Credit cards

Credit card directory

Every card we cover, with its annual fee, current public offer, availability and what we actually verified. 80 cards across four categories.

Availability as of November 2, 2026: 66 cards open to new applicants, 7 closed to new applicants or discontinued, and the rest renamed or unverified. Cards that no longer exist are kept as reference pages, because the old names are still widely listed elsewhere.

Bank of America
Atmos™ Rewards Ascent Visa Signature® card
Open to new applicants
The everyday Atmos card. The Companion Fare is the benefit people actually renew for.
Offer: 50,000 bonus points
Annual fee$95
Bank of America
Atmos™ Rewards Summit Visa Infinite® card
Open to new applicants
Alaska and Hawaiian's premium card. Lounge passes, a companion award and accelerated status points.
Offer: 70,000 bonus points
Annual fee$395
Citi
Citi® / AAdvantage Business™ World Elite Mastercard®
Open to new applicants
The business version of the Platinum Select, with a larger limited-time bonus at the moment.
Offer: 75,000 AAdvantage bonus miles
Annual fee$99 after year one
Citi
Citi® / AAdvantage® Executive World Legend Mastercard®
Open to new applicants
Admirals Club membership is the reason to hold it. The 2026 refresh added several credits that only pay off if you fly American regularly.
Offer: 80,000 AAdvantage bonus miles
Annual fee$695
Citi
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Open to new applicants
The standard American Airlines card. A free checked bag for two or three people usually covers the fee on a single round trip.
Offer: 50,000 AAdvantage bonus miles
Annual fee$99 after year one
American Express
Delta SkyMiles® Blue American Express Card
Open to new applicants
A no-fee way to hold SkyMiles. No checked bag, which is the benefit most people actually want.
Offer: 10,000 bonus miles
Annual fee$0
American Express
Delta SkyMiles® Gold American Express Card
Open to new applicants
The sensible Delta card for most people: free checked bags and a modest fee you can skip in year one.
Offer: Up to 80,000 bonus miles plus a $250 statement credit
Annual fee$150 after year one
American Express
Delta SkyMiles® Platinum American Express Card
Open to new applicants
The companion certificate is the whole argument. Everything else is a reasonable mid-tier airline card.
Offer: Up to 90,000 bonus miles plus a $300 statement credit
Annual fee$350
American Express
Delta SkyMiles® Reserve American Express Card
Open to new applicants
Sky Club access and a companion certificate that can cover the fee on its own, if you have someone to fly with.
Offer: Two domestic Delta Comfort flight certificates plus 50,000 bonus miles
Annual fee$650
Barclays
JetBlue Card
Open to new applicants
The no-fee JetBlue card. No checked bag, so it is mainly a way to earn TrueBlue points.
Offer: 10,000 bonus points
Annual fee$0
Barclays
JetBlue Plus Card
Open to new applicants
A free checked bag and a 10% points rebate make this one of the easier airline cards to justify at $99.
Offer: 70,000 TrueBlue points
Annual fee$99
Chase
Southwest Rapid Rewards® Plus Credit Card
Open to new applicants
The cheapest route into the Southwest card family, and the most widely reported bonus of the three.
Offer: 80,000 bonus points
Annual fee$99
Chase
Southwest Rapid Rewards® Premier Credit Card
Open to new applicants
The middle Southwest card. Same Companion Pass math, smaller fee, smaller bonus.
Offer: 85,000 bonus points
Annual fee$149
Chase
Southwest Rapid Rewards® Priority Credit Card
Open to new applicants
The top Southwest card, and the one with the largest current bonus. Credits and points make the fee easier to swallow than it looks.
Offer: 90,000 bonus points
Annual fee$229
Chase
United Club℠ Card
Open to new applicants
United Club membership in card form. The same test applies as with the Admirals Club card: would you buy the membership anyway?
Offer: Up to 100,000 bonus miles
Annual fee$695
Chase
United Gateway℠ Card
Open to new applicants
The no-fee United card. No checked bag, so it is really a way to hold MileagePlus miles for free.
Offer: Up to 40,000 bonus miles
Annual fee$0
Chase
United Quest℠ Card
Open to new applicants
The mid-premium United card, refreshed in October 2026. Sits between the Explorer and the Club card.
Offer: Up to 90,000 bonus miles plus 500 PQP
Annual fee$350
Chase
United℠ Explorer Card
Open to new applicants
The mainstream United card. Free checked bag, two club passes a year, and a first year without a fee.
Offer: Up to 60,000 bonus miles
Annual fee$150 after year one
Bank of America
Alaska Airlines Visa Signature® credit card
Renamed
Renamed. This card is now the Atmos Rewards Ascent Visa Signature from Bank of America.
Offer: See the Atmos Rewards Ascent
Annual fee$95
Barclays
Hawaiian Airlines® World Elite Mastercard®
Closed to new applicants
Closed to new applicants since October 2025. The open alternative for Atmos Rewards is the Atmos Rewards Ascent.
Offer: Not available to new applicants
Annual fee$99
Barclays (closed)
AAdvantage® Aviator® Red World Elite Mastercard®
Discontinued
No longer issued. Existing accounts were converted to the Citi AAdvantage Platinum Select during 2026.
Offer: Not available
Annual feeNot verified
Bank of America
Allegiant World Mastercard®
Status not verified
Status not verified in this build. Check Allegiant's own site before relying on anything about this card.
Offer: Not verified
Annual feeNot verified
Barclays
Frontier Airlines World Mastercard®
Status not verified
Status not verified in this build. Check Frontier's own site before relying on anything about this card.
Offer: Not verified
Annual feeNot verified
Bank of America (discontinued)
Free Spirit® Travel More Mastercard®
Discontinued
Discontinued alongside the rest of the Spirit card portfolio after the airline ceased operating in May 2026.
Offer: Not available
Annual feeNot verified
Bank of America (discontinued)
Spirit Airlines World Elite Mastercard®
Discontinued
Discontinued. Spirit ceased operations on 2 May 2026 and cardholders are being converted to a Bank of America cash-back card.
Offer: Not available
Annual feeNot verified
American Express
Blue Cash Everyday® Card from American Express
Open to new applicants
The no-fee version. Lower rates, same caps, and online retail replaces streaming.
Offer: Up to $200 cash back
Annual fee$0
American Express
Blue Cash Preferred® Card from American Express
Open to new applicants
The best supermarket card in the US, as long as you stay under the $6,000 cap and do not shop at warehouse clubs.
Offer: Up to $300 cash back
Annual fee$95 after year one
Bank of America
Bank of America® Customized Cash Rewards credit card
Open to new applicants
You pick the 3% category. With Preferred Rewards balances the rate climbs significantly.
Offer: 6% cash back in your chosen category for the first year, plus a $200 cash rewards bonus
Annual fee$0
Bank of America
Bank of America® Unlimited Cash Rewards credit card
Open to new applicants
Bank of America's flat-rate card. Like its sibling, it gets much better with Preferred Rewards balances.
Offer: $250 cash rewards bonus
Annual fee$0
Capital One
Capital One Quicksilver Cash Rewards Credit Card
Open to new applicants
Flat-rate cash back with no foreign transaction fee, which makes it a reasonable travel companion despite being a cash-back card.
Offer: $200 cash bonus
Annual fee$0
Capital One
Capital One Savor Cash Rewards Credit Card
Open to new applicants
A no-fee dining and entertainment card. The uncapped dining rate is the reason to hold it.
Offer: $200 cash bonus
Annual fee$0
Chase
Chase Freedom Flex®
Open to new applicants
Rotating 5% categories, which means quarterly activation and a cap. Rewarding if you remember; worthless if you forget.
Offer: $200 bonus
Annual fee$0
Chase
Chase Freedom Unlimited®
Open to new applicants
Marketed as cash back, but the points become transferable if you also hold a Sapphire card. That is the whole trick.
Offer: $200 bonus
Annual fee$0
Citi
Citi Double Cash® Card
Open to new applicants
The flat-rate benchmark: 1% when you buy, 1% when you pay. Nothing to track, nothing to activate.
Offer: Cash back after qualifying purchases
Annual fee$0
Discover
Discover it® Cash Back
Open to new applicants
Rotating 5% categories plus a first-year match that effectively doubles everything you earn.
Offer: $200 statement credit bonus after $500 in 3 months, plus Unlimited Cashback Match
Annual fee$0
Discover
Discover it® Miles
Open to new applicants
Flat-rate miles with a first-year match. The miles are a fixed-value travel credit, not transferable points.
Offer: Unlimited Discover Match on miles earned in the first year
Annual fee$0
U.S. Bank
U.S. Bank Cash+® Visa Signature® Card
Open to new applicants
You choose two 5% categories each quarter from a published list, which is more control than most rotating-category cards give you.
Offer: $200 cash back
Annual feeNot verified
Wells Fargo
Wells Fargo Active Cash® Card
Open to new applicants
Flat 2% on everything with no annual fee. One of the simplest cards worth owning.
Offer: $100 cash rewards bonus
Annual fee$0
Citi
Citi Custom Cash® Card
Closed to new applicants
Closed to new applications since May 2026. Existing cardholders keep the card and its 5% top-category structure.
Offer: Not available to new applicants
Annual fee$0
Alliant Credit Union
Alliant Visa® Signature Cashback Card
Status not verified
Status and terms not verified in this build. Check Alliant directly.
Offer: Not verified
Annual feeNot verified
Fidelity (issued through a partner bank)
Fidelity® Rewards Visa Signature® Card
Status not verified
Status and terms not verified in this build. Check Fidelity directly.
Offer: Not verified
Annual feeNot verified
U.S. Bank
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Status not verified
Not found on U.S. Bank's current card listing page and not otherwise verified in this build.
Offer: Not verified
Annual feeNot verified
Wells Fargo
Choice Privileges® Mastercard®
Open to new applicants
The no-fee Choice card, with a lower bonus and a much lower spend requirement.
Offer: 40,000 bonus points
Annual fee$0
Wells Fargo
Choice Privileges® Select Mastercard®
Open to new applicants
The paid Choice card. Choice points are worth less than most hotel currencies, but award nights at the cheaper brands can be good value.
Offer: 60,000 bonus points
Annual fee$95
Wells Fargo
One Key+™ Card
Open to new applicants
The paid Expedia card. The $100 anniversary bonus roughly cancels the fee, which makes the rest close to free.
Offer: $350 OneKeyCash
Annual fee$99
Wells Fargo
One Key® Mastercard®
Open to new applicants
The no-fee Expedia card. Worth holding only if you book through Expedia group sites.
Offer: $250 OneKeyCash
Annual fee$0
American Express
Hilton Honors American Express Aspire Card
Open to new applicants
Automatic Hilton Diamond status plus resort and flight credits. If you stay at Hilton resorts even twice a year, the credits do most of the work.
Offer: 200,000 Hilton Honors bonus points
Annual fee$550
American Express
Hilton Honors American Express Card
Open to new applicants
A no-fee Hilton card with respectable earning. Silver status, and no route to a free night after the welcome bonus.
Offer: 70,000 Hilton Honors bonus points plus a Free Night Reward
Annual fee$0
American Express
Hilton Honors American Express Surpass® Card
Open to new applicants
Gold status for $150, with quarterly Hilton credits that cover a good share of the fee.
Offer: 130,000 Hilton Honors bonus points plus a Free Night Reward
Annual fee$150
Chase
IHG One Rewards Premier Credit Card
Open to new applicants
The fourth-night-free benefit on award stays is the quiet winner here, more than the headline bonus.
Offer: 180,000 IHG One Rewards points
Annual fee$150
Chase
IHG One Rewards Premier Select Credit Card
Open to new applicants
IHG's new premium tier, launched October 2026, with the largest current bonus in the family.
Offer: 200,000 IHG One Rewards points
Annual fee$350
American Express
Marriott Bonvoy Bevy™ American Express® Card
Open to new applicants
The Amex mid-tier Marriott card. Sits directly against Chase's Bountiful at the same fee.
Offer: 85,000 Marriott Bonvoy points
Annual fee$250
Chase
Marriott Bonvoy Bold® Credit Card
Open to new applicants
The no-fee Marriott card. Thin benefits, but it keeps a Bonvoy balance alive for nothing.
Offer: 45,000 Marriott Bonvoy points
Annual fee$0
Chase
Marriott Bonvoy Boundless® Credit Card
Open to new applicants
The $95 Marriott card most people end up with. The current bonus is paid in free night certificates rather than points.
Offer: 3 Free Night Awards
Annual fee$95
Chase
Marriott Bonvoy Bountiful® Credit Card
Open to new applicants
Chase's mid-tier Marriott card, and the direct counterpart to the Amex Bevy.
Offer: 85,000 Marriott Bonvoy points
Annual fee$250
American Express
Marriott Bonvoy Brilliant® American Express® Card
Open to new applicants
Platinum Elite status and a free night certificate. Whether it works depends almost entirely on what you can book with that certificate.
Offer: 100,000 Marriott Bonvoy points
Annual fee$650
Chase
World of Hyatt Business Credit Card
Open to new applicants
The business counterpart to the World of Hyatt card. We could not verify its current terms in this build.
Offer: Not verified
Annual feeNot verified
Chase
World of Hyatt Credit Card
Open to new applicants
The free night at a Category 1 to 4 hotel usually clears the fee by itself, and Hyatt award charts are still reasonable value.
Offer: Up to 60,000 bonus points
Annual fee$95
Barclays
Wyndham Rewards Earner® Card
Open to new applicants
The no-fee Wyndham card. Gold status and a two-part welcome bonus worth up to 75,000 points.
Offer: 30,000 points, plus 45,000 more after spending at Hotels by Wyndham
Annual fee$0
Barclays
Wyndham Rewards Earner® Plus Card
Open to new applicants
Diamond status in year one and a free night after five stays. Wyndham points are low-value but award nights are cheap.
Offer: 45,000 points, plus 55,000 more after spending at Hotels by Wyndham
Annual fee$95
Barclays
Wyndham Rewards Earner® Premier Card
Open to new applicants
Wyndham's new premium card. A deep credit stack and a 25% award discount, which is unusual at any fee.
Offer: Up to 120,000 points
Annual fee$395
Barclays
Wyndham Rewards® Earner℠ Business Card
Open to new applicants
The strongest Wyndham earner for business spending, with Diamond status included outright.
Offer: Up to 100,000 points, plus 55,000 more after spending at Hotels by Wyndham
Annual fee$149
Chase
IHG One Rewards Traveler Credit Card
Renamed
Now listed as the IHG One Rewards Credit Card. Same no-fee position in the family.
Offer: 125,000 IHG One Rewards points
Annual fee$0
American Express
American Express® Gold Card
Open to new applicants
A restaurant and supermarket card with a travel-points engine attached. The dining credits are narrow, so check the merchant list before you count them.
Offer: Up to 100,000 Membership Rewards points
Annual fee$325
American Express
The Platinum Card® from American Express
Open to new applicants
The most credit-heavy card on the market. It only makes sense if you will genuinely use the Resy, Uber, hotel and entertainment credits.
Offer: Up to 175,000 Membership Rewards points
Annual fee$895
Bank of America
Bank of America® Premium Rewards® credit card
Open to new applicants
The card gets considerably better if you already bank with Bank of America, because Preferred Rewards multiplies the earning rate.
Offer: 60,000 online bonus points
Annual fee$95
Bank of America
Bank of America® Travel Rewards credit card
Open to new applicants
A no-fee travel card whose appeal is almost entirely the Preferred Rewards multiplier.
Offer: 25,000 online bonus points
Annual fee$0
Capital One
Capital One Venture Rewards Credit Card
Open to new applicants
A flat 2x travel card with no categories to track. The mid-tier default for people who do not want a portal-credit routine.
Offer: 75,000 bonus miles plus a $300 Capital One Travel Stays credit
Annual fee$95
Capital One
Capital One Venture X Rewards Credit Card
Open to new applicants
The simplest premium card to justify: the travel credit and anniversary miles cover most of the fee without any monthly admin.
Offer: 75,000 bonus miles
Annual fee$395
Capital One
Capital One VentureOne Rewards Credit Card
Open to new applicants
The no-fee entry point to Capital One Miles. Lower earning, but the miles behave the same way.
Offer: 20,000 bonus miles
Annual fee$0
Chase
Chase Sapphire Preferred® Card
Open to new applicants
Still the most sensible first travel card for most people. Modest fee, real transfer partners, useful trip protections.
Offer: 75,000 Ultimate Rewards points
Annual fee$95
Chase
Chase Sapphire Reserve®
Open to new applicants
Chase's premium card, and the key to The Edit hotel program. The credits are generous but tied to Chase Travel.
Offer: 100,000 Ultimate Rewards points
Annual fee$795
Citi
Citi Strata Elite℠ Card
Open to new applicants
Citi's answer to the premium tier. Worth a look if you already live in the ThankYou ecosystem; otherwise the credits are narrow.
Offer: 75,000 ThankYou points
Annual fee$595
Citi
Citi Strata Premier® Card
Open to new applicants
A wide set of 3x categories for $95, including supermarkets and gas, which most travel cards leave out.
Offer: 60,000 ThankYou points
Annual fee$95
U.S. Bank
U.S. Bank Altitude® Connect Visa Signature® Card
Open to new applicants
U.S. Bank's mid-tier travel card and the closest open substitute for the Altitude Reserve.
Offer: 20,000 bonus points
Annual feeNot verified
U.S. Bank
U.S. Bank Altitude® Go Visa Signature® Card
Open to new applicants
A dining-led no-fee card in the U.S. Bank Altitude family.
Offer: 20,000 bonus points
Annual feeNot verified
Wells Fargo
Wells Fargo Autograph Journey® Card
Open to new applicants
A $95 travel card with strong hotel and airline multipliers and a hotel credit that is easy to trigger.
Offer: 60,000 bonus points
Annual fee$95
Wells Fargo
Wells Fargo Autograph® Card
Open to new applicants
One of the better no-fee category cards: 3x across a wide set of everyday spending, and the points can transfer.
Offer: 20,000 bonus points
Annual fee$0
American Express
American Express® Classic Green Card
Closed to new applicants
Closed to new applicants since July 2026. Still live for existing cardholders under the Classic Green name.
Offer: No public welcome offer
Annual fee$150
U.S. Bank
U.S. Bank Altitude® Reserve Visa Infinite® Card
Closed to new applicants
Closed to new applicants since November 2024. Still notable for 3x on mobile wallet spending, which nothing else matches.
Offer: No public welcome offer
Annual fee$400