Compare Credit Cards

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Annual fee: $199

Sebby's take: The annual fee is partially offset by up to $100 in Hyatt statement credits. If you spend $50,000 or more (calendar year) you get 10% of the points you redeem back for the remainder of the year.

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Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Annual fee: $95

Sebby's take: My go-to recommendation for hotel cards, given the flexibility of Hyatt points. The annual fee is partially offset by a Category 1-4 free night certificate you get every year for keeping the card. You get another night for spending $15,000 in a calendar year.

Earn 30,000 bonus points after spending $1,000 on purchases within the first 3 months of account opening.

Annual fee: $0

Sebby's take: With no annual fee, it's great for new travelers who primarily stay at Bonvoy hotels and who want multiplies on general travel purchases.

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Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.

Annual fee: $95

Sebby's take: The Bonvoy Boundless is a great card for Bonvoy loyalists due to the multipliers. I like that you get a Free Night Award (up to 35,000 points) per year, which helps offset the annual fee -- making it a keeper card.

Limited-time offer: Earn Companion Pass® good through 2/28/26 plus 30,000 bonus points after spending $4,000 on purchases within the first 3 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.

Limited-time offer: Earn Companion Pass® good through 2/28/26 plus 30,000 bonus points after spending $4,000 on purchases within the first 3 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 $3,000 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 90,000 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: $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 100,000 bonus after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer ends 4/2/2025. 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 90,000 Bonus miles after you spend $6,000 on eligible purchases with your new Card within the first 6 months of account opening. Offer ends 4/25/25. 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 100,000 Bonus miles after you spend $8,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply. Offer ends 4/2/25.

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 110,000 Bonus miles after you spend $12,000 on eligible purchases with your new Card within the first 6 months of account opening.  Terms apply. Offer ends 4/2/25.

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.