Compare Credit Cards

Earn 185,000 Marriott Bonvoy® bonus points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Free anniversary night each year (up to 85,000 Marriott Bonvoy Points)

Annual fee: $650

Rates and fees

Sebby's take: Flagship Bonvoy card that's great for loyalists. You get competitive multipliers at Bonvoy properties, U.S. restaurants, and flights booked directly. The annual fee is offset with $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide and a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Platinum status just by having the card.

Earn 3 Free Night Awards (up to 50k Marriott Bonvoy® points) after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. 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 155,000 Marriott Bonvoy Points after you spend $5,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $250

Rates and fees

Sebby's take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, and U.S. supermarkets (on up to $15k in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

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Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer ends 4/29/2025. Terms apply.

Annual fee: $195

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and select business and travel purchases. The card also comes with Hilton Gold status.

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Annual fee: $199

Sebby's take: The annual fee is partially offset by up to $100 in Hyatt statement credits. If you spend $50,000 or more (calendar year) you get 10% of the points you redeem back for the remainder of the year.

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Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Annual fee: $95

Sebby's take: My go-to recommendation for hotel cards, given the flexibility of Hyatt points. The annual fee is partially offset by a Category 1-4 free night certificate you get every year for keeping the card. You get another night for spending $15,000 in a calendar year.

Earn 30,000 bonus points after spending $1,000 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 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.

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.

Limited-time offer: Earn Companion Pass® good through 2/28/26 plus 30,000 bonus points after spending $4,000 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.

Limited-time offer: Earn Companion Pass® good through 2/28/26 plus 30,000 bonus points after spending $4,000 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 80,000 Bonus miles after you spend $3,000 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 90,000 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: $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.