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Altitude Go is for people whose biggest everyday category is food. You earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter, and 2X at grocery stores, gas and EV charging stations, and on streaming. There is no annual fee. The caveat: the 4X rate is now capped each quarter, then dining earns 1X.
The Cash+ card is for people who want high cash back and will manage category choices each quarter. You earn 5% on your first $2,000 in combined eligible purchases in two categories you choose, 2% on one everyday category, and 1% on everything else. There is no annual fee. The caveat: the 5% rate stops at the quarterly cap, and you must select categories each quarter.
This card is for renters and homeowners who want their biggest monthly bill to earn rewards. Housing payments earn up to 1.25 points per $1 with no transaction fee, and on-time rent payments are reported to credit bureaus free. Dining at Bilt partner restaurants earns up to 4x, and Bilt Travel Portal hotels and flights up to 3x. The caveat: outside partners and housing, everyday spend earns 1 point per $1.
This card is for travelers who book flights and hotels directly instead of through an issuer portal. Hotels earn 5 points per $1 and airlines 4 points per $1 wherever you book them. The $50 annual airline statement credit cuts the effective fee to $45. Points transfer to airline and hotel partners. The caveat: everyday non-travel, non-dining spend earns just 1 point per $1.
This card fits travelers who want points without tracking categories or paying a fee. Every purchase earns unlimited 1.5 points per $1, and travel booked through the Bank of America Travel Center earns 3 points per $1. There is no annual fee and no foreign transaction fee. The trade-off is a flat rate: heavy spenders in dining or travel can earn faster elsewhere.
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 is for people who want travel miles without paying an annual fee. Every purchase earns 1.25X miles, and Capital One Travel hotel and car bookings earn 5X. A 0% intro APR covers purchases and balance transfers for 15 months. The caveat: the earning rate trails the Venture's 2X, so heavy spenders leave value on the table.
This card is for people who fly Delta a few times a year and check a bag. It earns 2X miles on Delta purchases, at restaurants and at U.S. supermarkets, and 1X elsewhere. The annual fee is $0 for the first year, then $150. The caveat: the $120 rideshare credit only starts after your first renewal, and the $200 flight credit needs $10,000 of spend in a calendar year.
This card is for regular Delta flyers who want a path to Medallion status and a second ticket each year. It earns 3X miles on Delta purchases and at hotels, 2X at restaurants and U.S. supermarkets, and 1X elsewhere. The annual fee is $350. The caveat: the companion certificate arrives after your first renewal, and it covers Main Cabin only, with taxes and fees paid by you.
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 lowest-cost door into Southwest's ecosystem. The 50,000-point welcome offer needs only $1,000 of spending in 3 months, and 3,000 anniversary points offset a third of the $99 fee at typical values. Earning beyond Southwest purchases is thin, so the card is more about the perks and the Companion Pass boost than everyday rewards.
This card is for people who fly American a few times a year. It earns 2X miles on American Airlines purchases, restaurants and gas stations, and the free first checked bag can pay for the card in two round trips. The annual fee is $0 the first year, then $99. The caveat: outside its bonus categories it earns 1X, so it works best paired with an everyday card.
