Personal — 106 cards

• $120/year dining credit — $10 per month; after the 2026 refresh covers Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder; enrollment required (Wine.com and Goldbelly were removed after 2026-06-30)
• $120/year Uber Cash — $10 per month for U.S. Uber rides and Uber Eats orders, automatically added
• $100/year Resy credit — $50 semi-annually (Jan-Jun / Jul-Dec) at partner restaurants; enrollment required
• $84/year Dunkin' credit — $7 per month at U.S. Dunkin' locations; enrollment required
• $100 The Hotel Collection credit — per booking, 2-night minimum stay required

• $219/year CLEAR Plus credit — auto-renewing membership; enrollment required (price rose to $219 effective 2026-07-01)
• Note: the $100/year LoungeBuddy credit was eliminated for new applicants in October 2024 and is no longer listed here

• 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)

• 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

• $200/year Delta Flight Credit — unlocked after spending $10,000 in purchases in a calendar year
• $100/year Delta Stays credit — on prepaid hotel and vacation rental bookings via delta.com/stays
• $120/year rideshare credit — $10 per month; added June 2026; enrollment required; U.S. rideshare purchases only

• $120/year Resy credit — $10 per month; enrollment required
• $120/year rideshare credit — $10 per month; enrollment required
• Up to $150/year Delta Stays credit
• Global Entry ($120) or TSA PreCheck ($85) application fee credit — once every 4 years

• $240/year Resy credit — $20 per month; enrollment required
• $120/year rideshare credit — $10 per month; enrollment required
• Up to $200/year Delta Stays credit
• Global Entry ($120) or TSA PreCheck ($85) application fee credit — once every 4 years

• Up to $400/year Hilton resort credit — $200 semi-annually, on purchases made directly at participating Hilton Resorts
• Up to $200/year flight credit — $50 per quarter, on flights booked directly with airlines or through the Amex Travel website or app
• $219/year CLEAR Plus credit — enrollment required (price rose to $219 effective 2026-07-01; previously $209)
• Free Night Reward — 1 night issued automatically each cardmember year, no point cap on the room rate (including Waldorf Astoria and Conrad); a second after $30,000 in purchases in a calendar year and a third after $60,000 (up to 3 nights/year in high-spend years)
• Waldorf Astoria / Conrad on-property credit — up to $100, 2-night minimum stay required

• 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

• Up to $200/year Hilton credit — $50 per quarter on purchases made directly with hotels and resorts in the Hilton portfolio
• Free Night Reward — earned after $15,000 in purchases in a calendar year; no point cap on the room rate, redeemable at almost any Hilton property

• $300/year dining credit — $25 per month at restaurants worldwide (not limited to restaurants in Marriott hotels)
• Free Night Award — 1 per cardmember year (issued after your Card renewal month), redemption level up to 85,000 Bonvoy points
• Earned Choice Award — after $60,000 in purchases in a calendar year, choose one of three: 5 Nightly Upgrade Awards / $750 in statement credits / a Free Night Award worth up to 85,000 points
• Global Entry (up to $120) or TSA PreCheck (up to $85) application fee credit — once every 4 years

• $200/year airline fee credit — incidental fees such as checked bags with one selected qualifying airline; enrollment required
• $600/year hotel credit — $300 semi-annually, prepaid Fine Hotels + Resorts or The Hotel Collection bookings only, minimum-night-stay requirement applies
• $400/year Resy dining credit — $100 per quarter at U.S. Resy partner restaurants; enrollment required
• $200/year Uber Cash — $15 per month Jan-Nov plus $35 in December, automatically added for U.S. Uber rides and Uber Eats orders, no enrollment required
• Up to $120/year Uber One membership credit — statement credits applied monthly, automatic
• $300/year digital entertainment credit — $25 per month; covers Disney+, ESPN+, Hulu, The New York Times, Peacock and more; enrollment required
• $300/year lululemon credit — $75 per quarter at U.S. lululemon stores and lululemon.com; enrollment required
• About $155/year Walmart+ membership credit — covers the full monthly membership fee ($12.95/month)
• $219/year CLEAR Plus credit — auto-renewing membership; enrollment required (CLEAR price rose to $219 effective July 1, 2026; previously $209)
• $200/year Oura Ring credit — enrollment required
• $300/year Equinox credit — Equinox and Equinox+ membership fees; enrollment required
• Global Entry ($120) or TSA PreCheck (up to $85) application fee credit — once every 4 years
• Note: the $100/year Saks Fifth Avenue credit was eliminated for new Card Members as of 2026-03-26 and is no longer listed here

• 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.

• Zone 1 priority boarding for the primary cardmember and companions on the same reservation
• Complimentary inflight WiFi on Breeze's Airbus fleet
• 7,500 anniversary BreezePoints after spending $10,000 on purchases each year and paying the annual fee
• No limit on BreezePoints earned, and points never expire

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% 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)

• $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

• 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

• $25 statement credit every 6 months for meal delivery services (up to $50 per year)

• $100 — annual statement credit when spending $100+ in a single purchase at select Wyndham brands
• Up to $10/month — statement credits for meal delivery services
• $100/year — statement credits for eligible streaming services
• $65 — annual statement credit for wholesale club membership purchases (Costco, Sam's Club, etc.)
• Up to $120 every 4 years — Global Entry or TSA PreCheck application fee credit

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.

• Each account anniversary — $99 Companion Fare (unlocked after spending $6,000 or more in the prior anniversary year; plus taxes and fees from $23)
• 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases

• Each account anniversary — 25,000-point Global Companion Award (no spend requirement, granted automatically)
• Spend $60,000 in a year — an additional 100,000-point Global Companion Award
• 8 Alaska Lounge passes per year (2 per quarter) + 8 inflight Wi-Fi passes
• Free checked bag + preferred boarding for the cardholder and up to 6 guests on the same reservation
• Up to $120 Airport Security Statement Credit every 4 years for Global Entry / TSA PreCheck application fees
• Waived fees for same-day confirmed flight changes (a savings of up to about $75 per change) and waived partner award booking fees
• $50 Instant Travel Delay Credit (flight cancellations or departure delays of 2 hours or more)
• Status points: earn 1 status point for every $2 spent (no cap, per TPG) + 10,000 status points on each account anniversary (confirmed on the official page)

• $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)

• Up to $100/year — Airline Incidental Statement Credits (qualifying purchases such as seat upgrades, baggage fees, and airline lounge day passes)
• Up to $100 every 4 years — Global Entry / TSA PreCheck application fee

• Up to $300/year — Airline Incidental Statement Credits
• Up to $150/year — lifestyle conveniences credits (video streaming services, food delivery, fitness subscriptions, rideshare services, etc.)
• Up to $120 every 4 years — Global Entry / TSA PreCheck application fee

• 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

• Spend $20,000 in a membership year — $200 anniversary cruise discount
• Up to $120 every 4 years — Global Entry / TSA PreCheck application fee

• 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

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

• Up to $120 credit for Global Entry or TSA PreCheck
• $50 experience credit per stay at Lifestyle Collection hotels/vacation rentals

• $300 annual statement credit for Capital One Travel bookings
• 10,000 bonus miles every account anniversary (no spend required)
• Up to $120 credit for Global Entry or TSA PreCheck (every 4 years)
• Up to $100 experience credit per stay at Premier Collection hotels/vacation rentals; up to $50 at Lifestyle Collection
• Cell phone protection up to $800/claim (2 claims/year, $50 deductible)

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

• $100 (economy/premium economy) or $200 (business/first) per Reward Flight booking, up to 3 times per calendar year (max $600/year) — statement credits toward award ticket taxes and fees

• $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

• 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

• $100 (economy/premium economy) or $200 (business/first) per Reward Flight booking, up to 3 times per calendar year (max $600/year) — statement credits toward award ticket taxes and fees

• 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

• $100 each account anniversary year — statement credits for hotel stays purchased through Chase Travel
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS application fee
• One free year of Apple TV+ (a ~$156 value, activate by 2026-12-31, one-time)
• 12 months of complimentary DashPass membership (one-time, activation required)

• $300 each cardmember year — statement credits for travel purchases
• Up to $500 per calendar year (two $250 credits) — prepaid hotel bookings with The Edit by Chase Travel
• Up to $300 per year ($150 January-June and $150 July-December) — Sapphire Reserve Exclusive Tables dining (OpenTable)
• Up to $300 per year ($150 each half-year, through 2027-12-31) — StubHub/viagogo event tickets
• 12 months of complimentary DashPass membership (a ~$120 value, activation required) + up to $25 per month in DoorDash credits on non-restaurant orders
• Up to $10 per month in Lyft in-app ride credits (through 2027-09-30); up to $10 per month on eligible Peloton memberships (through 2027-12-31)
• Complimentary Apple TV+ and Apple Music subscriptions (a ~$288/year value, through 2027-06-22)
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS application fee

• 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)

• $1,000 flight discount voucher for two once per calendar year — after $30,000 in purchases that year

• 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

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

• 1 Free Night Award (redemption level up to 35,000 points) each cardmember year (issued after your cardmember anniversary)
• Up to $100 per year ($50 each half-year, after $250 in airline purchases each; promo through 2027-06-30) — airline purchases booked direct

• 1 Free Night Award (redemption level up to 50,000 points) — issued after spending $15,000 in a calendar year (not automatic)
• 1 year of DashPass membership (activation window 2025-02-01~2027-12-31)

• 3,000 points each cardmember year — anniversary bonus
• 10,000 points once per calendar year — Companion Pass qualifying points boost (account-wide, does not stack per card)

• 6,000 points each cardmember year — anniversary bonus
• 10,000 points once per calendar year — Companion Pass qualifying points boost (account-wide)
• One 15% flight discount promo code each cardmember year (excludes Basic fares)
• 12 months of DashPass (one-time within the 2025-02-01~2027-12-31 window); 3 months of Instacart+ + $10/month in Instacart credits

• 7,500 points each cardmember year — anniversary bonus
• 10,000 points once per calendar year — Companion Pass qualifying points boost (account-wide)

• $200 per year — Renowned Hotels and Resorts
• $150 per year (monthly, enrollment required) — rideshare credits
• $100 per year — Avis/Budget car rentals
• $240 per year ($20/month) — Instacart credits
• $200 per year — JSX flights
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS

• $100 per year (after spending $10,000 in a calendar year) — United travel credits
• $100 per year — prepaid Renowned Hotels and Resorts bookings
• $60 per year (~$5/month) — rideshare credits
• $50 per year — Avis/Budget car rentals
• $120 per year ($10/month, through 2027-12-31) — Instacart credits
• $100 per year — JSX flights
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS

• 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

• $200 each cardmember year — United travel credits
• $150 per year — Renowned Hotels and Resorts
• $100 per year — rideshare credits
• $80 per year ($40 each, up to 2 times) — Avis/Budget car rentals
• $180 per year — Instacart credits (through 2027-12-31)
• $150 per year — JSX flights
• $120 every 4 years — Global Entry / TSA PreCheck / NEXUS

• 1 Category 1-4 free night award each cardmember year (issued after your cardmember anniversary)
• 1 extra Category 1-4 free night award after spending $15,000 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)

• 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)

• 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

• 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 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

• $50 annual statement credit with your first airline purchase of at least $50 each year (airline-related purchases such as checked bag fees qualify)

• 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

• $50 annual airline statement credit
• Up to $120 Global Entry application fee credit

• 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