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.

Special bonusAF: $95Rating: 9.6/10
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.

150,000 pts bonus (≈$3,000)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.

150,000 pts bonus (≈$3,000)AF: $895Rating: 8.9/10
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
Blue Cash from American Express (Original) card art

5 percent on groceries and gas up to 50,000 dollars a year, never matched since.

Special bonusAF: $0Rating: 8.8/10
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
Blue Cash Preferred card art
Blue Cash PreferredAmerican Express

6% at US supermarkets. The family grocery card.

$250 bonus (≈$250)AF: $95Rating: 8.3/10
Hilton Honors American Express Surpass Card card art

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

130,000 pts bonus (≈$650)AF: $150Rating: 8.1/10
Delta SkyMiles Platinum Amex card art

Companion certificate plus an MQD headstart for the Delta loyal.

100,000 pts bonus (≈$1,150)AF: $350Rating: 8.0/10
Marriott Bonvoy Brilliant American Express Card card art

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

95,000 pts bonus (≈$760)AF: $650Rating: 8.0/10
Delta SkyMiles Reserve Amex card art

Sky Club access and a first class companion certificate.

125,000 pts bonus (≈$1,438)AF: $650Rating: 7.9/10
Blue Cash Everyday Card card art
Blue Cash Everyday CardAmerican Express

3% groceries, gas, and online retail with no fee.

$200 bonus (≈$200)AF: $0Rating: 7.8/10
Delta SkyMiles Gold Amex card art
Delta SkyMiles Gold AmexAmerican Express

Free bags and a $200 flight credit at $10k spend.

90,000 pts bonus (≈$1,035)AF: $150Rating: 7.6/10
Hilton Honors American Express Card card art

Free hotel status and big point hauls for no fee.

80,000 pts bonus (≈$400)AF: $0Rating: 7.5/10
The Centurion Card from American Express card art

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

Special bonusAF: $5000Rating: 7.5/10
Full ReviewInvite Only
American Express Green Card card art

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

40,000 pts bonus (≈$800)AF: $150Rating: 7.4/10
TrueEarnings Card from Costco and American Express card art

The card that ended a 16-year Amex and Costco marriage.

Special bonusAF: $0Rating: 7.2/10
Marriott Bonvoy Bevy American Express Card card art

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

135,000 pts bonus (≈$1,080)AF: $250Rating: 7.1/10
Amex EveryDay Preferred Credit Card card art

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

15,000 pts bonus (≈$300)AF: $95Rating: 7.0/10
Amex EveryDay Credit Card card art

The only no-fee personal Membership Rewards card. Closed to new applicants since 2024.

10,000 pts bonus (≈$200)AF: $0Rating: 6.9/10
Delta SkyMiles Blue American Express card art

The free entry point to the Delta ecosystem.

10,000 pts bonus (≈$115)AF: $0Rating: 6.8/10
American Express ZYNC card art
American Express ZYNCAmerican Express

The build-your-own charge card experiment that lasted two years.

Special bonusAF: $25Rating: 6.5/10
American Express Cash Magnet card art

Amex's 1.5% flat card. Closed to new applicants since 2024.

$200 bonus (≈$200)AF: $0Rating: 6.4/10
American Express Blue Sky card art

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

Special bonusAF: $0Rating: 6.2/10