Compare Credit Cards

Earn 75,000 miles after $4,000 in spend within the first 6 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 Cash back after spending $1500 on the card within the first 6 months of account opening

Annual fee: $0

Sebby's take: One of the best utility cards. You earn 5% on up to $500 in spend on your highest qualifying category every month. With no annual fee, it is an easy addition regardless of your setup.

Earn 80,000 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: $695

Foreign Transaction Fee: None

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 bonus miles after you spend $4,000 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from 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 ThankYou Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months of account opening

Annual fee: $95

Foreign Transaction Fee: None

Sebby's take: One of the best all-around earners with 3x back on restaurants, supermarkets, gas stations, air travel, and hotels. This can be a "one and done" setup for many with no foreign transaction fee.

Earn a $200 cash bonus after spending $500 on the card within the first 3 months of account opening

Annual fee: $0

Sebby's take: Earner card where you get 3% on dining, grocery stores, entertainment, and popular streaming. This is one of the few no annual fee cards that also have no foreign transaction fees.

Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $250

Foreign Transaction Fee: None

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 100,000 bonus points after $15,00 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 $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.

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

Annual Fee: $0

Sebby's Take: Great card to earn points while paying rent. In order to earn points, you'll need to use the card at least 5 times each statement period.