Spending in US 101: How to get the Best Credit Cards - Maximum cashback & Bonus

Getting a credit card is a significant step in your financial journey.
Before applying, it's crucial to understand how credit cards work and what qualifications you'll need.

How Credit Cards Work

A credit card is a financial tool that allows you to borrow money from a lender (typically a bank or financial services company) to make purchases. This can be a physical card or stored virtually in a digital wallet.

• Borrowing Money: When you use a credit card, you're essentially borrowing money from the issuer.
• Repayment: You are required to pay back at least a minimum amount of what you borrowed each month.
• Interest (APR): Any money you don't pay back by the due date will accrue interest over time, based on the card's Annual Percentage Rate (APR).
• Credit Limit: Lenders set a credit limit, which is the maximum amount you can charge to the account. Your available credit decreases as you use the card and increases as you pay down your balance.
• Building Credit: Responsible credit card use, including timely payments, is an excellent way to build a positive credit score. A good credit score is vital for securing loans for major purchases like a car or a home mortgage in the future.

What You'll Need to Apply for a Credit Card

To apply for a credit card, you'll generally need to meet specific requirements and provide certain information.

General Requirements:

• Age: You must be at least 18 years old.
• Residency: You typically need to be a U.S. citizen or permanent resident.
• Income: A source of income is usually required to demonstrate your ability to make payments.
  • Applicants 21 or Older: You can list any income to which you have access, including that of a spouse or partner.
  • Applicants Under 21: You must show proof of sufficient independent income to manage payments.

Identification and Financial Information:

When you're ready to apply for a specific card, have the following information readily available:

• Full name
• Date of birth
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Country of citizenship
• Contact information (address, phone, email)
• Employment status
• Annual income (including non-taxable income like Social Security or disability income)
• Housing expenses (e.g., mortgage or rental payments)
• Bank account information

Credit History:

• Necessity: For most credit cards, a credit history is required. This demonstrates your past borrowing and repayment behavior.
• For Newcomers: If you're new to credit and don't have a credit history, there are specific cards designed for building credit from scratch. These can be used to establish a positive payment history, allowing you to qualify for better cards later.
• Foreign Credit History: If you're a non-U.S. citizen with a positive credit history in your country of origin, it generally cannot be directly transferred to the United States. You'll typically need to build a new credit history here.

Understanding Your Credit Score

Your credit score is a numerical representation (typically ranging from 300 to 850) that lenders use to assess your creditworthiness.¹ A higher score indicates lower risk to lenders, increasing your chances of approval and qualifying for favorable interest rates.

Factors Influencing Your Credit Score:

While the exact algorithms vary by scoring model (e.g., FICO, VantageScore), common factors include:

• Payment History: Your track record of making on-time payments is the most significant factor.
• Amounts Owed (Credit Utilization): The amount of credit you're using compared to your total available credit. Keeping this low (ideally under 30%) is beneficial.
• Length of Credit History: The longer your accounts have been open and in good standing, the better.
• New Credit: Applying for too much new credit in a short period can temporarily lower your score.
• Credit Mix: Having a healthy mix of different credit types (e.g., credit cards, installment loans like car loans or mortgages) can be positive.

Managing Your Credit Score:

• Check Your Report Annually: Regularly check your credit report (at least once a year) for accuracy. This is a "soft inquiry" and will not affect your score. You can get free copies from AnnualCreditReport.com.
• Improve Your Score: If your score is low, focus on making all payments on time, keeping credit utilization low, and addressing any negative items on your report. It takes consistent positive activity to build or improve a score.
• Limit Hard Inquiries: "Hard inquiries" occur when you apply for new credit. These can slightly lower your score for a short period. Only apply for credit when genuinely needed.
• Building Positive History: To build good credit, you'll need to demonstrate positive payment history over time by making regular purchases and consistently paying off your balance on time every month.
• FICO Score Creation: It typically takes about six months of credit activity for a FICO credit score (the most commonly used score by lenders) to be generated. Once you have a FICO score, you'll likely find a wider variety of credit cards available to you.

Credit Card Networks

Credit card networks are the companies that process transactions between the merchant and the bank. The four major networks in the United States are:

• American Express: Operates one of the world's largest global payment networks and also issues its own cards.
• Discover: The Discover Global Network operates in over 200 countries and territories and also issues its own cards.
• Mastercard: Operates in more than 210 countries and territories, making Mastercard credit cards widely accepted globally. Does not issue its own cards; partners with banks.
• Visa: Accepted in over 200 countries and territories, with billions of Visa cards in use worldwide. Does not issue its own cards; partners with banks.

While Visa and Mastercard have historically been the most widely accepted, American Express and Discover are continuously expanding their global presence. Note that American Express and Discover are unique among these four in that they both operate the network and issue their own cards, unlike Visa and Mastercard which partner with other banks to issue cards.

Preapproval: What It Means

"Preapproval" means a lender has conducted a "soft inquiry" on your credit report. Based on this, they've determined you meet some of their initial criteria.

• Benefits of Preapproval Offers:
  • No Impact on Credit Score: Soft inquiries do not affect your credit score.
  • Higher Approval Odds: You're more likely to be approved if you formally apply, assuming your financial situation hasn't changed.
  • Compare Offers: Allows you to compare different card offers before committing to an application.
• Formal Application: To get the card, you still need to complete a formal application. This will trigger a "hard inquiry" on your credit report, which can temporarily affect your score.

Types of Credit Cards

Choosing the right credit card depends on your lifestyle, financial goals, and spending habits. Here are the four most common types:

• Rewards Cards:
  • Purpose: Earn points, miles, or other rewards on qualifying purchases.
  • Redemption: Rewards can be redeemed for gift cards, cash back, travel, merchandise, and more.
  • Features: Often come with annual fees and potentially higher APRs.
• Cashback Cards:
  • Purpose: Earn a percentage of your spending back as cash.
  • Features: May also have higher APRs. Some have annual fees, while many popular ones do not.
• Low-Rate Cards:
  • Purpose: Prioritize a low Annual Percentage Rate (APR).
  • Features: Typically have no annual fees and generally do not offer rewards or cash back. Ideal if you anticipate carrying a balance.
• Secured Cards:
  • Purpose: Designed for individuals with no credit history or poor credit to build or rebuild credit.
  • How it Works: Requires a security deposit with the lender, which typically becomes your credit limit.
  • Features: Usually have tighter spending limits and generally do not earn rewards or cash back. The deposit minimizes risk for the issuer.
    
    

Links to check if you are pre-approved for any cards:

1. Capital One - Get Pre-Approved for a Capital One Credit Card | Capital One
2. AMEX - American Express
3. Citi - Citi Credit Card - Check Pre-Screened Card
4. Bank of America - Credit Card Offers Customized for You from Bank of America
5. Wells Fargo - Check for Prequalified Credit Card Offers | Wells Fargo
6. CreditOne - See if You're Pre-Qualified for a Credit Card | Credit One Bank
7. Upgrade - Upgrade Card | Credit lines from $500 to $25,000
8. Discover - Credit Card Pre-Approval | Discover (discovercard.com)
9. Navy Federal - See If You Prequalify for a Navy Federal Credit Card | Navy Federal Credit Union
10. TRUIST - https://creditcard.digitalcommerce.truist.com/product/dcfo
11. Barclays - https://cards.barclaycardus.com/banking/credit-card/wyndham/bcus_storefront/prequal/4babffd4-1d52-4850-80b6-c8ca492ab896/?proveEnabled=true&referrerid=BCSCD&xsessionid=A1B39AD564940C2D2BB93998124CB2EB
12. TD Bank - Link

Build Credit using your 1st card (needs ITIN)

1. New to Credit Cards | Chase.com
2. Citi Simplicity® Credit Card with introductory APR | Citi.com
3. Chime - Signing up takes 2 minutes!
4. The Card for Credit Builders (self.inc)
5. Petal 1 Family Visa Credit Card (petalcard.com)
6. Petal 2 Visa Credit Card (petalcard.com)
7. TomoCredit – No Credit Score Needed | All-New Black Card
8. Bank of America® Travel Rewards Credit Card - Apply Today
9. American Express blue-cash-everyday (needs foreign credit history)
10. https://www.bangor.com/everblue/personal-everblue-credit-cards/everblue-credit-building/
11. https://www.td.com/us/en/personal-banking/credit-cards/clear
12. https://creditcardlearnmore.com/11t3/max-cash-secured?ecdma-lc=12252&ecid=OTHE_25940
13. https://creditcardlearnmore.com/11t3/secured?ecdma-lc=12252&ecid=OTHE_25940

Student Cards:

1. Discover it® Student Cash Back Card
2. Discover it Student Chrome Credit Card | Discover
3. SavorOne Student Credit Card | Capital One
4. Quicksilver Student Credit Card | Capital One
5. Bank of America® Unlimited Cash Rewards Student Credit Card
6. Bank of America® Cash Rewards Credit Card for Students
7. Bank of America® Travel Rewards Credit Card for Students
8. Deserve Student Credit Card
9. Firstcard - Banking for College Students - Sign Up

Secured cards: 
If you have a Social Security number but a thin/bad credit file, you may need to start building your U.S. credit history by applying for a secured credit card. You provide a deposit, usually $200 or more, that the issuer holds in case you don't pay your bill. In most cases, your deposit becomes your credit limit — put down a $500 deposit, for example, and your credit limit is $500. Many secured card issuers submit your activity and payment history to the major credit bureaus, so this can be a good way to build a solid credit history.

1. Build Credit with a Secured Credit Card | Capital One
2. Secured Credit Card to Build Credit | Capital One
3. OpenSky Secured Credit Card Application (openskycc.com)
4. Secured Credit Card | Discover
5. Citi® Secured Mastercard® | Apply for Secured Credit Card | Citi.com
6. Cash Rewards Secured Credit Card from Bank of America
7. Bank of America® Unlimited Cash Rewards Secured Credit Card
8. Bank of America® Secured Travel Rewards Credit Card
9. https://www.fnbo.com/personal-banking/credit-cards/visa-secured-card
10. https://www.td.com/us/en/personal-banking/credit-cards/secured-credit-card
11. https://www.usbank.com/credit-cards/secured-visa-credit-card.html
12. https://www.usbank.com/credit-cards/altitude-go-secured-visa-credit-card.html
13. https://www.usbank.com/credit-cards/cash-plus-secured-visa-credit-card.html
14. https://www.huntington.com/Personal/credit-card/secured-credit-card
15. https://www.truist.com/credit-cards/enjoy-cash-secured
16. https://creditcardlearnmore.com/11t3/secured?ecdma-lc=09341&ecid=OTHE_25940
17. https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards/secured-card.html
18. https://www.usaa.com/inet/wc/bank-credit-card-usaa-secured-visa?amp;wa_ref=cc_main_securedvisa_viewdetails
19. https://www.usaa.com/inet/wc/bank-credit-card-usaa-secured-amex?amp;wa_ref=cc_main_securedamex_viewdetails

1.5% to 2% FLAT cashback on everything: 
(Not Recommended as 2% cashback cards are better & available)

1. Quicksilver for Good Credit: Earn Cash Back | Capital One
2. Chase Freedom Unlimited Credit Card | Chase.com
3. Upgrade Cash Rewards Card
4. Bank of America® Unlimited Cash Rewards Credit Card
5. https://creditcardlearnmore.com/11t3/college-real-rewards?ecdma-lc=09341&ecid=OTHE_25940
6. https://creditcardlearnmore.com/11t3/college-real-rewards?ecdma-lc=12252&ecid=OTHE_25940
7. https://www.americanexpress.com/us/credit-cards/card/cash-magnet/
8. https://www.huntington.com/Personal/credit-card/cash-back-card
9. https://www.usaa.com/inet/wc/bank-credit-card-preferred-cash-rewards-visa-signature?amp;wa_ref=cc_main_preferredcashvisa_viewdetails
10. https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards/fifth-third-cash-back.html
11. https://www.citizensbank.com/credit-cards/cash-back-world-mastercard.aspx
12. https://www.aspire.com/pre-qualify/
13. https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-points-visa-credit-card.html (NOT RECOMMENDED at all)

2% FLAT cashback on everything: (To keep things simple)

1. Citi® Double Cash Card - Cash Back Credit Card | Citi.com
2. Learn More about the PayPal Cashback Mastercard® | PayPal US
3. Synchrony Premier Mastercard | Synchrony Bank
4. https://www.fnbo.com/personal-banking/credit-cards/evergreen
5. https://creditcards.wellsfargo.com/active-cash-credit-card/
6. https://www.td.com/us/en/personal-banking/credit-cards/double-up
7. https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards/fifth-third-preferred-cash-back.html
8. https://www.ally.com/credit-cards/unlimited-cash-back-card/
9. https://www.citizensbank.com/credit-cards/citizens-wealth.aspx
10. https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-unlimited-visa-credit-card.html

Multi-category 3% Cashback Cards:

1. SavorOne Rewards for Good Credit: Earn Cash Back | Cash Back on Dining & Grocery Stores | Capital 
2. Upgrade OneCard | Finally One Card for Everything
3. Upgrade Life Rewards
4. Venmo Credit Card Rewards | Venmo 
5. Bank of America® Customized Cash Back Rewards Credit Card
6. https://www.americanexpress.com/us/credit-cards/card/green/
7. https://www.americanexpress.com/us/credit-cards/card/amex-everyday-preferred/
8. https://www.fnbo.com/personal-banking/credit-cards/getaway
9. The Bilt Mastercard® - Pay rent and earn points with no transaction fee (biltrewards.com)
10. https://creditcards.wellsfargo.com/autograph-visa-credit-card/
11. https://www.td.com/us/en/personal-banking/credit-cards/first-class-card
12. https://www.apple.com/apple-card/
13. https://www.huntington.com/Personal/credit-card/voice-rewards-credit-card
14. https://www.truist.com/credit-cards/enjoy-cash
15. https://www.ally.com/credit-cards/everyday-cash-back-card/
16. https://www.usaa.com/inet/wc/bank-credit-card-usaa-rewards-american-express?amp;wa_ref=cc_main_rewardsamex_viewdetails

Category-specific 4% Cashback Cards:

A) 4% cash back on dining, take-out & food delivery, groceries @ supermarkets,
+ 3% cash back on flights
https://www.americanexpress.com/us/credit-cards/card/gold-card/

B) 4% cash back on gas station purchases
+ 3% cash back on dining purchases at restaurants
+ 2% cash back on grocery store purchases
https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html

C) 4% cash back on dining, take-out & food delivery
+ 2% at grocery stores, grocery delivery, gas, electric vehicle charging stations, streaming services
https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
https://creditcardlearnmore.com/11t3/202302/consumer-edr?ecdma-lc=12252&ecid=OTHE_25940
https://creditcardlearnmore.com/11t3/202302/consumer-edr?ecdma-lc=09341&ecid=OTHE_25940

Category-specific 5%+ Cashback Cards:
No annual fee with $150-$200 Sign-on Bonus

A) On random 1-2 categories per Quarter:
(NOT RECOMMENDED Due to randomness)

$300 yearly bonus limit ($180 benefit over 2% card)

1. Discover it® Cash Back Credit Card | Apply in Minutes
2. Chase Freedom Flex Credit Card | Chase.com
   
   

B) On 1 max-used category per Month automatically:
$300 yearly bonus limit ($180 benefit over 2% card)

1. Citi Custom Cash Credit Card - Earn 5% Cash Back | Citi.com

C) On max 2 categories of your pre-selected choice:
$400 yearly bonus limit ($240 benefit over 2% card)

1. https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
2. https://creditcardlearnmore.com/11t3/max-cash?ecdma-lc=12252&ecid=OTHE_25940
3. https://creditcardlearnmore.com/11t3/max-cash?ecdma-lc=09341&ecid=OTHE_25940
   
   

D) Only on 1 pre-fixed expense:

1. Capital One Walmart Rewards Card | Capital One 
2. https://www.usaa.com/inet/wc/bank-credit-card-cashback-rewards-plus-american-express?amp;wa_ref=cc_main_cashbackamex_viewdetails
   
   

E) Category-specific 6% Cashback Cards:
(NOT RECOMMENDED due to $95 fee & other limitations)

1. 6% on 2 categories + 3% on 1 extra category
   (per $1500 max spend per quarter)
   https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html
   
   
2. 6% cashback on Grocery + Streaming:
   https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
   (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets)
   

Travel cashback credit cards (you should at least have 1):

Tier 1: Need Excellent Credit

1. Venture X Rewards | Capital One - $395 fee/yr
   NOTE: Card includes price matching for all bookings made via CapitalOne travel portal
   5% on flights for purchases via CapitalOne travel portal
   10% on Hotels + Car Rentals for purchases via CapitalOne travel portal
   2% cashback on everything else
   $300 Annual Travel Credit for use only in CapitalOne travel portal
   $100 Annual travel credit
   $100 credit for Global Entry or TSA PreCheck every 4years
   $530 value Travel lounge Priority Pass membership
   1st year Bonus: $750 after spending $4k in 3months
   
   
2. Chase Sapphire Reserve Credit Card | Chase.com - $550 fee/yr
   NOTE: Card excludes price matching for all bookings made via Chase TravelSM portal
   7.5% points on Flights for purchases via Chase TravelSM portal
   15% points on Hotels + Car Rentals for purchases via Chase TravelSM portal
   4.5% points on all other travel
   4.5% points on streaming services, dining, take-out, food delivery & online grocery purchases
   $300 Annual Travel Credit
   $100 credit for Global Entry or TSA PreCheck every 4years
   $530 value Travel lounge Priority Pass membership
   1st year Bonus: $900 after spending $4k in 3months + $500 Lyft+Doordash+Instacart benefits
   
   
   
3. 6% on flights + Hotels + Car Rentals:
   https://creditcardlearnmore.com/11t3/202305/reserve-rewards-plus?ecdma-lc=12252&ecid=OTHE_25940 - $400 fee/yr
   https://creditcardlearnmore.com/11t3/202305/reserve-rewards-plus?ecdma-lc=09341&ecid=OTHE_25940 - $400 fee/yr
   
   
4. 5% on Hotels + Car Rentals + 3% on travel:
   https://www.usbank.com/credit-cards/altitude-reserve-visa-infinite-credit-card.html - $400 fee/yr
   
   
5. 5% on Hotels + flights:
   https://www.americanexpress.com/us/credit-cards/card/platinum/ - $695 fee/yr
   
   
6. 3% on flights + Hotels + Car Rentals:
   https://www.us.hsbc.com/credit-cards/products/elite/ - $400 fee/yr
   
   
7. 2% on flights + Hotels + Car Rentals + Dining:
   Bank of America® Premium Rewards® Elite Credit Card - $550 fee/yr
   
   
   
   

Tier 2: Need Good Credit -
VISA Signature (or equivalent) Cards - $95 fee/yr

1. 6.25% points on travel (Flights+Hotel+Car Rental) purchased through Chase TravelSM
   3.75% points on streaming services, dining, take-out, food delivery & online grocery purchases
   2.5% points on all travel 
   $50 Annual Chase Travel Hotel Credit
   1st year Bonus: $750 after spending $4k in 3months + $200 Doordash+Instacart benefits
   Chase Sapphire Preferred Credit Card | Chase.com
   
   
2. 5x points on Hotel+Car Rental purchased through CapitalOne Travel
   2% points on all other purchases
   $50 in premium hotel stay credit & $50 in travel credit for 10days flight price drops
   1st year Bonus: $750 after spending $4k in 3months
   Venture Rewards Travel Card — Apply Today| Capital One
   
   
3. 5% points on flights purchases
   10% on Hotels + Car Rentals for purchases via Credit One Bank travel partner.
   Credit One Bank Wander Card | Credit One Bank
   
   
4. 5% points on hotels + car rental purchases via Altitude Rewards Center
   4% points on flights + all other travel
   2% points on other streaming + dining
   1% on everything else
   Priority Pass™ Select membership = 4 free airport lounge visits anually
   $100 credit for Global Entry or TSA PreCheck every 4years
   1st year Bonus: $500 after spending $2k in 4months 
   https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
   
   
5. 5% points on hotels + 4% points on flights/airlines
   3% points on other travel + dining
   1% on everything else
   1st year Bonus: $600 after spending $4k in 3months 
   https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
   
   
6. 3% points on flights and hotel purchases
   1% on everything else
   $100 hotel credit on 1 hotel stay booking of $500+
   1st year Bonus: $600 after spending $4k in 3months 
   Citi Premier® Card - Travel Rewards Credit Card | Citi.com
   
   
7. 2% points on travel & dining
   1% on everything else
   1st year Bonus: $600 after spending $4k in 3months 
   Bank of America® Premium Rewards® Credit Card - Apply Today
   
   
8. 4% points all on travel
   4% points on gas stations, EV charging stations, entertainment, and recreation purchases
   1.5% on everything else
   1st year Bonus: $250 after spending $2k in 4months 
   https://creditcardlearnmore.com/11t3/202305/travel-rewards-plus?ecdma-lc=12252&ecid=OTHE_25940
   
   
9. 4% points all on travel
   4% points on gas stations, EV charging stations, entertainment, and recreation purchases
   1.5% on everything else
   1st year Bonus: $250 after spending $2k in 4months
   https://creditcardlearnmore.com/11t3/202305/travel-rewards-plus?ecdma-lc=09341&ecid=OTHE_25940
   
   
10. 3% points all on travel
    2% on everything else
    $100 credit for Global Entry or TSA PreCheck every 4years
    $100 travel credit annually after booking hotel or car through the USAA Rewards Center
    1st year Bonus: $300 after spending $3k in 3months
    https://www.usaa.com/inet/wc/bank-credit-card-usaa-eagle-navigator-visa?wa_ref=cc_main_navigator_viewdetails
    
    
11. 3% points all on travel
    2% on dining
    1% on everything else
    $100 credit for Global Entry or TSA PreCheck every 4years
    $100 travel credit annually on ground transport, streaming services, and ticket agencies
    1st year Bonus: $300 after spending $1.5k in 3months
    https://www.truist.com/credit-cards/enjoy-beyond - $195 fee/yr

Individual Airlines Credit Cards:

AMERICAN (AA):

1. AAdvantage® Aviator® Red World Elite Mastercard® | Barclays US (barclaycardus.com) - $95 fee/yr
   1st year Bonus: 50k AA miles
   
   
2. Citi® / AAdvantage® Platinum Select® Card - Airline Miles Credit Card | Citi.com - $95 fee/yr
   1st year Bonus: 75k AA miles after $3.5k spend in 4months
   
   
3. Citi® / AAdvantage® Executive - Airline Miles Credit Card | Citi.com -  $550 fee/yr
   $100 credit for Global Entry or TSA PreCheck every 4years
   Admirals club membership
   1st year Bonus: 70k AA miles after $7k spend in 3months
   

DELTA:

1. https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
2. https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
3. https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
4. https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/

UNITED:

1. United Explorer Credit Card | Chase.com -  $95 fee/yr
   1st year Bonus: 50k miles after $3k spend in 3months
   
   
2. United Quest Card | Chase.com -  $250 fee/yr
   $125 annual United purchase credit, two free checked bags
   1st year Bonus: 60k miles after $4k spend in 3months
   
   
3. United Gateway Card | Chase.com - No annual fee
   1st year Bonus: 20k miles after $1k spend in 3months
   
   
4. United Club Infinite Credit Card | Chase.com - $525 fee/yr
   United ClubSM membership, 2 free checked bags
   1st year Bonus: 80k miles after $5k spend in 3months
   
   

OTHER AIRLINE CARDS with Sign-On Bonuses:

1. Breeze Easy™ Visa® Credit Card | Barclays US (barclaycardus.com)
2. FRONTIER Airlines World Mastercard - Apply Today! | Barclays US (barclaycardus.com)
3. Free Spirit® World Elite Mastercard from Bank of America
4. Air France KLM World Elite Mastercard® (bankofamerica.com)
5. Hawaiian Airlines® World Elite Business Mastercard® | Barclays US (barclaycardus.com)
6. JetBlue Plus Card | Airline Points Credit Card | Travel Rewards | Barclays US (barclaycardus.com)
7. Southwest Rapid Rewards Plus Credit Card | Chase
8. Southwest Rapid Rewards Priority Credit Card | Chase
9. Aeroplan Card | Chase.com
10. British Airways Credit Card | Travel | Rewards | Chase
11. Aer Lingus Credit Card | Travel | Rewards | Chase
12. Iberia Credit Card | Travel and Airline | Rewards | Chase
13. Alaska Airlines Visa® Credit Card - Apply Today (bankofamerica.com)

Hotel Chains:

MARRIOTT:

1. Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com
2. Marriott Bonvoy Boundless: Travel Credit Card | Chase.com
3. Marriott Bonvoy Bountiful Travel Credit Card | Chase
4. https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
5. https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/

IHG:

1. IHG One Rewards Premier Credit Card | Chase
2. IHG One Rewards Traveler Credit Card | Chase.com
3. World of Hyatt Credit Card: Hotel Rewards | Chase

HILTON:

1. https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
2. https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
3. https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/

BEST WESTERN:

1. https://www.card.fnbo.com/landing/bestwestern/premium
2. https://www.card.fnbo.com/landing/bestwestern/base

WYNDHAM:

1. https://www.wyndhamrewardscreditcard.com/#earnerplus
2. https://www.wyndhamrewardscreditcard.com/#earner

CHOICE HOTELS:

1. https://creditcards.wellsfargo.com/choice-hotel-privileges-mastercard/
2. https://creditcards.wellsfargo.com/choice-hotels-privileges-select-mastercard/

Cruise Lines:

1. Carnival® World Mastercard® | Travel Rewards | Barclays US (barclaycardus.com)
2. Royal Caribbean® Visa Signature® Credit Card - Apply Today (bankofamerica.com)
3. Norwegian Cruise Line® World Mastercard® Credit Card (bankofamerica.com)
4. Celebrity Cruises Credit Card from Bank of America®
5. Princess Cruises® Rewards Visa® Card | Travel Card | Barclays US (barclaycardus.com)
6. Holland America Line Rewards Visa® Card | Travel Rewards | Barclays US (barclaycardus.com)

Wholesale clubs:

1. BJ's Wholesale Club Credit Card | Capital One
2. Capital One Walmart Rewards Card | Capital One
3. Costco Anywhere Visa Card by Citi — Citi.com

0% Intro APR on Purchases & Balance Transfers:

1. https://www.discover.com/credit-cards/cash-back/it-card.html
2. https://creditcards.wellsfargo.com/reflect-visa-credit-card/
3. https://www.td.com/us/en/personal-banking/credit-cards/flex-pay
4. https://www.usbank.com/credit-cards/visa-platinum-credit-card.html
5. https://www.huntington.com/Personal/credit-card/voice-low-rate-credit-card
6. https://www.mycommunitycc.com/aiZlgK6ujRAY/personal/platinum-edition-visa
7. https://www.mycommunitycc.com/aiZlgK6ujRAY/personal/visa-signature-travel
8. https://www.truist.com/credit-cards/future
9. https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards/fifth-third-one-percent-cash-back.html
10. https://www.citizensbank.com/credit-cards/no-annual-fee-mastercard.aspx
11. https://creditcardlearnmore.com/11t3/202308/consumer-platinum?ecdma-lc=12252&ecid=OTHE_25940
12. https://creditcardlearnmore.com/11t3/index?ecdma-lc=9341&ecid=OTHE_25940
13. https://creditcardlearnmore.com/11t3/202308/consumer-platinum?ecdma-lc=09341&ecid=OTHE_25940
14. https://www.usaa.com/inet/wc/bank-credit-card-rate-advantage-platinum-visa?amp;wa_ref=cc_main_rateadvantage_viewdetails
15. https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-core-visa-credit-card.html
16. https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-points-visa-credit-card.html
17. https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
18. https://www.bangor.com/everblue/personal-everblue-credit-cards/everblue-low-rate/

Find & Browse credit cards that suit your needs via Bank websites:

1. VISA - Apply for a Credit Card | Visa
2. MasterCard - Find a Credit Card - Mastercard
3. Barclays - Browse Credit Cards | Barclays US (barclaycardus.com)
4. Chase - Credit Cards - Compare Credit Card Offers and Apply Online | Chase
5. CapitalOne - Compare Credit Cards & Apply Online | Capital One
6. Citi - Citi Credit Cards – Find the right Credit Card for you – Citi.com
7. AMEX: American Express
8. Crypto.com: Crypto.com Visa Card: The only crypto card you need
9. Bank of America: Credit Cards: Find & Apply for a Credit Card Online at Bank of America
10. Synchrony - https://www.synchrony.com/financing/credit-cards
11. TD Bank - https://www.td.com/us/en/personal-banking/credit-cards
12. HSBC: https://www.us.hsbc.com/credit-cards/
13. US Bank: https://www.usbank.com/credit-cards.html
14. PNC: https://www.pnc.com/en/personal-banking/banking/credit-cards.html?lnksrc=explore
15. USAA: https://www.usaa.com/inet/wc/banking_credit_cards_main?wa_ref=pub_global_banking_credit_cards
16. Huntington: https://www.huntington.com/Personal/credit-card
17. Morris: https://www.mycommunitycc.com/aiZlgK6ujRAY/personal
18. TRUIST: https://www.truist.com/credit-cards
19. ALLY: https://www.ally.com/credit-cards/
20. Fifth Third: https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards.html
21. United Bank: https://www.bankwithunited.com/personal-banking/credit-cards.html
22. Catskill Hudson: https://creditcardlearnmore.com/11t3/index?ecdma-lc=9341&ecid=OTHE_25940
23. Ameris Bank: https://creditcardlearnmore.com/11t3/index?ecdma-lc=12252&ecid=OTHE_25940