Compare Credit Cards

Earn 75,000 points after spending $4,000 on the card within the first 3 months of account opening.

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Aeroplan points. In addition, the card offers many ways to gain elite status and you get 500 bonus points for every $2,000 you spend in a calendar month.

Earn up to 135,000 Marriott Bonvoy® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in 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 up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership. 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 70,000 bonus miles + 500 Premier qualifying points after spending $4,000 on purchases within the first 3 months of account opening

Annual fee: $350

Sebby's take: The United Quest is my recommendation for United loyalists. The $200 credit and 10,000-mile credit each account anniversary when booking an award flight helps offset the annual fee. On top of that, you get free first and second checked bags.

Earn 75,000 bonus miles and 2,000 PQP 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 $150

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

Annual fee: $150, 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: $695

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.

Get a one-time $150  Amazon Gift Card instantly upon approval, exclusively for Prime members.

Annual fee: $0

Sebby's take: The Prime Visa is the ultimate store card for Prime members who have significant spend at Amazon or Whole Foods. Although there's no annual fee, it's important to consider the Prime membership cost as part of the requirement for this card.

Earn 140,000 bonus points after spending $4,000 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.

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Earn 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.

Annual fee: $199

Sebby's take: The annual fee is partially offset by up to $100 in Hyatt statement credits. If you spend $50,000 or more (calendar year) you get 10% of the points you redeem back for the remainder of the year.

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

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.