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    The 8 Best Virtual Credit Cards in March 2024

    We may be compensated when you click on product links, such as credit cards, 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.

    What Is a Virtual Credit Card?

    So what is a virtual credit card and how does it work?

    Simply put, a virtual credit card is a unique credit card number tied to your main credit card account that does not reveal your primary credit card number.

    This allows you to use a different credit card number for each merchant you spend at, prevent fraudsters from getting your primary account details, and set spending limits or expiration dates for each virtual credit card.

    All in all, virtual credit cards provide extra protection for online purchases, as well as the added convenience of managing and limiting spending with each virtual credit card number.

    Top Picks (Quick Summary)

    SCROLL FOR MORE
    CardEarnings, Benefits, Annual Fee
    Citi Premier® Card (Most Popular)
    • Earn 60,000 points after spending $4,000 in purchases within the first 3 months. Plus, for a limited time, earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.
    • 3x ThankYou Points at restaurants, supermarkets, gas stations, air travel, and hotels
    • No foreign transaction fees
    • Annual Fee: $95
    Capital One Venture X Rewards Credit Card 
    • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
    • 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel
    • Up to $300 annual travel credit on bookings via Capital One Travel
    • 10,000 bonus miles every account anniversary
    • Access to Capital One Lounges, Plaza Premium Lounges, and complimentary Priority Pass Select membership
    • Rental car and travel insurance, cell phone insurance
    • No foreign transaction fees (rates & fees)
    • Annual Fee: $395 (rates & fees)
    Capital One VentureOne Rewards Credit Card 
    • Earn 20,000 miles when you spend $500 on purchases in the first 3 months.
    • 5x miles on hotels and rental cars booked through Capital One Travel
    • No foreign transaction fees (rates & fees)
    • Annual Fee: $0 (rates & fees)
    Citi Double Cash® Card
    • Earn $200 cash back after spending $1,500 in the first 6 months.
    • 2% cash-back (1% when you spend and 1% when you pay your bill, earned as ThankYou Points)
    • Annual Fee: $0

    1. Citi Premier Card (Top Pick)

    TOP PICK
    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.

    *The information regarding the Citi Premier card has expired and the card is no longer open to applicants.

    *The information regarding the Citi Premier card has expired and the card is no longer open to applicants.
    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
    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.
    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
    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
    Rewards Center

    Citi ThankYou Rewards

    The Citi Premier card is one of the best credit cards for everyday spending. It helps that Citi offers the ability to create virtual credit cards!

    There’s no monthly fee for virtual credit cards, but you do need to enroll before creating your first virtual credit card. After that, just visit the Citi website and create one whenever you need a virtual credit card.

    Just keep in mind that virtual credit card numbers can’t be used for in-person or in-app purchases.

    In addition to a fantastic welcome offer, expect to earn up to 3x ThankYou Points on your purchases:

    • 3x points per $1 spent on air travel and at restaurants, supermarkets, gas stations, and hotels
    • 1x points per $1 spent on all other purchases

    We value ThankYou Points at 1.6 cents each, but you can certainly get better value by transferring to travel partners for luxury flights!

    Additionally, this card has an annual hotel savings benefit of $100 off a stay of at least $500 when booked through thankyou.com or 800-THANKYOU (once per calendar year).

    Lastly, there are no foreign transaction fees or authorized user fees.

    2. Capital One Venture X Rewards Credit Card

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

    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
    19.99% - 29.99% (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.
    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
    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
    • 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: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

     

    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.

    The Capital One Venture X card is an incredible credit card option — offering a huge welcome offer, excellent rewards, and fantastic benefits, this should be a contender for a slot in your wallet.

    You’ll earn:

    • 10x miles per $1 on hotels and rental cars booked via Capital One Travel
    • 5x miles per $1 on flights booked via Capital One Travel
    • 2x miles per $1 on all other purchases

    To build on that, this card boasts up to $300 annual travel credit on Capital One Travel bookings, 10,000 bonus miles on each account anniversary year, access to airport lounges including Capital One Lounges, Plaza Premium Lounges, and Priority Pass Select lounges, and up to $100 Global Entry/TSA PreCheck credit.

    Throw in complimentary Hertz President’s Circle status, cell phone insurance, up to 4 authorized users for no additional annual fee, and the ability to create virtual credit cards, and you’ve got a winner!

    Lastly, take note of no foreign transaction fees, and high-end travel insurance.

    3. Capital One Venture Rewards Credit Card

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

    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
    19.99% - 29.99% (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.
    Good to Excellent Credit (670-850)

    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
    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • Global Entry or TSA PreCheck application fee credit
    Cons
    • 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®
    • 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 the 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: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

    The Capital One Venture card is the little sibling card of the Capital One Venture X card. With this card, you’ll still get the ability 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 and rental cars booked through Capital One Travel.

    Enjoy up to $100 application fee credit for Global Entry/TSA PreCheck, solid travel insurance, no foreign transaction fees (rates & fees), and no authorized user fees (rates & fees).

    4. Capital One VentureOne Rewards Credit Card

    Capital One VentureOne Rewards Credit CardTerms Apply / Rates & Fees
    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 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.
    20,000 miles
    $360
    $0
    19.99% - 29.99% (Variable),0% intro on purchases for 15 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.
    Good to Excellent (670-850)

    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
    • Weak earn rate at 1.25x miles per $1 spent on all purchases
    • No luxury travel or elite benefits
    • $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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
    Financial Snapshot
    • APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

    The Capital One VentureOne card is the entry-level product that Capital One offers within the Venture family. This card can create virtual credit cards via Eno, which is a huge plus.

    Your welcome offer won’t be as large, but you will earn:

    • 5x miles on hotels and rentals cars booked via Capital One Travel
    • 1.25x miles on all other purchases

    There’s also an introductory 0% APR benefit (rates & fees) you can take advantage of, no foreign transaction fees, the ability to transfer miles to travel partners, and no authorized user fees.

    5. 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)
    Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
    Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
    $200 cash back
    $0
    0% Intro APR for 18 months on balance transfers, then 19.24% - 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.
    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
    • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 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).
    • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
    Financial Snapshot
    • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
    • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
    Rewards Center

    Citi ThankYou Rewards

    The Double Cash card is yet another great example of a Citi card that offers rewards and a virtual credit card number.

    Currently, the Double Cash card has an attractive 0% balance transfer APR, but the real reason to use this card is to earn up to 2% cash-back per dollar spent.

    By itself, the Double Cash card earns 1% back when you buy and 1% back when you pay, totaling 2% cash-back (earned as 2x ThankYou Points).

    But what’s special about the Double Cash card is that if you have a card such as the Citi Premier card, you can combine the ThankYou Points you earn to transfer them to the full suite of Citi’s travel partners. That means that the 2x ThankYou Points you earn could deliver a return on spend of 3.2%!

    This card comes with zero fraud liability, access to Citi Entertainment, and no authorized user fees.

    The 3 Best Amex Personal Cards With Click to Pay

    American Express doesn’t offer true virtual credit cards for personal products, but it partners with Visa, Mastercard, and Discover to offer Click to Pay, an online payment method that effectively shields your credit card number from merchants to simplify and secure the checkout process.

    As such, some Amex cards do enjoy an additional layer of security thanks to Click to Pay, but these cards can’t give you a true virtual credit card number like Capital One and Citi can.

    But since American Express offers such attractive rewards and benefits, you should give these next cards some thought.

    SCROLL FOR MORE
    CardEarnings and BenefitsAnnual Fee
    The Platinum Card® from American Express
    • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
    • The best airport lounge access from any card, including Centurion Lounges
    • 5x points per $1 spent for flights booked directly with airlines or with Amex Travel up to $500,000 per year, and prepaid hotels booked with Amex Travel
    $695 (rates & fees)
    American Express® Gold Card
    • Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
    • 4x Membership Rewards points at restaurants
    • 4x Membership Rewards points at U.S. supermarkets (up to $25,000 per calendar year, then 1x)
    • Access to The Hotel Collection
    $250 (rates & fees)
    Blue Cash Preferred® Card from American Express
    • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
    • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and 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
    • Up to $120 in Equinox+ credits
    $0 intro annual fee for the first year, then $95 (rates & fees)

    1. The Platinum Card® from American Express

    BEST LOUNGE ACCESS
    The Platinum Card® from American ExpressTerms Apply / Rates & Fees
    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 Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Learn More(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.

    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.
    80,000 points
    $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.
    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 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)
    • 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. Apply and select your preferred metal Card design: classic Platinum, 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, and The Wall Street Journal. Enrollment required.
    • 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.
    • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
    • $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. Terms Apply.
    • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
    • 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
    • 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
    Rewards Center

    American Express Membership Rewards

    The Amex Platinum card currently has an enormous welcome offer, the best airport lounge access benefit of any card out there, 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, Equinox, Saks Fifth Avenue, and even airline fee credits and prepaid hotel credits on eligible Amex Travel bookings.

    Plus, there are no foreign transaction fees (see rates & fees).

    2. American Express® Gold Card

    BEST FOR DINING
    American Express® Gold CardTerms Apply / Rates & Fees
    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 best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

    Learn More(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.

    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 with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    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.
    Good to Excellent (670-850)

    The American Express® Gold Card is 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 several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros
    • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    • Earn 60,000 Membership Rewards® points after you spend $6,000 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
    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 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.
    • 4x Membership Rewards points per $1 spent at U.S. supermarkets (up to $25,000 per calendar year)
    • 3x Membership Rewards points on flights booked directly with airlines or on Amex Travel

    Get up to $240 in annual statement credits as follows:

    • $10 per month in Uber Cash towards rides or eats in the U.S. (up to $120 per year)
    • $10 per month in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations upon enrollment (up to $120 per year)

    The Amex Gold card has access to The Hotel Collection, and you won’t be hit with any foreign transaction fees or authorized user fees, either, so the card is packed to the brim with value (see rates & fees).

    3. Blue Cash Preferred® Card from American Express

    HIGHEST CASH BACK
    Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
    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)

    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 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
    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.
    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.)
    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.
    • 3% Cash Back 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.
    • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ 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 can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) 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.
    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.

    For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

    Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

    Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

    The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
    The information regarding the Capital One VentureOne Rewards Credit Card 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.

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