Welcome bonus: Earn 125,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in purchases within the first six months of card membership.

Spending categories: Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points). Earn 2X points on all other eligible purchases.

Card benefits: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy, earn one Free Night Award after spending $15,000 on eligible purchases on your card in a calendar year (award can be used for one night at a redemption level at or under 50,000 Marriott Bonvoy® pointsat a participating hotel – certain hotels have resort fees), and more.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn two 85,000 free night awards after you spend $6,000 in purchases on the card in your first six months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees (offer ends 11/1/2023).

Spending categories: Earn 6 points per $1 at participating Marriott Bonvoy properties; 3 points per $1 at restaurants worldwide and on flights booked directly with airlines; and 2 points on other eligible purchases.

Card benefits: Each card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide. Also enjoy unlimited airport lounge visits after enrollment in Priority Pass Select.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60K bonus points for spending $4,000 in 3 months.

Spending categories: Earn 5 points on travel booked through the Ultimate Rewards portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point on everything else.

Increased point value: Receive a 25% bonus on paid travel redemptions through the Ultimate Rewards portal. This effectively turns your points into hybrid points as you can choose between getting a value of 1.25 cents per point or transferring points into miles, depending on which gets you a better value.

Card benefits: Transfer all Chase points into airline miles and hotel points. Trip cancellation/interruption insurance, lost luggage insurance and more.

Annual Fee: AnnualFees

DD Take: An excellent premium card if you want a lower annual fee with a similar welcome bonus travel value-wise to CardName.

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60K bonus Ultimate Rewards points – worth $900 in travel when redeemed through the Ultimate Rewards portal – after spending $4,000 in 3 months.

Spending categories: Earn 5 points on flights and 10 points on car rentals and hotels when you book through the Ultimate Rewards portal (on purchases not eligible for the annual travel reimbursement); earn 3 points per $1 on all dining and on other travel (after earning your annual $300 travel credit). Earn 1 point per $1 elsewhere.

Increased point value: Receive a 50% bonus on paid travel redemptions through the Ultimate Rewards portal. This effectively turns your points into hybrid points as you can choose between getting a value of 1.5 cents per point or transferring points into miles, depending on which gets you a better value.

Card benefits: Transfer all Chase points into airline miles and hotel points. Trip cancellation/interruption insurance, lost luggage insurance and more. Airport lounge access and a $300 reimbursement annually to cover travel expenses.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60K bonus ThankYou Points after spending $4,000 in 3 months. Plus, for a limited time, earn 10 points per $1 on hotels, car rentals and attractions (excluding air travel) booked via the Citi Travel portal through June 30, 2024. (Citi is a CardRatings advertiser)

Spending categories: Earn 3 points per $1 at restaurants, supermarkets, gas stations, hotels and on air travel.

Hotel savings: Receive a $100 statement credit each year on a single hotel stay of $500 or more (excluding taxes and fees) through thankyou.com.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60K bonus Membership Rewards points after spending $4,000 on eligible purchases within the first six months of card membership.

Spending categories: Earn 4 points per $1 at restaurants and on purchases at U.S. supermarkets (up to $25,000 spent each calendar year, then 1 point per $1). Earn 3 points on flights booked directly with airlines or through amextravel.com and 1 point per $1 on other eligible purchases.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 140K bonus points after spending $3,000 in the first three months of card membership; plus, earn up to $100 in IHG statement credits on purchases at IHG hotels and resorts for the first 12 months.

Spending categories: Earn up to 26 points per $1 spent at IHG hotels and resorts; five points per $1 on travel and at gas stations and restaurants; and three points per $1 on other eligible purchases.

Card benefits: Reward night after each account anniversary year and a reward night when redeeming points for any consecutive four-night stay at an IHG hotel. Global Entry, TSA PreCheck or Nexus application fee credit every four years when charged to your card. Platinum Elite status for cardholders.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership.

Spending categories: Earn seven Hilton Honors bonus points per $1 spent directly with participating hotels and resorts in the Hilton portfolio; earn five points per $1 at U.S. restaurants, U.S. supermarkets and U.S. gas stations; earn three points per $1 spent on your other eligible purchases.

Card benefits: Complimentary Silver status as a cardholder; spend $20,000 on card purchases in a calendar year to earn an upgrade to Hilton Honors Gold status. Enrollment required for select benefits.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

Spending categories: Earn 2 miles per $1 on everyday purchases and 5 miles per $1 on hotel and car rental bookings through Capital One Travel^SM.

Increased point value: Redeem points for travel at a value of 1 cent each. Or you can transfer into airline miles to maximize your value.

Card benefits: Lost luggage protection. Redeem points for travel at a value 1 cent each. Or you can transfer into airline miles for various – and potentially more – value.

Annual fee: AnnualFees.

DD Take: Excellent welcome bonus and strong mileage earnings on spending.

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 80,000 Membership Rewards points after you spend $8,000 on purchases on your card within the first six months.

Spending categories: Earn 5 Membership Rewards points for every $1 spent on flights booked directly with airlines or through American Express Travel up to $500,000 spent on these purchases per calendar year. You’ll also earn 5 points per $1 on prepaid hotels booked through amextravel.com.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60,000 Membership Rewards points after you spend $3,000 on purchases on your card within the first six months. Additionally, earn 20% back on eligible travel and transit purchases during your first six months, up to $200 back in statement credit. Information related to the American Express Green Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.

Spending categories: Earn 3 Membership Rewards points on travel including hotels, airfare, cruises, tours, car rentals and more; on transit including trains, taxis, rideshare services, tolls, parking, subways and more; and on eligible purchases at restaurants worldwide, including takeout and delivery in the U.S.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first six months.

Spending categories: Earn 2 miles on Delta purchases, at restaurants worldwide (including takeout and delivery in the U.S.) and on U.S. supermarket purchases, and 1 mile on all other eligible purchases.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new card in your first six months.

Spending categories: Earn 3x miles on Delta purchases and purchases directly with hotel and 2x miles per $1 at restaurants worldwide and U.S. supermarkets. Earn 1x mile on all other eligible purchases.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months.

Spending categories: Earn 3x miles on Delta purchases and 1x mile on all other eligible purchases.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 10,000 bonus miles after you spend $1,000 in purchases on your new card in your first six months.

Spending categories: Earn 2x miles per $1 spent on Delta purchases and on restaurant purchases worldwide and 1 mile per $1 on your other eligible purchases.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

Spending categories: Earn 6% cash back at U.S. supermarkets (up to $6,000 spent annually, then 1%), 6% back on eligible streaming subscriptions, 3% back at U.S. gas stations, 3% back on eligible transit and 1% back on your other eligible purchases.

Annual Fee: AnnualFees

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

Spending categories: Earn 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent in each category per year, then 1%), and 1% back on other eligible purchases.

Annual Fee: AnnualFees

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Analysis: Unlimited 2% cash back (1% when you buy, another 1% when you pay) with no annual fee makes this card a real winner! This card also offers an intro 0% APR on qualifying balance transfers for the first 18 months (then, RegAPR). This card basically rewards your good financial habits, so it’s one worth having in your wallet. Citi is a CardRatings advertiser

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. Also, an introductory 0% APR for 15 months on purchases and balance transfers (then, RegAPR).

Spending categories: Earn 5 points per $1 (5%) cash back on travel through the Ultimate Rewards portal, 3 points per $1 at restaurants, 3 points per $1 at drugstores and 1.5 per $1 everywhere else. It’s all marketed percentages of cash back, but you’ll actually get points per $1 that can be used for cash back or as points.

Annual fee: AnnualFees

DD Take: A solid no-annual-fee card that earns at least 1.5% cash back everywhere and the extra rewards categories are an excellent opportunity to rack up points in everyday spending.

Credit needed: CreditScoreNeeded

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Welcome bonus: Earn 20K bonus points for spending $500 in 3 months (marketed as $200 cash back, but you’ll actually get 20K points that can be used for $200 or as points). Also, an introductory 0% APR for 15 months on purchases and balance transfers (then, RegAPR).

Spending categories: On an ongoing basis, earn 5 points per $1 (5%) on up to $1,500 spent in quarterly rotating categories (quarterly activation is required), 5 points per $1 back on travel through the Ultimate Rewards portal, 3 points per $1 at restaurants, 3 points per $1 at drugstores and 1 point per $1 on your other purchases. All of these are marketed as cash back percentages, but you’ll actually get Ultimate Rewards that can be used for cash back or as points.

Annual fee: AnnualFees

DD Take: An excellent no-annual-fee card that earns at least 1% cash back on every purchase. The other reward categories mean points can accumulate very quickly with everyday spending.

Credit needed: CreditScoreNeeded

Information related to Chase Freedom Flex^SM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

For rates and fees of the American Express cards mentioned in this post, please see the following links: CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees) CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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