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Updated August 20, 2025
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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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Best For
Rewards Rate - Miles
- 7x total miles on United flights – 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Explorer Card.
- 5x total miles on hotel stays purchased through United® Hotels – 2x miles from United as a MileagePlus® member, 2x miles with your United Explorer card, plus an additional 1x mile from United when you prepay through United Hotels.
- 2x miles on all other eligible United purchases
- 2x miles on hotel stays when booked with the hotel.
- 2x miles on dining including eligible delivery services.
- 1x mile on all other purchases.
- Intro offer
- Earn 60,000 bonus miles
- Annual fee
- $0 intro annual fee for the first year, then $150
- Regular APR
- 20.49% – 28.99% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry
Best For
Rewards Rate - Miles
- 2x Delta purchases
- 2x Dining & U.S. supermarkets
- 1x Other purchases
- Intro offer
- Earn 70,000 bonus miles after you spend $2,000 in first 6 months
- Annual fee
- $0 intro first year, then $150
- Regular APR
- 20.99 – 29.99 Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Rental Car Insurance, Travel Insurance