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
Premium travel benefits; 5x on flights and prepaid hotels via Amex Travel; $3,500+ in annual statement credits
Alaska Airlines co-brand card now earning Atmos Rewards; annual companion fare, free checked bag, and priority boarding
Unlimited 2% cash back on all eligible purchases; no annual fee; no foreign transaction fee
1.5% unlimited cash back on payments to your card; no annual fee; fixed-rate installment payoffs on every purchase
3% cash back on all categories, everywhere Visa is accepted; stainless-steel card; no annual card fee (Robinhood Gold membership required)
5% off every Target purchase in-store and on Target.com; free shipping on most items; 30 extra days returns
No annual fee student card with 3% cash back on dining, entertainment, popular streaming, and grocery purchases; 1% on all else.
No annual fee student card; 2x ThankYou Points at supermarkets and gas stations on first $6,000/year, 1x else; rounds up every purchase to nearest 10 points.
No annual fee. Unlimited 2% cash back on every business purchase with a $500 welcome bonus.
No annual fee. 3% cash back on eligible gas/EV, office supply, restaurants, and cell phone services; 5% on prepaid hotels/cars via U.S. Bank Travel Rewards.
Premium business travel card; 5x on flights/prepaid hotels via Amex Travel; lounge access plus $1,200+ in annual business credits
Business-side Alaska Airlines card, now earning Atmos Rewards; annual Companion Fare, free checked bag, and Alaska lounge discounts
No annual fee student card with unlimited 1.5% cash back on every purchase plus 5% on hotels and cars via Capital One Travel.
4x on 2 top business categories where you spend most; 100,000-point welcome bonus; $240 in flexible business credits
No annual fee student card with 3% cash back in chosen category (gas, online, dining, travel, drug stores, or home improvement), 2% at grocery stores and wholesale clubs.
No annual fee. Unlimited 1.5% cash back on every business purchase; 5% on hotels and cars via Capital One Travel.
Platinum Card benefits plus ability to convert Membership Rewards points to Schwab brokerage cash at 1.1 cents per point
No annual fee student travel card with unlimited 1.5x points on every purchase and no foreign transaction fees.
$0 intro annual fee first year then $95. 2x miles on every purchase, 5x on hotels and cars via Capital One Travel.
No annual fee student card with unlimited 1.5% cash back on all purchases and a $200 online bonus.
$695 annual fee. 5x Membership Rewards on flights/prepaid hotels via Amex Travel, 1.5x on $5,000+ purchases up to $2M/yr. Centurion Lounge access.
No annual fee. 2X Membership Rewards on first $50,000/yr (then 1X). 0% intro APR 12 months.
No annual fee. 3% chosen category (gas/office/travel/computer/business consulting), 2% dining, 1% else; combined $50k/yr cap on 3%+2%.
No annual fee. 2% automatic cash back on first $50,000/yr in eligible purchases (then 1%). 0% intro APR 12 months.
No annual fee. Unlimited 1.5% cash back on all business purchases with $300 welcome bonus.
$95 annual fee (waived first year). Charge card with 2X Membership Rewards on flights and prepaid hotels via Amex Travel, 1X else.
$0 first year then $150. 2x miles on Delta, restaurants, US shipping; 1x else. Free first checked bag on Delta flights.
