The Best Virtual Credit Cards in May 2025
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What Is a Virtual Credit Card and How Does it Work?
A virtual credit card is a temporary, unique card number linked to your main credit card. It lets you make purchases without exposing your actual card number.
You can:
- Use a different number for each merchant
- Set spending limits and expiration dates
- Protect your account from fraud
In short, virtual cards add security and control, especially for online purchases.
Top Virtual Card Picks (Quick Summary)
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Card | Welcome Offer and Annual Fee | Earning Rates |
| Capital One Venture Rewards Credit Card |
| 2x-5x milesCapital One Venture Rewards Credit Card
|
| Capital One Venture X Rewards Credit Card |
| 2x-10x milesCapital One Venture X Rewards Credit Card
|
| Capital One VentureOne Rewards Credit Card |
| 1.25x-5x milesCapital One VentureOne Rewards Credit Card
|
Capital One Venture Rewards Credit Card (Top Pick)
LAST CHANCE
Terms Apply / Rates & Fees
75,000 miles + $250 travel creditGood to Excellent Credit (670-850)
Terms Apply / Rates & Fees
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.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn 75,000 miles once you spend $4,000 within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.
$1,600
$95
Purchases: 19.99% - 29.24% (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 cardapplication.
Why We Like This Card
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 welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros & Cons
Pros
- 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles per $1 on all other purchases
- Up to a $120 Global Entry or TSA PreCheck application fee credit
Cons
- $95 annual fee (rates & fees)
- Limited elite benefits
Card Highlights
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals 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 $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
- APR: Purchases: 19.99% - 29.24% (Variable)
- Foreign Transaction Fees: None
Rewards Center
The Capital One Venture card is the little sibling card of the Capital One Venture X card. With this card, you’ll still be able to create virtual credit cards, maintain simple structures, and get a welcome offer.
You’ll still earn unlimited 2x miles on every purchase, but you’ll also get 5x points on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Enjoy up to $120 application fee credit for Global Entry or TSA PreCheck, solid travel insurance, and no foreign transaction fees (rates & fees).
Capital One Venture X Rewards Credit Card
Terms Apply / Rates & FeesU.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.
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.
$1,350
$395
Purchases: 19.99% - 29.24% (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 cardapplication.
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 (rates & fees)
- 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
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 complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations 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
- 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®
Financial Snapshot
- APR: Purchases: 19.99% - 29.24% (Variable)
- Foreign Transaction Fees: None
Rewards Center
Capital One offers Eno, a credit card assistant, in the form of a browser extension and app tool, to help you shop securely online.
With Eno, you can create virtual credit cards to hide your real credit card number — lock, unlock, or delete your virtual cards anytime and fully control your online shopping security.
Capital One VentureOne Rewards Credit Card
Terms Apply / Rates & FeesU.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 card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
$360
$0
Purchases: 0% intro APR on purchases for 15 months; variable 19.24% - 29.24% thereafter
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 cardapplication.
Why We Like This Card
Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.
In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.
But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?
Pros & Cons
Pros
- No annual fee (rates & fees)
- No foreign transaction fees (rates & fees)
- Ability to use transfer partners
Cons
- Weak earn rate at 1.25x miles per $1 spent on all purchases
- No luxury travel or elite benefits
Card Highlights
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Financial Snapshot
- APR: Purchases: 0% intro APR on purchases for 15 months; variable 19.24% - 29.24% thereafter
- Foreign Transaction Fees: None
Rewards Center
The 3 Best Amex Personal Cards With “Click To Pay”
American Express doesn’t offer true virtual credit cards for personal products. Still, it does partner with Visa, Mastercard, and Discover to support Click to Pay which is a secure checkout option that helps shield your card number.
While some Amex cards get added security through Click to Pay, they don’t offer unique virtual card numbers like Capital One or Citi.
Still, Amex’s top-tier rewards and benefits make the following cards worthwhile in our opinion.
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Card | Welcome Offer and Annual Fee | Earning Rates |
| Blue Cash Preferred® Card from American Express |
| 1%-6% cash-backBlue Cash Preferred® Card from American Express
|
| The Platinum Card® from American Express |
| 1x-5x pointsThe Platinum Card® from American Express
|
| American Express® Gold Card |
| 1x-4x pointsAmerican Express® Gold Card
|
Blue Cash Preferred® Card from American Express
HIGHEST CASH BACK
Terms Apply / Rates & FeesU.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 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.
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 eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
20.24%-29.24% 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 cardapplication.
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)
Card Highlights
- Earn a $250 statement credit after you spend $3,000 in eligible 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 with a fixed fee. 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% 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 20.24% - 29.24%.
- 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 or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- 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: 20.24%-29.24% 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
We’re big fans of the Amex Blue Cash Preferred card because it offers fantastic cash-back rewards fit for frugal families.
When you use Click to Pay, you don’t need to worry about your card information getting compromised online — that makes it easy to get up to 6% cash-back:
- 6% cash-back back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% cash-back on select streaming services
- 3% back at U.S. gas stations and on transit (including rideshares, parking, etc.)
- 1% back on all other purchases
Also, this card has a statement credit welcome offer and an introductory 0% APR promotion.
The Platinum Card® from American Express
BEST LOUNGE ACCESS
Terms Apply / Rates & FeesU.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 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.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
Up to $1,760
$695
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 cardapplication.
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 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
- 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
- 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
Card Highlights
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- 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 through American Express Travel using 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, and The Wall Street Journal. Enrollment required.
- With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $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 your 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.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 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.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.¤
- 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: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
The Amex Platinum card currently offers an enormous welcome offer, the best airport lounge access benefit of any card, excellent travel rewards, and other high-end benefits.
To start, earn according to this list:
- 5x Membership Rewards points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
- 5x Membership Rewards points per $1 spent on prepaid hotels booked with Amex Travel
- 1x Membership Rewards points everywhere else
This card comes with access to the incredible Fine Hotels & Resorts and The Hotel Collection, plus a ton of annual or monthly statement credits from merchants including Uber, Saks Fifth Avenue, and even airline fee credits and prepaid hotel credits on eligible Amex Travel bookings (enrollment required).
Plus, there are no foreign transaction fees (see rates & fees).
American Express® Gold Card
BEST FOR DINING
Terms Apply / Rates & FeesU.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 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.
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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Up to $1,200
$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 cardapplication.
Why We Like This Card
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros & Cons
Pros
- 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
- 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
- 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
- $325 annual fee (rates and fees)
- No lounge access
Card Highlights
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- 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 at 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.
- $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.
- 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: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Gold card is yet another fantastic card that offers Click to Pay. With an attractive welcome offer and the ability to earn up to 4x points, this card is one of our top favorites.
Get up to 4x Membership Rewards points as follows:
- 4x Membership Rewards points per $1 spent at restaurants, including takeout and delivery in the U.S. (up to $50,000 per year)
- 4x Membership Rewards points per $1 spent at U.S. supermarkets (up to $25,000 per year)
- 3x Membership Rewards points on flights booked directly with airlines or on Amex Travel
The Amex Gold card has access to The Hotel Collection, and you won’t be hit with any foreign transaction fees; however, for authorized user fees, there’s no charge for the first 5 additional cards, but it costs $35 for each additional card thereafter (rates & fees).
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.