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- 7% on travel beats its 3% base rate
- No annual fee
- Earns in Hilton Honors
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.
- 5% on travel beats its 1% base rate
- No annual fee
- Earns in Wyndham Rewards
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.
- 9% on travel beats its 3% base rate
- Annual fee waived the first year
- Earns in United MileagePlus
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.
The Boundless suits travelers who stay at Marriott brands several times a year. It earns 6X points per $1 at over 7,000 Bonvoy hotels, 3X on the first $6,000 in combined grocery, gas and dining purchases annually, and 2X elsewhere. The $95 fee is answered by an annual free night worth up to 35,000 points, which you can top up with points. 15 elite night credits each year put Silver Elite in hand and Gold within reach.
The Earner Plus rewards travelers who keep coming back to Wyndham brands. It earns 6X points at Hotels by Wyndham and 4X on travel, dining and grocery purchases. New cardmembers hold Diamond member level for the first year, then Platinum. The 15,000-point anniversary bonus on its own covers a typical go free award night, which answers the $95 fee for anyone who stays at Wyndham at least once a year.
For owners whose teams sleep at Marriott brands. The annual Free Night Award alone can outweigh the $125 fee, and a 7% discount applies on eligible bookings made directly with Marriott. Gold Elite status and 15 Elite Night Credits come with the card. Earning outside the 6X and 4X categories drops to 2X, and points stay inside Marriott Bonvoy.
United's small business workhorse. You earn 2x miles on the categories businesses actually spend in, get a free first checked bag and two United Club passes a year, and can bank up to 110,000 bonus miles plus 2,000 PQP up front. The fee is $150. Holding a personal United card adds a 5,000-mile anniversary bonus.
For Marriott regulars who also spend on dining and groceries. Gold Elite status and 15 Elite Night Credits come with the card, and each paid, eligible stay adds 1,000 bonus points. There is no automatic Free Night Award: one unlocks only after $15,000 in eligible purchases in a calendar year, so the $250 fee demands real use.
This card is for business owners who fly Delta regularly and want status help without the Reserve price. It earns 3X miles on Delta purchases and at hotels, 1.5X on transit, U.S. shipping and single purchases of $5,000 or more (up to $100,000 combined per year), and 1X elsewhere. The annual fee is $350. The caveat: no lounge access, and the companion certificate is Main Cabin only and arrives after your first renewal.
For travelers who stay at Hilton brands often enough to use the credits. Diamond status, Hilton's highest published tier, comes with the card. Earning runs 14X at Hilton, 7X on eligible flights, select car rentals and U.S. restaurants. The $550 annual fee only makes sense if the resort credits, flight credits and the annual Free Night Reward get used.
For frequent Marriott guests who want automatic Platinum Elite treatment on every stay. Up to $300 in dining credits, issued monthly, and the annual Free Night Award can offset most of the $650 fee. Earning tops out at 6X at Marriott hotels. The current welcome offer is limited time and ends September 30, 2026.
The business twin of the United Club card. The $695 fee buys United Club membership for you and a guest, first and second checked bags free, Premier Access handling and 1.5x miles on all non-bonus spending. Chase counts over $925 in yearly partner credits against the fee. It only makes sense for owners who fly United often and use lounges routinely.
