Chase Freedom Flex Min Credit: Good No Annual Fee $200 Bonus 5× on Quarterly Rotating Categories (up to $1,500) 5× on Travel via Chase Travel 3× on Dining & Drugstores 0% Intro APR for 15 months Cash Back No Annual Fee
Chase Freedom Unlimited Min Credit: Good No Annual Fee $200 Bonus 1.5× on all other purchases 5× on travel via Chase Travel 3× on dining & drugstores 0% Intro APR for 15 months Cash Back No Annual Fee
Chase Sapphire Preferred Min Credit: Good $95 Annual Fee 75,000 Ultimate Rewards Points 5× on travel via Chase Travel 3× on dining & online grocery 2× on other travel $50 Annual Chase Travel Hotel Credit Travel
Sapphire Reserve Min Credit: Excellent $795 annual fee 125,000 Ultimate Rewards Points 3× on flights & hotels booked direct 3× on dining worldwide $300 annual travel credit + $300 dining credit Priority Pass Select membership Global Entry, TSA PreCheck, or NEXUS Fee Credit Travel Premium
IHG One Rewards Premier Min Credit: Good $99 annual fee 165,000 Bonus Points Up to 26× on IHG hotel stays 5× on travel, dining, gas 3× on other purchases Annual free night certificate (up to 40k points) Hotel
United Explorer Min Credit: Good $150 annual fee 60,000 Bonus Miles 7× on United purchases $100 Hotel Credit via United Hotels Free first checked bag & priority boarding Global Entry, TSA PreCheck, or NEXUS Fee Credit Airline
Southwest Rapid Rewards Priority Min Credit: Good $229 annual fee 50,000 Bonus Miles 4× on Southwest purchases 2× on dining & gas Free first checked bag Complimentary Preferred seat & Extra Legroom seat upgrade Airline
Marriott Bonvoy Boundless Min Credit: Good $95 annual fee 125,000 Bonus Points + 1 Free Night Award Up to 17× on Marriott purchases 3× on grocery, dining, gas 2× on all other purchases Annual free night award (35,000 pts) + Silver Elite status Hotel
World of Hyatt Min Credit: Good $95 annual fee 60,000 Bonus Points Up to 9× on Hyatt stays 2× on dining & airfare 2× on gym memberships & local transit Free night annually (Category 1–4) + Discoverist status Hotel
Blue Cash Preferred Min Credit: Good $95 annual fee $300 Bonus 6% cash back on U.S. supermarkets 6% on select U.S. streaming services 3% on U.S. transit & gas stations $120 Disney Streaming Credit Cash Back
American Express Gold Min Credit: Good $325 annual fee 100,000 Membersip Rewards Points 4× on dining worldwide & U.S. supermarkets 3× on flights booked directly or via Amex Travel $120 Uber Cash | $120 Dining Credit $84 Dunkin' Credit | $100 Resy Credit Cash Back
American Express Platinum Min Credit: Excellent $895 annual fee 175,000 Membersip Rewards Points 5× on flights booked directly or Amex Travel 5× on prepaid hotels via Amex Travel $600 Hotel Credit | $200 Uber Cash | $200 Airline Fee Credit $400 Resy Credit | $300 Digital Entertainment Credit | $200 Oura Ring Credit $300 lululemon Credit | $155 Walmart+ Credit | $100 Saks Credit Travel Premium
Delta SkyMiles Gold Min Credit: Good $150 annual fee 80,000 Bonus Miles 2× on Delta purchases 2× on dining & U.S. supermarkets First checked bag free & Priority boarding $100 Delta Stays Credit via Delta Stays Airline
Marriott Bonvoy Bevy Min Credit: Excellent $250 annual fee 85,000 Bonus Points 6× on Marriott stays 4× on dining & U.S. supermarkets 2× on all others Gold Elite Status Hotel
Marriott Bonvoy Brilliant Min Credit: Excellent $650 annual fee 100,000 Bonus Points 6× on Marriott stays 3× on dining worldwide & Flights booked directly $300 Brilliant Dining Credit Annual free night award (85,000 pts) + Platinum Elite Status Hotel Premium
Hilton Honors Min Credit: Good No Annual Fee 80,000 Bonus Points 7× on Hilton Purchases 5× on Dining, U.S. Supermarkets, Gas 3× on All Others Silver Status Hotel No Annual Fee
Hilton Honors Surpass Min Credit: Good $150 Annual Fee 130,000 Bonus Points 12× on Hilton Purchases 6× on Dining, U.S. Supermarkets, Gas 4x on U.S. Online Retail Purchases $200 Hilton Credit + Gold Status Hotel
Hilton Honors Aspire Min Credit: Excellent $550 Annual Fee 150,000 Bonus Points 14× on Hilton Purchases 7× on Flights, Dining, Car Rentals $400 Hilton Resort Credit $200 Flight Credit Free Night Reward + Diamond Status Hotel Premium
Citi Strata Premier Min Credit: Good $95 Annual Fee 60,000 Bonus Points 10x on Hotels, Car Rental via Citi Travel 3× on Air Travel, Hotels, Dining, Supermarkets 3x on Gas, EV Charging $100 Annual Hotel credit via Citi Travel Travel
Citi Strata Elite Min Credit: Excellent $595 Annual Fee 80,000 Bonus Points 12× on Hotels, Car Rental 6x on Air Travel via Citi Travel 3x on Dining $300 Annual Hotel Benefit | $200 Annual Splurge Credit | $200 Annual Blacklane American Airlines Admirals Club Lounge Access Passes Travel Premium
Advantage Platinum Select Min Credit: Good $99 annual fee 80,000 Bonus Miles 2× on American Airlines Purchases 2× on Dining & Gas First Checked Bag Free Preferred Boarding Airline
Citi Double Cash Min Credit: Good No Annual Fee $200 Bonus 2% on All Purchases 5% on Hotels, Car Rental via Citi Travel 0% Intro APR for 18 months Convert Rewards to ThankYou Points Cash Back No Annual Fee
Costco Anywhere Min Credit: Good No Annual Fee (Costco Membership Required) No Bonus 5% on Gas at Costco 4% on Other Eligible Gas & Electric Vehicle (EV) Charging 3% on Dining & Eligible Travel 2% on Costco Purchases Cash Back
Capital One VentureOne Rewards Min Credit: Good No Annual Fee 20,000 Bonus Miles 1.25× on All Purchases 5× on Hotels & Rental Cars via Capital One Travel Transfer Your Miles 0% Intro APR for 15 months Cash Back No Annual Fee
Capital One Venture Rewards Min Credit: Good $95 Annual Fee 75,000 Bonus Miles 2× on All Purchases 5× on Hotels & Rental Cars via Capital One Travel $50 Hotel Credit via Lifestyle Collection Global Entry or TSA PreCheck Fee Credit Travel
Capital One Venture X Rewards Min Credit: Excellent $395 annual fee 75,000 Bonus Miles 10× on Hotels & Rental Cars via Capital One Travel 5× on Flights via Capital One Travel $300 Annual Travel Credit 10,000 Miles Anniversary Bonus Capital One Lounges & Priority Pass Lounges Access Hotel
Bilt Min Credit: Good No Annual Fee No Bonus 1× on Rent (Mortgage Possible) 3× on Dining 2× on Travel 5x on Lyft & $5 Monthly Lyft Credits Travel No Annual Fee
Wells Fargo Active Cash Min Credit: Good No Annual Fee $200 Bonus 2% on All Purchases 0% Intro APR for 12 months Cell Phone Protection Cash Back No Annuel Fee
Alaska Airlines Atmos Ascent Min Credit: Good $95 Annual Fee 80,000 Bonus Points 3x on Alaska Airlines and Hawaiian Airlines Purchases 2x on Gas, EV Charging, Cable, Streaming Services, Local Transit Free Checked Bag on Alaska and Hawaiian Flights Priority Boarding on Alaska Airlines Airline
Alaska Airlines Atmos Summit Min Credit: Excellent $395 Annual Fee 100,000 Bonus Points 3x on Alaska Airlines and Hawaiian Airlines Purchases 3× on Foreign Transactions & Dining 10,000 Status Points Annually Free Checked Bag on Alaska and Hawaiian Flights Priority Boarding on Alaska Airlines Global Entry or TSA PreCheck Fee Credit Airline Premium
Bank of America Premium Rewards Min Credit: Good $95 Annual Fee 60,000 Bonus Points 2× on Travel & Dining 1.5× on Other Purchases $100 in Airline Incidental Statement Credits Global Entry or TSA PreCheck Fee Credit Travel
Bank of America Premium Rewards Elite Min Credit: Excellent $550 Annual Fee 75,000 Bonus Points 2× on Travel & Dining 1.5× on Other Purchases $300 in Airline Incidental Statement Credits $150 Lifestyle Conveniences Credit Travel Premium