Compare Credit Cards

Earn 125,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $150

Sebby's take: Get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!). The annual fee is offset by 2 United Club one-time passes per year. Plus, add employee cards at no additional cost.

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Earn 95,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening

Annual fee: $695

Sebby's take: This is the perfect option for Star Alliance frequent flyers who can benefit from the United Club membership ($650 value per year) that comes with the card.

Earn 80,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening

Annual fee: $150, waived the first year

Sebby's take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiers!). The annual fee is offset by 2 United Club one-time passes per year.

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Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Annual fee: $0

Sebby's take: An entry-level card in the United ecosystem. It's one of the few no annual fee cards that has no foreign transaction fees. In addition, you get multipliers for United, gas, and transit.

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.

Earn up to 200,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening.  Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.

Annual fee: $99

Sebby's take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

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Earn 80,000 points after spending $2,000 on purchases within the first 3 months of account opening.

Annual fee: $0

Sebby's take: A good entry point into the IHG ecosystem and offers a great earn rate for your IHG stays. It's one of the few no annual fee cards that offer no foreign transaction fees.

Earn 140,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening.  

Annual fee: $99

Sebby's take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.

Earn 185,000 Marriott Bonvoy® bonus points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Free anniversary night each year (up to 85,000 Marriott Bonvoy Points)

Annual fee: $650

Rates and fees

Sebby's take: Flagship Bonvoy card that's great for loyalists. You get competitive multipliers at Bonvoy properties, U.S. restaurants, and flights booked directly. The annual fee is offset with $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide and a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Platinum status just by having the card.

Earn 3 Free Night Awards (up to 50k Marriott Bonvoy® points) after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Resort fees & terms apply.

Annual fee: $125

Rates and fees

Sebby's take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, U.S. gas stations, U.S. shipping, and U.S. wireless telephone services. The annual fee is offset with a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Gold status.

Earn 155,000 Marriott Bonvoy Points after you spend $5,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $250

Rates and fees

Sebby's take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, and U.S. supermarkets (on up to $15k in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

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Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer ends 4/29/2025. Terms apply.

Annual fee: $195

Rates and fees

Sebby's take: Get competitive multipliers at Hilton properties and select business and travel purchases. The card also comes with Hilton Gold status.