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Earn 60,000 ThankYou Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Annual fee: $95

Foreign Transaction Fee: None

Sebby's take: One of the best all-around earners with 3x back on restaurants, supermarkets, gas stations, air travel, and hotels. This can be a "one and done" setup for many with no foreign transaction fee.

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 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. Terms apply. Offer Ends 6/5.

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 to 130,000 Hilton Honors Bonus Points after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening.  Terms apply.

Annual fee: $150

Foreign Transaction Fee: None

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. 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 80,000 Hilton Honors Bonus Points after you spend $2,000 on eligible purchases with your new Card within the first 6 months of account opening. 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 75,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $0 introductory annual fee for the first year, then $99.

Sebby's take: Get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!). The annual fee is offset by 2 United Club one-time passes per year. Plus, add employee cards at no additional cost.

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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 75,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening. Plus, 5x on up to $10k in gas, grocery stores, and dining purchases for first 12 months!

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Avios. The card offers priority boarding on specific flights and also an Economy Companion Ticket when you spend $30,000 on the card every calendar year.

Earn 75,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening. Plus, 5x on up to $10k in gas, grocery stores, and dining purchases for first 12 months!

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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Earn 75,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening. Plus, 5x on up to $10k in gas, grocery stores, and dining purchases for first 12 months!

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount (booking via special link) and a $1,000 discount voucher (use for two tickets on same flight) every year when you spend $30,000 on the card.