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Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening.  Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Sebby's take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

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Earn 140,000 bonus points  after spending $3,000 on purchases within the first 3 months of account opening.

Annual fee: $99

Sebby's take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

Earn 80,000 points after spending $2,000 on purchases within the first 3 months of account opening.

Annual fee: $0

Sebby's take: A good entry point into the IHG ecosystem and offers a great earn rate for your IHG stays. It's one of the few no annual fee cards that offer no foreign transaction fees.

Earn 50,000 Bonus miles after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

Rates and fees

Sebby's take: Get competitive multipliers on Delta and hotels booked directly. The Annual Companion Certificate helps offset the annual fee. On top of that, your first checked bag is free.

Earn 40,000 Bonus miles after you spend $2,000 within the first 6 months of account opening.  Terms apply.

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

Rates and fees

Sebby's take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!).

Earn 55,000 Bonus miles after you spend $4,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

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

Rates and fees

Sebby's take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!).

Earn 65,000 Bonus miles after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

Rates and fees

Sebby's take: Get competitive multipliers on Delta and hotels booked directly. The Annual Companion Certificate helps offset the annual fee. On top of that, your first checked bag is free.

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

Annual fee: $125

Rates and fees

Sebby's take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, U.S. gas stations, U.S. shipping, and U.S. wireless telephone services. The annual fee is offset with a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Gold status.

Earn 60,000 bonus miles + 500 Premier qualifying points after spending $4,000 on purchases within the first 3 months of account opening

Annual fee: $250

Sebby's take: The United Quest is my recommendation for United loyalists. The $125 credit and two 5,000 anniversary award credits help offset the annual fee. On top of that, you get free first and second checked bags.

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Annual fee: $0

Sebby's take: An entry-level card in the United ecosystem. It's one of the few no annual fee cards that has no foreign transaction fees. In addition, you get multipliers for United, gas, and transit.

Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening

Annual fee: $95, waived the first year

Sebby's take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiers!). The annual fee is offset by 2 United Club one-time passes per year.

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Earn a $1,200 cash bonus after spending $30,000 on the card within the first 3 months of account opening.

Annual fee: $150

Sebby's take: A simple option where you get 2% cash back on all your purchases. This is one of the few uncapped business cards that earn at this rate.