
+$1,250 bonus
Miles · General spend
Annual fee
$95
Bonus ROI
31.3%
Required spend
$4,000
in 3 months
When you find a card you like, The Stack builds your bonus plan around it.
Showing
57
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No Annual Fee
30
of 57
Lower-commitment keepers in this view.
Bonus-Ready
38
of 57
Cards with active welcome value in this view.
Compare Cards
Compare year-one value, ongoing value, credits, and welcome-offer difficulty side by side. You can open the tool directly or select any two cards below and we will prefill the comparison.

+$1,250 bonus
Miles · General spend
Annual fee
$95
Bonus ROI
31.3%
Required spend
$4,000
in 3 months

+$1,250 bonus
Points · Travel
Annual fee
$795
Bonus ROI
20.8%
Required spend
$6,000
in 3 months

+$1,050 bonus
Points · Travel
Annual fee
$95
Bonus ROI
35.0%
Required spend
$3,000
in 3 months

+$900 bonus
Miles · Travel
Annual fee
$695
Bonus ROI
18.0%
Required spend
$5,000
in 3 months

+$750 bonus
Points · Travel
Annual fee
$550
Bonus ROI
15.0%
Required spend
$5,000
in 3 months
+$750 bonus
Points · Gas
Annual fee
$75
Bonus ROI
37.5%
Required spend
$2,000
in 3 months

+$750 bonus
Miles · General spend
Annual fee
$395
Bonus ROI
18.8%
Required spend
$4,000
in 3 months

+$750 bonus
Points · Travel
Annual fee
$95
Bonus ROI
15.0%
Required spend
$5,000
in 3 months
+$700 bonus
Miles · Travel
Annual fee
$95
Bonus ROI
23.3%
Required spend
$3,000
in 3 months

+$700 bonus
Points · Travel
Annual fee
$99
Bonus ROI
23.3%
Required spend
$3,000
in 3 months

+$700 bonus
Points · Travel
Annual fee
$95
Bonus ROI
17.5%
Required spend
$4,000
in 3 months

+$600 bonus
Points · Travel
Annual fee
$95
Bonus ROI
15.0%
Required spend
$4,000
in 3 months
+$600 bonus
Points · Travel
Annual fee
$99
Bonus ROI
60.0%
Required spend
$1,000
in 3 months

+$600 bonus
Miles · Travel
Annual fee
$150
Bonus ROI
20.0%
Required spend
$3,000
in 3 months

+$600 bonus
Points · Travel
Annual fee
$95
Bonus ROI
4.0%
Required spend
$15,000
in 6 months

+$600 bonus
Points · Travel
Annual fee
$95
Bonus ROI
15.0%
Required spend
$4,000
in 3 months
+$400 bonus
Points · Travel
Annual fee
$150
Bonus ROI
13.3%
Required spend
$3,000
in 3 months

+$400 bonus
Points · Travel
Annual fee
$229
Bonus ROI
8.0%
Required spend
$5,000
in 3 months

+$300 bonus
Points · Travel
Annual fee
$149
Bonus ROI
7.5%
Required spend
$4,000
in 3 months

+$300 bonus
Miles · Travel
Annual fee
No fee
Bonus ROI
30.0%
Required spend
$1,000
in 3 months

+$250 bonus
Cash back · Groceries
Annual fee
$95
Bonus ROI
8.3%
Required spend
$3,000
in 6 months

+$250 bonus
Points · General spend
Annual fee
No fee
Bonus ROI
25.0%
Required spend
$1,000
in 3 months

+$250 bonus
Cash back · Online shopping
Annual fee
$95
Bonus ROI
12.5%
Required spend
$2,000
in 4 months

+$200 bonus
Cash back · Groceries
Annual fee
No fee
Bonus ROI
10.0%
Required spend
$2,000
in 6 months

+$200 bonus
Cash back · Online shopping
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 3 months

+$200 bonus
Cash back · General spend
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 3 months

+$200 bonus
Cash back · General spend
Annual fee
No fee
Bonus ROI
40.0%
Required spend
$500
in 3 months

+$200 bonus
Cash back · Dining
Annual fee
No fee
Bonus ROI
40.0%
Required spend
$500
in 3 months

+$200 bonus
Cash back · Travel
Annual fee
No fee
Bonus ROI
40.0%
Required spend
$500
in 3 months

+$200 bonus
Cash back · Travel
Annual fee
No fee
Bonus ROI
40.0%
Required spend
$500
in 3 months

+$200 bonus
Points · Travel
Annual fee
$99
Bonus ROI
6.7%
Required spend
$3,000
in 3 months

+$200 bonus
Cash back · General spend
Annual fee
No fee
Bonus ROI
13.3%
Required spend
$1,500
in 6 months

+$200 bonus
Cash back · General spend
Annual fee
No fee
Bonus ROI
13.3%
Required spend
$1,500
in 6 months

+$200 bonus
Points · Travel
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 3 months

+$200 bonus
Points · Dining
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 3 months

+$200 bonus
Cash back · Utilities
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 4 months

+$200 bonus
Cash back · General spend
Annual fee
No fee
Bonus ROI
40.0%
Required spend
$500
in 3 months

+$200 bonus
Points · Dining
Annual fee
No fee
Bonus ROI
20.0%
Required spend
$1,000
in 3 months

No active bonus listed
Points · Dining
Annual fee
$325
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold

No active bonus listed
Points · Travel
Annual fee
$895
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Points · Travel
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold

No active bonus listed
Points · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold

No active bonus listed
Miles · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Points · Travel
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Miles · Travel
Annual fee
$350
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Miles · Travel
Annual fee
$595
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Miles · Travel
Annual fee
$99
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Points · Groceries
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold

No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Miles · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Cash back · Online shopping
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Points · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold

No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
No active bonus listed
Cash back · General spend
Annual fee
No fee
Bonus ROI
N/A
Needs listed threshold
Required spend
No listed offer
No active bonus threshold
Learn Before You Apply
Time your applications and meet spend requirements with normal purchases.
A $550 card can cost less than a $0 card if the benefits offset the fee.
Building credit from scratch? Here's exactly what to look for.
Terms
How to use this directory
Offer accuracy, usage expectations, and important limitations.
Data Snapshot
Apr 21, 2026
Directory reflects currently active cards available in this database.