data/knowledge_base.md

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.

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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

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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

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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

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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

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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

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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

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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)

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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%)

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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