Visa® Card Image $0 Intro Annual Fee for the first year then $85 1.74% $130 $625
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $85
    APR 16.24%

    Card Details

    • 3 points per dollar at Stash Hotels
    • 2 points per dollar all other hotels, dining and gas
    • 1 point per dollar on all other purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 44,640 580
    Bonuses
    10,000 130
    Less Annual Fees 85
    Total 54,640 625
    The Choice Privileges® Visa® Card
    The Choice Privileges® Visa® Card Image No Annual Fee 1.65% $62 $593
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 15.24%, 19.99% or 24.99% Variable

    Card Details

    • Earn 8,000 bonus points after your first purchase
    • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
    • 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
    • Cardmembers automatically get Elite Gold status
    • Book award and free nights twenty days before other members
    • 10% point bonus on points earned for eligible stays at Choice Privileges locations
    • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 531
    Bonuses
    8,000 62
    Total 76,640 593
    Wells Fargo Propel 365 American Express®
    Wells Fargo Propel 365 American Express® Image $0 Intro Annual Fee for the first year then $45 1.80% $200 $649
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 13.99% - 21.99% Variable

    Card Details

    • Earn 20,000 bonus points after you spend $3,000 in the first 3 months
    • 3 points for every $1 spent at US Gas Stations
    • 2 points for every $1 spent at US Restaurants
    • 1 point per dollar on other purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 49,440 494
    Bonuses
    20,000 200
    Less Annual Fees 45
    Total 69,440 649
    JetBlue Credit Card
    JetBlue Credit Card Image $0 1.61% $55 $580
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 12.24%, 20.24% or 25.24% Variable

    Card Details

    • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
    • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
    • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
    • Points awarded in your TrueBlue account don't expire. Earn and share points together with Family Pooling.
    • 50% savings on eligible inflight purchases including cocktails, food and movies.
    • No foreign transaction fees.
    • Chip-card technology & $0 Fraud Liability protection.
    • 0% introductory APR for first 12 billing cycles on balance transfers made within 45 days of account opening. After that a variable APR will apply, 12.24%, 20.24% or 25.24%, based on your creditworthiness.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,760 525
    Bonuses
    5,000 55
    Total 52,760 580
    PlayStation® Card from Capital One®
    PlayStation® Card from Capital One® Image $0 1.40% $50 $504
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 14.24% - 24.99% (Variable)

    Card Details

    • Earn 5,000 bonus points after your first purchase within 90 days of approval
    • 10 points per $1 spent on all PlayStation® Store purchases
    • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
    • 3 points per $1 spent on fast food restaurants, movie theatres & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music & more
    • 0% intro APR on purchases until August 2017, 14.24% - 24.99% variable APR after that
    • No annual fee

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 45,360 454
    Bonuses
    5,000 50
    Total 50,360 504
    Platinum Delta Skymiles® Credit Card
    Platinum Delta Skymiles® Credit Card Image $195 1.51% $520 $542
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    Terms and Limitations Apply

    Annual Fee $195
    APR 15.24%, 17.24% or 19.24% Variable

    Card Details

    • Earn 5,000 MQMs and 35,000 Bonus Miles after spending $1,000 in the first 3 months
    • 2 miles for every $1 spent on Delta flight and vacation purchases
    • 1 mile for every $1 spent otherwise
    • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
    • First checked bag free on Delta flights
    • No waiting - Priority Boarding
    • Save 20% on in-flight purchases
    • Discounted admission to Delta Sky Clubs for you and two companions
    • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
    • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
    • Exclusive access to ticket presales and American Express cardmember-only events in your city
    • Extended warranty and protection for purchases made on the card

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 412
    Bonuses
    0 100
    35,000 420
    Less Annual Fees 390
    Total 69,320 542
    IHG® Rewards Club Select Credit Card
    IHG® Rewards Club Select Credit Card Image $0 introductory annual fee the first year, then $49 1.74% $360 $626
    Learn More Graph Card Read Review More Details
    Annual Fee $0 introductory annual fee the first year, then $49
    APR 15.99% Variable

    Card Details

    • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
    • Enjoy a free night each year of card membership at over 4,900 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 52,560 315
    Bonuses
    60,000 360
    Less Annual Fees 49
    Total 112,560 626
    American Express® Blue Sky
    American Express® Blue Sky Image No Annual Fee 1.55% $100 $556
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee No Annual Fee
    APR 17.24%, 20.24% or 22.24% Variable

    Card Details

    • Earn 7,500 bonus points after you spend $1,000 in the first 3 months
    • 1 point for every $1 spent
    • Points can be redeemed in the form of statement credit, gift cards, merchandise and used toward travel: flights, hotel stays, car rentals, cruises, and for any travel package
    • Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
    • Exclusive access to ticket presales and American Express cardmember-only events
    • Extended warranty and protection for purchases made on the card

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 456
    Bonuses
    7,500 100
    Total 41,820 556
    Citi® Hilton HHonors™ Visa Signature Card
    Citi® Hilton HHonors™ Visa Signature Card Image No Annual Fee 1.69% $200 $607
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.24%

    Card Details

    • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
    • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
    • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
    • 2 points for every $1 spent otherwise
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 81,360 407
    Bonuses
    40,000 200
    Total 121,360 607
    Hawaiian Airlines® World Elite Mastercard®
    Hawaiian Airlines® World Elite Mastercard® Image $89 1.43% $350 $515
    Apply Now Graph Card Read Review More Details
    Annual Fee $89
    APR 16.24%, 20.24% or 25.24% Variable

    Card Details

    • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
    • Earn 2 miles for every $1 spent on Haiwaiian Airlines
    • Earn $1 for every $1 spent on all other purchases
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    35,000 350
    Less Annual Fees 178
    Total 69,320 515
    Ritz-Carlton Rewards Credit Card
    Ritz-Carlton Rewards Credit Card Image $395 1.40% $930 $504
    Learn More Graph Card Read Review More Details
    Annual Fee $395
    APR 15.99%

    Card Details

    • 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
    • 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 per $1 otherwise
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 364
    Bonuses
    0 930
    Less Annual Fees 790
    Total 34,320 504
    Wells Fargo Cash Wise Visa® Credit Card
    Wells Fargo Cash Wise Visa® Credit Card Image $0 1.43% $0 $515
    Graph Card More Details
    Annual Fee $0
    APR 13.24%-25.24% (Variable)

    Card Details

    • NEW: Unlimited 1.5% cash rewards on everyday net purchases
    • 0% Intro APR for 15 months on purchases and balance transfers
    • No category restrictions or quarterly sign ups and cash rewards don't expire as your account remains open
    • Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
    • Flexible cash back redemption options at Wells Fargo ATMs or direct deposit into your checking or savings account when you are a Wells Fargo customer
    • Account protections such as 24/7 fraud monitoring, rapid alerts & zero liability protection
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 515
    Total 51,480 515
    Discover it® Miles
    Discover it® Miles Image $0 1.43% $0 $515
    Learn More Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*

    Card Details

    • We'll match all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll match it- so you get 40,000 Miles - automatically. Only for new cardmembers.*
    • No annual fee* & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR* on purchases for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%.
    • Discover pays you back for your in-flight Wi-Fi fees--up to $30 a year--with an automatic statement credit.*
    • 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.*
    • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • 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.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 515
    Total 51,480 515
    ThankYou® Premier Credit Card
    ThankYou® Premier Credit Card Image $0 Intro Annual Fee for the first year then $95 1.45% $0 $523
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $95
    APR 14.24%, 17.99% - 23.24% Variable

    Card Details

    • Earn 3 ThankYou Points for every dollar spent on travel purchases, including gas
    • Earn 2 ThankYou Points for every $1 spent dining out or on entertainment
    • Earn 1 ThankYou Point for each dollar spent elsewhere
    • No foreign transaction fees
    • $0 liability if your card is stolen
    • Citi Private Pass
    • Chip technology makes global travel easy
    • Rental insurance
    • Lost luggage coverage
    • Travel insurance

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 49,440 618
    Less Annual Fees 95
    Total 49,440 523
    Asiana Airlines Credit Card
    Asiana Airlines Credit Card Image $99 1.67% $140 $601
    Learn More Graph Card Read Review More Details
    Annual Fee $99
    APR 14.24%

    Card Details

    • Get 10,000 bonus miles after first purchase
    • 3 miles for every dollar you spend on Asiana Airlines purchases
    • 2 miles for every dollar you spend on gas and grocery store purchases
    • 1 mile for every dollar you spend on all other purchases
    • And every year, you'll get: 2 Asiana Airlines lounge invitations, A 10,000 bonus Miles certificate, A $100 automatic rebate on Asiana Airlines tickets

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 659
    Bonuses
    10,000 140
    Less Annual Fees 198
    Total 57,040 601
    Chase Freedom®
    Chase Freedom® Image $0 1.37% $150 $493
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 14.24%-23.24% Variable

    Card Details

    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Unlimited 1% cash back on all other purchases - it's automatic
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 150
    Total 343 493
    Priceline Rewards™ Visa Card
    Priceline Rewards™ Visa Card Image No Annual Fee 1.09% $50 $393
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.99%, 19.99% or 24.99% Variable

    Card Details

    • 5 points for every $1 spent on priceline.com purchases
    • 1 point for every $1 spent otherwise
    • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
    • Reward redemptions begin at $25
    • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    AeroMexico Visa Signature Card
    AeroMexico Visa Signature Card Image $0 Intro Annual Fee for the first year then $80 1.64% $200 $590
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $80
    APR 12.99% - 22.99% Variable

    Card Details

    • 20,000 First Use Bonus Miles after first purchase or payment of annual fee
    • Complimentary Companion Ticket
    • 1 Club Premier Mile per $1 spent
    • 2 miles per $1 spent on Gas & Groceries
    • 2 miles per $1 spent on Aeromexico airfare purchases
    • Redeem miles (or Premier Kilometers) for award tickets, upgrades, and salon / SkyTeam VIP lounge access
    • Access to Visa Signature Concierge, premium offers, and special dining privileges
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Bonuses
    20,000 200
    Less Annual Fees 80
    Total 67,040 590
    Amazon.com Rewards Visa Card
    Amazon.com Rewards Visa Card Image No Annual Fee 1.32% $30 $476
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.24% - 22.24% Variable

    Card Details

    • $30 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon approval
    • 3% cash back at Amazon.com
    • 2% cash back at gas stations, restaurants, and drugstores
    • 1% cash back on all other purchases
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 44,640 446
    Bonuses
    0 30
    Total 44,640 476
    The Plenti® Credit Card from Amex
    The Plenti® Credit Card from Amex Image $0 1.18% $25 $423
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 15.24%-25.24% Variable

    Card Details

    • Earn 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
    • No annual fee and no annual fee for Additional cards.
    • 3 Plenti points at US supermarkets (on up to $6,000 per year in purchases), 2 points at US restaurants and 1 point on other purchases for each eligible dollar spent. Terms apply.
    • Earn points in addition to what you can with the Plenti® rewards program. Learn More.
    • Use Plenti® points for things you already buy at AT&T company-owned stores, Macy's and more! Terms and limitations apply.
    • Terms and conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 398
    Bonuses
    2,500 25
    Total 42,340 423
    Citi® ThankYou® Preferred Credit Card for College Students
    Citi® ThankYou® Preferred Credit Card for College Students Image No Annual Fee 1.18% $25 $423
    Learn More Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 13.99%, 18.99% or 23.99% Variable

    Card Details

    • Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months
    • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
    • Earn 1 ThankYou point per dollar on other purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 398
    Bonuses
    2,500 25
    Total 42,340 423
    AAdvantage® Aviator™ Red MasterCard®
    AAdvantage® Aviator™ Red MasterCard®  Image $89 1.13% $0 $405
    Apply Now Graph Card Read Review More Details
    Annual Fee $89
    APR 15.99%, 19.99% or 24.99% Variable

    Card Details

    • 2X miles for every dollar spent on eligible US Airways and American Airlines purchases. 1x mile for every 1 dollar spent on all other purchases.
    • 1 Free Checked Bag
    • Whenever you redeem, you’ll receive 10% of your redeemed miles back
    • Priority boarding
    • No Foreign Transaction Fees
    • 25% in-flight savings on food, beverages, and headsets on US Airways and AA operated flights

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 583
    Less Annual Fees 178
    Total 34,320 405
    AeroMexico Visa Card
    AeroMexico Visa Card Image $0 Intro Annual Fee for the first year then $45 1.60% $150 $575
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 12.99% - 22.99% Variable

    Card Details

    • 15,000 First Use Bonus Miles after first purchase or payment of annual fee
    • Complimentary Companion Ticket
    • 1 Club Premier Mile per $1 spent
    • 2 miles per $1 spent on Gas & Groceries
    • 2 miles per $1 spent on Aeromexico airfare purchases
    • Redeem miles (or Premier Kilometers) for award tickets, upgrades, and salon / SkyTeam VIP lounge access
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Bonuses
    15,000 150
    Less Annual Fees 45
    Total 62,040 575
    Premier Rewards Gold Card from American Express
    Premier Rewards Gold Card from American Express Image Introductory annual fee of $0 for the first year, then $195. 1.46% $250 $525
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee Introductory annual fee of $0 for the first year, then $195.
    APR N/A

    Card Details

    • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
    • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
    • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
    • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
    • There is a $0 introductory annual fee for the first year, then $195.
    • Terms and limitations apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Bonuses
    25,000 250
    0 0
    Less Annual Fees 195
    Total 72,040 525
    Capital One® QuicksilverOne® Credit Card
    Capital One® QuicksilverOne® Credit Card Image $39 1.21% $0 $437
    Graph Card More Details
    Annual Fee $39
    APR 23.24% (Variable)

    Card Details

    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 515 515
    Less Annual Fees 78
    Total 515 437
    Ally CashBack Credit Card
    Ally CashBack Credit Card Image No Annual Fee 1.58% $100 $570
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24%, 18.24% or 23.24% Variable

    Card Details

    • 2% cash back at gas stations and grocery stores
    • 1% cash back on all other purchases
    • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
    • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Bonuses
    0 100
    Total 47,040 570
    The Amex EveryDay® Credit Card from American Express
    The Amex EveryDay® Credit Card from American Express Image $0 1.45% $100 $522
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 13.24%-23.24% Variable

    Card Details

    • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 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 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 42,240 422
    Bonuses
    10,000 100
    Total 52,240 522
    Blue Cash Everyday® Card from American Express
    Blue Cash Everyday® Card from American Express Image $0 1.23% $100 $443
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 13.24%-23.24% Variable

    Card Details

    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 100
    Total 343 443
    Pink Ribbon BankAmericard Cash Rewards™ Credit Card
    Pink Ribbon BankAmericard Cash Rewards™ Credit Card Image $0.00 1.72% $100 $618
    Graph Card More Details
    Annual Fee $0.00
    APR 13.24% - 23.24% Variable APR on purchases and balance transfers

    Card Details

    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
    • Susan G. Komen ® has received more than $7 million from Bank of America from this program since 2009.
    • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    • No annual fee
    • No changing categories and no expiration on rewards
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 518 518
    Bonuses
    0 100
    Total 518 618
    MLB® Credit Card
    MLB® Credit Card Image No Annual Fee 1.72% $100 $618
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% - 23.24% Variable

    Card Details

    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
    • 1% cash back elsewhere.
    • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 518 518
    Bonuses
    0 100
    Total 518 618
    BankAmericard Cash Rewards™ Credit Card
    BankAmericard Cash Rewards™ Credit Card Image $0.00 1.23% $100 $443
    Learn More Graph Card Read Review More Details
    Annual Fee $0.00
    APR 13.24% - 23.24% Variable APR on purchases and balance transfers

    Card Details

    • No annual fee
    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 100
    Total 343 443
    Royal Caribbean® Credit Card
    Royal Caribbean® Credit Card Image No Annual Fee 1.23% $100 $443
    Learn More Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 12.99% to 22.99% Variable

    Card Details

    • 2 MyCruise Points per $1 on onboard purchases and qualifying Royal Caribbean, Celebrity and Azamara purchases
    • 1 point per $1 on all other purchases.
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    10,000 100
    Total 44,320 443
    Norwegian Cruise Line® World MasterCard® Credit Card
    Norwegian Cruise Line® World MasterCard® Credit Card Image No Annual Fee 1.23% $100 $443
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 12.99% - 22.99% Variable

    Card Details

    • Earn 10,000 Bonus WorldPoints® points if you make your first transaction in the first 60 days
    • 2x points per $1 on Norwegian purchases
    • 1 point per $1 on everything else
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    10,000 100
    Total 44,320 443
    U.S. Pride® Credit Card
    U.S. Pride® Credit Card Image No Annual Fee 1.72% $100 $618
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% - 23.24% Variable

    Card Details

    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
    • 1% cash back elsewhere.
    • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 518 518
    Bonuses
    0 100
    Total 518 618
    BankAmericard Cash Rewards™ for Students
    BankAmericard Cash Rewards™ for Students Image No Annual Fee 1.23% $100 $443
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% - 23.24% Variable

    Card Details

    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
    • 1% cash back elsewhere.
    • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 100
    Total 343 443
    NFL Extra Points Credit Card
    NFL Extra Points Credit Card Image $0 1.23% $100 $443
    Apply Now Graph Card More Details
    Annual Fee $0
    APR 15.24%, 20.24% or 25.24% variable

    Card Details

    • All 32 team cards are available, customized with your favorite team's colors and logo
    • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
    • 20% off purchases at NFLShop.com - that's $20 off every $100 you spend
    • 0% Promotional APR for 6 months on eligible NFL ticket purchases. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness
    • Earn 2 points per $1 on NFL or Team purchases - eligible game tickets, in-stadium and team pro shop purchases - and 1 point per $1 on all other purchases
    • Redeem points for NFL game tickets, VIP experiences, or 1% cash back beginning at 2,500 points for $25
    • 0% Introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    10,000 100
    Total 44,320 443
    World Wildlife Fund Credit Card
    World Wildlife Fund Credit Card Image No Annual Fee 1.72% $100 $618
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% - 23.24% Variable

    Card Details

    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
    • 1% cash back elsewhere.
    • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 518 518
    Bonuses
    0 100
    Total 518 618
    Wells Fargo Propel American Express® Card
    Wells Fargo Propel American Express® Card Image $0 1.37% $0 $494
    Graph Card More Details
    Annual Fee $0
    APR 13.24%-25.24% (Variable)

    Card Details

    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on all other net purchases every day
    • No Annual Fee
    • 0% Intro APR for 15 months on purchases and balance transfers
    • Earn an annual bonus of 10% Go Far™ Rewards points on non-bonus rewards points if you maintain a qualifying Consumer Wells Fargo Checking or Savings Account
    • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
    • Redeem points for travel, gift cards, cash back or merchandise through Go Far™ Rewards

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 49,440 494
    Total 49,440 494
    Saks Fifth Avenue Credit Card
    Saks Fifth Avenue Credit Card Image No Annual Fee 1.46% $0 $526
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 23.99% Variable

    Card Details

    • Earn between 1 to 6 points, depending on your level of spending
    • $25 Saks gift card

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 52,560 526
    Total 52,560 526
    Bloomingdale's Credit Card
    Bloomingdale's Credit Card Image No Annual Fee 1.11% $0 $398
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 24.5% Variable

    Card Details

    • 3x points for every $1 spent at Bloomingdales
    • 6x points for every $1 spent on cosmetics, fragrances, & shoes at Bloomingdales, 4x points at restaurants
    • 2x points on every other purchase
    • Ability to schedule triple point days where you can earn more points

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 79,680 398
    Total 79,680 398
    PNC CashBuilder® Visa Credit Card
    PNC CashBuilder® Visa Credit Card Image No Annual Fee 1.19% $0 $429
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% to 22.24% Variable

    Card Details

    • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
    • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
    • Redemptions start at $50
    • Rewards don't expire
    • $0 Fraud Liability

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 429 429
    Total 429 429
    Avianca LifeMiles Visa Signature Card
    Avianca LifeMiles Visa Signature Card Image $0 Intro Annual Fee for the first year then $75 1.18% $184 $425
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $75
    APR 12.99% - 22.99% Variable

    Card Details

    • Earn 20,000 bonus miles with your first card use
    • 1 LifeMile for every net $1 you spend
    • 2x LifeMiles on Avianca ticket purchases
    • 50% Excess Baggage Redemption Discount on Avianca flights
    • Redeem Avianca miles on flights and cabin upgrades
    • Access to Visa Signature concierge privileges for shopping, entertainment, travel, and sports
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
    • No Preset Spending Limit

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 316
    Bonuses
    20,000 184
    Less Annual Fees 75
    Total 54,320 425
    Holland American Line Rewards Visa Card
    Holland American Line Rewards Visa Card Image No Annual Fee 1.09% $50 $393
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99%, 16.99% or 20.99% Variable

    Card Details

    • Earn 5,000 points upon first purchase
    • 2 points for every $1 spent on all Holland American purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards towards discounted, reduced, and free cruise redemptions
    • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    Best Western Rewards® Premium MasterCard®
    Best Western Rewards® Premium MasterCard® Image $0 Intro Annual Fee for the first year then $59 1.17% $285 $422
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $59
    APR 15.24% - 20.24% Variable

    Card Details

    • 10 points for every $1 spent on Best Western purchases
    • 1 point for every $1 spent otherwise
    • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
    • Free Upgrade to Best Western Rewards Platinum Status

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 196
    Bonuses
    50,000 285
    Less Annual Fees 59
    Total 84,320 422
    Premier Miles & More® World Mastercard®
    Premier Miles & More® World Mastercard® Image $79 1.07% $200 $385
    Apply Now Graph Card Read Review More Details
    Annual Fee $79
    APR 15.99% or 24.99% Variable

    Card Details

    • Earn 20,000 award miles with first purchase or balance transfer
    • Annual Companion Ticket after first purchase, and annually thereafter
    • 2 miles for every $1 spent on Miles and More integrated airlines
    • 1 mile for every $1 spent otherwise
    • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
    • Complimentary Companion ticket after first purchase, then every year after
    • $79 Annual Fee waived for Senator and HON Circle Members
    • No foreign transaction fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    20,000 200
    Less Annual Fees 158
    Total 54,320 385
    Avianca LifeMiles Visa Card
    Avianca LifeMiles Visa Card Image $0 Intro Annual Fee for the first year then $45 1.14% $138 $409
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 12.99% - 22.99% Variable

    Card Details

    • Earn 15,000 bonues LifeMiles with your first card use
    • 1 LifeMile for every $1 spent on everything
    • 25% Excess Baggage Redemption Discount on Avianca flights
    • Redeem Avianca miles on flights and cabin upgrades
    • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 316
    Bonuses
    15,000 138
    Less Annual Fees 45
    Total 49,320 409
    The Wyndham Rewards® Visa Signature® Card
    The Wyndham Rewards® Visa Signature® Card Image No Annual Fee 1.12% $60 $403
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 15.24% or 19.99% Variable

    Card Details

    • Earn 12,000 bonus points with first purchase
    • 5 points per $1 spent on participating hotels
    • 2 points per $1 spent everywhere else
    • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 343
    Bonuses
    12,000 60
    Total 80,640 403
    National Geographic Platinum Edition® Visa®
    National Geographic Platinum Edition® Visa® Image No Annual Fee 1.09% $50 $393
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 15.99% - 22.99% Variable

    Card Details

    • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
    • 2 points per $1 spent on purchases made through National Geographic
    • 1 point per $1 spent eveywhere else
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    Princess Cruises Rewards Visa Card
    Princess Cruises Rewards Visa Card Image No Annual Fee 1.09% $50 $393
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99%, 16.99% or 20.99% Variable

    Card Details

    • Earn 5,000 Bonus Princess Points after your make your first purchase
    • 2 points for every $1 spent on Princess Cruises purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards towards discounted, reduced, and even free cruise redemptions
    • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    Carnival World™ MasterCard®
    Carnival World™ MasterCard® Image No Annual Fee 1.09% $50 $393
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 13.99%, 16.99% - 20.99% Variable

    Card Details

    • Earn 5,000 Bonus FunPoints® when you use your card for the first time
    • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
    • 1 FunPoint for every $1 spent otherwise
    • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
    • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    Sony® Card from Capital One®
    Sony® Card from Capital One® Image $0 1.09% $50 $393
    Apply Now Graph Card More Details
    Annual Fee $0
    APR 14.24% - 24.99% (Variable)

    Card Details

    • Earn 5,000 bonus points after your first purchase within 90 days of approval
    • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
    • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music & more
    • 0% intro APR on purchases until August 2017, 14.24% - 24.99% variable APR after that
    • No annual fee

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Total 39,320 393
    Disney Rewards Visa® Credit Card
    Disney Rewards Visa® Credit Card Image No Annual Fee 1.09% $50 $393
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 15.99%

    Card Details

    • Earn a $50 statement credit after first purchase
    • 1% in Disney Dream Reward Dollars® for every $1 spent
    • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 50
    Total 343 393
    Expedia®+ Card from Citi
    Expedia®+ Card from Citi Image No Annual Fee 0.97% $107 $350
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.99%, 16.99% or 22.99% Variable

    Card Details

    • Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
    • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
    • Earn 1 Expedia+ bonus point per $1 spent on other purchases
    • Automatic Expedia+ silver status
    • No annual Fee
    • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 244
    Bonuses
    15,000 107
    Total 49,320 350
    Miles & More® World MasterCard®
    Miles & More® World MasterCard® Image $59 1.04% $150 $375
    Apply Now Graph Card More Details
    Annual Fee $59
    APR 15.99% or 24.99% Variable

    Card Details

    • Earn 15,000 award miles with first purchase
    • 1 mile for every $1 spent
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    15,000 150
    Less Annual Fees 118
    Total 49,320 375
    Farmers® Rewards Visa®
    Farmers® Rewards Visa® Image No Annual Fee 1.30% $30 $469
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 13.24%, 17.24% or 20.24% Variable

    Card Details

    • Earn 3,000 points, after making $500 in purchases, outside of Farmers®, within 90 days of account opening
    • Earn 3x points on Farmers Products, plus 3x points for gas purchases, 3x points for home improvement purchases, and 1x point everywhere else Visa is accepted
    • 0% introductory APR on all purchases in the first 12 months. After that the APR is 13.24% to 20.24% based on Prime Rate and creditworthiness
    • No annual fee
    • Points never expire

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 43,920 439
    Bonuses
    3,000 30
    Total 46,920 469
    RCI® Elite Rewards® MasterCard®
    RCI® Elite Rewards® MasterCard® Image No Annual Fee 1.02% $25 $368
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99% or 24.99% Variable

    Card Details

    • Earn up to 2,500 bonus rewards after your first purchase
    • 2 points for every $1 spent on RCI purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    2,500 25
    Total 36,820 368
    AeroMexico Visa Secured Card
    AeroMexico Visa Secured Card Image $0 Intro Annual Fee for the first year then $25 1.38% $50 $495
    Apply Now Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $25
    APR 22.99%

    Card Details

    • 5,000 First Use Bonus Miles plus Complimentary Companion Certificate
    • 1 Club Premier Mile per $1 spent
    • 2 miles per $1 spent on Gas & Groceries
    • Complimentary Baggage

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Bonuses
    5,000 50
    Less Annual Fees 25
    Total 52,040 495
    Spirit Airlines World MasterCard® Credit Card
    Spirit Airlines World MasterCard® Credit Card Image $0 Intro Annual Fee for the first year then $59 1.00% $75 $359
    Learn More Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $59
    APR 12.99% to 22.99% Variable

    Card Details

    • 2 miles for every dollar you spend on purchases
    • 15,000 bonus miles after you make a purchase with the World MasterCard® credit card - enough for up to 3 roundtrip off-peak tickets, with taxes and fees from $11.20 per award
    • Earn 5,000 anniversary bonus FREE SPIRIT™ miles when you spend at least $10,000 in purchases annually and pay your annual fee
    • Enjoy a $0 introductory annual fee for the first year
    • a $59 fee will apply to World Mastercard® accounts thereafter

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 343
    Bonuses
    15,000 75
    Less Annual Fees 59
    Total 83,640 359
    The Wyndham Rewards® Visa Signature® Card
    The Wyndham Rewards® Visa Signature® Card Image $69 0.99% $150 $355
    Apply Now Graph Card Read Review More Details
    Annual Fee $69
    APR 15.24% - 19.99% Variable

    Card Details

    • Earn 30,000 bonus points with first purchase
    • 5 points for every $1 spent on participating hotels
    • 2 points for every $1 spent otherwise
    • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 68,640 343
    Bonuses
    30,000 150
    Less Annual Fees 138
    Total 98,640 355
    Expedia®+ Voyager Card from Citi
    Expedia®+ Voyager Card from Citi Image $95 0.75% $178 $270
    Apply Now Graph Card Read Review More Details
    Annual Fee $95
    APR 13.99%, 15.99% or 21.99% Variable

    Card Details

    • Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
    • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
    • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
    • Earn 1 Expedia+ bonus point per $1 spent on other purchases
    • Automatic Expedia+ gold status
    • No FX Fee
    • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 283
    Bonuses
    25,000 178
    Less Annual Fees 190
    Total 64,840 270
    Disney Premier Visa® Credit Card
    Disney Premier Visa® Credit Card Image $49 0.96% $100 $345
    Learn More Graph Card Read Review More Details
    Annual Fee $49
    APR 15.99%

    Card Details

    • Earn $100 Disney gift card after spending $500 in the first three months
    • 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
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Bonuses
    0 100
    Less Annual Fees 98
    Total 343 345
    U.S. Bank Perks+ Visa Signature® Card
    U.S. Bank Perks+ Visa Signature® Card Image No Annual Fee 1.31% $0 $470
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 11.99% - 21.99% Variable

    Card Details

    • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
    • Earn 1 point for every net dollar spent on everything else
    • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
    • 24/7 cardmember service
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Total 47,040 470
    Gulf Visa® Card
    Gulf Visa® Card Image No Annual Fee 1.22% $0 $439
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 15.99% to 22.99% Variable

    Card Details

    • 3 points for every $1 spent on all purchases at a Gulf Station
    • 1 point per $1 everywhere else
    • No annual fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 43,920 439
    Total 43,920 439
    Barclaycard Rewards MasterCard®
    Barclaycard Rewards MasterCard® Image $0 1.31% $0 $470
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 25.24%* Variable

    Card Details

    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • No annual fee
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limits on the number of points you can earn or redeem
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 47,040 470
    Total 47,040 470
    Discover it® Secured Credit Card
    Discover it® Secured Credit Card Image No Annual Fee 0.95% $0 $343
    Learn More Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 23.24%

    Card Details

    • 1% cash back on every purchase
    • 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter
    • Reports to all 3 major credit bureaus
    • At the end of your first year, we'll add up ALL the cash back you've earned and DOUBLE it! So if you earn $25, we'll double it to $50
    • Get your FICO ® Credit Score for free on your monthly statement or when you log in to your account
    • No Annual Fee

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Discover it® for Students
    Discover it® for Students Image $0 0.95% $0 $343
    Learn More Graph Card Read Review More Details
    Annual Fee $0
    APR 13.24% - 22.24% Variable*

    Card Details

    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
    • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Discover it® chrome for Students
    Discover it® chrome for Students Image No Annual Fee 0.95% $0 $343
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.24% - 22.24% Variable

    Card Details

    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed
    • 1% cash back on all your other purchases
    • Discover doubles all the cash back you've earned at the end of your first year (for new cardmembers only)
    • Get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Journey® Student Rewards from Capital One®
    Journey® Student Rewards from Capital One® Image $0 0.95% $0 $343
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 20.24% (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
    • There's no limit to the amount of cash back you can earn, and rewards don't expire
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Pay no annual or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly due date that works best for you

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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Discover it®
    Discover it® Image $0 0.95% $0 $343
    Learn More Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*

    Card Details

    • Discover matches all cash back you've earned at the end of your first year - automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
    • Freeze ItSM on/off switch prevents new purchases, cash advances & balance transfers in seconds.*
    • Get 100% U.S.-based customer service & FICO® Credit Scores for free on statements & online.*
    • No annual fee.* No late fee on first late payment. No APR change for paying late.*
    • You're never responsible for unauthorized purchases on your Discover card.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Savings Secured Visa Platinum Card
    Savings Secured Visa Platinum Card Image No Annual Fee 0.95% $0 $343
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 6.99%

    Card Details

    • Earn 1 Flexpoint reward for each dollar you spend
    • Flexpoints can be earned on any net purchases at the rate of 1 per dollar

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Total 34,320 343
    Discover it® Chrome
    Discover it® Chrome Image $0 0.95% $0 $343
    Learn More Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*

    Card Details

    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.*
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed.* 1% cash back on all your other purchases.
    • 0% intro APR* on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
    • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 343
    Total 343 343
    Nordstrom Credit Card
    Nordstrom Credit Card Image No Annual Fee 0.95% $0 $343
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 10.9%, 14.9% or 22.9% Variable

    Card Details

    • 2 points per net dollar spent at Nordstrom, 1 point per dollar spent everywhere else
    • Get a $20 bonus Note when you spend $100 at Nordstrom with your Nordstrom card the day you apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Total 34,320 343
    NHL® Discover it® card
    NHL® Discover it® card Image $0 0.95% $0 $343
    Learn More Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*

    Card Details

    • Choose your favorite team & show your pride! Plus get 10% off at Shop.NHL.com and NHL.TV.*
    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up* 1% cash back on all other purchases.
    • 0% intro APR* on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
    • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information. ©NHL

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Total 34,320 343
    Korean Air SKYPASS Visa Signature Credit Card
    Korean Air SKYPASS Visa Signature Credit Card Image $80 0.93% $150 $333
    Apply Now Graph Card Read Review More Details
    Annual Fee $80
    APR 12.99% - 19.99% Variable

    Card Details

    • 15,000 SKYPASS Bonus Miles after first purchase
    • 1 mile for every $1 spent in purchases
    • Double Miles on Korean Air ticket purchases
    • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
    • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
    • No foreign transaction fee
    • Travel & Emergency Assistance Services
    • $1,000,000 in Travel Accident Insurance
    • EVM chip technology for added security abroad
    • Free monthly credit score reporting

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    15,000 150
    Less Annual Fees 160
    Total 49,320 333
    Celebrity Cruises® Visa Signature® Credit Card
    Celebrity Cruises® Visa Signature® Credit Card Image $69 0.85% $100 $305
    Learn More Graph Card Read Review More Details
    Annual Fee $69
    APR 12.99% to 22.99% Variable

    Card Details

    • 2 MyCruise Points per $1 on qualifying Celebrity, Royal Caribbean and Azamara purchases
    • 1 point per $1 on all other purchases
    • No foreign transaction fees for non-US transactions

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    10,000 100
    Less Annual Fees 138
    Total 44,320 305
    The Amex EveryDay® Preferred Credit Card from American Express
    The Amex EveryDay® Preferred Credit Card from American Express Image $95 1.42% $150 $510
    Graph Card More Details

    Terms and Limitations Apply

    Annual Fee $95
    APR 13.24%-23.24% Variable

    Card Details

    • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • 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® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 54,960 550
    Bonuses
    15,000 150
    Less Annual Fees 190
    Total 69,960 510
    Blue Cash Preferred® Card from American Express
    Blue Cash Preferred® Card from American Express Image $95 2.21% $150 $795
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $95
    APR 13.24%-23.24% Variable

    Card Details

    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 835 835
    Bonuses
    0 150
    Less Annual Fees 190
    Total 835 795
    Best Western Rewards® MasterCard®
    Best Western Rewards® MasterCard® Image No Annual Fee 0.86% $114 $310
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 16.24% - 23.24% Variable

    Card Details

    • 3 points for every $1 spent on Best Western purchases
    • 1 point for every $1 spent otherwise
    • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
    • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 196
    Bonuses
    20,000 114
    Total 54,320 310
    Korean Air SKYPASS Visa Classic Card
    Korean Air SKYPASS Visa Classic Card Image $50 0.81% $50 $293
    Apply Now Graph Card Read Review More Details
    Annual Fee $50
    APR 12.99% - 19.99% Variable

    Card Details

    • 5,000 SKYPASS Bonus Miles after first purchase
    • 1 mile for every $1 spent in purchases
    • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
    • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
    • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
    • Free monthly credit score reporting
    • EMV chip technology for added security abroad
    • Visa payWave technology for contactless purchases
    • $250,000 in Travel Accident Insurance
    • Auto Rental Collision Damage Waiver

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    5,000 50
    Less Annual Fees 100
    Total 39,320 293
    AAdvantage® Aviator™ Silver World Elite MasterCard®
    AAdvantage® Aviator™ Silver World Elite MasterCard®  Image $195 0.54% $0 $193
    Apply Now Graph Card Read Review More Details
    Annual Fee $195
    APR 15.99%, 19.99% or 124.99% Variable

    Card Details

    • 3X miles for every dollar spent on eligible US Airways and American Airlines purchases. Earn 2X miles for every dollar spent on eligible hotels and car rentals. 1x mile for every 1 dollar spent on all other purchases.
    • Apply for Global Entry with TSA Pre_™ and, upon approval, experience expedited, more efficient security screenings, moving you smoothly through U.S. customs when returning from traveling abroad.
    • Pay for the $100 Global Entry application fee with your card and you’ll automatically receive a $100 statement credit 2-3 weeks after your transaction.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 583
    Less Annual Fees 390
    Total 34,320 193
    Citi Prestige® Card
    Citi Prestige® Card Image $450 0.45% $532 $162
    Learn More Graph Card Read Review More Details
    Annual Fee $450
    APR 15.24%

    Card Details

    • Earn 40,000 bonus ThankYou points after you spend $3000
    • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
    • 1 point per $1 elsewhere
    • 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

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 39,840 530
    Bonuses
    40,000 532
    Less Annual Fees 900
    Total 79,840 162
    American Express® Green Card
    American Express® Green Card Image $0 Intro Annual Fee for the first year then $95 0.69% $0 $248
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

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

    Card Details

    • 1 point for every dollar you spent
    • Membership Rewards program allows you to use points for rewards with 500+ brands
    • Baggage insurance
    • Roadside assistance
    • Car rental insurance
    • Global assist hotline
    • Travel insurance
    • Return protection
    • Purchase protection

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Less Annual Fees 95
    Total 34,320 248
    American Express® Gold Card
    American Express® Gold Card Image $0 Intro Annual Fee for the first year then $160 0.51% $0 $183
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0 Intro Annual Fee for the first year then $160
    APR

    Card Details

    • 1 point for every dollar you spent
    • Membership Rewards program allows you to use points for rewards with 500+ brands
    • Baggage insurance
    • Roadside assistance
    • Car rental insurance
    • Global assist hotline
    • Travel insurance
    • Return protection
    • Purchase protection

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Less Annual Fees 160
    Total 34,320 183
    Navy Federal nRewards Secured Credit Card
    Navy Federal nRewards Secured Credit Card Image No Annual Fee 0.48% $0 $172
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 8.99%

    Card Details

    • Earn 1 nRewards point for each dollar you spend
    • nRewards can be earned on any net purchases at the rate of 1 per dollar

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 172
    Total 34,320 172
    Best Western Rewards® Secured MasterCard®
    Best Western Rewards® Secured MasterCard® Image $40 0.40% $29 $144
    Apply Now Graph Card More Details
    Annual Fee $40
    APR 21.24%

    Card Details

    • 3 points for every $1 spent on Best Western purchases
    • 1 point for every $1 spent otherwise
    • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
    • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 196
    Bonuses
    5,000 29
    Less Annual Fees 80
    Total 39,320 144
    Korean Air SKYPASS Visa Card
    Korean Air SKYPASS Visa Card Image $50 0.34% $50 $122
    Apply Now Graph Card More Details
    Annual Fee $50
    APR 12.99% - 19.99% Variable

    Card Details

    • 5,000 SKYPASS Bonus Miles after first purchase
    • 1 mile for every $2 spent in purchases
    • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
    • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners
    • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership
    • $250,000 in Travel Accident Insurance
    • Auto Rental Collision Damage Waiver
    • Free credit score reporting monthly

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 17,160 172
    Bonuses
    5,000 50
    Less Annual Fees 100
    Total 22,160 122
    Upromise World MasterCard
    Upromise World MasterCard Image No Annual Fee 0.08% $25 $28
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99%, 19.99% or 22.99% Variable

    Card Details

    • 5% cash back on eligible online purchases through the Upromise portal
    • 4% back on eligible restaurants
    • 2% back on movie theaters
    • 1% back everywhere else

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 3
    Bonuses
    0 25
    Total 343 28
    L.L. Bean Visa Card
    L.L. Bean Visa Card Image No Annual Fee 0.01% $0 $3
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99%, 16.99% or 19.99% Variable

    Card Details

    • 3% on L.L. Bean Purchases
    • 1% everywhere visa is accepted
    • Free return shipping
    • Free Monogramming
    • Exclusive cardmember sales

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 343 3
    Total 343 3
    Barneys Departament Store Credit Card
    Barneys Departament Store Credit Card Image No Annual Fee 0.00% $0 $0
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 23.99% Variable

    Card Details

    • Discounts ranging from 1 - 5% off purchases on Barneys New York credit card
    • Exclusive private and pre-sale access at Barneys
    • $50 in alterations reimbursable per $500 spent in store
    • Free international shipping
    • Free Valet Parking
    • Complimentary glass of wine at Barneys restaurants

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    BankAmericard® Better Balance Rewards
    BankAmericard® Better Balance Rewards Image No Annual Fee 0.00% $0 $0
    Learn More Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 11.99% - 21.99% Variable

    Card Details

    • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
    • No annual fee
    • 0% Intro APR on purchases and balance transfers for 12 billing cycles

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    Barclaycard Ring MasterCard®
    Barclaycard Ring MasterCard® Image $0 0.00% $0 $0
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 8.25%* Variable

    Card Details

    • No Balance Transfer Fees - start saving immediately!
    • A low variable APR on balance transfers and purchases
    • No Annual Fee
    • Choose your card benefits and features
    • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    United MileagePlus® Club Card
    United MileagePlus® Club Card Image $450 -0.22% $100 $-79
    Learn More Graph Card Read Review More Details
    Annual Fee $450
    APR 15.99%

    Card Details

    • Receive a $100 statement credit after your first purchase
    • United Club membership
    • 1st and 2nd checked bags are free
    • Priority check-in, screening, and boarding
    • No foreign transaction fees
    • 2 points for every $1 spent on United Airlines tickets
    • 1.5 points for every $1 spent otherwise
    • United Club membership
    • First and second bags are checkable for free
    • No foreign transaction fee
    • Miles don't expire

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 51,480 721
    Bonuses
    0 100
    Less Annual Fees 900
    Total 51,480 -79
    The Platinum Card® from American Express
    The Platinum Card® from American Express Image $450 -0.44% $400 $-157
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $450
    APR N/A

    Card Details

    • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
    • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
    • There are no foreign transaction fees with your Platinum Card.
    • Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status.
    • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
    • No interest charges because you pay your balance in full each month.
    • Terms and limitations apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 343
    Bonuses
    40,000 400
    Less Annual Fees 900
    Total 74,320 -157
    Delta Reserve® Credit Card from American Express
    Delta Reserve® Credit Card from American Express Image $450 -1.02% $120 $-368
    Learn More Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $450
    APR 15.24%, 17.24% or 19.24% Variable

    Card Details

    • Earn 10,000 Medallion Qualification Miles and 10,000 bonus miles after the first purchase
    • 2 miles for every $1 spent on Delta flight and vacation purchases
    • 1 mile for every $1 spent otherwise
    • Delta Sky Club Access for you and two companions with complimentary Wi-Fi and snacks
    • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
    • First checked bag free on Delta flights
    • No waiting - Priority Boarding
    • Save 20% on in-flight purchases
    • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 412
    Bonuses
    10,000 120
    Less Annual Fees 900
    Total 44,320 -368
    Citi Executive / AAdvantage World Elite MasterCard
    Citi Executive / AAdvantage World Elite MasterCard Image $450 -1.21% $0 $-437
    Apply Now Graph Card Read Review More Details
    Annual Fee $450
    APR 15.24%

    Card Details

    • Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
    • 2 AAdvantage miles for every $1 spent on American Airlines
    • 1 mile for every $1 spent otherwise
    • Admirals Club membership for you and your immediate family
    • No foreign transaction fees
    • First checked bag is free for you and your companions
    • Priority check-in, screening, and boarding
    • Receive a 25% savings on eligible in-flight purchases
    • No annual mileage cap

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 463
    Less Annual Fees 900
    Total 34,320 -437
    MasterCard® Black Card™
    MasterCard® Black Card™ Image $495 -1.32% $0 $-475
    Graph Card More Details
    Annual Fee $495
    APR 15.24% Variable

    Card Details

    • 1x points for every $1 you spend
    • Membership to Lounge Club, which gives access to airport lounges worldwide
    • Luxury gift items
    • Stainless steel construction
    • Members-Only Luxury Magazine
    • $100 Annual Airline Credit Toward Qualifying Airline Purchases
    • Luxury Card Concierge

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 34,320 515
    Less Annual Fees 990
    Total 34,320 -475

    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% 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. 

    * 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.

    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.

    This page contains offers from one or more of our partners. We may receive compensation when you click on links to those products. For a full list of our advertisers, see our disclosure page.