Compare Credit Cards

Earn 80,000 Hilton Honors Bonus Points 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: Get elevated multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. The card also has no annual fees, making it easy to keep.

Earn 85,000 Avios after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Also, you can earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card.

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Earn 70,000 bonus after you spend $5,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $650

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 for lounge access. The annual fee is offset by the Annual Companion Certificate.

Earn 60,000 Bonus miles after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

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 50,000 Bonus miles after you spend $2,000 within the first 6 months of account opening.  Terms apply.

Annual fee: $0 introductory annual fee for the first year, then $150

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 80,000 Bonus miles after you spend $10,000 on eligible purchases with your new Card within the first 6 months of account opening.  Terms apply.

Annual fee: $650

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 70,000 Bonus miles after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

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 after you spend $4,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $0 introductory annual fee for the first year, then $150

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 points after spending $1,000 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 50,000 bonus points after spending $1,000 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.

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

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 80,000 points after spending $2,000 on purchases within the first 3 months of account opening.

Annual fee: $0

Sebby's take: A good entry point into the IHG ecosystem and offers a great earn rate for your IHG stays. It's one of the few no annual fee cards that offer no foreign transaction fees.