 | Chase Sapphire Reserve | Chase | Personal | 100000 | 100000 | Chase Ultimate Rewards | Yes | $795 | 2.05 | Checked Chase.com 2026-10-02. 8x Chase Travel including The Edit; 4x flights booked direct; 4x hotels booked direct; 3x dining including takeout and eligible delivery; 1x other. $795 annual fee ($195 per authorized user). $300 anniversary travel credit and the up-to-$500 Edit credit do not earn points on the credited amount. Exclusive Tables dining credit up to $300. Lyft is $10/month and 5x through 9/30/2027. Peloton equipment is 10x through 12/31/2027. Points Boost can be worth up to 2x on select Chase Travel flights and hotels. Public signup offer: 100,000 points after $6,000 in 3 months; offers vary. $75,000-spend benefits are not in the credit totals. |
 | Chase Sapphire Preferred | Chase | Personal | 75000 | 75000 | Chase Ultimate Rewards | Yes | $95 | 2.05 | Checked Chase.com 2026-10-02. $95 annual fee. 5x Chase Travel; 3x dining; 3x online groceries excluding Target, Walmart, and wholesale clubs (the groceries category stays blank so in-store supermarkets are not treated as 3x); 3x select streaming; 3x gas stations and EV charging; 3x vacation-home rentals booked direct with Airbnb, Vrbo, and similar (no separate spend category; other travel stays 2x); 2x other travel; 1x else. Airfare in the calculator uses 2x other travel, not 5x, because most flights are not booked in Chase Travel. $100 Chase Travel hotel credit each account anniversary; the credited amount does not earn points. 5x Lyft through 9/30/2027. World of Hyatt transfers are 4:3 (1,000 points become 750). The 10% anniversary bonus is not included. Public signup offer: 75,000 points after $5,000 in 3 months; offers vary. |
 | Chase Freedom Flex | Chase | Personal | $200 | $200 | Chase Ultimate Rewards | Yes | $0 | 2.05 | No annual fee |
 | Chase Freedom Unlimited | Chase | Personal | $200 | $200 | Chase Ultimate Rewards | Yes | $0 | 2.05 | No annual fee; $200 bonus after $500 spend |
 | Chase Ink Business Preferred | Chase | Business | 120000 | 120000 | Chase Ultimate Rewards | Yes | $95 | 2.05 | 3x points on first $150k per year in combined purchases of travel, shipping, internet/cable/phone and advertising via search engines or social media |
 | Chase Ink Business Cash | Chase | Business | $350 | $750 | Chase Ultimate Rewards | Yes | $0 | 2.05 | No annual fee; total sign-up bonus includes $350 after $3k spend and an additional $400 after $6k spend |
 | Chase Ink Business Unlimited | Chase | Business | $750 | $750 | Chase Ultimate Rewards | Yes | $0 | 2.05 | No annual fee; same $750 sign-up bonus as Business Cash |
 | United Explorer Card | Chase | Personal | 60000 | 90000 | United MileagePlus | No | $150 | - | Earn 2x miles on United purchases, restaurants, and hotels |
 | United Quest Card | Chase | Personal | 100000 | 100000 | United MileagePlus | No | $350 | - | Earn 3x miles on United purchases; 2x on other travel, dining, and select streaming services |
| Southwest Rapid Rewards Plus | Chase | Personal | 100000 | 100000 | Southwest Rapid Rewards | No | $99 | - | 2x points on Southwest purchases; categories (gas/grocery, local transit, internet/cable/phone/streaming) earn 2x on first $5k each year |
 | Capital One Venture X | Capital One | Personal | 75000 | 75000 | Capital One Miles | Yes | $395 | 1.85 | Earn 5x miles on flights and 10x miles on hotels & rental cars booked via Capital One Travel; 2x miles on other purchases |
 | Capital One Venture | Capital One | Personal | 75000 | 75000 | Capital One Miles | Yes | $95 | 1.85 | Earn 2x miles on all purchases; 5x miles on hotels and rental cars booked through Capital One Travel |
 | American Express Platinum | American Express | Personal | 100000 | 175000 | Amex Membership Rewards | Yes | $895 | 2.00 | 5x points on flights booked directly with airlines or via Amex Travel and on prepaid hotels booked via Amex Travel; $600 hotel credit on prepaid FHR/Hotel Collection stays ($300 semi-annually); $400 Resy credit ($100 quarterly); numerous lifestyle credits |
 | American Express Gold | American Express | Personal | 60000 | 100000 | Amex Membership Rewards | Yes | $325 | 2.00 | 4x points on restaurants worldwide and U.S. supermarkets (up to $25k per year), 3x on flights booked with airlines or Amex Travel |
 | American Express Green | American Express | Personal | 40000 | 40000 | Amex Membership Rewards | Yes | $150 | 2.00 | 3x points on travel, transit and restaurants; 1x on other purchases |
 | Citi AAdvantage Executive World Elite | Citi | Personal | 70000 | 100000 | American Airlines AAdvantage | No | $595 | - | Earn 4x miles on American Airlines purchases (5x after $150k spend); 10x miles on hotels and car rentals booked through AAdvantage portals |
 | Citi AAdvantage Platinum Select | Citi | Personal | 80000 | 80000 | American Airlines AAdvantage | No | $99 | - | 2x miles on American Airlines purchases, restaurants, and gas stations; $99 annual fee waived first year Earn 80,000 miles after $3,500 spend in 4 months. |
 | Bilt Blue Card | Column N.A. | Personal | $0 | $0 | Bilt Rewards | Yes | $0 | 2.20 | Bilt Card 2.0 Housing-only: housing earn (up to 1.25x) is tiered from everyday spend vs housing payment in the same cycle. No 5-transaction minimum. Issuer Column N.A. (Cardless). |
 | Bilt Obsidian Card (Dining) | Column N.A. | Personal | $0 | $0 | Bilt Rewards | Yes | $95 | 2.20 | Obsidian 3x category set to Dining (uncapped). Housing-only tiers up to 1.25x from everyday spend vs rent/mortgage. Hotel credit requires qualifying Bilt Travel portal stays. |
| Bilt Obsidian Card (Grocery) | Column N.A. | Personal | $0 | $0 | Bilt Rewards | Yes | $95 | 2.20 | Obsidian 3x category set to Grocery (capped $25k/year then 1x). Housing-only tiers up to 1.25x from everyday spend vs rent/mortgage. Hotel credit requires qualifying Bilt Travel portal stays. |
 | Bilt Palladium Card | Column N.A. | Personal | $0 | $0 | Bilt Rewards | Yes | $495 | 2.20 | Bilt Card 2.0 premium tier. Housing-only tiers up to 1.25x from everyday spend vs rent/mortgage. Welcome offers change often — not modeled. Credits stored for reference; optimizer nets annual fee only (same as other cards). |
 | Bank of America Premium Rewards | Bank of America | Personal | 60000 | 60000 | Bank of America Points | No | $95 | - | 2x points on travel and dining; 1.5x on other purchases |
 | Bank of America Travel Rewards | Bank of America | Personal | 25000 | 25000 | Bank of America Points | No | $0 | - | 3x points on travel booked via Bank of America Travel Center; 1.5x points on all other purchases; no annual fee |
 | Alaska Airlines Visa Signature | Bank of America | Personal | 65000 | 65000 | Alaska Mileage Plan | No | $95 | - | 3x miles on Alaska Airlines purchases; 2x miles on gas, EV charging, local transit, rideshare, cable, and select streaming; 1x on other purchases |
| U.S. Bank Altitude Reserve | U.S. Bank | Personal | 50000 | 50000 | U.S. Bank Points | No | $400 | - | 5x points on prepaid hotels and car rentals booked via Altitude Rewards Center; 3x points on eligible travel and mobile wallet purchases |
| U.S. Bank Altitude Connect | U.S. Bank | Personal | 20000 | 20000 | U.S. Bank Points | No | $0 | - | 5x points on prepaid hotels and car rentals via Altitude Rewards Center; 4x points on travel and gas/EV (quarterly cap); 2x on dining, streaming and grocery stores; $0 annual fee |
| U.S. Bank Cash+ | U.S. Bank | Personal | $200 | $200 | U.S. Bank Cash Back | No | $0 | - | No annual fee; 5% categories require activation each quarter |
 | Fidelity Rewards Visa | Fidelity/Elan | Personal | $0 | $0 | Fidelity Rewards Points | No | $0 | - | 2x points on all purchases; no annual fee and no foreign transaction fees |
 | Delta SkyMiles Gold | American Express | Personal | 60000 | 70000 | Delta SkyMiles | No | $150 | - | 2x miles on Delta purchases, restaurants and U.S. supermarkets; $200 Delta flight credit after $10k spend and $100 Delta Stays credit |
 | Delta SkyMiles Platinum | American Express | Personal | 60000 | 100000 | Delta SkyMiles | No | $350 | - | 3x miles on Delta purchases and hotels, 2x miles at restaurants and U.S. supermarkets; includes $120 Resy dining credit and $120 rideshare credit |
 | Delta SkyMiles Reserve | American Express | Personal | 70000 | 70000 | Delta SkyMiles | No | $650 | - | 3x miles on Delta purchases; includes $240 Resy credit and $120 rideshare credit; 15% off award flights |
| JetBlue Plus Card | Barclays | Personal | 50000 | 50000 | JetBlue TrueBlue | No | $99 | - | 6x points on JetBlue purchases; 2x points at restaurants and grocery stores; 1x point on all other purchases |
| Capital One Spark Miles for Business | Capital One | Business | 50000 | 50000 | Capital One Miles | Yes | $95 | 1.80 | 2x miles on all purchases; 5x miles on hotels and rental cars booked via Capital One Travel; annual fee waived first year |
| Capital One Spark Cash Plus | Capital One | Business | 2000 | 4000 | Cash Back | Yes | $150 | 1.00 | Earns 2% cash back on all purchases; $2k bonus after $30k spend plus $2k additional for each $500k spend in first year |
| Capital One Venture X Business | Capital One | Business | 150000 | 150000 | Capital One Miles | Yes | $395 | 1.80 | 2x miles on every purchase; 5x miles on flights and 10x miles on hotels and rental cars booked via Capital One Travel |
 | Amex Business Platinum | American Express | Business | 150000 | 150000 | Membership Rewards | Yes | $895 | 2.00 | 5x points on flights and prepaid hotels booked through AmexTravel; 2x points on key business categories (U.S. construction, hardware, electronics, software & cloud providers, shipping) and purchases of $5,000 or more (up to $2M per year); 1x on other purchases |
 | Amex Business Gold | American Express | Business | 100000 | 100000 | Membership Rewards | Yes | $375 | 2.00 | 4x points in the top 2 spending categories each billing cycle (from U.S. advertising, U.S. gas stations, restaurants, shipping providers, transit, software/cloud services, electronics retailers, and wireless telephone services) up to $150,000 per year; 3x points on flights and prepaid hotels booked through AmexTravel; 1x on other purchases |
 | Amex Blue Business Plus | American Express | Business | 15000 | 15000 | Membership Rewards | Yes | $0 | 2.00 | Earn 2x Membership Rewards points on the first $50,000 in purchases each year, then 1x; 0 annual fee |
 | Amex Blue Business Cash | American Express | Business | $250 | $250 | Cash Back | Yes | $0 | 1.00 | Free employee cards; includes rental car damage waiver and extended warranty coverage Statement credit after $3,000 spend in 3 months. |
 | Delta SkyMiles Gold Business | American Express | Business | 60000 | 60000 | Delta SkyMiles | Yes | $150 | 1.30 | 2x miles on Delta purchases, restaurants, U.S. advertising and shipping (up to $50k per category per year), 1x on other purchases; $0 intro annual fee for the first year then $150 |
 | Delta SkyMiles Platinum Business | American Express | Business | 70000 | 70000 | Delta SkyMiles | Yes | $350 | 1.30 | 3x miles on Delta purchases and hotels; 1.5x miles on purchases of $5,000 or more (up to $100,000 per year); 1x on other purchases |
 | Delta SkyMiles Reserve Business | American Express | Business | 80000 | 80000 | Delta SkyMiles | Yes | $650 | 1.30 | 3x miles on Delta purchases; 1.5x miles on eligible transit, U.S. shipping, and office supply stores, plus all purchases after $150k spend; 1x on other purchases |
| Southwest Rapid Rewards Premier Business | Chase | Business | 60000 | 60000 | Southwest Rapid Rewards | Yes | $149 | 1.30 | 3x points on Southwest Airlines purchases; 2x on gas stations and restaurants (first $8k in combined purchases per year); 2x on Rapid Rewards hotels and car rental partners; 2x on local transit and commuting and rideshares; 2x on internet, cable, phone services and select streaming through Dec 31 2025; 1x on other purchases |
| Southwest Rapid Rewards Performance Business | Chase | Business | 80000 | 80000 | Southwest Rapid Rewards | Yes | $299 | 1.30 | 4x points on Southwest Airlines purchases; 2x points at gas stations and restaurants; 2x points on local transit and commuting (including rideshare); 2x on hotel accommodations booked directly with hotel; 1x on all other purchases |
 | Citi Strata Elite | Citi | Personal | 80000 | 100000 | Citi ThankYou | Yes | $595 | 1.85 | 12x points on hotels, car rentals and attractions booked through Citi Travel; 6x on flights booked through Citi Travel; 6x points at restaurants on Friday & Saturday nights via Citi Nights, 3x at restaurants other times; 1.5x on all other purchases |
 | Citi Strata Premier | Citi | Personal | 60000 | 60000 | Citi ThankYou | Yes | $95 | 1.85 | 10x points on hotels, car rentals, and attractions booked through Citi Travel; 3x points on air travel, hotels, restaurants, supermarkets and gas/EV stations; 1x on other purchases |
 | Citi Strata | Citi | Personal | 30000 | 30000 | Citi ThankYou | Yes | $0 | 1.85 | 5x points on hotels, car rentals and attractions booked through Citi Travel; 3x points on supermarkets; 3x points on select transit and gas/EV stations; 3x points on one self-select category; 2x points at restaurants; 1x points on all other purchases |
 | Citi Double Cash | Citi | Personal | 20000 | 20000 | Cash Back / ThankYou Points | Yes | $0 | 1.85 | Earns 2% cash back on every purchase (1% when you buy and 1% when you pay); up to 5% total cash back on hotels, car rentals and attractions booked through Citi Travel; 20k ThankYou points after spending $1,500 in first 6 months (worth $200 cash back) |
 | United Business Card | Chase | Business | 100000 | 100000 | United MileagePlus Miles | No | $150 | 1.30 | Free first checked bag; priority boarding; 2 United Club passes; PQP bonus after spend |
| United Club Business Card | Chase | Business | 100000 | 110000 | United MileagePlus Miles | No | $695 | 1.30 | Includes United Club membership; free checked bags; Premier Access; PQD waiver; Hertz President's Circle; additional coupons |
| AAdvantage Aviator Business Card | Barclays | Business | $0 | 80000 | AAdvantage Miles | No | $95 | 1.40 | Currently no public welcome offer; previous offers up to 80k miles |
 | Alaska Airlines Business Card | Bank of America | Business | 60000 | 75000 | Alaska Mileage Plan Miles | No | $95 | 1.60 | Company fee $70 plus $25 per card; qualifies for 3x on Alaska purchases, 2x on gas/EV charging, shipping, and local transit, 1x other |
| Alaska Airlines Visa Signature Card | Bank of America | Personal | 50000 | 50000 | Alaska Mileage Plan Miles | No | $95 | 1.60 | |
 | Hawaiian Airlines World Elite Card | Barclays | Personal | 60000 | 70000 | HawaiianMiles | No | $99 | 0.90 | |
 | Hawaiian Airlines Business Card | Barclays | Business | 60000 | 70000 | HawaiianMiles | No | $99 | 0.90 | Categories assumed similar to personal card: 3x on Hawaiian Airlines purchases, 2x on gas, dining & office supplies, 1x other |
| Marriott Bonvoy Boundless Card | Chase | Personal | $0 | 150000 | Marriott Bonvoy Points | Yes | $95 | 0.70 | Welcome offer: 3 Free Night Awards up to 50k points each after $3k spend in 3 months 3 Free Night Awards after $3,000 in 3 months (up to 150,000-point value); certain hotels may charge resort fees. |
| Marriott Bonvoy Bold Card | Chase | Personal | 30000 | 30000 | Marriott Bonvoy Points | Yes | $0 | 0.70 | |
| Marriott Bonvoy Bountiful Card | Chase | Personal | 85000 | 85000 | Marriott Bonvoy Points | Yes | $250 | 0.70 | Chase version; sign-up bonus 85k points after $4k spend |
| Marriott Bonvoy Bevy Card | American Express | Personal | 85000 | 135000 | Marriott Bonvoy Points | Yes | $250 | 0.70 | Amex version; limited-time offer 85k+50k points after spending $7k total |
| Marriott Bonvoy Brilliant Card | American Express | Personal | 185000 | 185000 | Marriott Bonvoy Points | Yes | $650 | 0.70 | Sign-up bonus 185k points after $6k spend; includes Global Entry/TSA PreCheck credit and Priority Pass |
| Marriott Bonvoy Business Card | American Express | Business | 125000 | 125000 | Marriott Bonvoy Points | Yes | $125 | 0.70 | Limited-time offer 125k points after $8k spend in 3 months |
| World of Hyatt Card | Chase | Personal | 25000 | 25000 | World of Hyatt Points | Yes | $95 | 1.70 | Welcome offer: 2 Free Night Awards up to Cat 1-4 + 25k points after $4k spend (10k after additional spend) Plus 2 free nights after $4,000 spend in 3 months, and 25,000 more points after $15,000 spend in 6 months. |
| World of Hyatt Business Card | Chase | Business | 60000 | 60000 | World of Hyatt Points | Yes | $199 | 1.70 | Plus 2 free nights after $4,000 spend in 3 months, and 25,000 more points after $15,000 spend in 6 months. Earn 60,000 points after $5,000 spend in 3 months. |
 | Hilton Honors Card | American Express | Personal | 100000 | 100000 | Hilton Honors Points | No | $0 | 0.50 | Welcome bonus: ~100k points + $100 statement credit after $2k spend |
 | Hilton Honors Surpass Card | American Express | Personal | 130000 | 130000 | Hilton Honors Points | No | $150 | 0.50 | |
 | Hilton Honors Aspire Card | American Express | Personal | 175000 | 175000 | Hilton Honors Points | No | $550 | 0.50 | |
 | Hilton Honors Business Card | American Express | Business | 150000 | 175000 | Hilton Honors Points | No | $95 | 0.50 | |
 | Capital One Savor | Capital One | Personal | $200 | $200 | Cash Back | No | $95 | - | 4% cash back on dining, entertainment, and popular streaming services; 3% at grocery stores; 1% on other purchases |
 | Robinhood Gold | Robinhood | Personal | | | Cash Back | No | - | - | No foreign transaction fees; requires Robinhood Gold subscription; virtual card support |
| Costco Anywhere Visa Card by Citi | Citi | Personal | 0 | 0 | Cash Back | No | $0 | 1.00 | Requires Costco membership; rewards paid annually as certificate; no foreign transaction fees; 4% on gas up to $7,000/year then 1% |
| Wells Fargo Autograph | Wells Fargo | Personal | 20000 | 20000 | Wells Fargo Rewards | Yes | $0 | 1.60 | 3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans; no annual fee; transferable points |
| Wells Fargo Autograph Journey | Wells Fargo | Personal | 60000 | 60000 | Wells Fargo Rewards | Yes | $95 | 1.60 | 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants; $50 annual airline credit; transferable points |
| Wells Fargo Active Cash | Wells Fargo | Personal | 200 | 200 | Wells Fargo Rewards | Yes | $0 | 1.60 | Unlimited 2% cash back on all purchases; no annual fee; cell phone protection |
| Wells Fargo Attune | Wells Fargo | Personal | 100 | 100 | Wells Fargo Rewards | Yes | $0 | 1.60 | 4% cash back on self-care (beauty, fitness, spas), sports/entertainment, pet care, gardening, thrift stores, public transit, EV charging; no annual fee; no late fees |