Compare Credit Cards

Earn 5 Free Nights after spending $5,000 on purchases within the first 3 months of account opening; each night valued up to 50,000 points.

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 miles 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 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 $200 Cash back after spending $750 on the card within the first 3 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 for a broad range of categories every month. With no annual fee, it is an easy addition regardless of your setup.

• Annual fee: $0
• Spend Multiplier: Unlimited 1.5% cash back
• Foreign Transaction Fee: None

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Earn 100,000 Marriott Bonvoy points & 1 Free Night Award after you spend $5,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Free anniversary night each year (up to 50,000 Marriott Bonvoy Points)

Annual fee: $450

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 a $300 Bonvoy statement credit and a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Gold status just by having the card.

Earn a Welcome Flight Reward (up to 50,000 points) after you spend $3,000 within the first 3 months of account opening + earn up to 51,000 points through 10x total points on travel and dining

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Aeroplan points. In addition, the card offers many ways to gain elite status and you get 500 bonus points for every $2,000 you spend in a calendar month.

Earn $750 bonus cash back after $7,500 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 $7,500 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.

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 an additional 1.5% cash back on everything you buy, on up to $20,000 spent in the first year

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 $50 after you make a purchase within the first 3 months of account opening

Annual fee: $0

Sebby's take: Earn rewards while building credit. You get 1% back on every purchase and 2,000 points ($20 in value) after each account anniversary year during the first 5 years.