Only cards we'd carry ourselves. Every link is an affiliate — we earn a commission at no cost to you. Our rankings are honest first.
Chase
$95/yr
Chase Ultimate Rewards
Welcome Bonus
75,000 points after $5,000 spend in 3 months (elevated offer)
Best for: Best starter travel card — high earn on dining and travel, flexible points
Read Review →American Express
$325/yr
Amex Membership Rewards
Welcome Bonus
60,000 points after $6,000 spend in 6 months
Credits
Best for: Best everyday earner for food lovers — 4x dining and groceries is unmatched
Read Review →Capital One
$395/yr
Capital One Miles
Welcome Bonus
75,000 miles after $4k spend in 3 months
Credits
Best for: Simplest premium card — $300 credit + anniversary miles make it net free
Apply Now →Read Review →Bilt
No Fee
Bilt Points
Welcome Bonus
$100 Bilt Cash on approval
Best for: Renters and homeowners who want no annual fee, housing rewards, and simple everyday value
Apply Now →Read Review →Bilt
$95/yr
Bilt Points
Welcome Bonus
$200 Bilt Cash on approval
Credits
Best for: Renters who spend heavily on dining or groceries
Apply Now →Read Review →Bilt
$495/yr
Bilt Points
Welcome Bonus
50,000 points after $4k spend in 3 months + $300 Bilt Cash
Credits
Best for: Renters who travel regularly and want a premium card with lounge access
Apply Now →Read Review →Chase
$95/yr
Marriott Bonvoy
Welcome Bonus
3 Free Night Awards (up to 50k pts each) after $3k spend in 3 months
Best for: Marriott loyalists — free night certificates make the fee pay for itself
Chase
No Fee
Chase Ultimate Rewards
Welcome Bonus
75,000 points after $6k spend in 3 months
Best for: Small business owners — massive earn on common business categories with no fee
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