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Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Annual fee: $375

Rates and fees

Sebby's take: Ideal for people who have high spend for airlines and U.S. purchases for advertising, gas stations, restaurants, shipping, and direct orders from select technology providers (of computer hardware, software, and cloud solutions).

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

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Earn $200 after $500 in spend within the first 3 months of account opening

Annual fee: $0

Sebby's take: Great multipliers and also a ton of upside with the 5% back rotating quarters. As long as you don't mind checking every 3 months, I think it's a great standalone or system (Chase Trifecta) pickup.

• Intro Offer: 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit after spending $500 on the card within the first 3 months of account opening
• Annual fee: $0

Annual Fee: $0

Rates & Fees

Sebby's Take: Great card to earn points while paying rent. In order to earn points, you'll need to use the card at least 5 times each statement period.

Earn 40,000 Membership Rewards 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

Sebby's take: Ideal for people who have high travel, transit, and restaurant spending. The annual fee is offset with up to a $189 CLEAR credit and up to a $100 LoungeBuddy credit. All information about the American Express® Green Card has been collected independently by AskSebby.com.

Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Annual fee: $0

Rates and fees

Sebby's take: No annual fee option where you get 2x back on everything on up to $50,000 in spend per calendar year. After that, it's 1x back.

Earn a $200 bonus after you spend $1,000 on purchases within the first 120 days of account opening

Annual fee: $0

Sebby's take: Pick your own 5% and 2% categories to earn cash back. Great for people optimizing for cash back and flexible categories with no annual fee.

Earn a 20,000 bonus points after spending $1,000 on the card within the first 90 days of account opening

Annual fee: $0

Sebby's take: Earner card where you get 4X points on dining, takeout, and restaurant delivery.

Earn a $250 statement credit after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $0 intro annual fee for the first year, then $95

Rates and fees

Sebby's take: Ideal if you have high spend at U.S. supermarkets, streaming subscriptions, gas stations, and transit.

Earn a $200 statement credit 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: Ideal if you have high spend at U.S. supermarkets and gas stations. With no annual fee, the card is easy to keep.

• Annual Fee: $0
• Welcome Bonus: Get a 2X cash bonus (dollar-to-dollar match) on all cash back at the end of your first year.
• Build Credit

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