Credit Compound

The Card Database

83 cards tracked · offers verified against issuer pages · histories charted

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Chase Sapphire Reserve card art

The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.

150,000 pts bonus (≈$3,075)AF: $795Rating: 9.2/10
Chase Sapphire Preferred card art

The best first travel card in the game. Full transfer partner access for $95.

75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Capital One Venture X card art

Premium travel with the easiest break-even math in the category.

75,000 pts bonus (≈$1,350)AF: $395Rating: 9.0/10
The Platinum Card from American Express card art

The lounge king. The 2025 refresh raised the fee, and doubled down on credits.

175,000 pts bonus (≈$3,500)AF: $895Rating: 8.9/10
World of Hyatt Credit Card card art

The only hotel card whose free night reliably beats the annual fee.

30,000 pts bonus (≈$510)AF: $95Rating: 8.8/10
American Express Gold Card card art

4x at restaurants and US supermarkets. The foodie default.

100,000 pts bonus (≈$2,000)AF: $325Rating: 8.8/10
Hilton Honors American Express Aspire Card card art

Instant Diamond status and a free night that beats the fee by itself.

150,000 pts bonus (≈$750)AF: $550Rating: 8.7/10
Citi Strata Premier card art

3x on five everyday categories. The broadest mid-tier earner.

75,000 pts bonus (≈$1,350)AF: $95Rating: 8.6/10
Mastercard
Bilt
Personal · No AF
Bilt MastercardBilt Rewards

The only card that earns points on rent with no fee.

Special bonusAF: $0Rating: 8.5/10
Ritz-Carlton Credit Card card art

The legacy luxury card you can only reach by product change.

Special bonusAF: $450Rating: 8.5/10
Full ReviewInvite Only
Southwest Rapid Rewards Priority Credit Card card art

The top personal Southwest card. The travel credit and anniversary points nearly erase the fee.

50,000 pts bonus (≈$675)AF: $149Rating: 8.4/10
Capital One Venture card art

2x everywhere with real transfer partners for $95.

75,000 pts bonus (≈$1,350)AF: $95Rating: 8.4/10
United Quest Card card art

The middle child of the United lineup, with enough credits to cover the fee for regular flyers.

90,000 pts bonus (≈$1,080)AF: $350Rating: 8.3/10
Wells Fargo Autograph card art

3x on travel, dining, gas, transit, streaming and phone plans. Free.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Alaska Airlines Visa Signature card art

The Companion Fare makes this one of the best airline card deals anywhere.

60,000 pts bonus (≈$870)AF: $95Rating: 8.3/10
IHG One Rewards Premier Credit Card card art

Huge headline bonuses, an anniversary night, and a fourth award night free every stay.

140,000 pts bonus (≈$840)AF: $99Rating: 8.2/10
Citi Strata Elite card art

Citi's 2025 entry into the premium wars, with weekend dining 6x.

80,000 pts bonus (≈$1,440)AF: $595Rating: 8.2/10
Citi AAdvantage Platinum Select World Elite Mastercard card art

The standard-issue American Airlines card, fee waived year one.

75,000 pts bonus (≈$1,050)AF: $99Rating: 8.2/10
United Club Card card art

A United Club membership with a card attached. The 2025 refresh raised the fee and stacked on credits.

90,000 pts bonus (≈$1,080)AF: $695Rating: 8.1/10
Hilton Honors American Express Surpass Card card art

Gold status, quarterly Hilton credits, and a free night at $15k.

130,000 pts bonus (≈$650)AF: $150Rating: 8.1/10
Wyndham Rewards Earner Plus Card card art

6x on gas and a status ladder into the Caesars ecosystem.

45,000 pts bonus (≈$450)AF: $75Rating: 8.1/10
United Explorer Card card art

Free bags, expanded award space, and two lounge passes a year.

60,000 pts bonus (≈$720)AF: $150Rating: 8.0/10
Aeroplan Credit Card card art

The only US card that earns one of the best Star Alliance currencies directly.

70,000 pts bonus (≈$980)AF: $95Rating: 8.0/10
Delta SkyMiles Platinum Amex card art

Companion certificate plus an MQD headstart for the Delta loyal.

100,000 pts bonus (≈$1,150)AF: $350Rating: 8.0/10
Marriott Bonvoy Brilliant American Express Card card art

Platinum Elite status and an 85k free night for serious Marriott stayers.

95,000 pts bonus (≈$760)AF: $650Rating: 8.0/10
AAdvantage Aviator Red World Elite Mastercard card art

A full airline bonus for a single purchase of any amount.

60,000 pts bonus (≈$840)AF: $99Rating: 8.0/10
Citi AAdvantage Executive World Elite Mastercard card art

Admirals Club membership with a credit card attached.

70,000 pts bonus (≈$980)AF: $595Rating: 8.0/10
Wells Fargo Autograph Journey card art

The card that turned Wells Fargo points into a transferable currency.

60,000 pts bonus (≈$900)AF: $95Rating: 8.0/10
Marriott Bonvoy Boundless card art

An annual 35k free night certificate for a $95 fee.

125,000 pts bonus (≈$1,000)AF: $95Rating: 7.9/10
Delta SkyMiles Reserve Amex card art

Sky Club access and a first class companion certificate.

125,000 pts bonus (≈$1,438)AF: $650Rating: 7.9/10
Bank of America Premium Rewards card art

With Preferred Rewards Platinum Honors, this becomes a 2.62% everything card.

60,000 pts bonus (≈$600)AF: $95Rating: 7.9/10
JetBlue Plus Card card art

The keeper card for anyone who flies JetBlue twice a year.

60,000 pts bonus (≈$780)AF: $99Rating: 7.9/10
Southwest Rapid Rewards Plus Credit Card card art

The cheapest door into Southwest points and the Companion Pass.

50,000 pts bonus (≈$675)AF: $69Rating: 7.8/10
Southwest Rapid Rewards Premier card art

The middle child of the Southwest lineup, and often the right pick.

50,000 pts bonus (≈$675)AF: $99Rating: 7.8/10
Delta SkyMiles Gold Amex card art
Delta SkyMiles Gold AmexAmerican Express

Free bags and a $200 flight credit at $10k spend.

90,000 pts bonus (≈$1,035)AF: $150Rating: 7.6/10
US Bank Altitude Connect card art

4x on travel and gas with no annual fee.

20,000 pts bonus (≈$200)AF: $0Rating: 7.6/10
Hilton Honors American Express Card card art

Free hotel status and big point hauls for no fee.

80,000 pts bonus (≈$400)AF: $0Rating: 7.5/10
The Centurion Card from American Express card art

The Black Card. You do not apply. Amex calls you.

Special bonusAF: $5000Rating: 7.5/10
Full ReviewInvite Only
Bank of America Travel Rewards card art

1.5x everywhere, no fee, no FTF, and erase any travel purchase.

25,000 pts bonus (≈$250)AF: $0Rating: 7.5/10
American Express Green Card card art

3x on travel, transit, and dining. The forgotten middle child that earns broadly.

40,000 pts bonus (≈$800)AF: $150Rating: 7.4/10
Discover it Miles card art

1.5x everywhere, doubled to 3x for your entire first year.

Special bonusAF: $0Rating: 7.4/10
Visa
JPMR
Personal · $795 AF

A palladium-faced Sapphire Reserve for J.P. Morgan Private Bank clients. Same benefits, heavier metal.

Special bonusAF: $795Rating: 7.0/10
Full ReviewInvite Only
United Gateway Card card art

United miles with no annual fee and no FTF.

20,000 pts bonus (≈$240)AF: $0Rating: 6.9/10
Delta SkyMiles Blue American Express card art

The free entry point to the Delta ecosystem.

10,000 pts bonus (≈$115)AF: $0Rating: 6.8/10