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Start where you are.

Four paths from zero to premium. Pick yours.

12–24 mo.

Typical path to a premium card

81

Cards ranked

$900–$1,500

Typical welcome bonus

Welcome bonuses are typical current offers. Current offer shown; issuer determines eligibility.

Pick your path

Dollar figures are estimates of ongoing yearly rewards on a typical spending profile — your numbers will differ.

Estimated values show ongoing yearly rewards (year 2+) on a typical spending profile and assume on-time payments. They are not guarantees — actual results vary with how you spend.