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Today's Top Cards

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Credit cardAnnual feeCredit scoreWelcome offerKey benefitsSave
Chase Sapphire Reserve®Annual fee$795Credit scoreExcellentWelcome offerEarn 100,000 bonus pointsKey benefits$300 travel credit · airport lounge access
Chase Sapphire Preferred®Annual fee$95Credit scoreGoodWelcome offerEarn 75,000 bonus pointsKey benefits$50 hotel credit · transfer partners
American Express® Gold CardAnnual fee$325Credit scoreGoodWelcome offerEarn 100,000 bonus pointsKey benefits$120 dining + $120 Uber credits
American Express® Platinum CardAnnual fee$895Credit scoreGoodWelcome offerEarn 175,000 bonus pointsKey benefits$200 airline + $200 hotel credits · Centurion lounges
Capital One Venture XAnnual fee$395Credit scoreExcellentWelcome offerEarn 75,000 bonus milesKey benefits$300 travel credit · lounge access
Citi Strata Premier®Annual fee$95Credit scoreGoodWelcome offerEarn 60,000 bonus pointsKey benefits$100 annual hotel credit · transfer partners
Citi Double Cash® CardAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee · transfer partners
Citi Custom Cash® CardAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee
Chase Freedom Unlimited®Annual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee
Chase Freedom Flex®Annual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee · cell phone protection
Discover it® Cash BackAnnual fee$0Credit scoreGoodWelcome offerUnlimited Cashback Match, year 1Key benefitsFirst-year cashback match
Wells Fargo Autograph®Annual fee$0Credit scoreGoodWelcome offerEarn 20,000 bonus pointsKey benefitsNo annual fee · no foreign transaction fee
Apple CardAnnual fee$0Credit scoreGoodWelcome offer—Key benefitsNo fees · Daily Cash
Blue Cash Everyday® Card from AmexAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee
Blue Cash Preferred® Card from AmexAnnual fee$95Credit scoreGoodWelcome offerEarn $300 cash backKey benefits$84 streaming credit
Bank of America® Travel RewardsAnnual fee$0Credit scoreGoodWelcome offerEarn 25,000 bonus pointsKey benefitsNo annual fee · no foreign transaction fee
Southwest Rapid Rewards® PriorityAnnual fee$229Credit scoreGoodWelcome offerEarn 60,000 bonus pointsKey benefits$75 travel credit · 7,500 anniversary points
U.S. Bank Altitude® ConnectAnnual fee$0Credit scoreGoodWelcome offerEarn 20,000 bonus pointsKey benefitsPriority Pass · no FX fee
Bilt Mastercard® BlueAnnual fee$0Credit scoreGoodWelcome offerEarn $100Key benefitsPoints on rent · transfer partners
Bilt Mastercard® ObsidianAnnual fee$95Credit scoreGoodWelcome offerEarn $200Key benefits$100 hotel credit · transfer partners
Bilt Mastercard® PalladiumAnnual fee$495Credit scoreExcellentWelcome offerEarn 50,000 bonus pointsKey benefits$400 hotel + $200 Bilt cash credits · lounges
Capital One VentureOne RewardsAnnual fee$0Credit scoreGoodWelcome offerEarn 20,000 bonus milesKey benefitsNo annual fee · no foreign transaction fee
Capital One QuicksilverAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsNo annual fee
Commerce Bank Special Connections®Annual fee$0Credit scoreGoodWelcome offer—Key benefits25% redemption bonus · no annual fee
Wells Fargo Active Cash® CardAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash rewardsKey benefitsFlat 2% on everything · cell phone protection
Capital One Savor Cash RewardsAnnual fee$0Credit scoreGoodWelcome offerEarn $250 cash bonusKey benefits3% on the fun stuff · no annual fee
Capital One Venture RewardsAnnual fee$95Credit scoreExcellentWelcome offerEarn 75,000 bonus milesKey benefits2x on everything · transfers to 15+ partners
U.S. Bank Cash+® Visa Signature®Annual fee$0Credit scoreGoodWelcome offerEarn $200 cash backKey benefitsPick your own 5% categories
Bank of America® Customized Cash RewardsAnnual fee$0Credit scoreGoodWelcome offerEarn $200 cash rewardsKey benefitsPick your 3% category monthly
Bank of America® Unlimited Cash RewardsAnnual fee$0Credit scoreGoodWelcome offerEarn $250 cash rewardsKey benefitsSimple 1.5% flat rate
Prime VisaAnnual fee$0Credit scoreGoodWelcome offerEarn a $200 Amazon gift cardKey benefits5% back at Amazon and Whole Foods
United℠ Explorer CardAnnual fee$150Credit scoreGoodWelcome offerEarn 60,000 bonus milesKey benefitsFree checked bag · United perks
Delta SkyMiles® Gold American Express CardAnnual fee$150Credit scoreGoodWelcome offerEarn up to 80,000 miles + $250 creditKey benefitsFree checked bag on Delta
Southwest Rapid Rewards® PlusAnnual fee$99Credit scoreGoodWelcome offerEarn 50,000 bonus pointsKey benefitsFree checked bag · anniversary points
JetBlue CardAnnual fee$0Credit scoreGoodWelcome offerEarn 10,000 bonus pointsKey benefitsNo annual fee JetBlue rewards
Citi® / AAdvantage® Platinum Select®Annual fee$99Credit scoreGoodWelcome offerEarn 80,000 bonus milesKey benefitsFree checked bag on American
Marriott Bonvoy Boundless®Annual fee$95Credit scoreGoodWelcome offerEarn 4 Free Night AwardsKey benefitsFree night every year
Hilton Honors American Express CardAnnual fee$0Credit scoreGoodWelcome offerEarn 80,000 Hilton pointsKey benefitsFree Hilton status · no annual fee
World of Hyatt Credit CardAnnual fee$95Credit scoreGoodWelcome offerEarn up to 60,000 pointsKey benefitsFree night yearly · elite status
IHG One Rewards Premier Credit CardAnnual fee$99Credit scoreGoodWelcome offerEarn 140,000 pointsKey benefitsFree night · 4th night free
Bank of America® Premium Rewards®Annual fee$95Credit scoreGoodWelcome offerEarn 60,000 bonus pointsKey benefitsTravel credits · Preferred Rewards boost
American Express® Green CardAnnual fee$150Credit scoreExcellentWelcome offerEarn 40,000 Membership Rewards pointsKey benefits3x travel, dining and transit
Discover it® Student Cash BackAnnual fee$0Credit scoreFairWelcome offerUnlimited Cashback Match first yearKey benefitsFirst-year cashback match · for students
Capital One Savor Student Cash RewardsAnnual fee$0Credit scoreFairWelcome offerEarn $100 cash bonusKey benefits3% on dining and fun · for students
Bank of America® Travel Rewards for StudentsAnnual fee$0Credit scoreFairWelcome offerEarn 25,000 bonus pointsKey benefitsNo annual fee · no foreign fee
Ink Business Preferred® Credit CardAnnual fee$95Credit scoreExcellentWelcome offerEarn 100,000 bonus pointsKey benefitsHuge bonus · transferable points
Ink Business Cash® Credit CardAnnual fee$0Credit scoreGoodWelcome offerEarn $1,000 cash backKey benefits5% office and phone · no annual fee
Ink Business Unlimited® Credit CardAnnual fee$0Credit scoreGoodWelcome offerEarn $1,000 cash backKey benefitsSimple 1.5% for business
American Express® Business Gold CardAnnual fee$375Credit scoreExcellentWelcome offerEarn up to 200,000 Membership Rewards pointsKey benefits4x on your top spend · statement credits
Capital One Spark Cash PlusAnnual fee$150Credit scoreExcellentWelcome offerEarn a $2,000 cash bonusKey benefitsUnlimited 2% for business
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Sources for these updates
The Points GuyUS Credit Card GuideCNBC SelectUpgraded Points

Estimates based on published reward rates as of 2026; actual value varies. Points valued at each card's standard transfer rate unless "value as cash" is on. Verify current terms with the issuer before applying. MyCreditPerks may earn a commission on approved applications — it never affects rankings.