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RATING
2021

Best Credit Cards for Good or Excellent Credit

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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.

How We Picked These Cards Is a Credit Card for Good or Excellent Credit Right for You?

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

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.

How We Picked These Cards

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.
  • Top-of-the-line benefits: Some premium credit card benefits include travel credits that can knock down annual fees, airport lounge access, free Global Entry or TSA PreCheck, elite hotel statuses, primary auto rental coverage, and more.
  • 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.

Best Pick For...

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.99% – 23.99% (Variable)
  • 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
Why We Picked It

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):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
Key Features
  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free FICO credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) (for transfers made during the first four months)
  • Annual fee: $0
Runners Up6

Wells Fargo Active Cash Card

Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Perks: Free FICO Score 9 credit score; Visa Signature Concierge; Luxury Hotel Collection
  • Shopping and travel protections: Cellular Telephone Protection; Roadside Dispatch; Travel and Emergency Assistance Services
  • Purchase APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
  • Annual fee: $0
View card details

Chase Freedom Unlimited®

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
  • 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
  • Annual fee: $0
View card details

PayPal Cashback Mastercard®

Spending Rewards
  • 2% cash back on all purchases
  • Purchase APR: 22.24%, 26.24% or 29.24% Variable
  • Annual fee: $0
View card details

Capital One Quicksilver Cash Rewards Credit Card

Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • $200 cash bonus for spending $500 within 3 months of account opening
  • Purchase APR: 0% 15 months, then 14.99% - 24.99% Variable
  • Balance transfer APR: 0% for 15 months, then 14.99% - 24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

American Express Cash Magnet® Card

Spending Rewards
  • 1.5% cash back for every eligible purchase
Introductory Bonus
  • $150 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers; ShopRunner membership
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

American Express Cash Magnet® Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Discover it® Miles

Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
  • No foreign transaction fee
  • Annual fee: $0
View card details

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Cash Back Categories

Chase Freedom Flex℠

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% – 24.74%.
  • No annual fee
Rewards

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
Cash Back Categories

Quarter 2021 Categories 2020 Categories
January – March
  • Wholesale Clubs
  • Internet
  • Cable/Phone Services
  • Select Streaming Services
  • Gas Stations
  • Select Streaming Services
  • Internet, Cable, Phone Services
April – June
  • Gas Stations
  • Home Improvement Stores
  • Grocery Stores
  • Fitness Club & Gym Memberships
  • Select Streaming Services
July – September
  • Grocery Stores (excluding Target and Walmart)
  • Select Streaming Services
  • Amazon
  • Whole Foods Market
October – December
  • Walmart
  • PayPal
  • Walmart
  • PayPal

Key Features
  • 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.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • ShopRunner membership: Get free two-day shipping at a wide selection of retailers.
  • Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
  • Boxed rewards: 5% cash back rewards on Boxed Wholesale orders to be used for future purchases
  • Fandango discount: $5 off every two tickets you buy
  • Shopping and travel protections: Cell Phone Insurance, Purchase Protection, Extended Warranty, Trip Cancellation/Trip Interruption Insurance, and more
  • Purchase APR: 0% for 15 months, then 14.99% - 24.74% Variable
  • Annual fee: $0
Runners Up6

Blue Cash Preferred® Card from American Express

Spending Rewards
  • 6% cash back:
    • 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
  • Perks: Amex Offers; $120 Equinox+ credit ($10 per month); ShopRunner membership
  • 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.

View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free FICO credit score; New account and credit inquiry alerts
  • No foreign transaction fee
  • Annual fee: $0
View card details

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Annual fee: $0
2021 Comparison: Chase Freedom Flex℠ vs. Bank of America® Customized Cash Rewards Card
View card details

Chase Freedom Unlimited®

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
  • 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
  • Annual fee: $0
View card details

Capital One Savor Cash Rewards Credit Card

Spending Rewards
  • 8% cash back on tickets at Vivid Seats
  • 4% cash back on:
    • Dining
    • Entertainment
    • Streaming Services
  • 3% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $300 cash bonus for spending $3,000 in the first 3 months
  • Perks: World Elite Mastercard benefits
  • No foreign transaction fee
  • Annual fee: $95
View card details

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on other eligible purchases
Introductory Bonus
  • $200 statement credit for spending $2,000 in the first 6 months.
  • Perks: Amex Offers; ShopRunner membership; Entertainment Access
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

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.

Travel Rewards

Chase Sapphire Preferred® Card

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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 22.99% Variable
  • 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.
Why We Picked It

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.

Key Features
  • 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.
  • No foreign transaction fee
  • Annual fee: $95
Runners Up3

Bank of America® Premium Rewards® Credit Card

Spending Rewards
  • 2X points per dollar for:
    • Travel
    • Dining
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $3,000 in the first 90 days
  • Perks: Preferred Rewards cash back bonus; $100 annual airline fee credit; Global Entry/TSA PreCheck fee credit
  • No foreign transaction fee
  • Annual fee: $95
View card details

Capital One Venture Rewards Credit Card

Spending Rewards
  • 2X miles per dollar on all purchases
Introductory Bonus
  • 60,000 bonus miles for spending $3,000 in the first 3 months
  • Perks: Point transfer; Global Entry/TSA PreCheck fee credit
  • No foreign transaction fee
  • Annual fee: $95
View card details

Citi Premier® Card

Spending Rewards
  • 3X ThankYou points per dollar on:
    • Air travel
    • Hotels
    • Gas stations
    • Supermarkets
    • Restaurants
  • 1X ThankYou point per dollar on all other purchases
Introductory Bonus
  • 80,000 ThankYou points for spending $4,000 in first 3 months (worth $800 in gift cards when redeemed at thankyou.com)
  • Perks: $100 annual hotel credit for booking a stay of $500 or more via thankyou.com; Point transfer
  • No foreign transaction fee
  • Annual fee: $95
View card details
Premium Travel Rewards

Chase Sapphire Reserve®

Our rating:
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  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR16.99% - 23.99% Variable
  • 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
Why We Picked It

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
Key Features
  • 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.
  • Shopping and travel protections: Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more
  • No foreign transaction fee
  • Annual fee: $550
Runners Up3

The Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • 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.

View card details

Citi Prestige® Card

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Perks: Complimentary 4th night stay; Annual $250 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck fee credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

U.S. Bank Altitude Reserve Visa Infinite® Card

Spending Rewards
  • 5X points per dollar spent on:
    • Prepaid hotels booked in the Altitude Rewards Center
    • Car rentals booked in the Altitude Rewards Center
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
    • Restaurants (until 7/1/21)
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership
  • Perks: Annual $325 travel credit; Global Entry fee credit; Limited Priority Pass Select membership
  • No foreign transaction fee
  • Annual fee: $400
View card details
  • Min. credit levelGood
  • Annual Fee$695
  • Purchase APRSee Pay Over Time APR

Rates & Fees

  • 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.
  • $695 annual fee.
  • Terms Apply.
Why We Picked It

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).

Along with the typical Priority Pass Select membership you get with high-end travel cards, you can also relax in a variety of other lounge brands including the coveted Amex Centurion Lounges:

  • Airspace Lounge
  • International American Express Lounge
  • The Centurion Lounge
  • Delta Sky Club
  • Escape Lounge
  • Lufthansa Business
  • Plaza Premium Lounge
  • Priority Pass
Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • 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
Key Features
  • 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.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $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)

Runners Up5

Chase Sapphire Reserve®

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
  • Priority Pass Select membership: Complimentary access for you and two guests; additional guests cost $27 each
  • Perks: $300 annual travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Lyft Pink membership; DoorDash membership and credits; point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
View card details

Citi Prestige® Card

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Priority Pass Select membership: Complimentary access for you and two guests; additional guests cost $32 each
  • Perks: $250 annual travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; point transfer partners
  • No foreign transaction fee
  • Annual fee: $495
View card details

American Express® Green Card

Spending Rewards
  • 3X points per dollar for:
    • Travel
    • Restaurants
  • 1X point per dollar for other eligible purchases
Introductory Bonus
  • 30,000 bonus points for spending $2,000 in the first 3 months
  • $100 annual LoungeBuddy credit: LoungeBuddy provides access to a wide selection of airport lounges
  • Perks: $100 annual CLEAR credit; Point transfer; Amex Offers
  • Annual fee: $150

American Express® Green Card (Rates & Fees)

View card details

Hilton Honors American Express Aspire Card

Spending Rewards
  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort in the Hilton portfolio
  • 7X Hilton Honors points per dollar for:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar on other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Perks: Hilton Honors Diamond status; Annual free Weekend Night Award; Annual $250 Hilton resort statement credit; Annual $250 airline fee statement credit; $100 Hilton on-property credit; Priority Pass Select membership; American Express Concierge
  • 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.

Hilton Honors American Express Aspire Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Marriott Bonvoy Brilliant™ American Express® Card

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar 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 points per dollar 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.

View card details

American Express is a Credit Card Insider advertiser.

Apply Now

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securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR11.74% to 17.99% Variable
  • 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.
Why We Picked It

The PenFed Platinum Rewards Visa Signature® Card kinda comes out of left field, but it’s easy to see that this is an excellent rewards card for gas.

Spending Rewards
  • 5X points per dollar:
    • Gas purchases at the pump
    • Electric vehicle charging stations
  • 3X points per dollar:
    • Supermarkets
    • Restaurants/dining
    • Cable, satellite, and other television/radio/streaming services
  • 1X point per 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.

Key Features
  • 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
  • Balance transfer fee: 3% per transaction
  • No foreign transaction fee
  • Annual fee: $0
Runners Up4

Blue Cash Preferred® Card from American Express

Spending Rewards
  • 6% cash back:
    • 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
  • Perks: Amex Offers; $120 Equinox+ credit ($10 per month); ShopRunner membership
  • 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.

View card details

Hilton Honors American Express Surpass® Card

Spending Rewards
  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar at:
    • U.S. Restaurants
    • U.S. Supermarkets
    • U.S. Gas stations
  • 3X Hilton Honors Bonus points per dollar on other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $2,000 in the first 3 months; 50,000 bonus points for spending a total of $10,000 in the first 6 months
  • Perks: Hilton Honors Silver status; ShopRunner membership; Amex Offers; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95, $0 first year

Hilton Honors American Express Surpass® Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

Enrollment required for select benefits; terms and limitations apply.

View card details

Chase Freedom Flex℠

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
  • Perks: DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 14.99% - 24.74% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free FICO credit score; New account and credit inquiry alerts
  • No foreign transaction fee
  • Annual fee: $0
View card details
Apply Now

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  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $95
  • Purchase APR0% on purchases for 12 months, then 13.99% - 23.99% Variable

Rates & Fees

  • 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.
  • Terms Apply.
Why We Picked It

The Blue Cash Preferred® Card from American Express blows most other cards out of the water when it comes to groceries, and it’s quite good in some other categories too.

Spending Rewards
  • 6% cash back:
    • 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.

Key Features
  • 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.
  • Shopping protections: Return Protection, Extended Warranty, Purchase Protection
  • Travel protections: 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)

Runners Up5

American Express® Gold Card

Spending Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants
    • U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 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.

American Express® Gold Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Hilton Honors American Express Surpass® Card

Spending Rewards
  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar at:
    • U.S. Restaurants
    • U.S. Supermarkets
    • U.S. Gas stations
  • 3X Hilton Honors Bonus points per dollar on other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $2,000 in the first 3 months; 50,000 bonus points for spending a total of $10,000 in the first 6 months
  • Perks: Hilton Honors Gold status; 10 Priority Pass lounge visits; Weekend night reward for spending $15,000
  • No foreign transaction fee
  • Annual fee: $95, $0 first year

Hilton Honors American Express Surpass® Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on other eligible purchases
Introductory Bonus
  • $200 statement credit for spending $2,000 in the first 6 months.
  • Perks: Amex Offers; ShopRunner membership; Entertainment Access
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free FICO credit score; New account and credit inquiry alerts
  • No foreign transaction fee
  • Annual fee: $0
View card details

Chase Freedom Flex℠

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
  • Perks: DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 14.99% - 24.74% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

American Express is a Credit Card Insider advertiser.

  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APRSee Pay Over Time APR

Rates & Fees

  • 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.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Rewards

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)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 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
Key Features
  • $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.

American Express® Gold Card (Rates & Fees)

Runners Up6

U.S. Bank Altitude® Go Visa Signature® Card

Spending Rewards
  • 4X points per dollar at Restaurants
  • 2X points per dollar for:
    • Grocery stores
    • Grocery delivery
    • Streaming services
    • Gas stations
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 90 days
  • Perks: $15 annual streaming credit; Shopping and travel protections
  • Purchase APR: 0%* for 12 billing cycles on purchases*, then 14.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 Billing cycles, then 14.99% - 23.99%* Variable
  • Annual fee: $0*
View card details

Chase Sapphire Reserve®

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
  • Perks: $300 annual travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; One-year Lyft Pink membership; $60 annual DoorDash credit and one-year membership; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $550
View card details

Chase Sapphire Preferred® Card

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
  • Perks: Point transfer; 3-month DoorDash membership; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95
View card details

Citi Prestige® Card

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Perks: Complimentary 4th night stay; Annual $250 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck fee credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

Capital One Savor Cash Rewards Credit Card

Spending Rewards
  • 8% cash back on tickets at Vivid Seats
  • 4% cash back on:
    • Dining
    • Entertainment
    • Streaming Services
  • 3% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $300 cash bonus for spending $3,000 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $95
View card details

Capital One SavorOne Cash Rewards Credit Card

Spending Rewards
  • 8% cash back on tickets at Vivid Seats (through January 2023)
  • 3% cash back for:
    • Dining
    • Grocery stores
    • Streaming Services
    • Entertainment
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash bonus for spending $500 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0
View card details

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Balance Transfers

U.S. Bank Visa® Platinum Card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$0*
  • Purchase APR0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable

Rates & Fees

  • 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.
Why We Picked It

When transferring a balance you typically want the longest possible 0% introductory APR period, and that’s what you’ll get from the U.S. Bank Visa® Platinum Card.

  • 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.

Key Features
  • Purchase APR: 0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable
  • Annual fee: $0*
Runners Up4

Citi® Diamond Preferred® Card

  • Balance Transfer APR: 0% for 21 months, then 13.74% - 23.74% (Variable)
  • Purchase APR: 0% for 12 months, then 13.74% - 23.74% (Variable)
  • Balance transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Citi Simplicity® Card

  • Balance Transfer APR: 0% for 21 months, then 14.74% - 24.74% (Variable)
  • Purchase APR: 0% for 12 months, then 14.74% - 24.74% (Variable)
  • Balance transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Navy Federal Credit Union Platinum Card

  • Purchase and balance transfer APR: 0% for 12 months, 5.99% - 18.00% Variable
  • Balance transfer fee: None
  • Balance transfer limit: $15,000
  • Annual fee: $0
View card details

Citi® Double Cash Card – 18 month BT offer

Spending Rewards
  • 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).
  • Purchase APR: 13.99% – 23.99% (Variable)
  • Annual fee: $0
View card details
  • Min. credit levelGood
  • Annual Fee$595 ($695 if application is received on or after 1/13/2022)
  • Purchase APRSee Pay Over Time APR

Rates & Fees

Why We Picked It

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.

Key Features
  • 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)

Runners Up4

Ink Business Preferred® Credit Card

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
  • Perks: Point transfer; shopping and travel protections
  • No foreign transaction fee
  • Annual fee: 95
View card details

American Express® Business Gold Card

Spending Rewards
  • 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.

View card details

Capital One Spark Miles for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase
Introductory Bonus
  • 50,000 bonus miles for spending $4,500 in the first 3 months
  • Perks: Global Entry/TSA PreCheck fee credit; Mile transfer; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
View card details

Capital One Spark Miles Select for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
  • Perks: Global Entry/TSA PreCheck fee credit; Mile transfer; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0
View card details

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.

Business Rewards

Ink Business Preferred® Credit Card

Our rating:
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  • Min. credit levelExcellent
  • Annual Fee95
  • Purchase APR15.99% - 20.99% Variable
  • 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.
Rewards

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
Key Features
  • 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
  • Point transfer: At a 1:1 rate to a variety of airline and hotel loyalty programs, including British Airways, United, Marriott, and Hyatt
  • Shop through Chase/Chase OffersEarn more points by shopping at participating retailers with the Shop through Chase and Chase Offers marketplaces.
  • Luxury Hotel and Resort Collection: Daily breakfast for two, free WiFi, room upgrades, early check-in, late checkout, and more at eligible hotels
  • Visa Signature Business benefits: Purchase Protection, Cell Phone Protection, Primary Auto Rental Coverage, Roadside Dispatch, and more
  • Employee cards: Get up to 70 employee cards, all for free.
  • No foreign transaction fee
  • Annual fee: 95
Runners Up6

Ink Business Cash® Credit Card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Perks: Shopping and travel protections
  • Annual fee: $0
View card details

Ink Business Unlimited® Credit Card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Perks: Shopping and travel protections
  • Annual fee: $0
View card details

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every eligible purchase, up to $50,000 spent annually
  • 1% cash back for every eligible purchase after that
Introductory Bonus
  • $250 statement credit for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Lowest Hotel Rates Guarantee; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

American Express Blue Business Cash™ Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Capital One Spark Cash Plus

Spark Cash Plus
Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $500 after spending $5,000 in the first 3 months; $500 after spending $50,000 in the first 6 months
  • Free employee cards
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection
  • Travel protections: Rental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • No foreign transaction fee
  • Annual fee: $150
View card details

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Spending Rewards
  • 2% cash back for every purchase
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months
  • Perks: Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
View card details

U.S. Bank Business Leverage® Visa Signature® Card

Spending Rewards
  • 1X point per dollar spent on everything else
Introductory Bonus
  • Extra bonus point per dollar spent on eligible purchases in the first 365 days, up to 100,000 bonus points
  • Perks: Encore Relationship Rewards (earn points for taking card payments); Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: No annual fee for the first year, $95 thereafter.
View card details

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:

What Does It Mean to Have Good or Excellent Credit?

“Good or excellent credit” refers to a certain credit score range:

  • 670 or above, for FICO
  • 700 or above, for VantageScore

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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