Credit Compound

The Card Database

345 cards tracked · offers verified against issuer pages · histories charted

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Chase Sapphire Reserve card art

The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.

100,000 pts bonus (≈$2,050)AF: $795Rating: 9.2/10
Capital One Venture X card art

Premium travel with the easiest break-even math in the category.

75,000 pts bonus (≈$1,350)AF: $395Rating: 9.0/10
Citi Prestige Card card art

The 4th Night Free card, closed to new applicants since 2021.

Terms under review AF: Under reviewRating: 9.0/10
Full ReviewOffer Under Review
The Platinum Card from American Express Exclusively for Charles Schwab card art

The Platinum with an escape hatch: cash points out to your Schwab brokerage at 1.1 cents.

80,000 pts bonus (≈$1,600)AF: $895Rating: 9.0/10
The Platinum Card from American Express card art

The lounge king. The 2025 refresh raised the fee, and doubled down on credits.

175,000 pts bonus (≈$3,500)AF: $895Rating: 8.9/10
The Platinum Card from American Express Exclusively for Morgan Stanley card art

The Platinum that can pay for itself through a Morgan Stanley CashPlus account.

80,000 pts bonus (≈$1,600)AF: $895Rating: 8.9/10
Hilton Honors American Express Aspire Card card art

Instant Diamond status and a free night that beats the fee by itself.

150,000 pts bonus (≈$750)AF: $550Rating: 8.7/10
Capital One Venture X Business card art

The Venture X formula scaled up for serious business spend.

150,000 pts bonus (≈$2,700)AF: $395Rating: 8.7/10
Chase Sapphire Reserve for Business card art

The Sapphire Reserve playbook, rebuilt for business owners with ad spend and software credits.

200,000 pts bonus (≈$4,100)AF: $795Rating: 8.6/10
Ritz-Carlton Credit Card card art

A legacy luxury card closed to direct applications, with unusually durable Marriott perks.

Special bonusAF: $450Rating: 8.5/10
Full ReviewInvite Only
The Business Platinum Card from American Express card art

Platinum lounge access plus a credit stack built for business spend.

300,000 pts bonus (≈$6,000)AF: $895Rating: 8.4/10
Citi Strata Elite card art

Citi's premium card, with AAdvantage transfers and weekend dining at 6x.

75,000 pts bonus (≈$1,350)AF: $595Rating: 8.2/10
United Club Card card art

A United Club membership with a card attached. The 2025 refresh raised the fee and stacked on credits.

Terms under review AF: Under reviewRating: 8.1/10
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Marriott Bonvoy Brilliant American Express Card card art

Platinum Elite status and an 85k free night for serious Marriott stayers.

Terms under review AF: Under reviewRating: 8.0/10
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Citi AAdvantage Executive World Elite Mastercard card art

Admirals Club membership with a credit card attached.

Terms under review AF: Under reviewRating: 8.0/10
Full ReviewOffer Under Review
Delta SkyMiles Reserve Amex card art

Sky Club access and a first class companion certificate.

Terms under review AF: Under reviewRating: 7.9/10
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United Club Business Card card art

A full United Club membership on the business side, with a fee that tripled to match.

Terms under review AF: Under reviewRating: 7.9/10
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Bilt Palladium Card card art

Bilt's premium play: 2x on everything, lounge access and the richest housing rewards.

50,000 pts bonus (≈$1,000)AF: $495Rating: 7.8/10
Delta SkyMiles Reserve Business Amex card art

Sky Club access and a first class companion certificate, at a premium price.

Terms under review AF: Under reviewRating: 7.7/10
Full ReviewOffer Under Review
Bank of America Premium Rewards Elite card art

BofA's luxury card pays off when six figures sit in Merrill.

Terms under review AF: Under reviewRating: 7.6/10
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The Centurion Card from American Express card art

The Black Card. You do not apply. Amex calls you.

Terms under review AF: Under reviewRating: 7.5/10
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HSBC Premier World Elite Mastercard card art

A premium card that died because its bank left the country.

Terms under review AF: Under reviewRating: 7.2/10
Full ReviewOffer Under Review
J.P. Morgan Reserve Card card art

A palladium-faced Sapphire Reserve for J.P. Morgan Private Bank clients. Same benefits, heavier metal.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
U.S. Bank Altitude Reserve Visa Infinite card art

The mobile wallet legend, now closed and clipped.

Terms under review AF: Under reviewRating: 6.0/10
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Diners Club Carte Blanche card art

The card that invented the category, now frozen in amber.

Terms under review AF: Under reviewRating: 6.0/10
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Mastercard Black Card card art

A heavy metal card with a $495 fee and math that never quite adds up.

Terms under review AF: Under reviewRating: 4.5/10
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Mastercard Gold Card card art

A 24k-gold-plated card with a $995 fee, the most expensive 2% cash back in America.

Terms under review AF: Under reviewRating: 4.0/10
Full ReviewOffer Under Review
Mastercard Titanium Card card art

The entry-level Luxury Card: $195 for a brushed steel card and 1% back.

Terms under review AF: Under reviewRating: 3.8/10
Full ReviewOffer Under Review