Flip 🌊 Credit Cards
Stop guessing which card pays you best. Flip runs every card against a year of your real spending and shows exactly how much more cash back, points, and perks you'd walk away with.
Demo
Widely recommended picks across travel, cashback, and everyday categories. Apply directly on the issuer's site.
Chase
Welcome offer
75,000 bonus points after $5,000 spend in the first 3 months
~$750 estimated value
Rewards
5x Chase Travel, 3x dining, gas, EV charging, select streaming and online groceries, 2x other travel, 1x other purchases
Annual fee
$95
Chase
Welcome offer
100,000 bonus points after $6,000 spend in the first 3 months; worth up to $2,000 on select Chase Travel flights and hotels
up to ~$2,000 estimated value
Rewards
8x Chase Travel, 4x flights and hotels booked direct, 3x dining, 1x other purchases
Annual fee
$795
American Express
Welcome offer
Apply and find out: variable welcome offer as high as 175,000 Membership Rewards points after $12,000 spend in the first 6 months
Rewards
5x flights booked direct or through Amex Travel (up to $500,000 per year), 5x prepaid hotels through Amex Travel, 1x other purchases
Annual fee
$895
American Express
Welcome offer
Apply and find out: variable welcome offer as high as 100,000 Membership Rewards points after $6,000 spend in the first 6 months
Rewards
4x restaurants worldwide and U.S. supermarkets (up to annual caps), 5x prepaid hotels through Amex Travel, 3x flights, 1x other purchases
Annual fee
$325
Capital One
Welcome offer
75,000 bonus miles after $4,000 spend in the first 3 months
~$750 estimated value
Rewards
10x hotels and rental cars, 5x flights and vacation rentals through Capital One Travel, 2x other purchases
Annual fee
$395
Capital One
Welcome offer
75,000 bonus miles after $4,000 spend in the first 3 months
~$750 estimated value
Rewards
5x hotels, vacation rentals and rental cars through Capital One Travel, 2x other purchases
Annual fee
$95
Chase
Welcome offer
$200 bonus after $500 spend in the first 3 months
~$200 estimated value
Rewards
5% Chase Travel, 3% dining and drugstores, 1.5% other purchases
Annual fee
$0
Chase
Welcome offer
$200 bonus after $500 spend in the first 3 months
~$200 estimated value
Rewards
5% rotating quarterly categories (up to $1,500 when activated), 5% Chase Travel, 3% dining and drugstores, 1% other purchases
Annual fee
$0
Citi
Welcome offer
$200 cash back after $1,500 spend in the first 6 months
~$200 estimated value
Rewards
2% on other purchases (1% when buying and 1% when paying), plus 5% on hotels, rental cars and attractions through Citi Travel
Annual fee
$0
Wells Fargo
Welcome offer
$200 cash rewards bonus after $500 spend in the first 3 months
~$200 estimated value
Rewards
Unlimited 2% cash rewards on purchases
Annual fee
$0
Discover
Welcome offer
Cashback Match: Discover automatically matches all cash back earned in the first 365 days
Rewards
5% rotating quarterly categories up to the quarterly maximum when activated, 1% other purchases
Annual fee
$0
American Express
Welcome offer
Apply and find out: variable welcome offer as high as a $300 statement credit after $3,000 spend in the first 6 months
Rewards
6% U.S. supermarkets (up to $6,000 per year) and select U.S. streaming, 3% transit and U.S. gas stations, 1% other purchases
Annual fee
$95
Capital One
Welcome offer
Limited-time $250 cash bonus after $500 spend in the first 3 months
~$250 estimated value
Rewards
5% hotels, vacation rentals and rental cars through Capital One Travel; 3% dining, entertainment, select streaming and grocery stores; 1% other purchases
Annual fee
$0
Citi
Welcome offer
20,000 bonus ThankYou Points after $1,000 spend in the first 3 months
~$200 estimated value
Rewards
5x hotels, rental cars and attractions through Citi Travel; 3x supermarkets, select transit, gas and EV charging, plus one self-select category; 2x restaurants; 1x other purchases
Annual fee
$0
Bilt
Welcome offer
No public welcome bonus; earns up to 1.25x points on eligible housing payments with no transaction fee
Rewards
Up to 1.25x eligible housing payments, 3x Bilt Travel hotels, 2x Bilt Travel flights, 3x Lyft, up to 4x Bilt Dining partners, 1x other purchases
Annual fee
$0
Offers last verified August 19, 2026. Terms, rewards, and bonuses change frequently — confirm on the issuer's site before applying.
Disclosure
Flip does not currently earn a commission on these links. Information is sourced from publicly available card offer pages and is provided for comparison only. Always verify rates, terms, and fees directly with the issuer.