Quick Ratings Guide

💎: Elite card

🥇: Great card

🟢: Good card

🟡: Decent card

⚠️: Card to avoid

💸: Earner

🆓: No fee/typically net-zero fee

🦥: Lazy (little to no maintenance or thought required to get high value)

🤓: Points nerd (opportunities to maximize earnings)

⬆️: Upgraded travel (card includes premium travel experiences like elite status or lounges)

🛡️: Travel protections

🔒: Shopping protections

✈️: Great redemptions