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# Credit Card Knowledge Base

# Issuers

## American Express

Amex has personal and business cards earning either cash back or Membership Rewards (MR) points. MR point redemption options:
- Cash: 0.6 cpp
- Gift cards / Amazon: 0.5–1.0 cpp
- Amex Travel portal: ~1.0 cpp (marked-up prices reduce effective value)
- Transfer to airline/hotel partners (best value)

**TPG estimated value: 2.0 cents per MR point** (includes flexibility premium).

**Transfer partners (all 1:1 unless noted):**
- Airlines: Aer Lingus, Aeromexico (1:1.6 ratio), Air Canada Aeroplan, Air France-KLM Flying Blue, ANA Mileage Club, Avianca LifeMiles, British Airways, Cathay Pacific, Delta SkyMiles, Emirates Skywards, Etihad Guest, Iberia, JetBlue TrueBlue (250:200 ratio), Qantas, Qatar Airways, Singapore KrisFlyer, Virgin Atlantic
- Hotels: Choice Privileges, Hilton Honors (1:2 ratio), Marriott Bonvoy

Transfers are irreversible, in 1,000-point increments. Amex charges 0.6 cpp excise tax (up to $99) on transfers to Delta and JetBlue.

**Card sequences:** Getting a higher-tier card makes you ineligible for signup bonuses on lower cards in the same sequence (lasts ~7 years on credit report). Key sequence: Platinum > Gold > Green. Delta sequence: Reserve > Platinum > Gold > Blue. Business equivalents follow the same rule. Signup bonus is once per lifetime (~7 years). Targeted offers may waive this ("no lifetime language" offers).

**Application rules:**
- 1 credit card per 5 days (charge cards exempt)
- 2 credit cards per 90 days (charge cards usually exempt)
- 1 of same product per 90 days
- Max 5 credit cards + 10 charge cards at once (personal and business count separately toward each limit)
- Popup jail: Amex may block welcome offers if they detect bonus abuse patterns

## Chase

Chase has cash back cards and Ultimate Rewards (UR) points cards. Cash back cards earn basic points redeemable at 1 cpp or transferable to a UR points card if you hold one.

**TPG estimated value: 2.05 cents per UR point.**

**Transfer partners (all 1:1):**
- Airlines: Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways, Iberia, JetBlue TrueBlue, Singapore KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic
- Hotels: IHG One Rewards, Marriott Bonvoy, World of Hyatt, Wyndham Rewards

**Application rules:**
- 5/24 Rule: Unlikely approved if 5+ cards opened (any bank) in past 24 months. Most business cards don't count. Exceptions that DO count: TD Bank, Discover, Capital One Spark Cash Select/Spark Miles/Spark Miles Select.
- 24-Month Rule: Can only get a welcome offer on a card again if you no longer have it AND 24+ months since last welcome offer on that card. Does not apply to Sapphire cards (see below).
- Sapphire cards: No family rule preventing holding both. Only 1 Sapphire bonus per 48 months. Pop-up warning if ineligible.
- Ink "Lifetime" Rule: May not be eligible for no-AF Ink welcome offer if you've ever had any no-AF Chase business card. May not be eligible for Ink Preferred offer if you currently have or previously had it.
- 2 per month: Max 2 new cards per 30 days. Business cards usually limited to 1 per 30 days.
- Shutdown risk: Chase will shut down all cards if they detect excessive churning or manufactured spend.

## Capital One

Capital One has cash back and miles cards. Cash back cards cannot transfer to miles cards (unlike Chase). Approval odds are unpredictable.

**TPG estimated value: 1.85 cents per Capital One mile.**

**Transfer partners:**
| Loyalty program | Ratio |
|---|---|
| Aeromexico Rewards | 1:1 |
| Air Canada Aeroplan | 1:1 |
| Air France/KLM Flying Blue | 1:1 |
| Cathay Pacific Asia Miles | 1:1 |
| Accor Live Limitless | 2:1 |
| Avianca LifeMiles | 1:1 |
| British Airways Executive Club | 1:1 |
| Choice Privileges | 1:1 |
| Emirates Skywards | 2:1.5 |
| Etihad Guest | 1:1 |
| EVA Air Infinity MileageLands | 2:1.5 |
| Finnair Plus | 1:1 |
| I Prefer Hotel Rewards | 1:2 |
| JAL Mileage Bank | 2:1.5 |
| JetBlue TrueBlue | 5:3 |
| Qantas Frequent Flyer | 1:1 |
| Qatar Airways Privilege Club | 1:1 |
| Singapore Airlines KrisFlyer | 1:1 |
| TAP Portugal Miles&Go | 1:1 |
| Turkish Airlines Miles&Smiles | 1:1 |
| Virgin Red | 1:1 |
| Wyndham Rewards | 1:1 |

## Bilt

Bilt cards earn Bilt points on everyday purchases and can earn points on housing (rent/mortgage) via one of two options:

**Option 1: Tiered rewards.** Points earned per $1 on housing depend on non-housing spending as a % of monthly housing payment:

| Non-housing spend % | Housing earn rate |
|---|---|
| 25% | 0.5x |
| 50% | 0.75x |
| 75% | 1x |
| 100%+ | 1.25x |

If you don't meet any threshold: 250 points/month on housing.

**Option 2: Bilt Cash system.** Earn 4% back in Bilt Cash on all non-housing purchases. Use Bilt Cash to cover a 3% processing fee to earn 1x points on housing. To fully fund housing points, you need to spend ~75% of your housing payment on regular purchases. You can switch between options anytime (takes effect next month). Bilt Cash expires Dec 31 each year ($100 rollover allowed). Bilt points don't expire.

**TPG estimated value: 2.2 cents per Bilt point** (includes flexibility premium and frequent transfer bonuses).

**Transfer partners (all 1:1 unless noted):**
- Airlines: Atmos Rewards (Alaska + Hawaiian), Avianca LifeMiles, United MileagePlus, Air France/KLM Flying Blue, Virgin Red, Virgin Atlantic, Emirates Skywards, British Airways, Cathay Pacific, Turkish Airlines, Aer Lingus, Iberia, Air Canada Aeroplan, TAP Miles&Go, Southwest, Japan Airlines, Qatar Airways, Etihad, Spirit
- Hotels: Hilton Honors, Marriott Bonvoy, World of Hyatt, IHG One Rewards, Accor Live Limitless (3:2)

## Citi

Citi has cash back and ThankYou Points (TYP) cards. Cash back cards (Double Cash, Custom Cash, Strata) also earn TYP but transfer to partners at a 30% discount (0.7:1 ratio).

**TPG estimated value: 1.9 cents per TYP point.**

**Transfer partners (premium card ratio / cash back card ratio):**
| Program | Premium | Cash back |
|---|---|---|
| American Airlines AAdvantage | 1:1 | 1:0.7 |
| Avianca LifeMiles | 1:1 | 1:0.7 |
| Cathay Pacific Asia Miles | 1:1 | 1:0.7 |
| Emirates Skywards | 1:0.8 | 1:0.56 |
| Etihad Guest | 1:1 | 1:0.7 |
| EVA Air | 1:1 | 1:0.7 |
| Air France-KLM Flying Blue | 1:1 | 1:0.7 |
| JetBlue TrueBlue | 1:1 | 1:0.7 |
| Qantas | 1:1 | 1:0.7 |
| Qatar Airways | 1:1 | 1:0.7 |
| Singapore KrisFlyer | 1:1 | 1:0.7 |
| Thai Airways | 1:1 | 1:0.7 |
| Turkish Airlines | 1:1 | 1:0.7 |
| Virgin Atlantic | 1:1 | 1:0.7 |
| Accor Live Limitless | 2:1 | 2:0.7 |
| Choice Privileges | 1:2 | 1:1.4 |
| Leaders Club | 5:1 | 5:0.7 |
| Preferred Hotels | 1:4 | 1:2.8 |
| Wyndham Rewards | 1:1 | 1:0.7 |

**Application rules:**
- 48-Month Rule: Can only receive a welcome offer on the same card every 48 months (from date of receiving bonus, not approval).
- Velocity Limits: Max 1 card per 8 days, max 2 cards per 65 days (includes business and personal).

## Barclays

Barclays issues co-branded airline cards, primarily with JetBlue. JetBlue TrueBlue points are redeemable for JetBlue flights at approximately 1.3–1.5 cpp.

**Application rules:**
- No strict publicly documented velocity limits. Barclays considers total open accounts and recent inquiries.
- 24-Month Rule: Generally must wait 24 months after closing a card to be eligible for a new welcome bonus on the same product.
- 6/24 Guideline: May be more restrictive if 6+ new cards opened across all banks in 24 months.

## Wells Fargo

Wells Fargo offers transferable rewards points through the Autograph card family. Points can be redeemed for travel, cash, or transferred to partners.

**TPG estimated value: 1.65 cents per Wells Fargo Rewards point.**

**Transfer partners (all 1:1 unless noted):**
- Airlines: Air France-KLM Flying Blue, British Airways, Virgin Atlantic
- Hotels: Choice Privileges, Wyndham Rewards

**Application rules:**
- Generally limits new customers to 2 card approvals in a rolling 15-month period.
- Existing customers may have slightly more flexibility.

## Bank of America

BofA offers cash back and points cards. Key feature is the **Preferred Rewards** program that boosts earnings based on combined BofA/Merrill assets:
- Gold ($20K+ assets): 25% bonus on card rewards
- Platinum ($50K+ assets): 50% bonus
- Platinum Honors ($100K+ assets): 75% bonus

With Platinum Honors, a 1.5% base rate becomes 2.625%, and 2% becomes 3.5%.

BofA also issues the Atmos Rewards card (Alaska/Hawaiian airlines program).

**Application rules:**
- 2/3/4 Rule: Max 2 new BofA cards in 30 days, 3 in 12 months, 4 in 24 months.
- May restrict applications from non-existing customers (7-10 rule: denial if 7+ new accounts in past 12 months or 10+ in past 24 months).

## US Bank

US Bank offers cash back and rewards cards. The Smartly card features a tiered cash back system based on checking account balance.

**Application rules:**
- US Bank is conservative with approvals for non-existing customers.
- Generally requires an existing US Bank relationship (checking/savings) for best approval odds.

# Transfer Partners — Airline Alliances

Airlines in the same alliance can book flights on each other's networks using their respective points programs.

- **Star Alliance:** Air Canada, ANA, United, Singapore Airlines, Turkish Airlines, TAP Portugal, EVA Air, Avianca, and others
- **Oneworld:** British Airways, Cathay Pacific, Japan Airlines, Qantas, Iberia, Finnair, Alaska Airlines/Hawaiian Airlines (Atmos Rewards), American Airlines, and others
- **SkyTeam:** Air France-KLM, Delta, Virgin Atlantic, Aeromexico, and others

**Airline point value tips:** Business/first class international redemptions typically yield 2–3x the average cpp value. Key sweet spots: ANA for US-Tokyo business class, American Airlines for domestic economy (bookable via Alaska/Atmos points), Air France-KLM/Etihad/Virgin for international. Qantas and Air Canada often have good availability for Amex MR transfers.

**Hotel point values (approximate median cpp):** Hyatt: 1.7–2.3 cpp (category-based pricing, best value at luxury tiers). Hilton: 0.5–0.6 cpp (adaptive pricing). Marriott: 0.7–0.8 cpp. IHG: 0.5–0.6 cpp. Wyndham: 1.1–1.4 cpp. Choice: 0.6–0.8 cpp. Accor: 2.0–3.0 cpp. Hyatt offers the best high-end value due to category caps on pricing.

# Card Bank

Structured card data for all cards in the evaluation universe.

---

## American Express Platinum
- **Annual Fee:** $895
- **Signup Bonus:** Up to 175,000 MR points after $12,000 spend in 6 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 5x flights booked directly with airlines or through Amex Travel
  - 2x prepaid hotels/car rentals/cruises via Amex Travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $200 airline fee credit (incidental fees only)
  - $200 Uber Cash ($15/mo + $20 in December)
  - $120 Uber One membership credit
  - $300 digital entertainment credit ($25/mo)
  - $600 hotel credit (Fine Hotels + Resorts / Hotel Collection)
  - $400 Resy dining credit ($100/quarter)
  - $300 Equinox credit
  - $300 lululemon credit ($75/quarter)
  - $200 Oura Ring credit
  - $209 CLEAR Plus credit
  - Delta Sky Club access (10 visits/yr; unlimited with $75K annual spend)
  - Global Lounge Collection access
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## American Express Gold
- **Annual Fee:** $325
- **Signup Bonus:** Up to 100,000 MR points after $6,000 spend in 6 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 4x restaurants worldwide (first $50,000/yr)
  - 4x U.S. supermarkets (first $25,000/yr)
  - 3x flights booked directly with airlines or via Amex Travel
  - 2x prepaid hotels/car rentals/cruises via Amex Travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $120 Uber Cash ($10/mo)
  - $120 dining credit ($10/mo at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys)
  - $100 Resy credit ($50 semi-annually)
  - $84 Dunkin' credit ($7/mo)

## Amex Green
- **Annual Fee:** $150
- **Signup Bonus:** 40,000 MR points after $3,000 spend in 6 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 3x restaurants worldwide (including takeout/delivery)
  - 3x travel (airfare, hotels, cruises, car rentals, campgrounds, vacation rentals)
  - 3x transit (trains, taxis, rideshare, ferries, tolls, parking, buses, subways)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $209 CLEAR Plus membership credit
  - $100 LoungeBuddy credit for airport lounge access

## Amex Blue Business Plus
- **Annual Fee:** $0
- **Signup Bonus:** 15,000 MR points after $3,000 spend in 3 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 2x on first $50,000 in purchases annually
  - 1x after $50,000 cap
- **Credits & Perks:** 0% intro APR for 12 months on purchases

## Amex Blue Cash Preferred
- **Annual Fee:** $0 first year, then $95
- **Signup Bonus:** Up to $300 cash back after $3,000 spend in 6 months
- **Currency:** Cash back (Reward Dollars) — not transferable
- **Rewards Rates:**
  - 6% U.S. supermarkets (first $6,000/yr, then 1%)
  - 6% U.S. streaming subscriptions
  - 3% transit (trains, taxis, rideshare, tolls, parking, buses)
  - 3% U.S. gas stations
  - 1% all other purchases
- **Credits & Perks (annual):**
  - Up to $120 Disney streaming credit ($10/mo)

## Amex Blue Business Cash
- **Annual Fee:** $0
- **Signup Bonus:** $250 statement credit after $3,000 spend in 3 months
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 2% cash back on all purchases (first $50,000/yr), then 1%
- **Credits & Perks:** 0% intro APR for 12 months on purchases

## Amex Business Platinum
- **Annual Fee:** $895
- **Signup Bonus:** 200,000 MR points after $20,000 spend in 3 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 5x flights and prepaid hotels on AmexTravel.com
  - 2x U.S. hardware/electronic/software/cloud/shipping (up to $2M/yr combined)
  - 2x single purchases of $5,000+ (up to $2M/yr combined)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $600 Fine Hotels & Resorts / Hotel Collection credit ($300 semi-annually)
  - $200 Hilton hotel credit
  - $209 CLEAR Plus credit
  - $150+ Dell Technologies credit
  - $250 Adobe credit (after $600+ spend)
  - 1,500+ airport lounges (Centurion, Priority Pass, etc.)
  - Global Entry/TSA PreCheck credit

## Amex Business Gold
- **Annual Fee:** $375
- **Signup Bonus:** 100,000 MR points after $15,000 spend in 3 months
- **Currency:** Membership Rewards (MR) points — transferable
- **Rewards Rates:**
  - 4x top 2 spending categories each billing cycle (airfare, advertising, gas, restaurants, shipping, transit, wireless — first $150,000/yr combined)
  - 3x flights and prepaid hotels on AmexTravel.com
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $240 FedEx/Grubhub/office supply credit ($20/mo)
  - $155 Walmart+ membership credit (~$12.95/mo)
  - $150 Squarespace credit
  - $100 Hotel Collection on-property credit (2-night min)

## Amex Delta SkyMiles Blue
- **Annual Fee:** $0
- **Signup Bonus:** 10,000 Delta miles after $1,000 spend in 6 months
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 2x Delta purchases
  - 2x restaurants worldwide
  - 1x all other purchases
- **Credits & Perks:** 20% back on in-flight Delta purchases (excluding Wi-Fi)

## Amex Delta SkyMiles Gold
- **Annual Fee:** $0 intro first year, then $150
- **Signup Bonus:** Up to 90,000 Delta miles (70K after $3K/6mo + 20K after additional $2K/6mo)
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 2x Delta purchases
  - 2x restaurants
  - 2x U.S. supermarkets
  - 1x all other purchases
- **Credits & Perks (annual):**
  - First checked bag free on Delta flights
  - $200 Delta flight credit after $10,000 calendar year spend
  - $100 Delta Stays credit annually
  - 15% off Delta award flights
  - 20% back on in-flight Delta purchases
  - Priority boarding

## Amex Delta SkyMiles Platinum
- **Annual Fee:** $350
- **Signup Bonus:** Up to 100,000 Delta miles (80K after $4K/6mo + 20K after additional $2K/6mo)
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 3x Delta purchases
  - 3x hotels
  - 2x restaurants
  - 2x U.S. supermarkets
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Domestic round-trip companion certificate (upon renewal)
  - First checked bag free on Delta flights
  - Priority boarding
  - 20% back on in-flight Delta purchases
  - Global Entry/TSA PreCheck credit
  - $2,500 MQD Headstart; $1 MQD per $20 spent
  - Uber One membership credit (~$9.99/mo)

## Amex Delta SkyMiles Reserve
- **Annual Fee:** $650
- **Signup Bonus:** Up to 125,000 Delta miles (100K after $6K/6mo + 25K after additional $3K/6mo)
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 3x Delta purchases
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 15 Delta Sky Club visits/yr (unlimited with $75K annual spend)
  - Centurion Lounge access when flying Delta
  - Companion certificate (domestic/Caribbean/Central America; First, Comfort+, or Main)
  - First checked bag free
  - $2,500 MQD Headstart; $1 MQD per $10 spent
  - 15% off Delta award flights
  - Uber One membership credit (~$9.99/mo)

## Amex Delta SkyMiles Business Gold
- **Annual Fee:** $150
- **Signup Bonus:** 90,000 Delta miles after $6,000 spend in 6 months
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 2x Delta purchases
  - 2x restaurants
  - 2x U.S. shipping (up to $50,000/yr)
  - 2x U.S. advertising in select media (up to $50,000/yr)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - First checked bag free (cardholder + up to 8 companions)
  - 15% off Delta award flights
  - 20% back on in-flight Delta purchases
  - Priority boarding

## Amex Delta SkyMiles Business Platinum
- **Annual Fee:** $350
- **Signup Bonus:** 100,000 Delta miles after $8,000 spend in 6 months
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 3x Delta purchases
  - 3x hotels worldwide
  - 1.5x transit, U.S. shipping, single purchases $5,000+ (up to $100,000/yr combined)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Domestic round-trip companion certificate (upon renewal)
  - First checked bag free
  - Priority boarding
  - Uber One membership credit (~$9.99/mo)
  - $2,500 MQD Headstart; $1 MQD per $20 spent

## Amex Delta SkyMiles Business Reserve
- **Annual Fee:** $650
- **Signup Bonus:** 100,000 Delta miles after $8,000 spend in 6 months
- **Currency:** Delta SkyMiles — not transferable
- **Rewards Rates:**
  - 3x Delta purchases
  - 1.5x transit, U.S. shipping, single purchases $5,000+ (up to $100,000/yr combined)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Delta Sky Club and Centurion Lounge access when flying Delta
  - Companion certificate (domestic/Caribbean/Central America; Main cabin)
  - First checked bag free
  - $2,500 MQD Headstart; $1 MQD per $10 spent
  - 15% off Delta award flights
  - Uber One membership credit (~$9.99/mo)

## Amex Hilton Honors
- **Annual Fee:** $0
- **Signup Bonus:** 70,000 Hilton points + Free Night Reward after $2,000 spend in 6 months
- **Currency:** Hilton Honors points — not directly transferable
- **Rewards Rates:**
  - 7x Hilton purchases
  - 5x U.S. restaurants, supermarkets, gas stations
  - 3x all other purchases
- **Credits & Perks:** Hilton Honors Silver status

## Amex Hilton Honors Surpass
- **Annual Fee:** $150
- **Signup Bonus:** 130,000 Hilton points + Free Night Reward after $3,000 spend in 6 months
- **Currency:** Hilton Honors points — not directly transferable
- **Rewards Rates:**
  - 12x Hilton purchases
  - 6x U.S. restaurants, supermarkets, gas stations
  - 4x U.S. online retail
  - 3x all other purchases
- **Credits & Perks (annual):**
  - Hilton Honors Gold status
  - $200 Hilton property credits ($50/quarter)
  - Free Night Reward after $15,000 annual spend
  - Diamond status after $40,000 annual spend

## Amex Hilton Honors Aspire
- **Annual Fee:** $550
- **Signup Bonus:** 175,000 Hilton points after $6,000 spend in 6 months
- **Currency:** Hilton Honors points — not directly transferable
- **Rewards Rates:**
  - 14x Hilton purchases
  - 7x flights (direct or AmexTravel.com), car rentals, U.S. restaurants
  - 3x all other purchases
- **Credits & Perks (annual):**
  - Hilton Honors Diamond status
  - $400 Hilton resort credit ($200 semi-annually)
  - $200 airline credit ($50/quarter)
  - $209 CLEAR Plus credit
  - 1 Free Night Reward on opening and each anniversary
  - Additional Free Night after $30,000 annual spend

## Amex Hilton Honors Business
- **Annual Fee:** $195
- **Signup Bonus:** 175,000 Hilton points + Free Night Reward after $8,000 spend in 6 months
- **Currency:** Hilton Honors points — not directly transferable
- **Rewards Rates:**
  - 12x Hilton purchases
  - 5x all other purchases (first $100,000/yr), then 3x
- **Credits & Perks (annual):**
  - Hilton Honors Gold status
  - $240 Hilton property credits ($60/quarter)
  - Diamond status after $40,000 annual spend
  - Free Night Reward after spending threshold

## Amex Marriott Bonvoy Bevy
- **Annual Fee:** $250
- **Signup Bonus:** 85,000 Marriott Bonvoy points after $5,000 spend in 6 months
- **Currency:** Marriott Bonvoy points — transferable to airline partners at reduced ratios
- **Rewards Rates:**
  - 6x Marriott Bonvoy hotels
  - 4x restaurants and U.S. supermarkets (first $15,000/yr combined), then 2x
  - 2x all other purchases
- **Credits & Perks (annual):**
  - Gold Elite status
  - 15 Elite Night Credits
  - Free Night Award (up to 50,000 pts) after $15,000 annual spend
  - Free in-room premium internet

## Amex Marriott Bonvoy Brilliant
- **Annual Fee:** $650
- **Signup Bonus:** 100,000 Marriott Bonvoy points after $6,000 spend in 6 months
- **Currency:** Marriott Bonvoy points — transferable to airline partners at reduced ratios
- **Rewards Rates:**
  - 6x Marriott Bonvoy hotels
  - 3x restaurants worldwide
  - 2x all other purchases
- **Credits & Perks (annual):**
  - Platinum Elite status
  - 25 Elite Night Credits
  - $300 dining credit ($25/mo)
  - 1 Free Night Award (up to 85,000 pts) on anniversary
  - $100 Ritz-Carlton/St. Regis property credit (2-night min)
  - Earned Choice Award (50,000 pts) after $60,000 annual spend

## Amex Marriott Bonvoy Business
- **Annual Fee:** $125
- **Signup Bonus:** Up to 125,000 Marriott Bonvoy points (75K after $6K/6mo + 50K after additional $3K/6mo)
- **Currency:** Marriott Bonvoy points — transferable to airline partners at reduced ratios
- **Rewards Rates:**
  - 6x Marriott Bonvoy hotels
  - 4x restaurants, U.S. gas stations, wireless telephone, U.S. shipping
  - 2x all other purchases
- **Credits & Perks (annual):**
  - Gold Elite status
  - 15 Elite Night Credits
  - 1 Free Night Award on anniversary
  - Additional Free Night after $60,000 annual spend
  - 7% discount on eligible Marriott bookings via Amex Business Card Rate

---

## Chase Sapphire Preferred
- **Annual Fee:** $95
- **Signup Bonus:** 75,000 UR points after $5,000 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable
- **Rewards Rates:**
  - 5x Chase Travel purchases
  - 3x dining (including takeout and delivery)
  - 3x select streaming services
  - 3x online grocery (excluding Target, Walmart, wholesale clubs)
  - 2x other travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $50 Chase Travel hotel credit
  - 10% anniversary points bonus (on prior year spend)
  - 5x on Lyft (through 9/30/2027)
  - Complimentary DashPass (12+ months)
  - $10/mo off DoorDash non-restaurant orders

## Chase Sapphire Reserve
- **Annual Fee:** $550
- **Signup Bonus:** 125,000 UR points after $6,000 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable
- **Rewards Rates:**
  - 8x Chase Travel purchases
  - 4x flights and hotels booked direct
  - 3x dining (including takeout and delivery)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $300 travel credit (automatic on travel purchases)
  - $500 credit for stays with The Edit by Chase Travel (2-night min; $250 semi-annually)
  - $300 dining credit at select restaurants ($150 semi-annually)
  - Priority Pass Select lounge membership (+ 2 guests)
  - IHG One Rewards Platinum Elite status
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - Complimentary Apple TV and Apple Music
  - Complimentary DashPass (12+ months)
  - $10/mo off DoorDash non-restaurant orders
  - 10x on Lyft (through 9/30/2027)

## Chase Freedom Unlimited
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back (20,000 UR points) after $500 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable only if paired with a Sapphire or Ink Preferred card
- **Rewards Rates:**
  - 5x Chase Travel purchases
  - 3% dining and drugstores
  - 1.5% all other purchases
- **Credits & Perks:**
  - 6 months complimentary DashPass
  - $10/quarter off DoorDash non-restaurant orders

## Chase Freedom Flex
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back (20,000 UR points) after $500 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable only if paired with a Sapphire or Ink Preferred card
- **Rewards Rates:**
  - 5% rotating quarterly categories (must activate; $1,500 cap per quarter)
  - 5x Chase Travel purchases
  - 3% dining and drugstores
  - 1% all other purchases
- **Credits & Perks:**
  - Cell phone protection (pay bill with card)
  - 6 months complimentary DashPass
  - $10/quarter off DoorDash non-restaurant orders

## Chase Ink Business Preferred
- **Annual Fee:** $95
- **Signup Bonus:** 100,000 UR points after $8,000 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable
- **Rewards Rates:**
  - 3x on first $150,000/yr in combined: shipping, social media & search advertising, travel, internet/cable/phone
  - 1x all other purchases
- **Credits & Perks:**
  - Complimentary DashPass (12+ months)
  - $10/mo off DoorDash non-restaurant orders
  - 5x on Lyft (through 9/30/2027)

## Chase Ink Business Unlimited
- **Annual Fee:** $0
- **Signup Bonus:** 75,000 UR points ($750 cash back) after $6,000 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable only if paired with a Sapphire or Ink Preferred card
- **Rewards Rates:**
  - 1.5x on all purchases
- **Credits & Perks:** 0% intro APR for 12 months on purchases

## Chase Ink Business Premier
- **Annual Fee:** $195
- **Signup Bonus:** $1,000 cash back after $10,000 spend in 3 months
- **Currency:** Cash back — not transferable to UR transfer partners
- **Rewards Rates:**
  - 2.5% on purchases of $5,000+
  - 2% all other purchases
- **Credits & Perks:** No preset spending limit on select purchases

## Chase Business Sapphire Reserve
- **Annual Fee:** $550
- **Signup Bonus:** 150,000 UR points after $20,000 spend in 3 months
- **Currency:** Ultimate Rewards (UR) points — transferable
- **Rewards Rates:**
  - 10x Chase Travel purchases
  - 4x dining (including takeout/delivery)
  - 3x travel (excluding Chase Travel)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $300 travel credit (automatic on travel purchases)
  - $100 Chase Travel statement credit ($50 semi-annually on 2-night hotel stays)
  - Priority Pass Select membership
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - Complimentary DashPass (12 months)
  - $10/quarter off DoorDash non-restaurant orders

## Chase United Explorer
- **Annual Fee:** $95
- **Signup Bonus:** 70,000 United miles after $3,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x United purchases, dining, hotel accommodations (direct)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Free first checked bag (cardholder + 1 companion)
  - 2 United Club one-time passes/year
  - $100 United Hotels credit ($50/stay, 2 max)
  - $100 United TravelBank credit after $10,000 annual spend
  - $60 rideshare credit ($5/mo)
  - $120 Instacart credit ($10/mo)
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - Priority boarding

## Chase United Quest
- **Annual Fee:** $250
- **Signup Bonus:** 80,000 United miles after $4,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 5x Renowned Hotels via Chase Travel
  - 3x United purchases
  - 2x dining, streaming, travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $200 United TravelBank credit on anniversary
  - Free first and second checked bags (cardholder + 1 companion)
  - $150 Renowned Hotels credit
  - $100 rideshare credit ($8/mo)
  - $180 Instacart credit
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - 10,000-mile award flight discount on anniversary
  - 1,000 Card Bonus PQP annually

## Chase United Gateway
- **Annual Fee:** $0
- **Signup Bonus:** 30,000 United miles after $1,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x United purchases, gas stations, local transit
  - 1x all other purchases
- **Credits & Perks:** 25% back on United inflight purchases; 2 checked bag certs after $10,000 annual spend

## Chase United Club
- **Annual Fee:** $525
- **Signup Bonus:** 90,000 United miles after $5,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 5x Renowned Hotels via Chase Travel
  - 4x United purchases
  - 2x dining, travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - United Club membership (All Access after $50K spend or Premier Gold)
  - Free first and second checked bags (cardholder + 1 companion)
  - $200 Renowned Hotels credit
  - $150 rideshare credit ($12/mo)
  - $240 Instacart credit
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - IHG Platinum Elite status
  - 1,500 Card Bonus PQP annually

## Chase United Business
- **Annual Fee:** $99
- **Signup Bonus:** 100,000 United miles after $5,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x United purchases, dining, gas stations, office supply, local transit
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Free first checked bag (cardholder + 1 companion)
  - 2 United Club one-time passes/year
  - $100 United Hotels credit
  - $125 United TravelBank credit (after 5 purchases of $100+)
  - $100 rideshare credit ($8/mo)
  - $120 Instacart credit ($10/mo)
  - Priority boarding

## Chase United Club Business
- **Annual Fee:** $525
- **Signup Bonus:** 100,000 United miles after $5,000 spend in 3 months
- **Currency:** United MileagePlus miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 5x Renowned Hotels via Chase Travel
  - 4x United purchases
  - 2x dining, travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - United Club membership (All Access after $50K spend or Premier Gold)
  - Free first and second checked bags (cardholder + 1 companion)
  - $200 Renowned Hotels credit
  - $200 rideshare credit ($16/mo)
  - $240 Instacart credit
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - 1,500 Card Bonus PQP annually

## Chase Marriott Bonvoy Boundless
- **Annual Fee:** $95
- **Signup Bonus:** 5 Free Night Awards (up to 50,000 pts each) after $3,000 spend in 3 months
- **Currency:** Marriott Bonvoy points — not directly transferable to airlines (Marriott-to-airline transfers at reduced ratios)
- **Rewards Rates:**
  - 6x Marriott Bonvoy hotels
  - 3x dining, gas, grocery (first $6,000/yr combined, then 2x)
  - 2x all other purchases
- **Credits & Perks (annual):**
  - 1 Free Night Award (up to 35,000 pts) on anniversary
  - Up to $100 airline credit ($50/half-year after $250 airline spend)
  - Silver Elite status; Gold Elite with $35,000 annual spend
  - 15 Elite Night Credits annually

## Chase Marriott Bonvoy Bountiful
- **Annual Fee:** $250
- **Signup Bonus:** 85,000 Marriott Bonvoy points after $4,000 spend in 3 months
- **Currency:** Marriott Bonvoy points — not directly transferable to airlines
- **Rewards Rates:**
  - 6x Marriott Bonvoy hotels
  - 3x grocery, dining (first $6,000/yr combined, then 2x), gas
  - 2x all other purchases
- **Credits & Perks (annual):**
  - 1 Free Night Award (up to 50,000 pts) on anniversary
  - Up to $150 airline credit/year
  - Gold Elite status; Platinum Elite with $45,000 annual spend
  - 15 Elite Night Credits annually

## Chase Marriott Bonvoy Bold
- **Annual Fee:** $0
- **Signup Bonus:** 2 Free Night Awards (up to 50,000 pts each) after $1,000 spend in 3 months
- **Currency:** Marriott Bonvoy points — not directly transferable to airlines
- **Rewards Rates:**
  - 3x Marriott Bonvoy hotels
  - 2x grocery, internet/cable/phone, streaming, rideshare, food delivery
  - 1x all other purchases
- **Credits & Perks:** Silver Elite status; 5 Elite Night Credits annually; DashPass (12 months)

## Chase Southwest Rapid Rewards Plus
- **Annual Fee:** $69
- **Signup Bonus:** Companion Pass after $3,000 spend in 3 months (valid through 2/28/2027)
- **Currency:** Southwest Rapid Rewards points — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x Southwest purchases
  - 2x Rapid Rewards hotel/rental car partners
  - 1x dining, gas (first $6,000/yr), all other
- **Credits & Perks (annual):**
  - 3,000 anniversary bonus points
  - 10,000 Companion Pass qualifying points/year
  - Free first checked bag (cardholder + up to 8 passengers)

## Chase Southwest Rapid Rewards Priority
- **Annual Fee:** $149
- **Signup Bonus:** Companion Pass after $4,000 spend in 3 months (valid through 2/28/2027)
- **Currency:** Southwest Rapid Rewards points — not transferable (airline-specific)
- **Rewards Rates:**
  - 3x Southwest purchases
  - 2x hotel/rental car partners, gas, dining (first $8,000/yr), transit
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $75 Southwest travel credit
  - 7,500 anniversary bonus points
  - 10,000 Companion Pass qualifying points/year
  - Free first checked bag (cardholder + up to 8 passengers)
  - Extra Legroom seat upgrade at 48 hours
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Chase Southwest Rapid Rewards Premier
- **Annual Fee:** $99
- **Signup Bonus:** Companion Pass after $4,000 spend in 3 months (valid through 2/28/2027)
- **Currency:** Southwest Rapid Rewards points — not transferable (airline-specific)
- **Rewards Rates:**
  - 3x Southwest purchases
  - 2x hotel/rental car partners, gas, dining (first $6,000/yr), transit
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 6,000 anniversary bonus points
  - 10,000 Companion Pass qualifying points/year
  - Free first checked bag (cardholder + up to 8 passengers)

## Chase Business Southwest Rapid Rewards Performance
- **Annual Fee:** $199
- **Signup Bonus:** 80,000 Rapid Rewards points after $5,000 spend in 3 months
- **Currency:** Southwest Rapid Rewards points — not transferable (airline-specific)
- **Rewards Rates:**
  - 4x Southwest purchases
  - 3x Rapid Rewards hotel/rental car partners
  - 2x gas, dining, hotels, transit, advertising, internet/cable/phone
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 9,000 anniversary bonus points
  - 10,000 Companion Pass qualifying points/year
  - Free first checked bag (cardholder + up to 8 passengers)
  - Extra Legroom seat upgrade at 48 hours
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Chase Business Southwest Rapid Rewards Premier
- **Annual Fee:** $99
- **Signup Bonus:** 60,000 Rapid Rewards points after $3,000 spend in 3 months
- **Currency:** Southwest Rapid Rewards points — not transferable (airline-specific)
- **Rewards Rates:**
  - 3x Southwest purchases
  - 2x hotel/rental car partners, gas, dining (first $8,000/yr), transit
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 6,000 anniversary bonus points
  - 10,000 Companion Pass qualifying points/year
  - Free first checked bag (cardholder + up to 8 passengers)
  - 15% Southwest promotion code on anniversary

## Chase IHG One Rewards Premier
- **Annual Fee:** $99
- **Signup Bonus:** 175,000 IHG points after $3,000 spend in 3 months
- **Currency:** IHG One Rewards points — not transferable (hotel-specific)
- **Rewards Rates:**
  - 10x IHG hotels
  - 5x travel, gas, dining
  - 3x all other purchases
- **Credits & Perks (annual):**
  - 1 Free Night Award (up to 40,000 pts) on anniversary
  - $100 credit + 10,000 bonus points after $20,000 annual spend
  - Platinum Elite status; Diamond Elite with $40,000 annual spend
  - 4th Reward Night Free on point redemptions
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Chase IHG One Rewards Traveler
- **Annual Fee:** $0
- **Signup Bonus:** 90,000 IHG points after $2,000 spend in 3 months
- **Currency:** IHG One Rewards points — not transferable (hotel-specific)
- **Rewards Rates:**
  - 5x IHG hotels
  - 3x utilities, internet/cable/phone, streaming, dining, gas
  - 2x all other purchases
- **Credits & Perks:** Silver Elite status; Gold Elite with $20,000 annual spend; 4th Reward Night Free

## Chase Business IHG One Rewards Premier
- **Annual Fee:** $99
- **Signup Bonus:** 140,000 IHG points after $4,000 spend in 3 months
- **Currency:** IHG One Rewards points — not transferable (hotel-specific)
- **Rewards Rates:**
  - 10x IHG hotels
  - 5x travel, dining, advertising, office supply, gas
  - 3x all other purchases
- **Credits & Perks (annual):**
  - 1 Free Night Award (up to 40,000 pts) on anniversary
  - $100 credit + 10,000 bonus points after $20,000 annual spend
  - Platinum Elite status
  - 4th Reward Night Free
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Chase World of Hyatt
- **Annual Fee:** $95
- **Signup Bonus:** 30,000 World of Hyatt points after $3,000 spend in 3 months
- **Currency:** World of Hyatt points — not transferable (hotel-specific)
- **Rewards Rates:**
  - 4x Hyatt hotels/resorts
  - 2x restaurants, airline tickets (direct), local transit, gym memberships
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 1 Free Night Award (Category 1-4) on anniversary
  - Additional Free Night after $15,000 annual spend
  - Discoverist status
  - 5 Tier-Qualifying Night Credits annually
  - 2 Tier-Qualifying Nights per $5,000 spend (no limit)

## Chase Business World of Hyatt
- **Annual Fee:** $199
- **Signup Bonus:** 60,000 World of Hyatt points after $5,000 spend in 3 months
- **Currency:** World of Hyatt points — not transferable (hotel-specific)
- **Rewards Rates:**
  - 4x Hyatt hotels/resorts
  - 2x gym memberships, top 3 spending categories each quarter
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Up to $100 Hyatt credit ($50 per qualifying purchase, 2/year)
  - Discoverist status
  - 5 Tier-Qualifying Nights per $10,000 spend (no limit)
  - 10% bonus points on redemptions after $50,000 annual spend

## Chase Aeroplan Card
- **Annual Fee:** $95
- **Signup Bonus:** 60,000 Aeroplan points after $3,000 spend in 3 months
- **Currency:** Aeroplan points — not transferable (redeemable on Star Alliance)
- **Rewards Rates:**
  - 3x Air Canada purchases, grocery, dining
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Aeroplan 25K Status for new cardmembers (year of opening + next year)
  - Maintain 25K with $15,000 annual spend; 35K with $75,000 spend
  - Free first checked bag on Air Canada (cardholder + up to 8 companions)
  - Preferred pricing on Aeroplan flight rewards
  - 10% bonus on Chase UR transfers to Aeroplan (50,000+ single transfer)
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Chase Prime Visa
- **Annual Fee:** $0 (requires Amazon Prime membership)
- **Signup Bonus:** Amazon.com gift card upon approval (amount varies)
- **Currency:** Points redeemable at Amazon.com — not transferable
- **Rewards Rates:**
  - 5% Amazon.com, Amazon Fresh, Whole Foods (with Prime)
  - 2% restaurants, gas, transit
  - 1% all other purchases
- **Credits & Perks:** No foreign transaction fee

## Chase Amazon Visa
- **Annual Fee:** $0
- **Signup Bonus:** Amazon.com gift card upon approval (amount varies)
- **Currency:** Points redeemable at Amazon.com — not transferable
- **Rewards Rates:**
  - 3% Amazon.com, Amazon Fresh, Whole Foods (5% with Prime)
  - 2% restaurants, gas, transit
  - 1% all other purchases
- **Credits & Perks:** No foreign transaction fee; no Prime required

---

## Citi Strata Elite
- **Annual Fee:** $595
- **Signup Bonus:** 75,000 ThankYou points after $6,000 spend in 3 months
- **Currency:** Citi ThankYou (TYP) points — transferable
- **Rewards Rates:**
  - 12x hotels, car rentals, attractions on cititravel.com
  - 6x air travel on cititravel.com
  - 6x restaurants on Citi Nights (Fri & Sat 6PM–6AM ET)
  - 3x restaurants all other times
  - 1.5x all other purchases
- **Credits & Perks (annual):**
  - $300 hotel credit (2-night min via cititravel.com)
  - $200 Splurge credit (choose up to 2 brands)
  - $200 Blacklane chauffeur credit ($100 semi-annually)
  - Priority Pass Select membership
  - 4 Admirals Club lounge access passes
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Citi Strata Premier
- **Annual Fee:** $95
- **Signup Bonus:** 60,000 ThankYou points after $4,000 spend in 3 months
- **Currency:** Citi ThankYou (TYP) points — transferable
- **Rewards Rates:**
  - 10x hotels, car rentals, attractions on cititravel.com
  - 3x air travel and other hotel purchases
  - 3x restaurants
  - 3x supermarkets
  - 3x gas & EV charging
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $100 hotel credit (single stay $500+ via cititravel.com, once per year)

## Citi Strata
- **Annual Fee:** $0
- **Signup Bonus:** 20,000 ThankYou points after $1,000 spend in 3 months
- **Currency:** Citi ThankYou (TYP) points — transferable
- **Rewards Rates:**
  - 5x hotels, car rentals, attractions on cititravel.com
  - 3x supermarkets, transit, gas & EV charging, self-select category
  - 2x restaurants
  - 1x all other purchases
- **Credits & Perks:** 0% intro APR for 15 months on purchases and balance transfers

## Citi AAdvantage Executive
- **Annual Fee:** $595
- **Signup Bonus:** 100,000 AAdvantage miles after $10,000 spend in 3 months
- **Currency:** AAdvantage miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 10x AAdvantage Hotels and Cars bookings
  - 4x eligible American Airlines purchases (5x after $150,000 annual spend)
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Admirals Club membership (primary + 2 guests)
  - $120 Avis/Budget car rental credit
  - $120 Lyft credits ($10/mo after 3 rides)
  - $120 Grubhub credit ($10/mo)
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Citi AAdvantage Platinum Select
- **Annual Fee:** $99 (waived first year)
- **Signup Bonus:** 80,000 AAdvantage miles after $3,500 spend in 4 months
- **Currency:** AAdvantage miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x restaurants, gas stations, eligible AA purchases
  - 1x all other purchases
- **Credits & Perks:** First checked bag free on domestic AA itineraries

## Citi AAdvantage Globe
- **Annual Fee:** $350
- **Signup Bonus:** 90,000 AAdvantage miles after $5,000 spend in 4 months
- **Currency:** AAdvantage miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 6x AAdvantage Hotels bookings
  - 3x eligible AA purchases
  - 2x restaurants, rideshare/transit
  - 1x all other purchases
- **Credits & Perks (annual):**
  - 4 Admirals Club Globe Passes/year
  - $240 Turo credit ($30/trip, 8 max)
  - $100 inflight purchase credit on AA flights
  - $100 Splurge credit
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Citi Double Cash
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back after $1,500 spend in 6 months
- **Currency:** Citi ThankYou (TYP) points — transferable when linked to a ThankYou card (at 0.7:1 ratio)
- **Rewards Rates:**
  - 2% on all purchases (1% when you buy + 1% when you pay)
- **Credits & Perks:** None

## Citi Diamond Preferred
- **Annual Fee:** $0
- **Signup Bonus:** None
- **Currency:** N/A — balance transfer card, no rewards
- **Rewards Rates:** No rewards earning
- **Credits & Perks:** 0% intro APR for 12 months on purchases; 0% intro APR for 21 months on balance transfers

## Citi Custom Cash
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back after $1,500 spend in 6 months
- **Currency:** Cash back (ThankYou Points redeemed as cash)
- **Rewards Rates:**
  - 5% on top spending category each billing cycle (up to $500 spent; categories: restaurants, gas, grocery, travel, transit, streaming, drugstores, home improvement, fitness, live entertainment)
  - 4% additional on Citi Travel bookings
  - 1% all other purchases
- **Credits & Perks:** None

## Citi Business AAdvantage
- **Annual Fee:** $99 (waived first year)
- **Signup Bonus:** 65,000 AAdvantage miles after $4,000 spend in 4 months
- **Currency:** AAdvantage miles — not transferable (airline-specific)
- **Rewards Rates:**
  - 2x eligible AA purchases, car rental, gas, telecom
  - 1x all other purchases
- **Credits & Perks:** First checked bag free on domestic AA; companion cert after $30,000 annual spend

---

## Capital One Venture X
- **Annual Fee:** $395
- **Signup Bonus:** 75,000 miles after $4,000 spend in 3 months
- **Currency:** Capital One miles — transferable
- **Rewards Rates:**
  - 10x hotels and rental cars via Capital One Travel
  - 5x flights and vacation rentals via Capital One Travel
  - 2x all other purchases
- **Credits & Perks (annual):**
  - $300 Capital One Travel credit
  - 10,000 bonus miles on anniversary ($100 toward travel)
  - Capital One Lounges + Priority Pass Select access
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Capital One Venture
- **Annual Fee:** $95
- **Signup Bonus:** 75,000 miles after $4,000 spend in 3 months + $250 Capital One Travel credit (first year)
- **Currency:** Capital One miles — transferable
- **Rewards Rates:**
  - 5x hotels, vacation rentals, rental cars via Capital One Travel
  - 2x all other purchases
- **Credits & Perks:**
  - $250 one-time Capital One Travel credit (first cardholder year)
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Capital One Savor
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash bonus after $500 spend in 3 months
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 8% Capital One Entertainment
  - 5% hotels, vacation rentals, rental cars via Capital One Travel
  - 3% grocery (excluding superstores), dining, entertainment, streaming
  - 1% all other purchases
- **Credits & Perks:** 0% intro APR for 12 months on purchases

## Capital One Venture X Business
- **Annual Fee:** $395
- **Signup Bonus:** 150,000 miles after $30,000 spend in 3 months
- **Currency:** Capital One miles — transferable (charge card)
- **Rewards Rates:**
  - 10x hotels and rental cars via Capital One Business Travel
  - 5x flights and vacation rentals via Capital One Business Travel
  - 2x all other purchases
- **Credits & Perks (annual):**
  - 10,000 bonus miles ($100 toward travel) after first anniversary
  - $120 Global Entry/TSA PreCheck credit (every 4 years)

## Capital One Business Spark 2X Miles
- **Annual Fee:** $0 intro first year, then $95
- **Signup Bonus:** 50,000 miles after $4,500 spend in 3 months
- **Currency:** Capital One miles — transferable
- **Rewards Rates:**
  - 5x hotels and rental cars via Capital One Business Travel
  - 2x all other purchases
- **Credits & Perks:** $120 Global Entry/TSA PreCheck credit (every 4 years)

## Capital One Business Spark 2X Cash
- **Annual Fee:** $0 intro first year, then $95
- **Signup Bonus:** $1,000 cash bonus after $10,000 spend in 3 months
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 2% cash back on every purchase
- **Credits & Perks:** None

---

## Bilt Blue
- **Annual Fee:** $0
- **Signup Bonus:** $100 Bilt Cash upon approval
- **Currency:** Bilt points — transferable
- **Rewards Rates:**
  - 1x rent and mortgage (when funded with Bilt Cash; every $30 Bilt Cash unlocks up to 1,000 points on housing)
  - 1x all other purchases
  - 4% back in Bilt Cash on everyday purchases
- **Credits & Perks:** Rent reporting to credit bureaus; no fees on rent payments
- **Note:** Bilt Cash earned from everyday spending is used to fund housing rewards. You need to spend ~75% of your housing payment on regular purchases to fully fund housing points.

## Bilt Obsidian
- **Annual Fee:** $95
- **Signup Bonus:** $200 Bilt Cash upon approval
- **Currency:** Bilt points — transferable
- **Rewards Rates:**
  - 3x dining OR groceries (choose one annually; grocery capped at $25,000/yr)
  - 2x travel
  - 1x rent and mortgage (when funded with Bilt Cash)
  - 1x all other purchases
  - 4% back in Bilt Cash on everyday purchases
- **Credits & Perks (annual):**
  - $100 Bilt travel portal hotel credit ($50 semi-annually, 2-night min)
  - Rent reporting to credit bureaus; no fees on rent payments

## Bilt Palladium
- **Annual Fee:** $495
- **Signup Bonus:** 50,000 points after $4,000 spend in 3 months (non-housing) + $300 Bilt Cash upon approval + Bilt Gold status
- **Currency:** Bilt points — transferable
- **Rewards Rates:**
  - 2x all everyday purchases (excluding rent/mortgage)
  - 1x rent and mortgage (when funded with Bilt Cash)
  - 4% back in Bilt Cash on everyday purchases
- **Credits & Perks (annual):**
  - $400 Bilt travel portal hotel credit ($200 semi-annually, 2-night min)
  - $200 Bilt Cash deposited annually
  - Priority Pass membership (+ 2 guests)
  - Rent reporting to credit bureaus; no fees on rent payments

---

## Barclays JetBlue Card
- **Annual Fee:** $0
- **Signup Bonus:** 10,000 TrueBlue points after $1,000 spend in 90 days
- **Currency:** JetBlue TrueBlue points — not transferable
- **Rewards Rates:**
  - 3x JetBlue purchases
  - 2x restaurants, grocery
  - 1x all other purchases
- **Credits & Perks:** 50% savings on in-flight JetBlue purchases

## Barclays JetBlue Plus
- **Annual Fee:** $99
- **Signup Bonus:** 70,000 TrueBlue points after $1,000 spend in 90 days
- **Currency:** JetBlue TrueBlue points — not transferable
- **Rewards Rates:**
  - 6x JetBlue purchases
  - 2x restaurants, grocery
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Free first checked bag (cardholder + up to 3 companions)
  - 5,000 anniversary bonus points
  - 10% of redeemed points back on JetBlue award flights
  - $100 JetBlue Vacations credit
  - Mosaic status after $50,000 annual spend

## Barclays JetBlue Business
- **Annual Fee:** $99
- **Signup Bonus:** 60,000 TrueBlue points after $2,000 spend in 90 days
- **Currency:** JetBlue TrueBlue points — not transferable
- **Rewards Rates:**
  - 6x JetBlue purchases
  - 2x restaurants, office supply
  - 1x all other purchases
- **Credits & Perks (annual):**
  - Free first checked bag (cardholder + up to 3 companions)
  - 5,000 anniversary bonus points
  - 50% savings on in-flight JetBlue food and drink

---

## Wells Fargo Autograph
- **Annual Fee:** $0
- **Signup Bonus:** 20,000 points after $1,000 spend in 3 months
- **Currency:** Wells Fargo Rewards points — transferable
- **Rewards Rates:**
  - 3x restaurants, travel, gas, transit, streaming, phone plans
  - 1x all other purchases
- **Credits & Perks:** Cell phone protection (up to $600/claim); 0% intro APR for 12 months

## Wells Fargo Autograph Journey
- **Annual Fee:** $95
- **Signup Bonus:** 60,000 points after $4,000 spend in 3 months
- **Currency:** Wells Fargo Rewards points — transferable
- **Rewards Rates:**
  - 5x hotels
  - 4x airlines
  - 3x restaurants, other travel
  - 1x all other purchases
- **Credits & Perks (annual):**
  - $50 airline statement credit
  - Cell phone protection (up to $1,000/claim)

---

## Atmos Rewards Summit
- **Annual Fee:** $395
- **Signup Bonus:** 80,000–100,000 Atmos points after $4,000–$6,000 spend in 90 days + 25,000-point Global Companion Award
- **Currency:** Atmos Rewards points — redeemable for Alaska/Hawaiian flights and partners
- **Rewards Rates:**
  - 3x eligible foreign transactions (no cap)
  - 3x dining
  - 3x Alaska and Hawaiian flight purchases
  - 1x all other purchases
  - 10% relationship bonus on all points with eligible BofA account
- **Credits & Perks (annual):**
  - 25,000-point Global Companion Award (no spend requirement; valid 12 months)
  - 100,000-point Global Companion Award with $60,000 annual spend
  - 8 Alaska Lounge passes per year
  - 8 Wi-Fi passes per year
  - 10,000 anniversary points
  - Primary rental car coverage

## BofA Customized Cash Rewards
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back after $1,000 spend in 90 days
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 3% in choice category (gas/EV, online shopping, dining, travel, drug stores, home improvement) on first $2,500/quarter combined with grocery
  - 2% grocery and wholesale clubs (first $2,500/quarter combined)
  - 1% all other purchases
  - First year: 6% in chosen category, 3% grocery/wholesale (same cap)
- **Credits & Perks:** 0% intro APR for 15 billing cycles; Preferred Rewards bonus (25%-75%)

## BofA Unlimited Cash Rewards
- **Annual Fee:** $0
- **Signup Bonus:** $200 cash back after $1,000 spend in 90 days
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 1.5% unlimited on all purchases (2% first year)
- **Credits & Perks:** 0% intro APR for 15 billing cycles; Preferred Rewards bonus (25%-75%)

## BofA Premium Rewards
- **Annual Fee:** $95
- **Signup Bonus:** 60,000 points ($600 value) after $4,000 spend in 90 days
- **Currency:** Bank of America points — redeemable for travel, cash, statement credit
- **Rewards Rates:**
  - 2x travel and dining
  - 1.5x all other purchases
- **Credits & Perks (annual):**
  - $100 airline incidental credit
  - $100 Global Entry/TSA PreCheck credit (every 4 years)
  - Preferred Rewards bonus (25%-75%)

## BofA Premium Rewards Elite
- **Annual Fee:** $550
- **Signup Bonus:** 75,000 points ($750 value) after $5,000 spend in 90 days
- **Currency:** Bank of America points — redeemable for travel, cash, statement credit
- **Rewards Rates:**
  - 2x travel and dining
  - 1.5x all other purchases
- **Credits & Perks (annual):**
  - $300 airline incidental credit
  - $150 lifestyle credit (rideshare, food delivery, streaming, fitness)
  - Priority Pass Select membership (+ up to 4 authorized user memberships)
  - $120 Global Entry/TSA PreCheck credit (every 4 years)
  - Preferred Rewards bonus (25%-75%)

## BofA Travel Rewards
- **Annual Fee:** $0
- **Signup Bonus:** 25,000 points ($250 value) after $1,000 spend in 90 days
- **Currency:** Bank of America travel points — redeemable as statement credit toward travel
- **Rewards Rates:**
  - 3x on travel via Bank of America Travel Center
  - 1.5x all other purchases
- **Credits & Perks:** 0% intro APR for 15 billing cycles; Preferred Rewards bonus (25%-75%)

---

## US Bank Smartly
- **Annual Fee:** $0
- **Signup Bonus:** None
- **Currency:** Cash back — not transferable
- **Rewards Rates:**
  - 2% cash back on all purchases (base)
  - Relationship bonus tiers (checking account balance required):
    - $5,000–$49,999: 2.5% total
    - $50,000–$99,999: 3% total
    - $100,000+: 4% total
  - Bonus cashback capped at $10,000 spend per billing cycle
  - Excluded from bonus: education, gift cards, insurance, tax, B2B, third-party bill pay
- **Credits & Perks:** None