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- 5% on travel beats its 1.5% base rate
- No annual fee
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
- 3% on travel beats its 1% base rate
- No annual fee
- No foreign transaction fees
This card is for Costco members who spend on gas, dining and travel. It earns 5% on gas at Costco and 4% on other eligible gas and EV charging on a combined $7,000 a year, then 1%, plus 3% on restaurants and eligible travel, 2% at Costco and 1% on the rest. There is no annual fee with a paid Costco membership and no foreign transaction fee. The caveat: cash back arrives once a year as a certificate you redeem at a U.S. Costco warehouse, not as money you can use anywhere.
- 5% on travel beats its 2% base rate
- No annual fee
This card is for people who want maximum cash back with zero maintenance. Every purchase earns 1% up front and another 1% as you pay, with no caps or categories. There is no annual fee, and balance transfers get 0% for 18 months. The caveat: a 3% foreign transaction fee makes it a poor travel companion abroad.
This card rewards people who will activate and chase quarterly categories. Up to $1,500 in combined purchases earns 5% each quarter you activate, with 3% on dining and drugstores year round. New cardmembers get a $200 bonus after $500 in spend and 15 months of 0% intro APR on purchases and transfers. Category caps mean the ceiling on 5% earnings is $75 per quarter.
Altitude Connect is for travelers who want real travel perks without an annual fee. You earn 5X on prepaid hotels and car rentals booked in the U.S. Bank Travel Center, 4X on travel, 4X at gas and EV charging stations on your first $1,000 each quarter, and 2X on dining, streaming and groceries. There are no foreign transaction fees. The caveat: the gas rate caps each quarter, and lounge access is limited to a small number of visits.
This card fits travelers who stay at Hilton brands a few times a year and want no annual fee. It earns 7X points at Hilton properties and 5X at U.S. restaurants, U.S. supermarkets and U.S. gas stations. Hilton Honors Silver status is included. Hilton points run lower in value than flexible currencies, so the card rewards Hilton stays more than general spending.
The Earner fits road trippers and value travelers who sleep at Days Inn, La Quinta, Super 8 and other Hotels by Wyndham. It earns 5X points at Wyndham hotels and 3X on dining, grocery stores, gas and EV charging. Gold member level comes automatically, and cardmembers redeem 10% fewer points for go free awards. There is no annual fee; the anniversary bonus of 7,500 points requires $15,000 in yearly spend.
No annual fee and no foreign transaction fee as of Sep 6, 2026. 3X points on restaurants, travel, gas and transit, streaming and phone plans, 1X on the rest, no caps. 20,000 bonus points after $1,000 in 3 months. 0% intro APR on purchases for 12 months, then 18.49%, 24.49% or 28.49% variable.
The Gold Card fits people who put most of their spending on food. It earns 4X points at restaurants worldwide on up to $50,000 per calendar year and 4X at U.S. supermarkets on up to $25,000 per calendar year. Monthly Uber, dining, Resy and Dunkin' credits can return up to $424 per year against the $325 annual fee. The credits post monthly, so they reward steady use rather than one big trip.
The starter card for United flyers. You get a free first checked bag, priority boarding, two United Club one-time passes a year and up to 60,000 bonus miles. The first year costs $0, then $150. The partner statement credits can outweigh the fee, but only if you actually use Instacart, rideshare and United's hotel portal.
This card fits travelers who want flexible points without a premium fee. It earns 5x on Chase Travel, 3x on dining, select streaming, online groceries, gas stations and EV charging, and 2x on other travel. The annual fee is $95 and there are no foreign transaction fees. The 3x everyday categories carry exclusions, including Target, Walmart and wholesale clubs for online grocery.
This card is for travelers who want one flat earning rate instead of category charts. Every purchase earns 2X miles, and Capital One Travel hotel and car bookings earn 5X. The annual fee is $95. The main caveat: top value from miles requires redeeming for travel or transferring to partners, not cash.
