Compare Credit Cards

• Intro Offer: 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit after spending $500 on the card within the first 3 months of account opening
• Annual fee: $0

Earn 50,000 American Airlines AAdvantage bonus miles after spending $5,000 on the card within the first 3 months of account opening

Annual fee: $450

Sebby's take: The flagship personal American Airlines card. This is the perfect option for frequent flyers who can benefit from the Admirals Club membership (up to $650 value per year) that comes with the card.

Earn 50,000 bonus points after spending $1,000 on purchases within the first 3 months of account opening

Annual fee: $99

Sebby's take: An ideal option if you want to spend your way to A-List status with Southwest. The reasonable annual fee is partially offset by 6,000 points every cardmember anniversary.

Earn 50,000 bonus points after spending $1,000 on purchases within the first 3 months of account opening

Annual fee: $149

Sebby's take: The Southwest Priority is the flagship personal Southwest card and my favorite. The annual fee is offset by a $75 Southwest annual travel credit and 7,500 points every cardmember anniversary, making it a keeper card.

Earn 50,000 bonus points after spending $1,000 on purchases within the first 3 months of account opening

Annual fee: $69

Sebby's take: A good entry point if you're looking for a low annual fee option. In addition, you get 3,000 points for every cardmember anniversary which lowers the effective cost every year.

Earn 120,000 Marriott Bonvoy points after you spend $5,000 on eligible purchases with your new Card within the first 3 months of account opening. 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 3 Free Night Awards (up to 50,000 points each) after spending $3,000 on purchases within the first 3 months of account opening

Annual fee: $95

Sebby's take: The Bonvoy Boundless is a great card for Bonvoy loyalists due to the multipliers. I like that you get a Free Night Award (up to 35,000 points) per year, which helps offset the annual fee -- making it a keeper card.

Earn 60,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening

Annual fee: $0

Sebby's take: With no annual fee, it's great for new travelers who primarily stay at Bonvoy hotels and who want multiplies on general travel purchases.

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Earn to 150,000 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 04/05/2023. Terms apply.

Annual fee: $95

Foreign Transaction Fee: None

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. The annual fee is offset with Priority Pass (10 visits free). If you spend $15,000 in a calendar year, you get a Free Weekend Night Reward. The card also comes with Hilton Gold status.

Earn to 100,000 Hilton Honors Bonus Points after you spend $2,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer ends 04/05/2023. Terms apply.

Annual fee: $0

Rates and fees

Sebby's take: Get elevated multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. The card also has no annual fees, making it easy to keep.

Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 on eligible purchases with your new Card within the first 3 months of account opening. Offer ends 04/05/2023. Terms apply.

Annual fee: $95

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and select business and travel purchases. The annual fee is offset with Priority Pass (10 visits free). If you spend $15,000 in a calendar year, you get a Free Weekend Night Reward. The card also comes with Hilton Gold status.

Earn a $200 bonus after you spend $1,000 on purchases within the first 120 days of account opening

Annual fee: $0

Sebby's take: Pick your own 5% and 2% categories to earn cash back. Great for people optimizing for cash back and flexible categories with no annual fee.