Compare Credit Cards

Earn $200 Cash back after spending $1500 on the card within the first 6 months of account opening

Annual fee: $0

Rates and fees

Sebby's take: One of the best utility cards. You earn 5% on up to $500 in spend on your highest qualifying category every month. With no annual fee, it is an easy addition regardless of your setup.

Earn 75,000 Avios after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $95

Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Also, you can earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card.

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Earn $200 cash back after you spend $1,500 on purchases within the first 6 months of account opening. Bonus offer will be issued as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee: $0

Rates and fees

Sebby's take: A catch-all card that offers 2% cash back (1% when you buy, 1% when you pay). With no annual fee, it's a great pickup for most people. It's also useful if you're looking for an intro balance transfer offer.

Earn 75,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $0 introductory annual fee for the first year, then $99.

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 70,000 bonus miles + 500 Premier qualifying points after spending $4,000 on purchases within the first 3 months of account opening

Annual fee: $250

Sebby's take: The United Quest is my recommendation for United loyalists. The $125 credit and two 5,000 anniversary award credits help offset the annual fee. On top of that, you get free first and second checked bags.

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.

Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening

Annual fee: $95, 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 90,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening

Annual fee: $525

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 a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases within the first 4 months of account opening.

Annual fee: $149

Sebby's take: The Southwest Priority is the flagship personal Southwest card and my favorite. The annual fee is offset by a $75 Southwest annual travel credit and 7,500 points every cardmember anniversary, making it a keeper card.

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases within the first 4 months of account opening.

Annual fee: $69

Sebby's take: A good entry point if you're looking for a low annual fee option. In addition, you get 3,000 points for every cardmember anniversary which lowers the effective cost every year.

Earn 100,000 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 80,000 Bonus miles after you spend $10,000 on eligible purchases with your new Card within the first 6 months of account opening.  Terms apply.

Annual fee: $650

Rates and fees

Sebby's take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply to lounge access. The annual fee is offset by the Annual Companion Certificate.