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By WE LIVE IN USA · 78 US credit cards indexed

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No need to know 5/24 or dig through forums. Pick your situation and the Dex matches you instantly.

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The Dex

No.001 Elite
Chase Sapphire Preferred
Chase・Visa
🎁 60,000 points (spend $4,000 in 3 months)
Annual fee $95/yr Foreign transaction fee None
  • 3x dining & delivery
  • 2x travel (5x via Chase Travel)
  • Transfer points to 14+ airline & hotel partners
✓ Verified🔥 ~$750None FTF
Details
No.006 Elite
Ink Business Preferred
Chase・Visa
🎁 90,000 points (spend $8,000 in 3 months)
Annual fee $95/yr Foreign transaction fee None
  • 3x advertising, shipping & internet
  • Points join the UR ecosystem
  • Side-hustlers & freelancers can apply
✓ Verified🔥 ~$1100None FTF
Details
No.008 Elite
American Express Gold
Amex・Amex
🎁 60,000 MR points (spend $6,000 in 6 months)
Annual fee $325/yr Foreign transaction fee None
  • 4x dining (up to cap)
  • 4x U.S. supermarkets
  • Monthly dining & delivery credits
✓ Verified🔥 ~$700None FTFNo SSN
Details
No.009 Legendary
The Platinum Card
Amex・Amex
🎁 80,000 MR points (spend $8,000 in 6 months)
Annual fee $895/yr Foreign transaction fee None
  • 5x on flights
  • Centurion Lounge access
  • Over $1,000 in assorted annual credits
✓ Verified🔥 ~$1000None FTFNo SSN
Details
No.037 Mainstream
United Explorer
Chase・Visa
🎁 60,000 miles (illustrative)
Annual fee $150/yr Foreign transaction fee None
  • 2x United, dining & hotels
  • Free checked bag + priority boarding
  • First year fee waived (illustrative)
✓ Verified🔥 ~$700None FTF
Details
No.038 Elite
World of Hyatt
Chase・Visa
🎁 60,000 points (tiered, illustrative)
Annual fee $95/yr Foreign transaction fee None
  • Free Cat 1-4 night every year
  • 4x at Hyatt
  • Highest point value in hotels
✓ Verified🔥 ~$900None FTF
Details
No.041 Rebuild
Zolve Azpire
Zolve・Mastercard
🎁 No sign-up bonus
Annual fee No fee Foreign transaction fee None
  • No SSN & no U.S. credit history needed
  • Apply before you land in the U.S.
  • Reports to all three bureaus
✓ VerifiedNone FTFStudent OKNo SSNSecured
Details
No.047 Mainstream
JetBlue Plus Card
Barclays・Mastercard
🎁 50,000 points (spend $1,000 in 3 months)
Annual fee $99/yr Foreign transaction fee None
  • 6x points on JetBlue purchases
  • First checked bag free for you and companions
  • 5,000 anniversary bonus points and 10% points back on redemptions
✓ VerifiedNone FTF
Details
No.050 Elite
United Quest Card
Chase・Visa
🎁 70,000 miles (spend $4,000 in 3 months)
Annual fee $350/yr Foreign transaction fee None
  • $125 annual United travel credit plus rebate award flights
  • 3x miles on United purchases
  • First and second checked bags free for you and a companion
✓ Verified🔥 ~$900None FTF
Details
No.060 Mainstream
SoFi Credit Card
SoFi・Mastercard
🎁 $200 (illustrative sign-up value)
Annual fee No fee Foreign transaction fee None
  • 2% cash back when redeemed into SoFi accounts
  • No annual fee and no foreign transaction fee
  • Rewards boost within the SoFi ecosystem
✓ VerifiedNone FTF
Details
No.072 Mainstream
American Express Green Card
Amex・Amex
🎁 40,000 MR points (spend $3,000 in 6 months)
Annual fee $150/yr Foreign transaction fee None
  • 3x travel, transit & dining worldwide
  • $189 CLEAR Plus credit each year
  • No foreign transaction fee; accepts foreign credit via Nova Credit
✓ VerifiedNone FTFNo SSN
Details
No.073 Mainstream
American Express EveryDay
Amex・Amex
🎁 10,000 MR points (spend $2,000 in 6 months)
Annual fee No fee Foreign transaction fee 3%
  • 2x U.S. supermarkets (up to cap)
  • 20% bonus points when you use it 20+ times a month
  • No annual fee; accepts foreign credit via Nova Credit
✓ VerifiedNo SSN
Details
No.074 Elite
American Express Business Gold
Amex・Amex
🎁 70,000 MR points (spend $10,000 in 3 months)
Annual fee $375/yr Foreign transaction fee None
  • 4x on your top two spend categories each month (up to cap)
  • $20 monthly flexible business credits
  • No foreign transaction fee
✓ Verified🔥 ~$900None FTFNo SSN
Details
No.075 Mainstream
Citi Rewards+
Citi・Mastercard
🎁 20,000 ThankYou points (spend $1,500 in 3 months)
Annual fee No fee Foreign transaction fee 3%
  • 2x supermarkets & gas (up to cap)
  • Rounds every purchase up to the nearest 10 points
  • 10% points back on redemptions, up to 100k a year
✓ Verified
Details
No.076 Mainstream
Chase Ink Business Cash
Chase・Visa
🎁 $750 (spend $6,000 in 6 months)
Annual fee No fee Foreign transaction fee 3%
  • 5% at office supply stores, internet, cable & phone (up to cap)
  • 2% at gas stations & restaurants (up to cap)
  • No annual fee; does not count toward 5/24
✓ Verified🔥 ~$750
Details
No.077 Elite
U.S. Bank Altitude Reserve
U.S. Bank・Visa
🎁 50,000 points = $750 toward travel (spend $4,500 in 90 days)
Annual fee $400/yr Foreign transaction fee None
  • 3x on travel and mobile-wallet purchases
  • $325 annual travel & dining credit
  • Priority Pass lounge access; no foreign transaction fee
✓ Verified🔥 ~$750None FTF
Details

Curated collections

🌱 Credit Newcomer Gateway No U.S. credit history? Start here. Cards that approve you with no score and help you build fast. 15 cards → 🛂 No-SSN Newcomer Cards Just arrived, no SSN yet? These cards accept a passport or foreign credit history. 3 cards → 🎓 Student Starter Pack Your first card as a student — approvable with no credit history, no annual fee. 8 cards → 🛫 Premium Traveler's Arsenal For advanced players: lounge access, high-value points and premium travel credits. 16 cards → ✈️ Frequent Flyer Essentials Airline co-brand cards: free bags, companion fares and miles that fly you home to Asia. 11 cards → 💵 Cash-Back Maximizer No points to decode — just straightforward cash back on everyday spend. 37 cards → 🍜 Foodie's Table Big multipliers on restaurants, delivery and dining out. 14 cards → 🛒 Grocery Run Heroes Cards that turn weekly supermarket spend into serious rewards. 13 cards → 🆓 Keeper Cards, Zero Fee Cards worth holding forever — no annual fee, real long-term value. 44 cards → 🎁 Big Bonus Hunters Chasing the biggest sign-up bonuses in the market right now. 27 cards → 🏨 Hotel Free-Night Club Annual free-night certificates and elite status that pay for themselves. 7 cards →