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Having good or excellent credit can open wide the world of credit cards. There are some other factors involved in credit decisions, like income. But if you have good credit (a FICO Score 8 of around 670 or above) and make a decent wage, you can generally expect to find good approval odds and interest rates for all kinds of credit products.
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The information related to The Business Platinum Card® from American Express, Chase Freedom Flex℠, American Express Cash Magnet® Card, Capital One Savor Cash Rewards Credit Card, American Express® Green Card, Hilton Honors American Express Aspire Card, Hilton Honors American Express Surpass® Card, American Express® Business Gold Card, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, American Express Blue Business Cash™ Card, and U.S. Bank Business Leverage® Visa Signature® Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
You should aim for the best if you’ve got great credit; no need to settle for a poor value, especially if you’ll be paying any fees. Depending on the type of card you’re looking for, think about:
High reward rates: Simply enough, the best reward cards offer the most points or cash back, and they typically have valuable signup bonus offers too. Think about your typical shopping habits, and find a rewards program that fits.
Point transfers: Having flexible redemption options can help you get even more out of your rewards; transfers to airline and hotel loyalty programs provide some of the best opportunities.
Low interest rates: In general, with better credit comes lower interest rates. If you’re looking for zero percent APR offers for purchases or balance transfers, even no-fee balance transfers, you shouldn’t have much trouble finding good credit cards.
A reasonable annual fee, and no extra fees: You shouldn’t have to pay an outsized fee to get valuable credit card rewards and benefits (even if you don’t have the best credit). And you definitely shouldn’t have to deal with tomfoolery like initiation fees or standard-mail card replacement fees.
We’ve covered most of the bases below, but if you have good or excellent credit you shouldn’t stop looking until you find the card (or cards) you need. Find more options in our picks for the Best Credit Cards of all kinds.
Is a Credit Card for Good or Excellent Credit Right for You?
If you’ve got good or excellent credit scores, with a FICO Score 8 of around 670 or better, you can freely browse the credit card market, knowing you’ll have a good shot at pretty much everything you see. Approval is never guaranteed, and there are other factors involved in application decisions, but you can rest assured that your credit won’t usually stand in the way.
That’s about it — having a good credit history makes finding that new card relatively easy, because you won’t have to worry about limiting yourself to cards designed for fair credit, bad credit, or no credit. You’ll be more attractive to credit card issuers, and you can focus on the card features you want, rather than what you can hope to qualify for.
When you find something you like, there won’t be much holding you back. Just make sure there isn’t a better offer available, which you can do by browsing our selection of top card credit offers.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion
What card do you use when you’re outside your typical bonus categories?
A smart shopper could pull out the Citi® Double Cash Card – 18 month BT offer, to earn twice as much as you typically would on non-category purchases (normally just 1%). There’s even an intro APR offer for balance transfers, one of the longest around.
Spending Rewards
2% cash back for every purchase (must pay at least the minimum due on time):
Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
3% cash back at:
Restaurants
Drugstores
1.5% cash back on all other purchases
Introductory Bonus
$200 bonus for spending $500 in the first 3 months
DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
The Chase Freedom Flex℠ (Review) has a lot to offer, with a wealth of cash back categories to keep you busy.
Not only do you get a rotating set of 5% categories, a rare and useful feature, there’s also a wide variety of other categories to complement them. All for no annual fee!
Spending Rewards
5% cash back on:
Travel purchased through Chase Ultimate Rewards
Lyft rides (through March 2022)
Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
3% cash back at:
Restaurants
Drugstores
1% cash back on all other purchases
Introductory Bonus
$200 bonus for spending $500 in the first 3 months
DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
Shopping and travel protections: Return Protection, Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
Annual fee: $0 introductory annual fee for the first year, then $95
Enrollment required for select benefits; terms and limitations apply.
Blue Cash Preferred® Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
3% cash back at:
Restaurants
Drugstores
1.5% cash back on all other purchases
Introductory Bonus
$200 bonus for spending $500 in the first 3 months
DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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 new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Regular travelers can feel right at home using the Chase Sapphire Preferred® Card, with solid travel features for a reasonable annual fee.
Spending Rewards
5X Ultimate Rewards points per dollar:
Travel purchased through Chase Ultimate Rewards
Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar:
Dining
Select streaming services
Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
2X Ultimate Rewards points per dollar for other Travel purchases
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
60,000 bonus points after spending $4,000 on purchases in the first 3 months
If you travel more often you’ll probably want something bigger and better, to help you get the most out of your trips — check out the premium travel cards below if that sounds like you.
25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel loyalty programs, like Marriott Bonvoy and United MileagePlus.
DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
$60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Luxury Hotel and Resort Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late checkout, and unique gifts.
Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
The Chase Sapphire Reserve® is one of our favorite cards overall, with great perks that should offset the annual fee pretty easily.
You can find a lot of value in the rewards, travel and airport security credits, Priority Pass Select membership, and hotel/rental car privileges — and those are just some of the highlights of this useful card.
Spending Rewards
10X Ultimate Rewards points per dollar:
Chase Dining through Ultimate Rewards
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
Dining
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
50,000 bonus points after spending $4,000 on purchases in the first 3 months
Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy
$300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
$120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Priority Pass Select membership: Enjoy access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
Elite hotel benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
$60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber Eats Pass; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
If you travel a lot, you know how important it is to take a moment now and then to unwind. The Platinum Card® from American Express (Review) gives you more lounge access than any other card (aside from the business version).
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
$300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
$240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
Point transfer: To a selection of airline and hotel loyalty programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy points per dollar:
U.S. restaurants
Flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar on other eligible purchases
Introductory Bonus
150,000 Bonus points and a bonus Free Night Award for spending $5,000 in the first 3 months. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
New Acquisition Bonus: 15,000 points after $1,500 spend during first 3 months of card open date
Earn 5x points for gas purchases at the pump and electric vehicle charging stations
Earn 3x points for supermarket purchases, restaurants/dining, and cable, satellite and other television/radio/streaming services
Earn 1x point on all other purchases
No annual fee
No foreign transaction fees
No cash advance fee
Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
Digital wallet capable
Purchase variable rate as low as 13.49% APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
Cash Advance APR 17.99%
Rate and offers current as of November 1, 2021 and subject to change.
Cable, satellite, and other television/radio/streaming services
1X pointper dollar on all other purchases
Introductory Bonus
15,000 points for spending $1,500 in the first 3 months
You’ll be hard-pressed to find an unlimited 5X points for gas year-round on other cards. Usually you’ll have a spending limit, or the category will only be available for a few months out of the year.
There are a few other handy features, like other bonus categories and no foreign transaction fee. You’ll need to be a PenFed member to apply, though.
Visa Signature Luxury Hotel Collection: Enjoy a variety of perks, like automatic room upgrades, complimentary in-room WiFi, and more, at more than 900 hotels around the world.
Visa Signature Concierge: Call for non-emergency help whenever you need it, like assistance making dining or travel reservations.
Free FICO credit score: Check your FICO NextGen credit score for free whenever you’d like, based on your Equifax credit report.
Shopping and travel protections: Purchase Security, Roadside Dispatch, Travel Accident Insurance, Travel and Emergency Assistance Services
Balance transfer APR: 0% for 12 months, then 11.74% to 17.99% Variable
Shopping and travel protections: Return Protection, Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
Annual fee: $0 introductory annual fee for the first year, then $95
Enrollment required for select benefits; terms and limitations apply.
Blue Cash Preferred® Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
U.S. supermarkets (up to $6,000 spent annually, then 1%)
Select U.S. streaming services
3% cash back:
U.S. gas stations
Transit
1% cash back on other eligible purchases
Introductory Bonus
$300 statement credit for spending $3,000 in the first 6 months
It is possible to get a better return on your grocery spending than 6%, using some of the runners up below. But in those cases you’ll have to do some work (transferring rewards and redeeming for travel), whereas the Blue Cash Preferred gives you easy cash back with no further effort.
Amex Offers: Find offers for extra cash back at a changing selection of merchants.
$120 Equinox+ Credit: Get up to $10 per month for a stand-alone monthly membership to the Equinox+ app. Will not apply if you purchase the membership through the Equinox app or a third party.
ShopRunner membership:ShopRunner provides free two-day shipping and returns at participating online retailers.
1X Membership Rewards point per dollar for every other eligible purchase
Introductory Bonus
60,000 bonus points for spending $4,000 in the first 6 months
Perks: Up to $120 annual dining credit; Up to $120 in annual Uber Cash; Uber Eats Pass; The Hotel Collection; Amex Offers; ShopRunner membership; Point transfer
No foreign transaction fee
Annual fee: $250
Enrollment required for select benefits; terms and limitations apply.
Rose Gold is back. You can now choose between Gold or Rose Gold.
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
Some cards are made for groceries. Others are made for dining. Still others are made for travel. If you blend all those cards up, you might wind up with the American Express® Gold Card (Review).
You’ll get solid point categories for U.S. supermarkets and dining; there’s another category for flights; and you also get a $120 annual dining credit (up to $10 per month). It’s got a lot to offer; just make sure the annual fee is worth it.
Spending Rewards
4X Membership Rewards points per dollar at:
Restaurants
U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
$120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest, Marriott, and Hyatt
Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more, along with other perks.
Amex Offers: Find discounts and extra point opportunities at a changing selection of merchants (offers are limited; enrollment required).
ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
No foreign transaction fee
Annual fee: $250
Enrollment required for select benefits; terms and limitations apply.
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
No Annual Fee*
Flexibility to choose a payment due date that fits your schedule.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Balance Transfer APR: 0%* intro on BTs for 20 billing cycles on balance transfers*, then 14.49% - 24.49%* Variable
Balance Transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
You’ll get the same intro period for purchases, and there isn’t much else here. But if you want to pay down a large existing balance over time at no interest, you should look no further.
2% cash back for every purchase (must pay at least the minimum due on time):
1% back when you make a purchase
1% back when you pay for that purchase
Balance Transfer APR: 0% for 18 months on Balance Transfers, for transfers completed within 4 months, then 13.99% – 23.99% (Variable)
Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
The Business Platinum Card® from American Express (Review) is a business travel powerhouse, thanks to its unparalleled airport lounge access and hotel benefits. There are also some specific business perks like Dell credits and WeWork access, so explore the card to see if your company can actually use the major features.
Spending Rewards
5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
Construction material and hardware suppliers
Electronic goods retailers and software/cloud system providers
Shipping providers
1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
120,000 bonus points for spending $15,000 within the first 3 months
Take note that you’ll need to book through Amex Travel to earn that nice 5X rate. Some other cards are a bit more flexible with their travel categories, like some of the runners up below and premium travel cards above.
Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
$400 Dell statement credit: Enroll to get up to $400 in annual statement credits for U.S. purchases with Dell: $200 from January through June, and $200 from July through December.
$360 in annual statement credits for Indeed: Up to $90 in statement credits per quarter for all Indeed hiring and recruiting products and services
Up to $150 in annual statement credits for Adobe: Annual credits for select Adobe products, including Adobe Creative Cloud and Acrobat Pro DC
Up to $120 in annual statement credits for wireless services: Up to $10 per month, good for purchases of monthly wireless services made directly from U.S. wireless telephone providers
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
Point transfer: To a selection of airline and hotel partners
No foreign transaction fee
Annual fee: $595 ($695 if application is received on or after 1/13/2022)
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
4X Membership Rewards points per dollar in the two categories with the highest spend per billing cycle (up to $150,000 in combined purchases per year, then 1X):
Airfare purchased directly from airlines
U.S. advertising purchases: online, TV, radio
U.S. providers of computer hardware, software, and cloud solutions
U.S. gas stations
U.S. restaurants
U.S. shipping
2X Membership Rewards points per dollar for eligible purchases from Amex Travel
1X Membership Rewards point per dollar for other eligible purchases
Introductory Bonus
70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
Perks: 25% points back when booking eligible airfare through Amex Travel; The Hotel Collection; Point transfer; Amex Offers
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $295
Enrollment required for select benefits; terms and limitations apply.
American Express® Business Gold Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
The Ink Business Preferred® Credit Card (Review) comes equipped with a great set of reward categories to cover many expenses of the modern small business. There’s a great intro bonus to get you started, and you can transfer the points to Chase Ultimate Rewards airline and hotel partners to use them where and how you see fit.
Spending Rewards
5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
Travel
Shipping
Internet, cable, and phone services
Advertising purchases made with social media sites and search engines
1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
100,000 bonus points for spending $15,000 in the first 3 months after account opening
What Are the Best Credit Cards for Good or Excellent Credit?
With good or excellent credit scores (a FICO score of 670 or higher) you’ll have a relatively easy time qualifying for credit cards. So you should start your search with top-notch reward and travel cards, along with cards for paying off expenses over time, like:
Different credit scoring models use different designations for “fair,” “good,” “excellent,” etc., so you may see some variation depending on where you look. (Want to check your credit scores? Learn how right here.)
Having good or excellent credit doesn’t just mean you may qualify for the best credit cards on the market; you may also qualify for lower interest rates, higher credit limits, and better terms on other loans and financial products, too.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the American Express Cash Magnet® Card, please click here.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
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