Credit Card Tune-Up
Find credit card rewards for your expenses
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Content Updated: 07/29/2021
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Advertiser Disclosure

Many of the card offers that appear on this site are from companies from which Credit Card Tune-Up receives a commission for new cardmembers (e.g. Barclays, American Express, etc.), though many offers are from companies with which there is no such partnership (e.g. Fort Knox FCU, Navy FCU, First National Bank, etc.). Partnership with Participation in these affiliate programs may impact the presentation of offers, but not the order in which they appear. Other factors, such as our own proprietary website rules (e.g. reward currency valuations) do impact how and where products appear on this site. The Credit Card Tune-Up calculation engine does not include the entire universe of available credit card offers.


Overview

It can be daunting to choose reward credit cards that are right for you. Credit card companies offer dozens of competing cards and their reward structures for cashback, frequent flier miles, and points are a complex mix of categories, tiers, limits, and earning percentages.

The Credit Card Tune-Up calculator makes all of that easy. Just choose your filter criteria in the box on the right, plug in how much you spend each month, and press the Recalculate button. You'll then be presented with a list of the cards in our calculation engine sorted in descending order by the expected value of your first-year rewards minus any annual fee. All reward types -- miles, points, cashback -- are converted into dollars for an easy apples-to-apples comparison. You can hover over a calculated dollar amount to see any details about how points or miles are valued for that card. Note that these valuations are based on our research and not assigned by the card companies.

If having more than one of the credit cards in our database and using each card for its more-rewarding categories will earn you a greater annual reward, then those best combinations are shown in the columns labeled "Best N-Card Combo" — up to as many as "Best 3-Card Combo". (Note that when calculating card combination rewards our tool conservatively assumes you'll only earn any initial bonuses from one card in the combination, even though it may be possible to simultaneously earn bonuses from more than one of the cards in that set.)

Usage Tips

  • Only the "Total you spend per month" amount is required, but entering your expenses by category can make a significant difference in possible rewards. Since there is no "Other" category, don't worry about having your category amounts add up to your total amount; the calculator figures out your "Other" spending for you.
  • To apply for credit cards or read the terms and conditions, you can click on the card name link or "Apply Now" button. Also, applying for credit cards through the category links above helps support this web site.
  • For a detailed explanation of any credit card, category, or reward amount, hover your mouse pointer over that item. Card detail bullets can also be toggled with the "Show Details" button.
  • To exclude a credit card from the "Best N-Card Combo" results (those with amounts highlighted in green), check its checkbox in the "Omit Card from Calc?" column and press the Recalculate button.
  What country do you live in?
  What type of credit card are you looking for?
  Total you spend per month:$
     Gas Stations:$     Restaurants:$
     Supermarkets:$     Amazon.com:$
     Drug Stores:$     Wholesale Clubs:$
     Department Stores:$     Utilities:$
     Cable, Internet, and Landline:$     Wireless Phone (except Verizon):$
     Airfare:$     Hotels:$
     Cruises, Tours, & Travel Agents:$     Vehicle Renters:$
     Movie Theaters & Entertainment:$     Computer & Electronics Stores:$
     Office Supply Stores:$     Courier, Postal, and Freight:$
Omit
Card
from
Calc?
Credit Card Name
(and link to card details and application)
First Year Net Reward Value (minus annual fee) Best
2-Card Combo
Best
3-Card Combo
More Details
and Apply for Card
Show Details  Chase Sapphire Preferred® Card $1635.00$1440.00$1417.50Apply Now
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  Citi ThankYou® Premier Card $1317.00Apply Now
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  Capital One® Venture® Rewards Credit Card $1296.00Apply Now
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Venture cardholders earn 5X miles on all food delivery and pickup orders with Uber Eats (through January 31, 2021).
  • Venture cardholders earn 5X miles on hotel and rental cars booked through Capital One Travel℠ (www.capitalonetravel.com).
  • Receive up to $100 application fee credit for Global Entry or TSA Pre√®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Show Details  Chase Sapphire Reserve℠ $1280.00Apply Now
  • Earn 60K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre√®
The first-year annual fee that was subtracted from the first-year reward value of this card is $550.
Show Details  British Airways Visa Signature® Card $1257.00Apply Now
  • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
  • Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
  • 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.
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  The Platinum Card® from American Express $1177.00Apply Now
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees 
The first-year annual fee that was subtracted from the first-year reward value of this card is $695.
Show Details  The World of Hyatt Credit Card $1142.60Apply Now
  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  Hilton Honors American Express Surpass Card $1138.50Apply Now
  • Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  Chase Freedom Unlimited® $1028.00Apply Now
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.*
  • Earn 3% on drugstore purchases.*
  • Earn 5% on travel purchased through Chase Ultimate Rewards.*
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Show Details  American Express® Gold Card $1022.00Apply Now
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
The first-year annual fee that was subtracted from the first-year reward value of this card is $250.
Show Details  Chase Freedom Flex℠ $956.00$528.00$528.00Apply Now
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 3% on dining at restaurants and drugstores.
  • Earn 5% on travel purchased through Chase.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • 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. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Show Details  Hilton Honors American Express Card $948.60Apply Now
  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
Show Details  Bank of America® Premium Rewards® Credit Card $945.00Apply Now
  • Receive 50,000 bonus points- a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don't expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® $908.00Apply Now
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening*
  • NEW: Earn 2 miles for every $1 spent at restaurants
  • NEW: Earn 2 miles for every $1 spent at gas stations
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
Show Details  Blue Cash Preferred® Card from American Express $901.00Apply Now
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
The first-year annual fee that was subtracted from the first-year reward value of this card is $95.
Show Details  United℠ Explorer Card $884.00Apply Now
  • Limited time offer - ends 7/16/18. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open plus $100 statement credit after your first purchase.
  • $0 introductory annual fee for the first year, then $95.
  • New! Earn 2 miles per $1 spent at restaurants and on hotel stays
  • New! Up to $100 Global Entry or TSA Pre√® Fee Credit
  • New! 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Show Details  Delta SkyMiles® Gold American Express Card $784.00Apply Now
  • Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Show Details  Southwest Rapid Rewards® Plus Credit Card $776.24Apply Now
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No blackout dates or seat restrictions
The first-year annual fee that was subtracted from the first-year reward value of this card is $69.
Show Details  Alaska Airlines Visa Signature® card $773.00Apply Now
  • Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.
  • Enjoy another Alaska's Famous Companion Fare™ every year! That's right, annually for $99 (plus taxes and fees from $22) on your account anniversary valid on Alaska and Virgin America flights booked on alaskaair.com
  • Save with a free checked bag on Alaska and Virgin America flights for you and up to six other passengers on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines and Virgin America purchases and 1 mile for every $1 spent on all other purchases. No foreign transaction fees.
  • There are two types of cards: the Visa Signature® card and the Platinum Plus® card. The card you receive will be determined by several factors including your income and credit history.
  • The benefits and bonus miles above apply to Visa Signature cards only. The Annual Fees, benefits and bonus miles for Platinum Plus® cards are different.
  • For more information on the differences, see the Features section accompanying the application.
The first-year annual fee that was subtracted from the first-year reward value of this card is $75.
Show Details  Bank of America® Travel Rewards Credit Card $772.00Apply Now
  • 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
  • New Offer: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.49% - 24.49% 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%
Show Details  Cathay Pacific Visa Signature® Card $766.00Apply Now
  • Earn 40,000 bonus Asia Miles after spending $2,000 or more in the first 90 days of opening your account. Offer expires December 31, 2018.
  • Earn 2 Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
  • Earn 1.5 Asia Miles per $1 spent on dining in the US or abroad.
  • Earn 1.5 Asia Miles per $1 spent on purchases outside of the US.
  • Earn 1 Asia Mile per $1 spent on all other purchases made in the US.
Show Details  Southwest Rapid Rewards® Premier Credit Card $746.24Apply Now
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions
The first-year annual fee that was subtracted from the first-year reward value of this card is $99.
Show Details  Wells Fargo Cash Wise Visa® Credit Card $722.00Apply Now
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Show Details  Delta SkyMiles® Platinum American Express Card $698.00Apply Now
  • Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre√®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
The first-year annual fee that was subtracted from the first-year reward value of this card is $250.
Show Details  Regions Premium Visa® Signature $697.00Apply Now
  • Earn 30,000 bonus points, which can be redeemed for $300 cash, when your net qualifying purchases made in the first 90 days total $2,000 or more.
  • Regions Relationship Rewards offers 1.5 points for every $1 in qualified purchases. Redeem points for travel, merchandise, or cash back.
  • Card benefits include Purchase security, Price Protection, Lost Luggage Reimbursement, Visa Signature Concierge, Trip Cancellation/Interruption and Roadside Dispatch.
The first-year annual fee that was subtracted from the first-year reward value of this card is $125.
Show Details  Citi® Double Cash Card $696.00Apply Now
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Show Details  Fidelity® Rewards Visa Signature® Card $696.00Apply Now
  • Get unlimited 2% cash bank into an eligible Fidelity account to either spend or invest
  • No category limitations
  • No Annual Fee
  • Points will not expire
  • Balance transfer fee: 3% of each transfer amount, $5 minimum
  • See Rates and Fees
Show Details  Blue Cash Everyday® Card from American Express $692.00Apply Now
  • Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • Terms Apply.
Show Details  Capital One® Quicksilver® Cash Rewards Credit Card $672.00Apply Now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; a variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; a variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Show Details  United℠ TravelBank Card $672.00Apply Now
  • $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open
  • Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United
  • Earn 1.5% in TravelBank cash per $1 spent on all other purchases
  • No foreign transaction fees
  • Enjoy 25% back as a statement credit on purchases of food and beverages onboard United-operated flights, when you pay with your United TravelBank Card.
  • TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
  • Your TravelBank cash accumulates in your United TravelBank account on United.com. There's no limit to how much TravelBank cash you can earn.
  • $0 Annual fee
Show Details  Citi® / AAdvantage® Executive World Elite™ Mastercard® $648.00Apply Now
  • Limited time offer: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $7,500 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
The first-year annual fee that was subtracted from the first-year reward value of this card is $450.
Show Details  Capital One® SavorOne℠ Cash Rewards Credit Card $642.00Apply Now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; a variable APR after that
  • 0% intro APR on balance transfers for 15 months; a variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Show Details  Capital One® VentureOne® Rewards Credit Card $635.00Apply Now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn unlimited 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; a variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Show Details  PenFed Power Cash Rewards Visa Signature® Card $622.00Apply Now
  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 1.5% unlimited cash back on all purchases. Flexible cash redemption options. No caps, limits or category restrictions on rewards. Earn up to 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security and federally insured by the NCUA
Show Details  First National Bank American Express® Card $622.00Apply Now
  • Earn 1.5% cash back on all purchases.
  • A one-time $100 automatic statement credit when you spend $500 in the first 3 billing cycles.
  • No Annual Fee
Show Details  Citi® / AAdvantage® Gold World Elite™ Mastercard® $598.00Apply Now
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
  • Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations
Show Details  IHG® Rewards Club Premier Credit Card $551.00Apply Now
  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights.
  • Earn 10 points per $1 spent when you stay at an IHG hotel.
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre√® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels and Holiday Inn®
The first-year annual fee that was subtracted from the first-year reward value of this card is $89.
Show Details  Citi ThankYou® Preferred Card $534.00Apply Now
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit on the amount of points you can earn with this card
  • No annual fee*
Show Details  Amazon Prime Rewards Visa Signature Card $526.00Apply Now
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval*
  • Exclusively for customers with an eligible Prime membership
  • 5% back at Amazon.com.
  • 2% back at restaurants, gas stations, and drug stores.
  • 1% back on all other purchases.
  • No annual credit card fee and No foreign transaction fees
Show Details  Best Western Rewards® Mastercard® $513.60Apply Now
  • Earn up to 2 FREE nights with bonus points - How you can earn free nights: Earn 16,000 bonus points after your first purchase and earn 16,000 bonus points on your first stay*
  • 13 points per $1 on Best Western stays (10 points as a Best Western Rewards® member, 3 points for using your Best Western Rewards® Mastercard®) 2 points per $1 spent everywhere else*
  • No Annual Fee*
  • Enjoy automatic Gold Elite Status with your Best Western Rewards® Mastercard®
  • Variable APR on purchases and balance transfers depending on your creditworthiness. This APR will vary based on the Prime Rate
Show Details  IHG® Rewards Club Traveler Credit Card $511.00Apply Now
  • Earn 60,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Earn 5,000 bonus points after you add your first authorized user and make your first purchase in the first three months from account opening
  • Enjoy a free reward night when you redeem points for any stay of 4 or more nights.
  • Earn 5 points per $1 spent when you stay at an IHG hotel.
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.
  • Earn Gold Elite status when you spend $10,000 on purchases with your Card each calendar year.
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels and Holiday Inn®
The first-year annual fee that was subtracted from the first-year reward value of this card is $29.
Show Details  Costco Anywhere Visa® Card by Citi $492.00$72.00Apply Now
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurant and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Show Details  Delta SkyMiles® Blue American Express Card $484.00Apply Now
  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
Show Details  Capital One® QuicksilverOne℠ Cash Rewards Credit Card $483.00Apply Now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 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
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
The first-year annual fee that was subtracted from the first-year reward value of this card is $39.
Show Details  Amazon Rewards Visa Signature Card $482.00Apply Now
  • Get a $50 Amazon.com Gift Card instantly upon credit card approval*
  • Exclusively for customers with an eligible Prime membership
  • 5% back at Amazon.com.
  • 2% back at restaurants, gas stations, and drug stores.
  • 1% back on all other purchases.
  • No annual credit card fee and No foreign transaction fees
Show Details  The Wyndham Rewards® Visa® Card $380.16Apply Now
  • Earn 15,000 bonus points after your first purchase - enough to redeem for up to 1 free night
  • Earn 3 points per $1 spent on every participating hotel stay
  • Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®)
  • Earn 1 point per $1 spent on other purchases
  • No annual fee
Show Details  First National Bank Complete Rewards℠ Visa® Card $373.00Apply Now
  • Earn 1% Back on Purchases: Redeem for cash back, gift cards, travel or merchandise.
  • Double Your Rewards: Choose to redeem your rewards into your checking, savings, mortgage or NEST 529 account for a higher value of 2% back.
  • Earn up to a $50 Bonus. Make a purchase in the first 3 billing cycles and you'll earn enough rewards to redeem for $25 in cash back, gift cards, travel or merchandise. Get $50 if you choose to redeem your bonus rewards into your checking, savings, mortgage or NEST 529 account.
  • No Annual Fee
Show Details  Simmons Bank Visa® Platinum Rewards $348.00Apply Now
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
Best First Year Reward Value (minus any annual fee)$1635.00$1968.00$2017.50
Best First Year Reward Percentage (of total spending)4.70%5.66%5.80%
Additional Reward Value for Using an Additional Card$333.00$49.50
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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Content Updated: 07/29/2021

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