The math behind your stack.

110 cards · tap any row for the full breakdown · updated Jul 3, 2026

⚡ What movedAeroplan60,000· 5w ago JetBlue Business50,000· 5w ago JetBlue Card10,000· 5w ago Spark Cash Select$750 cash backATH· 6w ago Hilton Honors80,000· 6w ago Hilton Honors Aspire150,000· 6w ago

I mostly wantI spendand can put about$per month on the card/mo

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AAdvantage Platinum Selectciti

AF $0 → $99⚡ ALL-TIME HIGH

TARGETEDYMMV

SUB: 80,000 AA after $1,000 / 90d · Source ↗

↳ Reached via a targeted in-flight offer (000000) — YMMV, not available to everyone.

Year 1

$1,187

net of annual fee

Return

119%

for spending $1k

Score

Apply

$1,187Year 1

119%Return

Score

See the mathApply

PUBLIC

SUB: 80,000 AA after $3,500 / 120d · Source ↗

Year 1

$1,187

net of annual fee

Return

34%

for spending $3.5k

Score

Apply

$1,187Year 1

34%Return

Score

See the mathApply

Sapphire Reservechase

AF $795★ Keeper

IN-BRANCH

SUB: 125,000 UR after $6,000 / 90d · Source ↗

↳ Open the application with a banker at a Chase branch.

Year 1

$2,496

net of annual fee

Return

42%

for spending $6k

Score

Apply

$2,496Year 1

42%Return

Score

See the mathApply

PUBLIC

SUB: 100,000 UR after $6,000 / 90d · Source ↗

Year 1

$2,121

net of annual fee

Return

35%

for spending $6k

Score

Apply

$2,121Year 1

35%Return

Score

See the mathApply

Platinumamex

AF $895⚡ ALL-TIME HIGH★ Keeper

INCOGNITOYMMV

SUB: 175,000 MR after $12,000 / 180d · Source ↗

Year 1

$3,191

net of annual fee

Return

27%

for spending $12k

Score

Apply

$3,191Year 1

27%Return

Score

See the mathApply

PUBLIC

SUB: 80,000 MR after $8,000 / 180d · Source ↗

Year 1

$1,766

net of annual fee

Return

22%

for spending $8k

Score

Apply

$1,766Year 1

22%Return

Score

See the mathApply

Sign in to score these for your stack.

Adds 5/24 + cooldown checks · flags benefits you already own · scales by your monthly spend

Marriott Bonvoy Boundlesschase

AF $95★ Keeper

PUBLIC

SUB: 125,000 Marriott + free night after $3,000 / 90d · Source ↗

Year 1

$1,593

net of annual fee

Return

53%

for spending $3k

Score

Apply

$1,593Year 1

53%Return

Score

See the mathApply

JetBlue Plusbarclays

AF $99

PUBLICNLL

SUB: 60,000 JetBlue after $1,000 / 90d · Source ↗

↳ Pay the $99 annual fee in full within the first 90 days, in addition to the spend.

Year 1

$778

net of annual fee

Return

78%

for spending $1k

Score

Apply

$778Year 1

78%Return

Score

See the mathApply

Sapphire Preferredchase

AF $95⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 100,000 UR after $5,000 / 90d · Source ↗

Year 1

$1,660

net of annual fee

Return

33%

for spending $5k

Score

Apply

$1,660Year 1

33%Return

Score

See the mathApply

AAdvantage Globeciti

AF $350⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 90,000 AA after $5,000 / 120d · Source ↗

Year 1

$1,383

net of annual fee

Return

28%

for spending $5k

Score

Apply

$1,383Year 1

28%Return

Score

See the mathApply

United Explorerchase

AF $0 → $150★ Keeper

TARGETEDYMMV

SUB: 60,000 United after $3,000 / 90d · Source ↗

↳ A higher 60,000-mile offer is available through United's "Explorer Card" campaign link (the standard product page shows 50,000).

Year 1

$1,105

net of annual fee

Return

37%

for spending $3k

Score

Apply

$1,105Year 1

37%Return

Score

See the mathApply

PUBLIC

SUB: 50,000 United after $3,000 / 90d · Source ↗

↳ Adds 10,000 miles for adding an authorized user in 3 months — not scored.

Year 1

$975

net of annual fee

Return

33%

for spending $3k

Score

Apply

$975Year 1

33%Return

Score

See the mathApply

Wyndham Rewards Earner Plusbarclays

AF $95⚡ ALL-TIME HIGH★ Keeper

PUBLICNLL

Tier 1+2 (full)

SUB: 100,000 Wyndham after $1,500 / 180d · Source ↗

↳ 55k after $500 at Hotels by Wyndham in 180 days

Year 1

$698

net of annual fee

Return

47%

for spending $1.5k

Score

Apply

$698Year 1

47%Return

Score

See the mathApply

PUBLICNLL

Tier 1 only

SUB: 45,000 Wyndham after $1,000 / 90d · Source ↗

Year 1

$330

net of annual fee

Return

33%

for spending $1k

Score

Apply

$330Year 1

33%Return

Score

See the mathApply

IHG One Rewards Premierchase

AF $99★ Keeper

PUBLIC

SUB: 140,000 IHG after $3,000 / 90d · Source ↗

Year 1

$1,053

net of annual fee

Return

35%

for spending $3k

Score

Apply

$1,053Year 1

35%Return

Score

See the mathApply

Platinum for Morgan Stanleyamex

AF $895★ Keeper

PUBLIC

SUB: 80,000 MR after $8,000 / 180d · Source ↗

Year 1

$1,766

net of annual fee

Return

22%

for spending $8k

Score

Apply

$1,766Year 1

22%Return

Score

See the mathApply

Platinum for Schwabamex

AF $895★ Keeper

PUBLIC

SUB: 80,000 MR after $8,000 / 180d · Source ↗

Year 1

$1,766

net of annual fee

Return

22%

for spending $8k

Score

Apply

$1,766Year 1

22%Return

Score

See the mathApply

Venture Xcapitalone

AF $395★ Keeper

PUBLIC

SUB: 75,000 Capital One Miles after $4,000 / 90d · Source ↗

Year 1

$1,207

net of annual fee

Return

30%

for spending $4k

Score

Apply

$1,207Year 1

30%Return

Score

See the mathApply

Atmos Rewards Ascentboa

AF $95

PUBLICNLL

SUB: 85,000 Atmos after $4,500 / 120d · Source ↗

Year 1

$1,212

net of annual fee

Return

27%

for spending $4.5k

Score

Apply

$1,212Year 1

27%Return

Score

See the mathApply

Hilton Honors Aspireamex

AF $550★ Keeper

PUBLIC

SUB: 150,000 Hilton after $6,000 / 180d · Source ↗

Year 1

$1,324

net of annual fee

Return

22%

for spending $6k

Score

Apply

$1,324Year 1

22%Return

Score

See the mathApply

Southwest Rapid Rewards Pluschase

AF $99

PUBLIC

SUB: 50,000 Southwest after $1,000 / 90d · Source ↗

Year 1

$622

net of annual fee

Return

62%

for spending $1k

Score

Apply

$622Year 1

62%Return

Score

See the mathApply

Marriott Bonvoy Boldchase

No AF⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 60,000 Marriott after $1,000 / 90d · Source ↗

Year 1

$474

net of annual fee

Return

47%

for spending $1k

Score

Apply

$474Year 1

47%Return

Score

See the mathApply

Freedom Flexchase

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 UR after $500 / 90d · Source ↗

Year 1

$300

net of annual fee

Return

60%

for spending $0.5k

Score

Apply

$300Year 1

60%Return

Score

See the mathApply

Freedom Unlimitedchase

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 UR after $500 / 90d · Source ↗

Year 1

$300

net of annual fee

Return

60%

for spending $0.5k

Score

Apply

$300Year 1

60%Return

Score

See the mathApply

Marriott Bonvoy Brilliantamex

AF $650★ Keeper

PUBLIC

Tier 1+2 (full)

SUB: 150,000 Marriott after $8,000 / 180d · Source ↗

Year 1

$1,505

net of annual fee

Return

19%

for spending $8k

Score

Apply

$1,505Year 1

19%Return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 100,000 Marriott after $6,000 / 180d · Source ↗

Year 1

$1,120

net of annual fee

Return

19%

for spending $6k

Score

Apply

$1,120Year 1

19%Return

Score

See the mathApply

Atmos Rewards Businessboa

AF $95BUSINESS

PUBLICNLL

SUB: 85,000 Atmos after $5,500 / 90d · Source ↗

Year 1

$1,212

net of annual fee

Return

22%

for spending $5.5k

Score

Apply

$1,212Year 1

22%Return

Score

See the mathApply

IHG One Rewards Premier Business card art

IHG One Rewards Premier Businesschase

AF $99BUSINESS★ Keeper

PUBLIC

SUB: 140,000 IHG after $4,000 / 90d · Source ↗

Year 1

$1,053

net of annual fee

Return

26%

for spending $4k

Score

Apply

$1,053Year 1

26%Return

Score

See the mathApply

Ink Business Cashchase

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 100,000 UR after $8,000 / 120d · Source ↗

Year 1

$1,500

net of annual fee

Return

19%

for spending $8k

Score

Apply

$1,500Year 1

19%Return

Score

See the mathApply

Ink Business Unlimitedchase

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 100,000 UR after $8,000 / 120d · Source ↗

Year 1

$1,500

net of annual fee

Return

19%

for spending $8k

Score

Apply

$1,500Year 1

19%Return

Score

See the mathApply

JetBlue Premierbarclays

AF $499

PUBLICNLL

SUB: 100,000 JetBlue after $5,000 / 90d · Source ↗

↳ Pay the $499 annual fee in full within the first 90 days, in addition to the spend.

Year 1

$1,183

net of annual fee

Return

24%

for spending $5k

Score

Apply

$1,183Year 1

24%Return

Score

See the mathApply

Southwest Rapid Rewards Premier card art

Southwest Rapid Rewards Premierchase

AF $149

PUBLIC

SUB: 55,000 Southwest after $1,500 / 90d · Source ↗

Year 1

$676

net of annual fee

Return

45%

for spending $1.5k

Score

Apply

$676Year 1

45%Return

Score

See the mathApply

Palladiumbilt

AF $495

PUBLIC

SUB: 50,000 Bilt + $300 credit after $4,000 / 90d · Source ↗

↳ Rent and mortgage don't count toward the sign-up spend.

Year 1

$990

net of annual fee

Return

25%

for spending $4k

Score

Apply

$990Year 1

25%Return

Score

See the mathApply

United Gatewaychase

No AF0% APR · 12mo⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 30,000 United after $1,000 / 90d · Source ↗

↳ Adds 10,000 miles for adding an authorized user in 3 months — not scored.

Year 1

$418

net of annual fee

Return

42%

for spending $1k

Score

Apply

$418Year 1

42%Return

Score

See the mathApply

AAdvantage Businessciti

AF $0 → $99BUSINESS

PUBLIC

SUB: 65,000 AA after $4,000 / 120d · Source ↗

Year 1

$973

net of annual fee

Return

24%

for spending $4k

Score

Apply

$973Year 1

24%Return

Score

See the mathApply

United Businesschase

AF $150BUSINESS★ Keeper

PUBLIC

SUB: 75,000 United after $5,000 / 90d · Source ↗

Year 1

$1,175

net of annual fee

Return

23%

for spending $5k

Score

Apply

$1,175Year 1

23%Return

Score

See the mathApply

Venturecapitalone

AF $95

PUBLIC

SUB: 75,000 Capital One Miles after $4,000 / 90d · Source ↗

Year 1

$1,050

net of annual fee

Return

26%

for spending $4k

Score

Apply

$1,050Year 1

26%Return

Score

See the mathApply

Delta SkyMiles Goldamex

AF $0 → $150

PUBLIC

SUB: 50,000 Delta after $2,000 / 180d · Source ↗

Year 1

$693

net of annual fee

Return

35%

for spending $2k

Score

Apply

$693Year 1

35%Return

Score

See the mathApply

Goldamex

AF $325⚡ ALL-TIME HIGH

PUBLICYMMV

SUB: 100,000 MR after $8,000 / 180d · Source ↗

↳ Amex shows this as “as high as 100,000” after $8k/6mo — welcome offers vary; you may not be eligible for the full amount.

Year 1

$1,378

net of annual fee

Return

17%

for spending $8k

Score

Apply

$1,378Year 1

17%Return

Score

See the mathApply

Wyndham Rewards Earnerbarclays

No AF⚡ ALL-TIME HIGH

PUBLICNLL

Tier 1+2 (full)

SUB: 75,000 Wyndham after $1,500 / 180d · Source ↗

↳ 45k after $500 at Hotels by Wyndham in 180 days

Year 1

$503

net of annual fee

Return

34%

for spending $1.5k

Score

Apply

$503Year 1

34%Return

Score

See the mathApply

PUBLICNLL

Tier 1 only

SUB: 30,000 Wyndham after $1,000 / 90d · Source ↗

Year 1

$201

net of annual fee

Return

20%

for spending $1k

Score

Apply

$201Year 1

20%Return

Score

See the mathApply

Aeroplanchase

AF $95

PUBLIC

SUB: 60,000 Aeroplan after $3,000 / 90d · Source ↗

Year 1

$851

net of annual fee

Return

28%

for spending $3k

Score

Apply

$851Year 1

28%Return

Score

See the mathApply

Southwest Rapid Rewards Priority card art

Southwest Rapid Rewards Prioritychase

AF $229

PUBLIC

SUB: 60,000 Southwest after $2,000 / 90d · Source ↗

Year 1

$680

net of annual fee

Return

34%

for spending $2k

Score

Apply

$680Year 1

34%Return

Score

See the mathApply

World of Hyatt Businesschase

AF $199BUSINESS

PUBLIC

SUB: 60,000 Hyatt after $5,000 / 90d · Source ↗

Year 1

$972

net of annual fee

Return

19%

for spending $5k

Score

Apply

$972Year 1

19%Return

Score

See the mathApply

United Questchase

AF $350★ Keeper

PUBLIC

SUB: 60,000 United after $4,000 / 90d · Source ↗

↳ Also earns 500 PQP and 10,000 miles for adding an authorized user in 3 months — neither is scored.

Year 1

$923

net of annual fee

Return

23%

for spending $4k

Score

Apply

$923Year 1

23%Return

Score

See the mathApply

VentureOnecapitalone

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 Capital One Miles after $500 / 90d · Source ↗

Year 1

$290

net of annual fee

Return

58%

for spending $0.5k

Score

Apply

$290Year 1

58%Return

Score

See the mathApply

AAdvantage MileUpciti

No AF⚡ ALL-TIME HIGH

PUBLIC

SUB: 15,000 AA after $500 / 90d · Source ↗

Year 1

$210

net of annual fee

Return

42%

for spending $0.5k

Score

Apply

$210Year 1

42%Return

Score

See the mathApply

Savorcapitalone

No AF0% APR · 12mo

PUBLIC

SUB: $250 Cashback after $500 / 90d · Source ↗

Year 1

$250

net of annual fee

Return

50%

for spending $0.5k

Score

Apply

$250Year 1

50%Return

Score

See the mathApply

Southwest Rapid Rewards Performance Business card art

Southwest Rapid Rewards Performance Businesschase

AF $299BUSINESS

PUBLIC

SUB: 80,000 Southwest after $5,000 / 90d · Source ↗

Year 1

$920

net of annual fee

Return

18%

for spending $5k

Score

Apply

$920Year 1

18%Return

Score

See the mathApply

Strata Premierciti

AF $95

PUBLIC

SUB: 60,000 TYP after $4,000 / 90d · Source ↗

Year 1

$850

net of annual fee

Return

21%

for spending $4k

Score

Apply

$850Year 1

21%Return

Score

See the mathApply

Atmos Rewards Summitboa

AF $395

PUBLICNLL

SUB: 100,000 Atmos after $6,500 / 90d · Source ↗

Year 1

$1,257

net of annual fee

Return

19%

for spending $6.5k

Score

Apply

$1,257Year 1

19%Return

Score

See the mathApply

Autograph Journeywellsfargo

AF $95

PUBLICNLL

SUB: 60,000 WF Rewards after $4,000 / 90d · Source ↗

Year 1

$773

net of annual fee

Return

19%

for spending $4k

Score

Apply

$773Year 1

19%Return

Score

See the mathApply

Delta SkyMiles Gold Businessamex

AF $0 → $150BUSINESS★ Keeper

PUBLIC

SUB: 60,000 Delta after $4,000 / 180d · Source ↗

Year 1

$825

net of annual fee

Return

21%

for spending $4k

Score

Apply

$825Year 1

21%Return

Score

See the mathApply

Delta SkyMiles Platinumamex

AF $350★ Keeper

PUBLIC

SUB: 60,000 Delta after $3,000 / 180d · Source ↗

Year 1

$709

net of annual fee

Return

24%

for spending $3k

Score

Apply

$709Year 1

24%Return

Score

See the mathApply

Hilton Honors Surpassamex

AF $0 → $150★ Keeper

PUBLIC

SUB: 130,000 Hilton after $3,000 / 180d · Source ↗

Year 1

$703

net of annual fee

Return

23%

for spending $3k

Score

Apply

$703Year 1

23%Return

Score

See the mathApply

Strata Eliteciti

AF $595

PUBLIC

SUB: 75,000 TYP after $6,000 / 90d · Source ↗

Year 1

$1,059

net of annual fee

Return

18%

for spending $6k

Score

Apply

$1,059Year 1

18%Return

Score

See the mathApply

Southwest Rapid Rewards Premier Business card art

Southwest Rapid Rewards Premier Businesschase

AF $149BUSINESS

PUBLIC

SUB: 60,000 Southwest after $3,000 / 90d · Source ↗

Year 1

$741

net of annual fee

Return

25%

for spending $3k

Score

Apply

$741Year 1

25%Return

Score

See the mathApply

World of Hyattchase

AF $95★ Keeper

PUBLIC

Tier 1 only

SUB: 30,000 Hyatt after $3,000 / 90d · Source ↗

Year 1

$695

net of annual fee

Return

23%

for spending $3k

Score

Apply

$695Year 1

23%Return

Score

See the mathApply

PUBLIC

Tier 1+2 (full)

SUB: 60,000 Hyatt after $15,000 / 180d · Source ↗

↳ 30k more via 2x on up to $15k in 6 months

Year 1

$1,205

net of annual fee

Return

for spending $15k

Score

Apply

$1,205Year 1

8%Return

Score

See the mathApply

Wyndham Rewards Earner Business card art

Wyndham Rewards Earner Businessbarclays

AF $149BUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

Tier 1+2 (full)

SUB: 100,000 Wyndham after $3,500 / 180d · Source ↗

↳ 55k after $500 at Hotels by Wyndham in 180 days

Year 1

$668

net of annual fee

Return

19%

for spending $3.5k

Score

Apply

$668Year 1

19%Return

Score

See the mathApply

PUBLICNLL

Tier 1 only

SUB: 45,000 Wyndham after $3,000 / 90d · Source ↗

Year 1

$299

net of annual fee

Return

10%

for spending $3k

Score

Apply

$299Year 1

10%Return

Score

See the mathApply

Active Cashwellsfargo

No AF0% APR · 12mo

PUBLICNLL

SUB: $200 Cashback after $500 / 90d · Source ↗

Year 1

$200

net of annual fee

Return

40%

for spending $0.5k

Score

Apply

$200Year 1

40%Return

Score

See the mathApply

IHG One Rewards Travelerchase

No AF★ Keeper

PUBLIC

SUB: 80,000 IHG after $2,000 / 90d · Source ↗

Year 1

$524

net of annual fee

Return

26%

for spending $2k

Score

Apply

$524Year 1

26%Return

Score

See the mathApply

Marriott Bonvoy Businessamex

AF $125BUSINESS★ Keeper

PUBLIC

SUB: 125,000 Marriott after $8,000 / 180d · Source ↗

Year 1

$1,137

net of annual fee

Return

14%

for spending $8k

Score

Apply

$1,137Year 1

14%Return

Score

See the mathApply

Strataciti

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 TYP after $1,000 / 90d · Source ↗

Year 1

$300

net of annual fee

Return

30%

for spending $1k

Score

Apply

$300Year 1

30%Return

Score

See the mathApply

United Club Infinitechase

AF $695

PUBLIC

SUB: 80,000 United after $5,000 / 90d · Source ↗

↳ Also earns 2,000 PQP toward status — not scored.

Year 1

$928

net of annual fee

Return

19%

for spending $5k

Score

Apply

$928Year 1

19%Return

Score

See the mathApply

CAP ONE

VentureOne Businesscapitalone

No AFBUSINESS

PUBLICNLL

SUB: 50,000 Capital One Miles after $4,500 / 90d · Source ↗

Year 1

$725

net of annual fee

Return

16%

for spending $4.5k

Score

Apply

$725Year 1

16%Return

Score

See the mathApply

United Club Businesschase

AF $695BUSINESS

PUBLIC

SUB: 80,000 United after $5,000 / 90d · Source ↗

↳ Also earns 2,000 PQP toward status — not scored.

Year 1

$810

net of annual fee

Return

16%

for spending $5k

Score

Apply

$810Year 1

16%Return

Score

See the mathApply

Aer Lingus Visachase

AF $95

PUBLIC

SUB: 75,000 Avios after $5,000 / 90d · Source ↗

Year 1

$730

net of annual fee

Return

15%

for spending $5k

Score

Apply

$730Year 1

15%Return

Score

See the mathApply

Delta SkyMiles Platinum Business card art

Delta SkyMiles Platinum Businessamex

AF $350BUSINESS★ Keeper

PUBLIC

SUB: 70,000 Delta after $6,000 / 180d · Source ↗

Year 1

$842

net of annual fee

Return

14%

for spending $6k

Score

Apply

$842Year 1

14%Return

Score

See the mathApply

Delta SkyMiles Reserveamex

AF $650★ Keeper

PUBLIC

SUB: 70,000 Delta after $5,000 / 180d · Source ↗

Year 1

$808

net of annual fee

Return

16%

for spending $5k

Score

Apply

$808Year 1

16%Return

Score

See the mathApply

Iberia Visachase

AF $95

PUBLIC

SUB: 75,000 Avios after $5,000 / 90d · Source ↗

Year 1

$730

net of annual fee

Return

15%

for spending $5k

Score

Apply

$730Year 1

15%Return

Score

See the mathApply

Quicksilvercapitalone

No AF0% APR · 15mo

PUBLIC

SUB: $200 Cashback after $500 / 90d · Source ↗

Year 1

$200

net of annual fee

Return

40%

for spending $0.5k

Score

Apply

$200Year 1

40%Return

Score

See the mathApply

Triple Cash Rewards Businessusbank

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH★ Keeper

PUBLICNLL

SUB: $750 Cashback after $6,000 / 180d · Source ↗

Year 1

$790

net of annual fee

Return

13%

for spending $6k

Score

Apply

$790Year 1

13%Return

Score

See the mathApply

Blue Business Cashamex

No AF0% APR · 12moBUSINESS

TARGETEDYMMVNLL

SUB: $750 Cashback after $6,000 / 90d · Source ↗

Year 1

$750

net of annual fee

Return

13%

for spending $6k

Score

Apply

$750Year 1

13%Return

Score

See the mathApply

PUBLIC

SUB: $250 Cashback after $3,000 / 90d · Source ↗

Year 1

$250

net of annual fee

Return

for spending $3k

Score

Apply

$250Year 1

8%Return

Score

See the mathApply

Discover it Cash Backdiscover

No AF0% APR · 15mo

No welcome offer

Scored on standing value — worth holding for its benefits, not a sign-up bonus.

↳ Full breakdown →

Year 1

$165

net of annual fee

Ongoing

/yr after AF

Standing

Apply

$165Year 1

$0/yr

Standing

Full breakdown →Apply

Spark Cash Selectcapitalone

No AFBUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

SUB: $750 Cashback after $6,000 / 90d · Source ↗

Year 1

$750

net of annual fee

Return

13%

for spending $6k

Score

Apply

$750Year 1

13%Return

Score

See the mathApply

Wyndham Rewards Earner Premierbarclays

AF $395

PUBLICNLL

Tier 1+2 (full)

SUB: 120,000 Wyndham after $6,750 / 180d · Source ↗

↳ Pay the $395 annual fee in full within the first 120 days, in addition to the spend.

↳ 30k after $750 at Hotels by Wyndham in 180 days

Year 1

$815

net of annual fee

Return

12%

for spending $6.8k

Score

Apply

$815Year 1

12%Return

Score

See the mathApply

PUBLICNLL

Tier 1 only

SUB: 90,000 Wyndham after $6,000 / 120d · Source ↗

↳ Pay the $395 annual fee in full within the first 120 days, in addition to the spend.

Year 1

$614

net of annual fee

Return

10%

for spending $6k

Score

Apply

$614Year 1

10%Return

Score

See the mathApply

Autographwellsfargo

No AF0% APR · 12mo

PUBLICNLL

SUB: 20,000 WF Rewards after $1,000 / 90d · Source ↗

Year 1

$280

net of annual fee

Return

28%

for spending $1k

Score

Apply

$280Year 1

28%Return

Score

See the mathApply

British Airways Visachase

AF $95

PUBLIC

SUB: 75,000 Avios after $5,000 / 90d · Source ↗

Year 1

$730

net of annual fee

Return

15%

for spending $5k

Score

Apply

$730Year 1

15%Return

Score

See the mathApply

Cash+usbank

No AF0% APR · 15mo⚡ ALL-TIME HIGH

PUBLIC

SUB: $250 Cashback after $1,000 / 90d · Source ↗

Year 1

$250

net of annual fee

Return

25%

for spending $1k

Score

Apply

$250Year 1

25%Return

Score

See the mathApply

Ink Business Preferredchase

AF $95BUSINESS

PUBLIC

SUB: 100,000 UR after $8,000 / 90d · Source ↗

Year 1

$1,453

net of annual fee

Return

18%

for spending $8k

Score

Apply

$1,453Year 1

18%Return

Score

See the mathApply

Marriott Bonvoy Bevyamex

AF $250

PUBLIC

Tier 1+2 (full)

SUB: 135,000 Marriott after $7,000 / 180d · Source ↗

Year 1

$860

net of annual fee

Return

12%

for spending $7k

Score

Apply

$860Year 1

12%Return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 85,000 Marriott after $5,000 / 180d · Source ↗

Year 1

$475

net of annual fee

Return

for spending $5k

Score

Apply

$475Year 1

9%Return

Score

See the mathApply

Premium Rewardsboa

AF $95⚡ ALL-TIME HIGH

PUBLIC

SUB: 60,000 BoA Points after $4,000 / 90d · Source ↗

Year 1

$585

net of annual fee

Return

15%

for spending $4k

Score

Apply

$585Year 1

15%Return

Score

See the mathApply

Travel Rewardsboa

No AF0% APR · 15mo

PUBLICNLL

SUB: 25,000 BoA Points after $1,000 / 90d · Source ↗

Year 1

$250

net of annual fee

Return

25%

for spending $1k

Score

Apply

$250Year 1

25%Return

Score

See the mathApply

Greenamex

AF $150

PUBLIC

SUB: 40,000 MR after $3,000 / 180d · Source ↗

Year 1

$534

net of annual fee

Return

18%

for spending $3k

Score

Apply

$534Year 1

18%Return

Score

See the mathApply

JetBlue Businessbarclays

AF $99BUSINESS

PUBLICNLL

SUB: 50,000 JetBlue after $4,000 / 90d · Source ↗

↳ Pay the $99 annual fee in full within the first 90 days, in addition to the spend.

Year 1

$648

net of annual fee

Return

16%

for spending $4k

Score

Apply

$648Year 1

16%Return

Score

See the mathApply

Double Cashciti

No AF⚡ ALL-TIME HIGH

PUBLIC

SUB: 20,000 TYP after $1,500 / 180d · Source ↗

↳ Some Citi landing pages don't display the welcome offer — apply through a page that shows the 20,000-point ($200) bonus.

Year 1

$300

net of annual fee

Return

20%

for spending $1.5k

Score

Apply

$300Year 1

20%Return

Score

See the mathApply

Premium Rewards Eliteboa

AF $550

PUBLICNLL

SUB: 75,000 BoA Points after $5,000 / 90d · Source ↗

Year 1

$618

net of annual fee

Return

12%

for spending $5k

Score

Apply

$618Year 1

12%Return

Score

See the mathApply

Altitude Connectusbank

No AF0% APR · 15mo★ Keeper

PUBLIC

SUB: 20,000 Altitude Pts after $1,000 / 90d · Source ↗

Year 1

$265

net of annual fee

Return

27%

for spending $1k

Score

Apply

$265Year 1

27%Return

Score

See the mathApply

Delta SkyMiles Reserve Business card art

Delta SkyMiles Reserve Businessamex

AF $650BUSINESS★ Keeper

PUBLIC

SUB: 80,000 Delta after $12,000 / 180d · Source ↗

Year 1

$946

net of annual fee

Return

for spending $12k

Score

Apply

$946Year 1

8%Return

Score

See the mathApply

Altitude Gousbank

No AF0% APR · 15mo★ Keeper

PUBLIC

SUB: 20,000 Altitude Pts after $1,000 / 90d · Source ↗

Year 1

$208

net of annual fee

Return

21%

for spending $1k

Score

Apply

$208Year 1

21%Return

Score

See the mathApply

Discover it Milesdiscover

No AF0% APR · 15mo

No welcome offer

Scored on standing value — worth holding for its benefits, not a sign-up bonus.

↳ Full breakdown →

Year 1

$138

net of annual fee

Ongoing

/yr after AF

Standing

Apply

$138Year 1

$0/yr

Standing

Full breakdown →Apply

Hilton Honorsamex

No AF★ Keeper

PUBLIC

SUB: 80,000 Hilton after $2,000 / 180d · Source ↗

Year 1

$348

net of annual fee

Return

17%

for spending $2k

Score

Apply

$348Year 1

17%Return

Score

See the mathApply

Hilton Honors Businessamex

AF $0 → $195BUSINESS

PUBLIC

SUB: 130,000 Hilton after $8,000 / 180d · Source ↗

Year 1

$721

net of annual fee

Return

for spending $8k

Score

Apply

$721Year 1

9%Return

Score

See the mathApply

Business Advantage Customized Cash Rewards card art

Business Advantage Customized Cash Rewardsboa

No AF0% APR · 7moBUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

SUB: $500 Cashback after $5,000 / 90d · Source ↗

Year 1

$500

net of annual fee

Return

10%

for spending $5k

Score

Apply

$500Year 1

10%Return

Score

See the mathApply

Business Advantage Travel Rewards card art

Business Advantage Travel Rewardsboa

No AF0% APR · 7moBUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

SUB: 50,000 BoA Points after $5,000 / 90d · Source ↗

Year 1

$500

net of annual fee

Return

10%

for spending $5k

Score

Apply

$500Year 1

10%Return

Score

See the mathApply

Business Advantage Unlimited Cash Rewards card art

Business Advantage Unlimited Cash Rewardsboa

No AF0% APR · 7moBUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

SUB: $500 Cashback after $5,000 / 90d · Source ↗

Year 1

$500

net of annual fee

Return

10%

for spending $5k

Score

Apply

$500Year 1

10%Return

Score

See the mathApply

Customized Cash Rewardsboa

No AF0% APR · 15mo

PUBLICNLL

SUB: $200 Cashback after $1,000 / 90d · Source ↗

Year 1

$200

net of annual fee

Return

20%

for spending $1k

Score

Apply

$200Year 1

20%Return

Score

See the mathApply

Signify Business Cashwellsfargo

No AF0% APR · 12moBUSINESS

PUBLICNLL

SUB: $500 Cashback after $5,000 / 90d · Source ↗

Year 1

$500

net of annual fee

Return

10%

for spending $5k

Score

Apply

$500Year 1

10%Return

Score

See the mathApply

Unlimited Cash Rewardsboa

No AF0% APR · 15mo

PUBLICNLL

SUB: $200 Cashback after $1,000 / 90d · Source ↗

Year 1

$200

net of annual fee

Return

20%

for spending $1k

Score

Apply

$200Year 1

20%Return

Score

See the mathApply

Marriott Bonvoy Bountifulchase

AF $250

PUBLIC

SUB: 85,000 Marriott after $4,000 / 90d · Source ↗

Year 1

$501

net of annual fee

Return

13%

for spending $4k

Score

Apply

$501Year 1

13%Return

Score

See the mathApply

Blue Cash Preferredamex

AF $0 → $950% APR · 12mo

REFERRAL

SUB: $300 Cashback after $3,000 / 180d · Source ↗

↳ A $300 version (with the first-year fee waived) circulates via an existing cardholder's referral link and CardMatch.

Year 1

$360

net of annual fee

Return

12%

for spending $3k

Score

Apply

$360Year 1

12%Return

Score

See the mathApply

PUBLIC

SUB: $250 Cashback after $3,000 / 180d · Source ↗

↳ The standard public welcome offer. A higher $300 bonus circulates via referral links and CardMatch — see the referral row.

Year 1

$310

net of annual fee

Return

10%

for spending $3k

Score

Apply

$310Year 1

10%Return

Score

See the mathApply

Venture Businesscapitalone

AF $95BUSINESS

PUBLICNLL

SUB: 100,000 Capital One Miles after $10,000 / 90d · Source ↗

Year 1

$1,433

net of annual fee

Return

14%

for spending $10k

Score

Apply

$1,433Year 1

14%Return

Score

See the mathApply

AAdvantage Executiveciti

AF $595

PUBLIC

SUB: 70,000 AA after $7,000 / 90d · Source ↗

Year 1

$764

net of annual fee

Return

11%

for spending $7k

Score

Apply

$764Year 1

11%Return

Score

See the mathApply

Blue Cash Everydayamex

No AF0% APR · 15mo★ Keeper

PUBLIC

SUB: $200 Cashback after $2,000 / 180d · Source ↗

Year 1

$242

net of annual fee

Return

12%

for spending $2k

Score

Apply

$242Year 1

12%Return

Score

See the mathApply

Business Greenamex

AF $95BUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 25,000 MR after $3,000 / 90d · Source ↗

Year 1

$280

net of annual fee

Return

for spending $3k

Score

Apply

$280Year 1

9%Return

Score

See the mathApply

CHASE

Sapphire Reserve for Businesschase

AF $795BUSINESS⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 200,000 UR after $30,000 / 180d · Source ↗

Year 1

$3,461

net of annual fee

Return

12%

for spending $30k

Score

Apply

$3,461Year 1

12%Return

Score

See the mathApply

Business Goldamex

AF $375BUSINESS⚡ ALL-TIME HIGH

PUBLICYMMVNLL

SUB: 200,000 MR after $15,000 / 90d · Source ↗

↳ A flat 200,000-point offer via Amex's direct application link — the standard product page may show a lower amount. Links like this rotate, so confirm the amount on the apply page.

Year 1

$2,903

net of annual fee

Return

19%

for spending $15k

Score

Apply

$2,903Year 1

19%Return

Score

See the mathApply

JetBlue Cardbarclays

No AF

PUBLICNLL

SUB: 10,000 JetBlue after $1,000 / 90d · Source ↗

Year 1

$130

net of annual fee

Return

13%

for spending $1k

Score

Apply

$130Year 1

13%Return

Score

See the mathApply

Business Platinumamex

AF $895BUSINESS★ Keeper

INCOGNITOYMMV

SUB: 300,000 MR after $20,000 / 90d · Source ↗

Year 1

$4,743

net of annual fee

Return

24%

for spending $20k

Score

Apply

$4,743Year 1

24%Return

Score

See the mathApply

PUBLIC

SUB: 150,000 MR after $20,000 / 90d · Source ↗

Year 1

$2,493

net of annual fee

Return

12%

for spending $20k

Score

Apply

$2,493Year 1

12%Return

Score

See the mathApply

Blue Business Plusamex

No AF0% APR · 12moBUSINESS

PUBLIC

SUB: 15,000 MR after $3,000 / 90d · Source ↗

Year 1

$225

net of annual fee

Return

for spending $3k

Score

Apply

$225Year 1

8%Return

Score

See the mathApply

Ink Business Premierchase

AF $195BUSINESS

PUBLIC

SUB: $1,000 Cashback after $10,000 / 90d · Source ↗

Year 1

$805

net of annual fee

Return

for spending $10k

Score

Apply

$805Year 1

8%Return

Score

See the mathApply

Obsidianbilt

AF $95

PUBLIC

SUB: $200 Cashback after No spend required · Source ↗

↳ $200 Bilt Cash is credited when you apply and are approved — no spend required.

Year 1

$150

net of annual fee

Return

No spend required

Score

Apply

$150Year 1

Return

Score

See the mathApply

Prime Visachase

No AF

PUBLIC

SUB: $150 Cashback after No spend required · Source ↗

↳ Requires an active Amazon Prime membership.

Year 1

$150

net of annual fee

Return

No spend required

Score

Apply

$150Year 1

Return

Score

See the mathApply

Bluebilt

No AF

PUBLIC

SUB: $100 Cashback after No spend required · Source ↗

↳ $100 Bilt Cash is credited when you apply and are approved — no spend required.

Year 1

$100

net of annual fee

Return

No spend required

Score

Apply

$100Year 1

Return

Score

See the mathApply

Spark Cash Pluscapitalone

AF $150BUSINESS

PUBLICNLL

SUB: $2,000 Cashback after $30,000 / 90d · Source ↗

Year 1

$1,850

net of annual fee

Return

for spending $30k

Score

Apply

$1,850Year 1

6%Return

Score

See the mathApply

Venture X Businesscapitalone

AF $395BUSINESS★ Keeper

PUBLIC

SUB: 150,000 Capital One Miles after $30,000 / 90d · Source ↗

Year 1

$2,304

net of annual fee

Return

for spending $30k

Score

Apply

$2,304Year 1

8%Return

Score

See the mathApply

Freedom Risechase

No AF

PUBLIC

SUB: $25 Cashback after No spend required · Source ↗

↳ Earn the $25 statement credit by enrolling in automatic payments within 3 months of opening and staying enrolled for at least 90 days. No spend required.

Year 1

$25

net of annual fee

Return

No spend required

Score

Apply

$25Year 1

Return

Score

See the mathApply