Compare Credit Cards

Earn 100,000 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 80,000 bonus miles after spending $5,000 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 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 50,000 Bonus miles after you spend $2,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

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

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 60,000 Bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Delta SkyClub access at $39/person per visit for you and up to 2 guest when flying Delta

Annual fee: $250

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 60,000 Bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $6,000 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). The annual fee is offset by the Annual Companion Certificate.

Earn 50,000 Bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Delta SkyClub access at $39/person per visit for you and up to 2 guest when flying Delta

Annual fee: $250

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 3 months of account opening.  Terms apply.

Delta SkyClub access at $39/person per visit for you and up to 2 guest when flying Delta.

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

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 50,000 bonus and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 on eligible purchases with your new Card within the first 6 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). The annual fee is offset by the Annual Companion Certificate.

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

Annual fee: $99

Sebby's take: An ideal option if you want to spend your way to A-List status with Southwest. The reasonable annual fee is partially offset by 6,000 points every cardmember anniversary.

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 75,000 bonus points after spending $3,000 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.