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Earn to 80,000 Hilton Honors Bonus Points after you spend $2,000 on eligible purchases with your new Card within the first 6 months of account opening. 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 60,000 Hyatt points. Earn 30,000 points after $3,000 in spend with the first 3 months of 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.

• Annual fee: $0
• Spend Multiplier: Up to 1.5% cashback
• Foreign Transaction Fee: None

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Earn 60,000 bonus points plus 1 Free Night Award after spending $2,000 on purchases within the first 3 months of account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.

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 $200 after $500 in spend within the first 3 months of account opening

Annual fee: $0

Sebby's take: Great multipliers and also a ton of upside with the 5% back rotating quarters. As long as you don't mind checking every 3 months, I think it's a great standalone or system (Chase Trifecta) pickup.

Earn 130,000 Hilton Honors Bonus 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: $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.

• Intro Offer: 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit after spending $500 on the card within the first 3 months of account opening
• Annual fee: $0

Earn 70,000 American Airlines AAdvantage bonus miles after spending $7,000 on the card within the first 3 months of account opening.

Annual fee: $595

Sebby's take: The flagship personal American Airlines card. This is the perfect option for frequent flyers who can benefit from the Admirals Club membership (up to $850 value per year) that comes with the card.

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter

Annual fee: $0

Sebby's take: You'll need an active Costco membership to qualify for this card. Multipliers on gas, dining, and Costco purchases are ideal for those optimizing for cash back. The main drawback is that you can only redeem cash back once per year.

Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 on the card within the first 4 months of account opening

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

Sebby's take: One of the best pickups if you're into aspirational travel, given the value of AAdvantage® miles and Oneworld airline alliance partners. Also, a great option if you frequently fly American Airlines but don't have status (due to perks like first checked bag free for domestic flights).

Earn 150,000 miles after $30,000 in spend within the first 3 months of account opening.

Annual fee: $395

Foreign Transaction Fee: None

Sebby's take: Pay-in-full card for small business owners that value travel perks like airport lounge access and $300 travel credit to use on Capital One Travel. Earn competitive multipliers on hotels, rental cars, and flights booked through Capital One Travel and 2x on everything else.

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Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Annual fee: $695

Rates and fees

Sebby's take: The flagship Amex business travel card. Despite a hefty annual fee, you get up to $1,409 in credits that help offset this. The card is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.