Mr. Money Mustache Top Credit Cards From Our Partners

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Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months.

This card has an ongoing rewards earning rate of 6% cash back at U.S. supermarkets (up to $6k spent annually, then 1%) and 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit including taxis/rideshares, bus and train fares, tolls, parking and more; and 1% cash back on other purchases.

AnnualFees

Credit needed: CreditScoreNeeded

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Earn 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel. Annual fee is AnnualFees. No foreign transaction fees. Redeem your miles directly to book travel or request a refund for travel you’ve booked on this card. That means that if you charge air, bus, taxi or hotel expenses to this card, you can submit a request for those expenses to be credited back to your account. This card offers great flexibility as the benefits are not tied to any single travel company.

Each dollar you spend is worth two miles, which essentially means you get 2% back on all purchases. You can fly any airline, stay at any hotel, anytime and you don’t have to worry about blackout dates. Plus you can transfer your miles to numerous leading travel loyalty programs. Additionally, you can earn 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 3 Free Night Awards after you spend $6,000 in eligible purchases within the first six months of card membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply. Additionally, users earn six points for every eligible $1 spent at participating Marriott Bonvoy hotels; four points per $1 at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; and two points per $1 on all other eligible purchases.

There’s an annual fee of AnnualFees, but this cost is easily offset with the Free Night Award (valued up to 35,000 points) that’s awarded each year after your card renewal month. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year and enjoy a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express card member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business card rate.

Credit needed: CreditScoreNeeded

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Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.

Here’s a fun fact: this card earns you cash back when you buy and when you pay! With the CardName you’ll earn 2% on every purchase with unlimited 1% cash back when you buy, and an additional 1% cash back as you pay for those purchases (you must make at least the minimum payment on time to earn cash back). And the best part of all is that you’ll earn unlimited cash back on every purchase made – and there’s no annual fee.

There’s also an introductory offer of 0% APR for 18 months on balance transfers; after that the variable APR will be RegAPR, based on your creditworthiness. Be aware though that there is a balance transfer fee: BalanceTransferFees Citi is a CardRatings advertiser.

Credit needed: CreditScoreNeeded

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Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months.

This card has an ongoing rewards earning rate of 6% cash back at U.S. supermarkets (up to $6k spent annually, then 1%) and 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit including taxis/rideshares, bus and train fares, tolls, parking and more; and 1% cash back on other purchases.

AnnualFees

Credit needed: CreditScoreNeeded

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For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first three months from account opening

With this card you’ll earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; and 1% Cash Back on all other purchases. There’s no annual fee and you won’t be charged foreign transaction fees, so feel free to take your food hobby global.

Credit needed: CreditScoreNeeded

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Enjoy a one-time $200 cash-back bonus after spending just $500 on purchases in the first three months. On an ongoing basis, use this card to earn 1.5% cash back on all your purchases everyday with no spending caps or specific categories to keep up with and rest assured knowing your points won’t expire for the life of the account. Enjoy a 0% intro period of 15 months on purchases and balance transfers (balance transfer fee applies). After the intro period, the interest rate goes to RegAPR.

No annual fee.

If you’re looking for a good card to take abroad, this one fits the bill as you won’t be charged foreign transaction fees, but you will receive travel accident protection against covered incidents as well as rental car collision coverage. Not bad perks at all for a card that doesn’t charge an annual fee.

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For the crowd that likes to buy their ketchup in bulk, but also wants cash back things like gas and travel, this is the card for you. There’s no annual fee (besides your Costco membership fee) and cardholders earn 4% cash back on up to $7,000 annually of eligible gas and EV charging purchases; 3% back at restaurants and on eligible travel purchases; 2% back on purchases and Costco and Costco.com; and 1% back on other purchases.

Cash back earned is awarded annually in the form of a credit card reward certificate that can be redeemed for cash or merchandise at U.S. Costco warehouses.

Credit needed: CreditScoreNeeded

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A unique no-annual-fee card that allows users to select two categories from a list of several each quarter in which they’ll earn 5% cash back on the first $2,000 in combined spending in those categories. Additionally, earn 5% back on prepaid air, hotel and car reservations booked directly through the Rewards Center, 2% back in an “everyday” choice category such as gas or at grocery stores, and earn 1% back on all other eligible purchases.

Earn a $200 cash-back bonus after you spend $1,000 on purchases within the first 120 from account opening.

Credit needed: CreditScoreNeeded

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A simple no-annual-fee cash-back card for your business. Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months. On an ongoing basis, earn 2% cash back on all eligible purchases, up to $50k spent per calendar year and 1% after that. Cash back earned is automatically credited to your account statement.

You can also take advantage of an introductory 12 months no interest on purchases. After the intro, the APR becomes RegAPR. 

Credit needed: CreditScoreNeeded

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Thanks to an intro 0% APR on balance transfers for 21 months from date of first transfer (all transfers must be completed in four months) as well as 12 months on purchases from date of account opening, this card is ideal for anyone looking to consolidate and get rid of existing debt without incurring high interest, or for a person planning to make a big purchase and who needs some extra time to pay it off. Regular APR of reg_apr,reg_apr_type applies after the introductory periods expire. (BalanceTransferFees)

Using this card doesn’t earn traditional rewards like miles or points; however, saving money on interest charges could be worth more than rewards to you right now. With no annual fee to worry about, this card could make a nice addition to your wallet.

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Enjoy a one-time $200 cash-back bonus after spending just $500 on purchases in the first three months. On an ongoing basis, use this card to earn 1.5% cash back on all your purchases everyday with no spending caps or specific categories to keep up with and rest assured knowing your points won’t expire for the life of the account. Take advantage of an introductory 15 months no interest on purchases and balance transfers (balance transfer fee applies). After the intro period, the interest rate goes to RegAPR.

No annual fee.

If you’re looking for a good card to take abroad, this one fits the bill as you won’t be charged foreign transaction fees, but you will receive travel accident protection against covered incidents as well as rental car collision coverage. Not bad perks at all for a card that doesn’t charge an annual fee.

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months.

This premium travel card offers plenty of perks and rewards earning opportunities to help you offset a relatively low annual fee for a premium card. Cardholders can earn $300 annual credit for purchases through Capital One Travel and up to $120 for your Global Entry or TSA PreCheck application fee. Plus, take advantage of unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network. Earn 10X miles on hotel and rental car bookings through Capital One Travel and 5X miles on airfare and vacation rental bookings through Capital One Travel. Earn a solid 2X miles on all your other purchases. Annual fee is AnnualFees.

Credit needed: CreditScoreNeeded

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Earn 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel! Annual fee is AnnualFees. No foreign transaction fees. Redeem your miles directly to book travel or request a refund for travel you’ve booked on this card. That means that if you charge air, bus, taxi or hotel expenses to this card, you can submit a request for those expenses to be credited back to your account. This card offers great flexibility as the benefits are not tied to any single travel company.

Each dollar you spend is worth two miles, which essentially means you get 2% back on all purchases. You can fly any airline, stay at any hotel, anytime and you don’t have to worry about blackout dates. Plus you can transfer your miles to numerous leading travel loyalty programs. Additionally, you can earn 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel.

Credit needed: CreditScoreNeeded

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The no-fee little sister to the CardName above. Earn a bonus of 20,000 miles once you spend $500 on purchases within three months from account opening, equal to $200 in travel. No annual Fee. No foreign transaction fee. Your miles can be redeemed as cash back in the form of statement credits for travel expenses. That means that if you charge air, bus, taxi or hotel expenses to this card you can submit a request for those expenses to be credited back to your account. Plus, you can transfer your miles to numerous leading travel loyalty programs. Each dollar you spend is worth 1.25 miles.

Credit needed: CreditScoreNeeded

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With excellent rewards earning on everyday purchases as well as some attractive statement credits, this card flies under the radar, but offers solid value. Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X on travel; 4X at gas stations and EV charging stations through September 8, 2024, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded); 2X on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024); 1X point on all other eligible purchases. Additionally, save with a $30 credit for annual streaming purchases like those with Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max and more.

Earn 50,000 bonus points after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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As the only credit card that automatically rounds up to the nearest 10 points on every purchase with no cap, this card is a great way to earn rewards fast. Earn two ThankYou® Points at supermarkets and gas stations for the first $6,000 you spend with the card in those categories each year, and then one point beyond that, as well as on every other purchase you make. Because of the point roundup, a $2 coffee would earn 10 points, a $26 dinner 30, etc.

Earn 20,000 bonus ThankYou® Points after making $1,500 in purchases within the first three months. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

There is a no annual fee, and as an added bonus, you’ll get 10% of your points back for the first 100,000 ThankYou® Points you redeem per year. For example, if you redeem 50,000 points, you’ll get 5,000 points back.

Credit needed: CreditScoreNeeded

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American Express Membership Rewards are highly valued among the travel rewards-seeking community. For a limited time, you’ll earn 60,000 points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership. Additionally, earn 4X points per $1 spent on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year), then 1X points; 4X points per $1 spent at US supermarkets (on up to $25,000 in purchases per calendar year) then 1X points; 3X points per $1 spent on flights booked directly with airlines or on AmexTravel.com; 2X points per $1 spent on prepaid hotels and other eligible purchases booked on AmexTravel.com; and 1X point per $1 spent on all other eligible purchases.

Your benefits continue with the ability to earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This is an annual savings of up to $120. Plus, add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.  Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.Enrollment required for select benefits.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Earn 80,000 Membership Rewards points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. Also, enjoy five points per $1 spent on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year) as well as on hotel stays booked through amextravel.com.

The AnnualFees annual fee is significantly offset by an up to $200 airline fee credit for baggage fees and more with one pre-selected airline and up to $200 Uber savings annually. In fact, cardholders can enjoy benefits worth more than $1,400. Cardholders also can enjoy complimentary airport lounge access around the globe. Terms Apply. Enrollment required for select benefits. 

Credit needed: CreditScoreNeeded

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Take in for a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first three months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

The annual fee is AnnualFees.

The current bonus offer is a nice bank of points to get you started, so it’s a good time to apply if you’ve been looking for a general travel rewards credit card. ThankYou® Points are transferable to a number of airline loyalty programs or redeem your points through the ThankYou Travel Center. On an ongoing basis, you can earn 10x on hotels, car rentals, and attractions booked through CitiTravel.com. Earn 3 points per $1 spent on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations. Earn 1 point per $1 spent on all other purchases

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This is the rare no-annual-fee hotel rewards card and it’s a good one.

Earn seven Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands; earn five points per $1 at U.S. supermarkets, U.S. gas stations and U.S. restaurants; and earn three points per $1 on other eligible purchases.

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership. Offer ends 1/8/2025.

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Limited Time Offer: Earn 175,000 Hilton Honors bonus points after you spend $8,000 in purchases within the first six months of card membership. Offer ends 1/8/2025.

Annual fee is AnnualFees.

In addition to the welcome offer, you’ll earn 12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made using the card on the first $100,000 in purchases each calendar year; and 3X points thereafter. Plus, enjoy complimentary Hilton Honors^TM Gold Status with your card, that gives you benefits at hotels and resorts within the Hilton Portfolio and allows you to earn an 80% bonus on all base points you earn on every stay getting you to free nights faster.

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Welcome Offer: Earn 3 Free Night Awards after you spend $6,000 in eligible purchases within the first six months of card membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply. Additionally, users earn six points for every eligible $1 spent at participating Marriott Bonvoy hotels; four points per $1 at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; and two points per $1 on all other eligible purchases.

There’s an annual fee of AnnualFees, but this cost is easily offset with the Free Night Award (valued up to 35,000 points) that’s awarded each year after your card renewal month. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year and enjoy a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express card member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business card rate.

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Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in the first three months with your card. There is a nice bonus on this card, so it could be a good time to apply. Earn two AAdvantage® bonus miles for every $1 spent at gas stations, restaurants and on eligible American Airlines purchases. Also earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card.

Annual fee: AnnualFees

There are no foreign transaction fees and your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. Enjoy preferred boarding on American Airlines flights and receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.

Credit needed: CreditScoreNeeded

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Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.

The AnnualFees annual fee not waived for the first year.

This card provides Admirals Club® airport lounge access for you and guests with you, so if you really love that Admiral’s Club, this may be the card for you. Additionally, it also reimburses you with up to a $100 credit for your Global Entry or TSA PreCheck application fee every 5 years. You and up to eight traveling companions can check your first bags for free on domestic itineraries and you’ll enjoy priority boarding privileges as well.

Credit needed: CreditScoreNeeded

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Rack up two AAdvantage® miles per $1 on your everyday purchases at grocery stores (including grocery delivery services) and on your American Airlines purchases. Earn one mile per $1 on everything else.

No annual fee.

Earn 15,000 American Airlines AAdvantage® bonus miles after making $1000 in purchases within the first three months of account opening.

Credit needed: CreditScoreNeeded

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Earn a limited time 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first five months of account opening.

Annual fee: AnnualFees

You and up to four traveling companions can check the first bag for free on domestic itineraries. You will also receive a 25% discount on your in-flight WiFi purchases when you use your card. Reward flights are available for as little as 7,500 miles so the intro bonus alone could be enough for multiple round-trip tickets.

Credit needed: CreditScoreNeeded

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Earn 50,000 bonus miles after you spend $2,000 in eligible purchases on your new card in your first six months of card membership.

AnnualFees Earn 2X miles on Delta purchases, at restaurants worldwide (plus delivery and takeout in the U.S.) and at U.S. supermarkets, and 1X mile on all other eligible purchases. Check your first bag free on Delta flights.

Credit needed: CreditScoreNeeded

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Earn 60,000 bonus miles after you spend $3,000 in eligible purchases on your new card in your first six months of card membership.

Earn 3X miles on Delta purchases and purchases made directly with hotels and 2X miles at restaurants worldwide (including takeout and delivery in the U.S.) and at U.S. supermarkets. Earn 1X mile on all other eligible purchases.

You can more than offset the AnnualFees annual fee thanks to the Companion Certificate you can earn a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

Credit needed: CreditScoreNeeded

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Earn 60,000 bonus miles after spending $4,000 in purchases on your new card in your first six months of card membership.

AnnualFees.

Take advantage of perks such as a free checked bag and Zone 5 priority boarding. Additionally, you get to, essentially, take $200 off your next Delta flight – after you spend $10,000 in purchases on your card in a calendar year, you will earn a $200 Delta Flight Credit to use toward future travel. That “bonus” opportunity is available each year, which is always nice to see.

Credit needed: CreditScoreNeeded

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Earn 70,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership.

Rewards: Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more (terms and miles cap apply). *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. 1 mile on every eligible dollar spent on other purchases. Additionally, get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles Platinum Business American Express Card.

Annual fee of AnnualFees.

Credit needed: CreditScoreNeeded

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Earn 10,000 bonus miles after you spend $1,000 in purchases on your new card in your first six months. On an ongoing basis, earn 2X miles per dollar at restaurants, now worldwide, as well as on Delta purchases. Earn 1X mile on all other eligible purchases. That’s a nice earning rate for a branded card that doesn’t charge an annual fee.

Branded cards that offer you more than one mile per $1 spent on anything outside of the brand are fantastic options for people who do appreciate the discounted or free reward flights from time to time, but don’t really fly enough to rack up miles on purchases with the airline alone.

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This elite business card is for the truly Delta loyal business travelers.

Earn 80,000 bonus miles after spending $10,000 in purchases on your new card in your first six months of card membership.

Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.