Visa credit cards
This card fits travelers who want flexible points without a premium fee. It earns 5x on Chase Travel, 3x on dining, select streaming, online groceries, gas stations and EV charging, and 2x on other travel. The annual fee is $95 and there are no foreign transaction fees. The 3x everyday categories carry exclusions, including Target, Walmart and wholesale clubs for online grocery.
This card is for people who want one number: 2% back on everything, forever, with no annual fee. The $100 bonus requires only $500 in purchases in three months, one of the lowest hurdles among major cards. It also carries a 12-month 0% intro APR on purchases and qualifying balance transfers. The caveat is the 3% foreign transaction fee: leave it home when traveling abroad.
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
This card is built for people who travel often and will actually use its credits. It earns 8x on Chase Travel, 4x on flights and hotels booked direct and 3x on dining. The $795 annual fee, plus $195 per authorized user, only makes sense if the $300 travel credit, hotel and dining credits and lounge network get used. Points are worth up to 2x on select flights and hotels through Points Boost.
This card is for frequent travelers who want lounge access without a four-digit fee. It earns 2X on everything, 10X on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Travel. The $300 travel credit and 10,000 anniversary miles offset most of the $395 annual fee. The caveat: the travel credit only works inside Capital One Travel.
Altitude Go is for people whose biggest everyday category is food. You earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter, and 2X at grocery stores, gas and EV charging stations, and on streaming. There is no annual fee. The caveat: the 4X rate is now capped each quarter, then dining earns 1X.
The Cash+ card is for people who want high cash back and will manage category choices each quarter. You earn 5% on your first $2,000 in combined eligible purchases in two categories you choose, 2% on one everyday category, and 1% on everything else. There is no annual fee. The caveat: the 5% rate stops at the quarterly cap, and you must select categories each quarter.
This card is for travelers who book flights and hotels directly instead of through an issuer portal. Hotels earn 5 points per $1 and airlines 4 points per $1 wherever you book them. The $50 annual airline statement credit cuts the effective fee to $45. Points transfer to airline and hotel partners. The caveat: everyday non-travel, non-dining spend earns just 1 point per $1.
This card fits travelers who want points without tracking categories or paying a fee. Every purchase earns unlimited 1.5 points per $1, and travel booked through the Bank of America Travel Center earns 3 points per $1. There is no annual fee and no foreign transaction fee. The trade-off is a flat rate: heavy spenders in dining or travel can earn faster elsewhere.
Altitude Connect is for travelers who want real travel perks without an annual fee. You earn 5X on prepaid hotels and car rentals booked in the U.S. Bank Travel Center, 4X on travel, 4X at gas and EV charging stations on your first $1,000 each quarter, and 2X on dining, streaming and groceries. There are no foreign transaction fees. The caveat: the gas rate caps each quarter, and lounge access is limited to a small number of visits.
This card is for people who want travel miles without paying an annual fee. Every purchase earns 1.25X miles, and Capital One Travel hotel and car bookings earn 5X. A 0% intro APR covers purchases and balance transfers for 15 months. The caveat: the earning rate trails the Venture's 2X, so heavy spenders leave value on the table.
The starter card for United flyers. You get a free first checked bag, priority boarding, two United Club one-time passes a year and up to 60,000 bonus miles. The first year costs $0, then $150. The partner statement credits can outweigh the fee, but only if you actually use Instacart, rideshare and United's hotel portal.