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    The 7 Best Joint Credit Cards for Couples [February 2026]

    The 7 Best Joint Credit Cards for Couples [February 2026]

    We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Best Credit Card Strategy for Couples

    Joint credit cards are largely obsolete, with issuers favoring individual applications. Couples typically choose between:

    1. Authorized user strategy: One person applies for a card and adds their partner as an authorized user, which can help build credit and provide shared benefits.
    2. Separate applications: Each person applies for their own card to double welcome offers, but each incurs a separate annual fee.

    Option No. 2 is recommended for maximum rewards. However, if one partner has a weaker credit score, the first option can help them rebuild credit while sharing perks.

    Top Picks (Quick Summary)

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    Card

    Welcome Offer and Annual Fee

    Benefits for Couples

    Blue Cash Preferred® Card from American Express
    Blue Cash Preferred® Card from American Express
    • SPECIAL OFFERAs High As $300 Cash Back. Find Out Your Offer.Blue Cash Preferred® Card from American ExpressYou may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
    • Annual fee of $0 intro annual fee for the first year, then $95 (rates & fees)
    • 6% cash-back at U.S. supermarkets (up to $6,000 per year)
    • 6% cash-back on select U.S. streaming subscriptions
    • 3% cash-back at U.S. gas stations and transit
    American Express® Gold Card
    American Express® Gold Card
    • NEW OFFERAs High As 100,000 Points. Find Out Your Offer.American Express® Gold CardYou may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    • 4x points at restaurants worldwide (up to $50,000 pear year; 1x thereafter)
    • 4x points at U.S. supermarkets (up to $25,000 per year; 1x thereafter)
    • 3x points on flights booked directly with the airline or through AmexTravel.com
    Chase Sapphire Preferred®
    Chase Sapphire Preferred® Card
    • NEW OFFER60,000 75,000 pointsChase Sapphire Preferred® CardEarn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Annual fee of $95 (rates & fees)
    • 5x points on travel purchased through Chase Travel
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel purchases worldwide
    Platinum Card® from American Express
    Platinum Card® from American Express
    • As High As 175,000 Points. Find Out Your Offer.Platinum Card® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. 
    • Annual fee of $895 (rates & fees)
    • 5x points on flights booked directly with airlines or with AmexTravel.com (up to $500,000 per calendar year) and on prepaid hotels booked via AmexTravel.com
    • Exceptional travel benefits, including hotel elite status after enrollment and the best airport lounge access
    Capital One Venture X Rewards Credit Card
    Capital One Venture X Rewards Credit Card
    • 75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
    • Annual fee of $395 (rates & fees)
    • 10x miles on hotels and rental cars booked through Capital One Travel
    • $300 annual travel credit
    • Access to 1,300+ lounges
    Chase Freedom Unlimited®
    Chase Freedom Unlimited®
    • $200Chase Freedom Unlimited®Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Annual fee of $0 (rates & fees)
    • 5% cash-back on travel purchased through Chase Travel
    • 3% cash-back on drugstore purchases and dining at restaurants
    • 1.5% cash-back on all other purchases
    Delta SkyMiles® Gold American Express Card
    Delta SkyMiles® Gold American Express Card
    • LIMITED TIME OFFERUp to 90,000 milesDelta SkyMiles® Gold American Express CardEarn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
    • Annual fee of $0 introductory annual fee for the first year, then $150 (rates & fees)
    • 2x miles on Delta purchases
    • 2x miles at restaurants worldwide
    • 2x miles at U.S. supermarkets
    • $200 Delta Flight Credit after spending $10,000 in a calendar year

    Blue Cash Preferred® Card from American Express (Best for Cash-Back at U.S. Supermarkets, U.S. Gas Stations, and U.S. Streaming Services)

    HIGHEST CASH-BACK
    Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
    Blue Cash Preferred® Card from American Express
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This 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.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

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

    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.
    You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
    As High As $300 Cash Back. Find Out Your Offer.
    As High As $300
    $0 intro annual fee for the first year, then $95.
    19.49%-28.49% Variable,0% on purchases for 12 months
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The 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 U.S. 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 & Cons
    Pros
    • 6% cash-back at U.S. supermarkets (up to $6,000 per year)
    • 6% cash-back on select U.S. streaming subscriptions
    • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
    Cons
      • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
    Read Full Review
    Card Highlights
    • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
    • $0 intro annual fee for the first year, then $95.
    • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
    • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
    • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.49%-28.49% Variable,0% on purchases for 12 months
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
    Rewards Center

    Redeem cash-back through your American Express account

    The Amex Blue Cash Preferred card is American Express’s flagship cash-back credit card. This credit card boasts some of the highest cash-back rewards in the business, designed to help you save big on everyday expenses. To start off, this card earns you a solid welcome bonus offer, and you get up to 6% cash-back:

    • 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases (1% after that) and on certain U.S. streaming subscriptions
    • 3% cash-back at U.S. gas stations and on transit (includes taxis, ride-sharing, parking, tolls, trains, buses, and more)
    • 1% cash-back on other purchases

    What you’ll notice is that this credit card offers amazing cash-back rewards for couples who generally spend most of their money on in-home entertainment (streaming), groceries for eating in (U.S. supermarkets), and commuting (U.S. gas stations and transit). So if you’re a big saver who primarily goes to work, cooks at home, and stays indoors, then this card is a massive boon for you.

    In addition, this credit card gets you fraud protection, secondary car rental loss and damage insurance, and return protection.

    American Express® Gold Card (Best for Earning Travel Points at Restaurants and U.S. Supermarkets)

    NEW OFFER
    American Express® Gold CardTerms Apply / Rates & Fees
    American Express® Gold Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

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

    American Express® Gold Card
    This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
    You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 100,000 Points. Find Out Your Offer.
    Up to $2,200
    $325
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

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

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

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

    Pros & Cons
    Pros
    • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    Read Full Review
    Card Highlights
    • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
    • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
    • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
    • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
    • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
    • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
    • No Foreign Transaction Fees.
    • Annual Fee is $325.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Gold card is our favorite card for couples for its second-to-none points multipliers, an enticing welcome offer, and ongoing perks!

    Even though the welcome offer you could earn is extremely attractive and pays for many years’ worth of annual fees, the most alluring aspect of the Amex Gold card is its ability to earn big rewards from bonus categories:

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

    In addition, upon enrollment, you receive up to $120 per year in dining statement credits (up to $10 per month) valid at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.

    Also, get up to $120 in Uber Cash every year (up to $10 per month) usable on Uber Eats orders or Uber rides in the U.S. when you add your Amex Gold card to your Uber account. You must use an Amex card for the transaction.

    The Amex Gold card gets you access to The Hotel Collection and Amex Offers (upon enrollment).

    This card has no foreign transaction fees and lets you have up to 5 authorized users for no additional annual fee (rates & fees). Keep in mind that, unlike typical cards, the Amex Gold card allows you to carry a balance for certain charges but not all.

    Bottom Line: Whether for planning a date night, doing the weekly grocery shop or booking a flight, the Amex Gold card is one of our favorite cards for couples to use!

    Chase Sapphire Preferred® Card (Best for Earning Chase Ultimate Rewards Points)

    NEW OFFER
    Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
    Chase Sapphire Preferred® Card
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Apply Now(at Chase's secure site)
    Chase Sapphire Preferred® Card
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    60,000 75,000 points
    $1,500
    $95
    19.24% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The 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 & Cons
    Pros
    • 5x points on all travel booked via the Chase Travel portal
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    Read Full Review
    Card Highlights
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC
    Financial Snapshot
    • APR: 19.24% - 27.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    The Chase Sapphire Preferred card is a great card to have in the valuable Ultimate Rewards ecosystem. The way it combines benefits, bonus categories, and earning Ultimate Rewards points is why it’s one of our top picks when it comes to starter travel rewards credit cards.

    You will earn

    • 5x points on travel purchased through the Chase Travel portal
    • 5x points on Lyft purchases (until September 30, 2027)
    • 3x points on dining, online grocery purchases, and select streaming services
    • 2x points on all other travel purchases
    • 1x points on all other purchases

    Additionally, you will earn bonus points equal to 10% of your total purchases made the previous year every year on your card anniversary.

    The Chase Sapphire Preferred card also comes with several useful benefits, including:

    • Primary car rental insurance and travel delay insurance
    • Purchase a hotel stay via Chase Travel and receive an annual $50 statement credit
    • Subscription to DoorDash DashPass

    And you have plenty of options for redeeming your points as well. You can utilize Points Boost to redeem for hotels, airlines, and more through Chase Travel. Another option is transferring your points to one of Chase’s airline and hotel transfer partners, including Hyatt, Marriott, United, Southwest, and more.

    Platinum Card® from American Express (Best for Airport Lounge Access, Premium Perks)

    Platinum Card® from American ExpressTerms Apply / Rates & Fees
    Platinum Card® from American Express
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

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

    Platinum Card® from American Express
    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. 
    As High As 175,000 Points. Find Out Your Offer.
    Up to $3,850
    $895
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

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

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

     

    Pros & Cons
    Pros
      • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
      • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
      • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
      • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash and Uber One, Resy, Saks Fifth Avenue credit, lululemon 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 and Amex International Airline Program
      • Access to Amex transfer partners
      • No foreign transaction fees (rates and fees)

       

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

       

    Read Full Review
    Card Highlights
    • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
    • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
    • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
    • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
    • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
    • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
    • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
    • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
    • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
    • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
    • $895 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

     

    The Amex Platinum card is a legendary card, perhaps most associated with prestige and luxury travel. And that’s exactly what you get with this card. Like the Amex Gold card, the Amex Platinum card allows you to carry a balance for certain charges.

    You get a huge welcome bonus offer and earn 5x Membership Rewards points for flights booked directly with airlines or with AmexTravel.com (up to $500,000 per calendar year) and on prepaid hotels booked with AmexTravel.com.

    Now, let’s get into the immense list of travel and lifestyle benefits:

    • Access to the American Express Global Lounge Collection means 1,550 airport lounges, including Priority Pass lounge access (upon enrollment), 10 visits a year to Delta Sky Club Lounges when flying Delta (plus the ability to unlock unlimited visits), certain Virgin Clubhouses, Plaza Premium Lounges, and the luxurious Amex Centurion Lounges
    • Access to Amex’s Fine Hotels + Resorts and The Hotel Collection
    • Hilton Honors Gold, Marriott Bonvoy Gold Elite, and Leaders Club Sterling status upon enrollment
    • Avis Preferred Club, Hertz Gold Plus Rewards, and National Emerald Club Executive status upon enrollment
    • Amex International Airline Program for flight deals

    Statement credits include an up-to-$200 airline fee credit, up to $600 in prepaid hotel credit on eligible stays (up to $300 semiannually), up to $209 in CLEAR+ credits, a Global Entry or TSA PreCheck application fee credit, up to $400 in Resy credits, up to $100 in Saks Fifth Avenue credits (2 credits of up to $50 semiannually), up to $300 in Equinox credits, up to $155 in Walmart+ credits, up to $300 in lululemon credits, up to $120 in Uber One credits, up to $200 in Oura Ring credits, and up to $300 in digital entertainment credits. These credits are available each year you’re a card member. Some require enrollment.

    Capital One Venture X Rewards Credit Card (Best for Priority Pass Lounges)

    Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
    Capital One Venture X Rewards Credit Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

    Apply Now(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
    Purchases: 19.49% - 28.49% (Variable)
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Excellent
    Why We Like This Card

    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 & Cons
    Pros
    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
    • 2x miles per $1 on all other purchases
    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
    Read Full Review
    Card Highlights
    • 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 and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
    • 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
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    • Top rated mobile app
    Financial Snapshot
    • APR: Purchases: 19.49% - 28.49% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

     

    The Capital One Venture X card is Capital One’s premium rewards credit card, offering you cash-back rewards or luxury travel bookings, depending on your preference!

    Earn up to 10x Capital One miles in the following categories:

    • 10x miles on hotels and rental cars purchased through Capital One Travel
    • 5x miles on flights and vacation rentals purchased through Capital One Travel
    • 2x miles on all other purchases

    This credit card comes with a $300 annual travel credit on bookings made through Capital One Travel, 10,000 bonus miles on your account anniversary every year, access to Capital One Lounges and Priority Pass lounges (after enrollment), Hertz President’s Circle status, an up-to-$120 Global Entry or TSA PreCheck application fee credit, and no foreign transaction fees (rates & fees).

    You get terrific travel coverage, including trip cancellation and interruption protection, lost luggage reimbursement, trip delay reimbursement, and auto rental collision damage waiver.

    Lastly, be sure to make use of the return protection, extended warranty protection, and cell phone protection.

    Chase Freedom Unlimited® (Best for Cash-Back on Dining, Drugstores and Travel With No Annual Fee)

    Chase Freedom Unlimited®Terms Apply / Rates & Fees
    Chase Freedom Unlimited®
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    Apply Now(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 a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The 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.

    Pros & Cons
    Pros
    • 5% back on travel purchased through Chase Travel℠
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    Cons
      • 3% foreign transaction fee
    Read Full Review
    Card Highlights
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, 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 1.5% 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 18.24% - 27.74%.
    • 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, alerts, and more.
    • Member FDIC
    Financial Snapshot
    • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    Another card to consider is the Freedom Unlimited card, which comes with decent benefits for a card with no annual fee. You earn 5% cash-back on travel booked with Chase Travel and 3% back on dining and drugstore purchases.

    You also earn 1.5% cash-back on all other purchases. This can make the Freedom Unlimited card great when you don’t have another card with a category bonus.

    Even better, if you also have a premium Chase card, your cash-back can be converted to valuable Chase Ultimate Rewards points. Since we value Ultimate Rewards points at around 2 cents each, this can give you an even better return on your everyday spending. This is a great strategy to supercharge the value of your credit card spending.

    Delta SkyMiles® Gold American Express Card (Best for Delta Flyers)

    LIMITED TIME OFFER
    Delta SkyMiles® Gold American Express CardTerms Apply / Rates & Fees
    Delta SkyMiles® Gold American Express Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

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

    Delta SkyMiles® Gold American Express Card
    This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.
    Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
    Up to 90,000 miles
    Up to $1,080
    $0 introductory annual fee for the first year, then $150.
    19.49%-28.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    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 & Cons
    Pros
    • $100 Delta Stays Credit: You can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
    • Receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
    • 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.
    Cons
    • Moderate annual fee
    • Earn rate for Delta flights is relatively low compared to other travel cards
    Read Full Review
    Card Highlights
    • Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
    • Enjoy a $0 introductory Annual Fee for the first year, then $150.
    • Delta SkyMiles® Gold American Express 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.
    • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
    • When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
    • Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
    • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
    • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
    • 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. Enjoy international travel without additional fees on purchases made abroad.
    • 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.
    • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.49%-28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Delta SkyMiles Frequent Flyer Program

    The Delta Gold card can be great for frequent Delta flyers. You get a complimentary first checked bag for you and up to 8 travel companions on Delta flights, Zone 5 priority boarding for you and up to 8 travel companions, and 20% off inflight purchases when you use your card.

    You earn 2x miles on Delta purchases, 2x miles at restaurants, 2x miles at U.S. supermarkets, and 1x miles on all other eligible purchases. This can help you boost your SkyMiles balance quite effectively! Even better, as a Delta Gold cardholder, you can redeem award flights using 15% fewer SkyMiles when booking on delta.com or the Fly Delta app.

    Final Thoughts

    All in all, your focus should be on finding the best rewards card for your situation. Follow Amex, Chase, and Capital One’s rewards programs to earn the most valuable currencies.

    Leverage your spending habits (and your partner’s) to rack up points using the right card. But if you’re looking for cash-back, there are options, too.

    The next step is to go ahead and open that shiny new card you’ve been eyeing!

    Upgrade your travel experience

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