All Credit Cards

Typically has the same offer as the other Avios-earning cards from Chase (British Airways and Iberia). No compelling perks overall but can be a great way to earn a chunk of points.

Good option for Pay Yourself Back or Aeroplan's other sweet spots.

Not necessarily a keeper long term but does allow you to save your transferrable points if you plan to use Flying Blue miles.

High annual fee, but worth it if you'll actually use the credits. Just note: getting this offer makes you ineligible for Gold or Green welcome offers, so open those first if you want them.

If you're new, prioritize Ink cards first. But if you're maxed out at Chase or want a break, this is a solid way to earn Membership Rewards — and existing Amex customers usually avoid the hard pull.

Strong earning and good transfer partners, but you'll need to actually use the small credits to justify the higher annual fee.

Great option to save on Amtrak trips. 40,000 points would cover about $1000 of train travel.

A solid option for earning Atmos Rewards, especially when you see an elevated offer.

Targeted at frequent Alaska and Hawaiian flyers but worth crunching the numbers before keeping past year one given the higher $395 annual fee.

A solid option for earning Atmos Rewards, especially when you see an elevated offer.

Generally a lackluster option compared to other bank travel cards.

The best Priority Pass access of any card with free unlimited guests and restaurant access. Plus you get 4 memberships included!

Not a very compelling card, even with no annual fee.

I think Bilt tried to make a card here to battle with our perennial favorite: the Chase Sapphire Preferred Card®. But frankly, they failed. Still ok if you want to jump through the Bilt hoops to earn on mortgages or rent payments.

This card has some earning potential....if you're willing to put in some mental energy and work.

A great way to keep your Membership Rewards points alive without an annual fee, and it doesn't hit your 5/24 count.

For a no annual fee card, the $7/month streaming benefit is great! A good starter card if you're fine earning cash back instead of points.

Generally not a card I recommend just because it only earns cash back - not points, plus it has a $95 annual fee.

Great to get if you're planning to fly British Airways to London because beyond the points, you can get up to $100 in statement credits per economy booking on British Airways award bookings that originate in the US (max of 3 credits per year).

A no-annual-fee business cash back card with flat 1.5% on every purchase — and that rate climbs to as high as 2.625% if you qualify for Bank of America's Preferred Rewards for Business program.

When this offer goes to $750 cash back it's a very solid offer for a no-annual fee business card that will keep you under 5/24

A fair-credit Capital One card meant for credit building, not earning rewards. But a decent option if that's what you need.

Solid as a starter card if you want simplicity, but usually I'd recommend other options like Capital One Savor Cash Rewards Credit Card.

Good earning rates especially for grocery stores and dining and entertainment. You can combine the cash back you earn with a card that earns Venture miles.

Good offer for no annual fee card but unlike most business cards, this one reports to your personal credit reports and counts toward 5/24.

Great option if you have a lot of expenses coming up. Doesn't report to personal credit, so it won't count toward your 5/24.

Great option to earn cash back (and could convert that to Venture miles) but will add to your 5/24 count.

Great option to earn Venture miles with a business card that won't add to your 5/24 count

Great overall card option to earn some Venture miles which are very beginner-friendly.

Very similar to the personal version but does still give Priority pass guest access to 2 guests which is a plus.

If you can easily use the $300 travel credit, this card is a keeper. Lounge access is pretty stingy though unless you're a high spender.

Decent offer for a no annual fee card, but will add to your 5/24 count

Capital One's no-annual-fee Venture family option. Welcome bonus is small but won't cost you anything to keep.

A great starter card from Chase mainly due to the bonus categories (5% back on rotating categories each quarter, on up to $1500 per quarter, 3% back on dining and drugstores).

Good option for starting to build credit.

This is a great way to boost your Ultimate Rewards® earnings! This is especially a great option for people who are just getting into points as they build credit.

THE top beginner card I recommend for points. The travel protections it provides are top tier, too!

High annual fee but if you can use at least some of the coupons on this card, you can come out ahead and have some great perks. I personally really like this card but it does take work to manage.

This annual fee is certainly hefty but if your business will use enough of the credits it provides some solid value.

The earning rates are lower than the Select version (5x at Choice vs. 10x, 3x on bonus categories vs. 5x), so this is more of a welcome-offer-and-sock-drawer card than a card you'd want to use.

When the offier is elevated, this is a strong optoin to collect Choice points. Could also easily be a keeper with the 30,000 points a year you get on your account anniversary.

This can be a good starter card or a good way to strategically earn extra Thank You points.

A solid no-annual fee card that can combine with Strata products and effectively earn Thank You points.

The credits make it a bit harder to get the full value of that $595 annual fee back. But because they are calendar year credits, the very first year of holding the card has a much higher value potential.

Best perks on this are the ability to transfer to American Airlines and a 2 year extended warrany on items you purchase.

Lower transfer ratios for Thank You points but I do like the 3x earning on grocery stores.

Great card to get to stay below 5/24 and stock up on AA miles.

This steep annual fee really only makes sense if you're a heavy user of AA lounges or AA Vacation credits. Otherwise the lower annual fee AA cards will give you more bang for your buck.

Highest value in the first year since the annual fee is a bit steep compared to the benefits.

Not necessarily a long term keeper but a great one to earn some valuable AA miles.

This is the most basic Delta card and has no annual fee.

Solid Delta card with free checked bags, priority boarding, and useful credits. Important: get this one BEFORE the Platinum or Reserve, since holding either of those makes you ineligible for the welcome offer.

Solid card option for earning Delta miles. Elevated offers cycle through frequently, I'd recommend waiting for an elevated offer before you get this card.

Strong value for regular Delta flyers. But note: you're not eligible for the welcome offer if you've held the Delta Reserve in the past ~7 years, so apply BEFORE upgrading to Reserve.

This card is a coupon book of credits and perks — if you'll actually use them, the annual fee is easy to justify.

A giant coupon book. But note! If you want Delta cards, apply for Gold FIRST.

The annual fee is on the higher side, but if you're traveling a lot on Delta, the benefits can potentially outweigh the cost.

Interesting option for Disney fans, especially if you can use the $10/month streaming credit.

Generally speaking, I think this card doesn't offer a ton of value long term.

Decent option to get some Atmos Rewards, though the Alaska cards usually have higher offers.

The Annual Free Night Award alone (usable at any Hilton) can cover part of the $550 fee. Just make sure you'll actually use all the benefits before committing.

Wait for an elevated offer on this card, I especially like the ones that include a free night certificate

Easy to recoup the $150 annual fee if you stay at Hilton regularly — between the $200 Hilton credit and Gold status perks.

Typically has the same offer as the other Avios-earning cards from Chase (British Airways and Aer Lingus). No compelling perks overall but can be a great way to earn a chunk of points.

I prefer this to the personal version of this card since it has less of an impact on your credit score and 5/24 status.

I love the annual free night certificate on this one and 4th night free when you book with points.

Good option for a no annual fee card! This card also unlocks the ability to get your 4th night free on IHG award stays.

A perennial favorite! No annual fee and you can convert the cash back > Ultimate Rewards if you also have a card like the Chase Sapphire Preferred® Card

Overall good card option for earning Ultimate Rewards. One of the few that still earns 3x on travel.

Unlike other cash back offers from Chase, there is no option to combine what you're earning here with a Chase Sapphire Preferred® Card and then transfer to Hyatt or United, etc. For that reason, I rarely recommend this card — especially because it has a high annual fee with few benefits.

A perennial favorite! No annual fee and you can convert the cash back > Ultimate Rewards if you also have a card like the Chase Sapphire Preferred® Card

Fairly standard benefits on this card for a lower annual fee airline card. A solid option to grab when the offer is elevated.

This is a good card to earn some quick JetBlue points.

Decent for the first year, especially if you can use the $300 travel credit in 2 calendar years. Also includes Priority Pass restaurant access.

Most of the perks aren't easy-to-access for the average user but a decent option when there is a strong elevated offer.

Often a decent option for no annual fee, especially because it offers an upgrade pathway to the Ritz Carlton® Card after a year. Current rules can change.

If you like Marriott, this is a keeper card — we find that the annual free night is easy to redeem at hotels that cost $250+ per night.

The annual fee on this card is high, especially compared with the benefits you get. For most people, the Boundless is going to be a better value.

High annual fee but the perks can easily justify it for Marriott loyalists.

I like that it won't affect your 5/24 status + has a free night certificate every year

Not typically worth a 5/24 slot but does include a free Amazon prime membership for a low $49 annual fee.

Points are worth a little less than 1 cent per point so I don't recommend spending on this -- it's more of a sock-drawer card for the perks.

Overall really only makes sense if you have very specific travel plans that it will help with.

Lowest annual fee Southwest card. Overall, I think the other 2 personal cards provide a bit better value.

I think the overall value is currently most balanced on this one, comparing all the Southwest cards with their new higher annual fees.

Highest annual fee for a Southwest personal card but gives you peace of mind by being able to confirm your seats (for free) right when you book, even if you book Basic fares.

Steep annual fee but might be worth it to help you earn a Companion Pass.

This would be my choice of business card -- as long as the math works out and still allows you to earn a Companion Pass.

An okay no-annual-fee option, but not one I regularly recommend.

High annual fee but the stack of statement credits (Dell, Indeed, Adobe, Wireless, Hilton, hotel, airline, Clear+) can easily justify it for big-spending business owners.

A solid way to earn Hilton points without adding to your 5/24 count.

Long term keeper card for the annual free night certificate alone!

Might be the best no-annual fee card out there -- comes with 4 Priority pass visits per year!

Great in year one for 4 Priority Pass visits (including restaurants) when the annual fee is waived.

When this offer goes to $750 cash back it's a very solid offer for a no-annual fee business card that will keep you under 5/24

If you are very committed to flying United/Star Alliance partners and have a large family, this card could definitely make sense. If you fly a variety of airlines, it would be hard to get the value of the annual fee out of this card.

If you are very committed to flying United/Star Alliance partners and have a large family, this card could definitely make sense. If you fly a variety of airlines, it would be hard to get the value of the annual fee out of this card.

Overall, nothing too exciting on this card as you don't get too many notable perks.

Hard to get great value long term on this card but can be worth it during an elevated offer.

The 10% off (or more) on award flights makes this a good option if you're planning to book on United.

The 10% off (or more) on award flights makes this a good option if you're planning to book on United.

Great transfer ratios to Choice and Wyndham (1:2)! And good 3x earning on travel and restaurants.

Other than the ability to spend and earn elite night credits to get to Globalist status, the annual fee doesn't provide so much value compared to the perks.

Annual points on account anniversary can easily offset the annual fee plus 8x on gas!

Annual points on account anniversary can help offset the annual fee but overall the business version has higher keeper value.