Mastercard — 41 cards

• 0% intro APR on balance transfers for the first 15 billing cycles (for balance transfers made within 45 days of account opening)

• 0% intro APR on balance transfers for the first 15 billing cycles (for balance transfers made within 45 days of account opening)

• $0 Fraud Liability protection

A bookstore co-branded card. In June 2026 Barclays and Barnes & Noble announced a renewed long-term exclusive partnership (low risk of the card being discontinued); 5% back at bookstores is meaningful for heavy B&N book buyers, but the card is mediocre everywhere else.

A no-annual-fee cruise co-branded card, well suited to frequent Carnival cruisers earning onboard credit. The official FAQ confirms that in September 2026 this card will convert to the 'Carnival Rewards Mastercard' and join the new Carnival Rewards program (3x on Carnival from the card plus 3x from the program for up to 6x combined, 2x at restaurants and grocery stores, 1 Status Qualifying Star per $1 spent, and 2,500 points for $2,000 in spend each anniversary year); existing Fun Points will convert automatically at that time — check the official site then for final details.

• Up to $120 — Global Entry or TSA PreCheck application fee statement credit (once every 5 years)

• Emirates Skywards Silver tier status for 12 months from account opening (retain by spending $20,000 in Net Purchases annually)
• Access to the Emirates Business Class Lounge in Dubai (primary cardmember only)
• 25% bonus Miles on Emirates flight purchases
• Complimentary Economy Class seat selection, plus priority check-in and boarding

• $100 — flight voucher on your account anniversary (requires $2,500 spend that year)

• 0% promotional APR for 9 billing cycles — on eligible GM purchases made within 30 days of account opening; eligible GM purchases after 30 days receive a 0% promotional APR for 6 billing cycles

• 0% introductory APR for 9 months — on an eligible GM purchase of $499 or more made within 30 days of account opening

• Free first checked bag
• Priority Group boarding
• 10% of your points back when you redeem for award flights
• 5,000 bonus points each year after your account anniversary

• 0% intro APR on balance transfers for the first 12 billing cycles (for balance transfers made within 45 days of account opening)

• $100 annual statement credit — after purchasing a JetBlue Vacations package of $100 or more (once per year)
• 5,000 bonus points — each year after your account anniversary

• Up to $300/year — in statement credits for eligible TrueBlue Travel purchases (hotels, car rentals, cruises, etc.)

• 2 complimentary Lufthansa Business Lounge vouchers annually
• Annual Economy Class Companion Ticket (companion pays only taxes and fees)
• Annual fee waived for Senators and HON Circle members

• $250 Vacation Credit after spending $10,000 in a year
• 5% Rewards back every time you redeem, as a bonus toward your next redemption

The current flagship of the Sallie Mae/Upromise line of education-savings co-branded cards — a fit for families saving for a child's college fund who want everyday spending to flow automatically into a 529 account balance; the earn rate is competitive even without linking a 529 plan.

Xbox's first co-branded card, beta-tested in September 2023 and opened to the entire U.S. in April 2024. Points can only be redeemed within the Microsoft Store/Xbox ecosystem (digital games, console/controller hardware, the first Game Pass subscription period, etc., issued as statement credits) — a fit for Xbox/PC Game Pass gamers. Charges a 3% foreign transaction fee, so not a card to use abroad.

• Employee cards at no additional cost
• QuickBooks integration
• Travel accident insurance up to $100,000 (the earlier $1,000,000 vs $100,000 source conflict is resolved: $1,000,000 is the Business Advantage Travel Rewards card's coverage, this card is $100,000; per hellosafe/wallethub benefit breakdowns, verified 2026-07-10)
• Auto rental collision damage waiver
• Free Dun & Bradstreet business credit scores (via Business Advantage 360)
• Zero liability protection, purchase security / extended warranty coverage

• Employee cards at no additional cost
• Travel accident insurance up to $1,000,000 (common carrier: flights/trains/cruise ships; the only one of the three business cards with $1,000,000 coverage, per hellosafe/wallethub, verified 2026-07-10)
• Auto rental collision damage waiver, emergency assistance services
• Free Dun & Bradstreet business credit scores
• Purchase security, zero liability protection, Balance Connect overdraft protection

• Employee cards at no additional cost
• QuickBooks integration
• Travel accident insurance up to $100,000 (coverage-amount conflict resolved, see the remark on the Business Advantage Customized Cash Rewards card, verified 2026-07-10)
• Auto rental collision damage waiver, free Dun & Bradstreet business credit scores, zero liability protection

• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS
• 12 months of complimentary DashPass membership + up to $10 per quarter in DoorDash credits on non-restaurant orders

• 6 months of complimentary DashPass membership (one-time, activation required) + up to $10 per quarter in DoorDash credits on non-restaurant orders

• 1 Anniversary Free Night (redemption level up to 40,000 points) each cardmember year
• $100 statement credit + 10,000 points after spending $20,000 in a calendar year
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS

• 1 Anniversary Free Night (redemption level up to 40,000 points) each cardmember year
• $100 statement credit + 10,000 points after spending $20,000 in a calendar year
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS
• Up to $50/year in United TravelBank cash ($25 each in January and July; MileagePlus account linking required)
• 1 year of DashPass membership (activate by 2027-12-31)

• 10,000 points after spending $10,000 in a calendar year

• 25% savings on inflight food and beverage purchases on American Airlines flights
• No authorized user fee

• Citi Entertainment special access to purchase presale event tickets
• Citi Flex Pay installment payments
• Free FICO score access
• 0% intro APR on balance transfers for 18 months

• No late fees
• No penalty rate (penalty APR)

• No annual fee
• No authorized user fee

• Up to $300 annually off a hotel stay of 2 nights or more booked through cititravel.com
• Up to $200 annual Splurge Credit (choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation)
• $100 Blacklane airport transfer credit every 6 months (up to $200 per year)
• Up to $120 Global Entry / TSA PreCheck application fee credit every 4 years

• $100 off a single hotel stay of $500 or more once per calendar year (booked through cititravel.com/thankyou.com)

• First checked bag free on domestic American Airlines itineraries (you + up to 4 travel companions)
• Preferred boarding on American Airlines flights
• 25% savings on inflight food and beverage purchases
• American Airlines Companion Certificate after spending $30,000 or more in purchases each cardmembership year

• Up to $120 Global Entry / TSA PreCheck application fee credit every 4 years
• Up to $120 in Avis/Budget car rental statement credits per calendar year (new benefit, 2026)
• Up to $120 in Grubhub credits per year, up to $10 per monthly billing statement (new benefit, 2026)
• Up to $120 in Lyft credits per year, $10 after 3 eligible rides in a calendar month (new benefit, 2026)

• Up to $240 in Turo statement credits annually (up to $30 per eligible trip, up to 8 trips per year)
• Up to $100 in brand statement credits annually (choice of up to 2 of: 1stDibs, AAdvantage Hotels, Future Personal Training, Live Nation)
• Up to $100 in statement credits annually on inflight food and beverage purchases on American Airlines flights
• Up to $120 Global Entry / TSA PreCheck application fee credit every 4 years

• First checked bag free on domestic American Airlines itineraries (you + up to 4 companions on the same reservation)
• Preferred boarding on American Airlines flights
• 25% savings on inflight food and beverage purchases on American Airlines flights
• $125 American Airlines Flight Discount after spending $20,000 or more in purchases during your cardmembership year

• One of the longest 0% balance transfer intro periods in the industry (21 months)

• All purchases are automatically split into a three-month payment plan, with no monthly fees and no interest
• Larger purchases can be extended to a six- or 12-month payment plan for a fixed monthly plan fee (fee amount disclosed when extending from the 3-month plan)

• $100 in OneKeyCash at each cardholder anniversary (roughly covers the annual fee)
• Up to $120 Global Entry/TSA PreCheck application fee credit (once every 4 years)

• One Key Silver membership tier
• Primary auto rental collision damage waiver (CDW)
• Cell phone protection up to $1,000 per claim ($25 deductible)
• Trip cancellation insurance (up to $5,000), travel accident insurance
• No foreign transaction fees

• 0% intro APR for 12 months from account opening on purchases (16.74%–24.74% variable APR thereafter)
• Complimentary Priority Pass airport lounge membership (membership fee waived, lounge visits are pay-as-you-go)
• World Elite Mastercard merchant offers