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Best for: Overall value

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,504.

Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 60,000 points
1st Year Value
$1,504

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,504

Cons

  • High annual fee ($250)
Best for: Travel rewards

It comes with a welcome bonus of 110,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,140.

Annual Fee
$120
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
Up to 110,000 points

Ends Sep 22, 2026

1st Year Value
$1,140

Pros

  • Welcome bonus of 110,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,140

Cons

  • Fewer premium perks
Best for: No annual fee

The American Express® Green Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $680.

Annual Fee
$0
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
10,000 points
1st Year Value
$680

Pros

  • No annual fee
  • Welcome bonus of 10,000 points
  • Estimated 1st-year value of $680

Cons

  • Fewer premium perks
Best for: No annual fee

The SimplyCash® Card from American Express has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 2x on groceries and 1.25x at restaurants. Estimated first-year value is $556.

Annual Fee
$0
Rewards rate
1.25x

Cash Back

Welcome Bonus
Up to $100
1st Year Value
$556

Pros

  • No annual fee
  • Welcome bonus of $100
  • 2x on groceries
  • Estimated 1st-year value of $556

Cons

  • Fewer premium perks
Best for: Cash back

It comes with a welcome bonus of $250. You earn 4x on groceries and 2x at restaurants. Estimated first-year value is $946.

Annual Fee
$119.88

$9.99/mo

Rewards rate
2x

Cash Back

Welcome Bonus
Up to $250
1st Year Value
$946

Pros

  • Welcome bonus of $250
  • 4x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $946

Cons

  • Fewer premium perks
Best for: Aeroplan travel

It comes with a welcome bonus of 45,000 points. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $1,216.

Annual Fee
$120
Rewards rate
1x

Aeroplan

Welcome Bonus
Up to 45,000 points
1st Year Value
$1,216

Pros

  • Welcome bonus of 45,000 points
  • Estimated 1st-year value of $1,216

Cons

  • Fewer premium perks
Best for: Aeroplan travel

It comes with a welcome bonus of 85,000 points. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $1,405.

Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
Up to 85,000 points
1st Year Value
$1,405

Pros

  • Welcome bonus of 85,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $1,405

Cons

  • High annual fee ($599)