Compare Credit Cards

Limited-Time Offer: Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year.

Annual fee: $95

Sebby's take: A catch-all travel card that earns 2x back on your transactions. In addition, you get 5x on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.

Annual fee: $0

Sebby's take: The Freedom Unlimited has great multipliers and is a great standalone card or system card (Chase Trifecta). With no annual fee and tons of optionality (cash back or travel since you earn UR) it's an easy pickup.

Earn 75,000 miles after $4,000 in spend within the first 3 months of account opening.

Annual fee: $395

Foreign Transaction Fee: None

Sebby's take: Flagship travel card and offers lounge access through Priority Pass and Capital One lounges. You earn competitive multipliers on hotels, rental cars, and flights booked through Capital One Travel and 2x on everything else. The annual fee is offset through a $300 travel credit and 10,000 anniversary miles.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.

Annual fee: $550

Sebby's take: A flagship travel card with strong multipliers, Priority Pass, and travel insurances. The annual fee of $550 is offset by a $300 travel credit and 50% more value for travel and Pay Yourself Back.

Earn 60,000 bonus points after $4,000 in purchases in your first 3 months.

Annual fee: $95

Sebby's take: One of the best starting points into the travel rewards world. You have flexible points, strong multipliers, a reasonable annual fee, and tons of optionality (whether team cash back or travel).

Earn 80,000 Membership Rewards points after you spend $8,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $695

✅ Check for pre-qualified and special offers on CardMatch!

Rates and fees

Sebby's take: Despite a hefty annual fee, you get up to $1,574 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Earn 60,000 Membership Rewards Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $325

✅ Check for pre-qualified and special offers on CardMatch!

Rates and fees

Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U.S. supermarkets, and flights booked directly. The annual fee is offset with a monthly dining credit and monthly Uber Cash.

Earn 90,000 bonus points after $8,000 in spend within the first 3 months of account opening.

Annual fee: $95

Sebby's take: A good option for those with high shipping, advertising (social media and search engine), or travel purchases. Also great for those with large internet, cable, and phone service bills.

Earn $750 bonus cash back after $6,000 in spend within the first 3 months of account opening.

Annual fee: $0

Sebby's take: A great catch-all card for "everything else" spend. Despite the marketing, you earn Ultimate Reward (UR) points which can be useful if you have a Sapphire Preferred/Reserve or Ink Preferred.

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee: $0

Sebby's take: Ideal for people with high spend at office supply stores or on internet, cable and phone services. Given the flexibility of Ultimate Reward (UR) points, this is one of the best earners cards.

Limited Time Offer: Earn to 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening.  Offer Ends 4/29/2025. Terms apply.

Annual fee: $150

Foreign Transaction Fee: None

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. If you spend $15,000 in a calendar year, you get a Free Weekend Night Reward. The card also comes with Hilton Gold status.

Limited Time Offer: Earn to 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer Ends 4/29/2025. Terms apply.

Annual fee: $0

Rates and fees

Sebby's take: Get elevated multipliers at Hilton properties and U.S., gas stations, restaurants, and supermarkets. The card also has no annual fees, making it easy to keep.