Canada
USABest Credit Cards in the United States
3x on Air Canada; 2x dining & grocery; 1x everywhere; preferred pricing on Air Canada redemptions.
Annual interest rate
3x Avios on British Airways, Aer Lingus & Iberia; $600 flight credits/year; Travel Together Ticket at $30K spend.
3x Avios on Aer Lingus, British Airways & Iberia; Avios shared across Oneworld airlines.
3x Avios on Iberia; 2x other travel; Avios shared across Oneworld airlines.
5% at Amazon, Amazon Fresh, Whole Foods & Chase Travel; 2% gas, restaurants & transit; Amazon Prime required.
3% at Amazon & Whole Foods; 2% gas, restaurants & transit; no Prime membership required.
4% on DoorDash & Caviar; 3% dining; 2% grocery; free DashPass with monthly orders.
5% on Instacart; free Instacart+ membership; cash back on groceries and delivery.
Premium business travel card; 4x Chase Travel; $300 annual travel credit; Priority Pass lounge access.
1.5% cash back on all business purchases; 0% intro APR 12 months; no annual fee.
3x on shipping, advertising, travel, internet/phone (first $150K/year); 100,000 point welcome bonus.
5% on office supplies & telecom (first $25K/year); 2% gas & dining; 0% intro APR 12 months.
2.5% cash back on purchases over $5K; 2% everywhere; high-spend business rewards card.
2x on United & dining; free first checked bag; 2 United Club passes/year; Premier status qualification.
4x on United; United Club lounge membership included; premium United status benefits for business travelers.
4x on Southwest; $500 annual travel credit; Global Entry/TSA PreCheck fee credit; upgraded boardings.
3x on Southwest; 6,000 anniversary points; 2 EarlyBird check-ins/year; earn toward Companion Pass.
5x at IHG hotels; Platinum Elite status; 4th night free on reward stays; business-focused IHG perks.
4x at Hyatt; Globalist status spending path; multiple Hyatt bonus categories; free night certificate.
1.5% cash back everywhere; 3% on dining & drugstores; 5% on Chase Travel; $250 welcome bonus.
5% rotating quarterly categories (up to $1,500/quarter); 3% dining & drugstores; 5% Chase Travel.
Credit-building card; 1.5% cash back everywhere; $25 bonus for autopay enrollment.
3x dining; 4x flights & hotels direct; $300 travel credit; Priority Pass lounges; concierge; $795 annual fee.
3x dining & online groceries; 2x other travel; 5x Chase Travel; $50 hotel credit; 1:1 point transfers.
0% intro APR for 21 months on purchases & balance transfers; no annual fee.
Credit-building card; rate can reduce by 2% with on-time payments; no annual fee.
2x on United, hotels & dining; free first checked bag; 2 United Club passes/year; $0 first year then $150.
3x on United; $125 United statement credit + 5,000 miles anniversary bonus; premium United travel benefits.
2x on United; no annual fee; MileagePlus miles never expire; 0% intro APR for 12 months.
4x on United; United Club membership included; free first & second checked bags; premium United status benefits.
2x points on Southwest; 3,000 anniversary bonus points; earn toward Companion Pass.
3x on Southwest; $75 annual travel credit; 7,500 anniversary points; 4 upgraded boardings/year.
3x on Southwest; 6,000 anniversary points; no foreign transaction fees; earn toward Companion Pass.
6x at Marriott Bonvoy hotels; 3x dining, gas & groceries (first $6K/year); free night award annually; Silver Elite status.
6x at Marriott Bonvoy hotels; 4x dining & groceries; Gold Elite status; 1,000 bonus points per stay.
3x at Marriott Bonvoy hotels; no annual fee; Silver Elite status; 15 Elite night credits/year.
5x at IHG hotels; Platinum Elite status; 4th night free on reward stays; $100 IHG hotel credit/year.
3x at IHG hotels; no annual fee; Club Silver Elite status; 20% discount on points redemptions.
5% Disney Rewards Dollars at Disney; park discounts; exclusive Disney experiences; premium tier Disney Visa.
2% Disney Rewards Dollars at Disney; 1% elsewhere; Disney character photo opportunities; park discounts.
1% Disney Rewards Dollars on all purchases; Disney character photo opportunities; 0% promo APR on Disney vacation packages.
4x at Hyatt; 2x at fitness clubs & gyms; free night certificate annually; Discoverist status.
No annual fee; earn points on rent (1x up to 100K); 3x dining; 2x travel; 16+ transfer partners; World Elite MC
No annual fee; 4% on gym/fitness/entertainment; $100 bonus
No annual fee; 0% intro APR 21 months (longest in market); cell phone protection; no rewards
$95 annual fee; 5x hotels, 4x airlines, 3x travel/dining; $50 airline credit
No annual fee; 3x on 6 categories; 20K bonus points; cell phone protection; no foreign transaction fees
Premium earning on dining and groceries; comprehensive travel benefits; $300 annual dining credit
No annual fee; 2% flat cash back; $200 bonus; 0% intro APR 12 months; cell phone protection
Earn on dining, supermarkets, and transit; premium benefits for frequent travelers
High cash back on supermarkets and gas; intro APR offer; annual fee waived first year
No annual fee; cash back on supermarkets and everyday purchases
Earn Delta miles; annual checked baggage allowance; priority boarding; companion certificate
Premium Marriott benefits; free night certificates; elite status; suite upgrades; lounge access
Premium first-class upgrades; elite status; $300 annual airline fee credit; lounge access
No annual fee; earn Delta miles with no blackout dates; simplicity for frequent Delta flyers
Earn Marriott Bonvoy points; elite night credits; annual room upgrade vouchers
Premium Marriott benefits; free night certificates; elite status; suite upgrades; lounge access
No annual fee; earn Hilton Honors points; no blackout dates or point caps
Premium Hilton benefits; free night certificate annually; elite status; room upgrades
Ultra-premium Hilton card; free night certificates; suite upgrades; resort credits; concierge
2X miles on every purchase; $300 annual travel credit; 10,000 anniversary miles; 1,300+ airport lounges
2X miles on every purchase; 75,000 bonus miles; $250 travel credit; transfer partners
No annual fee; 1.25X miles on every purchase; 20,000 bonus miles; 0% intro APR 15 months
No annual fee; 1.5% cash back on every purchase; $200 bonus; 0% intro APR 15 months
No annual fee; 3% back on groceries, dining, entertainment; $200 bonus; 0% intro APR
$39 annual fee; 1.5% cash back on every purchase; build credit with responsible use
$39 annual fee; 3% back on groceries, dining, entertainment; credit building
No annual fee; build credit with responsible use; automatic credit line reviews
No annual fee; refundable security deposit ($49-$200); build credit with responsible use
No annual fee; 1.5% cash back; secured card with $200 refundable deposit; build credit
Business card; 2X miles; $300 annual travel credit; lounge access; employee cards
Business charge card; 2% unlimited cash back; no preset spending limit; $1,200 bonus
No annual fee; 2% cash back on every purchase; $200 bonus; low intro APR on balance transfers
No annual fee; 5% cash back on top spend category (auto-detected); $200 bonus
$95 annual fee; 3X points on travel, dining, groceries; 60K bonus points; annual hotel benefit
$595 annual fee; up to 10X points on travel; 75K bonus; lounge access; annual hotel benefit
No annual fee; 2X points on groceries, gas, dining; 20K bonus points; low intro APR
No annual fee; 0% intro APR on balance transfers for 21 months; 0% on purchases for 12 months
No annual fee; 0% intro APR for 18 months on purchases and transfers; no late fees ever
No annual fee; secured card; free FICO score; build credit with responsible use
$99 annual fee ($0 first year); 2X miles on dining/gas; 50K bonus miles; free checked bag on AA
$350 annual fee; 60K bonus miles; 4 Admirals Club passes; no foreign transaction fees
$595 annual fee; 70K bonus miles; 4X miles on AA; Admirals Club membership included
No annual fee; 2X miles at grocery stores; 15K bonus miles; unlimited earning
No annual fee (with Costco membership); 4% gas, 3% dining/travel, 2% Costco, 1% other
No annual fee; 3% back in choice category; 2% grocery/wholesale; $200 bonus; 0% intro APR 15 months
No annual fee; 1.5% unlimited cash back; $200 bonus; 0% intro APR 15 months
No annual fee; 1.5 points per dollar; 25K bonus points; 0% intro APR; no foreign transaction fees
$95 annual fee; 2X on travel/dining; 60K bonus; $100 airline credit; Global Entry credit
$550 annual fee; 2X travel/dining; 75K bonus; $300 lifestyle credit; lounge access; concierge
No annual fee; 0% intro APR for 18 months on purchases and transfers; no penalty APR
No annual fee; secured card; $300 minimum deposit; build credit; automatic upgrade review
No annual fee; secured card with 1.5% cash back; $200 minimum deposit; build credit
No annual fee; secured travel rewards card; 1.5 points per dollar; no foreign fees; build credit
$400 AF; 3x mobile wallet & travel; 5x prepaid hotels/cars; $325 travel credit; Priority Pass; PreCheck
$0 first year then $95; 5x hotels/cars; 4x travel/gas; 2x grocery/dining/streaming; Priority Pass
No AF; 4x dining; 2x grocery/streaming/gas; 20K bonus; $15 streaming credit
No AF; 5% two choice categories; 2% one everyday; $200 bonus; 0% 15 months
$0 first year then $95; 6% at 2 retailers of choice; 3% one category; 5.5% travel
No AF; 3% on 4 business categories; $500 cash bonus; $100 software credit
$0 first year then $95; 5x hotels/cars; 4x travel/gas; 2x dining; Priority Pass
$99 AF; 6x JetBlue; 2x restaurants/grocery; free checked bag; path to Mosaic
No AF; 3x JetBlue; 2x restaurants/grocery; 50% inflight discount
$99 AF; 6x JetBlue; 2x restaurants/office supplies; business card
$99 AF; 3x Hawaiian; 2x gas/dining/grocery; companion discount; free checked bag
$75 AF; 6x Wyndham/gas; 4x grocery/dining; auto Platinum status; 7,500 pts anniversary
No AF; 5x Wyndham/gas; 2x grocery/dining/utilities; auto Gold status
$95 AF; 8x Wyndham/gas; 5x marketing; auto Diamond; business card
$89 AF; 5x Frontier; 3x dining; $100 flight voucher; elite status path
$99 AF; 2x AA; 1x other; 60K bonus after first purchase; free checked bag
No fees ever; 3% Apple & select merchants; 2% Apple Pay; 1% physical card; Daily Cash
No AF; 5% Amazon for Prime; special financing option; Amazon only
No AF; 3% PayPal; 2% everything else; cash back to PayPal account
No AF; 5% gas; 3% dining; 3% Sam's (Plus); Sam's Club membership required
No AF; 3%/2% auto-category; Venmo-integrated; customizable design
No AF; 4% gas/grocery; 3% dining; 2% Verizon; Verizon customers only
No AF; 5% off at Lowe's OR 6 months financing; Lowe's only
No AF; 5% at TJX stores; TJX family only
No AF; 3x grocery/gas/dining/transit; 30K bonus; military credit union only
No AF; 1.75% cash back with direct deposit; 1.5% without; $250 bonus
$49 AF; 3x travel; 2x everything else; $100 loyalty bonus; cell phone protection
No AF; 1.5% flat cash back; USAA members only; military family
$95 AF; 3x travel; 2x everyday; $100 travel credit; military family only
No AF; 4% gas; 3% dining; 2% grocery; $200 bonus; 0% BT 15 months
No AF; 2% flat cash back; $200 bonus; 0% BT 15 months
No AF; 3% gas; 2% utilities/grocery; $200 bonus
No AF; 1.5x everything; 3x Truist Travel; 25K bonus
No AF; 2% total cash back (1%+1% on pay); $150 bonus; 0% BT 15 months
No AF; 3% dining; 2% grocery; $200 bonus; 0% 15 months
No AF; 5x gas; 3x grocery/dining/streaming; PenFed open membership
No AF; 2% Honors/1.5% standard; $100 bonus; military bonus tier
No AF; 2% flat; no bonus; simple structure
$95 AF; 3x travel; 2x dining; HSBC Premier required; LoungeKey
No AF; 1.5% flat cash back; +10% rebate year 1; $150 bonus
No AF; 2% flat (Preferred); 1.67% standard; $200 bonus
No AF; 1% flat; $100 bonus; 0% 15 months
No AF; 3x on chosen quarterly category; 20K bonus; 0% intro 12 months
No AF; 3x chosen category; 25K bonus; business card
No AF; 1.5% flat; $150 bonus; 0% 12 months
No AF; 3x travel; 2x dining; 30K bonus; no FX fees
No AF; 2% flat; $200 bonus; 0% 15 months
No AF; very low APR; 0% BT 15 months; no rewards
No annual fee; 5% rotating categories; Cashback Match first year; 0% intro APR 15 months
No annual fee; 1.5x miles everywhere; Miles Match first year; no blackout dates; no foreign fees
No annual fee; 2% gas and restaurants; Cashback Match first year; 0% intro APR 15 months
No annual fee; secured card with rewards; 2% gas/restaurants; automatic upgrade review after 7 months
No annual fee; student card; 5% rotating categories; Good Grades Reward $20/year; Cashback Match first year
No annual fee; student card; 2% gas and restaurants; Good Grades Reward $20/year
No annual fee; business card; 1.5% cash back everywhere; Cashback Match first year; free employee cards
