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Typical spender

My spending will be pretty similar to the average person.
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Heavy traveler

I'll use the card mostly for travel-related purchases.
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First-year bonus chaser

I'm just looking for the best signup bonus.
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Ongoing deal chaser

I'll spend extra time using shopping portals that'd maximize my savings.
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Business owner

I'll use the card mostly for business purposes.
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Urbanite

I spend more than the average person on dining, clothing, and entertainment.
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Suburbanite

I'll spend more than the average person on groceries, home supplies, etc.
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Essentials spender

I'll mostly only be buying the essentials (gas, groceries, etc.)
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APR-focused

I usually don't pay off my full balance, and/or I'll transfer a balance.
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Credit newbie

I'm just starting out, or am trying to rebuild my credit.
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Credit Score

Which of these features do you want to include in each credit card's value per year?

How much will you spend per month?

  • $Total per month

    • $on Shopping

      • $on Online-only merchants (e.g., Amazon.com)

      • $on Department stores and wholesale clubs

      • $on Other shopping (e.g., clothing stores, furniture stores, etc.)

    • $on Food & dining

      • $on Groceries

      • $on Restaurants

    • $on Gas

    • $on Travel

      • $on Air travel

      • $on Hotels

      • $on Rental car

      • $on Transit (e.g., Uber, Lyft, taxis, buses, trains, parking)

    • $on Bills & misc.

      • $on Entertainment (incl. movies & events)

      • $on Health & fitness (incl. drugstores & pharmacies, healthcare)

      • $on Bills & utilities

      • $on Everything else

General Questions

How many years will you use this card?

What % of your balance do you plan on paying each month?

Other General Questions

  • Average amount spent abroad per year

    • Amount ($) planning to transfer

    • Expected # of months it'll take to pay off

    • # months from now when balance transfer will occur

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A high annual fee ($695), but excellent travel perks (5x on travel, annual $200 Uber credit, and many hotel perks) and a 100K points welcome bonus.

$865/yr

total value to you

Annual Fee

Welcome Bonus

APR

$695
 
100K points
(after spending $6K w/in 6 months)
15.99-22.99%
 
Issuer
American Express
Network
American Express
Credit Score Required
Above Average (740-799)
X

Pros

  • 5x points on most travel purchases.
  • Complimentary benefits with an average total value of $550 with American Express Fine Hotels & Resorts.
  • 100,000 points welcome bonus (after spending $6K within the first 6 months).
  • Up to $200 Uber savings annually.
  • Each point is worth about 1.7 cents on average, which is high compared to other credit cards.

Cons

  • $695 annual fee.

Rewards & Perks

Earning points:

  • 5x points on flights booked directly with airlines or with American Express travel (on up to $500,000 spent per year).
  • 5x points on hotels booked on amextravel.com.
  • 1x points on everything else.
  • 100,000 points welcome bonus (after spending $6,000 in the first 6 months).

Elite statuses:

  • American Express Global Lounge Collection benefits: Unlocks access to more than 1,200 airport lounges across 130 countries and counting.
  • Marriott Bonvoy Gold Elite status: Includes 25% points bonus, priority late checkout, Elite phone line, complimentary enhanced internet, upgrades to enhanced rooms, and welcome gifts.
  • Hilton Honors Gold status: Includes 80% points bonus on stays, milestone bonus, fifth night free on reward stays, two complimentary bottles of water per stay, room upgrades, breakfast, and bonus points or another welcome amenity.
  • Uber VIP Status: Get matched with top-rated Uber drivers.

Special access:

  • American Express Fine Hotels & Resorts program: Provides the following elite-like benefits at over 1,000 luxury hotel locations: Room upgrade upon arrival (subject to availability), daily breakfast for 2 people, guaranteed 4pm late checkout, noon check-in (subject to availability), complimentary wi-fi, and a unique property amenity valued at $100 (spa or food and beverage credit).
  • "By Invitation Only" Program: Specially-curated and customized once-in-a-lifetime events exclusively for American Express Platinum and Centurion Card Members, including Additional Centurion Cards. (RSVP is required.)

Annual credits:

  • $200 for Uber: Up to $15 per month in Uber credits for U.S. rides, plus a bonus $20 in December.
  • $100 for Saks: $100 voucher for Saks Fifth Avenue ($50 January-June and $50 July-December).
  • $179 for CLEAR® airport security service: Up to $179 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)
  • $200 for hotels: $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel. (Enrollment Required.)
  • $200 for airline fees: $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
  • $240 for digital entertainment: $240 Digital Entertainment Credit which is good for up to $20 back each month on select digital subscriptions with Peacock, Audible, SiriusXM, and The New York Times.(Enrollment Required.)
  • $300 for Equinox: $300 Equinox Credit as a $25 statement credit valid each month at Equinox, valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. (Enrollment required.)

Rates & Fees

  • Annual fee: $695.
  • Annual Percentage Rate (APR) for Pay Over Time Feature: 15.99-22.99%.
  • No foreign transaction fees.

Total savings over 5 years: $4,326

A good card for earning airline miles, with a 75K miles early spend bonus and 2x miles on all purchases, but also a $95 annual fee.

$673/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$95
 
75K miles
(after spending $4K w/in 3 months)
17.24-24.49%
 
Issuer
Capital One
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 75,000 bonus miles: One-time bonus of 75,000 miles if you spend $4,000 on purchases within the first 3 months.
  • 2x miles on all on purchases.
  • No foreign transaction fees.

Cons

  • $95 annual fee.

Rewards & Perks

  • 75,000 bonus miles: One-time bonus of 75,000 miles once you spend $4,000 on purchases within the first 3 months.
  • 2 miles per dollar for all purchases.

Rates & Fees

  • Annual fee: $95.
  • APR for purchases and balance transfers: 17.24-24.49%.
  • No foreign transaction fees.

Total savings over 5 years: $3,363

A decent card for frequent United flyers, with 2x miles on United purchases, restaurants, and hotels, as well as a 60K miles signup bonus (after spending $3K in the first 3 months), but also a $95 annual fee.

$607/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
($0 intro)
60K miles
(after spending $3K w/in 3 months)
16.49-23.49%
 
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
  • 2x miles on United purchases, restaurants, and hotels (when purchased directly with the hotel). (Restaurant purchases include eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar spent on all other purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • 2 United Club one-time passes each year for your travel.
  • No foreign transaction fees.

Cons

  • $95 annual fee. ($0 in the first year.)
  • If you're willing to pay an even higher annual fee, the Chase United Club Infinite card offers even better rewards. (Or, if you don't want to pay any annual fee at all, and you're fine with earning lower rewards, then you might want to go with the Chase United Gateway card instead.)

Rewards & Perks

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
  • x miles on United purchases, restaurants, and hotels (when purchased directly with the hotel). (Restaurant purchases include eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar spent on all other purchases.
  • 25% cash back on United in-flight purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • 2 United Club one-time passes each year for your travel.
  • Priority boarding: The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • Free first checked bag for you plus one travelling companion.
  • Premier upgrades on award tickets: The primary card member who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).
  • Personal concierge service (via Visa Signature Concierge): Visa Signature concierge service gives you access to concierges who can help with travel planning, restaurant recommendations, and event reservations.
  • Access to United card events from Chase and United MileagePlus events.

Rates & Fees

  • Annual fee: $95. ($0 in the first year.)
  • APR on purchases and balance transfers: 16.49-23.49%.
  • No foreign transaction fees.

Total savings over 5 years: $3,033

A good card for travel and dining (2x points) with a good signup bonus (60K points), but with a $95 annual fee.

$463/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
 
60K points
(after spending $4K w/in 3 months)
15.99-22.99%
 
Issuer
Chase
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2025: 5x points on Lyft rides.
  • 2x points on restaurants and travel (hotels, air travel, and rental car).
  • For the first year: $50 in statement credits for groceries.
  • 1 point per dollar on all other purchases.
  • Points are worth 25% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").
  • No foreign transaction fees.

Cons

  • $95 annual fee.
  • If you're willing to pay an even higher annual fee, the Chase Sapphire Reserve card offers even better rewards.

Rewards & Perks

  • 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2025: 5x points on Lyft rides.
  • For the first year: $50 in statement credits for groceries.
  • For the first year: Complimentary DoorDash "DashPass" membership, which offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 on qualifying food purchases.
  • Through December 2021: Get up to $60 back on an eligible Peloton Digital or All-Access Membership, and get full access to their workout library through the Peloton app.
  • 2x points on restaurants and travel (hotels, air travel, and rental car).
  • 1 point per dollar on all other purchases.
  • Points are worth 25% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").

Rates & Fees

  • Annual fee: $95.
  • APR on purchases and balance transfers: 15.99-22.99%.
  • No foreign transaction fees.

Total savings over 5 years: $2,315

A good card for people who often fly on American Airlines (2x miles on AA spending, as well as restaurants and gas), with a 50K miles signup bonus, but also a $99 annual fee.

$436/yr

total value to you

Annual Fee

Signup Bonus

APR

$99
($0 intro)
50K miles
(after spending $2.5K w/in 3 months)
15.99-24.99%
 
Issuer
Citi
Network
Mastercard
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 50,000 miles (American Airlines AAdvantage bonus miles) after spending $2,500 in purchases within the first 3 months.
  • 2x miles on American Airlines purchases, restaurants, and gas.
  • 1 mile per dollar on all other purchases.
  • $125 American Airlines flight discount each year that you spend $20,000 or more.
  • No foreign transaction fees.

Cons

  • $99 annual fee. ($0 in the first year.)

Rewards & Perks

  • 50,000 bonus miles (American Airlines AAdvantage bonus miles) after spending $2,500 in purchases within the first 3 months.
  • 2x miles on American Airlines purchases, restaurants, and gas.
  • 1 mile per dollar on all other purchases.
  • $125 American Airlines flight discount each year that you spend $20,000 or more.
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
  • 25% savings on eligible in-flight food and beverage purchases when you use your card on American Airlines flights.
  • Preferred boarding on American Airlines domestic flights.

Rates & Fees

  • Annual fee: $99. ($0 in the first year.)
  • APR on purchases and balance transfers: 15.99-24.99%.
  • No foreign transaction fees.

Total savings over 5 years: $2,182

A surprisingly good card for travel and general spending, with a good signup bonus (75K points) and no annual fee.

$426/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
75K points
(after spending $2K w/in 180 days)
15.74-24.99%
 
Issuer
Barclays
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 75,000 bonus points after you spend $2,000 on purchases in the first 180 days. (50K points after spending $1K in the first 90 days, and another 25K points after spending $2K in the first 180 days.)
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • 15x points at eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
  • 5x points on purchases of Choice Privileges points or Choice Hotels gift card purchases.
  • 2 points per eligible $1 spent on everyday purchases.
  • Barclays Elite Gold status: Earn 10% in bonus points on qualifying stays, and get access to dedicated reservations, customer serivce numbers, and exclusive offers.
  • No annual fee.

Cons

  • Each point is worth just 0.6 cents on average, which is low compared to other credit cards.

Rewards & Perks

  • Earn 75,000 bonus points after you spend $2,000 on purchases in the first 180 days. (50K points after spending $1K in the first 90 days, and another 25K points after spending $2K in the first 180 days.)
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • 15 points per dollar spent at eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
  • 5 points per dollar spent on the purchase of Choice Privileges points or Choice Hotels gift card purchases.
  • 2 points per dollar spent on everyday purchases.
  • Barclays Elite Gold status: Earn 10% in bonus points on qualifying stays, and get access to dedicated reservations, customer serivce numbers, and exclusive offers.

Rates & Fees

  • No annual fee.
  • APR for purchases: 15.74-24.99%.
  • APR for balance transfers: 15.74-24.99% (0% for the first 15 months on BTs posted within the first 45 days).
  • Foreign transaction fee: 3%.

Total savings over 5 years: $2,130

A good card for people who are frequent Hilton guests (7x points on Hilton) or who spend on dining, groceries, and gas (5x), which has a welcome bonus of 80K points (after spending $1K w/in 3 months), and no annual fee.

$417/yr

total value to you

Annual Fee

Welcome Bonus

APR

$0
 
80K points
(after spending $1K w/in 3 months)
15.74-24.74%
 
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • 7x points at Hilton hotels. 5x points at restaurants, supermarkets, and gas stations. 3x points on everything else.
  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
  • Complimentary Hilton Honors Silver Status.
  • No annual fee.
  • No foreign transaction fees.

Cons

  • Each point is worth just 0.5 cents on average, which is low compared to other credit cards.

Rewards & Perks

  • 7x points at Hilton properties.
  • 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3x points everywhere else.
  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
  • Hilton Honors Silver status: Includes 15% points bonus, fifth night free on award stays, and two complimentary bottles of water per stay.

Rates & Fees

  • No annual fee.
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Total savings over 5 years: $2,084

An excellent travel rewards card (3x on travel and dining, $300 travel credit each year, 50K points signup bonus) with a high annual fee ($550) for people who travel a lot.

$398/yr

total value to you

Annual Fee

Signup Bonus

APR

$550
 
50K points
(after spending $4K w/in 3 months)
16.99-23.99%
 
Issuer
Chase
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through December 2021: Earn up to $120 in statement credits on DoorDash purchases. (That's $60 in statement credits through December 2020 and another $60 in statement credits through December 2021.)
  • $300 credit for travel each year: Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. (From June 1, 2020 through June 30, 2021, gas station and grocery store purchases will also count toward earning your Travel Credit.)
  • 3x points on dining (including eligible delivery services, takeout and dining out).
  • 3x points on travel (after earning your $300 annual travel credit).
  • From November 1, 2020 to April 30, 2021: 3x points on up to $1,000 in grocery store purchases per month. (This also includes eligible pick-up and delivery services.)
  • 1 point per dollar on all other purchases.
  • Points are worth 50% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").
  • Priority Pass Select membership: Rest and revive before your flight at one of the 1,000+ VIP lounges in over 500 cities worldwide.
  • Sleek metal card design.
  • No foreign transaction fees.

Cons

  • $550 annual fee (plus $75 per year for each additional authorized user).

Rewards & Perks

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2022: 10x points on Lyft rides.
  • Complimentary Lyft Membership (for 1 year): Receive up to 15% off every car ride, plus other benefits, such as priority airport pickups, relaxed cancellations, and exclusive saving opportunities with one year of complimentary Lyft Pink, a $199 minimum value. (You or your authorized user will need to activate this benefit with a Sapphire Reserve card by March 31, 2022. Lyft Pink will be registered in the name of the cardmember who first activates the benefits.)
  • Through December 2021: Get up to $120 back on an eligible Peloton Digital or All-Access Membership, and get full access to their workout library through the Peloton app.
  • For the first year: Complimentary DoorDash "DashPass" membership, which offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 on qualifying food purchases.
  • Through December 2021: Earn up to $120 in statement credits on DoorDash purchases. (That's $60 in statement credits through December 2020 and another $60 in statement credits through December 2021.)
  • $300 credit for travel each year: Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. (From June 1, 2020 through June 30, 2021, gas station and grocery store purchases will also count toward earning your Travel Credit.)
  • 3x points on dining (including eligible delivery services, takeout and dining out).
  • 3x points on travel (after earning your $300 annual travel credit).
  • From November 1, 2020 to April 30, 2021: 3x points on up to $1,000 in grocery store purchases per month. (This also includes eligible pick-up and delivery services.)
  • 1 point per dollar on all other purchases.
  • Points are worth 50% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").
  • Priority Pass Select membership: Rest and revive before your flight at one of the 1,000+ VIP lounges in over 500 cities worldwide.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).

Rates & Fees

  • Annual fee: $550 (plus $75 for each additional authorized user).
  • APR on purchases and balance transfers: 16.99-23.99%.
  • No foreign transaction fees.

Total savings over 5 years: $1,988

A good card for Southwest frequent flyers (2x on SWA purchases, 40K points signup bonus), but has a $69 annual fee.

$365/yr

total value to you

Annual Fee

Signup Bonus

APR

$69
 
40K points
(after spending $1K w/in 3 months)
15.99-22.99%
 
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.
  • For the first year: 3x points on dining purchases at restaurants (including takeout and eligible delivery services).
  • 2x points on Southwest purchases.
  • 1 point per dollar on all other purchases.
  • Receive 3,000 bonus points each year (on your card member anniversary date).
  • $0 1st & 2nd checked bags.

Cons

  • $69 annual fee.

Rewards & Perks

  • 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.
  • For the first year: 3x points on dining purchases at restaurants (including takeout and eligible delivery services).
  • 2x points on Southwest purchases.
  • 1 point per dollar on all other purchases.
  • 3,000 bonus points each year (on your card member anniversary date).

Rates & Fees

  • Annual fee: $69.
  • APR on purchases and balance transfers: 15.99-22.99%.
  • Foreign transaction fee: 3%.

Total savings over 5 years: $1,827

A good card if you're an Alaska Airlines frequent flyer (3x miles, 40K miles signup bonus, and cheap companion tickets), but with a $75 annual fee.

$342/yr

total value to you

Annual Fee

Signup Bonus

APR

$75
 
40K miles
(after spending $2K w/in 90 days)
15.99-23.99%
 
Issuer
Bank of America
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 40,000 bonus miles after you spend $2,000 in the first 90 days.
  • 3x miles on Alaska Airlines purchases.
  • 1 mile per dollar on all other purchases.
  • Get Alaska's Companion Fare every year: Each year on your account anniversary, get a companion fare from $121 ($99 plus taxes and fees from $22).
  • Each mile is worth about 1.8 cents on average, which is high compared to other credit cards.
  • No foreign transaction fees.

Cons

  • $75 annual fee.

Rewards & Perks

  • 40,000 bonus miles after you spend $2,000 in the first 90 days.
  • 3x miles on Alaska Airlines purchases.
  • 1 mile per dollar on all other purchases.
  • Get Alaska's Companion Fare every year: Each year on your account anniversary, get a companion fare from $121 ($99 plus taxes and fees from $22).
  • Free checked bag on Alaska flights for you and up to six other guests on the same reservation.

Rates & Fees

  • Annual fee: $75.
  • APR on purchases and balance transfers: 15.99-23.99%.
  • No foreign transaction fees.

Total savings over 5 years: $1,709