Compare Credit Cards

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 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.

Earn 70,000 Bonus miles after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

Rates and fees

Sebby's take: Get competitive multipliers on Delta and hotels booked directly. The Annual Companion Certificate helps offset the annual fee. On top of that, your first checked bag is free.

Earn 60,000 Bonus miles after you spend $4,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $0 introductory annual fee for the first year, then $150

Rates and fees

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 skiiers!).

Earn 70,000 bonus after you spend $5,000 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 for lounge access. The annual fee is offset by the Annual Companion Certificate.

Earn 60,000 Bonus miles after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $350

Rates and fees

Sebby's take: Get competitive multipliers on Delta and hotels booked directly. The Annual Companion Certificate helps offset the annual fee. On top of that, your first checked bag is free.

Earn 50,000 Bonus miles after you spend $2,000 within the first 6 months of account opening.  Terms apply.

Annual fee: $0 introductory annual fee for the first year, then $150

Rates and fees

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 skiiers!).

Earn to 165,000 Hilton Honors Bonus Point after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening.  Terms apply. Offer ends 1/8/2025.

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.

Earn 3 Free Night Awards, valued at up to 50K points each for eligible stays, 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 50,000 bonus points after spending $1,000 on purchases within the first 3 months of account opening.

Annual fee: $99

Sebby's take: An ideal option if you want to spend your way to A-List status with Southwest. The reasonable annual fee is partially offset by 6,000 points every cardmember anniversary.

Earn 95,000 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 85,000 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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