Card comparisons
Card vs card
Side-by-side breakdowns of the questions we get asked most: which premium card wins, when to upgrade, which $95 card to keep. Every page does year-1 math (welcome bonus included) at a 1.8¢ rewards valuation.
Within-issuer upgrade decisions
American Express
Amex Gold vs Amex Platinum
$325 AF vs $895 AF
Chase Ultimate
Chase Sapphire Preferred vs Chase Sapphire Reserve
$95 AF vs $795 AF
American Express
Amex Business Platinum vs Amex Platinum
$895 AF vs $895 AF
Delta
Delta SkyMiles Gold (Amex) vs Delta SkyMiles Platinum (Amex)
$150 AF vs $350 AF
Delta
Delta SkyMiles Platinum (Amex) vs Delta Reserve
$350 AF vs $650 AF
Capital One
Capital One Savor vs Capital One SavorOne
$0 AF vs $0 AF
American Express
Amex Blue Cash Everyday vs Amex Blue Cash Preferred
$0 AF vs $95 AF
Premium-tier showdowns
American Express vs Chase Ultimate
Amex Platinum vs Chase Sapphire Reserve
$895 AF vs $795 AF
American Express vs Capital One
Amex Platinum vs Capital One Venture X
$895 AF vs $395 AF
Chase Ultimate vs Capital One
Chase Sapphire Reserve vs Capital One Venture X
$795 AF vs $395 AF
American Express vs Citi ThankYou
Amex Platinum vs Citi Strata Elite
$895 AF vs $595 AF
Citi ThankYou vs Chase Ultimate
Citi Strata Elite vs Chase Sapphire Reserve
$595 AF vs $795 AF
Citi ThankYou vs Capital One
Citi Strata Elite vs Capital One Venture X
$595 AF vs $395 AF
American Express
Amex Platinum vs Amex Platinum for Schwab
$895 AF vs $895 AF
Mid-tier $95 showdowns
American Express vs Chase Ultimate
Amex Gold vs Chase Sapphire Preferred
$325 AF vs $95 AF
American Express vs Capital One
Amex Gold vs Capital One Venture X
$325 AF vs $395 AF
Chase Ultimate vs Capital One
Chase Sapphire Preferred vs Capital One Venture X
$95 AF vs $395 AF
Citi ThankYou vs Chase Ultimate
Citi Strata Premier vs Chase Sapphire Preferred
$95 AF vs $95 AF
American Express vs Citi ThankYou
Amex Gold vs Citi Strata Premier
$325 AF vs $95 AF
Chase Ultimate vs Wells Fargo
Chase Sapphire Preferred vs Wells Fargo Autograph Journey
$95 AF vs $95 AF
Cashback workhorses
American Express vs Citi ThankYou
Amex Blue Cash Preferred vs Citi Double Cash
$95 AF vs $0 AF
Citi ThankYou
Citi Custom Cash vs Citi Double Cash
$0 AF vs $0 AF
Capital One vs Citi ThankYou
Capital One SavorOne vs Citi Custom Cash
$0 AF vs $0 AF
Chase Ultimate vs Citi ThankYou
Chase Freedom Unlimited vs Citi Double Cash
$0 AF vs $0 AF
Chase Ultimate
Chase Freedom Flex vs Chase Freedom Unlimited
$0 AF vs $0 AF
Citi ThankYou vs Wells Fargo
Citi Double Cash vs Wells Fargo Active Cash
$0 AF vs $0 AF
Apple vs Citi ThankYou
Apple Card vs Citi Double Cash
$0 AF vs $0 AF
No-AF starter ↔ premium pairings
Co-brand vs transferable
Hotel co-brand showdowns
Hilton Honors vs Marriott Bonvoy
Hilton Aspire vs Marriott Bonvoy Brilliant
$550 AF vs $650 AF
World of Hyatt vs Marriott Bonvoy
World of Hyatt Credit Card vs Marriott Bonvoy Boundless
$95 AF vs $95 AF
World of Hyatt vs IHG One Rewards
World of Hyatt Credit Card vs Chase IHG One Rewards Premier
$95 AF vs $99 AF
Hilton Honors
Hilton Honors American Express vs Hilton Honors Surpass
$0 AF vs $150 AF
Hilton Honors
Hilton Honors Surpass vs Hilton Aspire
$150 AF vs $550 AF
World of Hyatt
World of Hyatt Credit Card vs World of Hyatt Business
$95 AF vs $199 AF
Business showdowns
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