11 4x → ≈ 5.2% back United flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| United | 4x | 5.2% |
| Dining | 2x | 2.6% |
| Travel | 2x | 2.6% |
| Streaming | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $1,440/yr face value
Credits (10)
- Free First and Second Checked Bags $360 /yr
- $200 Annual United Travel Credit $200 /yr
- $15 Monthly Instacart Credit $180 /monthly
- $150 Renowned Hotels and Resorts Statement Credit $150 /yr
- $150 JSX Statement Credit $150 /yr
- Global Entry/TSA PreCheck Credit $120 /yr
- Annual 10,000-mile Award Flight Discount $100 /yr
- $8 Monthly Rideshare Credit $100 /monthly
- $80 Avis or Budget Travel Credit $80 /yr
- 1,000 Card Bonus PQP
Other (1)
- 25% Back on United Inflight Purchases
Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →
12 5% back
Citi
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Dining | 5% | 5% |
| Flights | 5% | 5% |
| Hotels | 3% | 3% |
| Cruise | 3% | 3% |
| Everything else | 1% | 1% |
Benefits · $2,050/yr face value
Credits (3)
- Fourth Night Free $800 /yr
- $250 Annual Travel Credit $250 /yr
- Global Entry/TSA PreCheck Credit $100 /yr
Status & Elite Perks (1)
- Priority Pass Select $100 /yr
Protections (1)
- Cell Phone Protection $800 /yr
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
13 5% back
Discover
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 5% | 5% |
| Gas | 5% | 5% |
| Drugstores | 5% | 5% |
| Transit | 5% | 5% |
| EV Charging | 5% | 5% |
| Everything else | 1% | 1% |
Benefits · $0/yr face value
Protections (1)
- $0 Fraud Liability Guarantee
Other (4)
- Free FICO Credit Score
- Freeze it Feature
- Online Privacy Protection
- Free Social Security Number Alerts
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
14 5% back
Discover
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 5% | 5% |
| Gas | 5% | 5% |
| Drugstores | 5% | 5% |
| Transit | 5% | 5% |
| EV Charging | 5% | 5% |
| Everything else | 1% | 1% |
Benefits · $0/yr face value
Protections (1)
- $0 Fraud Liability Guarantee
Other (4)
- Free FICO Credit Score
- Freeze it On/Off Switch
- Online Privacy Protection
- Free Social Security Number Alerts
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
15 5% back
Discover
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 5% | 5% |
| Gas | 5% | 5% |
| Drugstores | 5% | 5% |
| Transit | 5% | 5% |
| EV Charging | 5% | 5% |
| Everything else | 1% | 1% |
Benefits · $0/yr face value
Protections (1)
- $0 Fraud Liability Guarantee
Other (4)
- Free FICO Credit Score
- Freeze it Feature
- Online Privacy Protection
- Free Social Security Number Alerts
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
16 5% back Frontier flights only
Barclays
Welcome bonus
Up to 60,000 miles
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Frontier | 5% | 5% |
| Dining | 3% | 3% |
| Everything else | 1% | 1% |
Benefits · $430/yr face value
Credits (3)
- $100 Flight Voucher $100 /yr
- Award Redemption Fee Waiver $30 /yr
- 0% Intro APR on Balance Transfers
Status & Elite Perks (1)
- Elite Gold Status $100 /yr
Other (4)
- Free Checked Bags $200 /yr
- Zone 2 Priority Boarding
- Elite Status Point Earning
- No Foreign Transaction Fees
Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →
17 3x → ≈ 4.5% back Alaska flights only
Bank of America
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Alaska | 3x | 4.5% |
| Hawaiian | 3x | 4.5% |
| Gas | 2x | 3% |
| EV Charging | 2x | 3% |
| Transit | 2x | 3% |
| Streaming | 2x | 3% |
| Internet / Cable / Phone | 2x | 3% |
| Everything else | 1x | 1.5% |
Benefits · $350/yr face value
Credits (2)
- Companion Fare $250 /yr
- Alaska Lounge+ Membership Discount $100 /yr
Status & Elite Perks (4)
- Priority Boarding
- Elite Status Points Earning
- Free First Checked Bag
- 20% In-flight Savings
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
18 3x → ≈ 4.5% back Alaska flights only
Bank of America
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Alaska | 3x | 4.5% |
| Hawaiian | 3x | 4.5% |
| Dining | 3x | 4.5% |
| Foreign Transactions | 3x | 4.5% |
| Everything else | 1x | 1.5% |
Benefits · $2,664/yr face value
Credits (6)
- 100K Global Companion Award $1,600 /yr
- Alaska Lounge Passes (8x) $520 /yr
- 25K Global Companion Award $400 /yr
- 8 Wi-Fi Passes $64 /yr
- $50 Travel Delay Credit $50 /yr
- TSA PreCheck/Global Entry Credit $30 /yr
Status & Elite Perks (6)
- Free First Checked Bag
- Waived Same-Day Change Fees
- 20% In-flight Savings
- Waived Partner Award Fees
- Priority Boarding
- 10K Annual Status Points
Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →
19 3x → ≈ 4.5% back Alaska flights only
Bank of America
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Alaska | 3x | 4.5% |
| Hawaiian | 3x | 4.5% |
| Gas | 2x | 3% |
| EV Charging | 2x | 3% |
| Transit | 2x | 3% |
| Shipping | 2x | 3% |
| Everything else | 1x | 1.5% |
Benefits · $350/yr face value
Credits (2)
- Companion Fare $250 /yr
- Alaska Lounge+ Membership Discount $100 /yr
Status & Elite Perks (4)
- 20% In-flight Savings
- Priority Boarding
- Free First Checked Bag
- Elite Status Points Earning
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
20 3x → ≈ 4.5% back
Chase
Welcome bonus
Earn 75,000 Avios
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 3x | 4.5% |
| Hotels | 2x | 3% |
| Everything else | 1x | 1.5% |
Benefits · $1,080/yr face value
Credits (2)
- Travel Together Ticket $500 /yr
- Reward Flight Statement Credit $300 /yr
Protections (6)
- Auto Rental Collision Damage Waiver $75 /yr
- Purchase Protection $30 /yr
- Lost Luggage Insurance $25 /yr
- Travel Accident Insurance $20 /yr
- Extended Warranty $15 /yr
- Baggage Delay Insurance $15 /yr
Other (1)
- 10% Off British Airways Flights $100 /yr
Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →
21 3x → ≈ 4.2% back
American Express
Welcome bonus
As high as 100,000 Membership Rewards Points
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Dining | 4x | 5.6% |
| Groceries | 4x | 5.6% |
| Flights | 3x | 4.2% |
| Travel | 2x | 2.8% |
| Everything else | 1x | 1.4% |
Benefits · $524/yr face value
Credits (5)
- $10 Monthly Dining Credit $120 /monthly
- $10 Monthly Uber Credit $120 /monthly
- Hotel Collection $100 /yr
- $100 Resy Credit $100 /semi-annual
- $7 Monthly Dunkin Credit $84 /monthly
Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →
22 3x → ≈ 4.2% back Hawaiian flights only
Barclays
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hawaiian | 3x | 4.2% |
| Gas | 2x | 2.8% |
| Dining | 2x | 2.8% |
| Groceries | 2x | 2.8% |
| Everything else | 1x | 1.4% |
Benefits · $420/yr face value
Credits (3)
- One-time 50%-off Companion Discount $200
- Two Free Checked Bags $120 /yr
- $100 Annual Companion Discount $100 /yr
Other (2)
- Share Miles
- Miles Never Expire
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
23 3x → ≈ 4.2% back Hawaiian flights only
Barclays
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hawaiian | 3x | 4.2% |
| Gas | 2x | 2.8% |
| Dining | 2x | 2.8% |
| Office Supply | 2x | 2.8% |
| Everything else | 1x | 1.4% |
Benefits · $1,040/yr face value
Credits (3)
- Anniversary Bonus Miles (40,000) $560 /yr
- Anniversary Bonus Miles (20,000) $280 /yr
- One-time 50%-off Companion Discount $200
Other (2)
- Complimentary Employee Cards
- Share Miles
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
24 3x → ≈ 4.2% back JetBlue flights only
Barclays
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| JetBlue | 3x | 4.2% |
| Dining | 2x | 2.8% |
| Groceries | 2x | 2.8% |
| Everything else | 1x | 1.4% |
Benefits · $50/yr face value
Credits (1)
- 50% Inflight Purchase Savings $50 /yr
Status & Elite Perks (1)
- Mosaic Status Acceleration
Other (3)
- Points Payback
- No Blackout Dates
- Points Never Expire
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
25 2x → ≈ 4% back
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hyatt | 4x | 8% |
| Flights | 2x | 4% |
| Dining | 2x | 4% |
| Everything else | 1x | 2% |
| Transit | 2x | 0% |
| Gym | 2x | 0% |
Benefits · $340/yr face value
Credits (2)
- Tier Qualifying Nights $50 /yr
- Complimentary DashPass $40 /quarterly
Status & Elite Perks (2)
- Annual Free Night $150 /yr
- Discoverist Status $100 /yr
Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →
26 2x → ≈ 4% back
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hyatt | 4x | 8% |
| Dining | 2x | 4% |
| Flights | 2x | 4% |
| Transit | 2x | 4% |
| Gas | 2x | 4% |
| Advertising | 2x | 4% |
| Shipping | 2x | 4% |
| Gym | 2x | 4% |
| Everything else | 1x | 2% |
Benefits · $150/yr face value
Credits (1)
- $100 Hyatt Credit $100 /semi-annual
Status & Elite Perks (1)
- World of Hyatt Discoverist Status $50
Other (2)
- 5 Tier-Qualifying Night Credits per $10k
- No Foreign Transaction Fees
Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →
27 4% back
Wells Fargo
Welcome bonus
60,000 bonus points
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hotels | 5% | 5% |
| Flights | 4% | 4% |
| Travel | 3% | 3% |
| Dining | 3% | 3% |
| Everything else | 1% | 1% |
Benefits · $50/yr face value
Credits (1)
- $50 Annual Airline Credit $50 /yr
Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →
28 3x → ≈ 3.9% back Southwest flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Southwest | 3x | 3.9% |
| Groceries | 2x | 2.6% |
| Dining | 2x | 2.6% |
| Everything else | 1x | 1.3% |
| Transit | 1x | 1.3% |
| Streaming | 1x | 1.3% |
Benefits · $392/yr face value
Credits (7)
- Complimentary DashPass $144 /yr
- 10,000 Companion Pass® Boost $130 /yr
- 6,000 Anniversary Points $78 /yr
- DoorDash Quarterly Discount $40 /quarterly
- Inflight Purchase Discount
- 15% Anniversary Promo Code
- Tier Qualifying Points
Status & Elite Perks (2)
- Preferred Seat Selection & Priority Boarding
- Free First Checked Bag
Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →
29 3x → ≈ 3.9% back Southwest flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Southwest | 3x | 3.9% |
| Gas | 2x | 2.6% |
| Dining | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $208/yr face value
Credits (5)
- 10,000 Companion Pass Qualifying Points Boost $130 /yr
- 6,000 Anniversary Points $78 /yr
- Tier Qualifying Points
- Inflight Purchase Discount
- 15% Anniversary Promo Code
Status & Elite Perks (2)
- Free First Checked Bag
- Preferred Seat Selection & Priority Boarding
Protections (4)
- Purchase Protection
- Extended Warranty Protection
- Lost Luggage Reimbursement
- Baggage Delay Insurance
Redemption progress, reset dates and expiry alerts for all 11 benefits — track them automatically in the MaxWorth app →
30 3x → ≈ 3.9% back United flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| United | 3x | 3.9% |
| Dining | 2x | 2.6% |
| Hotels | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $910/yr face value
Credits (7)
- Global Entry/TSA PreCheck Credit $120
- $10 Monthly Instacart Credit $120 /monthly
- Up to $100 United Hotels Credits $100 /yr
- $100 United Travel Credit $100 /yr
- Up to $100 JSX Credits $100 /yr
- $5 Monthly Rideshare Credit $60 /monthly
- Up to $50 Avis/Budget Credits $50 /yr
Status & Elite Perks (3)
- Free First Checked Bag $160 /yr
- 2 United Club One-Time Passes $100 /yr
- United Priority Boarding
Other (2)
- 25% Back on United Purchases
- 10,000-Mile Award Flight Discount
Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →
31 3x → ≈ 3.9% back American flights only
Citi
Welcome bonus
Earn 60,000 AAdvantage bonus miles after $4,000 in purchases in the first 3 months
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| American | 3x | 3.9% |
| Transit | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $1,390/yr face value
Credits (5)
- Companion Certificate $300 /yr
- $240 Turo Credit $240 /monthly
- $120 Global Entry/TSA PreCheck Credit $120 /yr
- $100 Choice Credits $100 /yr
- $100 Inflight Purchase Credit $100 /yr
Status & Elite Perks (1)
- Admirals Club Globe Passes $200 /yr
Protections (6)
- Trip Cancellation/Interruption Insurance $100 /yr
- Trip Delay Insurance $50 /yr
- Lost or Damaged Luggage Insurance $50 /yr
- Extended Warranty Protection $25 /yr
- Purchase Assurance Plus $25 /yr
- MasterRental Coverage
Other (1)
- First Checked Bag Free $80 /yr
Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →
32 3x → ≈ 3.6% back
American Express
Welcome bonus
100,000 Delta SkyMiles
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Hotels | 3x | 3.6% |
| Flights | 3x | 3.6% |
| Dining | 2x | 2.4% |
| Groceries | 2x | 2.4% |
| Everything else | 1x | 1.2% |
Benefits · $1,260/yr face value
Credits (6)
- Annual Companion Certificate $400 /yr
- $150 Delta Stays Credit $150 /yr
- Free Checked Bag $140 /yr
- $10 Monthly Rideshare Credit $120 /monthly
- $10 Monthly Resy Credit $120 /monthly
- Global Entry/TSA PreCheck Credit $30
Status & Elite Perks (2)
- Priority Boarding $50 /yr
- MQD Headstart
Protections (1)
- Cell Phone Protection $50 /yr
Other (1)
- Award Travel Discount $200 /yr
Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →
33 3x → ≈ 3.6% back
American Express
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 3x | 3.6% |
| Hotels | 3x | 3.6% |
| Transit | 1.5x | 1.8% |
| Shipping | 1.5x | 1.8% |
| Everything else | 1x | 1.2% |
Benefits · $1,310/yr face value
Credits (5)
- Annual Companion Certificate $400 /yr
- $200 Delta Stays Credit $200 /yr
- $10 Monthly Resy Credit $120 /monthly
- $10 Monthly Rideshare Credit $120 /monthly
- Global Entry/TSA PreCheck Credit $30
Status & Elite Perks (3)
- Free Checked Bag $140 /yr
- Priority Boarding $50 /yr
- MQD Headstart
Protections (1)
- Cell Phone Protection $50 /yr
Other (1)
- Award Travel Discount $200 /yr
Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →
34 3x → ≈ 3.6% back Delta flights only
American Express
Welcome bonus
125,000 Delta SkyMiles
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Delta | 3x | 3.6% |
| Transit | 1.5x | 1.8% |
| Shipping | 1.5x | 1.8% |
| Office Supply | 1.5x | 1.8% |
| Everything else | 1x | 1.2% |
Benefits · $3,885/yr face value
Credits (7)
- Annual Companion Certificate $500 /yr
- Delta Stays Hotel Credit $250 /yr
- $20 Monthly Resy Dining Credit $240 /monthly
- $10 Monthly Rideshare Credit $120 /monthly
- Global Entry / TSA PreCheck Credit $120 /yr
- Sky Club Guest Passes $50 /yr
- Delta Sky Club Access $35 /yr
Status & Elite Perks (6)
- MQD Headstart $2,500 /yr
- Free First Checked Bag $70 /yr
- Hertz President's Circle
- Complimentary Upgrade Eligibility
- Priority Boarding
- Unlimited Sky Club (Spend $75k)
Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →
35 3% back Alaska flights only
Bank of America
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Alaska | 3% | 3% |
| Gas | 2% | 2% |
| Streaming | 2% | 2% |
| Transit | 2% | 2% |
| Everything else | 1% | 1% |
Benefits · $300/yr face value
Credits (1)
- Alaska Companion Fare $300 /yr
Status & Elite Perks (2)
- First Checked Bag Free
- Priority Boarding
Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →
36 2x → ≈ 3% back Delta flights only
American Express
Welcome bonus
90,000 Delta SkyMile Points
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Delta | 2x | 3% |
| Dining | 2x | 3% |
| Groceries | 2x | 3% |
| Everything else | 1x | 1.5% |
Benefits · $700/yr face value
Credits (4)
- $200 Delta Flight Credit $200 /yr
- $10 Monthly Rideshare Credit $120 /monthly
- $100 Delta Stays Credit $100 /yr
- 20% Back on In-Flight Purchases
Status & Elite Perks (1)
- First & Second Checked Bag Free $280 /yr
Other (1)
- TakeOff 15: 15% Off Award Travel
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
37 3% back
Citi
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Flights | 3% | 3% |
| Hotels | 3% | 3% |
| Dining | 3% | 3% |
| Groceries | 3% | 3% |
| Gas | 3% | 3% |
| Everything else | 1% | 1% |
| EV Charging | 3x | 0% |
Benefits · $2,600/yr face value
Credits (1)
- Annual Hotel Benefit $100 /yr
Protections (4)
- Trip Cancellation/Interruption Insurance $1,000 /yr
- Lost or Damaged Luggage Insurance $1,000 /yr
- Trip Delay Insurance $500 /yr
- MasterRental Coverage
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
38 2x → ≈ 2.6% back American flights only
Barclays
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| American | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $565/yr face value
Credits (4)
- Anniversary Companion Certificate $300 /yr
- First Checked Bag Free $240 /yr
- Inflight Wi-Fi Credit $25 /yr
- Inflight Food & Beverage Discount
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
39 2x → ≈ 2.6% back Southwest flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Southwest | 2x | 2.6% |
| Gas | 2x | 2.6% |
| Groceries | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $353/yr face value
Credits (6)
- Complimentary DashPass $144 /yr
- Companion Pass Qualifying Points Boost $130 /yr
- DoorDash Quarterly Discount $40 /quarterly
- Anniversary Points $39 /yr
- 10% Anniversary Promo Code
- Inflight Purchase Discount
Status & Elite Perks (2)
- Free First Checked Bag
- Standard Seat Selection & Priority Boarding
Protections (4)
- Extended Warranty Protection
- Lost Luggage Reimbursement
- Baggage Delay Insurance
- Purchase Protection
Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →
40 2.6% back United flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| United | 2% | 2.6% |
| Dining | 2% | 2.6% |
| Gas | 2% | 2.6% |
| Office Supply | 2% | 2.6% |
| Transit | 2% | 2.6% |
| Everything else | 1% | 1.3% |
Benefits · $715/yr face value
Credits (7)
- $125 United TravelBank Cash $125 /yr
- $10 Monthly Instacart Credit $120 /monthly
- $100 United Hotels Credits $100 /yr
- $8 Monthly Ride-Hailing Credit $100 /monthly
- $50 Avis/Budget Credits $50 /yr
- Instacart+ Membership (3 months) $30 /yr
- $25 FareLock Credit $25 /yr
Status & Elite Perks (3)
- 2 United Club One-Time Passes $50 /yr
- Free First Checked Bag $50 /yr
- Priority Boarding
Other (2)
- 5,000-Mile Anniversary Bonus $65 /yr
- 25% Back on United Purchases
Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →
41 2x → ≈ 2.6% back United flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| United | 2x | 2.6% |
| Everything else | 1.5x | 1.95% |
Benefits · $2,041/yr face value
Credits (8)
- $20 Monthly Instacart Credit $240 /monthly
- $200 Renowned Hotels Credits $200 /yr
- $200 JSX Credits $200 /yr
- $12 Monthly Ride-Hailing Credit $150 /monthly
- Global Entry/TSA PreCheck Credit $120 /yr
- $100 Avis/Budget Credits $100 /yr
- DashPass Membership (1 year) $96 /yr
- $50 FareLock Credit $50 /yr
Status & Elite Perks (4)
- United Club Membership $750 /yr
- Free First & Second Checked Bags $70 /yr
- Avis President's Club Membership
- Priority Boarding
Other (2)
- 5,000-Mile Anniversary Bonus $65 /yr
- 25% Back on United Purchases
Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →
42 2x → ≈ 2.6% back United flights only
Chase
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| United | 2x | 2.6% |
| Gas | 2x | 2.6% |
| Transit | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $0/yr face value
Status & Elite Perks (2)
- 25% Back on United Inflight and Club Premium Drink Purchases
- First 2 Checked Bags free
Protections (5)
- Auto Rental Coverage
- Extended Warranty Protection
- Purchase Protection
- Trip Cancellation and Interruption Insurance
- Visa Concierge Service
Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →
43 2x → ≈ 2.6% back American flights only
Citi
Welcome bonus
Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| American | 2x | 2.6% |
| Gas | 2x | 2.6% |
| Car Rental | 2x | 2.6% |
| Internet / Cable / Phone | 2x | 2.6% |
| Everything else | 1x | 1.3% |
Benefits · $405/yr face value
Credits (1)
- Companion Certificate $300 /yr
Other (3)
- First Checked Bag Free $80 /yr
- 25% Inflight Savings $25 /yr
- Preferred Boarding
Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →
44 2x → ≈ 2.4% back Delta flights only
American Express
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Delta | 2x | 2.4% |
| Dining | 2x | 2.4% |
| Everything else | 1x | 1.2% |
45 2x → ≈ 2.4% back Delta flights only
American Express
Welcome bonus
90,000 Delta SkyMile Points
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| Delta | 2x | 2.4% |
| Dining | 2x | 2.4% |
| Shipping | 2x | 2.4% |
| Advertising | 2x | 2.4% |
| Everything else | 1x | 1.2% |
Benefits · $1,070/yr face value
Credits (4)
- Welcome Bonus $480
- $200 Delta Flight Credit $200 /yr
- $150 Delta Stays Hotel Credit $150 /yr
- $10 Monthly Rideshare Credit $120 /monthly
Status & Elite Perks (2)
- First Checked Bag Free $120 /yr
- Priority Boarding
Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →
46 2% back American flights only
Citi
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| American | 2% | 2% |
| Groceries | 2% | 2% |
| Everything else | 1% | 1% |
Benefits · $0/yr face value
Credits (2)
- Inflight Food Beverage Discount
- American Airlines Vacations Discount
Other (1)
- Miles Redemption Discount
Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →
47 2% back American flights only
Citi
All earn rates & benefits
Earn rates
| Category | Rate | True value |
|---|
| American | 2% | 2% |
| Dining | 2% | 2% |
| Gas | 2% | 2% |
| Everything else | 1% | 1% |
Benefits · $245/yr face value
Credits (4)
- American Airlines Flight Discount $125 /yr
- First Checked Bag Free $120 /yr
- Inflight Food Beverage Discount
- American Airlines Vacations Discount
Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →
