All 104 credit cards we cover
Filter by category, sort by first-year value. Welcome bonuses, annual fees, and Year-1 math computed against US-average spend so cards rank by what they actually deliver — not what they advertise. Click any card for the full review, transfer partners, approval odds, and comparison links.

Chase
Sapphire Reserve
- AF
- $795
- Bonus
- 150,000 UR pts
- Y1 value
- $5,173
See review

Chase
Sapphire Preferred
- AF
- $95
- Bonus
- 75,000 UR pts
- Y1 value
- $2,959
See review

Chase
United Club Infinite
- AF
- $695
- Bonus
- 110,000 MileagePlus mi
- Y1 value
- $2,225
See review

Chase
IHG Premier
- AF
- $99
- Bonus
- 150,000 IHG One Rewards pts
- Y1 value
- $2,063
See review

Chase
IHG Premier Business
- AF
- $99
- Bonus
- 140,000 IHG One Rewards pts
- Y1 value
- $1,943
See review

Chase
Ink Preferred
- AF
- $95
- Bonus
- 100,000 UR pts
- Y1 value
- $1,844
See review

Chase
United Business
- AF
- $150
- Bonus
- 110,000 MileagePlus mi
- Y1 value
- $1,532
See review

Chase
IHG Traveler
- AF
- $0
- Bonus
- 90,000 IHG One Rewards pts
- Y1 value
- $1,442
See review

Chase
United Club Business
- AF
- $450
- Bonus
- 110,000 MileagePlus mi
- Y1 value
- $1,232
See review

Chase
United Explorer
- AF
- $95
- Bonus
- 80,000 United MileagePlus mi
- Y1 value
- $1,227
See review

Chase
Bonvoy Bountiful
- AF
- $250
- Bonus
- 85,000 Marriott Bonvoy pts
- Y1 value
- $1,212
See review

Chase
British Airways Visa
- AF
- $95
- Bonus
- 75,000 Avios
- Y1 value
- $1,145
See review

Chase
Iberia Visa
- AF
- $95
- Bonus
- 75,000 Avios
- Y1 value
- $1,145
See review

Chase
Aer Lingus Visa
- AF
- $95
- Bonus
- 75,000 Avios
- Y1 value
- $1,145
See review

Chase
World of Hyatt
- AF
- $95
- Bonus
- 60,000 World of Hyatt pts
- Y1 value
- $1,123
See review

Chase
Chase Aeroplan
- AF
- $95
- Bonus
- 70,000 Aeroplan pts
- Y1 value
- $1,107
See review

Chase
Southwest Plus
- AF
- $69
- Bonus
- 50,000 Rapid Rewards pts
- Y1 value
- $1,021
See review

Chase
Southwest Premier
- AF
- $149
- Bonus
- 55,000 Rapid Rewards pts
- Y1 value
- $1,001
See review

Chase
Southwest Performance Business
- AF
- $299
- Bonus
- 80,000 Rapid Rewards pts
- Y1 value
- $950
See review

Chase
Southwest Premier Business
- AF
- $99
- Bonus
- 60,000 Rapid Rewards pts
- Y1 value
- $910
See review

Chase
Hyatt Business
- AF
- $199
- Bonus
- 60,000 World of Hyatt pts
- Y1 value
- $883
See review

Chase
United Gateway
- AF
- $0
- Bonus
- 40,000 MileagePlus mi
- Y1 value
- $842
See review

Chase
Bonvoy Bold
- AF
- $0
- Bonus
- 30,000 Marriott Bonvoy pts
- Y1 value
- $777
See review

Capital One
Venture
- AF
- $95
- Bonus
- 75,000 miles
- Y1 value
- $763
See review

Capital One
Venture X
- AF
- $395
- Bonus
- 75,000 miles
- Y1 value
- $757
See review

Chase
Bonvoy Boundless
- AF
- $95
- Bonus
- 4 Free Night Awards
- Y1 value
- $725
See review

Chase
Ink Cash
- AF
- $0
- Bonus
- $750
- Y1 value
- $713
See review

Chase
Ink Unlimited
- AF
- $0
- Bonus
- $750
- Y1 value
- $713
See review

Citi
Strata Premier
- AF
- $95
- Bonus
- 75,000 TY pts
- Y1 value
- $692
See review

Citi
Double Cash
- AF
- $0
- Bonus
- $200
- Y1 value
- $559
See review

Chase
Freedom Unlimited
- AF
- $0
- Bonus
- $200
- Y1 value
- $517
See review

Amex
Blue Business Plus
- AF
- $0
- Bonus
- 15,000 MR pts
- Y1 value
- $442
See review

Chase
Freedom Flex
- AF
- $0
- Bonus
- $200
- Y1 value
- $437
See review

Amex
Delta Gold
- AF
- $150
- Bonus
- 70,000 Delta Skymi
- Y1 value
- $415
See review

Discover
Discover it Cash Back
- AF
- $0
- Bonus
- $100
- Y1 value
- $369
See review

Capital One
Savor
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Capital One
Quicksilver
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Citi
Custom Cash
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Bilt
Bilt Blue
- AF
- $0
- Bonus
- $100
- Y1 value
- $362
See review

Wells Fargo
Autograph
- AF
- $0
- Bonus
- 20,000 Wells Fargo Rewards pts
- Y1 value
- $362
See review

Wells Fargo
Active Cash
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

US Bank
Cash+
- AF
- $0
- Bonus
- $150
- Y1 value
- $362
See review

Bank of America
Customized Cash Rewards
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Discover
Discover it Miles
- AF
- $0
- Bonus
- $100
- Y1 value
- $362
See review

Discover
Discover it Secured
- AF
- $0
- Bonus
- $50
- Y1 value
- $362
See review

Discover
Discover Chrome Student
- AF
- $0
- Bonus
- $20
- Y1 value
- $362
See review

Capital One
SavorOne
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Capital One
Capital One Platinum Secured
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Capital One
Quicksilver Secured
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Petal
Petal 2
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Petal
Petal 1
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Amex
Blue Business Cash
- AF
- $0
- Bonus
- $250
- Y1 value
- $362
See review

Amex
Amex EveryDay
- AF
- $0
- Bonus
- 10,000 MR pts
- Y1 value
- $362
See review

Amex
Bonvoy Amex (Personal)
- AF
- $0
- Bonus
- 75,000 Marriott Bonvoy pts
- Y1 value
- $362
See review

US Bank
Altitude Go
- AF
- $0
- Bonus
- 20,000 pts
- Y1 value
- $362
See review

US Bank
Smartly Visa
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

Citi
Citi Rewards+
- AF
- $0
- Bonus
- 20,000 TY pts
- Y1 value
- $362
See review

Wells Fargo
WF Reflect
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Goldman Sachs
Apple Card
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Synchrony
PayPal Cashback
- AF
- $0
- Bonus
- —
- Y1 value
- $362
See review

Chase
Amazon Prime Visa
- AF
- $0
- Bonus
- $200
- Y1 value
- $362
See review

PenFed
PenFed Power Cash
- AF
- $0
- Bonus
- $100
- Y1 value
- $362
See review

Navy Federal
NFCU More Rewards
- AF
- $0
- Bonus
- 20,000 pts
- Y1 value
- $362
See review

Amex
Delta Blue
- AF
- $0
- Bonus
- 10,000 Skymi
- Y1 value
- $362
See review

Barclays
JetBlue Card
- AF
- $0
- Bonus
- 10,000 TrueBlue pts
- Y1 value
- $362
See review

Amex
Hilton Honors
- AF
- $0
- Bonus
- 80,000 Hilton Honors pts
- Y1 value
- $362
See review

Wells Fargo
Choice Privileges
- AF
- $0
- Bonus
- 30,000 Choice Privileges pts
- Y1 value
- $362
See review

Navy Federal
NFCU Flagship
- AF
- $49
- Bonus
- 30,000 pts
- Y1 value
- $313
See review

Barclays
Frontier Mastercard
- AF
- $89
- Bonus
- 50,000 FRONTIER mi
- Y1 value
- $273
See review

Bilt
Bilt Obsidian
- AF
- $95
- Bonus
- $200
- Y1 value
- $267
See review

Wells Fargo
Autograph Journey
- AF
- $95
- Bonus
- 60,000 Wells Fargo Rewards pts
- Y1 value
- $267
See review

US Bank
Altitude Connect
- AF
- $95
- Bonus
- 50,000 Altitude Connect pts
- Y1 value
- $267
See review

Bank of America
Premium Rewards
- AF
- $95
- Bonus
- 60,000 BofA Rewards pts
- Y1 value
- $267
See review

Barclays
Wyndham Business
- AF
- $95
- Bonus
- 100,000 Wyndham Rewards pts
- Y1 value
- $267
See review

PenFed
PenFed Pathfinder
- AF
- $95
- Bonus
- 50,000 pts
- Y1 value
- $267
See review

Barclays
Aviator Business
- AF
- $95
- Bonus
- 60,000 AAdvantage mi
- Y1 value
- $267
See review

Wells Fargo
Choice Select
- AF
- $95
- Bonus
- 60,000 Choice Privileges pts
- Y1 value
- $267
See review

Citi
AA Platinum Select
- AF
- $99
- Bonus
- 50,000 AAdvantage mi
- Y1 value
- $263
See review

Barclays
Aviator Red
- AF
- $99
- Bonus
- 70,000 AAdvantage mi
- Y1 value
- $263
See review

Barclays
JetBlue Plus
- AF
- $99
- Bonus
- 60,000 TrueBlue pts
- Y1 value
- $263
See review

Citi
CitiBusiness AAdvantage
- AF
- $99
- Bonus
- 65,000 AAdvantage mi
- Y1 value
- $263
See review

Barclays
JetBlue Business
- AF
- $99
- Bonus
- 50,000 TrueBlue pts
- Y1 value
- $263
See review

Chase
SW Priority
- AF
- $149
- Bonus
- 75,000 Rapid Rewards pts
- Y1 value
- $213
See review

Amex
Amex Green
- AF
- $150
- Bonus
- 40,000 MR pts
- Y1 value
- $212
See review

Amex
Hilton Surpass
- AF
- $150
- Bonus
- 130,000 Hilton Honors pts
- Y1 value
- $212
See review

Capital One
Spark Cash Plus
- AF
- $150
- Bonus
- $1,200
- Y1 value
- $212
See review

Amex
Delta Gold Business
- AF
- $150
- Bonus
- 60,000 Skymi
- Y1 value
- $212
See review

Amex
Amex Gold
- AF
- $325
- Bonus
- 100,000 MR pts
- Y1 value
- $207
See review

Amex
Bonvoy Brilliant
- AF
- $650
- Bonus
- 185,000 Marriott Bonvoy pts
- Y1 value
- $192
See review

Chase
Ink Premier
- AF
- $195
- Bonus
- 100,000 UR pts
- Y1 value
- $167
See review

Amex
Bonvoy Business Amex
- AF
- $125
- Bonus
- 75,000 Marriott Bonvoy pts
- Y1 value
- $142
See review

Chase
United Quest
- AF
- $250
- Bonus
- 90,000 United MileagePlus mi
- Y1 value
- $112
See review

Amex
Delta Platinum
- AF
- $250
- Bonus
- 100,000 Delta Skymi
- Y1 value
- $112
See review

Amex
Hilton Business
- AF
- $195
- Bonus
- 130,000 Hilton Honors pts
- Y1 value
- $46
See review

Amex
Delta Platinum Business
- AF
- $350
- Bonus
- 100,000 Skymi
- Y1 value
- $12
See review

Amex
Amex Business Gold
- AF
- $375
- Bonus
- 200,000 MR pts
- Y1 value
- —
See review

Bilt
Bilt Palladium
- AF
- $495
- Bonus
- 50,000 Bilt Rewards pts
- Y1 value
- —
See review

Amex
Hilton Aspire
- AF
- $550
- Bonus
- 150,000 Hilton Honors pts
- Y1 value
- —
See review

Citi
AA Executive
- AF
- $595
- Bonus
- 100,000 AAdvantage mi
- Y1 value
- —
See review

Amex
Delta Reserve
- AF
- $650
- Bonus
- 100,000 Delta Skymi
- Y1 value
- —
See review

Amex
Amex Platinum
- AF
- $895
- Bonus
- 175,000 MR pts
- Y1 value
- —
See review

Amex
Delta Reserve Business
- AF
- $650
- Bonus
- 60,000 Skymi
- Y1 value
- —
See review

Chase
Sapphire Reserve Biz
- AF
- $795
- Bonus
- 200,000 UR pts
- Y1 value
- —
See review

Amex
Amex Business Platinum
- AF
- $895
- Bonus
- 300,000 MR pts
- Y1 value
- —
See review