Spending in US: Credit Cards Masterlist - Get Maximum cashback & Bonus

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

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.td.com/us/en/personal-banking/credit-cards/clear
11. https://creditcardlearnmore.com/11t3/max-cash-secured?ecdma-lc=12252&ecid=OTHE_25940
12. 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.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

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. HSBC: https://www.us.hsbc.com/credit-cards/
11. US Bank: https://www.usbank.com/credit-cards.html
12. PNC: https://www.pnc.com/en/personal-banking/banking/credit-cards.html?lnksrc=explore
13. USAA: https://www.usaa.com/inet/wc/banking_credit_cards_main?wa_ref=pub_global_banking_credit_cards
14. Huntington: https://www.huntington.com/Personal/credit-card
15. Morris: https://www.mycommunitycc.com/aiZlgK6ujRAY/personal
16. TRUIST: https://www.truist.com/credit-cards
17. ALLY: https://www.ally.com/credit-cards/
18. Fifth Third: https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards.html
19. United Bank: https://www.bankwithunited.com/personal-banking/credit-cards.html
20. Catskill Hudson: https://creditcardlearnmore.com/11t3/index?ecdma-lc=9341&ecid=OTHE_25940
21. Ameris Bank: https://creditcardlearnmore.com/11t3/index?ecdma-lc=12252&ecid=OTHE_25940