$50 credit when you make a purchase of at least $15 and pay the minimum payment due on your first statement on time.

None/Not advertised (Focus is on credit building)

Zero Liability protection;
Mobile app for account management;
Credit building assistance;
Payment flexibility

Visa

12 months

Varies;
may be as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership.
Welcome offers vary.

5X Membership Rewards® Points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year.
5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
1X Membership Rewards® Point on all other eligible purchases.

Airport Lounge Access (Amex Global Lounge Collection);
Up to $200 Airline Fee Credit (for incidental fees at one selected airline);
Up to $600 Hotel Credit (semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings);
Up to $400 Resy Credit (quarterly);
Up to $200 Uber Cash (monthly plus a December bonus);
Up to $300 Digital Entertainment Credit (monthly);
Fee Credit for Global Entry or TSA PreCheck;
Complimentary Gold Status with Hilton Honors and Marriott Bonvoy (enrollment required);
and more.

American Express

Zero, this is a Charge Card, the APR for the Pay Over Time feature is variable

N/A

None

Free travel insurance;
Free Visa Identity Theft Monitoring through NortonLifeLock™;
No balance transfer fee

Visa

N/A

N/A

1% of each purchase (Points Reward on retail purchases)

Everyday Reward points redemption for merchandise;
Automobile rental insurance;
Cell phone protection ($600 per claim, up to 2 per year);
Identity Theft Resolution Services;
Extended Warranty;
Zero Liability Protection;
Auto Rental Insurance;
MasterCard Global Service™

MasterCard

N/A

N/A

None

No annual fee;
Official credit card of the National Alumni Association;
25-day grace period for new purchases;
Auto Rental Insurance;
Cell phone protection ($600 per claim, up to 2 per year)

MasterCard

N/A

85,000 Bonus Points after spending $5K in purchases in the first 6 months

6X points at hotels participating in Marriott Bonvoy;
4X points at restaurants worldwide and U.S.
supermarkets;
2X points on all other eligible purchases

1 Free Night Award after $15,000 spend;
15 Elite Night Credits;
Complimentary Gold Elite status;
1,000 Bonus Points per paid eligible stay;
No Foreign Transaction Fees

American Express

None

$200 statement credit after $1,000 in purchases within the first 3 months

Unlimited 1.5% cash back on eligible purchases (deposited into an eligible Schwab investment account)

Car Rental Loss & Damage Insurance;
Extended Warranty;
Purchase Protection;
No Annual Fee

American Express

0% on purchases for 6 months

N/A (Varies)

6X points at hotels participating in Marriott Bonvoy;
3X points at U.S.
restaurants and on flights booked directly with airlines;
2X points on all other eligible purchases

Complimentary Platinum Elite Status;
Annual Free Night Award (up to 85K points);
up to $300 back per year as statement credits for eligible purchases at restaurants worldwide;
Priority Pass Select;
No Foreign Transaction Fees

American Express

None

175,000 Hilton Honors Bonus Points after spending $6,000 in purchases in the first 6 months

14X points at hotels participating in Hilton portfolio;
7X points on flights booked directly with airlines or amextravel.com, and on car rentals booked directly with select companies;
7X points at U.S.
restaurants;
3X points on all other eligible purchases

Complimentary Diamond Status;
Annual Free Night Reward;
up to $400 Hilton Resort Credit (up to $200 semi-annually);
up to $200 flight credit (up to $50 per quarter);
Priority Pass Select;
No Foreign Transaction Fees

American Express

None

130,000 Hilton Honors Bonus Points after spending $3,000 in purchases in the first 6 months

12X points at hotels in the Hilton portfolio;
6X points at U.S.
restaurants, U.S.
supermarkets, and U.S.
gas stations;
4X points on U.S.
Online Retail Purchases;
3X points on all other eligible purchases

Complimentary Gold Status;
Free Night Reward after spending $15,000 in a calendar year;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically up to 70K - 100K points)

7X points at hotels in the Hilton portfolio;
5X points at U.S.
supermarkets, U.S.
restaurants, and U.S.
gas stations;
3X points on all other eligible purchases

Complimentary Silver Status;
Gold Status after spending $20,000 in a calendar year;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically 60K-100K miles + MQDs)

3X miles on Delta purchases;
1X mile on all other eligible purchases

Delta Sky Club and Centurion Lounge access (when flying Delta);
Annual Companion Certificate (First Class, Comfort+, or Main Cabin);
First checked bag free;
Global Entry/TSA PreCheck credit;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically 50K-80K miles + MQDs)

3X miles on Delta purchases and on direct hotel bookings;
2X miles at restaurants and U.S.
supermarkets;
1X mile on all other eligible purchases

Annual Companion Certificate (Main Cabin);
First checked bag free;
Global Entry/TSA PreCheck credit;
No Foreign Transaction Fees

American Express

None

80,000 Bonus Miles after spending $3,000 in eligible purchases in the first 6 months

2X miles on Delta purchases, at restaurants, and at U.S.
supermarkets;
1X mile on all other eligible purchases

First checked bag free;
Priority Boarding;
15% off Award Travel on Delta flights;
$100 Delta Stays Credit;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically 10K miles)

2X miles at restaurants worldwide and on Delta purchases;
1X mile on all other eligible purchases

20% savings on eligible in-flight purchases;
Pay with Miles

American Express

None

$250 statement credit after spending $3,000 in eligible purchases in the first 6 months

6% cash back at U.S.
supermarkets (up to $6,000/yr, then 1%);
6% on select U.S.
streaming subscriptions;
3% at U.S.
gas stations and on transit;
1% on all other purchases

$7 monthly Disney Bundle Credit;
Purchase Protection;
Extended Warranty

American Express

0% on purchases and balance transfers for 12 months

$200 statement credit after spending $2,000 in purchases in the first 6 months

3% cash back at U.S.
supermarkets, U.S.
gas stations, and U.S.
online retail purchases (up to $6,000/yr in each category, then 1%);
1% on all other purchases

Up to $7 monthly Disney Bundle Credit;
Purchase Protection;
Extended Warranty;
No Annual Fee

American Express

0% on purchases and balance transfers for 15 months

N/A (Invitation Only)

1 point per eligible dollar spent

Dedicated personal concierge;
Centurion Lounge access;
Delta SkyMiles Platinum Medallion Status;
Clear Plus Credit;
Equinox Credit;
Saks Fifth Avenue Credit;
Extensive travel and lifestyle benefits;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically high)

5X Membership Rewards® points on flights booked directly with airlines or amextravel.com (up to $500,000 per year);
5X points on prepaid hotels booked on amextravel.com;
1X point on other purchases

All standard Platinum Card benefits plus: Schwab Invest With Rewards benefit (redeem points for 1.1 cents to Schwab account);
$100 annual Card statement credit (with qualifying Schwab holdings);
No Foreign Transaction Fees

American Express

None

N/A (Invitation Only, varies)

5X Membership Rewards® points on flights booked directly with airlines or amextravel.com (up to $500,000 per year);
5X points on prepaid hotels booked on amextravel.com;
1X point on other purchases

All standard Platinum Card benefits (Lounge access, credits, etc.);
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically high)

5X Membership Rewards® points on flights booked directly with airlines or amextravel.com (up to $500,000 per year);
5X points on prepaid hotels booked on amextravel.com;
1X point on other purchases

All standard Platinum Card benefits plus: $695 Annual Engagement Bonus (with qualifying Morgan Stanley account);
ability to redeem points to Morgan Stanley CashPlus Brokerage Account;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically high)

4X Membership Rewards® points at restaurants worldwide (including U.S.
takeout/delivery);
4X points at U.S.
supermarkets (up to $25,000/yr, then 1X);
3X points on flights booked directly with airlines or amextravel.com;
1X point on other purchases

Up to $120 Uber Cash per year;
up to $120 Dining Credit per year;
No Foreign Transaction Fees

American Express

None

40,000 Membership Rewards® Points after spending $3,000 on eligible purchases in the first 6 months

3X Membership Rewards® points on travel, transit, and at restaurants worldwide (including U.S.
takeout/delivery);
1X point on other purchases

$209 CLEAR Plus Credit;
$100 LoungeBuddy Credit;
No Foreign Transaction Fees

American Express

None

N/A (Varies, typically high)

6% cash back at U.S.
supermarkets (up to $6,000/yr, then 1%);
6% on select U.S.
streaming subscriptions;
3% at U.S.
gas stations and on transit;
1% on all other purchases

$7 monthly Disney Bundle Credit;
Purchase Protection;
Extended Warranty;
Morgan Stanley specific benefits may apply.

American Express

0% on purchases for 12 months

N/A

N/A (No rewards program)

Reports to all three major credit bureaus, Low Fixed APR, No Penalty APR, Secured (Requires a deposit).

Visa

None (Fixed 9.99% APR on purchases is advertised as low)

N/A

Earn 1 point per $1 spent on qualifying purchases.

Low variable APR, No Cash Advance or Balance Transfer Fees, Zero Fraud Liability, Auto Rental Collision Damage Waiver.

Visa

None explicit (Advertised with a low variable APR, as low as 11.99% as of search date)

N/A

Earn 1.5X points for every $1 spent on eligible purchases.

No foreign transaction fees, Visa Signature benefits (e.g., Roadside Dispatch, Global Emergency Assistance), Zero Liability, ID Navigator.

Visa

0% Intro APR for 12 billing cycles on purchases and balance transfers.

$50 welcome bonus after $1,000 in purchases within the first 90 days.

Earn 1.5% cash rewards for every $1 in eligible purchases.

Zero Fraud Liability, Emergency Card Replacement, Cash Rewards do not expire (as long as account is open and current).

Visa

1.99% APR on purchases during the first 6 months; 0% APR on balance transfers for 12 months (transfers made within the first 90 days).

$200 online cash rewards bonus after spending $1,000 in the first 90 days.

3% cash back in a category of choice (Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement), 2% at grocery stores and wholesale clubs (on up to $2,500 in combined choice/grocery/wholesale purchases each quarter), and 1% on all other purchases.

Preferred Rewards members earn 25%-75% more cash back.

Visa

15 months on purchases and balance transfers

$200 online cash rewards bonus after spending $1,000 in the first 90 days.

Unlimited 1.5% cash back on all purchases.

Preferred Rewards members earn 25%-75% more cash back.

Visa

15 months on purchases and balance transfers

N/A (Focus on intro APR and balance transfers)

N/A (No reward program)

No Penalty APR, Zero Liability Guarantee.

Visa

18 months on purchases and balance transfers

25,000 online bonus points after spending $1,000 in the first 90 days (worth $250 toward travel/dining).

Unlimited 1.5 points for every $1 spent on all purchases.

Preferred Rewards members earn 25%-75% more points.

Visa

15 months on purchases and balance transfers

60,000 online bonus points after spending $4,000 in the first 90 days (worth $600 travel credit).

2 points per $1 on travel and dining, 1.5 points per $1 on all other purchases.

Up to $100 in combined airline incidental and TSA PreCheck®/Global Entry statement credits annually, Travel and purchase protections, Preferred Rewards points bonus.

Visa

N/A

N/A (Typically a high-value bonus, but not consistently advertised in search snippet)

2 points per $1 on travel and dining, 1.5 points per $1 on all other purchases.

Up to $300 annual airline incidental credit, up to $100 Global Entry/TSA PreCheck credit, 20% airfare savings when redeeming points, $150 lifestyle credit, airport VIP lounge access.

Visa

N/A

80,000 bonus points + a $99 Companion Fare after spending $4,000 in the first 120 days.

3 points per $1 spent on eligible Alaska Airlines purchases, 2 points per $1 on eligible gas, EV charging, cable, streaming services, and local transit, 1 point per $1 on all other purchases.

Free checked bag for cardholder and up to 6 guests, Preferred boarding, Companion Fare each anniversary, 20% back on in-flight purchases.

Visa

N/A

30,000 Bonus Points (equal to $300 off an Allegiant trip) after spending $1,500 or more in purchases within the first 90 days of account opening.

3 points per $1 spent on Allegiant purchases;
2 points per $1 spent on qualifying dining;
1 point per $1 spent on all other purchases.

Buy One, Get One Free airfare on vacation packages (4+ hotel nights or 7+ rental car days);
Complimentary priority check-in and priority boarding;
Free beverage every time you fly Allegiant.

Mastercard

N/A

50,000 Bonus Points + $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

3 points per $1 spent on eligible Spirit purchases;
2 points per $1 spent on eligible dining and grocery store purchases;
1 point per $1 spent on all other purchases.

Two Free Checked Bags (for primary cardholder);
Group 2 Priority Boarding;
25% rebate on all inflight food and beverage purchases;
$100 Companion Flight Voucher each anniversary after spending $5,000 in the prior anniversary year.

Mastercard

N/A

20,000 bonus points after spending $1,000 in the first 90 days (worth $200 off a cruise).

3 points per $1 on Norwegian purchases, 2 points per $1 on eligible air and hotel, 1 point per $1 on all other purchases.

Points redeemable for cruise upgrades, discounts, onboard credits, cash, and gift cards.

Mastercard

N/A

30,000 MyCruise® bonus points after spending $1,000 in the first 90 days (valued at $300 onboard credit).

2 MyCruise points per $1 on purchases with Celebrity, Royal Caribbean, and Silversea;
1 MyCruise point per $1 on all other purchases.

Points redeemable for cruise upgrades, discounts, onboard credit, and cruise vacations.

Visa

N/A

Online offer: 25,000 Bonus Points after making at least $1,000 in purchases in the first 90 days of account opening.

2 points per $1 spent on Royal Caribbean, Celebrity Cruises, and Silversea purchases;
1 point per $1 spent on all other purchases.

MyCruise® Rewards redemption options for cruise discounts, onboard credits, merchandise, etc.

Visa

N/A

Online offer: 40,000 Bonus Points (limited-time offer).
Specific spend requirement not found, often $1,000 in the first 90 days.

2 points per $1 spent on purchases at Sandals or Beaches Resorts;
1 point per $1 spent on all other purchases.

Points redeemable for Sandals spa services and other resort benefits.

Visa

7 months

N/A

No explicit rewards (no cashback or pointback).

Low interest rate focus;
No Penalty APR;
Member-exclusive rates (implied by "Rate Smart");
Access to FICO® Score.

Visa

18 months

N/A

No explicit rewards (no cashback or pointback).

Low interest rate focus;
No Penalty APR;
Access to FICO® Score;
Roadside Dispatch;
Travel and Emergency Assistance Services.

Visa

18 months

N/A

No explicit rewards (no cashback or pointback).

Low interest rate focus;
No Penalty APR.
(Details closely match the BankAmericard/other Rate Smart cards.)

Visa

18 months

50,000 Bonus Miles after spending $2,000 in the first 90 days.

3 Miles per $1 spent on Air France, KLM, and SkyTeam purchases;
1.5 Miles per $1 on all other purchases.

5,000 anniversary Miles, XP (Experience Points) upon approval and annually.

Mastercard

N/A

60,000 Free Spirit points + a $100 Companion Flight Voucher after spending $1,000 in the first 90 days.

3 points per $1 on eligible Spirit purchases, 2 points per $1 on dining and grocery, 1 point per $1 on all other purchases.

Companion Flight Voucher, Two Free Checked Bags, Priority Check-in and Group 2 Priority Boarding, 25% in-flight rebate.

Mastercard

N/A

N/A

3% cash back in a category of choice, 2% at grocery stores/wholesale clubs (on up to $2,500 in combined bonus purchases each quarter), and 1% on all other purchases.

Establish/rebuild credit, Secured (Requires a deposit).

Visa

N/A

N/A

Unlimited 1.5% cash back on all purchases.

Establish/rebuild credit, Secured (Requires a deposit).

Visa

N/A

N/A

N/A (No rewards)

Establish/rebuild credit, Secured (Requires a deposit), No Penalty APR.

Visa

N/A

N/A

Unlimited 1.5 points for every $1 spent on all purchases.

Establish/rebuild credit, Secured (Requires a deposit).

Visa

N/A

N/A

3% cash back on eligible Gas, Groceries, and Utilities;
1% cash back on all other eligible purchases.

Unsecured card (No security deposit required), Free Credit Score, Zero Fraud Liability.

Mastercard

N/A

4,000 bonus points upon card activation.

4 points for each $1 spent on Qualifying Purchases.

Points redeemable for cash back, gift cards, and travel;
No balance transfer fee;
Digital Wallet capability.

Mastercard

N/A (Intro APR is for Balance Transfers only: 7.24% intro APR for 12 months)

$25 Barnes & Noble Gift Card after first purchase or balance transfer.

5% back at B&N/Paper Source;
2x points at restaurants;
1x points on all other purchases.

$0 Fraud Liability, Complimentary FICO Score.

Mastercard

15 months (Balance Transfers)

N/A

3% cash back on gas/drugstore;
2% on medical expenses;
1% on all others.

N/A

Mastercard

N/A

$100 Cash Back Bonus after spending $500 in the first 90 days.

3% Cash Back on Airfare, Hotels & Car Rentals;
2% on eligible Restaurants;
1% on all others.

$0 Fraud Liability, Complimentary FICO Score, Charitable contribution.

Mastercard

15 months (Balance Transfers)

50,000 AAdvantage miles after first purchase and paying the annual fee in full within 90 days.

2x miles on eligible American Airlines purchases;
1x miles on all other purchases.

First checked bag free (for cardholder + 4 companions), Preferred boarding, 25% in-flight savings.

Mastercard

N/A (Intro APR is for Balance Transfers only)

N/A (No public spend-based sign-up bonus)

2x points on airfare/hotel (Points redeemed at 2% for airfare or 1.5% for cash back).

$200 Annual Airline Credit, $100 Annual Dining Credit, Priority Pass Select, Concierge.

Mastercard

15 months (Balance Transfers)

50,000 miles after spending $500 and paying the annual fee in full within 90 days.

5x miles on Frontier purchases;
3x miles on restaurant/eligible grocery;
1x miles on all others.

Two free checked bags, Priority boarding, Award redemption fee waiver.

Mastercard

15 months (Balance Transfers)

Varies (e.g., 60,000 miles after spending $2,000 in 90 days)

3x miles on Hawaiian Airlines purchases;
2x miles on gas, dining, grocery;
1x miles on all others.

Annual Companion Discount, Two free checked bags (primary cardmember), Share miles with friends/family.

Mastercard

15 months (Balance Transfers)

Up to 80,000 bonus points after spending requirements.

6x points on eligible JetBlue purchases;
2x points at restaurants/eligible grocery;
1x points on all others.

Free first checked bag (for cardholder + 3 companions), 5,000 anniversary bonus points, 50% in-flight savings.

Mastercard

12 months (Balance Transfers)

70,000 Skywards Miles after spending $3,000 in the first 90 days.

3 miles per $1 on eligible Emirates spend;
2 miles per $1 on eligible travel spend;
1 mile per $1 on all other spend.

Skywards Gold Tier status (first year), 10,000 Anniversary Bonus Miles, Priority Pass Select.

Mastercard

N/A

20,000 Points after spending $500 within the first 90 days ($200 onboard credit).

2 points per $1 on all Holland America Line purchases;
1 point per $1 on all other purchases.

Visa Signature Concierge.

Visa

15 months (Balance Transfers)

30,000 FunPoints after spending $1,000 within the first 90 days ($300 onboard credit).

2x FunPoints on Carnival Cruise Line purchases;
1x FunPoints on all other purchases.

Travel coverage (Accident, Trip Cancellation, etc.).

Mastercard

6 months (Carnival Purchases) / 15 months (Balance Transfers)

Varies (e.g., 45,000 bonus points after minimum spend)

6x points on hotels by Wyndham/Gas;
4x points on Grocery/Dining;
1x points on all others.

Automatic Wyndham Rewards Gold Status, 7,500 anniversary bonus points, Go-Fast Award discounts.

Visa

N/A

1,000 Bonus Rewards after first purchase or balance transfer.

2x rewards on Bluegreen vacation purchases/maintenance fees/upgrades;
1x rewards on all others.

N/A

Mastercard

6 months (Bluegreen Purchases)

N/A

5% of rewards back on redemption (bonus);
1 point per $1 on all other purchases.

No foreign transaction fees, $0 Fraud Liability.

Mastercard

6 months (Capital Vacations Down Payments) / 15 months (Balance Transfers)

N/A (Promotional offers vary)

4x points on eligible Travel, Gas, EV charging, Entertainment/Recreation;
1.5x points on all other purchases.

Priority Pass Select (4 free visits), Visa Signature Luxury Hotel Collection, Travel Accident Insurance, Roadside Dispatch.

Visa

N/A

N/A

Cash back (Specific percentage not consistently published, often a flat rate or tiered, but rewards are cash).

N/A

Visa

0 (Balance Transfers)

N/A

No reward (focus on credit building/low rate).

N/A

Visa

N/A

N/A

No reward (low fixed rate focus).

$250,000 Travel Accident Insurance, Zero Liability Policy.

Visa

N/A

5,000 bonus points after spending $1,000 in the first 90 days.

1.5 points per $1 spent on purchases.

$250,000 Travel Accident Insurance, Automated Fraud Alerts, Card Lock.

Visa

N/A

N/A

No reward (supports local non-profit).

$250,000 Travel Accident Insurance, Automated Fraud Alerts, Card Lock.

Visa

N/A

N/A

No reward (low APR focus).

N/A

Visa

12 months (2.99% Balance Transfers)

Varies (e.g., $200 cash bonus after spending $2,000 in 3 months)

5% cash back on streaming, cable/satellite;
3% on gas/grocery (up to $1,500/quarter);
1% on all others.

Cellphone protection, Extended warranty, Master RoadAssist®.

Mastercard

12 months (Balance Transfers)

N/A

1.5% cash back on all purchases.

Price Protection, Baggage Delay Protection, Trip Cancellation/Interruption, Travel Accident Insurance.

Visa

N/A

N/A (Secured card)

1.5% cash back on all purchases.

Secured card for building credit.

Visa

N/A

N/A

No reward (low rate focus).

N/A

Visa

N/A

N/A (Secured card)

No reward (low rate focus).

Secured card for building credit.

Visa

N/A

N/A

N/A (likely a low-rate, no-rewards card for this tier)

N/A

Mastercard

N/A

N/A (Secured Card)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Automatic credit line review in 6 months, $0 Fraud Liability, CreditWise.

Mastercard

N/A

N/A (Secured Card)

No reward (focus on credit building).

Automatic credit line review in 6 months, $0 Fraud Liability, CreditWise.

Mastercard

N/A

Varies (e.g., $200 cash bonus after spending $500 in 3 months)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Extended Warranty, $0 Fraud Liability.

Visa/Mastercard

15 months (Purchases and BT)

N/A (Average Credit Tier)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Automatic credit line review in 6 months, $0 Fraud Liability.

Visa/Mastercard

N/A

Varies (e.g., $50 cash bonus after spending $100 in 3 months)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

No annual fee, student perks.

Visa/Mastercard

N/A

N/A

No reward (focus on credit building).

Automatic credit line review in 6 months, $0 Fraud Liability.

Mastercard

N/A

Varies (e.g., $300 total bonus: $200 cash back + $100 travel credit after spending $500 in 3 months)

3% cash back on Dining, Entertainment, Groceries, Streaming;
1% on all others;
5% on hotels/rental cars booked via Capital One Travel.

$0 Fraud Liability, Capital One Travel benefits.

Mastercard

12 months (Purchases and BT)

N/A (Good Credit Tier)

3% cash back on Dining, Entertainment, Groceries, Streaming;
1% on all others;
5% on hotels/rental cars booked via Capital One Travel.

$0 Fraud Liability, Capital One Travel benefits.

Mastercard

N/A

Varies (e.g., $50 cash bonus after spending $100 in 3 months)

3% cash back on Dining, Entertainment, Groceries, Streaming;
1% on all others;
5% on hotels/rental cars booked via Capital One Travel.

No annual fee, student perks.

Mastercard

N/A

75,000 miles after spending $4,000 in 3 months.

Unlimited 2x miles on all purchases;
5x miles on hotels/rental cars booked via Capital One Travel.

Global Entry/TSA PreCheck Credit, Travel benefits.

Visa

N/A

75,000 miles after spending $4,000 in 3 months.

Unlimited 2x miles on all purchases;
10x miles on hotels/rental cars booked via Capital One Travel;
5x miles on flights.

$300 Annual Travel Credit, 10,000 Anniversary Miles, Capital One/Priority Pass Lounge Access, Global Entry/TSA PreCheck Credit.

Visa

N/A

20,000 miles after spending $500 in 3 months.

Unlimited 1.25x miles on all purchases;
5x miles on hotels/rental cars booked via Capital One Travel.

Travel benefits.

Visa

15 months (Purchases and BT)

N/A (Good Credit Tier)

Unlimited 1.25x miles on all purchases;
5x miles on hotels/rental cars booked via Capital One Travel.

Travel benefits.

Visa

N/A

Varies (e.g., 40% off first qualifying purchase)

7.5% in rewards at Kohl's;
3% on gas;
2% on groceries;
1% on all other purchases.

Monthly exclusive savings, annual anniversary offer, MVC status eligibility.

Visa

N/A

$100 REI gift card after first purchase outside of REI in 60 days.

5% in rewards on REI purchases;
1.5% on all other purchases.

Rewards never expire, $2M annual donation to REI Cooperative Action Fund, World Elite Mastercard benefits.

Mastercard

N/A

N/A

2% back in CLUB Points at Cabela's/Bass Pro Shops and Cenex;
1% on all other purchases.

Exclusive event access, points never expire, redeemable for in-store/travel purchases.

Mastercard

N/A

N/A

2% back in CLUB Points at Bass Pro Shops/Cabela's and Cenex;
1% on all other purchases.

Exclusive event access, points never expire, redeemable for in-store/travel purchases.

Mastercard

N/A

10% back in rewards across Williams Sonoma brands for the first 30 days.

5% back on Williams Sonoma brands;
4% back at Groceries/Restaurants (non-fast food);
1% on all others.

Visa Signature benefits, $25 Birthday Award, Free standard shipping at Williams Sonoma.

Visa

N/A

N/A

3% back in rewards on in-club/online purchases;
1% on all other purchases (must be a BJ's member).

BJ's rewards are automatically loaded to membership card, access to special savings.

Mastercard

N/A

N/A

5% back in rewards on in-club/online purchases;
2% on gas (at BJ's);
1% on all other purchases (must be a BJ's member).

BJ's rewards are automatically loaded to membership card, access to special savings.

Mastercard

N/A

Varies (see Quicksilver Rewards for Good Credit)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Extended Warranty, $0 Fraud Liability.

Visa/Mastercard

15 months (Purchases and BT)

Varies (see Quicksilver Rewards for Good Credit)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Extended Warranty, $0 Fraud Liability.

Visa/Mastercard

15 months (Purchases and BT)

N/A

No reward (focus on credit building).

Automatic credit line review in 6 months, $0 Fraud Liability.

Mastercard

N/A

N/A

Rewards typically mirror Quicksilver (1.5% cash back).

Benefits for Union Members (e.g., Strike Fund, Disability Assistance), $0 Fraud Liability.

Mastercard

N/A

N/A

No reward (focus on low purchase APR).

Benefits for Union Members (e.g., Strike Fund, Disability Assistance), $0 Fraud Liability.

Mastercard

N/A

N/A

No reward (focus on fair credit access).

Benefits for Union Members (e.g., Strike Fund, Disability Assistance), $0 Fraud Liability.

Mastercard

N/A

N/A (Targeted Offer)

Unlimited 1.5% cash back on all purchases;
5% on hotels/rental cars booked via Capital One Travel.

Varies (often similar to Quicksilver/QuicksilverOne)

Visa/Mastercard

Varies (often 0 or 15 months)

N/A (Targeted Offer)

3% cash back on Dining, Entertainment, Groceries, Streaming;
1% on all others;
5% on hotels/rental cars booked via Capital One Travel.

Varies (often similar to Savor/SavorOne)

Mastercard

Varies (often 0 or 12 months)

Zero Annual Fee

Earn a $5.00 reward for every $250.00 spent (Cato Style Rewards)

Rewards cards can be used towards purchases made in Cato Stores, No penalty interest rate, No transaction fee for purchases

Not Applicable (Store Card, limited use)

N/A

N/A

Varies, sometimes 1% - 5% Cashback Rewards (on certain promotional versions) or None (on the basic card)

Reports to all three major credit bureaus;
Unsecured card (no security deposit);
Mastercard $0 Liability Protection

Mastercard

N/A

Intro rate on purchases, balance transfers, & cash advances

1 point per $1 spent on purchases (Redeemable for gift cards, merchandise, and travel)

$1,000,000 travel insurance, lost/stolen card reporting, emergency cash disbursement, emergency card replacement, rental collision damage waiver, warranty manager, travel & emergency assistance, purchase security

Visa

6 months (Intro rate is 3.70%)

Intro rate on purchases, balance transfers, & cash advances

1 point per $1 spent on purchases (Redeemable for cash back, merchandise, and travel)

$1,000,000 travel insurance, lost/stolen card reporting, emergency cash disbursement, emergency card replacement, rental collision damage waiver, warranty manager, travel & emergency assistance, purchase security, trip cancellation, hotel burglary reimbursement

Visa

6 months (Intro rate is 0%)

N/A

Points on every qualified purchase (uChoose Rewards)

Emergency cash and card replacement, Lost-luggage reimbursement, Cell phone protection insurance, $500,000 travel accident insurance, Travel and emergency assistance services, Extended Warranty Protection, Roadside dispatch, Auto rental collision damage waiver, ID Navigator Powered by NortonLifeLock

Visa

N/A

N/A

Unlimited 1.5% Cash Back on net purchases

Special Offers in Cash Back Mall, Purchase and ID Protection, Cell Phone Protection Service, Mastercard $0 Liability Protection, Secure Contactless Payments, Extra cash back boost with Ultimate Growth Checking Account

Mastercard

N/A

Spend $1,500 within the first 3 months to earn 20,000 bonus ThankYou Points, which can be redeemed for $200 in gift cards.

2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year, then 1X.
1X ThankYou Points on all other purchases.
Round up to the nearest 10 ThankYou Points on every purchase.

10% points back on the first 100,000 ThankYou Points redeemed per year.
Citi Entertainment.

Mastercard

0% Intro APR on Purchases and Balance Transfers for 15 months.

Earn 70,000 bonus ThankYou Points after spending $4,000 in purchases within the first 3 months of account opening.

10x points on hotels, rental cars, and eligible attractions booked through https://www.google.com/search?q=CitiTravel.com;
3x points on air travel and other hotel purchases;
3x points on restaurants;
3x points on supermarkets;
1x points on all other purchases.

$100 annual hotel savings benefit.
No Foreign Transaction Fees.

Mastercard

N/A

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

2% total cash back: 1% when you buy plus 1% as you pay for those purchases.

Citi Entertainment.
Digital Wallets.

Mastercard

0% Intro APR on Balance Transfers for 18 months.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, then 1%).
1% cash back on all other purchases.

Citi Entertainment.
Digital Wallets.

Mastercard

0% Intro APR on Purchases and Balance Transfers for 15 months.

Not currently offering a public sign-up bonus.

No reward program.

No Late Fees.
No Penalty Rate.

Mastercard

0% Intro APR on Purchases and Balance Transfers for 21 months.

Not currently offering a public sign-up bonus.

No reward program.

Citi Entertainment.
Digital Wallets.

Mastercard

0% Intro APR on Purchases and Balance Transfers for 21 months.

No introductory offer for new open card.

No reward program.

Access to your FICO Score.
Credit-building tool.

Mastercard

N/A

No introductory offer for new open card.

4% cash back on eligible gas and EV charging purchases (up to $7,000 per year, then 1%).
3% cash back on restaurants and eligible travel.
2% cash back on all other purchases from Costco and Costco.com.
1% cash back on all other purchases.

All rewards are received annually as a certificate redeemable for cash or merchandise at Costco warehouses.
Requires Costco Membership.

Visa

N/A

Earn 50,000 AAdvantage miles after spending $2,500 in purchases within the first 3 months of account opening.

2 AAdvantage miles per $1 spent on eligible American Airlines purchases.
2 AAdvantage miles per $1 spent on restaurants and gas stations.
1 AAdvantage mile per $1 spent on all other purchases.

First checked bag free for you and up to four companions on the same reservation.
Preferred boarding.
25% savings on in-flight food and beverage purchases.

Mastercard

N/A

Earn 70,000 AAdvantage miles after spending $7,000 in purchases within the first 3 months of account opening.

4 AAdvantage miles per $1 spent on eligible American Airlines purchases.
1 AAdvantage mile per $1 spent on all other purchases.

Admirals Club membership for the primary cardholder.
First checked bag free for you and up to eight companions on the same reservation.
Enhanced airport experience benefits.

Mastercard

N/A

Earn 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit after making $500 in purchases within the first 3 months of account opening.

2 AAdvantage miles per $1 spent on eligible American Airlines purchases.
2 AAdvantage miles per $1 spent at grocery stores.
1 AAdvantage mile per $1 spent on all other purchases.

25% savings on in-flight food and beverage purchases.

Mastercard

N/A

Spend $500 in purchases in the first 90 days of account opening to earn a $100 statement credit.

5% back in rewards on purchases at Tractor Supply Company and TractorSupply.com.
2% back in rewards on gas, groceries, and dining.
1% back in rewards on all other purchases.

Access to financing offers at Tractor Supply.

Visa

N/A

Free Welcome Rewards by Club O membership.

5% back in rewards at Bed Bath & Beyond (formerly Overstock).
3% back on apparel/department stores.
2% back on gas.
1% back on all other purchases.

Free returns for store credit, Price Matching, special financing offers (e.g., 6-60 months).

Mastercard

N/A

Free Welcome Rewards by Club O membership.

5% back in rewards on purchases at Bed Bath & Beyond (formerly Overstock).

Free returns for store credit, Price Matching, special financing offers.

No reward

N/A

No widely advertised public introductory offer.

No reward program.

Special promotional financing on tires and service purchases.
Accepted at participating Monro stores (Just Tires).

Store-only

N/A

10% off Welcome Shopping Pass after spending $100 at Dillard's on the day of approval (up to $100 savings).

2 points per $1 spent at Dillard's, US supermarkets, and US gas stations.
1 point per $1 spent everywhere else.
(1,500 points = $10 reward).

Dillard's Silver/Gold/Platinum status with increasing benefits (e.g., free standard shipping).
Mastercard benefits.

Mastercard

N/A

10% off Welcome Shopping Pass after spending $100 at Dillard's on the day of approval (up to $100 savings).

2 points per $1 spent at Dillard's.
(1,500 points = $10 reward).

Dillard's Silver/Gold/Platinum status with increasing benefits.

Store-only

N/A

New cardmember reward with qualifying purchase (e.g., $5 back).

Earn rewards on Tractor Supply purchases.

Special financing offers (e.g., 6 months no interest).

Store-only

N/A

20% off purchases made today and tomorrow (up to a total of $250).

Earn points on all purchases (3 to 5 points/$1 at Bloomingdale's, 2 points/$1 on dining, 1 point/$1 elsewhere).

Loyallist Program status (e.g., free shipping, unlimited points), Amex benefits.

Amex

N/A

20% off purchases made today and tomorrow (up to a total of $250).

Earn points on purchases at Bloomingdale's (3 to 5 points/$1 depending on Loyallist status).

Loyallist Program status (e.g., free shipping, unlimited points).

Store-only

N/A

30% off Macy's purchases on the day of account opening (up to $100 savings).

3-5% back in rewards at Macy's (based on annual spend status).
3% at restaurants, 2% at gas stations/supermarkets.
1% everywhere else.

Star Pass discounts, Free shipping (Gold/Platinum status).

Amex

N/A

30% off Macy's purchases on the day of account opening (up to $100 savings).

2-5% back in rewards at Macy's (based on annual spend status).

Star Pass discounts, Free shipping (Gold/Platinum status).

Store-only

N/A

$40 off your first order of $250+ (or an alternative offer).

5% back in rewards on Wayfair purchases.
3% on groceries.
2% on online purchases.
1% everywhere else.

Access to special financing offers on Wayfair purchases.
Mastercard benefits.

Mastercard

N/A

$40 off your first order of $250+ (or an alternative offer).

5% back in rewards on Wayfair purchases or special financing on qualifying orders.

Access to special financing offers.

Store-only

N/A

No widely advertised public introductory offer.

No reward program.

Special promotional financing on purchases of parts, accessories, and service at participating VW dealerships.

Store-only

N/A

Get $20 statement credit when you spend $20 in the first 24 hours.

5% back in points on eligible purchases at select partners.
3% back in points on gas/groceries/restaurants.
1% back in points on all other purchases.

Ability to redeem points at millions of places.

Mastercard

N/A

No widely advertised public introductory offer.

Promotional financing offers on purchases.

Special financing.

Store-only

N/A

10% back in rewards on your first day of purchases on the card (up to 14 days).

5% back in rewards on Best Buy purchases (or flexible financing).

Access to flexible financing options, birthday coupon, member-only offers.

Store-only

N/A

$25 off your first qualifying purchase of $25-$999 or $50 off a qualifying purchase of $1,000+ upon approval.

No reward program.

Access to special financing offers (e.g., 6-month deferred interest).

Store-only

N/A

10% back in rewards on your first day of purchases on the card (up to 14 days).

5% back in rewards on Best Buy purchases (or flexible financing).
3% on gas.
2% on grocery/dining.
1% everywhere else.

Access to flexible financing options, birthday coupon, Visa benefits.

Visa

N/A

No widely advertised public introductory offer.

No reward program.

Special promotional financing offers (e.g., 6 months deferred interest) on purchases at Goodyear locations.

Store-only

N/A

Up to $50 off a Meijer purchase (varies by promotion).

$10 reward for every $750 spent (approx.
1.33% back).

10 cents off per gallon on gas at Meijer gas stations.
Mastercard benefits.

Mastercard

N/A

Up to $50 off a Meijer purchase (varies by promotion).

$10 reward for every $750 spent (approx.
1.33% back).

10 cents off per gallon on gas at Meijer gas stations.

Store-only

N/A

Get 20% off your first L.L.Bean purchase upon approval.

4% back in Bean Bucks on L.L.Bean purchases.
2% back on gas stations and dining.
1% back everywhere else.

Free standard shipping and returns on L.L.Bean purchases.
Mastercard benefits.

Mastercard

N/A

No widely advertised public introductory offer.

No reward program.

Access to special financing offers (e.g., 6 months same as cash).

Store-only

N/A

No widely advertised public introductory offer.

No reward program.

Access to special promotional financing offers.

Store-only

N/A

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

5% cash back in your top eligible spend category each billing cycle (up to $500 spent, then 1%).
1% on all other purchases.

Access to Citi Entertainment, ThankYou Points pooling.

Mastercard

15 months

No widely advertised public sign-up bonus.

No reward program.

No Late Fees.
No Penalty Rate.

Mastercard

21 months

No widely advertised public introductory offer.

No reward program.

Access to special promotional financing offers.

Store-only

N/A

No introductory offer for new open card.

No reward program.

Access to FICO Score, credit-building tool.

Mastercard

N/A

Get 6 months promotional financing on any brand tires or service purchase of $250 or more.

No reward program.

Special financing offers.
Accepted at over 1,200 locations (e.g., Monro, Just Tires).

Store-only

N/A

No widely advertised public sign-up bonus.

No reward program.

Citi Entertainment.

Mastercard

21 months

No widely advertised public introductory offer.

No reward program.

Access to special promotional financing offers.

Store-only

N/A

No widely advertised public introductory offer.

Save up to 5¢ per gallon on Wawa fuel.

No annual fee.

Store-only

N/A

No widely advertised public introductory offer.

Save 5¢ per gallon on Sunoco fuel purchases.

No annual fee.

Store-only

N/A

Save 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases.

Save 10¢ per gallon on Shell fuel purchases.
2% back on restaurants/groceries.
1% back on other purchases.

Gold Status in the Fuel Rewards program.
Mastercard benefits.

Mastercard

N/A

Save 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases.

Save 5¢ per gallon on Shell fuel purchases.

Gold Status in the Fuel Rewards program.

Store-only

N/A

No widely advertised public introductory offer.

Save 6¢ per gallon on Synergy Supreme+ premium gasoline and 4¢ per gallon on other Exxon or Mobil fuel grades.

No annual fee.

Store-only

N/A

Spend $1,500 within the first 3 months to earn 20,000 bonus ThankYou Points.

2X points at supermarkets/gas (up to $6k/yr).
1X all else.
Round up to nearest 10 points on every purchase.

10% points back on first 100,000 points redeemed annually.

Mastercard

15 months

Get $200 statement credit after spending $1,000 on purchases in the first 3 months.

3X ThankYou Points for purchases at AT&T stores/websites.
1X ThankYou Points on all other purchases.

$100 statement credit benefit on eligible AT&T purchases after $1,000 spent annually.

Mastercard

N/A

No widely advertised public introductory offer.

No reward program.

Low variable APR.

Mastercard

N/A

No widely advertised public introductory offer.

Unlimited 2% cash back on purchases.

Global Entry/TSA PreCheck Credit (up to $120), Priority Pass Select membership, annual travel credits, travel/purchase protections.
Annual fee waiver for Private Client Checking holders.

Mastercard

N/A

No widely advertised public introductory offer.

Unlimited 3% cash back on dining and groceries, and 1.5% unlimited cash back on everything else.

Mastercard benefits, Lyft and Peacock statement credits.

Mastercard

12 months (BT only)

No widely advertised public introductory offer.

No reward program.

Low variable rate.

Visa

N/A

No widely advertised public introductory offer.

No reward program.

No security deposit required, no fees for ATM cash withdrawals (third-party fees may apply), instant access to part of credit line upon approval.

Mastercard

N/A

Spend $500 then get $100 back in 90 days.

1.5% cashback on all purchases.

None widely advertised.

Mastercard

N/A

No widely advertised public introductory offer.

3X points on gas, grocery, dining, and utility purchases;
1X on all others.

25% extra points every billing cycle with 20+ purchases.

American Express

N/A

Typically first purchase discount or bonus points.

Varies by tier (likely higher points at Victoria's Secret/PINK).

Exclusive cardholder sales/offers, birthday reward.

Mastercard

N/A

Varies;
common offers include a bonus after first use.

Varies by tier (likely higher rewards at Caesars Rewards destinations).

Tier upgrades and status benefits (e.g., Platinum Status upgrade after first use), annual credits/benefits.

Visa

N/A

Varies;
typically a discount or bonus points on first purchase.

Likely higher rewards at Sportsman's Guide and Buyer's Club.

Buyer's Club benefits, special financing.

Visa

N/A

Typically a discount on first purchase.

5 points per $1 at Ann Taylor, LOFT, Factory/Outlet;
2 points per $1 on gas/grocery;
1 point per $1 everywhere else.

15% off first Tuesday of every month, Free standard shipping on $75+ purchases.

Mastercard

N/A

Varies;
typically a bonus after first purchase/spend.

5X points on PlayStation Store purchases;
3X points on PS and Sony products;
2X points on dining;
1X on all others.

Varies based on tier/promotion.

Visa

N/A

$20 reward + 20% discount on initial purchase.

5 points per $1 at LOFT/Ann Taylor brands;
2 points per $1 on gas/grocery;
1 point per $1 everywhere else.

$15 birthday gift, 15% off first Tuesday of every month, free standard shipping on $75+ purchases.

Mastercard

N/A

Spend $1,000 then gets $100 statement credit in 90 days.

5% cash back on grocery stores;
3% cash back on gas/EV charging, wholesale clubs, streaming, pharmacy, and AAA purchases;
1% on all others.

No Foreign Transaction Fee.

Visa

N/A

Spend $1,000 then gets $100 statement credit in 90 days.

5% cash back on gas/EV charging;
3% cash back on grocery stores, restaurants, travel, and AAA purchases;
1% on all others.

No Foreign Transaction Fee.

Visa

N/A

Typically first purchase discount or bonus points.

Varies, likely higher points at Ross Stores.

Exclusive cardholder sales/offers.

Mastercard

N/A

Varies;
likely a bonus after first purchase.

Varies;
typically high points at Saks and Saks OFF 5TH.

Varies;
in-store benefits/events.

Mastercard

N/A

Spend $1,000 then gets 10,000 Unity points in 90 days.

5 points per $1 at participating Hard Rock non-casino properties;
4 points per $1 at Hard Rock casinos;
2 points per $1 at restaurants/grocery;
1 point per $1 everywhere else.

Unity by Hard Rock Status bump/Tier Credits, rewards redeemable for stays/meals/merch.

Mastercard

N/A

Spend $500 then gets $25 Vital Care Rewards in 90 days (outside of Petco).

2X Vital Care points per $1 at Petco;
2 Vital Care points per $3 on grocery;
1 Vital Care point per $3 everywhere else.

20% off first purchase at Petco, special financing offers.

Mastercard

N/A

Typically first purchase discount or bonus points.

Varies;
likely high points at Sephora.

Sephora Beauty Insider benefits.

Visa

N/A

2,500 bonus points (worth $25 statement credit) for $500 spend outside Camping World/Good Sam in 90 days.

5% cash back at Camping World/Good Sam family;
3% cash back at campgrounds/gas;
1% on all others.

Free one-year Good Sam membership, special financing.

Visa

N/A

Typically a bonus after first purchase/spend.

Varies;
likely higher points on travel/Interval International purchases.

Varies;
travel/resort benefits.

Mastercard

N/A

$25 off first IKEA purchase of $25 or more.

5% back in rewards on IKEA purchases.

Special financing offers (e.g., 0% for 6 months on $500+).

Visa

N/A

No widely advertised public introductory offer.

Varies;
likely higher rewards on Houzz purchases.

No widely advertised public benefits.

Mastercard

N/A

Varies;
typically a bonus after first purchase/spend.

Varies;
likely higher points at Ulta Beauty.

Ulta Beauty Ultamate Rewards program benefits.

Mastercard

N/A

Typically a discount on first purchase.

Varies;
likely higher rewards at Forever 21.

Exclusive cardholder sales/offers.

Visa

N/A

Varies;
typically a discount or bonus points on first purchase.

Varies;
likely higher rewards at Sportsman's Warehouse.

Special financing offers, higher rewards for Explorewards members.

Visa

N/A

No widely advertised public introductory offer.

5% back towards comps at PNG locations;
2% back towards comps at gas/grocery;
1% on all others.

Earn Tier Points, Mastercard benefits (e.g., ID Theft Protection).

Mastercard

N/A

Varies;
typically a discount or bonus on first purchase.

Likely higher rewards at Lands' End.

Varies.

Visa

N/A

No widely advertised public introductory offer.

Likely no rewards program, mainly a financing card.

Varies;
membership benefits.

Visa

6 months

Varies;
typically a bonus after first purchase/spend.

Varies;
likely higher rewards on travel and vacation-related purchases.

Varies;
travel benefits.

Mastercard

N/A

Spend $2,000 then get 5,000 points in 90 days.

5 points per $1 at Toyota dealerships;
2 points per $1 on gas, dining, and entertainment;
1 point per $1 everywhere else.

Rewards redeemable for Toyota services, parts, or vehicle purchases.

Visa

N/A

Spend $500 then get 5,000 points in 90 days (outside of Lexus Dealerships).

5 points per $1 at Lexus dealerships;
2 points per $1 on gas, dining, and entertainment;
1 point per $1 everywhere else.

Rewards redeemable for Lexus services, parts, or vehicle purchases.

Visa

N/A

No widely advertised public introductory offer.

3% back on NFLShop.com and NFL team purchases;
2% back on grocery, fitness, restaurant/bar;
1% on all others.

20% off NFLShop.com, special financing on NFL tickets.

Visa

N/A

Varies;
typically a bonus after first purchase/spend.

Varies;
likely same as NFL Extra Points Visa but specific to Mastercard network.

Varies;
team-specific benefits.

Mastercard

N/A

No widely advertised public introductory offer.

2% unlimited cash back.

No Foreign Transaction Fee.

American Express

N/A

No introductory offer found;
contact issuer for any current promotions.

Varies by card type offered (points or cash rewards);
see Official URL for details.

Fraud Monitoring, Accepted Worldwide, Interest-free grace period, Free balance transfers, Convenience checks.

Visa

Zero

Spend $3,000 in first 3 months get $50 statement credit

No points

Cellular Telephone Protection, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Travel & Emergency Assistance Services, Roadside Dispatch®, Auto Rental Collision Damage Waiver, Visa Benefits

Visa

N/A

Spend $3,000 in first 3 months get 5,000 points

1/2 point per dollar on qualifying purchases

Cellular Telephone Protection, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Travel & Emergency Assistance Services, Roadside Dispatch®, Auto Rental Collision Damage Waiver, Visa Benefits

Visa

N/A

Spend $3,000 in first 3 months get 5,000 points

3X points on gas, 2X points at restaurants, 1X points everywhere else

Visa Signature Concierge, Extended Warranty Protection, Cellular Telephone Protection, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Travel & Emergency Assistance Services, Roadside Dispatch®, Auto Rental Collision Damage Waiver, Visa Benefits

Visa

N/A

N/A

1 point for every $1.00 spent on qualifying purchases (ScoreCard® Rewards).

ScoreCard® Rewards (redeem for merchandise, gift cards, or travel), Visa's Zero Liability, Travel and emergency assistance services.

Visa

6 months (0% Intro APR on Purchases and Balance Transfers, then a variable APR).

Reduced APR for first 6 billing cycles

N/A

Warranty Extension (double original manufacturer warranty up to 12 months)

Mastercard

6 months

$200 cash rewards bonus after spending $500 in purchases in the first 3 months (Based on one search result for a $0 annual fee version) OR None identified (for the $95 AF version).

5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter.
Plus 1% cash back on all other purchases.

$0 Fraud Liability, Free Online Credit Score and Credit Report summary, Customizable text and email alerts, Metal Card option (for an extra fee).

Visa

0 months

N/A

Unlimited 1% cash back rewards on all purchases.

Global Hotel Collection, Essential Collection (low rates at hotels), Travel Concierge, Up to 25% off car rental bookings, Retail Protection, Amex Offers.

Amex

0 months

N/A

1% cash back rewards on eligible gas, grocery, and mobile phone service, internet, cable, and satellite TV services.

Reports to all three major credit bureaus, Automatic reviews for credit line increases, Flexible monthly payment due date, $0 Fraud Liability, Free Online Credit Score.

Visa

0 months

N/A

10X points on eligible hotel and car rentals booked using the Credit One Bank travel partner.
5X points on eligible dining, gas, and travel purchases.
1X points on all other purchases.

No foreign transaction fees, $0 Fraud Liability, Flexible payment due date, Free credit score access, Travel and purchase protections, Car rental discounts.

Amex

0 months

N/A

1% cash back rewards on eligible gas, grocery, and mobile phone service, internet, cable, and satellite TV services.

$0 Annual Fee, Free Online Credit Score, Automatic credit line increase opportunities.

Visa

0 months

N/A

1% cash back rewards on eligible purchases (often specific categories like gas and groceries).

Not explicitly stated (often includes $0 Fraud Liability, Free Online Credit Score, and credit building features).

Visa

0 months

N/A

1% cash back rewards on eligible gas and groceries, mobile phone service, internet, cable, and satellite TV services.

Build or Rebuild Your Credit, $0 Annual Fee, Earn interest on your security deposit (min $200 deposit required), $0 Fraud Liability, Free Credit Score.

Visa

0 months

N/A

1% cash back on all purchases.

Special Benefits and Amex Offers, Retail Protection, Special Ticket Access (Amex Presale/Reserved Tickets), NASCAR Ticket Discount.

Amex

0 months

N/A

1% cash back rewards on eligible gas, grocery, and mobile phone service, internet, cable, and satellite TV services.

Exclusive Offers for Vegas Golden Knights Fans, Show Off Your Vegas Golden Knights Pride.

Visa

0 months

N/A

5% cash back rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year, then 1% thereafter.

Best Friends Animal Society receives a donation equal to 1% of eligible purchases, Exclusive offers from pet-loving merchants.

Visa

0 months

5.90% Intro APR on purchases for the first 12 months from account opening.

1 point per $1 spent (on the "Give Back Platinum Card" version, which is the primary Platinum offering with rewards).

Identity Theft Protection, Travel Accident Insurance, supports local community initiatives.

Visa

12 months

N/A

Earn points on swipes (up to 7x points at participating merchants, 1x on eligible dining/groceries), redeemable for cash back.

Build credit using only the money in your account, No credit check required to apply, AutoPay option to avoid missed payments, Gas hold removals, Mobile Check Deposit.

Visa

0 months

10,000 Reward Points when you spend $2,500 in the first 90 days

Reward Points Program (Points for all purchases)

1.5% Cash Rebate for balances transferred within first 90 days, Mobile Payments, Card Management tools (alerts, lock/unlock, travel notification)

Visa

N/A

5.99% introductory APR for 6 months on PURCHASES made within the first 90 days

N/A (Not explicitly listed as a rewards card)

Purchase Assurance, ID Theft Protection, MasterTrip® Travel Assistance, Master RoadAssist® Roadside Service, Airport Concierge™, Global Service, Mastercard Sweepstakes/Incentives

Mastercard

6 months

Unlimited Cashback Match at end of first year

2% cash back at Gas Stations and Restaurants (up to $1,000 in combined purchases per quarter), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay, Reports to 3 major credit bureaus

Discover

N/A

Unlimited Cashback Match at end of first year

5% cash back on everyday purchases at different places each quarter (up to quarterly maximum when activated), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay

Discover

15 months

Unlimited Cashback Match at end of first year

5% cash back on everyday purchases at different places each quarter (up to quarterly maximum when activated), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay, No credit score required to apply, Reports to 3 major credit bureaus

Discover

6 months

Unlimited Cashback Match at end of first year

2% cash back at Gas Stations and Restaurants (up to $1,000 in combined purchases per quarter), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay, No credit score required to apply, Reports to 3 major credit bureaus, First late payment fee waived

Discover

6 months

Unlimited Mile-for-Mile match at end of first year

Unlimited 1.5x Miles on every dollar of every purchase

Miles can be redeemed for cash or statement credit for travel purchases, $0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay

Discover

15 months

Unlimited Cashback Match at end of first year

2% cash back at Gas Stations and Restaurants (up to $1,000 in combined purchases per quarter), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay

Discover

15 months

Unlimited Cashback Match at end of first year

5% cash back on everyday purchases at different places each quarter (up to quarterly maximum when activated), 1% cash back on all other purchases

$0 Fraud Liability, FICO® Score, 24/7 US-based customer service, Tap to pay, All 32 NHL® teams available as card designs

Discover

15 months

0% APR 12-month introductory rate on purchases and balance transfers

Earn 1.25% unlimited cash back on ALL spending categories and purchases

N/A

Visa/Mastercard (Assumed Visa/Mastercard since both are generally offered by the bank, but network is not explicitly tied to this card name in the snippet)

12 months

No introductory offer found;
contact issuer.

No explicit cash/point back on general spend in the agreement;
it is a store card primarily for Valero purchases.

30-day grace period on purchases, Fraud Liability protection.

Not specified in general agreement; typically Visa or Mastercard for general use, but Valero is a proprietary network.

Zero

2.99% Intro APR on purchases for the first 6 months.

Earn ScoreCard® Reward points with every transaction (point value varies).

No Fee for Balance Transfers, No Cash Advance Fee, Fraud Protection, Zero Liability.

Visa

6 months

1.99% APR on balance transfers for 12 months (if transferred within the first 90 days of account opening).

Varies.
The "Visa Rewards" version offers 1% cash back.
The "Visa Credit Card" version is a low-rate card.

No annual fee, No balance transfer fees, No penalty APR.

Visa

12 months

No specific points/cash bonus found.
The introductory offer is on the APR.

1 point for every $1 spent.

No Annual Fee, Contactless Capabilities.

Visa

No specific purchase or balance transfer intro APR found, but a low ongoing APR is a feature. Contact issuer for any current intro APR offers.

2.99% Introductory APR on Purchases, Balance Transfers & Cash Advances for 6 months.

No reward mentioned on the non-rewards version;
contact issuer for the "Rewards" option.

No Annual Fee, No Balance Transfer Fees, 25-Day Grace Period.

Mastercard

6 months

Receive $100 statement credit after spending $500 in the first 120 days.
PLUS, Farm Bureau membership renewal dues reimbursement if state-specific spend threshold is met.

1 point for each dollar spent on eligible purchases.

Zero Liability protection, Chip card security.

Mastercard

No specific intro APR mentioned on the Platinum version; only a low intro APR for balance transfers is offered on the World Card (a higher tier). Contact issuer for any current intro APR offers.

$100 credit after spending $1,000 in the first 90 days

1% cash back on all eligible purchases

Contactless payment, Mobile wallet support

Mastercard

12 months

$150 credit after spending $1,000 in the first 90 days

1.67% cash back on all purchases;
2% cash back for Preferred Banking clients

Contactless payment, Mobile wallet support, 2% rate for Preferred Banking clients

Mastercard

12 months

Zero annual fee

Varies, typically points or cashback

Employee benefit card

Varies (Visa/Mastercard)

N/A

Zero annual fee

No standard ongoing rewards

Build credit history, Secured by a deposit

Mastercard

N/A

Varies, typically points/credit offer

Varies, high reward rate

Concierge service, Travel benefits, Access to Private Bank services

Visa

N/A