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"200,000 points after $6,000 in the first 6 months. The $650 sticker price isn't the real number — $300 back in restaurant credits ($25/mo, easy to use) brings it to $350 net in year one, and you're getting 200k points on top of that. Year two and beyond is where it gets interesting: the annual 85,000-point free night certificate alone is worth $400-600 at a decent Marriott property, plus the $300 restaurant credit runs again, so the card is effectively paying you to hold it. Platinum Elite status is included, which gets you suite upgrades, lounge access, and late checkout at Marriott properties worldwide. Worth it if you stay at Marriotts even a few times a year — the FNC alone justifies the fee."

"90,000 miles after $3,000 in the first 6 months. At face value that's a $350/yr card, but the credits flip the math — $150 toward Delta Stays, $120 in Resy credits ($10/mo), and $120 in Uber Cash ($10/mo) gets you $390 back in value annually if you use them, which puts you ahead of the fee before you've flown once. First year is even better since the Delta Stays credit stacks on top of the welcome bonus spend. Companion certificate each year is the other piece — one round-trip domestic coach ticket for just taxes and fees, which alone can be worth several hundred dollars depending on the route. First checked bag free for you and up to 8 companions on the same reservation. Worth it if you fly Delta even occasionally."

"Cash back on gas, groceries, and restaurants just for claiming an offer in the app before you pay. New users get 10% back on their next restaurant or grocery offer and 15¢/gal on their next fuel fill-up. Stacks on top of whatever your credit card already earns. Takes about 30 seconds to set up — download, claim an offer near you, pay like normal. The gas cash back is where it actually adds up if you're filling up regularly."