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.

150,000 pts bonus (≈$3,075)AF: $795Rating: 9.2/10
Chase Ink Business Preferred card art

The biggest routine sign-up bonus in the business. Period.

90,000 pts bonus (≈$1,845)AF: $95Rating: 9.1/10
Chase Sapphire Preferred card art

The best first travel card in the game. Full transfer partner access for $95.

75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
IHG Rewards Club Select Credit Card card art

A 49 dollar fee for a free night anywhere IHG flies its flag. Never again.

Special bonusAF: $49Rating: 8.9/10
World of Hyatt Credit Card card art

The only hotel card whose free night reliably beats the annual fee.

75,000 pts bonus (≈$1,275)AF: $95Rating: 8.8/10
Chase Sapphire Reserve for Business card art

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

150,000 pts bonus (≈$3,075)AF: $795Rating: 8.6/10
Ritz-Carlton Credit Card card art

The legacy luxury card you can only reach by product change.

Special bonusAF: $450Rating: 8.5/10
Full ReviewInvite Only
Southwest Rapid Rewards Priority Credit Card card art

The top personal Southwest card. The travel credit and anniversary points nearly erase the fee.

50,000 pts bonus (≈$675)AF: $149Rating: 8.4/10
United Quest Card card art

The middle child of the United lineup, with enough credits to cover the fee for regular flyers.

90,000 pts bonus (≈$1,080)AF: $350Rating: 8.3/10
IHG One Rewards Premier Credit Card card art

Huge headline bonuses, an anniversary night, and a fourth award night free every stay.

140,000 pts bonus (≈$840)AF: $99Rating: 8.2/10
United Business Card card art

The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.

100,000 pts bonus (≈$1,200)AF: $150Rating: 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.

90,000 pts bonus (≈$1,080)AF: $695Rating: 8.1/10
Southwest Rapid Rewards Performance Business card art

The biggest Southwest bonuses live on the business side.

80,000 pts bonus (≈$1,080)AF: $199Rating: 8.1/10
United Explorer Card card art

Free bags, expanded award space, and two lounge passes a year.

60,000 pts bonus (≈$720)AF: $150Rating: 8.0/10
Aeroplan Credit Card card art

The only US card that earns one of the best Star Alliance currencies directly.

70,000 pts bonus (≈$980)AF: $95Rating: 8.0/10
Marriott Bonvoy Boundless card art

An annual 35k free night certificate for a $95 fee.

125,000 pts bonus (≈$1,000)AF: $95Rating: 7.9/10
IHG One Rewards Premier Business Credit Card card art

The personal IHG Premier's perks, repeated on the business side of the ledger.

140,000 pts bonus (≈$840)AF: $99Rating: 7.9/10
Southwest Rapid Rewards Plus Credit Card card art

The cheapest door into Southwest points and the Companion Pass.

50,000 pts bonus (≈$675)AF: $69Rating: 7.8/10
Southwest Rapid Rewards Premier card art

The middle child of the Southwest lineup, and often the right pick.

50,000 pts bonus (≈$675)AF: $99Rating: 7.8/10
World of Hyatt Business Credit Card card art

More Hyatt points for the best hotel currency, with flexible quarterly bonus categories.

60,000 pts bonus (≈$1,020)AF: $199Rating: 7.8/10
Southwest Rapid Rewards Premier Business Credit Card card art

The lighter Southwest business card, and a clean second bonus toward the Companion Pass.

60,000 pts bonus (≈$810)AF: $149Rating: 7.7/10
IHG One Rewards Traveler Credit Card card art

Six-figure point bonuses and a fourth night free, on a card that costs nothing.

125,000 pts bonus (≈$750)AF: $0Rating: 7.6/10
British Airways Visa Signature Card card art

Avios for short-haul sweet spots, plus the famous Travel Together companion ticket.

75,000 pts bonus (≈$1,050)AF: $95Rating: 7.5/10
J.P. Morgan Reserve Card card art

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

Special bonusAF: $795Rating: 7.0/10
Full ReviewInvite Only
Marriott Bonvoy Bountiful card art

Gold status and big earn rates, but no annual free night to anchor the fee.

125,000 pts bonus (≈$1,000)AF: $250Rating: 7.0/10
United Gateway Card card art

United miles with no annual fee and no FTF.

20,000 pts bonus (≈$240)AF: $0Rating: 6.9/10
Aer Lingus Visa Signature Card card art

The Ireland specialist of the Avios trio, with cheap transatlantic award math.

75,000 pts bonus (≈$1,050)AF: $95Rating: 6.9/10
Iberia Visa Signature Card card art

Avios with a Spanish accent and a $1,000 flight discount for big spenders.

75,000 pts bonus (≈$1,050)AF: $95Rating: 6.9/10
Marriott Bonvoy Bold card art

The free way to keep Marriott points alive and bank elite nights.

60,000 pts bonus (≈$480)AF: $0Rating: 6.8/10
Visa
Sapphire
Personal · No AF

The no-fee Sapphire that started the dynasty, then vanished into Freedom Unlimited.

Special bonusAF: $0Rating: 6.8/10