Compare Credit Cards

Earn $200 cash back after you spend $1,500 on purchases within the first 6 months of account opening. Bonus offer will be issued as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee: $0

Sebby's take: A catch-all card that offers 2% cash back (1% when you buy, 1% when you pay). With no annual fee, it's a great pickup for most people. It's also useful if you're looking for an intro balance transfer offer.

Earn 75,000 bonus points after spending $3,000 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 60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening

Annual fee: $95, waived the first year

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 skiers!). The annual fee is offset by 2 United Club one-time passes per year.

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Earn 90,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening

Annual fee: $525

Sebby's take: This is the perfect option for Star Alliance frequent flyers who can benefit from the United Club membership ($650 value per year) that comes with the card.

Earn 30,000 bonus miles after spending $1,000 on purchases within the first 3 months of account opening

Annual fee: $0

Sebby's take: An entry-level card in the United ecosystem. It's one of the few no annual fee cards that has no foreign transaction fees. In addition, you get multipliers for United, gas, and transit.

Earn 70,000 bonus miles + 500 Premier qualifying points after spending $4,000 on purchases within the first 3 months of account opening

Annual fee: $250

Sebby's take: The United Quest is my recommendation for United loyalists. The $125 credit and two 5,000 anniversary award credits help offset the annual fee. On top of that, you get free first and second checked bags.

Earn 50,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $0 intro fee 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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Earn 85,000 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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Earn 95,000 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 three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

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 70,000 Bonus miles after you spend $5,000 on eligible purchases with your new Card within the first 3 months of account opening.  Terms apply.

Annual fee: $550

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 80,000 bonus points after spending $5,000 on purchases within the first 3 months of account opening

Annual fee: $199

Sebby's take: The Southwest Rapid Rewards® Performance Business Credit Card is a flagship business card. The annual fee is offset with 9,000 points every cardmember anniversary. In addition, you get 4 upgraded boardings and 365 inflight wifi credits every year.