Top Credit Card Offers
Compare the best sign-up bonuses, earning rates, and travel perks to find the perfect card for your wallet.
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Bilt
Premium (JOP FAVORITE)
Bilt Palladium Card
Welcome Bonus
(Subject to Approval) 50,000 Bilt Points + Gold Status + $300 Bilt Cash
After spending $4,000 on everyday purchases in the first 90 days.
View Benefits
- •2X points on everyday spend
- •Earn up to 1.25x points on rent and mortgage
- •$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- •$200 of Bilt Cash annually. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- •Priority Pass membership ($469/year value) See guide to benefits
- •No foreign transaction fees
Annual Fee
$495
Bilt Obsidian Card
Welcome Bonus
$200 Bilt Cash
When you apply and get approved.
View Benefits
- •3X points on grocery or dining (your choice, up to $25K/year). Choice remains in effect for the entire calendar year.
- •2X points on travel · 1X on everyday spend.
- •Earn up to 1.25x points on rent and mortgage.
- •No transaction fees on housing payments.
- •$100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- •No foreign transaction fees
Annual Fee
$95
No Annual Fee
Bilt Blue Card
Welcome Bonus
$100 Bilt Cash
When you apply and get approved.
View Benefits
- •1X points on everyday spend
- •Earn up to 1.25x points on rent and mortgage with no transaction fee
- •No foreign transaction fees (see rates and fees)
- •Cellular Wireless Telephone Protection (see guide to benefits)
Annual Fee
$0
American Express
PREMIUM (JOP FAVORITE FOR LOUNGE ACCESS)
American Express Platinum
Welcome Bonus
You may be eligible for as high as 175,000 Membership Rewards Points
After spending $12,000 in eligible purchases on your news card in your first 6 months of membership. Welcome offers vary and you may not be eligible for an offer.
View Benefits
- •5x points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year)
- •5x points for prepaid hotels booked through American Express Travel
- •1x everywhere else
- •$200 Airline Fee Credit
- •$600 Hotel Credit
- •$100 Resy Credit
- •$300 Lululemon Credit
- •$200 Oura Ring Credit
- •$25 per month rebate for Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium and/or YouTube TV
- •$120 Global Entry fee or up to $85 for TSA Precheck credit every 4 years
- •$15 monthly Uber or Uber Eats credit (extra $20 in December) PLUS Up to $120 Uber One Credit
- •$219 CLEAR+ fee credit per calendar year
- •$12.95 (+tax) credit for Walmart+ monthly membership subscription.
- •Rental car elite status
- •Marriott Bonvoy® Gold Elite Status + Hilton Honors™ Gold status + Leading Hotels of the World Sterling Status
- •Global Lounge Access: Priority Pass™ membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card).
Annual Fee
$895
American Express Business
PREMIUM (JOP FAVORITE FOR LOUNGE ACCESS)
The Business Platinum Card from American Express
Welcome Bonus
You may be eligible for as high as 300,000 Membership Rewards Points
After spending $20,000 in eligible purchases on your news card in your first 3 months of membership. Welcome offers vary and you may not be eligible for an offer.
View Benefits
- •5x points on flights and prepaid hotels on AmexTravel.com.
- •2x points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- •1x points on other eligible purchases.
- •The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 1/2026.
- •Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- •Get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- •$200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- •Get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- •Enroll and get up to $150 in statement credits on U.S. purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- •Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business® on the Business Platinum Card. *Subject to auto-renewal.
- •Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- •Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- •Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- •Terms Apply.
Annual Fee
$895
Chase
JOP FAVORITE FOR BEGINNERS
Chase Sapphire Preferred
Welcome Bonus
75,000 Bonus Points
After spending $5,000 on purchases in the first 3 months from account opening.
View Benefits
- •Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
- •Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel.
- •Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more.
- •Get a year of complimentary Apple TV when activated by December 31, 2026, a value of $156.
- •Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- •Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- •Transfer points to leading airline and hotel loyalty programs.
- •Member FDIC.
Annual Fee
$95
jop favorite (no annual fee)
Chase Business Ink Cash
Welcome Bonus
Earn $750 bonus cash back
After spending $6,000 on purchases in the first 3 months from account opening.
View Benefits
- •Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend.
- •Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- •Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- •Earn 5% total cash back on Lyft rides through 9/30/27.
- •Complimentary three-month Instacart+ membership.
- •0% introductory APR for 12 months on purchases.
- •No Annual Fee.
- •Member FDIC.
Annual Fee
$0
NO ANNUAL FEE
Chase Ink Business Unlimited
Welcome Bonus
Earn $750 bonus cash back
After you spend $6,000 on purchases in the first 3 months after account opening.
View Benefits
- •Earn unlimited 1.5% cash back on every purchase made for your business.
- •Earn 5% total cash back on Lyft rides through 9/30/27.
- •0% introductory APR for 12 months on purchases.
- •No Annual Fee.
- •Member FDIC.
Annual Fee
$0
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