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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.

• 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 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.

Annual Fee: $0

Rates & Fees

Sebby's Take: Great card to earn points while paying rent. In order to earn points, you'll need to use the card at least 5 times each statement period.

Earn 40,000 Membership Rewards points after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $150

Sebby's take: Ideal for people who have high travel, transit, and restaurant spending. The annual fee is offset with up to a $189 CLEAR credit and up to a $100 LoungeBuddy credit. All information about the American Express® Green Card has been collected independently by AskSebby.com.

Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases with your new Card within the first 3 months of account opening. Terms apply.

Annual fee: $0

Rates and fees

Sebby's take: No annual fee option where you get 2x back on everything on up to $50,000 in spend per calendar year. After that, it's 1x back.

Earn a $200 bonus after you spend $1,000 on purchases within the first 120 days of account opening

Annual fee: $0

Sebby's take: Pick your own 5% and 2% categories to earn cash back. Great for people optimizing for cash back and flexible categories with no annual fee.

Earn a 20,000 bonus points after spending $1,000 on the card within the first 90 days of account opening

Annual fee: $0

Sebby's take: Earner card where you get 4X points on dining, takeout, and restaurant delivery.

Earn a $250 statement credit after you spend $3,000 on eligible purchases with your new Card within the first 6 months of account opening. Terms apply.

Annual fee: $0 intro annual fee for the first year, then $95

Rates and fees

Sebby's take: Ideal if you have high spend at U.S. supermarkets, streaming subscriptions, gas stations, and transit.

Earn a $200 statement credit 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: Ideal if you have high spend at U.S. supermarkets and gas stations. With no annual fee, the card is easy to keep.

• Annual Fee: $0
• Welcome Bonus: Get a 2X cash bonus (dollar-to-dollar match) on all cash back at the end of your first year.
• Build Credit

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