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Marriott Bonvoy Boundless® Credit Card: A Solid Choice for Marriott Enthusiasts

• High Points Earning at Marriott: Earn 6X points on eligible purchases at participating Marriott Bonvoy hotels, maximizing your rewards for your stays.
• Solid Bonus Categories: Earn 3X points on the first $6,000 spent each calendar year on combined purchases at gas stations, grocery stores, and dining, including takeout and eligible delivery services (then 2X points).
• Free Night Award: Receive an annual free night award worth up to 35,000 points on your account anniversary, providing a valuable opportunity for a complimentary stay.
• Automatic Silver Elite Status: Enjoy automatic Marriott Bonvoy Silver Elite status, which comes with perks like late checkout and bonus points on stays.
• Path to Gold Elite Status: Earn Marriott Bonvoy Gold Elite status after spending $35,000 on the card in a calendar year, unlocking additional benefits like room upgrades and enhanced bonus points.

• Annual Fee: The $95 annual fee requires careful consideration to ensure you’ll earn enough points and utilize the free night award to offset the cost.
• Limited Transfer Partners: While points can be transferred to Marriott Bonvoy, the card lacks the flexibility of transferring points to a wide range of airline and hotel partners.
• Spending Cap on Bonus Categories: The 3X points earning on gas, groceries, and dining is capped at $6,000 per year, reverting to 2X points thereafter.

World of Hyatt Credit Card: A Hotel Rewards Card for Hyatt Loyalists

• Valuable Bonus Points and Free Nights: Earn a substantial welcome bonus and an annual free night certificate at Category 1-4 Hyatt properties, providing excellent opportunities for complimentary stays.
• Elevated Earning Rate at Hyatt Properties: Earn 9X points on eligible Hyatt spending, maximizing your rewards for stays and other Hyatt purchases.
• Automatic Hyatt Elite Status: Enjoy complimentary Discoverist status in the World of Hyatt program, granting perks like late check-out, preferred room availability, and bonus points.
• Pathway to Higher Elite Status: Earn 5 tier-qualifying night credits each year and 2 additional credits for every $5,000 spent, accelerating your progress towards higher tiers of Hyatt elite status.
• No Foreign Transaction Fees: Use this card internationally without incurring foreign transaction fees, making it a suitable option for international travel.

• Annual Fee: The $95 annual fee requires careful evaluation to ensure the card’s benefits and rewards align with your Hyatt spending and loyalty.
• Limited Bonus Categories Outside Hyatt: While the card offers bonus points in other categories (restaurants, airfare, transit, fitness), its primary focus is Hyatt spending.
• Value Dependent on Hyatt Loyalty: The card’s value is maximized for those who frequently stay at Hyatt properties.

United℠ Business Card: A Rewarding Card for Frequent United Flyers and Business Expenses

• Generous Welcome Bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening, providing a solid foundation for award flights, upgrades, or other travel rewards.
• Bonus Miles on United Purchases: Earn 2 miles per $1 spent on United Airlines tickets purchased directly from United, as well as on eligible United purchases like seat upgrades, Economy Plus®, inflight amenities, and baggage service charges.
• Bonus Miles on Business Categories: Earn 2 miles per $1 spent on dining, gas stations, office supply stores, and local transit and commuting, maximizing your rewards on common business expenses.
• Free Checked Bag: Enjoy a free first checked bag for yourself and one companion on the same reservation when you use the card to purchase your United or United Express-operated flights.
• $100 United Travel Credit: Receive a $100 statement credit each anniversary year after making seven United flight travel-related purchases of $100 or more.
• Premier Qualifying Points (PQP): Earn 25 Premier Qualifying Points (PQP) for every $500 in net purchases, up to a maximum of 1,000 PQP per calendar year, accelerating your progress toward United MileagePlus Premier status.
• United Club Passes: Receive two United Club one-time passes each account anniversary year, providing access to United’s airport lounges.

• Annual Fee After First Year: While the annual fee is waived for the first year, it becomes $99 from the second year onwards. Evaluate your spending habits to ensure the card’s benefits and rewards outweigh the cost.
• United Airlines-Centric Rewards: The card’s rewards are primarily geared towards United Airlines. If your business flies other airlines frequently, other cards may offer more flexible travel rewards.

Bilt World Elite Mastercard® Credit Card: A Rewarding Card for Renters and Travelers

• Earn Points on Rent Payments: Earn 1 point per $1 spent on rent paid through the Bilt App or website (up to 100,000 points per year) with no transaction fees, a unique benefit that sets this card apart.
• Bonus Rewards on Travel and Dining: Earn 3X points on dining purchases and 2X points on travel purchases, making it a rewarding card for those who prioritize these spending categories.
• Welcome Bonus: Earn 2x points on all purchases for 30 days, up to 10,000 points.
• Travel Benefits: Enjoy benefits such as trip cancellation/interruption protection, trip delay reimbursement, and auto rental collision damage waiver, offering peace of mind for travel.
• Lyft Credits and Rewards: Earn Lyft credits through the “Take 3, Get $5” program and earn up to 5 points per $1 spent on Lyft rides through the Bilt Rewards Program.
• No Annual Fee: Benefit from rewards and travel perks without any ongoing annual costs.
• Cell Phone Protection: Receive up to $800 per claim (and $1,600 per 12 months) for cell phone damage or theft when you pay your monthly cell phone bill with the card.

• 5 Transaction Minimum for Bonus Rewards: To earn points on rent and bonus rewards on other categories, you need to make at least 5 transactions per statement period. If you don’t meet this requirement, you’ll earn a flat 250 points for your rent payment and no points on other purchases.
• Limited Additional Perks: While the card offers travel benefits and cell phone protection, it lacks some of the lifestyle benefits found on other rewards cards.

• Exceptional Marriott Bonvoy Benefits: Enjoy automatic Marriott Bonvoy Platinum Elite status, 25 Elite Night Credits annually, a Free Night Award (worth up to 85,000 points) each year after card renewal, and a $100 Marriott property credit for qualifying stays at The Ritz-Carlton® or St. Regis® properties.
• High Points Earning on Marriott Stays: Earn 6X Marriott Bonvoy points on purchases at participating Marriott Bonvoy properties, maximizing your rewards for hotel stays.
• Bonus Points on Travel and Dining: Earn 3X points on flights booked directly with airlines and at restaurants worldwide, making it a rewarding card for travel expenses and dining.
• $300 Annual Dining Credit: Enjoy up to $25 in statement credits each month for dining at restaurants worldwide, potentially offsetting a significant portion of the annual fee.
• Priority Pass Select Membership: Gain access to over 1,300 airport lounges worldwide through a complimentary Priority Pass Select membership, enhancing your travel experience.

• High Annual Fee: The $650 annual fee is a substantial investment. It’s crucial to assess your spending and travel habits to ensure you can extract enough value from the card’s benefits to justify the cost.
• Limited Value Outside Marriott: While the card offers bonus rewards on travel and dining, its primary focus is on Marriott Bonvoy benefits. If you don’t frequently stay at Marriott properties, other cards may provide more versatile rewards.
• No Transfer Bonuses: Transferring points to airline partners is typically at a 3:1 ratio, with a 5,000-mile bonus for every 60,000 points transferred. You won’t find outsized value compared to other Amex cards offering transfer bonuses.

Ink Business Unlimited® Credit Card: A Straightforward Cash Back Card for Businesses

• Simple 1.5% Cash Back: Earn an unlimited 1.5% cash back on all purchases, simplifying the rewards process and providing consistent value.
• Generous Welcome Bonus: The $900 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening is a substantial upfront reward.
• 0% Intro APR: Enjoy 0% intro APR on purchases for the first 12 months, allowing for interest-free financing.
• No Annual Fee: Enjoy cash back rewards without any ongoing annual costs.

• Foreign Transaction Fee: The card charges a 3% foreign transaction fee, making it less suitable for international purchases.
• No Travel Benefits: Unlike some other Chase Ink cards, the Ink Business Unlimited does not offer travel insurance or other travel-related perks.
• Limited Redemption Options: You can redeem your cash back for statement credits, direct deposit, or gift cards. However, you won’t be able to transfer your points to travel partners like you can with other Chase Ultimate Rewards cards.

A Great Companion for Frequent Southwest Flyers

• Companion Pass Potential: Earn points towards the Companion Pass, allowing a designated companion to fly with you for almost free (excluding taxes and fees) for a year. The card’s sign-up bonus and bonus categories contribute significantly to reaching the required qualifying points.
• Generous Welcome Bonus: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months. These points hold considerable value for award flights, potentially covering multiple one-way trips.
• Bonus Points on Southwest Purchases and Partners: Earn 2X points on Southwest Airlines purchases and with Rapid Rewards hotel and car rental partners, accelerating your points accrual for Southwest-related spending.
• Bonus Points on Everyday Categories: Earn 2X points on local transit and commuting, including rideshare, internet, cable, and phone services, and select streaming services, expanding the card’s value beyond just flights.
• Annual Companion Pass Qualifying Points Boost: Receive a 10,000-point boost towards Companion Pass qualification each year, simplifying your path to this valuable benefit.
• Anniversary Points and Travel Perks: Earn 3,000 anniversary points each year and enjoy 2 EarlyBird Check-In credits annually, ensuring a smoother and more convenient travel experience.

• Annual Fee: The $69 annual fee should be weighed against the card’s benefits. Evaluate your Southwest flying frequency and spending to ensure the card’s value outweighs the cost.
• Foreign Transaction Fee: The 3% foreign transaction fee makes the card less suitable for international spending outside of Southwest Airlines’ international destinations.
• Limited Airport Lounge Access: Unlike some premium travel cards, the Southwest Rapid Rewards® Plus Credit Card does not offer complimentary airport lounge access.

A Simple Cash Back Card with a Boost

• High First-Year Rewards: The combined 3% cash back on all purchases for the first year (up to $20,000 spent) makes this card a cash back powerhouse for new cardholders.
• Simple and Unlimited Cash Back: Earn a consistent 1.5% cash back on all eligible purchases after the first year, making it easy to track rewards without worrying about bonus categories or spending limits.
• Elevated Rewards on Travel, Dining, and Drugstores: Enjoy higher cash back rates on travel booked through Chase Travel (5%), dining (3%), and drugstore purchases (3%), adding value for those who prioritize these spending categories.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for earning cash back rewards.
• 0% Intro APR: Benefit from 0% intro APR on purchases and balance transfers for the first 15 months, providing an opportunity for interest-free financing or debt consolidation.

• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• Limited Additional Perks: While the card offers some travel and purchase protections, it lacks some of the premium benefits found on other cash back cards.

A No-Annual-Fee Card for Earning American Airlines Miles

• No Annual Fee: Enjoy earning AAdvantage® miles without any ongoing annual costs, making it a budget-friendly option for accumulating miles.
• Bonus Miles on American Airlines Purchases: Earn 2X AAdvantage® miles on eligible American Airlines purchases, including flights, upgrades, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Grocery Store Purchases: Earn 2X AAdvantage® miles at grocery stores, making it a rewarding card for everyday grocery shopping.
• Welcome Bonus: Earn 20,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening, providing a solid starting point for your AAdvantage® mileage balance.

• Limited Travel Perks: The card does not offer travel perks like a free checked bag or priority boarding, which are common on higher-tier airline cards.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• American Airlines-Centric Rewards: The card’s rewards are primarily geared towards American Airlines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

A Great Option for Frequent American Airlines Flyers

• Generous Welcome Bonus: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 3 months of account opening. This bonus can be redeemed for award flights, upgrades, and other travel rewards.
• Bonus Miles on American Airlines Purchases: Earn 2X AAdvantage® miles on eligible American Airlines purchases, including flights, upgrades, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Everyday Spending: Earn 2X AAdvantage® miles at restaurants and gas stations, making it a rewarding card for both travel and everyday expenses.
• Free Checked Bag: Enjoy a free checked bag for yourself and up to four companions on the same reservation when traveling on domestic American Airlines itineraries, potentially saving you hundreds of dollars in baggage fees annually.
• Preferred Boarding: Board the plane earlier with Group 5 priority boarding, allowing you to secure overhead bin space and settle in comfortably.
• $125 American Airlines Flight Discount: Earn a $125 American Airlines Flight Discount after spending $20,000 or more in purchases during your card membership year, providing a valuable travel credit.

• Annual Fee After First Year: While the annual fee is waived for the first year, it becomes $99 from the second year onwards. Ensure the card’s benefits and rewards align with your spending habits to justify the cost.
• Limited Lounge Access: The card does not offer complimentary airport lounge access, which may be a drawback for travelers seeking airport comfort and amenities.
• American Airlines-Centric Rewards: The card’s rewards are primarily geared towards American Airlines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

A Simple Travel Rewards Card with a Solid Bonus

• Uncomplicated Points Earning: Earn an unlimited 1.5 points per dollar on every purchase, simplifying the rewards process and allowing you to earn consistently.
• Solid Welcome Bonus: Earn 25,000 bonus points after you make at least $1,000 in purchases within 90 days of account opening. This bonus is worth $250 in travel statement credits.
• 0% Intro APR: Enjoy 0% intro APR on purchases for 15 billing cycles and on balance transfers for 15 billing cycles (for balance transfers made within 60 days of account opening), providing an opportunity for interest-free financing or debt consolidation.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for those seeking a cost-effective way to earn travel rewards.
• Flexible Travel Redemption: Redeem your points for travel statement credits to offset travel purchases made in the past 12 months, offering versatility in utilizing your rewards.

• No Foreign Transaction Fee: The card does not charge a foreign transaction fee, making it a suitable option for international spending.
• Limited Additional Perks: The card lacks some of the premium travel perks, such as airport lounge access or travel insurance, found on other travel cards.

A Simple and Rewarding Cash Back Option

• Uncomplicated 1.5% Cash Back: Earn a flat 1.5% cash back on every purchase, eliminating the need to track bonus categories or worry about spending limits.
• Generous Welcome Bonus: The $200 cash bonus after spending $500 in purchases within the first 3 months provides a substantial upfront reward.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months, allowing for interest-free financing or debt consolidation.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for those seeking a cost-effective way to earn cash back.

• Foreign Transaction Fee: The card charges a foreign transaction fee, making it less suitable for international spending.
• Limited Additional Perks: While the card offers some travel benefits through Capital One Travel, it lacks some of the purchase protections and insurance benefits found on other cash back cards.

A Solid Choice for Delta Flyers

• Free Checked Bag: Enjoy a free first checked bag for yourself and up to eight companions on the same reservation, potentially saving you hundreds of dollars in baggage fees annually.
• Priority Boarding: Board the plane earlier with Main Cabin 1 priority boarding, allowing you to secure overhead bin space and settle in before the crowds.
• $200 Delta Flight Credit: Earn a $200 Delta flight credit after spending $10,000 in eligible purchases on the card in a calendar year, effectively offsetting a significant portion of the annual fee.
• Bonus Miles on Delta Purchases: Earn 2X miles on Delta purchases, including flights, upgrades, seat selection, and in-flight purchases, accelerating your mileage accrual.
• Bonus Miles on Everyday Spending: Earn 2X miles at U.S. supermarkets and restaurants worldwide, making it a rewarding card for both travel and everyday expenses.

• Annual Fee After First Year: While the first year is fee-free, the $150 annual fee kicks in from the second year onwards. Ensure the card’s benefits and rewards align with your spending habits to justify the cost.
• Limited Lounge Access: The card does not offer complimentary airport lounge access, which may be a drawback for travelers seeking airport comfort and amenities.
• Delta-Centric Rewards: The card’s rewards are primarily geared towards Delta Air Lines. If you fly other airlines frequently, other cards may offer more flexible travel rewards.

A Personalized Cash Back Card for Your Top Spending Category

• Adaptive 5% Cash Back: The card’s standout feature is its automatic 5% cash back on your top eligible spending category each billing cycle (up to the first $500 spent, then 1% back), allowing you to earn top rewards without the hassle of manually activating categories.
• Wide Range of Eligible Categories: The card covers a diverse range of spending categories, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment, ensuring you’re likely to earn bonus cash back on your regular purchases.
• No Annual Fee: The absence of an annual fee makes this card an attractive option for budget-conscious consumers who want to earn cash back without any upfront costs.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months, providing an opportunity for interest-free financing or debt consolidation.

• $500 Spending Cap for 5% Back: The 5% cash back rate applies only to the first $500 spent in your top category each billing cycle. While you’ll still earn 1% back on spending beyond that, it’s worth noting this limitation.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.

A Straightforward Cash Back Card for Everyday Purchases

• Unlimited 2% Cash Back: Earn an unlimited 2% cash back on all purchases, making it easy to accumulate rewards without worrying about bonus categories or spending caps.
• $200 Cash Rewards Bonus: Receive a $200 cash rewards bonus after spending $1,000 in purchases within the first 3 months, providing a generous incentive for new cardholders.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 12 months, allowing you to finance large purchases or consolidate debt interest-free.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for earning cash back rewards.

• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for international spending.
• Limited Additional Perks: The card lacks the extensive travel and purchase protections often found with premium travel rewards cards.

A Cash Back Powerhouse for Everyday Spending

• Exceptional Cash Back on Essentials: The card shines with its 6% cash back on the first $6,000 spent annually at U.S. supermarkets and on select U.S. streaming subscriptions, making it ideal for those who prioritize these spending categories.
• Solid Rewards on Transit and Gas: Earn 3% cash back on U.S. gas station purchases and transit expenses, including rideshares, taxis, tolls, and public transportation, providing ongoing value for commuters and frequent drivers.
• Attractive Welcome Bonus: The $250 statement credit after spending $3,000 in eligible purchases within the first 6 months is a generous incentive for new cardholders.
• 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for the first 12 months, allowing you to finance large purchases or consolidate debt interest-free.

• Annual Fee After First Year: While the first year is fee-free, the $95 annual fee kicks in from the second year onwards. Ensure the card’s ongoing rewards outweigh this cost.
• Foreign Transaction Fee: The 2.7% foreign transaction fee makes this card less suitable for international spending.
• Cash Back Cap on Supermarkets: The 6% cash back at supermarkets is capped at $6,000 in spending annually, reverting to 1% thereafter.

A Cash Back Champion for Business Essentials

• Exceptional Cash Back on Key Business Expenses: The card shines with its 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services, making it ideal for businesses with recurring expenses in these categories.
• High Rewards on Gas and Restaurants: Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants, providing ongoing value for businesses with transportation and dining costs.
• 0% Intro APR: Enjoy a 0% intro APR on purchases for the first 12 months, allowing you to finance business purchases or manage cash flow interest-free.
• No Annual Fee: The absence of an annual fee makes this card a cost-effective option for businesses of all sizes.

• Cash Back Cap: The 5% and 2% cash back categories are capped at $25,000 in annual spending, reverting to 1% thereafter.
• Foreign Transaction Fee: The 3% foreign transaction fee makes this card less suitable for businesses with international expenses.

A Top Choice for Business Rewards and Travel

• Lucrative Welcome Bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,250 toward travel when you redeem through Chase Ultimate Rewards®.
• High Earning Rates on Business Essentials: Enjoy 3X points on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines, making it ideal for businesses with significant expenses in these categories.
• Flexible Ultimate Rewards Points: Redeem your points for travel, cash back, gift cards, merchandise, and more, providing versatility in how you utilize your rewards.
• Transferable Points: Transfer points to a wide range of airline and hotel partners at a 1:1 ratio, allowing you to leverage partner loyalty programs for maximum value.
• Travel Protections: Benefit from trip cancellation/interruption insurance, primary car rental insurance, cell phone protection, and more, offering peace of mind for your business travels.

• Annual Fee: The $95 annual fee requires careful consideration. However, the card’s generous welcome bonus and high earning rates can easily offset this cost for businesses with substantial spending.
• Spending Cap on Bonus Categories: The 3X points earning rate is capped at $150,000 in combined purchases per account anniversary year in the specified bonus categories, reverting to 1X point thereafter.

A Top Choice for Business Rewards and Travel

• Lucrative Welcome Bonus: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening, providing a substantial foundation for travel, cash back, or other rewards.
• High Rewards on Business Expenses: Earn 3X points on the first $150,000 spent in combined purchases each account anniversary year on shipping, social media and search engine advertising, travel, internet, cable, and phone services.
• Valuable Travel Benefits: Enjoy benefits like primary car rental insurance, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, and travel accident insurance, offering peace of mind for business travel.
• Flexible Redemption Options: Redeem your points for travel through Chase Ultimate Rewards®, cash back, gift cards, merchandise, and more, providing flexibility in utilizing your rewards.

• Annual Fee: The $95 annual fee requires careful evaluation of your spending patterns to ensure the card’s rewards and benefits outweigh the cost.
• Spending Cap on Bonus Categories: The 3X points earning rate is capped at $150,000 in combined purchases in the bonus categories each account anniversary year.
• No Complimentary Lounge Access: Unlike some other premium business cards, the Ink Business Preferred does not offer complimentary airport lounge access.