Compare Credit Cards

Earn up to 60,000 Hyatt points. Earn 30,000 points after $3,000 in spend with the first 3 months of 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 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 70,000 points after spending $3,000 on the card within the first 3 months of account opening.

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 60,000 bonus after you spend $5,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $650

Rates and fees

Sebby's take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply for lounge access. The annual fee is offset by the Annual Companion Certificate.

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 75,000 Bonus miles after you spend $10,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $650

Rates and fees

Sebby's take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply to lounge access. The annual fee is offset by the Annual Companion Certificate.

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 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!).

Our Best Offer Ever! Earn 5 Free Nights  after spending $4,000 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.

• Annual fee: $0
• Spend Multiplier: Up to 1.5% cashback
• Foreign Transaction Fee: None

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Earn 75,000 Avios after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Also, you can earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card.

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