Editor's picks

The 5 best credit cards

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American Express Cobalt Card
Annual fee
$191.88
Our valuation
$255

Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Min. annual income
Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Convenience
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Read the full review
United MileagePlus Neo World Elite Mastercard
Annual fee
$89
Our valuation
$400

Milesopedia first-year estimateFirst-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 25,000 miles
Apply Now

on Neo Financial's website

Features
Issuer
Neo
Network
Fees and terms
Annual Fee
$89/yr
Min. annual income
$80,000+
Read the full review
Rewards
Rate
United flights
1.25x
Groceries
1x
Restaurants
1x
Read the full review
RBC Avion Visa Infinite Card
Annual fee
$120
Our valuation
$1,050

Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 70,000 points

Ends Nov 25, 2026

Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$120/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
Travel
1.25x
Read the full review
National Bank World Elite Mastercard
Annual fee
$0 $150

No annual fee the first year

Our valuation
$300

Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Apply Now

on National Bank's website

Features
Network
Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Min. annual income
$80,000+
Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Travel
2x
Bills & recurring payments
2x
Gas & EV
2x
Read the full review