Compare Credit Cards

Earn 75,000 miles after $4,000 in spend within the first 3 months of account opening.

Annual fee: $395

Foreign Transaction Fee: None

Sebby's take: Flagship travel card and offers lounge access through Priority Pass and Capital One lounges. You earn competitive multipliers on hotels, rental cars, and flights booked through Capital One Travel and 2x on everything else. The annual fee is offset through a $300 travel credit and 10,000 anniversary miles.

Earn $200 after $500 in spend within the first 3 months of account opening.

Annual fee: $0

Sebby's take: The Freedom Unlimited has great multipliers and is a great standalone card or system card (Chase Trifecta). With no annual fee and tons of optionality (cash back or travel since you earn UR) it's an easy pickup.

Earn 60,000 bonus points after $5,000 in spend within the first 3 months of account opening.

Annual fee: $95

Sebby's take: One of the best starting points into the travel rewards world. You have flexible points, strong multipliers, a reasonable annual fee, and tons of optionality (whether team cash back or travel).

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months your account is open.

Annual fee: $550

Sebby's take: A flagship travel card with strong multipliers, Priority Pass, and travel insurances. The annual fee of $550 is offset by a $300 travel credit and 50% more value for travel and Pay Yourself Back.

Earn 80,000 Membership Rewards points after you spend $8,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $695

✅ Check for pre-qualified and special offers on CardMatch!

Rates and fees

Sebby's take: Despite a hefty annual fee, you get up to $1,574 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Earn 60,000 Membership Rewards Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $325

✅ Check for pre-qualified and special offers on CardMatch!

Rates and fees

Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U.S. supermarkets, and flights booked directly. The annual fee is offset with a monthly dining credit and monthly Uber Cash.

Earn 90,000 bonus points after $8,000 in spend within the first 3 months of account opening.

Annual fee: $95

Sebby's take: A good option for those with high shipping, advertising (social media and search engine), or travel purchases. Also great for those with large internet, cable, and phone service bills.

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee: $0

Sebby's take: Ideal for people with high spend at office supply stores or on internet, cable and phone services. Given the flexibility of Ultimate Reward (UR) points, this is one of the best earners cards.

Earn $750 bonus cash back after $6,000 in spend within the first 3 months of account opening.

Annual fee: $0

Sebby's take: A great catch-all card for "everything else" spend. Despite the marketing, you earn Ultimate Reward (UR) points which can be useful if you have a Sapphire Preferred/Reserve or Ink Preferred.

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. Terms apply.

Annual fee: $695

Rates and fees

Sebby's take: The flagship Amex business travel card. Despite a hefty annual fee, you get up to $1,409 in credits that help offset this. The card is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening.

Annual fee: $95

Sebby's take: A catch-all travel card that earns 2x back on your transactions. In addition, you get 5x on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Earn to 130,000 Hilton Honors Bonus Points after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening.  Offer Ends 8/13/2025. Terms apply.

Annual fee: $0 introductory annual fee for the first year, then $150

Foreign Transaction Fee: None

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. If you spend $15,000 in a calendar year, you get a Free Weekend Night Reward. The card also comes with Hilton Gold status.