Amex · Membership Rewards
Amex Gold
A dining-and-groceries workhorse with transferable points, layered monthly credits and a $325 annual fee.
- Current offer
- 100,000
- Annual fee
- $325
- Keeper score
- 4/5
Card directory
Every guide must preserve its research, benefit hierarchy, offer history, issuer-prefixed alternatives, and mobile behavior before it replaces the standalone prototype.
Amex · Membership Rewards
A dining-and-groceries workhorse with transferable points, layered monthly credits and a $325 annual fee.
Amex · Membership Rewards
A travel card built around broad 3X categories and CLEAR credit—at a higher fee than the competition.
Amex · Membership Rewards
A premium travel card built around the largest airport lounge network, $3,500+ in annual credits, and transferable points—with an $895 fee to justify.
Amex · Delta SkyMiles
A Delta card with free checked bags and credits that can offset the fee—if you fly Delta enough.
Amex · Hilton Honors Points
Hilton's premium co-branded card with automatic Diamond status, an annual Free Night Reward, $400 in resort credits and a $550 annual fee.
Amex · Hilton Honors Points
A hotel co-branded card that earns across everyday categories, includes automatic Hilton Gold status, and offers a $200 quarterly Hilton credit—with a $150 annual fee after the first year.
Amex · Marriott Bonvoy points
A mid-tier Marriott card with a spend-gated free night award—often the better $250 pick than Bountiful, but still squeezed by the $95 and premium Marriott cards.
Amex · Marriott Bonvoy points
A premium Marriott card that earns Platinum status and a free night—nearly a must-have for Marriott Lifetime status chasers.
Capital One · Capital One Miles
A premium travel card that packs lounge access and strong earning into a lower annual fee than competitors—if you book through the portal.
Chase · Chase Ultimate Rewards
A flexible travel card that earns across everyday spending without charging a premium-tier annual fee.
Chase · Chase Ultimate Rewards
A premium travel card built around broad lounge access, flexible travel credits and elevated direct-booking rewards—with a $795 fee to justify.
Chase · Marriott Bonvoy points
A no-fee way into Marriott Bonvoy—but the $95 Boundless is worth the upgrade for almost everyone.
Chase · Marriott Bonvoy points
The best entry-level Marriott card—a free night award every year for $95.
Chase · Marriott Bonvoy points
A mid-tier Marriott card with a free night award—but the Amex Bevy is often the better pick at the same $250 fee.
Citi · AAdvantage Miles
An American Airlines card with free checked bags and preferred boarding—best for regular AA flyers.
Citi · Citi ThankYou Points
Premium travel and dining with a 12X portal peak, $300 hotel benefit, and Priority Pass—but narrow dining windows.
Citi · Citi ThankYou Points
Best 1-card setup for most—five everyday 3X categories at $95.