Credit Compound

The Card Database

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

Overwhelmed with credit card options?

Filter out the noise. Compound Match ranks every card against your real spend, math included.

Try Compound Match
Starwood Preferred Guest Credit Card from American Express card art

The most beloved card in hobby history, gone with Starwood itself.

Terms under review AF: Under reviewRating: 9.6/10
Full ReviewOffer Under Review
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
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
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
IHG Rewards Club Select Credit Card card art

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

Terms under review AF: Under reviewRating: 8.9/10
Full ReviewOffer Under Review
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
World of Hyatt Credit Card card art

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

60,000 pts bonus (≈$1,020)AF: $95Rating: 8.8/10
American Express Gold Card card art

4x at restaurants and US supermarkets. The foodie default.

100,000 pts bonus (≈$2,000)AF: $325Rating: 8.8/10
Club Carlson Premier Rewards Visa Signature card art

Every award stay's last night free, until the 2015 massacre.

Terms under review AF: Under reviewRating: 8.8/10
Full ReviewOffer Under Review
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
Citi Strata Premier card art

3x on five everyday categories. The broadest mid-tier earner.

60,000 pts bonus (≈$1,080)AF: $95Rating: 8.6/10
Barclaycard Arrival Plus World Elite Mastercard card art

2.1 percent on everything toward any travel, pulled without warning in 2019.

Terms under review AF: Under reviewRating: 8.6/10
Full ReviewOffer Under Review
Bilt Mastercard (Legacy) card art

The Wells Fargo-era Bilt Mastercard is closed to new applicants; this page preserves its terms and offer history.

Terms under review AF: Under reviewRating: 8.5/10
Full ReviewOffer Under Review
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
Wells Fargo Propel American Express Card card art

3x on practically everything fun, for free, until Wells gave up on it.

Terms under review AF: Under reviewRating: 8.5/10
Full ReviewOffer Under Review
Capital One Venture card art

2x everywhere with real transfer partners for $95.

75,000 pts bonus (≈$1,350)AF: $95Rating: 8.4/10
Atmos Rewards Ascent Visa Signature Card card art

The Companion Fare makes this one of the best airline card deals anywhere.

70,000 pts bonus (≈$1,015)AF: $95Rating: 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.

Terms under review AF: Under reviewRating: 8.3/10
Full ReviewOffer Under Review
Wells Fargo Autograph card art

3x on travel, dining, gas, transit, streaming and phone plans. Free.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Citi AT&T Access More Card card art

3x on all online shopping, the grandfathered card everyone refused to cancel.

Terms under review AF: Under reviewRating: 8.3/10
Full ReviewOffer Under Review
IHG One Rewards Premier Credit Card card art

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

Terms under review AF: Under reviewRating: 8.2/10
Full ReviewOffer Under Review
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
Citi AAdvantage Platinum Select World Elite Mastercard card art

The standard-issue American Airlines card, fee waived year one.

Terms under review AF: Under reviewRating: 8.2/10
Full ReviewOffer Under Review
Citi Hilton HHonors Reserve Card card art

Two weekend nights for 95 dollars, until Amex took the whole portfolio.

Terms under review AF: Under reviewRating: 8.2/10
Full ReviewOffer Under Review
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
Full ReviewOffer Under Review
Hilton Honors American Express Surpass Card card art

Gold status, quarterly Hilton credits, and a free night at $15k.

Terms under review AF: Under reviewRating: 8.1/10
Full ReviewOffer Under Review
Wyndham Rewards Earner Plus Card card art

6x on gas and a status ladder into the Caesars ecosystem.

Terms under review AF: Under reviewRating: 8.1/10
Full ReviewOffer Under Review
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.

60,000 pts bonus (≈$840)AF: $95Rating: 8.0/10
Delta SkyMiles Platinum Amex card art

Companion certificate plus an MQD headstart for the Delta loyal.

Terms under review AF: Under reviewRating: 8.0/10
Full ReviewOffer Under Review
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
Full ReviewOffer Under Review
AAdvantage Aviator Red World Elite Mastercard card art

The famous first-purchase bonus card, now closed to new applicants.

Terms under review AF: Under reviewRating: 8.0/10
Full ReviewOffer Under Review
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
Wells Fargo Autograph Journey card art

The card that turned Wells Fargo points into a transferable currency.

Terms under review AF: Under reviewRating: 8.0/10
Full ReviewOffer Under Review
Marriott Bonvoy Boundless card art

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

Terms under review AF: Under reviewRating: 7.9/10
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
Full ReviewOffer Under Review
Bank of America Premium Rewards card art

With Preferred Rewards Platinum Honors, this becomes a 2.62% everything card.

60,000 pts bonus (≈$600)AF: $95Rating: 7.9/10
JetBlue Plus Card card art

The keeper card for anyone who flies JetBlue twice a year.

Terms under review AF: Under reviewRating: 7.9/10
Full ReviewOffer Under Review
Southwest Rapid Rewards Priority Credit Card card art

The top personal Southwest card, rebuilt around free bags and assigned-seat upgrades.

60,000 pts bonus (≈$810)AF: $229Rating: 7.8/10
Southwest Rapid Rewards Plus Credit Card card art

The cheapest door into Southwest points and the Companion Pass.

Terms under review AF: Under reviewRating: 7.8/10
Full ReviewOffer Under Review
Southwest Rapid Rewards Premier card art

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

Terms under review AF: Under reviewRating: 7.8/10
Full ReviewOffer Under Review
Navy Federal Visa Signature Flagship Rewards card art

Military-grade travel rewards with a $49 fee and a free year of Amazon Prime.

Terms under review AF: Under reviewRating: 7.8/10
Full ReviewOffer Under Review
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
PenFed Pathfinder Rewards Visa Signature card art

Premium-style travel perks at a credit-union price, fee waived for many members.

Terms under review AF: Under reviewRating: 7.7/10
Full ReviewOffer Under Review
Delta SkyMiles Gold Amex card art
Delta SkyMiles Gold AmexAmerican Express

Two free checked bags on domestic Delta flights, TakeOff 15, and up to $420 in annual credits.

80,000 pts bonus (≈$920)AF: $150Rating: 7.6/10
US Bank Altitude Connect card art

4x on travel and gas with no annual fee.

30,000 pts bonus (≈$300)AF: $0Rating: 7.6/10
IHG One Rewards Traveler Credit Card card art

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

Terms under review AF: Under reviewRating: 7.6/10
Full ReviewOffer Under Review
Citi Strata Card card art

The no-fee entry to ThankYou points with a category you pick yourself.

Terms under review AF: Under reviewRating: 7.6/10
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
Full ReviewOffer Under Review
Hilton Honors American Express Card card art

Free hotel status and big point hauls for no fee.

Terms under review AF: Under reviewRating: 7.5/10
Full ReviewOffer Under Review
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
Full ReviewOffer Under Review
Bank of America Travel Rewards card art

1.5x everywhere, no fee, no FTF, and erase any travel purchase.

25,000 pts bonus (≈$250)AF: $0Rating: 7.5/10
British Airways Visa Signature Card card art

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

Terms under review AF: Under reviewRating: 7.5/10
Full ReviewOffer Under Review
Virgin Red Rewards World Elite Mastercard card art

One card for the whole Virgin empire: Atlantic, Hotels and Voyages.

Terms under review AF: Under reviewRating: 7.5/10
Full ReviewOffer Under Review
American Express Green Card card art

3x on travel, transit, and dining. The forgotten middle child that earns broadly.

Terms under review AF: Under reviewRating: 7.4/10
Full ReviewOffer Under Review
Discover it Miles card art

1.5x everywhere, doubled to 3x for your entire first year.

Terms under review AF: Under reviewRating: 7.4/10
Full ReviewOffer Under Review
Wyndham Rewards Earner Card card art

Free Gold status and 5x on gas without paying a dime.

Terms under review AF: Under reviewRating: 7.4/10
Full ReviewOffer Under Review
Choice Privileges Select Mastercard card art

30,000 anniversary points every year turn the $95 fee into a rounding error.

Terms under review AF: Under reviewRating: 7.4/10
Full ReviewOffer Under Review
Amtrak Guest Rewards Preferred Mastercard card art
Amtrak Guest Rewards Preferred MastercardFirst National Bank of Omaha

The only premium rail card in America, and the perks actually clear the fee.

Terms under review AF: Under reviewRating: 7.4/10
Full ReviewOffer Under Review
Air France KLM World Elite Mastercard card art

The only US card that earns Flying Blue XP toward elite status.

Terms under review AF: Under reviewRating: 7.3/10
Full ReviewOffer Under Review
Capital One VentureOne Rewards card art

Transferable miles with no annual fee and no foreign transaction fees.

Terms under review AF: Under reviewRating: 7.2/10
Full ReviewOffer Under Review
Qatar Airways Privilege Club Visa Signature Card card art

Avios earning plus a year of Qatar Silver status for under a hundred bucks.

Terms under review AF: Under reviewRating: 7.2/10
Full ReviewOffer Under Review
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
Marriott Bonvoy Bevy American Express Card card art

The awkward middle child of the Marriott lineup, rescued by big welcome offers.

Terms under review AF: Under reviewRating: 7.1/10
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
Amex EveryDay Preferred Credit Card card art

4.5x at supermarkets if you swiped 30 times a month. Closed to new applicants since 2024.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
Marriott Bonvoy Bountiful card art

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

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
Choice Privileges Mastercard card art

A fat point bonus on a free card, if you can love Choice hotels.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
Korean Air SKYPASS Visa Signature card art

The quiet workhorse for one of the best mileage charts left in SkyTeam.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
Avianca LifeMiles American Express Card card art

LifeMiles are a Star Alliance cheat code, and this card feeds them directly.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
USAA Eagle Navigator Visa Signature card art

USAA's first real travel card: 3x travel, 2x everything, and a self-paying fee.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
Turkish Airlines Miles&Smiles Premier Visa Signature card art

The only US card earning Miles&Smiles directly, gateway to one of the best award charts left.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
First Tech Choice Rewards World Mastercard card art
First Tech Choice Rewards World MastercardFirst Tech Federal Credit Union

2x on everyday spending with no annual fee and none of the usual junk fees.

Terms under review AF: Under reviewRating: 7.0/10
Full ReviewOffer Under Review
United Gateway Card card art

United miles with no annual fee and no FTF.

Terms under review AF: Under reviewRating: 6.9/10
Full ReviewOffer Under Review
Aer Lingus Visa Signature Card card art

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

Terms under review AF: Under reviewRating: 6.9/10
Full ReviewOffer Under Review
Iberia Visa Signature Card card art

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

Terms under review AF: Under reviewRating: 6.9/10
Full ReviewOffer Under Review
Emirates Skywards Rewards World Elite Mastercard card art

First year Silver status is the real headline, not the miles.

Terms under review AF: Under reviewRating: 6.9/10
Full ReviewOffer Under Review
Royal ONE Visa Signature Card card art

Royal Caribbean's 2026 card reboot, now covering Celebrity and Silversea too.

Terms under review AF: Under reviewRating: 6.9/10
Full ReviewOffer Under Review
Delta SkyMiles Blue American Express card art

The free entry point to the Delta ecosystem.

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
Marriott Bonvoy Bold card art

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

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
JetBlue Card card art
JetBlue CardBarclays

A free way to keep TrueBlue points flowing between trips.

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
One Key Card card art
One Key CardWells Fargo

Expedia store credit for people who already book everything on Expedia.

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
MGM Rewards World Elite Mastercard card art
MGM Rewards World Elite MastercardFirst National Bank of Omaha

Free self-parking on the Strip for the price of nothing.

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
LATAM Airlines World Elite Mastercard card art

The only US card earning LATAM Pass miles, with upgrades baked in.

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review

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

Terms under review AF: Under reviewRating: 6.8/10
Full ReviewOffer Under Review
Frontier Airlines World Mastercard card art

The only way to make Frontier miles survive your spending habits.

Terms under review AF: Under reviewRating: 6.7/10
Full ReviewOffer Under Review
Booking.com Genius Rewards Visa Signature card art

Up to 6% back in travel credits on the world's biggest booking site, launched August 2025.

Terms under review AF: Under reviewRating: 6.7/10
Full ReviewOffer Under Review
Miles & More World Elite Mastercard card art

Lounge vouchers and a companion ticket hide inside a forgettable earner.

Terms under review AF: Under reviewRating: 6.6/10
Full ReviewOffer Under Review
Amtrak Guest Rewards Mastercard card art
Amtrak Guest Rewards MastercardFirst National Bank of Omaha

A free way to keep Amtrak points alive and earn 2x on dining.

Terms under review AF: Under reviewRating: 6.6/10
Full ReviewOffer Under Review
TAP Miles&Go American Express Card card art

Lisbon lounge passes and free bags for Portugal regulars.

Terms under review AF: Under reviewRating: 6.6/10
Full ReviewOffer Under Review
Hawaiian Airlines World Elite Mastercard card art

A casualty of the Alaska merger: closed to new applicants since October 2025.

Terms under review AF: Under reviewRating: 6.5/10
Full ReviewOffer Under Review
Carnival World Mastercard card art

A cruise discount card living on borrowed time before its September rebrand.

Terms under review AF: Under reviewRating: 6.5/10
Full ReviewOffer Under Review
Breeze Easy Visa Signature Card card art

Free WiFi and priority boarding on America's newest airline.

Terms under review AF: Under reviewRating: 6.5/10
Full ReviewOffer Under Review
Priceline VIP Rewards Visa card art

5x on Priceline bookings and automatic VIP Gold status for the name-your-own-price crowd.

Terms under review AF: Under reviewRating: 6.5/10
Full ReviewOffer Under Review
Cathay Pacific Visa Signature Card card art

The original US Asia Miles card, retired and reborn as a Mastercard.

Terms under review AF: Under reviewRating: 6.4/10
Full ReviewOffer Under Review
Sun Country Airlines Visa Signature Card card art

Minnesota's hometown airline card, rebooted under Synchrony.

Terms under review AF: Under reviewRating: 6.3/10
Full ReviewOffer Under Review
Sonesta World Mastercard card art

A sleeper hotel card that Bank of America put to sleep for good in 2026.

Terms under review AF: Under reviewRating: 6.3/10
Full ReviewOffer Under Review
ANA Card U.S.A. Plus card art
ANA Card U.S.A. PlusFirst National Bank of Omaha

The only US card that earns ANA miles directly, fee waived the first year.

Terms under review AF: Under reviewRating: 6.2/10
Full ReviewOffer Under Review
Norwegian Cruise Line World Mastercard card art

A free card that chips away at your next Norwegian fare.

Terms under review AF: Under reviewRating: 6.2/10
Full ReviewOffer Under Review
American Express Blue Sky card art

Amex's quiet 1.33 percent travel card, finally folded into Cash Magnet in 2026.

Terms under review AF: Under reviewRating: 6.2/10
Full ReviewOffer Under Review
Caesars Rewards Visa Signature card art
Caesars Rewards Visa SignatureBread Financial (Comenity)

Instant Platinum status and Reward Credits for the Caesars casino loyalist.

Terms under review AF: Under reviewRating: 6.2/10
Full ReviewOffer Under Review
AARP Travel Rewards Mastercard card art

3% on airfare, hotels and car rentals with no annual fee and no foreign transaction fees.

Terms under review AF: Under reviewRating: 6.2/10
Full ReviewOffer Under Review
Princess Cruises Rewards Visa Card card art

Two points per dollar toward your next Princess sailing, free to hold.

Terms under review AF: Under reviewRating: 6.1/10
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
Full ReviewOffer Under Review
Best Western Rewards Premium Mastercard card art
Best Western Rewards Premium MastercardFirst National Bank of Omaha

The old FNBO Best Western card is gone; the brand now lives on a First Bank & Trust Visa.

Terms under review AF: Under reviewRating: 6.0/10
Full ReviewOffer Under Review
JAL USA Card card art
JAL USA CardFirst National Bank of Omaha

A direct line to JAL Mileage Bank for a $35 fee.

Terms under review AF: Under reviewRating: 6.0/10
Full ReviewOffer Under Review
Asiana Airlines Visa Signature Card card art

A dead card for an airline that is itself being absorbed into Korean Air.

Terms under review AF: Under reviewRating: 6.0/10
Full ReviewOffer Under Review
Celebrity Cruises Visa Signature Card card art

Retired in 2026 when Royal Caribbean Group consolidated onto the Royal ONE card.

Terms under review AF: Under reviewRating: 6.0/10
Full ReviewOffer Under Review
Holland America Line Rewards Visa Card card art

The Princess card's sister ship, flying Holland America colors.

Terms under review AF: Under reviewRating: 6.0/10
Full ReviewOffer Under Review
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
Full ReviewOffer Under Review
Credit One Bank Wander Card card art

One of the only travel rewards cards that will take fair credit, at a price.

Special bonusAF: $95Rating: 5.2/10
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
Full ReviewOffer Under Review
Virgin Atlantic World Elite Mastercard card art

A sweet spot machine that Bank of America quietly retired.

Terms under review AF: Under reviewRating: 4.0/10
Full ReviewOffer Under Review
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