Citi Strata
Citi Strata earns 3X at supermarkets, gas and select transit, plus one category you choose. See the $0 fee, full rates and transfer catch.
2 min read · $0 ongoing annual feeMake your points make sense.
What it earns. What it costs. When to use it.
New here? How to read these guides
Start with the earning table and TL;DR. Then check who the card fits, a spending example and how to redeem. Compare the live offer before applying.
- Cash back
- A percentage back on eligible spending. 3% on $100 = $3.
- Points / miles
- 2X means 2 points per $1 spent. It does not automatically mean 2% back. Each program has different redemption values.
- Welcome bonus / SUB
- Extra rewards for meeting an offer's spending requirement by its deadline. SUB means sign-up bonus.
- Churning
- Opening cards for welcome bonuses. Start with one card you can manage, not a pile of applications. Fees, interest and overspending can erase the upside.
- Transfer
- Moving rewards to an airline or hotel program. Often a one-way move.
The first rule: pay your statement balance in full. Interest can wipe out the rewards.
Not sure which card comes next? See the combos →
26 guides
Citi Strata Premier
Strata Premier earns 3X on flights, hotels, dining, supermarkets and gas. See the $95 fee, 10X portal rate and $100 hotel-credit catch.
2 min read · $95 ongoing annual fee
Citi Double Cash
Double Cash earns 1% when you buy and 1% when you pay, with no annual fee. See the 5% Citi Travel exception and when a category card wins.
2 min read · $0 ongoing annual fee
Capital One Savor
Savor earns 3% at qualifying grocery stores, restaurants, entertainment and streaming. See which stores count, the exclusions and its $0 fee.
2 min read · $0 ongoing annual fee
Chase Sapphire Preferred
Transferable Chase points for $95 a year. See the new 3X categories, hotel credit and Hyatt transfer catch.
2 min read · $95 ongoing annual fee
Chase Sapphire Reserve
An $795 fee, lounge access and 4X on direct flights and hotels. Work out whether your actual trips justify it.
2 min read · $795 ongoing annual fee
American Express Gold
4X on dining and U.S. supermarket groceries, with caps. Check whether the rewards and usable credits cover the $325 fee.
2 min read · $325 ongoing annual fee
American Express Platinum
5X flights, lounge access and an $895 fee. A guide to the benefits you might use and the spending that only earns 1X.
2 min read · $895 ongoing annual fee
Amex Blue Cash Everyday
3% on eligible U.S. groceries, gas and online shopping. No annual fee, but each category has a cap.
2 min read · $0 ongoing annual fee
Amex Blue Cash Preferred
Blue Cash Preferred earns 6% at eligible U.S. supermarkets, up to $6,000 yearly. See store examples, exclusions and the $95 ongoing fee.
2 min read · $95 ongoing annual fee
Delta SkyMiles Blue Amex
$0 fee, 2X on Delta and restaurants, and 20% back on eligible in-flight purchases. See which Delta benefits Blue leaves out.
2 min read · $0 ongoing annual fee
Delta SkyMiles Gold Amex
Delta baggage benefits and 2X everyday categories. Check whether your trips justify the $150 ongoing fee.
2 min read · $150 ongoing annual fee
Delta SkyMiles Platinum Amex
A renewal companion certificate and bonus miles on hotels. Know the booking restrictions before paying $350.
2 min read · $350 ongoing annual fee
Delta SkyMiles Reserve Amex
Delta lounge access with visit limits, a renewal companion certificate and a $650 fee. Not an everyday earning card.
2 min read · $650 ongoing annual fee
Hilton Honors Amex
7X at eligible Hilton hotels without an annual fee. Learn what hotel points actually mean before chasing multipliers.
2 min read · $0 ongoing annual fee
Hilton Honors Surpass Amex
12X at eligible Hilton hotels and Gold status. Compare it with the no-fee card before the $150 ongoing fee kicks in.
2 min read · $150 ongoing annual fee
Hilton Honors Aspire Amex
14X at eligible Hilton hotels, Diamond status and an annual night. Check the restrictions before committing $550.
2 min read · $550 ongoing annual fee
Marriott Bonvoy Bevy Amex
6X at eligible Marriott hotels and capped 4X food categories. Compare the $250 fee with cheaper Marriott cards.
2 min read · $250 ongoing annual fee
Marriott Bonvoy Brilliant Amex
Marriott Platinum Elite status and premium benefits for $650. Start with your hotel plans, not the credit list.
2 min read · $650 ongoing annual fee360Performance SavingsSavings account · not a card
Capital One 360 Performance Savings
What 360 Performance Savings does, how to compare its APY, and what to check before using a referral offer.
2 min read · Savings account
Chase Freedom Unlimited
Freedom Unlimited earning rates in one table. See the annual fee, cash-back math, and how it compares with Freedom Flex.
2 min read · $0 ongoing annual fee
Capital One Venture X Rewards Credit Card
When to use Venture X miles, when to transfer, and how to check whether a flight is actually a good deal.
2 min read · $395 ongoing annual fee
Chase Freedom Flex
How Freedom Flex’s quarterly categories work, what activation means, and when to use a different card.
2 min read · $0 ongoing annual fee
Capital One SavorOne Rewards Credit Card
A simple SavorOne guide to cash back, category exclusions, and how to think about pairing it with Venture X.
2 min read · $39 ongoing annual fee
Marriott Bonvoy Boundless Credit Card
How to compare Marriott cash rates, points, and free-night awards without booking a trip just to use a benefit.
2 min read · $95 ongoing annual fee
Costco Anywhere Visa Card by Citi
Costco Citi card rewards in one table: gas, EV charging, restaurants, travel and Costco purchases. Plus the shared cap and annual payout.
2 min read · $0 ongoing annual fee · Paid membership requiredU.S. personal cards first. Savings accounts stay separate from card filters.