Green Light
Proceed through a Green Light without hesitation, would get any card identified with a green light without giving it a second thought. All these are elite Credit Cards

Yellow Light
Proceed through a Yellow Light with hesitation but still run a yellow 9/10 times, would get any card identified with a yellow light but think twice or take a step back before applying

Red Light
Proceed through a Red Light with a good reason (wife’s about to give birth) would only get a card identified with a red light for a GOOD reason (going on a cruise or need to build your credit)

BANK OF AMERICA PREMIUM REWARDS

Pros:

-Earn 50,000 points after spending $3,000 in purchase on the card within 90 days of opening
-Up to a $100 statement credit for Global Entry or TSA Precheck every 4 years
-Annual $100 Airline Incidental statement credit for qualifying purchases including seat upgrades, baggage fees, in-flight services, and airline lounge fees
-No foreign transaction fees
-Trip Delay Reimbursement, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection, Auto Rental Collision Damage Waiver, Roadside Dispatch

Cons:

-Earn 2 points for every $1 spent on travel and dining purchases
-1.5 points per $1 spent on everything else
-$95 annual fee is not waived for the first year
-No cardmember anniversary bonus when you pay the annual fee
-If you cancel the card your travel rewards disappear

ALASKA AIR VISA

Pros:

-Earn 40,000 Alaska miles after spending $2,000 in purchases on your card within 90 days of opening
-Earn Alaska’s bonus Companion Fare from $121 (after taxes and fees) after spending $2,000 in purchases on the card within the first 90 days plus get one each cardmember anniversary
-Earn 3 miles for every $1 spent on Alaska purchases
-Free checked bag on Alaska flights for you and up to six other guests on the same reservation
-50% off day passes at the Alaska Lounge and 20% back on inflight Alaska purchases when you pay with your card
-No foreign transaction fees
-Keep your Alaska miles if you cancel your account

Cons:

-Earn 1 mile for every $1 spent on everything else
-$75 annual fee is not waived for the first year
-No travel insurance, purchase protection or any of those other great benefits
-Miles redemption exclusive to Alaska products

BANK OF AMERICA CASH REWARDS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

BANK OF AMERICA TRAVEL REWARDS

Pros:

-Earn 25,000 bonus points after spending $1,000 in purchases on your card within 90 days of opening, redeemable for a $250 statement credit towards a travel related purchase
-No annual fee
-No Foreign Transaction Fees
-0% intro APR on purchases made on the card for the first 12 billing cycles

Cons:

-Earn 1.5 points for every $1 spent on your card
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

SUSAN G. KOMEN CASH REWARDS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

WORLD WILDLIFE FUND CASH REWARDS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

U.S. PRIDE CASH REWARDS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

MLB WORLD MASTERCARD CASH REWARDS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card
-Trip Cancellation/Interruption Insurance and Purchase Protection

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

BANK OF AMERICA CASH REWARDS FOR STUDENTS

Pros:

-Earn $200 in cash back after spending $1,000 in purchases on your card within 90 days of opening
-Earn 3% cash back in one category of your choice. Choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings up to $2,500 in purchases per quarter
-2% cash back at grocery stores and wholesale clubs
-No annual fee
-0% intro APR for 15 billing cycles on purchases made on the card and any balance transfers within 60 days of opening the card
-Trip Cancellation/Interruption Insurance and Purchase Protection

Cons:

-Earn 1% cash back for every $1 spent on everything else
-3% Foreign Transaction fees
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

BANK OF AMERICA TRAVEL REWARDS FOR STUDENTS

Pros:

-Earn 25,000 bonus points after spending $1,000 in purchases on your card within 90 days of opening, redeemable for a $250 statement credit towards a travel related purchase
-No annual fee
-No Foreign Transaction Fees
-0% intro APR on purchases made on the card for the first 12 billing cycles

Cons:

-Earn 1.5 points for every $1 spent on your card
-No travel insurance, purchase protection or any of those other great benefits
-If you cancel the card you loose your cash back

AMTRAK GUEST REWARDS

Pros:

-Earn 20,000 bonus points after spending $1,000 in purchases on your card within 90 days of opening
-3 points for every $1 spent on Amtrak travel
-Get 5% back each time you redeem Amtrak reward travel
-Complimentary Station Lounge Pass each year
-Annual Companion Coupon at account opening and annual renewal (worth up to $300 in Amtrak travel)
-Annual Upgrade Coupon at account opening and annual renewal (worth up to $150 in Amtrak travel)
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-$79 annual fee that isn’t waived for the first year
-2 points for every $1 spent on travel purchases (airlines, car rental, hotels, cruises, and rail other than Amtrak)
-1 point for every $1 on everything else
-No travel insurance, purchase protection or any of those other great benefits
-Points exclusive to Amtrak

AIR FRANCE KLM WORLD ELITE MASTERCARD

Pros:

-Earn a $100 statement credit and 25,000 bonus points after spending $1,000 in purchases on your card within 90 days of opening
-3 miles per $1 spent on purchases with Air France, KLM, and SkyTeam airline partners
-5,000 miles on your account anniversary as long as you spend $50 on purchases within the year
-20 XP card anniversary (Extra 40 XP if you make $15,000 or more in purchases on your card)
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-$89 annual fee that isn’t waived for the first year
-1.5 points for every $1 spent on everything else
-No travel insurance, purchase protection or any of those other great benefits
-Points exclusive to Air France, KLM and SkyTeam airline partners

SONESTA WORLD MASTERCARD

Pros:

-Earn 60,000 bonus points after spending $1,000 in purchases on your card within 90 days of opening
-Earn 5,000 points after adding an authorized user within 90 days
-Earn 30,000 bonus points on your cardmember anniversary if you spend at least $7,500 each year
-Earn 3 points for every $1 spent on Sonesta purchases
-$75 annual fee is waived for the first year
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-$75 annual fee after the first year
-2 points per $1 spent on airfare, rental car and dining purchases
-1 point for every $1 spent on everything else
-No travel insurance, purchase protection or any of those other great benefits
-Points exclusive to Sonesta

VIRGIN ATLANTIC MASTERCARD

Pros:

-Earn 30,000 bonus miles after spending $1,000 in purchases on your card within 90 days of opening
-Earn a bonus 7,500 miles on your anniversary if you spend $15,000 in purchases on your card annually, and another extra 7,500 miles if your spend $25,000 in purchases
-Earn 5,000 bonus miles when you add additional user to your account
-Earn 3 miles for every $1 spent on Virgin Atlantic purchases
-Receive a Companion reward flight when you redeem Flying Club miles for a Virgin Atlantic reward ticket (must spend $25,000 in purchases annually to qualify)
-Earn 25 tier points per $2,500 spent in purchases
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-$90 annual fee not waived the first year
-1.5 miles for every $1 spent on everything else
-No travel insurance, purchase protection or any of those other great benefits
-Points exclusive to Virgin and Virgin partners

ASIANA VISA

Pros:

-Earn 30,000 bonus miles after spending $3,000 in purchases on your card within 90 days of opening
-Earn a bonus 10,000 miles certificate annually on your cardmember anniversary
-$100 annual rebate on Asiana Airline tickets after $100 minimum purchase
-2 complimentary Asiana Airline lounge invitations annually on your cardmember anniversary
-Earn 3 miles for every $1 spent on Asiana purchases
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-$99 annual fee not waived the first year
-2 miles for every $1 spent at gas stations and grocery stores
-1 mile for every $1 spent on everything else
-No travel insurance, purchase protection or any of those other great benefits
-Points exclusive to Asiana and Asiana partners

ROYAL CARIBBEAN VISA

Pros:

-Earn 10,000 MyCruise points after making a transaction with your card within 90 days of opening
-No annual fee
-No Foreign Transaction Fees
-$50 Discount on Royal Caribbean’s Air2Sea program after making $3,500 in purchases on your card within 90 days of opening

Cons:

-Earn 2 MyCruise points for every $1 spent with Royal Caribbean, Celebrity Cruises, and Azamara
-Earn 1 MyCruise point for every $1 spent on everything else
-Points exclusive to onboard credits for Royal Caribbean, Celebrity Cruises, and Azamara (10,000 points = $100 credit)
-No travel insurance, purchase protection or any of those other great benefits

CELEBRITY CRUISE VISA

Pros:

-Earn 10,000 MyCruise points after making a transaction with your card within 90 days of opening
-No annual fee
-No Foreign Transaction Fees

Cons:

-Earn 2 MyCruise points for every $1 spent with Royal Caribbean, Celebrity Cruises, and Azamara
-Earn 1 MyCruise point for every $1 spent on everything else
-Points exclusive to onboard credits for Royal Caribbean, Celebrity Cruises, and Azamara (10,000 points = $100 credit)
-No travel insurance, purchase protection or any of those other great benefits

BANKAMERICARD SECURED

Pros:

-No annual fee
-Free monthly FICO Score updates

Cons:

-No intro bonus or points for spending on the card
-3% Foreign Transaction Fee
-Need to put down at least a $300 deposit to secure this card
-No travel insurance, purchase protection or any of those other great benefits

SPIRIT AIRLINES WORLD MASTERCARD

Pros:

-Earn 15,000 bonus miles after your first purchase with the card and then another 15,000 after spending $500 in purchases within 90 days of opening
-Earn 2 miles for every $1 spent
-$59 annual fee is waived for the first year of membership
-5,000 bonus miles if you spend $10,000 on the card annually
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-No anniversary bonus for the annual fee of $59
-Spirit is a bottom tier airline
-No travel insurance, purchase protection or any of those other great benefits

ALLEGIANT WORLD MASTERCARD

Pros:

-Earn 15,000 bonus miles after spending $1,000 in purchases within 90 days of opening
-Earn 3 miles for every $1 spent on Allegiant purchases
-0% intro APR on purchases made on the card for the first 12 billing cycles
-Boy one, get one free when you use your card to purchase a vacation package from Allegiant with four or more hotel nights or at least 7 rental car days on the same itinerary
-No Foreign Transaction Fees
-Keep your bonus points if you close your account

Cons:

-Annual fee of $59 is not waived the first year of membership
-No annual anniversary bonus
-Earn 2 miles for every $1 spent on dining
-Earn 1 mile for every $1 spent on everything else
-Allegiant is a bottom tier airline
-No travel insurance, purchase protection or any of those other great benefits

NORWEGIAN CRUISE LINE MASTERCARD

Pros:

-Earn 20,000 bonus points after spending $1,000 in purchases with your card within 90 days of opening
-Earn 3 points for every $1 spent on Norwegian cruises or onboard purchases
-No annual fee
-No Foreign Transaction Fees

Cons:

-Earn 1 point for every $1 spent on everything else
-Points exclusive to onboard credits or cruises with Norwegian (10,000 points = $100 credit)
-No travel insurance, purchase protection or any of those other great benefits