Credit Cards For:
- BEST FOR BEGINNER TRAVELERS
- BEST FOR NON-BONUS SPENDING
- BEST PREMIUM TRAVEL CREDIT CARD
- BEST FOR LUXURY BENEFITS
- BEST FOR DINING AT RESTAURANTS
- BEST FOR CITI THANKYOU REWARDS
- BEST FOR FREELANCERS
- BEST FOR ENTERTAINMENT
- BEST FOR U.S. SUPERMARKETS
- BEST FOR TRAVEL REWARDS WITH NO ANNUAL FEE
- BEST FOR SIMPLE CASH BACK
- BEST FOR EVERYDAY BUSINESS SPENDING
- BEST FOR FLEXIBLE CASH BACK
- BEST FOR FLEXIBLE BUSINESS REWARDS
BEST FOR BEGINNER TRAVELERS
Chase Sapphire Preferred® Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR BEGINNER TRAVELERS
Chase Sapphire Preferred® Card
REWARDS RATES
5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
3X 3x on dining.
2X 2x on all other travel purchases, plus more.
INTRO OFFER
60,000 points
120,000 points
INTRO OFFER
$95
INTRO OFFER
670-850
Excellent/Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
[sidebar_author]
Shop
my fashion & home decor store
Xogo-
Looking for Something?
BEST FOR NON-BONUS SPENDING
Capital One Venture Rewards Credit Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR NON-BONUS SPENDING
Capital One Venture Rewards Credit Card
REWARDS RATES
5X 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
2X Earn unlimited 2X miles on every purchase, every day.
INTRO OFFER
75,000 miles
INTRO OFFER
$95
INTRO OFFER
670-850
Excellent, Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
WHERE TO NOW?
be inspired
WHERE TO NOW?
BEST PREMIUM TRAVEL CREDIT CARD
Capital One Venture X Rewards Credit Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST PREMIUM TRAVEL CREDIT CARD
Capital One Venture X Rewards Credit Card
REWARDS RATES
10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X 5X miles on flights booked through Capital One Travel.
2X 2 Miles per dollar on every purchase, every day
INTRO OFFER
75,000 miles
INTRO OFFER
$395
INTRO OFFER
740-850
Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Travel Ideas By City & Region
- My Miami Condos
- Hotel Room Reviews
- AirBnB Reviews
- Airline Reviews
- Credit Cards With Travel Miles
- Couples Getaways
- Honeymoon Ideas
- Senior Travel Ideas
- Overwater Bungalows
- Loo Reviews
- Family Vacation Ideas
- Single Female Travel Ideas
- How To Travel For Free
your ticket to
our branding, design & content management agency
go inside awesome
go inside awesome
BEST FOR LUXURY BENEFITS
The Platinum Card® from American Express
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR LUXURY BENEFITS
The Platinum Card® from American Express
REWARDS RATES
5X 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.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
INTRO OFFER
Earn 80,000 points
INTRO OFFER
$695
INTRO OFFER
670-850
Excellent/Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
my daily dose
FOLLOW MY INSTAMOMENTS
BEST FOR DINING AT RESTAURANTS
The Business Platinum Card® from American Express
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR DINING AT RESTAURANTS
The Business Platinum Card® from American Express
REWARDS RATES
4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
INTRO OFFER
60,000 points
INTRO OFFER
$250
INTRO OFFER
670-850
Excellent/Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required. plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR CITI THANKYOU REWARDS
Citi Premier® Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR CITI THANKYOU REWARDS
Citi Premier® Card
REWARDS RATES
3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1X Earn 1 Point per $1 spent on all other purchases
INTRO OFFER
60,000 points
INTRO OFFER
$95
INTRO OFFER
670-850
Excellent, Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Citi Premier Card is one of the best starter travel rewards cards due to its gracious amount of bonus spend categories. You’ll not only earn triple points on air travel and hotel, but also on restaurants, supermarkets and gas stations — offering plenty of opportunities to earn on your everyday purchases. Best of all, your points are flexible and can transfer to a variety of frequent flyer programs in every airline alliance. Finally, enjoy an annual $100 hotel savings benefit through Citi on single-stay bookings of $500 or more (excluding taxes and fees). Read our full review of the Citi Premier Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST ALL AROUND BUSINESS CARD
The Business Platinum Card® from American Express
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST ALL AROUND BUSINESS CARD
The Business Platinum Card® from American Express
REWARDS RATES
5x Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1x 1X is earned for other purchases. **
1.5x Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1x 1X points for each dollar you spend on eligible purchases.
INTRO OFFER
120,000 points
ANNUAL FEE
$695
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review on The Business Platinum Card from American Express.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR FREELANCERS
Ink Business Unlimited® Credit Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR FREELANCERS
Ink Business Unlimited® Credit Card
REWARDS RATES
1.5% Earn unlimited 1.5% cash back on every purchase made for your businessness.
INTRO OFFER
$900
INTRO OFFER
$0
INTRO OFFER
670-850
Excellent/Good
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Ink Business Unlimited’ s sign-up bonus gives you a generous $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR ENTERTAINMENT
Capital One SavorOne Cash Rewards Credit Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR ENTERTAINMENT
Capital One SavorOne Cash Rewards Credit Card
REWARDS RATES
10XEarn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8XEarn 8% cash back on Capital One Entertainment purchases
5X Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
3X Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1X Earn 1% on all other purchases.
INTRO OFFER
$900
ANNUAL FEE
$0
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One SavorOne Cash Rewards Credit Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR U.S. SUPERMARKETS
Blue Cash Preferred® Card from American Express
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR U.S. SUPERMARKETS
Blue Cash Preferred® Card from American Express
REWARDS RATES
6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6% 6% Cash Back on select U.S. streaming subscriptions
6% 6% Cash Back on select U.S. streaming subscriptions
3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3% 3% Cash Back at U.S. gas stations
1% 1% Cash Back on other purchases
INTRO OFFER
$250
ANNUAL FEE
$0 intro annual fee for the first year, then $95.
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year. Read our full review of the Blue Cash Preferred Card from American Express.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR TRAVEL REWARDS WITH NO ANNUAL FEE
Capital One VentureOne Rewards Credit Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR TRAVEL REWARDS WITH NO ANNUAL FEE
Capital One VentureOne Rewards Credit Card
REWARDS RATES
5x 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
1.25x Earn unlimited 1.25X miles on every purchase, every day.
1X Earn 1% on all other purchases.
INTRO OFFER
40,000 miles
ANNUAL FEE
$0
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25x rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 14 airline or three hotel partners. Read our full review of the Capital One VentureOne Rewards Credit Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR SIMPLE CASH BACK
Citi Custom Cash℠ Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR SIMPLE CASH BACK
Citi Custom Cash℠ Card
REWARDS RATES
5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafterTravel
1% Earn unlimited 1% cash back on all other purchases.
INTRO OFFER
$200
ANNUAL FEE
$0
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Citi Custom Cash is the most flexible cash-back card on the market, allowing you to earn 5% back on your top eligible spend category on up to $500 spent each billing cycle. Read our full review of the Citi Custom Cash.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR EVERYDAY BUSINESS SPENDING
Capital One Spark Miles for Business
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR EVERYDAY BUSINESS SPENDING
Capital One Spark Miles for Business
REWARDS RATES
5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2x Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account.
INTRO OFFER
50,000 miles
ANNUAL FEE
$0 intro for first year; $95 after that
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners. Read our full review of the Capital One Spark Miles for Business.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR FLEXIBLE CASH BACK
Citi Custom Cash℠ Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR FLEXIBLE CASH BACK
Citi Custom Cash℠ Card
REWARDS RATES
5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafterTravel
1% Earn unlimited 1% cash back on all other purchases.
INTRO OFFER
$200
ANNUAL FEE
$0
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Citi Custom Cash is the most flexible cash-back card on the market, allowing you to earn 5% back on your top eligible spend category on up to $500 spent each billing cycle. Read our full review of the Citi Custom Cash.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
BEST FOR FLEXIBLE BUSINESS REWARDS
American Express® Business Gold Card
at American Express’s secure site
Terms & restrictions apply.
See rates & fees
BEST FOR FLEXIBLE BUSINESS REWARDS
American Express® Business Gold Card
REWARDS RATES
4x Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1x 1X is earned for other purchases. **
25x Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
INTRO OFFER
70,000 points
ANNUAL FEE
$295
INTRO OFFER
670-850
Good, Excellent
REWARDS RATES
2 – 5x points
INTRO OFFER
75,000 miles
INTRO OFFER
$95
RECOMMENDED CREDIT
670-850
Excellent/Good
WHY WE CHOSE IT
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
- $400 annual statement credit for eligible U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
- Extended warranty protection
- International Airline Program
- Cruise Privileges Program
PROS
- You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.
- The current sign-up bonus on this card is quite generous. TPG values it at $1,200
- New annual $50 hotel statement credit when booked through Ultimate Rewards
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
CONS
- The card comes with a $95 annual fee
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Best credit cards March 2023
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
| Card | Best for | Welcome Offer/Sign Up Bonus | Earning Rate | Annual Fee |
|---|---|---|---|---|
|
Chase Sapphire Preferred® Card |
Best for beginner travelers |
60,000 points |
5x on travel purchased through Chase Ultimate Rewards® 3x on dining. 2x on all other travel purchases, plus more. |
$95 |
|
Capital One Venture Rewards Credit Card |
Best for non-bonus spending |
75,000 miles |
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 Earn unlimited 2X miles on every purchase, every day. |
$95 |
|
The Platinum Card® from American Express |
Best for luxury benefits |
Earn 80,000 points |
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. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
$695 |
|
Capital One Venture X Rewards Credit Card |
Best for premium travel credit card |
75,000 miles |
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel 5X miles on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day |
$395 |
|
American Express® Gold Card |
Best for dining at restaurants |
60,000 points |
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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. |
$250 |
|
The Business Platinum Card® from American Express |
Best all around business card |
120,000 points |
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year 1X points for each dollar you spend on eligible purchases. |
$695
|
|
Ink Business Preferred® Credit Card |
Best for business travelers |
100,000 points |
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
$95 |
|
Citi Premier® Card |
Best for Citi ThankYou Rewards |
60,000 points |
Earn 3 Points per $1 spent at Restaurants and Supermarkets Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels Earn 1 Point per $1 spent on all other purchases |
$95
|
|
Capital One SavorOne Cash Rewards Credit Card |
Best for entertainment |
$200 |
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% on all other purchases |
$0 |
|
Capital One Spark Miles for Business |
Best for everyday business spending |
50,000 miles |
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. |
$0 intro for first year; $95 after that |
|
Citi Custom Cash℠ Card |
Best for flexible cash back |
$200 |
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases. |
$0 |
|
blue Cash ? Preferred® Card from American Express |
Best for U.S supermarkets |
$250 |
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 on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases |
$0 intro annual fee for the first year, then $95. |
|
American Express® Business Gold Card |
Best for flexible business rewards |
70,000 points |
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. ** Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* |
$295 |
|
Capital One Venture One Rewards Credit Card |
Best for travel rewards with no annual fee |
40,000 miles |
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 Earn unlimited 1.25X miles on every purchase, every day. |
$0 |
|
Capital One Quicksilver Cash Rewards Credit Card |
Best for simple cash back |
$200 |
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 1.5% cash back on every purchase, every day |
$0 |
This page includes information about the Discover it Student Cash Back and Discover it Cash Back that is not currently available on The Points Guy and may be out of date.
Best credit card offers
The Platinum Card® from American Express
Why it’s the best card for welcome bonus: Right now, you’ll earn 80,000 points after you spend $6,000 in the first six months of card membership. However, some cardholders are targeted for an even higher offer through CardMatch (offers subject to change at any time).
Pros: The Amex Platinum is one of the best cards on the market, with unparalleled lounge access, an assortment of travel and shopping credits, elite status with two hotel chains, and much more. If you travel frequently and value a luxury experience on the road, the Amex Platinum is certainly worth the high annual fee.
Cons: If you don’t travel enough to take advantage of the card’s full suite of benefits, you may be better off with a less-expensive card. In addition, you’ll only earn your bonus on certain travel purchases, which makes the card less-than-ideal for everyday spending
Related: Amex Platinum review
Official application link: Amex Platinum
Capital One Venture X Rewards Credit Card
Why it’s the best premium credit card: While most card issuers are raising annual fees, Capital One has its first premium credit card — and for a lower $395 annual fee. There’s a solid sign-up bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
Pros: The Amex Platinum is one of the best cards on the market, with unparalleled lounge access, an assortment of travel and shopping credits, elite status with two hotel chains, and much more. If you travel frequently and value a luxury experience on the road, the Amex Platinum is certainly worth the high annual fee.
Cons: If you don’t travel enough to take advantage of the card’s full suite of benefits, you may be better off with a less-expensive card. In addition, you’ll only earn your bonus on certain travel purchases, which makes the card less-than-ideal for everyday spending
Related: Capital One Venture X review
Related: Capital One Venture X
American Express® Gold Card
Why Why it’s the best card for dining at restaurants: If you eat out or order in on a regular basis, you’ll be hard-pressed to find a more powerful card than the American Express Gold. With 4 points per dollar at restaurants and up to $120 in dining credits each and every calendar year, the Amex Gold is designed specifically to maximize dining purchases and should be in every foodie’s purse or wallet. Plus, cardholders will receive up to $120 in annual U.S. Uber Cash (which can be used for Uber Eats) (in $10 monthly credits) per calendar year. The Gold Card must be added to the Uber app to receive the Uber Cash benefit. Enrollment is required for select benefits.
Pros: The American Express Gold has you covered across the board when it comes to food, whether you’re eating in or dining out. Not only does the card earn 4 points per dollar at dining at restaurants, but you’ll get that same 4 points per dollar at supermarkets in the U.S., up to $25,000 in purchases per calendar year (then 1 point per dollar). On top of that, you’ll also earn 3 points per dollar on all flights purchased directly with airlines or via Amex Travel.
Cons: The only travel bonus category is flights booked directly or through Amex, which makes this a mediocre card to handle travel purchases.
Related: Amex Gold review
Related:Amex Gold
Chase Sapphire Preferred Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Chase Sapphire Preferred Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Capital One Venture Rewards Credit Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Citi Premier® card: Best for Citi ThankYou Rewards
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best business credit card offers
The Business Platinum Card® from American Express
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Ink Business Preferred Credit Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
American Express® Business Gold Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best cash-back credit card offers
Blue Cash Preferred® Card from American Express
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Capital One Quicksilver Cash Rewards Credit Card: Best for cash back
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Capital One SavorOne Cash Rewards Credit Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best business credit card offers
Citi Custom Cash℠ Card: Best for intro APR and balance transfers
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best travel credit card offers
Hilton Honors American Express Surpass® Card: Best low-cost card for Hilton
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Chase Sapphire Reserve
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best 0% APR and balance transfer credit card offers
Citi® Diamond Preferred® Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best no-annual-fee credit card offers
Capital One VentureOne Rewards Credit Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Chase Freedom Unlimited
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best low interest credit card offers
Blue Cash Everyday® Card from American Express
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best low interest credit card offers
OpenSky® Secured Visa® Credit Card
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best student credit card offers
Discover it Student Cash Back
Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.
WhyTPG Staff’s Pick: “The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it’s hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you’re new to points and miles or an expert.” –Madison Blancaflor, Editor
Pros: TThis card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $1,200 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card.
Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits.
Related: hase Sapphire Preferred review
Related:hase Sapphire Preferred
Best secured credit card offers
The information for the Discover it Student Cash Back and Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Research methodology
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Choosing a credit card
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Credit profile
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Earning categories
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Interest and fees
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Annual fee
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Hotel or airline loyalty
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Will you carry a balance?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
How do credit cards work?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Different types of credit cards
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Rewards credit cards
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Cash-back credit cards
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
No-annual-fee credit cards
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Other types
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Credit card FAQs
When is it time to get a new credit card?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
What should you know before applying for a credit card?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
How many credit cards should you get?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
What is a credit card APR, and why should you care?
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Credit card issuers vs. payment networks vs. cobranded
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Different credit card issuers
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Issuers
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Network
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.
Co-brand partner
The card partner is a store, airline, hotel or another brand whose name appears on the card and whose loyalty rewards program is tied to it. For instance, if you have an American Airlines credit card, you earn miles with your purchases. American operates the frequent-flyer program where you would use those miles. A branded card will also often offer other perks such as room upgrades for a hotel card or discounts for a store card.
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.
For rates and fees of the Amex Platinum card,click here.
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Blue Cash Preferred, click here.
For rates and fees of the Blue Cash Everyday, click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Business Gold, click here.
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Blue Cash Preferred, click here.
For rates and fees of the Blue Cash Everyday, click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Business Gold, click here.