Start no-fee. Level up only when the math works.
Start here — no annual fee
Chase Freedom Unlimited® / Flex℠
Straightforward cash back, no annual fee — the everyday card to start with.
Rakuten — cash back on shopping
Earns on top of your card rewards at stores you already use. Free to join.
SoFi Checking & Savings
High-yield savings, no account fees — a clean home for your emergency fund.
Travel & points
Chase Sapphire Preferred® / Reserve®
The classic travel-points cards. There's an annual fee — worth it if you travel enough.
Hilton Honors — American Express
No-fee hotel-points card with automatic Hilton status. Easy free-night engine.
Delta SkyMiles® Blue — American Express
No-fee Delta card — earns miles on Delta and dining with no foreign transaction fees. A fit if Delta is your airline.
Premium & business
The Platinum Card® — American Express
Lounge access and travel credits. High annual fee — only if you fly often enough to use it.
Chase Ink Business — Unlimited / Cash
For a side hustle or small business — strong welcome offers, low or no annual fee. Heads up: this referral only earns a reward if you're new to Chase business cards.
Templates & trackers
Templates & trackers
The points tracker, annual-fee calculator and card command center we run our own numbers in. Spreadsheets you keep.
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New card math, points sweet spots, and travel deals — no spam, unsubscribe anytime.