No Annual Fee — 70 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

• 20% back as a statement credit on Delta in-flight purchases of food, beverages and Wi-Fi
• Pay with Miles: take $50 off for every 5,000 miles redeemed at delta.com
• Amex Offers merchant deals
• No free checked bag; no priority boarding

• Complimentary Hilton Honors Silver status
• Upgrade to Gold status after $20,000 in purchases in a calendar year
• Amex Offers; refer a friend: 10,000 points per approval, up to 80,000 per year

• 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

• 0% intro APR on purchases and balance transfers for the first 12 months (then a variable APR)
• Amex Offers merchant deals
• Revolving credit card (not a charge card); Expanded Buying Power lets you spend beyond your credit limit in some cases

• 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.

• 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

Co-branded card for Holland America Line, part of the Carnival group, built on the same framework as the Carnival card: no annual fee, no foreign transaction fees, and points redeemed mainly as onboard spending credit. Only worthwhile for HAL regulars.

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

• Automatic Priceline VIP Gold membership (up to 50% off hotels, up to 20% off rental cars, best price guarantee)

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

• $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.

• Automatic Wyndham Rewards Gold member level
• 10% discount on go free award redemptions
• 15% discount when you purchase points
• No foreign transaction fees

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.

• $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)

• Points redeem 1:1 as statement credits toward any travel or dining purchase (flights, hotels, rental cars, cruises, restaurants, baggage fees), with no blackout dates
• 0% Intro APR for the first 15 billing cycles (purchases + balance transfers)

• 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
• 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

• Spend $10,000 in a membership year — $100 anniversary cruise discount

• Automatic credit line reviews for responsible use
• Free CreditWise credit monitoring
• Pre-qualification with no impact to credit score

• Cash back does not expire

• 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

• Free employee & virtual cards

• Free employee & virtual cards
• $0 fraud liability

• Hertz Five Star status
• Free employee cards with customizable spend limits

• No annual fee lifetime downgrade target for Venture/Venture X

• 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

• 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)

• 0% intro APR for 21 months (purchases + balance transfers)
• Balance transfer fee of $5 or 5%, whichever is greater (per Bankrate/CNBC; the chase.com page does not state the exact amount)

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

• 1 year of DashPass membership (third-party value ~$120/year)

• Spend $10,000 in a calendar year to earn 2 free checked bags + 10%+ discount on award flights
• 25% back on United inflight food, beverage and Wi-Fi purchases and United Club premium drinks
• 0% intro APR for 12 months on purchases

• 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

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

• Statement credit for the TSA PreCheck / Global Entry application fee, up to $100 (applied within 1–2 billing cycles)

• $15 per 12-month period — automatic statement credit after 11 consecutive months of eligible streaming service purchases

• $25 statement credit — awarded after at least one taxi/rideshare purchase per month for 3 consecutive calendar months (repeatable)

• $100 per 12-month period — software subscription statement credit: applied automatically after 11 consecutive months of purchases made directly with a software service provider (identified by MCC, e.g. QuickBooks/FreshBooks) (not prominently shown on the card page; terms confirmed by multiple 2026 in-market references such as FitSmallBusiness/WalletHub)

• 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)

• 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

• 0% intro APR for 12 months from account opening on purchases
• 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)
• Points transfer 1:1 to multiple airline and hotel loyalty programs
• No foreign transaction fees

• 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