Cash Back — 45 cards

• Disney streaming credit — up to $7 back per month, up to $84 per year; enrollment required; limited to purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com
• Home Chef credit — up to $15 back per month, up to $180 per year; enroll through your Amex account and purchase directly at HomeChef.com; credits post in about 6-8 weeks

• Disney streaming credit — up to $10 back per month, up to $120 per year; enrollment required; limited to purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com
• Equinox+ credit — up to $10 back per month, up to $120 per year; enrollment required and must purchase a standalone Equinox+ digital membership directly at equinoxplus.com (purchases via the app or third parties do not qualify)

• 0% intro APR on purchases for the first 12 months (then a variable APR)
• Amex Offers merchant deals
• Revolving credit card (not a charge card); cash back is automatically received in the form of a statement credit

• Up to $2,400 Amex One AP credit — after $250,000 in purchases in a calendar year, receive statement credits toward One AP (accounts payable automation platform) monthly fees the following year

• 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)

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.

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.

• $0 Liability Guarantee
• Visa Signature network benefits (tier not stated on the official product page; third-party reviews such as TPG/Bankrate consistently list it as Visa Signature, verified 2026-07-10)

• 0% Intro APR for the first 15 billing cycles (purchases + balance transfers)
• Visa Signature Concierge service
• $0 Liability Guarantee

• 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
• 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

• Cash back does not expire

The Quicksilver version for people with Fair/average credit: a $39 annual fee that can't be waived, no welcome offer, and the same earning rate as the no-annual-fee Quicksilver. Its main purpose is building/repairing credit — once your score is high enough, product change to the no-annual-fee Quicksilver as soon as possible. New accounts are issued on the Discover network (previously Mastercard) as of February 1, 2026.

• Cash back does not expire for the life of the account
• Cash back can be converted to Capital One miles if you also hold a miles-earning C1 card

• Cash back does not expire

• Free employee & virtual cards
• $0 fraud liability

• $150 annual fee refunded if you spend $150,000+ by your membership anniversary
• No preset spending limit (charge-card style, balance due monthly)
• Free employee & virtual cards

• Free employee & virtual cards

• Free employee & virtual cards
• $0 fraud liability

• Rotating Prime Card Bonus: 10% back or more on select Amazon products
• Rewards can be redeemed at Amazon checkout as soon as the next day
• Purchase protection, extended warranty, rental car coverage, baggage delay insurance

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

• Automatically evaluated for an upgrade to Freedom Unlimited after 12 months of card membership
• Free credit monitoring with Chase Credit Journey
• Purchase protection (120 days, $500 per item)

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

• 3 months of complimentary Instacart+ membership + $20 per month in Instacart credits while a member

• Employee cards at no additional cost
• Primary auto rental collision damage waiver up to $60,000, purchase protection $10,000 per claim, extended warranty, cell phone protection $1,000 per claim
• Flex for Business financing option

• 3 months of complimentary Instacart+ membership (auto-renews at $99/year afterward) + $20 per month in Instacart credits while a member (through 2027-12-31)

• 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

• Same cash back mechanics as the personal card — issued as an annual reward certificate
• No foreign transaction fees
• No authorized user fee

• Cash back is issued as an annual credit card reward certificate once your February billing statement closes, redeemable for cash or merchandise at U.S. Costco warehouses; rewards over $300 can optionally be deposited directly into a Citi account
• Worldwide car rental insurance
• Damage & theft purchase protection (120 days)
• No foreign transaction fees
• No authorized user fee
• Card doubles as your Costco membership ID

• 0% intro APR for 15 months on purchases and balance transfers
• Free Social Security number alerts (dark web monitoring)
• Freeze It — freeze your account in seconds in the app
• Free FICO Score access
• Real human customer service 24/7

• 0% intro APR for 15 months on purchases and balance transfers, then 17.49%–26.49% variable APR
• Free Social Security number alerts (dark web monitoring)
• Freeze It — freeze your account in seconds in the app
• Free FICO Score access
• Real human customer service 24/7

• 0% intro APR for 15 months on purchases and balance transfers
• Miles can be redeemed as a statement credit for travel purchases (airfare/hotels/rideshares/car rentals/restaurants, etc.) or turned into cash (PayPal or bank transfer)
• Miles never expire for the life of the account
• Free Social Security number alerts (dark web monitoring), free FICO Score access

• 0% intro APR for 6 months on purchases
• No credit score required to apply
• Freeze It — freeze your account in seconds in the app
• Free Social Security number alerts (dark web monitoring)

• 0% intro APR for 6 months on purchases
• No credit score required to apply
• Freeze It — freeze your account in seconds in the app

• Cell phone protection up to $600 per claim, $25 deductible
• Auto rental collision damage waiver (Visa Signature benefit)
• Purchase security / extended warranty
• 0% intro APR on purchases and balance transfers for the first 15 billing cycles
• ExtendPay Plans ($0 fee for plans opened within the first 60 days of account opening)

• $20 annual statement credit per 12-month period — applied automatically after 11 consecutive calendar months with a purchase each month (within 2 billing cycles)

• Cell phone protection up to $600 per claim, $25 deductible
• Visa Signature concierge
• Travel and emergency assistance services
• Roadside dispatch (pay-per-use)

• 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 per 12-month period — statement credit toward recurring software subscription expenses (e.g. QuickBooks/FreshBooks)

• $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 and qualifying balance transfers
• Cell phone protection: pay your monthly cell phone bill with the card and get up to $600 per claim against damage or theft ($25 deductible, maximum of two paid claims per 12-month period)
• Visa Signature Concierge service, auto rental collision damage waiver, and other standard Visa Signature benefits
• My Wells Fargo Deals personalized merchant offers

• Cell phone protection: pay your monthly cell phone bill with the card and get up to $600 per claim against damage or theft ($25 deductible, maximum of two claims per 12-month period)
• My Wells Fargo Deals personalized merchant offers (cash back earned as an account credit)
• Roadside Dispatch roadside assistance, Zero Liability protection against unauthorized transactions

• 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