The Top 3 Credit Cards in My Wallet [While Living in New York City]

It’s almost been 3 years since I made my big move to Manhattan. While that may not grant me official New Yorker status just yet, I’ve come to the point where I consider this buzzing metropolis my home.

That said, I carry nearly a dozen credit cards in my wallet that help maximize my lifestyle, whether I’m traveling somewhere new or dining at one of the many fantastic restaurants in my neighborhood.

But let’s say I wanted to make my life simple with just 3 cards and ditch the others for good. In that case, I’d pick the Bilt Mastercard (rates & fees), the American Express^® Gold Card, and the Platinum Card^® from American Express — here’s why.

My Current Travel and Lifestyle Habits

Before we dive in, I’ll give some context on my current travel and lifestyle habits.

I’ve lived in various apartments in several neighborhoods in Manhattan since I first moved here in 2020, and rent is easily my largest recurring experience. At every single apartment I’ve lived in, I’ve experienced notorious rent increases — most recently by more than 30%!

As a freelance editor and content contributor, I also spend a large chunk of my time traveling. Fortunately, many of the New York City airports have experienced a “glow-up” while I’ve lived here. LaGuardia is now my favorite airport to fly out of — it’s the closest airport by distance and offers a great range of lounge options. But even Newark‘s new Terminal A has become a great place to fly from.

When I’m not traveling, I like going on runs on the West Side Highway or exploring new fitness classes on ClassPass, dining at new restaurants every week, and seeing new Broadway shows or concerts. None of those activities (except running) are free, and I spend the vast majority of my budget on rent, food, and groceries. Based on my current lifestyle habits, these 3 cards help me outsize my rewards potential and fuel my future trips.

Bilt Mastercard

Rates & Fees

Bilt Mastercard

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at Bilt's secure site)

Bilt Mastercard

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

See Rate & Fees

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt Mastercard, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt Card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 on dining
• 2x points per $1 on travel
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year (plus all other eligible purchases)

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

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Card Highlights

• $0 Annual Fee
• Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
• Earns 3x points on dining, 2x on travel, and 1x on other purchases
• Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
• Use the card 5 times each statement period to earn points
• Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
• Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
• Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
• Select “Apply Now” to learn more about the product features, terms, and conditions

Financial Snapshot

• APR: See Rate & Fees
• Foreign Transaction Fees: $0

You can’t talk about New York without bringing up everyone’s favorite subject matter: rent.

Unsurprisingly, New York City tops the charts as the most expensive U.S. rental market. In December 2022, the median rent for a 1-bedroom home was $3,738, according to CNBC.

In the name of transparency, I pay around $2,000 per month for rent — and that’s with 1 roommate! Perhaps the only silver lining of paying an exorbitant amount of rent is that I can earn points for my most expensive recurring expense with my Bilt Card.

Issued by Wells Fargo, the Bilt Card is an innovative product that allows you to earn points on rent, up to 100,000 points per year, with no transaction fees (rates & fees) — and it has a $0 annual fee (rates & fees)! Therefore, as long as you don’t miss a payment on the card — which you should be doing anyway if you have a credit card — you won’t pay fees. Here’s the ongoing rewards rate:

• 3x points on dining, including takeout and delivery
• 2x points on travel, from airfare to hotels to subway fares to bus tickets to taxis — and you can earn 5x total points on Lyft rideshares now!
• 1x points on rent (capped at 100,000 points earned per year) and other eligible purchases

From rent alone, I earn 24,000 points every year. We estimate that Bilt Points are worth 1.8 cents apiece, so I’m bringing home a respectable $432 worth of points from rent annually.

Hot Tip: The Bilt Rewards Alliance is made up of more than 2 million participating rental homes where you can seamlessly pay your rent through the Bilt app. Even if your apartment isn’t part of this network (mine isn’t), Bilt generates a checking and savings account number on the app that you can use to pay rent to your landlord, and it’ll charge your card the amount. It’s that easy.

The only “catch” is that you have to use this card 5x per statement period (of any amount) to reap the full points on rent. But between my $2.75 subway fare or a $7 latte, hitting this monthly requirement is effortless.

Plus, on the first of every month, I look forward to Bilt Rent Day where cardholders can earn double points on all eligible purchases (except rent), up to 1,000 points. That means 6x points at restaurants, 4x points on travel, and 2x points on all other eligible purchases. For me, that’s when I like to strategically line up the monthly payment date for my hefty medical or utility bills to earn double points.

Simply put, it’s easy to amass a pile of Bilt points, which are quickly becoming my favorite loyalty currency. With 12 airline and 2 hotel transfer partners that transfer at a 1:1 ratio, my favorites are American Airlines AAdvantage (no longer available as of June 24, 2024) and World of Hyatt.

Most recently, I transferred my Bilt points to Hyatt to book the stunning Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch for 23,000 points per night. With nightly rates at over $600 per night, I scored an excellent 2.6 per point value with my Bilt points.

American Express^® Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

If it’s not rent, it’s everything related to food that puts a dent in my spending. In fact, I use my Amex Gold card exclusively for dining and groceries, as it earns:

• 4x points at restaurants worldwide (up to $50,000 per calendar year, then 1x)
• 4x points at U.S. supermarkets (up to the first $25,000 spent per year; then 1x points)
• 3x points for flights booked directly with airlines or through AmexTravel.com
• 1x points on all other eligible purchases

The 4x point multiplier is incredibly powerful and arguably one of the best earning rates for both dining and groceries. I do enjoy cooking at home most days, but I equally like exploring new restaurants and allocate a significant portion of my budget for dining.

While this number fluctuates per month (depending if I’m in New York or traveling), let’s say that I spend around $1,000 per month on these 2 bonus categories. That’s 48,000 Membership Rewards points that I’m taking home every year, worth $1,056 according to our valuations.

These rewards earned cover the $325 annual fee (rates & fees) for me. Other ways I maximize this card is by taking advantage of annual statement credits that you can enroll for on your Amex account:

• Up to $120 in Uber Cash, which is good for rides and Uber Eats orders in the U.S. (up to $10 per month) if you add your Amex Gold card to your Uber account, but any Amex card can be used for payment
• Up to $120 dining credit, which is good at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (up to $10 per month)

The first credit is incredibly easy to use, and I look forward to my Uber Cash getting loaded every month. Inevitably, I’ll take an Uber ride (or multiple) throughout the month, so the $10 discount adds up to $120 in automatic savings every year.

Admittedly, the second credit is harder to use and may not be as intuitive — it’s almost like it was built for New Yorkers to use. However, I’ll use Grubhub pickup to grab lunch and avoid unnecessary delivery fees.

The Amex Membership Rewards program boasts 20 airline and hotel transfer partners, including Delta Air Lines, my preferred domestic carrier. However, the international programs are where you’ll find incredible value for your points — I just booked an Iberia business class flight for 50,000 points between Madrid (MAD) and New York (JFK) this summer by transferring points to Club Iberia Plus.

Platinum Card^® from American Express

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The final card I’d pick is a bit of a luxury.

At the start of 2023, I finally bit the bullet and opened the Amex Platinum card. I had avoided opening one for so long, as the $895 annual fee (rates & fees) is daunting.

However, the Amex Platinum card comes with an extensive number of statement credits. While that’s true, there are many credits I wouldn’t necessarily use at all if I didn’t hold the card.

With that said, here are the statement credits that I know I would already use personally that help me justify the $895 annual fee:

• Up to $600 annual hotel credit (up to $300 semi-annually) on select prepaid hotel bookings through AmexTravel.com
• Up to $300 annual digital entertainment credit: Up to $25 in monthly statement credits for select digital entertainment partners — I already subscribed to The New York Times ($5/month)
• Up to $200 annual Uber Cash: Up to $15 monthly (plus a bonus of $20 in December) for Uber Eats or rides in the U.S.
• Up to $200 annual airline fee credit for incidentals on 1 qualifying airline

Those 4 statement credits amount to $1,300 per year, and that’s before I consider the other statement credits that are merely nice-to-haves at this point:

• Up to $209 annual CLEAR^® Plus membership credit
• Up to $100 annual Saks Fifth Avenue credit: Up to $50 in statement credits semi-annually
• Up to $155 annual Walmart+ credit for fast, free delivery and gas discounts

Some of the credits I’ve mentioned require enrollment, and, of course, I don’t maximize every single credit. For instance, I don’t go to Equinox gyms, although there are plenty of locations in New York. If you are a member, you’ll get up to $300 in Equinox credit toward your gym membership every year.

There’s also a useful credit of up to $120 for Global Entry or up to $85 for TSA PreCheck application fees. I already have Global Entry, but you can use this credit to pay for a family member or friend’s application — trust me, they’ll thank you later!

Hot Tip: All Amex cards get access to incredible Amex Offers, which display 100 great discounts at a time for dining, entertainment, and more. Some of these offers can be quite lucrative, like a $150 statement credit when you spend $600 more on Delta Air Lines.

But we haven’t even discussed my 2 favorite benefits on the Amex Platinum yet: access to the Global Lounge Collection and the terrific earning rate on flights and hotels.

I am constantly traveling, primarily as I can easily access 3 major airports at any point. At New York’s LaGuardia (LGA) and John F. Kennedy (JFK), I can visit the Amex Centurion Lounge to grab a bite (and avoid overpaying for a lousy airport meal), charge up my devices, and even take a shower before my flight. Even better, the Newark (EWR) Centurion Lounge is slated to open sometime this year.

When flying domestically, I mostly fly with Delta, so the ability to access Delta Sky Clubs (10 visits a year) on a same-day ticket is helpful, too. That said, I much prefer the gorgeous new Sky Club in LaGuardia’s Terminal C nowadays. You can also enroll in a Priority Pass membership, which grants you access to 1,400 partner lounges worldwide.

The last point I’ll make is the fantastic earning rate on the card. You can earn 5x points on flights booked directly with airlines or AmexTravel.com (up to the first $500,000 spent per calendar year; then 1x points) and 5x points on prepaid hotels booked through AmexTravel.com, as well as 1x points on all other purchases. That 5x multiplier is industry-leading when it comes to earning points on flights and hotels. Combined with the points I earn from my Amex Gold card, I earn a giant balance of Membership Rewards points every year.

While I’m still working to achieve the spending minimum for the 150,000-point welcome offer, there’s a world of possibilities when those points arrive in my Membership Rewards balance. Right now, I’m eyeing another business class flight on Singapore Airlines to Southeast Asia.

Final Thoughts

When it comes to my favorite rewards cards, it boils down to 2 factors: How can I maximize my everyday spending, and how can I elevate my travel experience? Surely, if I lived in another part of the country (or the world), I may have a different approach, but these 3 cards have been valuable additions to my lifestyle in New York City.