Credit Card Database — compare welcome bonuses, fees and earning rates
| Card | Welcome offer | Fee | Other | Dining | Hotels | Travel | Airfare | Gas / Fuel | Groceries | Shopping | Advertising / Telecom | Rideshare / Transit | Utilities | Shipping | Streaming | Health / Fitness | Entertainment | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
300,000 pts ≈$6,550 |
$395 | 2x | 10x | 5x | Details | |||||||||||||
Up to 300,000 pts |
$895 | 1x | 5x | 5x | 2x | Details | ||||||||||||
Up to 200,000 pts |
$375 | 1x | 4x | 3x | 4x | 4x | 4x | 4x | 4x | Details | ||||||||
Up to 175,000 pts |
$895 | 1x | 5x | 5x | Details | |||||||||||||
200,000 pts ≈$3,000 |
$795 | 1x | 4x | 8x | 4x | 3x | 5x | Details | ||||||||||
100,000 pts ≈$2,050 |
$95 | 1x | 3x | 3x | 3x | 3x | Details | |||||||||||
100,000 pts ≈$2,050 |
$795 | 1x | 3x | 4x | 8x | 4x | 5x | 10x | Details | |||||||||
Up to 100,000 pts |
$325 | 1x | 4x | 5x | 2x | 3x | 4x | Details | ||||||||||
200,000 miles ≈$2,000ends Nov 4, 2026 · 3d |
$650 | 1x | 3x | 1.5x | 1.5x | 1.5x | Details | |||||||||||
 Bank of AmericaAtmos Rewards Summit Visa Infinite Card |
125,000 pts ≈$1,938 |
$395 | 1x | 3x | 3x | Details | ||||||||||||
100,000 pts ≈$1,850 |
$95 | 2x | 5x | Details | ||||||||||||||
125,000 miles ≈$1,813 |
$695 | 1x | 12x | 4x | Details | |||||||||||||
115,000 pts ≈$1,725 |
$195 | 1x | 2x | 3x | 3x | 2x | 2x | Details | ||||||||||
75,000 pts ≈$1,688 |
$95 | 2x | 5x | Details | ||||||||||||||
75,000 pts ≈$1,538 |
$95 | 1x | 3x | 2x | 5x | 3x | 3x | 3x | Details | |||||||||
75,000 pts ≈$1,500 |
$699 | 1x | 2x | 2x | Details | |||||||||||||
75,000 pts ≈$1,425 |
$595 | 1.5x | 6x | 12x | 6x | Details | ||||||||||||
 BiltBilt Palladium |
50,000 pts ≈$1,400 |
$495 | 2x | 5x | 4x | 3x | 4x | Details | ||||||||||
75,000 pts ≈$1,388 |
$395 | 2x | 10x | 5x | Details | |||||||||||||
Up to 90,000 miles ends Nov 4, 2026 · 3d |
$350 | 1x | 2x | 3x | 3x | 2x | Details | |||||||||||
| Bank of AmericaAtmos Rewards Ascent Visa Signature Card |
80,000 pts ≈$1,240 |
$95 | 1x | 3x | 2x | Details | ||||||||||||
Up to 80,000 miles ends Nov 4, 2026 · 3d |
$150waived 1st yr | 1x | 2x | 2x | 2x | Details | ||||||||||||
80,000 miles ≈$1,160 |
$99 | 1x | 2x | 2x | 2x | Details | ||||||||||||
70,000 pts ≈$1,155 |
$1993% FTF | 1x | 2x | 4x | 2x | 2x | 2x | 2x | 2x | 2x | 2x | Details | ||||||
90,000 pts ≈$1,125ends Dec 2, 2026 |
$229 | 1x | 2x | 4x | 2x | Details | ||||||||||||
75,000 miles ≈$1,088 |
$99 | 1x | 2x | 2x | 2x | Details | ||||||||||||
85,000 pts ≈$1,063ends Dec 2, 2026 |
$149 | 1x | 2x | 2x | 2x | 3x | 2x | Details | ||||||||||
60,000 pts ≈$1,050 |
$953% FTF | 1x | 3x | 5x | 3x | 4x | Details | |||||||||||
4 Free Night Awards (≤50k each) after $3,000 in 3 months ≈$1,050 |
$95 | 2x | 3x | 6x | 3x | 3x | Details | |||||||||||
$1,000 cash back after $5,000 in 120 days ≈$1,000 |
0 | 1x | 2x | 3x | Details | |||||||||||||
Up to 50,000 pts |
02.7% FTF | 2x | Details | |||||||||||||||
100,000 pts ≈$1,000 |
03% FTF | 3x | 7x | Details | ||||||||||||||
80,000 pts ≈$1,000ends Dec 2, 2026 |
$99 | 1x | 2x | 2x | 2x | Details | ||||||||||||
$1,000 cash back after $15,000 in 150 days ≈$1,000 |
$295 | 2x | 10x | Details | ||||||||||||||
80,000 pts ≈$1,000 |
$299 | 1x | 2x | 2x | 2x | 4x | 2x | Details | ||||||||||
$1,000 bonus rewards after $15,000 in 90 days ≈$1,000 |
$299 | 2x | Details | |||||||||||||||
100,000 miles ≈$1,000ends Nov 4, 2026 · 3d |
$350 | 1x | 3x | 3x | 1.5x | 1.5x | Details | |||||||||||
100,000 pts ≈$1,000 |
$650 | 2x | 3x | 6x | 3x | Details | ||||||||||||
 SynchronyVirgin Red Rewards Mastercard |
60,000 pts ≈$970 |
$99 | 1x | 2x | 3x | 3x | 3x | 2x | 2x | 2x | Details | |||||||
70,000 pts ≈$945 |
$99 | 1x | 2x | 6x | 2x | Details | ||||||||||||
50,000 pts ≈$925 |
0 | 1.5x | 5x | Details | ||||||||||||||
90,000 miles ≈$900ends Nov 4, 2026 · 3d |
$150waived 1st yr | 1x | 2x | 2x | 2x | 2x | Details | |||||||||||
 HSBCHSBC Elite World Elite Mastercard |
75,000 pts ≈$900ends Jan 15, 2027 |
$495 | 1x | 2x | 5x | Details | ||||||||||||
100,000 pts ≈$850ends Nov 4, 2026 · 3d |
$125 | 2x | 4x | 6x | 4x | 4x | 4x | Details | ||||||||||
120,000 pts ≈$840 |
$395 | 1x | 4x | 8x | 4x | 4x | Details | |||||||||||
150,000 pts ≈$825 |
$99 | 3x | 5x | 10x | 5x | 5x | 5x | 5x | Details | |||||||||
190,000 pts ≈$825 |
$99 | 3x | 5x | 10x | 5x | 5x | Details | |||||||||||
80,000 miles ≈$800 |
$150waived 1st yr | 1x | 2x | 2x | 3x | 9x | Details | |||||||||||
$750 cash back after $6,000 in 3 months ≈$750 |
0 | 1x | 2x | 2x | 5x | 5x | Details | |||||||||||
$750 cash back after $6,000 in 3 months ≈$750 |
0 | 1.5x | Details | |||||||||||||||
$750 cash bonus after $6,000 in 3 months ≈$750 |
0 | 1.5x | 5x | Details | ||||||||||||||
$750 cash back after $6,000 in 6 months ≈$750 |
0 | 1x | 3x | 5x | 3x | 3x | 3x | Details | ||||||||||
75,000 pts ≈$750 |
$95 | 1x | 2x | 5x / 4x | Details | |||||||||||||
60,000 pts ≈$750 |
$149 | 1x | 2x | 2x | 2x | 3x | 2x | Details | ||||||||||
| Bank of AmericaPremium Rewards® Elite |
75,000 pts ≈$750 |
$550 | 1.5x | 2x | 2x | Details | ||||||||||||
100,000 pts ≈$700 |
$149 | 1x | 8x | 5x | 5x | 5x | 5x | 5x | Details | |||||||||
85,000 pts ≈$638 |
$250 | 2x | 4x | 6x | 4x | Details | ||||||||||||
| HSBCHSBC Premier World Mastercard® |
60,000 pts ≈$625ends Jan 15, 2027 |
$95 | 1x | 2x | 3x | 3x | Details | |||||||||||
130,000 pts ≈$620ends Jan 13, 2027 |
$150 | 3x | 6x | 12x | 6x | 6x | 4x | Details | ||||||||||
$600 in rewards (60,000 points) after $6,000 in 120 days ≈$600 |
$95 | 2x / 1x | 5x | Details | ||||||||||||||
| Bank of AmericaPremium Rewards |
60,000 pts ≈$600 |
$953% FTF | 1.5x | 2x | 2x | Details | ||||||||||||
60,000 miles ≈$600 |
$350 | 1x | 2x | 6x | 3x | 2x | Details | |||||||||||
50,000 miles ≈$600ends Nov 4, 2026 · 3d |
$650 | 1x | 3x | Details | ||||||||||||||
 PenFedPathfinder Rewards Visa Signature® |
50,000 pts ≈$550 |
$95 | 1.5x | 3x | 4x | Details | ||||||||||||
60,000 pts ≈$510 |
0 | 1x | 5x | 3x | 3x | 3x | 3x | Details | ||||||||||
Up to $500 |
02.7% FTF | 2x | Details | |||||||||||||||
$500 cash back after $2,500 in 3 months ≈$500 |
0 | 1.5x | Details | |||||||||||||||
| Bank of AmericaBusiness Advantage Customized Cash Rewards Mastercard® biz |
$500 cash rewards after $5,000 in 3 months ≈$500 |
0 | 1x | 2x | 3x | Details | ||||||||||||
| Bank of AmericaBusiness Advantage Travel Rewards World Mastercard® biz |
30,000 pts ≈$500 |
0 | 1.5x | 3x | Details | |||||||||||||
| Bank of AmericaBusiness Advantage Unlimited Cash Rewards Mastercard® biz |
$500 cash rewards after $5,000 in 3 months ≈$500 |
0 | 1.5x | Details | ||||||||||||||
50,000 pts ≈$500 |
0 | 1x | Details | |||||||||||||||
 Northwest FCUNorthwest Federal NOW Plus Rewards Visa® |
50,000 pts ≈$500 |
0 | 2x | Details | ||||||||||||||
$500 cash rewards bonus after $5,000 in 3 months ≈$500 |
0 | 2x | Details | |||||||||||||||
50,000 pts ≈$500ends Jan 31, 2027 |
$95 | 2x | 3x | Details | ||||||||||||||
$500 cash back after $5,000 in 3 months ≈$500 |
$95 | 1x | 3x | 3x | 2x | Details | ||||||||||||
90,000 pts ≈$495 |
0 | 2x | 3x | 5x | 3x | 3x | 3x | Details | ||||||||||
45,000 pts ≈$338 |
0 | 1x | 2x | 3x | 2x | 2x | 2x | 2x | Details | |||||||||
Up to $300 |
$95waived 1st yr · 2.7% FTF | 1x | 3x | 3x | 6x | 3x | 6x | Details | ||||||||||
$250 after $1,000 in 3 months ≈$250 |
0 | 1x | 3x | 4x | 2x | Details | ||||||||||||
| Bank of AmericaUnlimited Cash Rewards |
$250 cash rewards after $1,000 in 3 months ≈$250 |
0 | 1.5x | Details | ||||||||||||||
$200 statement credit after $1,000 in 3 months ≈$200 |
0 | 1x | 3x | 2x | 2x | Details | ||||||||||||
Up to $200 |
02.7% FTF | 1x | 3x | 3x | 3x | Details | ||||||||||||
$200 bonus after $1,000 in 90 days ≈$200 |
0 | 1x | 2x | 5x | Details | |||||||||||||
$200 statement credit after $500 in 3 months + first-year Cashback Match ≈$200 |
0 | 1x | Details | |||||||||||||||
$200 (as 20,000 TYP) after $1,500 in 6 months ≈$200 |
03% FTF | 2x | 5x | Details | ||||||||||||||
$200 cash bonus (20,000 points) after $3,000 in the first 3 billing cycles ≈$200 |
0 | 2x | Details | |||||||||||||||
$200 after $500 in 3 months ≈$200 |
03% FTF | 1.5x | 3x | 5x | 2x | 3x | Details | |||||||||||
Up to $200 cash back after $1,000 in purchases in the first 90 days ($100 after $500–$999) ≈$200 |
0 | 1x | 3x | 2x | 2x | 3x | Details | |||||||||||
$200 cash bonus after $500 in 3 months ≈$200 |
0 | 1x | 3x | 5x | 3x | 3x | 3x | Details | ||||||||||
$150 cash back after $1,500 in 3 months ≈$150 |
0 | 2x | Details | |||||||||||||||
$150 statement credit after any one purchase in 90 days ≈$150ends Jan 13, 2027 |
0 | 1x | 4x | 4x | 4x | 4x | Details | |||||||||||
$100 cash rewards after $500 in 3 months ≈$100 |
03% FTF | 2x | Details | |||||||||||||||
Up to $750 |
0 | 1x | 5x | 5x | Details | |||||||||||||
No welcome bonus |
0 | 2x | 3x | Details | ||||||||||||||
No welcome bonus |
0 | 1x | 3x | 3x | 4x | 2x | Details | |||||||||||
Unlimited Discover® Match — every mile earned in year 1 is matched, no minimum spend |
0 | 1.5x | Details | |||||||||||||||
No welcome bonus |
0 | 1x | 3x | 3x | 2x | Details | ||||||||||||
No welcome bonus |
$39 | 1.5x | Details |
Which card wins my spend?
| Card | Earns/yr | Fee | Net |
|---|---|---|---|
| Bilt Bilt Palladium | $1,320 | $495 | $825 |
| Citi Strata Elite℠ | $1,368 | $595 | $773 |
| Chase Freedom Unlimited® | $738 | $0 | $738 |
| Capital One Savor™ Rewards | $666 | $0 | $666 |
| Chase Sapphire Preferred® | $738 | $95 | $643 |
| American Express Amex® Gold Card | $960 | $325 | $635 |
| American Express Amex® Business Gold Card | $960 | $375 | $585 |
| Wells Fargo Autograph Journey® | $630 | $95 | $535 |
Earning value = rate × spend × per-point value (cited valuations, see each card). Caps and exclusions applied. Credits toggle adds the face value of stated annual credits.
Changelog — 10 most recent updates Full changelog →
- 2026-11-01 07:07 UTC verifiedcatalog · verified at set: 17 cards re-verified vs issuer pages
- 2026-11-01 03:07 UTC verifiedcatalog · verified at set: 16 cards re-verified vs issuer pages
- 2026-10-31 23:08 UTC verifiedcatalog · verified at set: 15 cards re-verified vs issuer pages
- 2026-10-31 19:07 UTC verifiedcatalog · verified at set: 14 cards re-verified vs issuer pages
- 2026-10-31 15:09 UTC verifiedcatalog · verified at set: 17 cards re-verified vs issuer pages
- 2026-10-31 11:09 UTC verifiedcatalog · verified at set: 16 cards re-verified vs issuer pages
- 2026-10-31 07:11 UTC Amazing Cash Business Visa® Credit Card added — Amazing Cash Business Visa® Credit Card
- 2026-10-31 03:17 UTC Business Advantage Customized Cash Rewards Mastercard® added — Business Advantage Customized Cash Rewards Mastercard®
- 2026-10-30 23:09 UTC fetch updateInk Business Preferred® · catalog note: Premier UR pooler: unlocks 1:1 transfers for Freedom/Ink Cash/Ink Unlimited points. New-cardmember bonus may be withheld for prior holders. → Premier UR pooler: unlocks 1:1 transfers for Freedom/Ink Cash/Ink Unlimited points. New-cardmember bonus may be withheld for prior holders. TARGETED: since 2026-10-30 Chase 'Just For You' / 'You're Already Approved' channels show 125,000 UR after $8,000 in 3 months (vs public 100K) — no public application link; DoC calls it best-ever, beating the earlier 120K branch offer (2026-10-30). Check targeted channels before applying. src
- 2026-10-30 23:09 UTC fetch updateInk Business Unlimited® · catalog note: Same family as Ink Business Cash — one bonus between the two (TTF). → Same family as Ink Business Cash — one bonus between the two (TTF). TARGETED: since 2026-10-30 Chase 'Just For You' / 'You're Already Approved' channels show $1,200 cash back after $6,000 in 3 months (vs public $750) — no public application link; DoC calls it best-ever (2026-10-30). Check targeted channels before applying. src