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Cards

Find the card that fits.

Set your monthly spend, fee budget and goal. Swype ranks every card by what it's worth to you.

Prioritize transfer paths, travel earn, and flexible redemptions.•Annual fee cap: $900•Results use current catalog language, fee data, and Swype's travel-path inference.
Starting points

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Each preset sets the filters for a common goal. You can adjust them after.

Ranked results

33 cards match your current setup

Ranked on your monthly spend and filters, then weighed against each card's fee, perks and transfer options.

The Platinum Card from American Express
98
Amex MRIssuer travel portal
Top matchPersonal

The Platinum Card from American Express

5X on flights (up to $500K/yr) and Amex Travel prepaid hotels; premium lounge access

Why it fits
Amex MR + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Global Lounge Collection: 1,550+ lounges incl. Centurion, Priority Pass,…
Watchouts
Annual fee is premium-tier at $895.
Personal card — fine for business spend, but keep business expenses easy to separate.
Global Lounge Collection: 1,550+ lounges incl. Centurion, Priority Pass, Delta Sky Club visitsFine Hotels + Resorts benefits
Est. yearly reward value
$10,944

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$895
Reward typeMembership Rewards
Transfer pathsAer Lingus AerClub, Aeromexico Rewards
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Chase Sapphire Reserve for Business
98
Chase URIssuer travel portal
Top matchBusiness

Chase Sapphire Reserve for Business

8X Chase Travel, 4X direct flights & hotels, 3X social/search ads; Hyatt at 1:1

Why it fits
Chase UR + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Priority Pass and Sapphire Lounge access, Points Boost on select Chase Tr…
Watchouts
Annual fee is premium-tier at $795.
Priority Pass and Sapphire Lounge accessPoints Boost on select Chase Travel bookings (up to 2¢)
Est. yearly reward value
$8,928

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$795
Reward typeUltimate Rewards
Transfer pathsAer Lingus AerClub, Air Canada Aeroplan
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Chase Sapphire Reserve
98
Chase URIssuer travel portal
Top matchPersonal

Chase Sapphire Reserve

8X Chase Travel, 4X direct flights & hotels, 3X dining; all partners 1:1 incl. Hyatt

Why it fits
Chase UR + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Priority Pass Select and Sapphire Lounges, Points Boost on select Chase T…
Watchouts
Annual fee is premium-tier at $795.
Personal card — fine for business spend, but keep business expenses easy to separate.
Priority Pass Select and Sapphire LoungesPoints Boost on select Chase Travel bookings (up to 2¢)
Est. yearly reward value
$8,928

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$795
Reward typeUltimate Rewards
Transfer pathsAer Lingus AerClub, Air Canada Aeroplan
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American Express Gold Card
95
Amex MRIssuer travel portal
Top matchPersonal

American Express Gold Card

4X restaurants (up to $50K) and U.S. supermarkets (up to $25K), 3X flights

Why it fits
Amex MR + Issuer travel portal gives you a real travel redemption path.
Perk stack: Hertz Five Star status (enrollment), The Hotel Collection $100 property c…
Catalog estimate: about $6,912 in reward value per year at this spend.
Watchouts
Personal card — fine for business spend, but keep business expenses easy to separate.
Hertz Five Star status (enrollment)The Hotel Collection $100 property credit on 2+ night stays
Est. yearly reward value
$6,912

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$325
Reward typeMembership Rewards
Transfer pathsAer Lingus AerClub, Aeromexico Rewards
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Bilt Obsidian Card
92
BiltIssuer travel portal
Top matchPersonal

Bilt Obsidian Card

3X dining or grocery, 2X travel, points on rent with no fee; $95

Why it fits
Bilt + Issuer travel portal gives you a real travel redemption path.
Perk stack: 3X on Lyft after linking accounts, Trip delay insurance
Catalog estimate: about $4,896 in reward value per year at this spend.
Watchouts
Personal card — fine for business spend, but keep business expenses easy to separate.
3X on Lyft after linking accountsTrip delay insurance
Est. yearly reward value
$4,896

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$95
Reward typeBilt Points
Transfer pathsAer Lingus AerClub, Air Canada Aeroplan
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Citi Strata Premier Card
91
Citi ThankYouIssuer travel portal
Top matchPersonal

Citi Strata Premier Card

3X travel, dining, supermarkets and gas for $95; unlocks full Citi transfer ratios

Why it fits
Citi ThankYou + Issuer travel portal gives you a real travel redemption path.
Perk stack: Combine Double Cash / Strata points here to transfer at full ratios
Catalog estimate: about $5,400 in reward value per year at this spend.
Watchouts
Personal card — fine for business spend, but keep business expenses easy to separate.
Combine Double Cash / Strata points here to transfer at full ratios
Est. yearly reward value
$5,400

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$95
Reward typeThankyou Points
Transfer pathsAmerican Airlines AAdvantage, Avianca LifeMiles
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Wells Fargo Autograph Journey Card
90
Wells Fargo
Top matchPersonal

Wells Fargo Autograph Journey Card

5X hotels, 4X airlines, 3X restaurants & other travel; transfers to Avios, Flying Blue and more

Why it fits
Wells Fargo gives you a real travel redemption path.
Perk stack: Trip cancellation & interruption protection up to $15,000, Lost baggage r…
Catalog estimate: about $6,696 in reward value per year at this spend.
Watchouts
Personal card — fine for business spend, but keep business expenses easy to separate.
Trip cancellation & interruption protection up to $15,000Lost baggage reimbursement
Est. yearly reward value
$6,696

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$95
Reward typeWells Fargo Rewards
Transfer pathsAer Lingus AerClub, Avianca LifeMiles
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Bilt Palladium Card
86
BiltIssuer travel portal
Strong fitPersonal

Bilt Palladium Card

2X on everything plus points on rent & mortgage with no fee; $400 hotel credit

Why it fits
Bilt + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Priority Pass membership, 4X on Lyft after linking accounts, $200 in Bilt…
Watchouts
Annual fee is premium-tier at $495.
Personal card — fine for business spend, but keep business expenses easy to separate.
Priority Pass membership4X on Lyft after linking accounts$200 in Bilt Cash every year
Est. yearly reward value
$5,760

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$495
Reward typeBilt Points
Transfer pathsAer Lingus AerClub, Air Canada Aeroplan
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Capital One Venture Business
84
Capital OneIssuer travel portal
Strong fitBusiness

Capital One Venture Business

Unlimited 2X miles for a $95 fee, plus $100 in annual credits

Why it fits
Capital One + Issuer travel portal gives you a real travel redemption path.
Perk stack: Free employee cards, Transfers to 20+ airline and hotel partners
Catalog estimate: about $5,040 in reward value per year at this spend.
Watchouts
No major caution stood out from the current catalog data.
Free employee cardsTransfers to 20+ airline and hotel partners
Est. yearly reward value
$5,040

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$95
Reward typeCapital One Miles
Transfer pathsAeromexico Rewards, Air Canada Aeroplan
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Capital One Venture Rewards
84
Capital OneIssuer travel portal
Strong fitPersonal

Capital One Venture Rewards

Unlimited 2X miles for $95; transfers to 20+ partners

Why it fits
Capital One + Issuer travel portal gives you a real travel redemption path.
Perk stack: Hertz Five Star status, $50 experience credit on Lifestyle Collection sta…
Catalog estimate: about $5,040 in reward value per year at this spend.
Watchouts
Personal card — fine for business spend, but keep business expenses easy to separate.
Hertz Five Star status$50 experience credit on Lifestyle Collection stays
Est. yearly reward value
$5,040

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$95
Reward typeCapital One Miles
Transfer pathsAeromexico Rewards, Air Canada Aeroplan
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Capital One Venture X Business
84
Capital OneIssuer travel portal
Strong fitBusiness

Capital One Venture X Business

Unlimited 2X miles on every business purchase, no preset spending limit

Why it fits
Capital One + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Capital One Lounges and 1,300+ Priority Pass lounges, 10,000 bonus miles…
Watchouts
Annual fee is premium-tier at $395.
Capital One Lounges and 1,300+ Priority Pass lounges10,000 bonus miles every account anniversaryFree employee and virtual cards
Est. yearly reward value
$5,040

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$395
Reward typeCapital One Miles
Transfer pathsAeromexico Rewards, Air Canada Aeroplan
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Capital One Venture X Rewards
84
Capital OneIssuer travel portal
Strong fitPersonal

Capital One Venture X Rewards

2X miles everywhere, $300 travel credit and 10K anniversary miles offset the $395 fee

Why it fits
Capital One + Issuer travel portal gives you a real travel redemption path.
Lounge access is clearly called out in the catalog.
Perk stack: Capital One Lounges and Priority Pass (primary cardholder), Cell phone pr…
Watchouts
Annual fee is premium-tier at $395.
Personal card — fine for business spend, but keep business expenses easy to separate.
Capital One Lounges and Priority Pass (primary cardholder)Cell phone protection up to $800
Est. yearly reward value
$5,040

Blended from catalog earn-rate signals and the monthly spend you selected.

Annual fee$395
Reward typeCapital One Miles
Transfer pathsAeromexico Rewards, Air Canada Aeroplan
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Data note

The accelerator uses the same card catalog powering Swype's Cards section. Transfer paths and travel fit use the current inferred flight access model, while bonus and perk notes come from the structured card fields already available on the site.