Explore Credit Cards

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Credit Cards

    card art for the Capital One Venture X Rewards Credit Card card

    Annual fee: $395

    Capital One Venture X Rewards Credit Card

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


    Sebby's take: Flagship travel card and offers lounge access through Priority Pass and Capital One lounges. You earn competitive multipliers on hotels, rental cars, and flights booked through Capital One Travel and 2x on everything else. The annual fee is offset through a $300 travel credit and 10,000 anniversary miles.

    card art for the Chase Freedom Unlimited® card

    Annual fee: $0

    Chase Freedom Unlimited®

    Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening


    Sebby's take: 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.

    ✈️ Best Beginner Travel Card
    card art for the Chase Sapphire Preferred® Card card

    Annual fee: $95

    Chase Sapphire Preferred® Card

    Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.


    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).

    card art for the Chase Sapphire Reserve® card

    Annual fee: $550

    Chase Sapphire Reserve®

    Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.


    Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. It’s a top choice for frequent travelers who want premium benefits and flexible redemption options

    🥂 Best for Luxury Travel Perks
    card art for the The Platinum Card® from American Express card

    Annual fee: $695

    Terms apply | Rates & Fees

    The Platinum Card® from American Express

    You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

    Check if you're pre-approved for this card or special offers using the CardMatch Tool.

    Sebby's take: Despite a hefty annual fee, you get up to $1,574 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

    Best for Dining Rewards
    card art for the American Express® Gold Card  card

    Annual fee: $325

    Terms apply | Rates & Fees

    American Express® Gold Card

    Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

    Check if you're pre-approved for this card or special offers using the CardMatch Tool.

    Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U.S. supermarkets, and flights booked directly. The annual fee is offset with a monthly dining credit and monthly Uber Cash.

    card art for the Ink Business Preferred® Credit Card card

    Annual fee: $95

    Ink Business Preferred® Credit Card

    Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.


    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.

    card art for the Ink Business Cash® Credit Card card

    Annual fee: $0

    Ink Business Cash® Credit Card

    Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.


    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.