Why this card

1. 1.10x on Hotels & Lodging booked through the required portal — points worth 1.6¢ each ($369.60/yr on $6,000 spend)
2. 2.Lost or Damaged Luggage Insurance; Annual Hotel Savings Benefit (up to $100/yr); MasterRental Coverage (Car Rental Insurance); Trip Cancellation and Interruption Insurance; Trip Delay Protection — not counted in estimated value or ranking; eligible use has not been established

Why this card

1. 1.10x on Hotels & Lodging booked through the required portal — points worth 1.3¢ each ($373.62/yr on $6,000 spend)
2. 2.Lifestyle Collection; Capital One Lounge Access; Global Entry or TSA PreCheck Credit (up to $120/4yr); Priority Pass Lounge Access; Primary Auto Rental Collision Damage Waiver; $300 Annual Capital One Travel Credit (up to $300/yr) — not counted in estimated value or ranking; eligible use has not been established
3. 3.Up to 1.4¢/pt via British Airways Club

Why this card

1. 1.5x on Hotels & Lodging booked direct — points worth 1.4¢ each ($220.11/yr on $6,000 spend)
2. 2.$50 annual statement credit (up to $50/yr); Travel and Emergency Services Assistance; Auto Rental Collision Damage Waiver — not counted in estimated value or ranking; eligible use has not been established
3. 3.Up to 1.6¢/pt via Choice Privileges

Why this card

1. 1.2x on Travel — points worth 2.0¢ each ($240/yr on $6,000 spend)
2. 2.$400 Bilt Travel Hotel credit (up to $400); MasterRental Coverage; Priority Pass Airport Lounge Access — not counted in estimated value or ranking; eligible use has not been established

Annual fee $495. Other listed credits: $200 of Bilt Cash (up to $200/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.

Why this card

1. 1.5x on Hotels & Lodging booked through the required portal — points worth 1.3¢ each ($219.18/yr on $6,000 spend)
2. 2.Capital One Lounge Discounted Access; Emergency Card Replacement & Cash Advance; Global Entry or TSA PreCheck Credit (up to $120/4yr); Hertz Five Star Status; Capital One Travel Price Protection; Auto Rental Collision Damage Waiver; Travel Accident Insurance; 24-Hour Travel Assistance Services — not counted in estimated value or ranking; eligible use has not been established
3. 3.Up to 1.4¢/pt via British Airways Club

Why this card

1. 1.4x on Flights booked direct — points worth 1.8¢ each ($271.30/yr on $6,000 spend)
2. 2.Annual Travel Credit (up to $300/yr); The Edit by Chase Travel Hotel Credit (up to $500/yr); Air Canada Maple Leaf Lounge Access; Global Entry or TSA PreCheck Credit (up to $120/4yr); Lyft Monthly Credit (up to $10/mo); Primary Rental Car Insurance; Priority Pass Select Membership; Roadside Assistance; Chase Sapphire Lounge by The Club; Travel Accident Insurance; Travel and Emergency Assistance Services; Reserve Travel Designer — not counted in estimated value or ranking; eligible use has not been established
3. 3.One-time benefit — Select Hotels Credit (2026)

Annual fee $795. Other listed credits: Exclusive Tables Dining Credit (up to $300/yr); StubHub & viagogo Credit (up to $300/yr); Apple TV and Apple Music Subscriptions (up to $27/mo); DoorDash DashPass & Credits (up to $35/mo); Peloton Credits & Bonus Points (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.

Why this card

1. 1.5x on Hotels & Lodging booked through the required portal — points worth 1.6¢ each ($222.72/yr on $6,000 spend)
2. 2.Citi Travel® — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

1. 1.5x on Hotels & Lodging booked through the required portal — points worth 1.5¢ each ($192.60/yr on $6,000 spend)
2. 2.Global Assist Hotline; The Hotel Collection; Car Rental Loss and Damage Insurance; $120 Uber Cash (up to $10/mo) — not counted in estimated value or ranking; eligible use has not been established

Annual fee $325. Other listed credits: $120 Dining Credit (up to $10/mo); $84 Dunkin' Credit (up to $7/mo); $100 Resy Credit (up to $50/6mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.

Why this card

1. 1.
   12x on Hotels & Lodging booked through the required portal — points worth 1.0¢ each ($238.20/yr on $6,000 spend).Details

   Eligible car rentals must be booked through aadvantagecars.com. Eligible hotels must be booked through aadvantagehotels.com.

2. 2.Up to $500 Back on American Airlines Vacations Purchases (up to $500/yr); Admirals Club Membership; Worldwide Car Rental Insurance; First Checked Bag Free; Global Entry or TSA PreCheck Credit (up to $120/4yr); Up to $100 Back on Inflight and Eligible Admirals Club Purchases (up to $100/yr); Up to $180 in Lyft Credits (up to $180/yr); Up to $120 Back on Eligible Avis® and Budget car rentals (up to $120) — not counted in estimated value or ranking; eligible use has not been established

Why this card

1. 1.Global Entry or TSA PreCheck application fee credit (up to $100/4yr); Auto Rental Collision Damage Waiver; Visa Signature Travel & Emergency Assistance — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

1. 1.5x on Hotels & Lodging booked through the required portal — points worth 1.3¢ each ($176.48/yr on $6,000 spend)
2. 2.Up to 1.4¢/pt via British Airways Club

No annual fee

Why this card

1. 1.5x on Hotels & Lodging booked through the required portal — points worth 1.0¢ each ($124.80/yr on $6,000 spend)
2. 2.TSA PreCheck or Global Entry Credit (up to $100/4yr); GigSky Mobile Data (Visa Signature); Visa Signature Travel & Emergency Assistance — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

No annual fee

Why this card

1. 1.5x on Flights booked direct — points worth 0.6¢ each ($129.60/yr on $6,000 spend)
2. 2.$100 Airline Statement Credit (up to $100/yr; requires $250 eligible spend within 12 months); Baggage Delay Insurance; Up to $100 Annual IHG Food and Beverage Rewards (up to $25/qtr); Global Entry, TSA PreCheck or NEXUS Statement Credit (up to $120/4yr); Trip Cancellation and Interruption Insurance; Up to $50 United TravelBank Cash Each Year (up to $25/6mo) — not counted in estimated value or ranking; eligible use has not been established

Why this card

1. 1.Auto Rental Collision Damage Waiver; Common Carrier Travel Accident Insurance — not counted in estimated value or ranking; eligible use has not been established

Why this card

1. 1.MasterRental Coverage — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

1. 1.Mastercard Travel & Lifestyle Services — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

No annual fee

Why this card

1. 1.Visa Signature Travel & Emergency Assistance; Auto Rental Collision Damage Waiver; Emergency Cash and Card Replacement; Roadside Dispatch — not counted in estimated value or ranking; eligible use has not been established
2. 2.Up to 1.6¢/pt via Choice Privileges

No annual fee

Why this card

1. 1.
   3% cash back on Travel booked through the required portal ($118.92/yr on $6,000 spend).Details

   Must book through the SoFi Travel portal (operated by Expedia)

2. 2.Lyft Credits — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

1. 1.5% cash back on Hotels & Lodging booked through the required portal ($168.60/yr on $6,000 spend)

No annual fee

Why this card

1. 1.3x on Transit & Rideshare — points worth 1.4¢ each ($123.54/yr on $6,000 spend)
2. 2.Roadside Dispatch; Travel and Emergency Assistance Services; Visa Signature Luxury Hotel Collection — not counted in estimated value or ranking; eligible use has not been established
3. 3.Up to 1.6¢/pt via Choice Privileges

No annual fee

Why this card

1. 1.2x on Travel — points worth 2.0¢ each ($130.80/yr on $6,000 spend)
2. 2.$100 of Bilt Travel Hotel credit (up to $100); MasterRental Coverage — not counted in estimated value or ranking; eligible use has not been established

Why this card

1. 1.5% cash back on Hotels & Lodging booked through the required portal ($124.80/yr on $6,000 spend)

Why this card

1. 1.Citigold® Private Client Relationship Credit: Requires a qualifying Citigold Private Client banking relationship; eligibility has not been established and this credit is not counted.
2. 2.American Airlines Admirals Club® Lounge Access Passes; Citi Travel®; MasterRental Coverage; Priority Pass™ Select membership; Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit (up to $120/4yr); Up to $300 Annual Hotel Benefit (up to $300/yr) — not counted in estimated value or ranking; eligible use has not been established

Annual fee $595. Other listed credits: Up to $200 Annual Blacklane® Credit (up to $200/yr); Up to $200 Annual Splurge Credit℠ (up to $200/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.

Why this card

1. 1.Visa Signature Travel & Emergency Assistance — not counted in estimated value or ranking; eligible use has not been established

No annual fee

Why this card

1. 1.
   Smartly Earning Bonus requires a U.S.Details

   Bank Smartly Savings account plus a qualifying balance in U.S. Bank Smartly Checking and/or Safe Debit account(s) Total 2.5% with qualifying balance of $10,000-$49,999.99 Total 3% with qualifying balance of $50,000-$99,999.99 Total 4% with qualifying balance of $100,000 or more Bonus applies to first $10,000 in eligible Net Purchases each billing cycle; spend above the cap earns the 2% base

No annual fee

Why this card

1. 1.3% cash back on Flights ($117.60/yr on $6,000 spend)

No annual fee

Why this card

1. 1.3x on Travel booked through the required portal — points worth 1.0¢ each ($91.62/yr on $6,000 spend)

No annual fee