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    Jarrod’s Top Travel Rewards Cards

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    People that are just getting started in the world of points and miles often ask “What is the best travel rewards card?”.

    Truthfully, the “best credit card” doesn’t exist. But there are cards that are best for you based on your unique spending habits and travel goals.

    But with hundreds of different credit card options available, how do you figure out which one is best for you? As a proud credit card nerd and founder of the Freequent Flyer Blog, I’ve done all the research for you, and below are my top picks for the best travel rewards credit cards available.

    I’ve partnered with Upgraded Points to provide these recommendations because, as a Senior Content Contributor for the site, I can vouch first-hand that we provide the most comprehensive travel rewards and credit card guides out there!

    Amex Membership Rewards

    Fly round-trip to Tokyo in ANA Business Class using your Amex Membership Rewards points. Image Credit: All Nippon Airways

    The Platinum Card® from American Express

    Best For: Luxury travelers, lounge access, and premium perks

    The Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

    Learn More(at Amex's secure site)

    The Platinum Card® from American Express

    This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
    • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
    • 5x points per $1 spent on prepaid hotels booked with American Express Travel
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts
    • Access to Amex International Airline Program
    • No foreign transaction fees (rates and fees)

    Cons

    • $695 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.

    Financial Snapshot

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

    Card Categories

    Rewards Center

    American Express Membership Rewards

    American Express® Gold Card

    Best For: Dining and supermarket purchases

    American Express® Gold CardTerms 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 in's and out's 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 go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

    Learn More(at Amex's secure site)

    American Express® Gold Card

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

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

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

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

    Pros

    • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
    • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
    • No foreign transaction fees (see rates and fees)
    • Access to Amex’s The Hotel Collection
    • Access to American Express transfer partners

    Cons

    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Financial Snapshot

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

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Blue Cash Preferred® Card from American Express

    Best For: Cash-back

    Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

    Blue Cash Preferred® Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

    Learn More(at Amex's secure site)

    Blue Cash Preferred® Card from American Express

    This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
    Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    $250
    $0 intro annual fee for the first year, then $95.
    19.24%-29.99% Variable,0% on purchases for 12 months
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

    With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

    Pros

    • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
    • 6% cash-back on select U.S. streaming subscriptions
    • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
    • 1% cash-back on all other purchases

    Cons

    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
    • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
    • Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Card Categories

    Rewards Center

    Redeem cash-back through your American Express account

    Blue Cash Everyday® Card from American Express

    Best For: Cash-back with no annual fee

    Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

    Blue Cash Everyday® Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

    Learn More(at Amex's secure site)

    Blue Cash Everyday® Card from American Express

    This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
    Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    $200
    $0
    0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

    This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

    Pros

    • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
    • Monthly credit towards The Disney Bundle
    • Monthly credit towards Home Chef

    Cons

    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee.
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
    • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.

    Financial Snapshot

    • APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    Card Categories

    The Business Platinum Card® from American Express

    Best For: Luxury business travelers and lounge access

    OUR BEST OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Business Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

    Learn More(at Amex's secure site)

    The Business Platinum Card® from American Express

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    120,000 points
    $2,640
    $695
    19.49% - 27.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

    When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
    • Up to $200 annual airline fee credit on your selected qualifying airline
    • Statement credits on select purchases with your card
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Global Entry or TSA PreCheck application fee credit
    • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
    • Access to Amex’s Fine Hotels & Resorts program

    Cons

    • High annual fee of $695 (rates and fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
    • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
    • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
    • $695 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    American Express® Business Gold Card

    Best For: Big spenders

    American Express® Business Gold CardTerms Apply / Rates & Fees

    American Express® Business Gold Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

    Learn More(at Amex's secure site)

    American Express® Business Gold Card

    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
    Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
    70,000 points
    $1,540
    $295
    19.49% - 27.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

    The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
      • Airfare purchased from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
      • U.S. purchases at gas stations
      • U.S. purchases at restaurants
      • U.S. purchases for shipping
    • 25% airline bonus when using Pay With Points
    • Access to Amex’s The Hotel Collection
    • Purchase protection and extended warranty protection
    • Trip delay insurance
    • Car rental insurance

    Cons

    • $295 annual fee (rates and fees)
    • No elite travel benefits like airport lounge access or elite status
    • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
    • *Terms Apply

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    The Blue Business® Plus Credit Card from American Express

    Best For: Double points with no annual fee (see rates and fees)

    The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

    The Blue Business® Plus Credit Card from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

    Learn More(at Amex's secure site)

    The Blue Business® Plus Credit Card from American Express

    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
    N/A
    N/A
    $0
    $0
    0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-840)

    As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

    With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

    The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

    Let’s take look at all that the Amex Blue Business Plus card has to offer.

    Pros

    • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
    • Purchase protection and extended warranty protection
    • No annual fee and employee cards at no additional cost

    Cons

    • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
    • No elite travel benefits like lounge access or elite status
    • Charges foreign transaction fees
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
    • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
    • No Annual Fee
    • Terms Apply

    Financial Snapshot

    • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Card Categories

    Rewards Center

    American Express Membership Rewards

    The American Express Blue Business Cash™ Card

    Best For: 2% cash-back with no annual fee (see rates and fees)

    The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees

    The American Express Blue Business Cash™ Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

    Learn More(at Amex's secure site)

    The American Express Blue Business Cash™ Card

    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
    N/A
    N/A
    $0
    0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

    This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

    Pros

    • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
    • No annual fee
    • Travel and purchase protection

    Cons

    • Not ideal for those who spend a lot on a specific category like groceries or gas
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
    • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
    • No Annual Fee
    • Terms Apply

    Financial Snapshot

    • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    Card Categories

    Chase Ultimate Rewards

    Use can use your Chase Ultimate Rewards for this luxurious First Class seat aboard Singapore Airlines. Image Credit: Greg Stone

    Chase Sapphire Preferred® Card

    Best For: First-time cardholders

    Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

    Learn More(at Chase's secure site)

    Chase Sapphire Preferred® Card

    A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    60,000 points
    $1,200
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros

    • 5x points on all travel booked via the Chase Ultimate Rewards portal
    • 5x points on select Peloton purchases over $250 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
    • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
    • Excellent travel and car rental insurance
    • 10% annual bonus points
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
    • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

    Cons

    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Chase Sapphire Reserve® Card

    Best For: Frequent travelers and travel insurance

    Chase Sapphire Reserve®

    Chase Sapphire Reserve®

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

    Learn More(at Chase's secure site)

    Chase Sapphire Reserve®

    A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    60,000 points
    $1,200
    $550
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Excellent (740-850)

    If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

    The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

    Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

    Pros

    • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
    • 10x points on Lyft purchases March 31, 2025
    • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
    • 5x points on airfare booked via the Chase Ultimate Rewards portal
    • 3x points on all other travel and dining purchases; 1x point on all other purchases
    • $300 annual travel credit
    • Priority Pass airport lounge access
    • TSA PreCheck, Global Entry, or NEXUS credit
    • Access to Chase Luxury Hotel and Resort Collection
    • Rental car elite status with National and Avis

    Cons

    • $550 annual fee
    • Does not offer any sort of hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Chase Freedom Flex℠ Credit Card

    Best For: Cash-back with no annual fee

    Chase Freedom Flex℠

    Chase Freedom Flex℠

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

    Chase Freedom Flex℠

    The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
    Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

    The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

    Pros

    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
    • No annual fee
    • Excellent cell phone insurance
    • Ability to pool points
    • Mastercard World Elite benefits

    Cons

    • 3% foreign transaction fees in U.S. dollars
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Chase Freedom Unlimited® Card

    Best For: Everyday spending

    Chase Freedom Unlimited®

    Chase Freedom Unlimited®

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    Learn More(at Chase's secure site)

    Chase Freedom Unlimited®

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
    Additional 1.5% cash-back
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

    When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

    Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

    Pros

    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • 5% back on travel purchased through Chase Ultimate Rewards
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    • No annual fee
    • Earn big on travel purchased through Chase Ultimate Rewards
    • Everyday bonus on dining and drugstores
    • Straightforward cash-back on all other purchases
    • Ability to pool points

    Cons

    • 3% foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Ink Business Preferred® Credit Card

    Best For: Frequent traveling small business owners

    NEW OFFER
    Ink Business Preferred® Credit Card

    Ink Business Preferred® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

    Learn More(at Chase's secure site)

    Ink Business Preferred® Credit Card

    The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
    Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
    100,000 points
    $2,000
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

    Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

    Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

    Pros

    • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
    • Cell phone protection
    • Purchase protection
    • Trip cancellation and interruption insurance
    • Rental car insurance
    • Extended warranty coverage

    Cons

    • No elite travel benefits like airport lounge access
    • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Ink Business Cash® Credit Card

    Best For: Office supply, internet, and phone service purchases

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

    Learn More(at Chase's secure site)

    Ink Business Cash® Credit Card

    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    $900
    $900
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

    When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

    Pros

    • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
    • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
    • Travel insurance and purchase protection
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Employee cards at no additional cost
    • No annual fee

    Cons

    • Spending caps in bonus categories
    • Low points earning outside of bonus categories
    • 3% foreign transaction fees
    • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    Ink Business Unlimited® Credit Card

    Best For: Cash-back with no annual fee

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

    Learn More(at Chase's secure site)

    Ink Business Cash® Credit Card

    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $900
    $900
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

    If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

    Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

    Pros

    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Employee cards at no additional cost
    • Earn flexible rewards

    Cons

    • 3% foreign transaction fee
    • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Citi ThankYou Points

    Fly United’s Polaris Business Class to Hawaii using your ThankYou points. Image Credit: United

    Citi Premier® Card

    Best For: First-time cardholders

    Citi Premier® Card

    Citi Premier® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

    Learn More(at our partner's secure site)

    Citi Premier® Card

    Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
    Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
    60,000 points
    $960
    $95
    21.24% - 29.24% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

    Pros

    • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
    • Access to Citi transfer partners
    • Annual hotel credit
    • No foreign transaction fees

    Cons

    • $95 annual fee
    • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    Financial Snapshot

    • APR: 21.24% - 29.24% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Citi ThankYou Rewards

    Citi® Double Cash Card

    Best For: 2% cash-back with no annual fee

    Citi® Double Cash Card

    Citi® Double Cash Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

    Learn More(at our partner's secure site)

    Citi® Double Cash Card

    Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
    None
    $0
    19.24% - 29.24% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Fair to Excellent (580-850)

    The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

    This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

    Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

    Pros

    • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
    • Flexible redemption options
    • No annual fee

    Cons

    • No bonus categories
    • 3% foreign transaction fees
    • Lack of premium travel benefits
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

    Financial Snapshot

    • APR: 19.24% - 29.24% Variable
    • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

    Card Categories

    Rewards Center

    Citi ThankYou Rewards

    Capital One Miles

    Use your Capital One miles to fly in style aboard Lufthansa’s first class cabin. Image Credit: Cherag Dubash

    Capital One Venture X Rewards Credit Card

    Best For: Frequent travelers and lounge access

    Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

    Capital One Venture X Rewards Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

    Learn More(at Capital One's secure site)

    Capital One Venture X Rewards Credit Card

    The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $395
    21.99% - 28.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Excellent (740-840)

    The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

    Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

    Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

     

    Pros

    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights purchased through Capital One Travel
    • 2x miles per $1 on all other purchases
    • $300 annual travel credit on bookings made through Capital One Travel
    • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • 10,000 bonus miles awarded on your account anniversary each year
    • Global Entry/TSA PreCheck credit
    • Add authorized users for no additional annual fee
    • No foreign transaction fees

     

    Cons

    • $395 annual fee
    • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

     

    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more – you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®

    Financial Snapshot

    • APR: 21.99% - 28.99% Variable
    • Foreign Transaction Fees: $0

    Card Categories

    Rewards Center

    Capital One Miles

     

    Capital One Venture Rewards card

    Best For: Occasional travelers

    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

    Capital One Venture Rewards Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

    Learn More(at Capital One's secure site)

    Capital One Venture Rewards Credit Card

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $95
    20.99% - 28.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent Credit (670-850)

    As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!

    The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.

    Pros

    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
    • Global Entry or TSA PreCheck credit
    • No foreign transaction fees
    • Access to Capital One transfer partners

    Cons

    • $95 annual fee
    • Limited elite benefits
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
    • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from our Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs

    Financial Snapshot

    • APR: 20.99% - 28.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

    Capital One Spark Miles for Business

    Best For: 2x rewards for small business owners

    Capital One Spark Miles for Business

    Capital One Spark Miles for Business

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

    Capital One Spark Miles for Business

    The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
    Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
    50,000 miles
    $900
    $0 intro for the first year, $95 after that
    25.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

     

    Pros

    • Unlimited 2x miles per $1 spent on all purchases
    • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
    • 2 complimentary visits to a Capital One Lounge per year
    • Up to a $100 Global Entry or TSA PreCheck credit
    • Access to Capital One transfer partners
    • No foreign transaction fees
    • Free employee cards
    • Extended warranty coverage

     

    Cons

    • Annual fee: $0 intro for the first year, $95 after that

     

    • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
    • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
    • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
    • Transfer your miles to 15+ travel loyalty programs
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
    • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
    • $0 intro annual fee for the first year; $95 after that
    • Free employee cards which also earn unlimited 2X miles from their purchases

     

    Financial Snapshot

    • APR: 25.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

     

    <ul><li><a href="/credit-cards/business/best-capital-one-business-credit-cards/" data-wpel-link="internal">Best Capital One Business Credit Cards</a></li><li><a href="/credit-cards/best-ways-to-redeem-capital-one-miles/" data-wpel-link="internal">Best Ways To Redeem Capital One Miles</a></li><li><a href="/credit-cards/capital-one-miles-program-review/" data-wpel-link="internal">Capital One Miles Program Review</a></li><li><a href="/credit-cards/capital-one-transfer-partners/" data-wpel-link="internal">Capital One Transfer Partners</a></li><li><a href="/credit-cards/capital-one-miles-faqs/" data-wpel-link="internal">How Much Are Capital One Miles Worth?</a></li><li><a href="/credit-cards/business/best-business-cards-with-high-limits/">Best High Limit Business Credit Cards</a></li></ul><p>&nbsp;</p>

    Co-Branded Airline Cards

    Love flying with a certain airline? Adding one of their co-branded cards can take your flight experience to the next level. Image Credit: Iryna Rasko via Shutterstock

    Citi®/AAdvantage® Executive World Elite™ Mastercard®

    Best For: American Airlines loyalists and Admirals Club access

    Citi® / AAdvantage® Executive World Elite Mastercard®

    Citi® / AAdvantage® Executive World Elite Mastercard®

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.

    Learn More(at our partner's secure site)

    Citi® / AAdvantage® Executive World Elite Mastercard®

    Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.
    Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
    70,000 miles
    $980
    $595
    21.24% - 29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Citi®/AAdvantage® Executive World Elite Mastercard® is a go-to card thanks to its exclusive perks and benefits for people who love to fly American Airlines. With a complimentary Admirals Club membership, free checked bags, inflight discounts, and the ability to earn Loyalty Points for every $1 you spend, there is plenty to love about the card.

    Pros

    • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
    • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
    • No Foreign Transaction Fees on purchases
    • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
    • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

    Cons

    • $595 annual fee
    • Doesn’t earn many miles on all other eligible purchases
    • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
    • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
    • No Foreign Transaction Fees on purchases
    • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
    • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

    Financial Snapshot

    • APR: 21.24% - 29.99% Variable
    • Foreign Transaction Fees:

    Card Categories

    Rewards Center

    American Airlines AAdvantage Frequent Flyer Program

    Delta SkyMiles® Gold American Express Card

    Best For: Occasional Delta flyers

    Delta SkyMiles® Gold American Express CardTerms Apply / Rates & Fees

    Delta SkyMiles® Gold American Express Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card provides bonus SkyMiles on all purchases, along with a free bag, priority boarding, and discounted award flights.

    Learn More(at Amex's secure site)

    Delta SkyMiles® Gold American Express Card

    This card provides bonus SkyMiles on all purchases, along with a free bag, priority boarding, and discounted award flights.
    Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
    40,000 miles
    $480
    $0 introductory annual fee for the first year, then $99.
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Frequent Delta flyers will love the Delta SkyMiles® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.

    Pros

    • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Bonus earning on Delta purchases and U.S. supermarket and worldwide restaurant purchases
    • First checked bag free on Delta flights
    • 20% back on inflight purchases

    Cons

    • Moderate annual fee
    • Earn rate for Delta flights is relatively low compared to other travel cards
    • Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
    • Enjoy a $0 introductory Annual Fee for the first year, then $99.
    • Enjoy your first checked bag free on Delta flights.
    • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
    • Earn 1X Mile on all other eligible purchases.
    • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
    • Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
    • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
    • No Foreign Transaction Fees.
    • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Delta SkyMiles Frequent Flyer Program

    Delta SkyMiles® Platinum American Express Card

    Best For: Frequent Delta flyers

    Delta SkyMiles® Platinum American Express CardTerms Apply / Rates & Fees

    Delta SkyMiles® Platinum American Express Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

    Learn More(at Amex's secure site)

    Delta SkyMiles® Platinum American Express Card

    Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.
    Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
    50,000 bonus miles
    $600
    $250
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Delta SkyMiles® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

    A key feature of this card is the ability to earn bonus Medallion Qualification Miles (MQMs) that are essential for earning Delta status. This could help you get closer to earning free flights and other valuable rewards.

    Pros

    • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • 3x SkyMiles per $1 spent on Delta purchases
    • 3x SkyMiles per $1 spent on purchases made directly with hotels
    • 2x SkyMiles per $1 spent at restaurants and U.S. supermarkets
    • 1x SkyMile per $1 spent on all other purchases
    • Annual companion certificate
    • Complimentary checked bags
    • Global Entry or TSA PreCheck application fee statement credit
    • 20% back on inflight purchases
    • Delta Status Boost
    • Discount on Delta Sky Club visits (Effective 1/1/24, this benefit will no longer be available)

    Cons

    • $250 annual fee (rates & fees)
    • Does not earn transferable rewards
    • Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
    • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
    • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
    • Earn 1X Miles on all other eligible purchases.
    • Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
    • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • No Foreign Transaction Fees.
    • $250 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Delta Air Lines SkyMiles

    Delta SkyMiles® Reserve American Express Card

    Best For: Delta loyalists and Delta Sky Club access

    Delta SkyMiles® Reserve American Express CardTerms Apply / Rates & Fees

    Delta SkyMiles® Reserve American Express Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

    Learn More(at Amex's secure site)

    Delta SkyMiles® Reserve American Express Card

    Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
    Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    60,000 miles
    $720
    $550
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its lounge access, status boost, annual companion certificate, and many other great benefits.

    Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

    Pros

    • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • 3x SkyMiles per $1 on Delta purchases
    • 1x SkyMile per $1 on all other purchases
    • Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • Delta Status Boost
    • Medallion Qualification Dollar (MQD) Waiver
    • Annual Companion Certificate
    • Access to Complimentary Upgrades and Upgrade Priority
    • Free checked bags
    • 20% back on inflight purchases
    • Global Entry or TSA PreCheck application fee statement credit
    • Travel and purchase protection

    Cons

    • $550 annual fee (rates and fees)
    • No bonus categories other than Delta purchases
    • Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    • Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 3X Miles on Delta purchases.
    • Earn 1X Mile on all other eligible purchases.
    • No Foreign Transaction Fees.
    • $550 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Delta SkyMiles Airline Loyalty Program

    United℠ Explorer Card

    Best For: Occasional United flyers

    United℠ Explorer Card

    United℠ Explorer Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

    Learn More(at Chase's secure site)

    United℠ Explorer Card

    With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
    Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    60,000 miles
    $720
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

    You should consider the United℠ Explorer Card, because this card does all that and more!

    Pros

    • 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
    • 1x mile per $1 on all other purchases
    • First checked bag free for you and up to 1 traveling companion
    • 25% statement credit on United inflight purchases
    • Priority boarding
    • Global Entry, TSA PreCheck, or NEXUS statement credit
    • 2 United Club 1-time passes each year
    • Premier upgrades on award tickets
    • Travel and purchase protections

    Cons

    • $0 intro for the first year, then $95 annual fee
    • Does not earn transferable rewards
    • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $95.
    • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
    • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
    • Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    United MileagePlus Frequent Flyer Program

    United Quest℠ Card

    Best For: Frequent United flyers

    United Quest℠ Card

    United Quest℠ Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

    Learn More(at Chase's secure site)

    United Quest℠ Card

    The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
    Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
    60,000 miles
    $720
    $250
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

    With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

    Pros

    • 3x miles per $1 on United purchases
    • 2x miles per $1 spent on travel, dining, and select streaming services
    • $125 annual United credit
    • 2 5,000-mile anniversary award flight credits
    • Free first and second checked bag for you and 1 traveling companion
    • Priority boarding
    • 25% back on United inflight purchases
    • Complimentary Premier Upgrades on United-operated award tickets (when available)
    • Expanded award availability
    • Up to 3,000 Premier Qualifying Points
    • Up to $100 Global Entry/TSA PreCheck/NEXUS credit
    • Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection

    Cons

    • Does not earn transferable rewards
    • Does not offer airport lounge access
    • $250 annual fee
    • Earn 60,000 bonus miles and 500 PQP after qualifying purchases
    • Earn 3 miles per $1 spent on United® purchases
    • Earn 2 miles per $1 spent on all other travel, dining and select streaming services
    • Earn 1 mile per $1 spent on all other purchases
    • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
    • Up to a $125 United® purchase credit and two 5,000-mile anniversary award flight credits each year (terms apply)
    • Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    <ul><li><a href="/credit-cards/best-chase-united-credit-cards/">Best Chase United Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-united-flyers/">Best Credit Cards for United Flyers</a></li></ul>

    United Club℠ Infinite Card

    Best For: United loyalists and United Club access

    United Club℠ Infinite Card

    United Club℠ Infinite Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

    Learn More(at Chase's secure site)

    United Club℠ Infinite Card

    Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
    Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
    80,000 miles
    $960
    $525
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Excellent (740-850)

    The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

    United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

    Pros

    • 4x miles per $1 on United purchases
    • 2x miles per $1 on travel and dining purchases
    • Complimentary United Club membership
    • Free first and second checked bag for you and 1 traveling companion
    • United Premier Access
    • 25% back on United inflight purchases
    • Complimentary Premier Upgrades on United-operated award tickets (when available)
    • Expanded award availability
    • Up to 8,000 Premier Qualifying Points
    • $100 Global Entry/TSA PreCheck/NEXUS credit
    • Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
    • Shopping protections like return protection, purchase protection, and extended warranty protection
    • $70 discount on CLEAR membership, plus 10,000 bonus miles
    • IHG One Rewards Platinum Elite status and a $75 annual credit
    • Avis President’s Club elite status
    • 10% discount on United Economy Saver Awards within the continental U.S. and Canada

    Cons

    • $525 annual fee
    • Does not earn transferable rewards
    • Earn 80,000 bonus miles after qualifying purchases
    • Earn 4 miles per $1 spent on United® purchases
    • Earn 2 miles per $1 spent on all other travel and dining
    • Earn 1 mile per $1 spent on all other purchases
    • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
    • 10% United Economy Saver Award discount within the continental U.S. and Canada
    • Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    <ul><li><a href="/credit-cards/best-chase-united-credit-cards/">Best Chase United Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-united-flyers/">Best Credit Cards for United Flyers</a></li><li><a href="/travel/airports/united-club-lounges/">United Club Lounge Locations</a></li><li><a href="/news/united-club-infinite-card-benefits/">New Benefits for United Club Infinite Card [IHG Elite Status, 10% Off Awards]</a></li></ul>

    Southwest Rapid Rewards Personal Cards

    Best For: Southwest flyers and Southwest Companion Pass

    Southwest Rapid Rewards® Priority Credit Card

    Southwest Rapid Rewards® Priority Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

    Learn More(at Chase's secure site)

    Southwest Rapid Rewards® Priority Credit Card

    This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.
    Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    50,000 points
    $650
    $149
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Southwest Rapid Rewards® Priority Credit Card is the most premium personal Southwest card offering from Chase. When you peel back the curtain, it is easy to see why.

    Not only does the card offer multiple bonus categories to help you earn more Southwest Rapid Rewards points, but it is also loaded with benefits that are sure to offer quite a bit of value to Southwest flyers.

    Here is a full overview of the card to help you decide if it is a good fit for your wallet.

    Pros

    • 3x points per $1 on Southwest purchases
    • 2x points per $1 on local transit and commuting, including rideshare purchases
    • 2x points per $1 on internet, cable, phone services, and select streaming purchases
    • 1x point per $1 on all other purchases
    • 7,500 points each year on your cardmember anniversary
    • $75 annual Southwest travel credit
    • 4 Upgraded Boardings per year
    • 25% back on inflight purchases
    • 1,500 tier qualifying points towards elite status for every $10,000 spent
    • Travel and purchase protection

    Cons

    • $149 annual fee
    • Does not earn transferable points
    • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    • 7,500 anniversary points each year.
    • Earn 3X points on Southwest® purchases.
    • Earn 2X points on local transit and commuting, including rideshare.
    • Earn 2X points on internet, cable, and phone services; select streaming.
    • $75 Southwest® travel credit each year.
    • No foreign transaction fees.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Southwest Rapid Rewards Frequent Flyer Program

    Southwest Rapid Rewards® Premier Credit Card

    Southwest Rapid Rewards® Premier Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!

    Learn More(at Chase's secure site)

    Southwest Rapid Rewards® Premier Credit Card

    Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!
    Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    50,000 points
    $650
    $99
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Another week, another flight. Flying weekly can get tiring, but you know that every flight gets you closer to taking some great vacations with your significant other or your favorite travel buddy.

    To save money on the flights, you like to use Southwest Airlines.

    So why not get the Southwest Rapid Rewards® Premier Credit Card to help you earn extra Rapid Rewards points?

    Pros

    • 3x points per $1 on Southwest purchases
    • 2x points per $1 on Rapid Rewards hotel and car rental partners
    • 2x points per $1 on local transit and commuting, including rideshares
    • 2x points per $1 on Internet, cable, phone services, and select streaming services
    • 6,000 anniversary points each year on your card renewal
    • 2 EarlyBird Check-In certificates per year
    • Earn Tier Qualifying Points for your spend
    • 25% back on inflight purchases

    Cons

    • $99 annual fee
    • Does not earn transferable rewards
    • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    • 6,000 anniversary points each year.
    • Earn 3X points on Southwest® purchases.
    • Earn 2X points on local transit and commuting, including rideshare.
    • Earn 2X points on internet, cable, and phone services; select streaming.
    • 2 EarlyBird Check-In® each year.
    • No foreign transaction fees.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Southwest Rapid Rewards Frequent Flyer Program

    Southwest Rapid Rewards® Plus Credit Card

    Southwest Rapid Rewards® Plus Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 card makes it easy to earn unlimited points and qualify for the Southwest Companion Pass.

    Learn More(at Chase's secure site)

    Southwest Rapid Rewards® Plus Credit Card

    This card makes it easy to earn unlimited points and qualify for the Southwest Companion Pass.
    Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    50,000 points
    $650
    $69
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    If you spend a lot of time in the air, it’s important to get a great deal on your plane tickets.

    Southwest Airlines can help you get those deals.

    One way to save is by using the Southwest Rapid Rewards® Plus Credit Card. This card helps you earn points for all your spending, and earning more reward points is always a good thing for a busy traveler!

    Pros

    • 2x points per $1 on Southwest purchases
    • 2x points per $1 on local transit and commuting, including rideshares
    • 2x points per $1 on internet, cable, phone services, and select streaming
    • 3,000 anniversary points each year on your card renewal
    • 2 EarlyBird Check-In certificates per year
    • 25% back on inflight purchases

    Cons

    • $69 annual fee
    • Does not earn transferable rewards
    • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
    • 3,000 anniversary points each year.
    • Earn 2X points on Southwest® purchases.
    • Earn 2X points on local transit and commuting, including rideshare.
    • Earn 2X points on internet, cable, and phone services; select streaming.
    • 2 EarlyBird Check-In® each year.
    • Earn 1 point for every $1 spent on all other purchases.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Southwest Rapid Rewards Frequent Flyer Program

    Southwest Rapid Rewards Business Cards

    Best For: Southwest flyers and Southwest Companion Pass

    Southwest® Rapid Rewards® Performance Business Credit Card

    Southwest® Rapid Rewards® Performance Business Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

    Learn More(at Chase's secure site)

    Southwest® Rapid Rewards® Performance Business Credit Card

    Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
    Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
    80,000 points
    $1,040
    $199
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Southwest Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status. 

    Pros

    • 4x points per $1 spent on Southwest purchases
    • 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
    • 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
    • 2x points per $1 spent on local transit and commuting, including rideshare services
    • 9,000 bonus points each year after your cardmember anniversary
    • Up to 365 inflight Wi-Fi credits per year
    • 4 Upgraded Boarding certificates per year
    • Earn 1,500 tier qualifying points towards Southwest status for every $10,000 spent on the card
    • Up to a $500 fee credit for points transfers when you use your card to transfer points to another Southwest Rapid Rewards member
    • Employee cards at no additional cost
    • Global Entry/TSA PreCheck/NEXUS credit
    • No foreign transaction fees
    • Lost luggage reimbursement
    • Baggage delay insurance
    • Extended warranty protection
    • Purchase protection

    Cons

    • $199 annual fee
    • Doesn’t earn transferable rewards
    • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
    • 9,000 bonus points after your Cardmember anniversary.
    • Earn 4X points on Southwest® purchases.
    • Earn 3X points on Rapid Rewards® hotel and car rental partners.
    • Earn 2X points on rideshare.
    • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
    • 4 Upgraded Boardings per year when available.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    <ul><li><a href="/credit-cards/best-chase-southwest-airlines-credit-cards/">Best Southwest Airlines Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-southwest-flyers/">Best Credit Cards for Southwest Airlines Flyers</a></li><li><a class="post-item__link" href="/travel/airlines/how-to-earn-southwest-rapid-rewards-points/" target="_self" rel="follow" data-wpel-link="internal">How To Earn Southwest Points Quickly</a></li><li><a href="/credit-cards/business/best-chase-business-credit-cards/">Best Chase Business Credit Cards</a></li></ul>
    Southwest® Rapid Rewards® Premier Business Credit Card

    Southwest® Rapid Rewards® Premier Business Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Business owners who fly Southwest often can earn extra points for all of their spending, and add employee cards at no additional cost.

    Learn More(at Chase's secure site)

    Southwest® Rapid Rewards® Premier Business Credit Card

    Business owners who fly Southwest often can earn extra points for all of their spending, and add employee cards at no additional cost.
    Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
    60,000 points
    $780
    $99
    21.49% - 28.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Southwest Rapid Rewards® Premier Business Credit Card is built for business owners that regularly fly with Southwest and are looking for a card that helps them earn more points while providing benefits such as 25% back on inflight purchases and EarlyBird Check-In certificates.

    Pros

    • 3x points per $1 on Southwest purchases
    • 2x points per $1 on Rapid Rewards hotel and rental car partners
    • 2x points per $1 on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages
    • 1x point per $1 on all other purchases
    • 6,000 anniversary points
    • 2 EarlyBird Check-In certificates per year
    • 25% back on inflight purchases
    • $500 fee credit for points transfers per year
    • 1,500 tier qualifying points (TQPs) toward A-List status for every $10,000 spent
    • Employee cards at no added cost
    • No foreign transaction fees
    • Lost luggage insurance
    • Baggage delay insurance
    • Purchase protection and extended warranty protection

    Cons

    • $99 annual fee
    • Doesn’t earn transferable rewards
    • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
    • 6,000 bonus points after your Cardmember anniversary.
    • Earn 3X points on Southwest Airlines® purchases.
    • Earn 2X points on Rapid Rewards® hotel and car rental partners.
    • Earn 2X points on rideshare.
    • 1 point per $1 spent on all other purchases.
    • 2 EarlyBird Check-In® each year.
    • Member FDIC

    Financial Snapshot

    • APR: 21.49% - 28.49% Variable
    • Foreign Transaction Fees: $0

    Card Categories

    <ul><li><a href="/credit-cards/best-chase-southwest-airlines-credit-cards/" target="_self" rel="follow" data-wpel-link="internal">Best Southwest Airlines Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-southwest-flyers/" target="_self" rel="follow" data-wpel-link="internal">Best Credit Cards for Southwest Airlines Flyers</a></li><li><a href="/travel/airlines/how-to-earn-southwest-rapid-rewards-points/" target="_self" rel="follow" data-wpel-link="internal">How To Earn Southwest Points Quickly</a></li><li><a href="/travel/airlines/how-to-get-southwest-elite-status/" target="_self" rel="follow" data-wpel-link="internal">How To Get Southwest Elite Status</a></li></ul>

    Co-Branded Hotel Cards

    Hotel credit cards can give you free night certificates and give you elite status benefits. Image Credit: Hyatt

    The World of Hyatt Credit Card

    Best For: Hyatt stays

    The World of Hyatt Credit Card

    The World of Hyatt Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

    The World of Hyatt Credit Card

    The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
    Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
    Up to 60,000 points
    $450
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

    When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

    Pros

    • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
    • 1x point per $1 on all other purchases
    • 1 Free Night Award each cardmember anniversary (Category 1 to 4)
    • A second Free Night Award when you spend $15,000 on the card
    • Hyatt Discoverist status
    • 5 automatic elite night credits each year
    • 2 elite night credits for every $5,000 spent on the card
    • DoorDash DashPass subscription
    • No foreign transaction fees
    • Purchase protection
    • Trip cancellation/interruption and luggage insurance

    Cons

    • $95 annual fee
    • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
    • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
    • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    World of Hyatt

    World of Hyatt Business Credit Card

    Best For: Hyatt stays for business owners

    LIMITED-TIME OFFER
    World of Hyatt Business Credit Card

    World of Hyatt Business Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

    Learn More(at Chase's secure site)

    World of Hyatt Business Credit Card

    The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
    60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Earn an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening.
    Up to 75,000 points
    $1,125
    $199
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

    The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

    Pros

    • 9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
    • 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
    • 2x points per $1 spent on fitness club and gym memberships.
    • 1x point per $1 on all other purchases
    • Automatic World of Hyatt Discoverist status
    • Gift World of Hyatt Discoverist status to up to 5 employees
    • Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
    • Access to the Hyatt Leverage program
    • Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
    • 10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
    • Primary rental car insurance
    • Trip cancellation and interruption insurance
    • Purchase protection and extended warranty protection

    Cons

    • $199 annual fee
    • Bonus categories and benefits are very similar to the personal card
    • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
    • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
    • 2 Bonus Points per $1 spent on fitness club and gym memberships
    • 1 Bonus Point per $1 spent on all other purchases.
    • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
    • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
    • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    World of Hyatt

    Hilton Honors Cards

    Best For: Hilton stays

    Hilton Honors American Express CardTerms Apply / Rates & Fees

    Hilton Honors American Express Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

    Learn More(at Amex's secure site)

    Hilton Honors American Express Card

    Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
    Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
    80,000 points
    $400
    $0
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

    Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

    To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

    Pros

    • 7x points per $1 on Hilton stays
    • 5x points per $1 at U.S. restaurants, including takeout and delivery, at U.S. supermarkets, and at U.S. gas stations
    • 3x points per $1 on all other purchases
    • Complimentary Hilton Honors Silver status
    • No annual fee (rates and fees)
    • No foreign transaction fees (rates and fees)

    Cons

    • Not great for those who want multiple redemption options
    • Offers the least benefits of all Hilton cards
    • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
    • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
    • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
    • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
    • No Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Hilton Honors Loyalty Program

    <ul><li><a href="/credit-cards/american-express-hilton-honors-credit-cards/" target="_self" rel="follow" data-wpel-link="internal">Comparing American Express Hilton Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-hilton-loyalists/" target="_self" rel="follow" data-wpel-link="internal">Best Credit Cards for Hilton Honors Loyalists</a></li></ul>
    The Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

    The Hilton Honors American Express Surpass® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and Priority Pass lounge access.

    Learn More(at Amex's secure site)

    The Hilton Honors American Express Surpass® Card

    An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and Priority Pass lounge access.
    Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
    130,000 points
    $650
    $95
    20.74% - 29.74% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status, to airport lounge access, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

    Pros

    • 12x points per $1 at Hilton hotels
    • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
    • 3x points per $1 on all other purchases
    • Complimentary Hilton Honors Gold status
    • No foreign transaction fees

    Cons

    • Annual fee of $95.
    • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
    • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
    • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
    • $95 annual fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.74% - 29.74% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Hilton Honors

    Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees

    Hilton Honors American Express Aspire Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

    Learn More(at Amex's secure site)

    Hilton Honors American Express Aspire Card

    Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
    Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership.
    150,000 points
    $750
    $450
    20.74% - 29.74% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

    The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

    So let’s have a look at what makes the card so valuable to travelers.

    Pros

    • 14x points per $1 on Hilton purchases
    • 7x points per $1 on select travel and at U.S. restaurants
    • 3x points per $1 on all other purchases
    • Complimentary Hilton Diamond status
    • $250 Hilton Resort statement credit
    • $250 airline fee credit
    • 1 Free Weekend Night Award each cardmember anniversary
    • Priority Pass Select membership
    • $100 credit at Waldorf Astoria and Conrad properties

    Cons

    • High annual fee of $450
    • Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
    • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
    • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
    • Enjoy up to $250 in Hilton Resort Credits on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
    • Enjoy complimentary Diamond status.
    • $450 annual fee.

    Financial Snapshot

    • APR: 20.74% - 29.74% Variable
    • Foreign Transaction Fees: None

    Card Categories

    The Hilton Honors American Express Business CardTerms Apply / Rates & Fees

    The Hilton Honors American Express Business Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

    Learn More(at Amex's secure site)

    The Hilton Honors American Express Business Card

    An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
    Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
    130,000 points
    $650
    $95
    20.99% - 29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

    Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

    Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

    Pros

    • 12x points per $1 on Hilton purchases
    • 6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
    • 6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
    • 3x points per $1 on all other purchases
    • Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
    • 10 complimentary Priority Pass visits
    • Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
    • No foreign transaction fees (rates and fees)

    Cons

    • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
    • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
    • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
    • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
    • Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
    • Terms apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Hilton Honors loyalty program

    IHG One Rewards Premier Credit Card

    Best For: IHG stays

    IHG One Rewards Premier Credit Card

    IHG One Rewards Premier Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

    Learn More(at Chase's secure site)

    IHG One Rewards Premier Credit Card

    The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
    Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 months from account opening.
    140,000 points plus up to $100 in IHG® statement credits
    $800
    $99
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

    The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.

    Pros

    • Up to 26x points per $1 on IHG stays
    • 5 points per $1 spent on purchases on travel, at gas stations, and restaurants
    • 3x points per $1 on all other purchases
    • Automatic Platinum Elite status, and the ability to spend your way to Diamond Elite status
    • Free anniversary night certificate
    • Fourth-night free on award stays
    • 20% off when buying IHG Rewards points
    • Up to $50 in United Airlines TravelBank Cash each year
    • Global Entry, TSA PreCheck, or NEXUS fee credit
    • Trip cancellation/interruption insurance
    • Purchase protection
    • No foreign transaction fees
    • Earn a $100 statement credit and 10,000 bonus points after spending $20,000 on the card in a calendar year

    Cons

    • $99 annual fee
    • Does not earn transferable points
    • Earn 140,000 Bonus Points plus up to $100 in IHG® statement credits.
    • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
    • Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts
    • Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
    • Automatic Platinum Elite status as long as you remain a Premier card member
    • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    IHG One Rewards Premier Business Credit Card

    Best For: IHG stays for business owners

    IHG One Rewards Premier Business Credit Card

    IHG One Rewards Premier Business Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

    Learn More(at Chase's secure site)

    IHG One Rewards Premier Business Credit Card

    The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
    Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
    140,000 points
    $700
    $99
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent Credit Recommended (670-850)

    IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.

    In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.

    Pros

    • Up to 26x total points per $1 spent on IHG Hotels and Resorts
    • 5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
    • 3x points per $1 spent on all other purchases
    • Automatic IHG Platinum Elite status, plus the ability to spend your way to Diamond Elite status
    • Fourth night free on award stays
    • Free anniversary night certificate, plus the ability to earn a second free night after spending $40,000 on the card in a calendar year
    • Up to $50 United Airlines TravelBank Cash each year
    • Global Entry, TSA PreCheck, or NEXUS statement credit
    • Trip cancellation/interruption insurance
    • Purchase protection
    • 20% discount on IHG point purchases

    Cons

    • $99 annual fee
    • Does not earn transferable rewards
    • Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
    • Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
    • Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
    • Automatic Platinum Elite status as long as you remain a Premier Business card member
    • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Marriott Bonvoy Boundless® Credit Card

    Best For: Marriott stays

    Marriott Bonvoy Boundless® Credit Card

    Marriott Bonvoy Boundless® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

    Marriott Bonvoy Boundless® Credit Card

    Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
    Earn 3 Free Nights after you spend $3,000 on eligible purchases (each night valued up to 50,000 points) within the first 3 months from account opening.
    Up to 3 Free Nights
    $1,050
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

    Pros

    • Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
    • New benefit to earn big at grocery stores, gas stations, and dining
    • Automatic Silver Elite Status
    • 1 Free Night Award each cardmember anniversary (up to 35,000 points)
    • DoorDash DashPass subscription
    • No foreign transaction fees

    Cons

    • $95 annual fee
    • Marriott Silver status is the lowest status tier
    • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
    • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
    • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
    • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
    • No Foreign Transaction Fees.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Marriott Bonvoy

    Marriott Bonvoy Brilliant® American Express® Card

    Best For: Marriott loyalists

    Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees

    Marriott Bonvoy Brilliant® American Express® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

    Learn More(at Amex's secure site)

    Marriott Bonvoy Brilliant® American Express® Card

    A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
    Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months.
    Two 85K Free Night Awards
    $1,190
    $650
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

    So is the card a worthwhile addition to your wallet?

    Pros

    • 6x points per $1 at hotels participating in Marriott Bonvoy program
    • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
    • 2x points per $1 on all other purchases
    • 25 Elite Night Credits each year
    • Priority Pass Select membership upon enrollment
    • Global Entry or TSA PreCheck application fee statement credit
    • Annual Free Night Award after card renewal
    • Complimentary Platinum Elite status

    Cons

    • Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023.
    • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.
    • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
    • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
    • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
    • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
    • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
    • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
    • Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
    • No Foreign Transaction Fees on international purchases.
    • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
    • $650 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Marriott Bonvoy

    Marriott Bonvoy Business® American Express® Card

    Best For: Small business owner Marriott loyalists

    LIMITED-TIME OFFER
    Marriott Bonvoy Business® American Express® CardTerms Apply / Rates & Fees

    Marriott Bonvoy Business® American Express® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    A great option for business owners who stay in Marriott hotels and want automatic elite status.

    Learn More(at Amex's secure site)

    Marriott Bonvoy Business® American Express® Card

    A great option for business owners who stay in Marriott hotels and want automatic elite status.
    Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
    125,000 points
    $875
    $125
    20.99% - 29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

    Pros

    • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
    • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
    • 2x points per $1 on all other purchases
    • 15 Elite Night Credits
    • 1 Free Night Award each cardmember anniversary (up to 35,000 points)
    • Complimentary Marriott Bonvoy Gold Elite Status
    • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
    • No foreign transaction fees (rates and fees)

    Cons

    • Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
    • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
    • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
    • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
    • 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
    • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
    • Terms apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Marriott Bonvoy

    The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
    The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

    Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    For rates and fees of The Platinum Card® from American Express, click here.
    For rates and fees of the American Express® Gold Card, click here.
    For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
    For rates and fees of the Blue Cash Everyday® from American Express, click here.
    For rates and fees of The Business Platinum Card® from American Express, click here.
    For rates and fees of the American Express® Business Gold Card, click here.
    For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
    For rates and fees of The American Express Blue Business Cash™ Card, click here.
    For rates and fees of the Delta SkyMiles® Gold American Express Card, click here.
    For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
    For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
    For rates and fees of the Hilton Honors American Express Card, click here.
    For rates and fees of The Hilton Honors American Express Business Card, click here.
    For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
    For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.