Credit Compound

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TypeAllPersonalBusiness
IssuerAllChaseAmerican ExpressCapital OneCitiWells FargoBilt RewardsDiscoverBank of AmericaU.S. BankBarclaysGoldman SachsFidelityOpenSky
FocusAllTravelPremiumCash BackDiningGroceryBusinessNo Annual FeeAirlineHotelFlat RateRotating 5%StarterRentBlack CardsSecured
SortTop RatedBiggest BonusFee: LowHighFee: HighLow
The Platinum Card from American Express card art
The Platinum Card from American ExpressAmerican Express

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
Full ReviewView Offer
American Express Gold Card card art
American Express Gold CardAmerican Express

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

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

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

150,000 pts bonus (≈$750)AF: $550Rating: 8.7/10
Full ReviewView Offer
Blue Cash Preferred card art
Blue Cash PreferredAmerican Express

6% at US supermarkets. The family grocery card.

$250 bonus (≈$250)AF: $95Rating: 8.3/10
Full ReviewView Offer
Hilton Honors American Express Surpass Card card art
Hilton Honors American Express Surpass CardAmerican Express

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

130,000 pts bonus (≈$650)AF: $150Rating: 8.1/10
Full ReviewView Offer
Delta SkyMiles Platinum Amex card art
Delta SkyMiles Platinum AmexAmerican Express

Companion certificate plus an MQD headstart for the Delta loyal.

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

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

95,000 pts bonus (≈$760)AF: $650Rating: 8.0/10
Full ReviewView Offer
Delta SkyMiles Reserve Amex card art
Delta SkyMiles Reserve AmexAmerican Express

Sky Club access and a first class companion certificate.

125,000 pts bonus (≈$1,438)AF: $650Rating: 7.9/10
Full ReviewView Offer
Blue Cash Everyday Card card art
Blue Cash Everyday CardAmerican Express

3% groceries, gas, and online retail with no fee.

$200 bonus (≈$200)AF: $0Rating: 7.8/10
Full ReviewView Offer
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
Full ReviewView Offer
Hilton Honors American Express Card card art
Hilton Honors American Express CardAmerican Express

Free hotel status and big point hauls for no fee.

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

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

Special bonusAF: $5000Rating: 7.5/10
Full ReviewInvite Only
American Express Green Card card art
American Express Green CardAmerican Express

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

40,000 pts bonus (≈$800)AF: $150Rating: 7.4/10
Full ReviewView Offer
Delta SkyMiles Blue American Express card art
Delta SkyMiles Blue American ExpressAmerican Express

The free entry point to the Delta ecosystem.

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