A BETTER CHOICE AT CHECKOUT

Hilton (Hotels (booked direct))

Your cards, ranked by estimated return at travel point values. Review spending caps and offer requirements below.

Your best card is up first

1. 1
   
   Costco Anywhere Visa Citi

   3% on Travel (general)

   Reward details & exclusions

   Eligible travel: airfare, hotels, car rentals, travel agencies, cruises

   3% 3%
2. 2
   
   Robinhood Gold Robinhood (Coastal Community Bank)

   3% on Everything else — requires Robinhood Gold subscription ($5/month or $50/year)
   3% 3%
3. 3
   
   United Explorer Chase

   2x on Hotels (booked direct)

   Reward details & exclusions

   2x miles on hotel stays when booked directly with the hotel

   2.7% 2x · 1.35¢/pt
4. 4
   
   Marriott Bonvoy Boundless Chase

   2x on Everything else

   Reward details & exclusions

   Chase wording: '2X points for every $1 spent on all other purchases'.

   1.7% 2x · 0.85¢/pt
5. 5
   
   AAdvantage Platinum Select Citi

   1x on Everything else
   1.65% 1x · 1.65¢/pt
6. 6
   
   Freedom Unlimited Chase

   1.5x on Everything else

   Reward details & exclusions

   Unlimited 1.5% cash back on all other purchases.

   1.5% 1.5x · 1¢/pt
7. 7
   
   Prime Visa Chase

   1x on Everything else

   Reward details & exclusions

   Issuer wording: 'all other purchases'. Purchases using Amazon's promotional/Equal Pay financing earn no rewards.

   1% 1x · 1¢/pt
8. 8
   Goldman Sachs Apple MC
   Apple Goldman Sachs

   1% on Everything else

   Reward details & exclusions

   Physical titanium card

   1% 1%

Also consider

• Trip cancellation insurance — Freedom Unlimited: Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares
• Trip cancellation insurance — United Explorer: Up to $1,500 per traveler / $6,000 per trip
• Trip cancellation insurance — Robinhood Gold: Up to $10,000

Value = rate × point value (travel redemptions). Caps and activation requirements are shown on each line. Switch valuation.