53 travel cards. One table.

All 53 US travel credit cards compared

Bonus, spend, fee and earning rates read from each issuer’s own page on October 23, 2026. Bonuses are valued at the median of published point valuations; value columns use our sample profile; your numbers will differ, so run the calculator.

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Card	Welcome bonus	Annual fee	Rewards & value per point	Top earning	Credits & yearly cost	Est. 1st yr*	Year 2+ value*each year after the first, after the fee
The Platinum Card® from American Express American Express Checked 2026-10-23	Welcome bonus · as high as 175,000 points ≈ $3,238 at 1.85¢ per point after $12,000 spend in 6 months	$895	Amex Membership Rewards Worth ~1.85¢/pt, median of 6 published valuations Upgraded Points 2.2¢ AwardWallet 2.04¢ The Points Guy 2.0¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.3¢ Range 1.3–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these	5x Flights; 5x Travel booked on the card’s own travel site; 1x other	$2,724stated credits/yrYearly cost after yr 1: $865	$3,096	−$142
Capital One Venture X Business Biz Capital One Checked 2026-10-23	Welcome bonus 150,000 miles + 150,000 more after $120,000 in 4 months (not in the $ figure) ≈ $2,550 at 1.7¢ per mile after $40,000 spend in 4 months	$395	Capital One Miles Worth ~1.7¢/mi, median of 7 published valuations AwardWallet 2.09¢ The Points Guy 1.85¢ Upgraded Points 1.8¢ Bankrate 1.7¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.45¢ NerdWallet 1.3¢ Range 1.3–2.09¢. Checked 2026-10-23. How we use these	10x Travel booked on the card’s own travel site; 2x other	$330stated credits/yrYearly cost after yr 1: $65	$992	$1,162
Chase Sapphire Reserve® Card Chase Checked 2026-10-23	Welcome bonus 100,000 points ≈ $2,000 at 2.0¢ per point after $6,000 spend in 3 months	$795	Chase Ultimate Rewards Worth ~2.0¢/pt, median of 7 published valuations AwardWallet 2.07¢ The Points Guy 2.05¢ Bankrate 2.0¢ (Bankrate value for Sapphire Reserve, Sapphire Preferred and Ink Preferred) Upgraded Points 2.0¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.4¢ (NerdWallet’s figure for Sapphire Preferred and Ink Preferred; it lists 1.8¢ for Sapphire Reserve holders) Range 1.4–2.07¢. Checked 2026-10-23. How we use these	8x Travel booked on the card’s own travel site; 4x Flights/Hotels; 1x other	$2,414stated credits/yrYearly cost after yr 1: $465	$2,559	$559
Ink Business Preferred® Credit Card Biz Chase Checked 2026-10-23	Welcome bonus 100,000 points ≈ $2,000 at 2.0¢ per point after $8,000 spend in 3 months	$95	Chase Ultimate Rewards Worth ~2.0¢/pt, median of 7 published valuations AwardWallet 2.07¢ The Points Guy 2.05¢ Bankrate 2.0¢ (Bankrate value for Sapphire Reserve, Sapphire Preferred and Ink Preferred) Upgraded Points 2.0¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.4¢ (NerdWallet’s figure for Sapphire Preferred and Ink Preferred; it lists 1.8¢ for Sapphire Reserve holders) Range 1.4–2.07¢. Checked 2026-10-23. How we use these	3x Flights/Hotels/Other travel/Travel booked on the card’s own travel site; 1x other	$0stated credits/yrYearly cost after yr 1: $95	$715	$715
American Express® Gold Card American Express Checked 2026-10-23	Welcome bonus · as high as 100,000 points ≈ $1,850 at 1.85¢ per point after $8,000 spend in 6 months	$325	Amex Membership Rewards Worth ~1.85¢/pt, median of 6 published valuations Upgraded Points 2.2¢ AwardWallet 2.04¢ The Points Guy 2.0¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.3¢ Range 1.3–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these	5x Travel booked on the card’s own travel site; 4x Dining; 1x other	$424stated credits/yrYearly cost after yr 1: $325	$2,840	$990
Citi® / AAdvantage® Executive World Legend Mastercard® Citi Checked 2026-10-23	Welcome bonus 125,000 miles ≈ $1,850 at 1.48¢ per mile after $15,000 spend in 5 months	$695	American AAdvantage Worth ~1.48¢/mi, median of 6 published valuations AwardWallet 2.56¢ NerdWallet 1.7¢ One Mile at a Time 1.5¢ The Points Guy 1.45¢ Upgraded Points 1.4¢ Frequent Miler (RRV) 1.4¢ Range 1.4–2.56¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x American Flights; 1x other	$930stated credits/yrYearly cost after yr 1: $665	−$205	−$205
Chase Sapphire Preferred® Card Chase Checked 2026-10-23	Welcome bonus 75,000 points ≈ $1,500 at 2.0¢ per point after $5,000 spend in 3 months	$95	Chase Ultimate Rewards Worth ~2.0¢/pt, median of 7 published valuations AwardWallet 2.07¢ The Points Guy 2.05¢ Bankrate 2.0¢ (Bankrate value for Sapphire Reserve, Sapphire Preferred and Ink Preferred) Upgraded Points 2.0¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.4¢ (NerdWallet’s figure for Sapphire Preferred and Ink Preferred; it lists 1.8¢ for Sapphire Reserve holders) Range 1.4–2.07¢. Checked 2026-10-23. How we use these	5x Travel booked on the card’s own travel site; 3x Dining; 1x other	$250stated credits/yrYearly cost after yr 1: $65	$2,439	$939
Delta SkyMiles® Platinum American Express Card American Express Checked 2026-10-23	Welcome bonus · as high as 90,000 miles + $300 statement credit ≈ $1,380 at 1.2¢ per mile, extras included after $4,000 spend in 6 months	$350	Delta SkyMiles Worth ~1.2¢/mi, median of 6 published valuations AwardWallet 1.37¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ One Mile at a Time 1.1¢ Frequent Miler (RRV) 1.1¢ Range 1.1–1.37¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Delta Flights; 3x Hotels; 1x other	$420stated credits/yrYearly cost after yr 1: $320	$1,613	$233
Capital One Venture X Rewards Credit Card Capital One Checked 2026-10-23	Welcome bonus 75,000 miles ≈ $1,275 at 1.7¢ per mile after $4,000 spend in 3 months	$395	Capital One Miles Worth ~1.7¢/mi, median of 7 published valuations AwardWallet 2.09¢ The Points Guy 1.85¢ Upgraded Points 1.8¢ Bankrate 1.7¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.45¢ NerdWallet 1.3¢ Range 1.3–2.09¢. Checked 2026-10-23. How we use these	10x Travel booked on the card’s own travel site; 2x other	$330stated credits/yrYearly cost after yr 1: $65	$2,267	$1,162
Capital One Venture Rewards Credit Card Capital One Checked 2026-10-23	Welcome bonus 75,000 miles ≈ $1,275 at 1.7¢ per mile after $4,000 spend in 3 months	$95	Capital One Miles Worth ~1.7¢/mi, median of 7 published valuations AwardWallet 2.09¢ The Points Guy 1.85¢ Upgraded Points 1.8¢ Bankrate 1.7¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.45¢ NerdWallet 1.3¢ Range 1.3–2.09¢. Checked 2026-10-23. How we use these	5x Travel booked on the card’s own travel site; 2x other	$30stated credits/yrYearly cost after yr 1: $65	$2,267	$992
Citi Strata Elite® Card Citi Checked 2026-10-23	Welcome bonus 75,000 points ≈ $1,275 at 1.7¢ per point after $6,000 spend in 3 months	$595	Citi ThankYou Points Worth ~1.7¢/pt, median of 6 published valuations AwardWallet 2.35¢ The Points Guy 1.9¢ NerdWallet 1.7¢ (NerdWallet’s figure for Strata Premier/Elite holders (1.2¢ for other Citi cards)) One Mile at a Time 1.7¢ Upgraded Points 1.6¢ Frequent Miler (RRV) 1.5¢ Range 1.5–2.35¢. No published value from Bankrate. Checked 2026-10-23. How we use these	12x Travel booked on the card’s own travel site; 3x Dining; 1.5x other	$730stated credits/yrYearly cost after yr 1: $565	$1,625	$350
Bilt Palladium Card Bilt Checked 2026-10-23	Welcome bonus 50,000 points + $300 Bilt Cash ≈ $1,250 at 1.9¢ per point, extras included after $4,000 spend in 3 months	$495	Bilt Points Worth ~1.9¢/pt, median of 6 published valuations The Points Guy 2.2¢ AwardWallet 2.1¢ Upgraded Points 2.0¢ NerdWallet 1.8¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.55¢ Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x Travel booked on the card’s own travel site; 1x Rent / mortgage paid by card; 2x other	$600stated credits/yrYearly cost after yr 1: $495	$1,937	$687
Delta SkyMiles® Gold American Express Card American Express Checked 2026-10-23	Welcome bonus · as high as 80,000 miles + $250 statement credit ≈ $1,210 at 1.2¢ per mile, extras included after $3,000 spend in 6 months	$150 $0 yr 1	Delta SkyMiles Worth ~1.2¢/mi, median of 6 published valuations AwardWallet 1.37¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ One Mile at a Time 1.1¢ Frequent Miler (RRV) 1.1¢ Range 1.1–1.37¢. No published value from Bankrate. Checked 2026-10-23. How we use these	2x Delta Flights; 2x Dining/Groceries; 1x other	$220+stated credits/yrYearly cost after yr 1: $150	$1,727	$367
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Citi Checked 2026-10-23	Welcome bonus 80,000 miles ≈ $1,184 at 1.48¢ per mile after $3,500 spend in 4 months	$99 $0 yr 1	American AAdvantage Worth ~1.48¢/mi, median of 6 published valuations AwardWallet 2.56¢ NerdWallet 1.7¢ One Mile at a Time 1.5¢ The Points Guy 1.45¢ Upgraded Points 1.4¢ Frequent Miler (RRV) 1.4¢ Range 1.4–2.56¢. No published value from Bankrate. Checked 2026-10-23. How we use these	2x American Flights; 2x Dining/Gas; 1x other	$0stated credits/yrYearly cost after yr 1: $99	$1,751	$468
United Club℠ Card Chase Checked 2026-10-23	Welcome bonus 90,000 miles ≈ $1,125 at 1.25¢ per mile after $5,000 spend in 3 months	$695	United MileagePlus Worth ~1.25¢/mi, median of 6 published valuations AwardWallet 2.09¢ One Mile at a Time 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these	5x United Flights; 2x Flights/Hotels/Other travel; 1x other	$890stated credits/yrYearly cost after yr 1: $695	$938	−$187
Aeroplan® Credit Card Chase Checked 2026-10-23	Welcome bonus 75,000 points + 40,000 more after $20,000 in 12 months (not in the $ figure) ≈ $1,088 at 1.45¢ per point after $4,000 spend in 3 months	$195	Air Canada Aeroplan Worth ~1.45¢/pt, median of 6 published valuations AwardWallet 1.86¢ The Points Guy 1.5¢ Upgraded Points 1.5¢ One Mile at a Time 1.4¢ Frequent Miler (RRV) 1.4¢ NerdWallet 1.1¢ Range 1.1–1.86¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Flights/Hotels/Other travel; 2x Groceries/Dining/Gas; 1x other	$130stated credits/yrYearly cost after yr 1: $165	$2,299	$631
IHG One Rewards Premier Credit Card Chase Checked 2026-10-23	Welcome bonus 180,000 points ≈ $1,080 at 0.6¢ per point after $3,000 spend in 3 months	$150	IHG One Rewards Worth ~0.6¢/pt, median of 6 published valuations AwardWallet 0.69¢ The Points Guy 0.6¢ NerdWallet 0.6¢ Frequent Miler (RRV) 0.59¢ Upgraded Points 0.5¢ One Mile at a Time 0.5¢ Range 0.5–0.69¢. No published value from Bankrate. Checked 2026-10-23. How we use these	10x IHG Hotels; 5x Flights/Dining/Groceries/Gas; 3x other	$300stated credits/yr + 1 free nightYearly cost after yr 1: −$280	$1,907	$1,127
Marriott Bonvoy Boundless® Credit Card Chase Checked 2026-10-23	Welcome bonus 3 Free Night Awards ≈ $1,080 each up to 50,000 pts × 0.72¢ after $3,000 spend in 3 months	$95	Marriott Bonvoy Worth ~0.72¢/pt, median of 6 published valuations AwardWallet 0.93¢ The Points Guy 0.75¢ Frequent Miler (RRV) 0.73¢ NerdWallet 0.7¢ Upgraded Points 0.7¢ One Mile at a Time 0.7¢ Range 0.7–0.93¢. No published value from Bankrate. Checked 2026-10-23. How we use these	6x Marriott Hotels; 3x Groceries/Gas/Dining; 2x other	$100stated credits/yr + 1 free nightYearly cost after yr 1: −$257	$1,576	$748
Citi Strata Premier® Card Citi Checked 2026-10-23	Welcome bonus 60,000 points ≈ $1,020 at 1.7¢ per point after $4,000 spend in 3 months	$95	Citi ThankYou Points Worth ~1.7¢/pt, median of 6 published valuations AwardWallet 2.35¢ The Points Guy 1.9¢ NerdWallet 1.7¢ (NerdWallet’s figure for Strata Premier/Elite holders (1.2¢ for other Citi cards)) One Mile at a Time 1.7¢ Upgraded Points 1.6¢ Frequent Miler (RRV) 1.5¢ Range 1.5–2.35¢. No published value from Bankrate. Checked 2026-10-23. How we use these	10x Travel booked on the card’s own travel site; 3x Flights/Hotels/Dining/Groceries/Gas; 1x other	$100stated credits/yrYearly cost after yr 1: $95	$2,062	$1,042
United Quest℠ Card Chase Checked 2026-10-23	Welcome bonus 80,000 miles ≈ $1,000 at 1.25¢ per mile after $4,000 spend in 3 months	$350	United MileagePlus Worth ~1.25¢/mi, median of 6 published valuations AwardWallet 2.09¢ One Mile at a Time 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x United Flights; 2x Flights/Hotels/Other travel; 1x other	$860stated credits/yrYearly cost after yr 1: $150	$1,358	$358
British Airways Visa Signature® Card Chase Checked 2026-10-23	Welcome bonus 75,000 Avios ≈ $923 at 1.23¢ per Avios after $5,000 spend in 3 months	$95	Avios (British Airways / Aer Lingus / Iberia) Worth ~1.23¢/Avios, median of 6 published valuations AwardWallet 2.55¢ (British Airways Club) The Points Guy 1.4¢ (Avios) Upgraded Points 1.25¢ (British Airways Avios (Aer Lingus Avios also 1.25¢)) NerdWallet 1.2¢ (British Airways Avios) One Mile at a Time 1.2¢ (British Airways Avios (Aer Lingus Avios also 1.2¢)) Frequent Miler (RRV) 1.1¢ (British Airways Avios) Range 1.1–2.55¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x British Airways / Aer Lingus / Iberia Flights; 2x Hotels; 1x other	$600stated credits/yrYearly cost after yr 1: $95	$1,228	$337
Aer Lingus Visa Signature® Card Chase Checked 2026-10-23	Welcome bonus 75,000 Avios ≈ $923 at 1.23¢ per Avios after $5,000 spend in 3 months	$95	Avios (British Airways / Aer Lingus / Iberia) Worth ~1.23¢/Avios, median of 6 published valuations AwardWallet 2.55¢ (British Airways Club) The Points Guy 1.4¢ (Avios) Upgraded Points 1.25¢ (British Airways Avios (Aer Lingus Avios also 1.25¢)) NerdWallet 1.2¢ (British Airways Avios) One Mile at a Time 1.2¢ (British Airways Avios (Aer Lingus Avios also 1.2¢)) Frequent Miler (RRV) 1.1¢ (British Airways Avios) Range 1.1–2.55¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x British Airways / Aer Lingus / Iberia Flights; 2x Hotels; 1x other	$0stated credits/yrYearly cost after yr 1: $95	$1,228	$337
JetBlue Plus Card Barclays Checked 2026-10-23	Welcome bonus 70,000 points ≈ $910 at 1.3¢ per point after $1,000 spend in 3 months	$99	JetBlue TrueBlue Worth ~1.3¢/pt, median of 6 published valuations NerdWallet 1.4¢ The Points Guy 1.35¢ Upgraded Points 1.3¢ One Mile at a Time 1.3¢ Frequent Miler (RRV) 1.3¢ AwardWallet 1.24¢ Range 1.24–1.4¢. No published value from Bankrate. Checked 2026-10-23. How we use these	6x JetBlue Flights; 2x Dining/Groceries; 1x other	$100stated credits/yrYearly cost after yr 1: $99	$1,371	$526
Hilton Honors American Express Aspire Card American Express Checked 2026-10-23	Welcome bonus 200,000 points ≈ $900 at 0.45¢ per point after $6,000 spend in 6 months	$550	Hilton Honors Worth ~0.45¢/pt, median of 6 published valuations AwardWallet 0.62¢ Upgraded Points 0.5¢ One Mile at a Time 0.5¢ The Points Guy 0.4¢ NerdWallet 0.4¢ Frequent Miler (RRV) 0.35¢ Range 0.35–0.62¢. No published value from Bankrate. Checked 2026-10-23. How we use these	14x Hilton Hotels; 7x Flights/Dining; 3x other	$819stated credits/yr + 2 free nightsYearly cost after yr 1: $250	$1,192	$292
Wells Fargo Autograph Journey℠ Card Wells Fargo Checked 2026-10-23	Welcome bonus 60,000 points ≈ $900 at 1.5¢ per point after $4,000 spend in 3 months	$95	Wells Fargo Rewards Worth ~1.5¢/pt, median of 5 published valuations AwardWallet 2.39¢ The Points Guy 1.75¢ Upgraded Points 1.5¢ NerdWallet 1.4¢ Frequent Miler (RRV) 1.4¢ Range 1.4–2.39¢. No published value from Bankrate, One Mile at a Time. Checked 2026-10-23. How we use these	5x Hotels; 4x Flights; 1x other	$50stated credits/yrYearly cost after yr 1: $45	$1,682	$782
United℠ Explorer Card Chase Checked 2026-10-23	Welcome bonus 70,000 miles ≈ $875 at 1.25¢ per mile after $3,000 spend in 3 months	$150 $0 yr 1	United MileagePlus Worth ~1.25¢/mi, median of 6 published valuations AwardWallet 2.09¢ One Mile at a Time 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x United Flights; 2x Hotels; 1x other	$460+stated credits/yrYearly cost after yr 1: $120	$1,373	$348
Southwest Rapid Rewards® Priority Credit Card Chase Checked 2026-10-23	Welcome bonus 60,000 points ≈ $780 at 1.3¢ per point after $2,000 spend in 3 months	$229	Southwest Rapid Rewards Worth ~1.3¢/pt, median of 6 published valuations AwardWallet 1.52¢ NerdWallet 1.4¢ Upgraded Points 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.25¢ One Mile at a Time 1.2¢ Range 1.2–1.52¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x Southwest Flights; 2x Gas/Dining; 1x other	$120stated credits/yrYearly cost after yr 1: $229	$1,049	$366
Atmos™ Rewards Ascent Visa Signature® credit card Bank of America Checked 2026-10-23	Welcome bonus 50,000 points ≈ $765 at 1.53¢ per point after $1,500 spend in 3 months	$95	Atmos Rewards (Alaska/Hawaiian) Worth ~1.53¢/pt, median of 6 published valuations AwardWallet 2.34¢ Upgraded Points 1.6¢ The Points Guy 1.55¢ One Mile at a Time 1.5¢ Frequent Miler (RRV) 1.5¢ NerdWallet 1.4¢ Range 1.4–2.34¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Alaska / Hawaiian Flights; 2x Gas/Other travel; 1x other	$0stated credits/yrYearly cost after yr 1: $95	$1,201	$436
IHG One Rewards Credit Card Chase Checked 2026-10-23	Welcome bonus 125,000 points ≈ $750 at 0.6¢ per point after $2,000 spend in 3 months	$0	IHG One Rewards Worth ~0.6¢/pt, median of 6 published valuations AwardWallet 0.69¢ The Points Guy 0.6¢ NerdWallet 0.6¢ Frequent Miler (RRV) 0.59¢ Upgraded Points 0.5¢ One Mile at a Time 0.5¢ Range 0.5–0.69¢. No published value from Bankrate. Checked 2026-10-23. How we use these	5x IHG Hotels; 3x Dining/Gas/Groceries; 2x other	$120stated credits/yrYearly cost after yr 1: $0	$1,270	$520
Bank of America® Premium Rewards® Elite credit card Bank of America Checked 2026-10-23	Welcome bonus 75,000 points ≈ $750 at 1.0¢ per point after $5,000 spend in 3 months	$550	Bank of America Points Worth ~1.0¢/pt, median of 3 published valuations NerdWallet 1.0¢ (listed as “Bank of America Travel Rewards”) Upgraded Points 1.0¢ AwardWallet 1.0¢ (value set manually by AwardWallet) Range 1.0–1.0¢. No published value from The Points Guy, Bankrate, One Mile at a Time, Frequent Miler (RRV). Checked 2026-10-23. How we use these	2x Dining/Flights/Hotels/Other travel/Travel booked on the card’s own travel site; 1.5x other	$480stated credits/yrYearly cost after yr 1: $220	$1,044	$294
Hilton Honors American Express Surpass® Card American Express Checked 2026-10-23	Welcome bonus 130,000 points + 1 Free Night Award ($150 each, our assumption) ≈ $735 at 0.45¢ per point, extras included after $3,000 spend in 6 months	$150	Hilton Honors Worth ~0.45¢/pt, median of 6 published valuations AwardWallet 0.62¢ Upgraded Points 0.5¢ One Mile at a Time 0.5¢ The Points Guy 0.4¢ NerdWallet 0.4¢ Frequent Miler (RRV) 0.35¢ Range 0.35–0.62¢. No published value from Bankrate. Checked 2026-10-23. How we use these	12x Hilton Hotels; 6x Dining/Groceries/Gas; 3x other	$200stated credits/yr + 1 free nightYearly cost after yr 1: $0	$1,349	$614
Marriott Bonvoy Brilliant® American Express® Card American Express Checked 2026-10-23	Welcome bonus 100,000 points ≈ $720 at 0.72¢ per point after $6,000 spend in 6 months	$650	Marriott Bonvoy Worth ~0.72¢/pt, median of 6 published valuations AwardWallet 0.93¢ The Points Guy 0.75¢ Frequent Miler (RRV) 0.73¢ NerdWallet 0.7¢ Upgraded Points 0.7¢ One Mile at a Time 0.7¢ Range 0.7–0.93¢. No published value from Bankrate. Checked 2026-10-23. How we use these	6x Marriott Hotels; 3x Dining/Flights; 2x other	$330stated credits/yr + 1 free nightYearly cost after yr 1: $8	$597	$489
Southwest Rapid Rewards® Premier Credit Card Chase Checked 2026-10-23	Welcome bonus 55,000 points ≈ $715 at 1.3¢ per point after $1,500 spend in 3 months	$149	Southwest Rapid Rewards Worth ~1.3¢/pt, median of 6 published valuations AwardWallet 1.52¢ NerdWallet 1.4¢ Upgraded Points 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.25¢ One Mile at a Time 1.2¢ Range 1.2–1.52¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Southwest Flights; 2x Groceries/Dining; 1x other	$120stated credits/yrYearly cost after yr 1: $149	$1,074	$437
Southwest Rapid Rewards® Plus Credit Card Chase Checked 2026-10-23	Welcome bonus 50,000 points ≈ $650 at 1.3¢ per point after $1,000 spend in 3 months	$99	Southwest Rapid Rewards Worth ~1.3¢/pt, median of 6 published valuations AwardWallet 1.52¢ NerdWallet 1.4¢ Upgraded Points 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.25¢ One Mile at a Time 1.2¢ Range 1.2–1.52¢. No published value from Bankrate. Checked 2026-10-23. How we use these	2x Southwest Flights; 2x Gas/Groceries; 1x other	$160stated credits/yrYearly cost after yr 1: $99	$1,020	$409
Bank of America® Premium Rewards® credit card Bank of America Checked 2026-10-23	Welcome bonus 60,000 points ≈ $600 at 1.0¢ per point after $4,000 spend in 3 months	$95	Bank of America Points Worth ~1.0¢/pt, median of 3 published valuations NerdWallet 1.0¢ (listed as “Bank of America Travel Rewards”) Upgraded Points 1.0¢ AwardWallet 1.0¢ (value set manually by AwardWallet) Range 1.0–1.0¢. No published value from The Points Guy, Bankrate, One Mile at a Time, Frequent Miler (RRV). Checked 2026-10-23. How we use these	2x Dining/Flights/Hotels/Other travel/Travel booked on the card’s own travel site; 1.5x other	$125stated credits/yrYearly cost after yr 1: −$30	$1,144	$544
Royal ONE Plus™ Visa Signature® Credit Card Bank of America Checked 2026-10-23	Welcome bonus 60,000 points ≈ $600 at 1.0¢ per point after $2,500 spend in 3 months	$99	Royal ONE Rewards points Worth 1.0¢ per cent (cash back)	4x Royal Caribbean / Celebrity / Silversea Cruises; 2x Flights/Hotels/Dining/Groceries/Gas; 1x other	$30+stated credits/yrYearly cost after yr 1: $69	$1,021	$421
Delta SkyMiles® Reserve American Express Card American Express Checked 2026-10-23	Welcome bonus 50,000 miles ≈ $600 at 1.2¢ per mile after $10,000 spend in 6 months	$650	Delta SkyMiles Worth ~1.2¢/mi, median of 6 published valuations AwardWallet 1.37¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ One Mile at a Time 1.1¢ Frequent Miler (RRV) 1.1¢ Range 1.1–1.37¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Delta Flights; 1x other	$590stated credits/yrYearly cost after yr 1: $620	$353	−$247
United℠ Gateway Card Chase Checked 2026-10-23	Welcome bonus 40,000 miles ≈ $500 at 1.25¢ per mile after $1,000 spend in 3 months	$0	United MileagePlus Worth ~1.25¢/mi, median of 6 published valuations AwardWallet 2.09¢ One Mile at a Time 1.3¢ Frequent Miler (RRV) 1.3¢ The Points Guy 1.2¢ NerdWallet 1.2¢ Upgraded Points 1.2¢ Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these	2x United Flights; 2x Gas; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$934	$434
World of Hyatt Credit Card Chase Checked 2026-10-23	Welcome bonus 30,000 points ≈ $474 at 1.58¢ per point after $3,000 spend in 3 months	$95	World of Hyatt Worth ~1.58¢/pt, median of 6 published valuations AwardWallet 2.19¢ NerdWallet 1.8¢ The Points Guy 1.65¢ Frequent Miler (RRV) 1.5¢ Upgraded Points 1.4¢ One Mile at a Time 1.4¢ Range 1.4–2.19¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x Hyatt Hotels; 2x Dining/Flights/Other travel; 1x other	$0stated credits/yr + 2 free nightsYearly cost after yr 1: −$205	$1,147	$823
Hilton Honors American Express Card American Express Checked 2026-10-23	Welcome bonus 70,000 points + 1 Free Night Award ($150 each, our assumption) ≈ $465 at 0.45¢ per point, extras included after $2,000 spend in 6 months	$0	Hilton Honors Worth ~0.45¢/pt, median of 6 published valuations AwardWallet 0.62¢ Upgraded Points 0.5¢ One Mile at a Time 0.5¢ The Points Guy 0.4¢ NerdWallet 0.4¢ Frequent Miler (RRV) 0.35¢ Range 0.35–0.62¢. No published value from Bankrate. Checked 2026-10-23. How we use these	7x Hilton Hotels; 5x Dining/Groceries/Gas; 3x other	$0stated credits/yrYearly cost after yr 1: $0	$1,014	$549
Capital One VentureOne Rewards Credit Card Capital One Checked 2026-10-23	Welcome bonus 20,000 miles ≈ $340 at 1.7¢ per mile after $500 spend in 3 months	$0	Capital One Miles Worth ~1.7¢/mi, median of 7 published valuations AwardWallet 2.09¢ The Points Guy 1.85¢ Upgraded Points 1.8¢ Bankrate 1.7¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.45¢ NerdWallet 1.3¢ Range 1.3–2.09¢. Checked 2026-10-23. How we use these	5x Travel booked on the card’s own travel site; 1.25x other	$0stated credits/yrYearly cost after yr 1: $0	$1,001	$661
Marriott Bonvoy Bold® Credit Card Chase Checked 2026-10-23	Welcome bonus 45,000 points ≈ $324 at 0.72¢ per point after $1,000 spend in 3 months	$0	Marriott Bonvoy Worth ~0.72¢/pt, median of 6 published valuations AwardWallet 0.93¢ The Points Guy 0.75¢ Frequent Miler (RRV) 0.73¢ NerdWallet 0.7¢ Upgraded Points 0.7¢ One Mile at a Time 0.7¢ Range 0.7–0.93¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Marriott Hotels; 2x Groceries; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$600	$276
Royal ONE™ Visa Signature® Credit Card Bank of America Checked 2026-10-23	Welcome bonus 30,000 points ≈ $300 at 1.0¢ per point after $1,500 spend in 3 months	$0	Royal ONE Rewards points Worth 1.0¢ per cent (cash back)	3x Royal Caribbean / Celebrity / Silversea Cruises; 2x Groceries/Gas; 1x other	$0+stated credits/yrYearly cost after yr 1: $0	$707	$407
Wells Fargo Autograph® Card Wells Fargo Checked 2026-10-23	Welcome bonus 20,000 points ≈ $300 at 1.5¢ per point after $1,000 spend in 3 months	$0	Wells Fargo Rewards Worth ~1.5¢/pt, median of 5 published valuations AwardWallet 2.39¢ The Points Guy 1.75¢ Upgraded Points 1.5¢ NerdWallet 1.4¢ Frequent Miler (RRV) 1.4¢ Range 1.4–2.39¢. No published value from Bankrate, One Mile at a Time. Checked 2026-10-23. How we use these	3x Dining/Flights/Hotels/Other travel/Travel booked on the card’s own travel site/Gas; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$1,124	$824
Wyndham Rewards Earner® Plus Card Barclays Checked 2026-10-23	Welcome bonus 45,000 points ≈ $293 at 0.65¢ per point after $1,000 spend in 3 months	$95	Wyndham Rewards Worth ~0.65¢/pt, median of 6 published valuations AwardWallet 1.4¢ Upgraded Points 0.9¢ NerdWallet 0.7¢ One Mile at a Time 0.6¢ Frequent Miler (RRV) 0.57¢ The Points Guy 0.55¢ Range 0.55–1.4¢. No published value from Bankrate. Checked 2026-10-23. How we use these	6x Wyndham Hotels; 4x Dining/Groceries/Flights/Hotels/Other travel; 1x other	$0stated credits/yrYearly cost after yr 1: $95	$725	$530
Bank of America® Travel Rewards credit card Bank of America Checked 2026-10-23	Welcome bonus 25,000 points ≈ $250 at 1.0¢ per point after $1,000 spend in 3 months	$0	Bank of America Points Worth ~1.0¢/pt, median of 3 published valuations NerdWallet 1.0¢ (listed as “Bank of America Travel Rewards”) Upgraded Points 1.0¢ AwardWallet 1.0¢ (value set manually by AwardWallet) Range 1.0–1.0¢. No published value from The Points Guy, Bankrate, One Mile at a Time, Frequent Miler (RRV). Checked 2026-10-23. How we use these	1.5x other	$0stated credits/yrYearly cost after yr 1: $0	$717	$467
U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank Checked 2026-10-23	Welcome bonus 20,000 points ≈ $200 at 1.0¢ per point after $1,000 spend in 3 months	$0	U.S. Bank Altitude Points Worth ~1.0¢/pt, median of 1 published valuation AwardWallet 1.0¢ (Altitude Rewards, value set manually by AwardWallet) Only one published value found. No published value from The Points Guy, NerdWallet, Bankrate, Upgraded Points, One Mile at a Time, Frequent Miler (RRV). Checked 2026-10-23. How we use these	5x Travel booked on the card’s own travel site; 4x Flights/Hotels/Other travel; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$844	$644
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank Checked 2026-10-23	Welcome bonus 20,000 points ≈ $200 at 1.0¢ per point after $1,000 spend in 3 months	$0	U.S. Bank Altitude Points Worth ~1.0¢/pt, median of 1 published valuation AwardWallet 1.0¢ (Altitude Rewards, value set manually by AwardWallet) Only one published value found. No published value from The Points Guy, NerdWallet, Bankrate, Upgraded Points, One Mile at a Time, Frequent Miler (RRV). Checked 2026-10-23. How we use these	4x Dining; 2x Groceries; 1x other	$15stated credits/yrYearly cost after yr 1: −$15	$742	$542
Norwegian Cruise Line® World Mastercard® Bank of America Checked 2026-10-23	Welcome bonus 20,000 points ≈ $200 at 1.0¢ per point after $1,000 spend in 3 months	$0	Norwegian WorldPoints Worth 1.0¢ per cent (cash back)	3x Norwegian (NCL) Cruises; 2x Flights/Hotels; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$546	$346
Princess® Rewards Visa® Card Barclays Checked 2026-10-23	Welcome bonus 20,000 points ≈ $200 at 1.0¢ per point after $1,000 spend in 3 months	$0	Princess Rewards Visa points Worth 1.0¢ per cent (cash back)	2x Princess Cruises; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$511	$311
Holland America Line Rewards Visa® Card Barclays Checked 2026-10-23	Welcome bonus 20,000 points ≈ $200 at 1.0¢ per point after $1,000 spend in 3 months	$0	Holland America Line Rewards Visa points Worth 1.0¢ per cent (cash back)	2x Holland America Cruises; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$511	$311
Bilt Obsidian Card Bilt Checked 2026-10-23	Welcome bonus $200 Bilt Cash ≈ $200 $1 Bilt Cash valued at 100¢ (our assumption) no spend requirement stated	$95	Bilt Points Worth ~1.9¢/pt, median of 6 published valuations The Points Guy 2.2¢ AwardWallet 2.1¢ Upgraded Points 2.0¢ NerdWallet 1.8¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.55¢ Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these	4x Travel booked on the card’s own travel site; 3x Dining; 1x other	$100stated credits/yrYearly cost after yr 1: $95	$1,059	$859
Bilt Blue Card Bilt Checked 2026-10-23	Welcome bonus $100 Bilt Cash ≈ $100 $1 Bilt Cash valued at 100¢ (our assumption) no spend requirement stated	$0	Bilt Points Worth ~1.9¢/pt, median of 6 published valuations The Points Guy 2.2¢ AwardWallet 2.1¢ Upgraded Points 2.0¢ NerdWallet 1.8¢ One Mile at a Time 1.7¢ Frequent Miler (RRV) 1.55¢ Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these	3x Travel booked on the card’s own travel site; 1x Rent / mortgage paid by card; 1x other	$0stated credits/yrYearly cost after yr 1: $0	$691	$591

Bonus $ = headline welcome offer × the median published value per point (extras such as statement credits included; extra spend tiers not). Credits = the face value the issuer states per year (one-time, spend-gated and free-night credits not in the $ figure). Yearly cost after yr 1 = annual fee − the credits we tick by default (easy, flexible ones; our assumption). Year 2+ value = earning + annual points + those credits − the annual fee, each year after the first. *Our estimate at the sample profile ($31,100/yr spend, no favorite airline/hotel). Not a rating or a recommendation.

Cards we couldn’t verify (not included)

The Business Platinum Card® from American Express: Offer and benefits load by script; our checker could not read them on 2026-10-23. Issuer link
American Express® Business Gold Card: Same as above. Issuer link
American Express® Green Card: The card URL redirected to Amex’s all-cards page on 2026-10-23.
AAdvantage® Aviator® Red World Elite Mastercard® (Barclays): Issuer page returned 404 on 2026-10-23.