ChaseMainstream
•••• •••• •••• 7291
Chase Freedom UnlimitedVISA
ChaseMainstream
•••• •••• •••• 7291
Chase Freedom UnlimitedVISA
ChaseMainstream
•••• •••• •••• 7276
Chase Freedom FlexMastercard
AmexMainstream
•••• •••• •••• 6087
Blue Cash EverydayAMEX
Capital OneElite
•••• •••• •••• 9974
Capital One VentureVISA
Column N.A.Elite
•••• •••• •••• 8456
Bilt Blue CardMastercard
AmexElite
•••• •••• •••• 9082
Delta SkyMiles Reserve American ExpressAMEX
AmexElite
•••• •••• •••• 7595
American Express Business GoldAMEX
ChaseElite
•••• •••• •••• 7715
Chase Sapphire PreferredVISA
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
ChaseLegendary
•••• •••• •••• 7717
Chase Sapphire ReserveVISA
60,000 points (spend $4,000 in 3 months)
Annual fee $795/yr
Foreign transaction fee None
- $300 annual travel credit
- 3x travel & dining
- Priority Pass airport lounges
✓ Verified🔥 ~$900None FTF
ChaseStarter
•••• •••• •••• 7288
Chase Freedom RiseVISA
$25 bonus (set up autopay)
Annual fee No fee
Foreign transaction fee 3%
- 1.5% on all purchases
- Friendly to credit newcomers
- Easier approval with a Chase account
✓ VerifiedStudent OK
ChaseElite
•••• •••• •••• 7385
Ink Business PreferredVISA
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
ChaseMainstream
•••• •••• •••• 7390
Ink Business UnlimitedVISA
$750 (spend $6,000 in 3 months)
Annual fee No fee
Foreign transaction fee 3%
- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
✓ Verified🔥 ~$750
AmexElite
•••• •••• •••• 3302
American Express GoldAMEX
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 OK
AmexLegendary
•••• •••• •••• 8121
The Platinum CardAMEX
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 OK
AmexMainstream
•••• •••• •••• 6098
Blue Cash PreferredAMEX
$250 (spend $3,000 in 6 months)
Annual fee $95/yr
Foreign transaction fee 3%
- 6% U.S. supermarkets (up to cap)
- 6% select streaming
- 3% gas & transit
✓ VerifiedNo SSN OK
AmexMainstream
•••• •••• •••• 6065
Blue Business PlusAMEX
15,000 MR points (illustrative)
Annual fee No fee
Foreign transaction fee 3%
- 2x MR on all purchases (up to cap)
- No annual fee
- Keeps MR points from expiring
✓ VerifiedNo SSN OK
AmexMainstream
•••• •••• •••• 5709
Delta SkyMiles GoldAMEX
50,000 miles (illustrative)
Annual fee $150/yr
Foreign transaction fee None
- 2x Delta, dining & supermarkets
- Free checked bag
- First year annual fee waived (illustrative)
✓ VerifiedNone FTFNo SSN OK
AmexStarter
•••• •••• •••• 9835
Hilton Honors CardAMEX
70,000 Hilton points (illustrative)
Annual fee No fee
Foreign transaction fee None
- 7x Hilton spend
- 5x supermarkets, gas & dining
- No annual fee + Silver status
✓ VerifiedNone FTFNo SSN OK
CitiMainstream
•••• •••• •••• 3309
Citi Double CashMastercard
$200 (spend $1,500 in 6 months)
Annual fee No fee
Foreign transaction fee 3%
- 2% on everything (1% + 1%)
- No annual fee
- Convertible to ThankYou points
✓ Verified
CitiMainstream
•••• •••• •••• 3276
Citi Custom CashMastercard
$200 (spend $1,500 in 6 months)
Annual fee No fee
Foreign transaction fee 3%
- Automatic 5% on your top category ($500 cap)
- No annual fee
- Auto-detects: nothing to activate
✓ Verified
CitiElite
•••• •••• •••• 2317
Citi Strata PremierMastercard
70,000 ThankYou points (illustrative)
Annual fee $95/yr
Foreign transaction fee None
- 3x dining, supermarkets, gas, air & hotels
- Transfer to airline partners
- Unusually wide 3x coverage
✓ Verified🔥 ~$700None FTF
Capital OneLegendary
•••• •••• •••• 7118
Capital One Venture XVISA
75,000 miles (spend $4,000 in 3 months)
Annual fee $395/yr
Foreign transaction fee None
- $300 annual travel credit
- 10,000 anniversary miles
- Free authorized users + lounge access
✓ Verified🔥 ~$750None FTF
Capital OneMainstream
•••• •••• •••• 3312
Capital One SavorMastercard
$200 (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 3% dining, entertainment & grocery
- 3% streaming
- No annual fee, no FTF
✓ VerifiedNone FTFStudent OK
Capital OneMainstream
•••• •••• •••• 3751
Capital One QuicksilverMastercard
$200 (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 1.5% on all purchases
- No annual fee, no FTF
- Approachable for fair credit
✓ VerifiedNone FTFStudent OK
Capital OneStarter
•••• •••• •••• 2347
Capital One PlatinumMastercard
No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- No rewards: pure credit building
- Credit-line review after 6 months
- No annual fee
✓ VerifiedNone FTF
Capital OneRebuild
•••• •••• •••• 7821
Quicksilver SecuredMastercard
No bonus (deposit from $200)
Annual fee No fee
Foreign transaction fee None
- 1.5% rewards even on a secured card
- Upgrade path to refund the deposit
- No annual fee
✓ VerifiedNone FTFSecured
DiscoverMainstream
•••• •••• •••• 6713
Discover it Cash BackDiscover
First-year Cashback Match (doubles all rewards)
Annual fee No fee
Foreign transaction fee None
- 5% rotating quarterly categories
- All year-one rewards doubled
- No annual fee, no FTF
✓ VerifiedNone FTF
DiscoverStarter
•••• •••• •••• 3059
Discover it StudentDiscover
First-year Cashback Match
Annual fee No fee
Foreign transaction fee None
- No credit history required for students
- 5% rotating categories
- No annual fee
✓ VerifiedNone FTFStudent OK
DiscoverRebuild
•••• •••• •••• 2359
Discover it SecuredDiscover
First-year Cashback Match (deposit from $200)
Annual fee No fee
Foreign transaction fee None
- 2% gas & dining
- Automatic deposit-refund review after 7 months
- No annual fee
✓ VerifiedNone FTFSecured
Bank of AmericaMainstream
•••• •••• •••• 5493
BofA Customized CashVISA
$200 (spend $1,000 in 90 days)
Annual fee No fee
Foreign transaction fee 3%
- 3% in a category you choose
- 2% grocery
- Up to 75% boost with BofA assets
✓ Verified
Bank of AmericaMainstream
•••• •••• •••• 5937
BofA Premium RewardsVISA
60,000 points = $600 (illustrative)
Annual fee $95/yr
Foreign transaction fee None
- 2x travel & dining
- Up to 2.625% on everything with assets
- $100 airline incidental credit
✓ VerifiedNone FTF
Wells FargoMainstream
•••• •••• •••• 8142
Wells Fargo Active CashVISA
$200 (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee 3%
- 2% on all purchases
- No annual fee
- Lowest bonus spend threshold
✓ Verified
Wells FargoMainstream
•••• •••• •••• 1869
Wells Fargo AutographVISA
20,000 points (illustrative)
Annual fee No fee
Foreign transaction fee None
- 3x dining, travel, gas & streaming
- No annual fee, no FTF
- One of the widest 3x sets
✓ VerifiedNone FTF
U.S. BankMainstream
•••• •••• •••• 3874
U.S. Bank Cash+VISA
$200 (spend $1,000 in 90 days)
Annual fee No fee
Foreign transaction fee 3%
- Two 5% categories you choose (up to cap)
- 5% on utilities & internet
- No annual fee
✓ Verified
U.S. BankMainstream
•••• •••• •••• 7751
U.S. Bank Altitude GoVISA
20,000 points = $200 (illustrative)
Annual fee No fee
Foreign transaction fee 3%
- 4x dining
- 2x grocery, gas & streaming
- No annual fee, no FTF
✓ Verified
Goldman SachsStarter
•••• •••• •••• 2465
Apple CardMastercard
No fixed sign-up bonus
Annual fee No fee
Foreign transaction fee None
- 2% via Apple Pay
- 3% on Apple products
- Best-in-class app experience
✓ VerifiedNone FTF
ChaseMainstream
•••• •••• •••• 7400
Prime VisaVISA
$100–200 Amazon gift card on approval
Annual fee No fee
Foreign transaction fee None
- 5% Amazon & Whole Foods
- 2x dining & gas
- No annual fee (Prime required)
✓ VerifiedNone FTF
CitiMainstream
•••• •••• •••• 2856
Costco Anywhere VisaVISA
No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- 4% gas
- 3% dining & travel
- 2% at Costco (membership required)
✓ VerifiedNone FTF
ChaseMainstream
•••• •••• •••• 7398
United ExplorerVISA
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
ChaseElite
•••• •••• •••• 1967
World of HyattVISA
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
ChaseMainstream
•••• •••• •••• 6799
Marriott Bonvoy BoundlessVISA
3 free-night awards (illustrative)
Annual fee $95/yr
Foreign transaction fee None
- 35k free-night award each year
- 6x at Marriott
- Automatic Silver status
✓ VerifiedNone FTF
Bank of AmericaMainstream
•••• •••• •••• 2602
Alaska Airlines VisaVISA
50,000 miles + companion fare (illustrative)
Annual fee $95/yr
Foreign transaction fee None
- Companion fare from $99 each year
- 3x on Alaska
- Miles fly oneworld partners
✓ Verified🔥 ~$800None FTF
ZolveRebuild
•••• •••• •••• 4205
Zolve AzpireMastercard
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 SSN OKSecured
FirstcardRebuild
•••• •••• •••• 9207
Firstcard SecuredMastercard
No sign-up bonus
Annual fee $48/yr
Foreign transaction fee 3%
- Apply with a passport, no SSN
- No credit history needed for students
- Reports to bureaus to build score
✓ VerifiedStudent OKNo SSN OKSecured
CitiStarter
•••• •••• •••• 8898
American Airlines AAdvantage MileUpMastercard
10,000 miles + $50 statement credit (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee 3%
- 2x miles at grocery stores
- 2x miles on eligible American Airlines purchases
- 25% off in-flight food & beverage
✓ Verified
CitiMainstream
•••• •••• •••• 6226
Citi / AAdvantage Platinum SelectMastercard
50,000 miles (spend $2,500 in 3 months)
Annual fee $99/yr
Foreign transaction fee None
- 2x miles on American Airlines, gas & dining
- First checked bag free on domestic itineraries
- Preferred boarding and a $125 flight discount after $20k spend
✓ Verified🔥 ~$750None FTF
ChaseMainstream
•••• •••• •••• 4587
Southwest Rapid Rewards PlusVISA
50,000 points (spend $1,000 in 3 months)
Annual fee $99/yr
Foreign transaction fee None
- 2x points on Southwest purchases
- 3,000 anniversary bonus points each year
- Points count toward Companion Pass
✓ Verified🔥 ~$700None FTF
ChaseMainstream
•••• •••• •••• 5865
Southwest Rapid Rewards PriorityVISA
50,000 points (spend $1,000 in 3 months)
Annual fee $229/yr
Foreign transaction fee None
- $75 annual Southwest travel credit
- 7,500 anniversary bonus points
- Four upgraded boardings per year
✓ Verified🔥 ~$700None FTF
BarclaysMainstream
•••• •••• •••• 8067
JetBlue Plus CardMastercard
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
AmexMainstream
•••• •••• •••• 9911
Delta SkyMiles Platinum American ExpressAMEX
60,000 miles (spend $3,000 in 6 months)
Annual fee $350/yr
Foreign transaction fee None
- Annual Companion Certificate for a domestic round-trip
- 3x miles on Delta and hotels
- First checked bag free plus Main Cabin 1 priority boarding
✓ Verified🔥 ~$900None FTFNo SSN OK
ChaseElite
•••• •••• •••• 2367
United Quest CardVISA
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
ChaseMainstream
•••• •••• •••• 8088
IHG One Rewards PremierMastercard
140,000 points (spend $3,000 in 3 months)
Annual fee $99/yr
Foreign transaction fee None
- Anniversary free night at IHG hotels
- Automatic Platinum Elite status
- Fourth reward night free on award stays
✓ Verified🔥 ~$800None FTF
AmexMainstream
•••• •••• •••• 7699
Hilton Honors American Express SurpassAMEX
130,000 points (spend $3,000 in 6 months)
Annual fee $150/yr
Foreign transaction fee None
- Complimentary Hilton Honors Gold status
- 12x points at Hilton properties
- Free night reward after $15,000 in annual spend
✓ Verified🔥 ~$800None FTFNo SSN OK
AmexMainstream
•••• •••• •••• 8308
Marriott Bonvoy Bevy American ExpressAMEX
85,000 points (spend $5,000 in 6 months)
Annual fee $250/yr
Foreign transaction fee None
- 6x points at Marriott Bonvoy hotels
- 4x at restaurants and U.S. supermarkets
- Complimentary Gold Elite status and 1,000 bonus points per stay
✓ Verified🔥 ~$900None FTFNo SSN OK
BarclaysStarter
•••• •••• •••• 3624
Wyndham Rewards Earner PlusVISA
45,000 points (spend $1,000 in 3 months)
Annual fee $95/yr
Foreign transaction fee None
- 6x points at Wyndham hotels and on gas
- 4x on dining and groceries
- 7,500 anniversary bonus points and automatic Platinum status
✓ VerifiedNone FTF
DeserveStarter
•••• •••• •••• 3360
Deserve EDU Mastercard for StudentsMastercard
No sign-up bonus (1% cash back on all purchases)
Annual fee No fee
Foreign transaction fee None
- International students can apply with no SSN
- 1% cash back on everything
- One year of free Amazon Prime Student (illustrative)
✓ VerifiedNone FTFStudent OKNo SSN OK
WebBankMainstream
•••• •••• •••• 5941
Petal 2 Cash Back No Fees VisaVISA
Up to 1.5% cash back after on-time payments (illustrative)
Annual fee No fee
Foreign transaction fee None
- Approvable with no credit history via cash-flow underwriting
- 1% to 1.5% cash back on purchases
- No annual fee and no fees of any kind
✓ VerifiedNone FTF
Stride BankRebuild
•••• •••• •••• 3899
Chime Credit Builder VisaVISA
No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- No credit check and no annual fee
- No preset minimum security deposit
- Reports to all three credit bureaus
✓ VerifiedNone FTFSecured
Lead BankRebuild
•••• •••• •••• 3015
Self Visa Credit CardVISA
No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- Secured by a Self savings-builder account
- No hard credit check to apply
- Reports to all three bureaus
✓ VerifiedNone FTFSecured
Capital OneStarter
•••• •••• •••• 5773
Capital One Quicksilver StudentMastercard
$50 (spend $100 in 3 months, illustrative)
Annual fee No fee
Foreign transaction fee None
- 1.5% cash back on every purchase
- No annual fee and no foreign transaction fee
- Built for students building credit
✓ VerifiedNone FTFStudent OK
SoFiMainstream
•••• •••• •••• 4710
SoFi Credit CardMastercard
$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
SynchronyMainstream
•••• •••• •••• 2972
PayPal Cashback MastercardMastercard
No fixed sign-up bonus
Annual fee No fee
Foreign transaction fee 3%
- 3% cash back on PayPal checkout
- 1.5% cash back on everything else
- No annual fee
✓ Verified
SynchronyMainstream
•••• •••• •••• 6042
Venmo Credit CardVISA
No fixed sign-up bonus
Annual fee No fee
Foreign transaction fee None
- 3% on your top spend category automatically
- 2% on your second category
- No annual fee, managed in the Venmo app
✓ VerifiedNone FTF
RobinhoodElite
•••• •••• •••• 1569
Robinhood Gold CardVISA
No fixed sign-up bonus (Robinhood Gold required)
Annual fee No fee
Foreign transaction fee 3%
- 3% cash back on everything
- 5% on travel booked in the Robinhood portal
- No annual fee on the card itself
✓ Verified
Elan FinancialMainstream
•••• •••• •••• 7351
Fidelity Rewards Visa SignatureVISA
$150 (illustrative) deposited into a Fidelity account
Annual fee No fee
Foreign transaction fee None
- 2% cash back deposited into a Fidelity brokerage account
- No annual fee
- Simple flat rate that funds your investments
✓ VerifiedNone FTF
UpgradeStarter
•••• •••• •••• 8765
Upgrade Cash Rewards VisaVISA
$200 (illustrative) after opening a rewards checking account
Annual fee No fee
Foreign transaction fee 3%
- 1.5% cash back when you make a payment
- Accessible to fair credit
- Hybrid card and installment-loan structure
✓ Verified
Mission LaneStarter
•••• •••• •••• 2735
Mission Lane VisaVISA
No sign-up bonus
Annual fee No fee
Foreign transaction fee 3%
- Designed for fair or rebuilding credit
- No security deposit required
- Reports to all three credit bureaus
✓ Verified
Navy FederalMainstream
•••• •••• •••• 6887
Navy Federal cashRewardsVISA
$200 (spend $2,000 in 90 days)
Annual fee No fee
Foreign transaction fee None
- 1.75% flat cash back with direct deposit, 1.5% otherwise
- No annual fee, no foreign transaction fee
- Requires Navy Federal membership (military-affiliated)
✓ VerifiedNone FTF
Navy FederalMainstream
•••• •••• •••• 2595
Navy Federal More Rewards American ExpressAMEX
25,000 points = $250 (spend $3,000 in 90 days)
Annual fee No fee
Foreign transaction fee None
- 3x groceries, gas, dining & transit
- No annual fee, no foreign transaction fee
- Requires Navy Federal membership (military-affiliated)
✓ VerifiedNone FTF
PenFedMainstream
•••• •••• •••• 6738
PenFed Power Cash RewardsVISA
$100 (spend $1,500 in 90 days)
Annual fee No fee
Foreign transaction fee None
- 2% flat cash back with Honors Advantage, 1.5% otherwise
- No annual fee
- Requires PenFed credit-union membership (open to all)
✓ VerifiedNone FTF
PenFedElite
•••• •••• •••• 2155
PenFed Pathfinder RewardsVISA
50,000 points (spend $3,000 in 90 days)
Annual fee $95/yr
Foreign transaction fee None
- 4x travel, up to 3x for members
- $100 annual airline fee credit
- No foreign transaction fee; requires PenFed membership
✓ VerifiedNone FTF
USAAMainstream
•••• •••• •••• 9965
USAA Preferred Cash RewardsVISA
$200 (spend $1,000 in 90 days)
Annual fee No fee
Foreign transaction fee None
- 1.5% flat cash back on all purchases
- No annual fee
- Requires USAA membership (military & families)
✓ VerifiedNone FTF
AmexMainstream
•••• •••• •••• 5193
American Express Green CardAMEX
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 OK
AmexMainstream
•••• •••• •••• 2697
American Express EveryDayAMEX
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 OK
CitiMainstream
•••• •••• •••• 2690
Citi Rewards+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
ChaseMainstream
•••• •••• •••• 4662
Chase Ink Business CashVISA
$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
U.S. BankElite
•••• •••• •••• 5829
U.S. Bank Altitude ReserveVISA
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
Bank of AmericaMainstream
•••• •••• •••• 6237
Bank of America Travel RewardsVISA
25,000 points = $250 in travel (spend $1,000 in 90 days)
Annual fee No fee
Foreign transaction fee None
- 1.5x points on all purchases
- No annual fee, no foreign transaction fee
- Up to 2.625x with Preferred Rewards Platinum Honors status
✓ VerifiedNone FTF
Capital OneMainstream
•••• •••• •••• 9775
Capital One VentureOne RewardsVISA
20,000 miles (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 1.25x miles on every purchase
- 5x miles on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
None FTF
DiscoverMainstream
•••• •••• •••• 6761
Discover it ChromeDiscover
Cashback Match doubles all cash back earned in the first year
Annual fee No fee
Foreign transaction fee None
- 2% cash back at gas stations and restaurants on up to $1,000 combined each quarter
- 1% cash back on all other purchases
- No annual fee and no foreign transaction fees
None FTF
AmexElite
•••• •••• •••• 1672
Hilton Honors Aspire (American Express)AMEX
175,000 points (spend $6,000 in 6 months)
Annual fee $550/yr
Foreign transaction fee None
- Complimentary Hilton Honors Diamond status
- Annual free night reward at nearly any Hilton property
- Up to $400 Hilton resort credit and Priority Pass lounge access
🔥 ~$1400None FTFNo SSN OK
AmexLegendary
•••• •••• •••• 6541
American Express Business PlatinumAMEX
150,000 points (spend $20,000 in 3 months)
Annual fee $695/yr
Foreign transaction fee None
- 5x points on flights and prepaid hotels through Amex Travel
- Access to the Global Lounge Collection including Centurion Lounges
- Over $1,000 in annual statement credits across business categories
🔥 ~$2000None FTF
CitiStarter
•••• •••• •••• 7060
Citi SimplicityMastercard
No sign-up bonus; long 0% intro APR on purchases and balance transfers
Annual fee No fee
Foreign transaction fee 3%
- 0% intro APR on balance transfers for 21 months
- No late fees, no penalty APR, and no annual fee ever
- One of the longest interest-free windows available
ChaseMainstream
•••• •••• •••• 5946
Aeroplan Card (Chase, Air Canada)Mastercard
50,000 points (spend $3,000 in 3 months)
Annual fee $95/yr
Foreign transaction fee None
- 3x points on Air Canada, dining, and grocery purchases
- Complimentary Aeroplan 25K status in your first year
- First checked bag free on Air Canada flights
🔥 ~$800None FTF
BarclaysMainstream
•••• •••• •••• 4531
AAdvantage Aviator Red (Barclays)Mastercard
60,000 miles after your first purchase and paying the annual fee
Annual fee $99/yr
Foreign transaction fee None
- 2x miles on eligible American Airlines purchases
- First checked bag free on domestic American itineraries
- Preferred boarding and a companion certificate after $20,000 annual spend
🔥 ~$750None FTF
Wells FargoStarter
•••• •••• •••• 9782
Wells Fargo ReflectVISA
No sign-up bonus; one of the longest 0% intro APR periods available
Annual fee No fee
Foreign transaction fee 3%
- 0% intro APR on purchases and qualifying balance transfers for 21 months
- No annual fee
- Cellphone protection when you pay your bill with the card
ChaseStarter
•••• •••• •••• 7688
Chase Freedom StudentVISA
$50 bonus after your first purchase in 3 months
Annual fee No fee
Foreign transaction fee 3%
- 1.5% cash back on all purchases
- $20 Good Standing reward each year for up to 5 years
- Automatic credit line increase reviews to help build history
Student OK
U.S. BankMainstream
•••• •••• •••• 6467
U.S. Bank Altitude ConnectVISA
50,000 points (spend $2,000 in 4 months)
Annual fee $95/yr
Foreign transaction fee None
- 5x points on prepaid travel booked in the rewards center
- 4x points on travel and at gas stations
- Annual streaming credit and Priority Pass lounge visits
None FTF
ChaseMainstream
•••• •••• •••• 4975
United Gateway Card (Chase)VISA
20,000 miles (spend $1,000 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 2x miles on United purchases, gas, and transit
- No annual fee and no foreign transaction fees
- 25% back on United inflight purchases
None FTF
AmexElite
•••• •••• •••• 7233
Marriott Bonvoy Brilliant (American Express)AMEX
95,000 points (spend $6,000 in 6 months)
Annual fee $650/yr
Foreign transaction fee None
- Complimentary Marriott Bonvoy Platinum Elite status
- Annual free night award worth up to 85,000 points
- Up to $300 in annual dining credits and Priority Pass lounge access
🔥 ~$1300None FTFNo SSN OK
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