Best Rewards Credit Cards
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Credit card rewards come in many forms, and they all exist to provide incentives to use credit rather than cash or a debit card. Here you'll find a selection of the very best reward cards that offer points for purchases, followed by a variety of other cards that serve helpful purposes along with their rewards.
How We Picked These Cards Is a Rewards Card 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 Capital One VentureOne Rewards Credit Card, The Business Platinum Card® from American Express, Amex EveryDay® Credit Card, American Express® Business Gold Card, American Express® Green Card, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, Delta SkyMiles® Reserve Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business™ American Express® Card, The Blue Business® Plus Credit Card from American Express, Amex EveryDay® Preferred Credit Card, Hilton Honors American Express Surpass® Card, IHG® Rewards Club Premier Credit Card, Hilton Honors American Express Aspire Card, and World of Hyatt Credit 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
In the market for a new rewards credit card? Consider these card features and your spending habits before you apply.
- Good opportunities for use: Make sure that you’ll be using the card enough to justify having it. Take your spending habits into consideration — how often will you make purchases eligible for rewards?
- Rewards that fit your lifestyle: Normal, everyday spenders can probably get a lot out of simple cash back cards. But if you’re looking to travel, a travel rewards card that allows point transfers to various airlines or hotels could be perfect for you. And if you have a favorite airline or hotel, check out the available co-branded cards.
- High rewards compared to other cards: Not all reward cards are created equal. Don’t just look for the right card for you: Look for the best card for your situation, with the highest potential reward value compared to other options.
- A strong signup bonus: It’s not the most important feature, but getting $100–$1,000 just for buying things you were already going to buy is icing on the cake. Most intro offers require you to spend at least several hundred dollars in a few months, which can be easy if you use the card fairly frequently, or you can explore alternative spending options.
- Other perks and benefits: There’s more to credit cards than just rewards. Look for cards with valuable extra benefits you can make use of, like travel credits, airport lounge access, and free credit scores.
- A 0% introductory APR: Having a year or so to make interest-free purchases can be very helpful if you’re looking to finance some expensive items, giving you time to pay them back without accruing finance charges.
- A reasonable annual fee: Some rewards cards have annual fees, while others don’t. There’s no reason to avoid a card just because it has an annual fee; in fact, many of the better rewards cards, especially the travel credit cards, have fees. Just make sure that you’ll be getting a positive expected value every year.
- A commitment to responsible credit use: Having a rewards credit card won’t do you much good if you’re swamped with credit card debt and paying interest. Commit to paying off your full statement balance on time each month to avoid interest charges (unless you have a card with a 0% rate).
Is a Rewards Card Right for You?
It’s our opinion that using credit cards is typically more profitable than using cash or debit cards (as long as you use your credit cards responsibly).
A rewards credit card will provide cash back, points, or miles for every purchase you make. This is effectively like getting a small discount on everything you buy, and over time those rewards can really add up.
When it comes to finding a rewards card that suits your lifestyle, the first thing you should do is analyze your spending habits.
Where do you shop the most? Do you buy gas and groceries every month? Do you shop at a wide variety of retailers, or do you tend to stick with major sites like Amazon? Do you have a very high level of spending per month, or are you more frugal?
Travelers have a very wide selection of cards to choose from. They include general-use travel cards, which are good for different kinds of travel spending, and co-branded cards which are made to be used with specific airlines and hotels.
Most people will benefit from using a combination of at least two rewards cards: One or more for common, repeating purchases, like gas, groceries, or travel; and another general-use card for less common purchases that don’t easily fall into categories.
Jump to section
What’s the Best Rewards Credit Card?
General Travel
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 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.
The Chase Sapphire Preferred® Card (Review) is a much-loved travel credit card, popular for its transfer partners and benefits.
There’s a great introductory bonus, and the points you earn can be transferred at a 1:1 rate to a variety of airlines and hotels, giving you the flexibility to redeem with your favorite travel brands.
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The points you earn are typically worth 1 cent each, but you’ll get a 25% point bonus if you redeem for travel through the Ultimate Rewards portal. That would give you 1.25 cents per point.
But the more valuable way to use your points is to transfer them to a partner loyalty program, where they could be worth as much as 2 cents per point or more. That’d give you a cash back equivalent of 4% on travel and dining, and 2% for everything else.
- 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 programs, like Marriott Bonvoy and United MileagePlus.
- $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.
- DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
- 20,000-point referral bonus: Get 20,000 points for every friend you refer who applies for the card and is approved, up to 100,000 bonus points per year.
- Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late check-out, and unique gifts.
- Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase marketplace, and find discounts in Chase Offers.
- Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
- Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental cars so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
American Express® Gold Card
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- 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.
Bank of America® Premium Rewards® Credit Card
- 2X points per dollar for:
- Travel
- Restaurants
- 1.5X points per dollar on everything else
- 50,000 bonus points for spending $3,000 in the first 90 days
- Perks: $100 annual airline fee credit; Global Entry/TSA PreCheck credit; Visa Luxury Hotel Collection; Concierge
- No foreign transaction fee
- Annual fee: $95
American Express® Green Card
- 3X Membership Rewards points per dollar for:
- Travel
- Restaurants
- 1X Membership Rewards point per dollar for all other purchases
- 30,000 bonus points for spending $2,000 in the first 3 months
- Perks: $100 annual CLEAR credit; $100 annual LoungeBuddy credit; Point transfer; Amex Offers
- No foreign transaction fee (Rates & Fees)
- Annual fee: $150
Capital One Venture Rewards Credit Card
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- Perks: Mile transfer; Global Entry/TSA PreCheck fee credit; Visa Signature only: Luxury Hotel Collection, Visa Concierge, shopping discounts
- Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
- No foreign transaction fee
- Annual fee: $95
Citi Premier® Card
- 3X ThankYou points per dollar on:
- Air travel
- Hotels
- Gas stations
- Supermarkets
- Restaurants
- 1X ThankYou point per dollar on all other purchases
- 80,000 ThankYou points for spending $4,000 in first 3 months (worth $800 in gift cards when redeemed at thankyou.com)
- Perks: Point transfer; $100 annual hotel credit
- Purchase and Balance Transfer APR: 15.99% - 23.99% Variable
- No foreign transaction fee
- Annual fee: $95
Flat-Rate Travel Rewards
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
Flat-rate cards offer the same spending reward for every purchase, and the Capital One Venture Rewards Credit Card (Review) offers a hefty welcome bonus to go along with a good deal on general spending.
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Your miles are worth 1 cent each when redeeming for travel purchases, but you can also transfer them to a selection of airline partners where they might be worth more than that.
If you’re getting 1 cent per point, you’d get a cash back equivalent of 2% back on all spending. But if you get a good value by transferring your rewards, like 2 cents per point, you’d be earning the equivalent of 4% cash back on all purchases.
- Mile transfer: Transfer miles to a variety of airline partners, at varying rates.
- Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years
- Luxury Hotel Collection (Visa Signature only): Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
- Visa Concierge (Visa Signature only): Call any time for non-emergency assistance, like help making reservations or finding gifts.
- Shopping discounts (Visa Signature only): Look for offers from select retailers.
- Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
- No foreign transaction fee
- Annual fee: $95
Capital One VentureOne Rewards Credit Card
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- Perks: Mile transfer; Capital One CreditWise
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 14.99% - 24.99% Variable
- No foreign transaction fee
- Annual fee: $0
Discover it® Miles
- 1.5X miles per dollar for every purchase
- Discover Match: Double miles earned during the first year, awarded at the end of the first year
- Purchase APR: See Terms for See Terms, then See Terms
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
Travel Rewards With No Annual Fee
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro on purchases for 12 months, then 14.99% - 24.99% Variable
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 14.99% – 24.99% variable APR after that
The Capital One VentureOne Rewards Credit Card (Review) is the top no annual fee travel card because it offers a decent reward rate for every purchase you make, with the ability to transfer your miles to a variety of airline partners.
It can help you travel for free without putting an extra strain on your wallet, as long as you avoid interest and other fees.
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The miles you earn with this card are typically worth 1 cent each, unless you transfer them to an airline partner where they could be worth more.
If you’re getting the standard 1 cent per point, you’ll be earning a cash back equivalent of 1.25%, which is kind of mediocre.
If you get a good point transfer deal, and get 2 cents per point for example, you’d be getting a cash back equivalent of 2.5% everywhere you spend. That’s a much better deal, of course, so aim for high-value point redemptions through transfers.
- Mile transfer: Transfer miles to a variety of airline and hotel partners, at varying rates.
- Dining, sports, and music event access: Get access to exclusive culinary experiences, sports discounts and VIP packages, and concert tickets/perks.
- Capital One CreditWise: See your VantageScore 3.0 credit score, based on your TransUnion credit report, along with some information from that report.
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 14.99% - 24.99% Variable
- No foreign transaction fee
- Annual fee: $0
Bank of America® Travel Rewards Credit Card
- 3X points per dollar at the Bank of America Travel Center
- 1.5X points per dollar for every other purchase
- 25,000 bonus points for spending $1,000 in the first 90 days after account opening
- Bonus rewards: 10% rewards bonus if you have an active BofA checking or savings account; Preferred Rewards clients can get a 25–75% bonus.
- Purchase APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable
- Balance Transfer APR: 13.99%–23.99% Variable
- No foreign transaction fee
- Annual fee: $0
Wells Fargo Propel American Express® card
- 3X points per dollar on:
- Dining
- Gas
- Travel
- Streaming services
- 1X point per dollar for every other purchase
- 20,000 bonus points for spending $1,000 in the first 3 months
- Purchase and Balance Transfer APR: 0% for 12 months from account opening, then 14.49%-24.99% Variable (for transfers requested within 120 days)
- No foreign transaction fee
- Annual fee: $0
Marriott Bonvoy Bold™ Credit Card
- 3X Marriott Bonvoy Bonus points per dollar at Marriott Bonvoy hotels
- 2X Marriott Bonvoy Bonus points per dollar on Travel
- 1X Marriott Bonvoy Bonus point per dollar on all other purchases
- 30,000 Bonus points for spending $1,000 in the first 3 months
- Perks: 15 Elite Night credits, qualifying you for Silver Elite status; Visa Signature Concierge
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $0
American Airlines AAdvantage MileUp℠ Card
- 2X AAdvantage Miles per dollar on:
- Eligible American Airlines purchases
- Grocery Stores
- 1X AAdvantage Mile per dollar for everything else
- 10,000 AAdvantage bonus miles and a $50 statement credit for spending $500 in the first 3 months
- Perks: 25% in-flight discount
- Purchase and Balance Transfer APR: 15.99% - 24.99% (Variable)
- No foreign transaction fee
- Annual fee: $0
Delta SkyMiles® Blue American Express Card
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- Perks: 20% in-flight discount on Delta flights; Amex Offers; ShopRunner membership
- Shopping and travel protections: Purchase Protection, Extended Warranty, Car Rental Loss and Damage Insurance, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $0
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Blue American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Premium Travel Rewards
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 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
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 60,000 points are worth $900 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
Frequent travelers can get a lot out of the Chase Sapphire Reserve® (Review). Cardholders enjoy an excellent rewards rate on travel and dining, valuable travel benefits that are easy to take advantage of, and diverse travel partners for point transfers.
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Take note that you’ll only begin earning points on travel after you use up the entire $300 travel credit.
Ultimate Rewards points are typically worth 1 cent each, but the Reserve provides a 50% point bonus if you redeem for travel expenses. That makes it easy to get a good value for Chase points, with a cash back equivalent of 4.5% for travel and dining and 1.5% everywhere else.
But the best point values will come from point transfers to partner airlines and hotels. These could yield 2 cents per point or more, depending on the deal you choose, which would give you a cash back equivalent of at least 6% on travel and dining and 2% everywhere else.
Wondering if you should go with the Sapphire Reserve or the less-expensive Chase Sapphire Preferred® Card (Review)? Read our comparison of the Chase Sapphire Reserve vs. Sapphire Preferred.
- Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
- $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.
- Complimentary Priority Pass Select membership: Provides 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.
- Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts.
- 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.
- 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.
- Special Car Rental Privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental.
- Shopping and travel protections: You’ll get Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more.
- Purchase and Balance Transfer APR: 16.99%-23.99% Variable
- No foreign transaction fee
- Annual fee: $550
Citi Prestige® Card
- 5X ThankYou points per dollar on:
- Air travel
- Restaurants
- 3X ThankYou points per dollar on:
- Hotels
- Cruise lines
- 1X ThankYou point per dollar on everything else
- 50,000 ThankYou points for spending $4,000 within 3 months of account opening
- Perks: 4th night free; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Point transfer; $250 travel credit
- Purchase and Balance Transfer APR: 16.99%–23.99% Variable
- No foreign transaction fee
- Annual fee: $495
U.S. Bank Altitude Reserve Visa Infinite® Card
- 3X points per dollar on:
- Travel
- Mobile Wallet purchases
- 1X point per dollar on all other purchases
- 50,000 bonus points for spending $4,500 in the first 90 days of membership
- Perks: $325 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Gogo in-flight WiFi credits; Relais & Châteaux hotel benefits
- Purchase and Balance Transfer APR: 16.24% Variable
- No foreign transaction fee
- Annual fee: $400
Premium Travel Rewards and Airport Lounge Access
- 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.
- 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.
- New! 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 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 available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. 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.
The Platinum Card® from American Express (Review) is the king of travel perks. Not only will its rewards program earn you a high rate for eligible travel expenses, you’ll also get the best airport lounge access available on a card, and a variety of credits that can potentially offset the high annual fee completely.
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Point transfers could provide 2 cents per point or quite a bit more. At those rates you’d be earning a cash back equivalent of 10% or more in the 5X spending categories, which is quite a deal. You’ll also get a 4% cash back equivalent on other eligible purchases from Amex Travel, and 2% for everything else.You’ll want to save up your points until you can get a good point transfer deal, because otherwise your points are only worth a maximum of 1 cent each (and that’s just for eligible flight redemptions). Statement credits will only provide 0.6 cents per point, so definitely avoid using that redemption option.
- 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)
American Express is a Credit Card Insider advertiser.
No Annual Fee
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 12.99%–23.99% Variable.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- Terms Apply.
There aren’t many general-use point cards without annual fees, but the Amex EveryDay® Credit Card (Review) is our pick for number one.
Not only will you get a point bonus for using the card more, you’ll also enjoy a long promotional APR period for purchases.
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This card offers a way to get Amex Membership Rewards points without paying an annual fee. It has a rare feature that rewards you more for spending more often: Make 20 or more purchases in a billing period to get a 20% bonus on the eligible points you earned.
That would give you a total of 2.4X points per dollar at U.S. supermarkets, and 1.2X points everywhere else.
Normal redemptions will get you a maximum of 1 cent per point, but you can do better with point transfers. If you get 2 cents per point through a transfer, for example, you’ll be earning a cash back equivalent of 4.8% at U.S. supermarkets when earning at the 2.4X rate, and 2.4% cash back on all other purchases at the 1.2X rate.
- Amex Offers: Discounts or extra points at specific retailers, like (at the time of publication) Shutterfly.com, Harry’s Razors, Contacts Direct, and many more.
- Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
- Entertainment Access: Exclusive discounts to events, concerts, sporting events, and shows.
- Shopping and travel protections: Like Extended Warranties, Return Protection, Global Assist Hotline, and others.
- Purchase APR: 0% for 15 months, then 12.99%–23.99% Variable
- Annual fee: $0
Wells Fargo Propel American Express® card
- 3X points per dollar on:
- Dining
- Gas
- Travel
- Streaming services
- 1X point per dollar on all other purchases
- 20,000 bonus points for spending $1,000 in the first 3 months
- Purchase and Balance Transfer APR: 0% for 12 months from account opening (for transfers made in the first 60 days), then 14.49%-24.99% Variable
- No foreign transaction fee
- Annual fee: $0
Citi Rewards+® Card
- 2X ThankYou points per dollar on up to $6,000 spent per year at:
- Supermarkets
- Gas stations
- 1X ThankYou point per dollar for all other purchases
- Earn 20,000 bonus points for spending $1,500 in the first 3 months
- Point Round Up: Every purchase will round up to the nearest 10 points.
- 10% Points Back for the first 100,000 ThankYou points redeemed per year.
- Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 4 months), then 13.49% - 23.49% (Variable)
- Annual fee: $0
The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Business Travel Rewards
You can’t beat The Business Platinum Card® from American Express (Review) when it comes to business rewards cards. Amex raised the annual fee recently, but you’ll still have all the same benefits, plus two more that could be very useful for some businesses.
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Amex Membership Rewards points are best used for point transfers to partner airlines and hotels, where the value you get will depend on how you redeem them.
If you get 2 cents per point, a pretty good rate, you’d be earning a cash back equivalent of 10% in the 5X categories, which is quite good. And you’d be earning a 3% cash back equivalent on purchases of $5,000 or more, but you may want to use a different card that earns more rewards for those purchases.
- 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
- $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December
- 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
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
Ink Business Preferred® Credit Card
- 5X Ultimate Rewards points per dollar on Lyft rides
- 3X Ultimate Rewards points per dollar on the first $150,000 spent per year (then 1X) 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
- 100,000 bonus points for spending $15,000 in the first 3 months after account opening
- No foreign transaction fee
- Annual fee: $95
Capital One Spark Miles for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Perks: Point transfer; Global Entry/TSA PreCheck credit
- Purchase and Balance Transfer APR: 20.99% (Variable)
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
Capital One Spark Miles Select for Business
- 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
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- Purchase APR: 0% for 9 months, then 14.49% - 22.49% Variable
- Balance Transfer APR: 14.49% - 22.49% Variable
- No foreign transaction fee
- Annual fee: $0
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
- 3X points per dollar on travel (airline, hotel, car) booked through the Bank of America Travel Center
- 1.5X points per dollar for every other purchase
- 30,000 bonus points for spending $3,000 within 90 days of account opening
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24%
- Balance Transfer APR: 12.24% - 22.24%
- No foreign transaction fee
- Annual fee: $0.00
Delta SkyMiles® Reserve Business American Express Card
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- Perks: Delta Sky Club an Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost; Global Entry/TSA PreCheck fee credit
- 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: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
The Hilton Honors American Express Business Card
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- Perks: Hilton Honors Gold status, and fast track to Diamond; Priority Pass Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year, and a second for spending $60,000; Amex Offers
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $95
Enrollment required for select benefits; terms and limitations apply.
The Hilton Honors American Express Business Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Business™ American Express® Card
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- Perks: Free Night Award after account anniversary, and a second Free Night Award for spending $60,000 in a calendar year; Marriott Bonvoy Silver Elite status, with a fast track to Gold Elite; Free premium in-room WiFi; 15 Elite Night Credits; $100 property credit at The Ritz-Carlton and St. Regis
- Shopping and travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
- No foreign transaction fee
- Annual fee: $125
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Business™ American Express® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
United Club℠ Business Card
- 2X miles per dollar spent on United Airlines purchases
- 1.5X miles per dollar spent on all other purchases
- 100,000 bonus miles for spending $10,000 on purchases in the first 3 months
- Perks: United Club membership; Premier Access travel services; 25% in-flight discount; First and second checked bags free
- Purchase and Balance Transfer APR: 18.24%–25.24% Variable
- No foreign transaction fee
- Annual fee: $450
Brex Daily Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
- Expense management and receipt reconciliation tools
- Point transfer: At a 1:1 rate to select airline loyalty programs
- No foreign transaction fee
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
Brex 30 Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Expense management and receipt reconciliation tools
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
- $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
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.
Varied Business Spending
If you expect your business expenses to change from month to month or you’re never quite sure what they’ll be, the American Express® Business Gold Card (Review) could be the perfect card for you.
It provides 4X points in the two categories (out of six) your business spends the most in each month, letting you earn points at a high rate even with unpredictable spending patterns.
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The value of your Amex Membership Rewards points will depend on how you redeem them. Point transfers can provide the highest rate per point, but you’ll typically need to do a bit of searching to find good deals.
You may get 2 cents per point or more through transfers; at that rate you’d be earning a cash back equivalent of at least 8% in the 4X categories, and 4% in the 2X categories. That’s a solid return on your purchases, and the fact that this card adjusts for your spending as it changes makes it all the better.
- 25% airline bonus: Get 25% of your points back when booking eligible airfare through American Express Travel using Membership Rewards Pay with Points.
- The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
- Point transfer: To a selection of airline and hotel partners
- Amex Offers: Access to extra point offers at a wide variety of merchants
- 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)
The Blue Business® Plus Credit Card from American Express
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- Perks: Amex Offers; Point transfer; Connect to QuickBooks
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Capital One Spark Miles for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Perks: Point transfer; Global Entry/TSA PreCheck credit
- Purchase and Balance Transfer APR: 20.99% (Variable)
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
Capital One Spark Miles Select for Business
- 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
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- Purchase and Balance Transfer APR: 14.49% - 22.49% Variable
- No foreign transaction fee
- Annual fee: $0
Brex Daily Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
- Expense management and receipt reconciliation tools
- Point transfer: At a 1:1 rate to select airline loyalty programs
- No foreign transaction fee
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
Brex 30 Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Expense management and receipt reconciliation tools
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
- $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Dining Out and Groceries
- 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.
If food is your thing, the American Express® Gold Card (Review) might be your card.
You’ll earn points at a high rate at restaurants and U.S. supermarkets, which is rare (you usually only see one of these categories at a time, or one is significantly better than the other). And there are also some cost-saving benefits you can use each year to help offset the annual fee.
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This might not seem like a travel card from the spending rewards, but it has a few benefits that make it suited for that purpose. In particular, the best way to redeem your Amex Membership Rewards points is through point transfers to partner airlines and hotels.
Depending on how you redeem, you can get upwards of 2 cents per point. That would give you a cash back equivalent of 8% at U.S. supermarkets and U.S. restaurants, which is probably the best you’ll currently find on any card.
- $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)
Amex EveryDay® Preferred Credit Card
- 3X Membership Rewards points per dollar spent at U.S. supermarkets; up to $6,000 per year, then 1X
- 2X Membership Rewards points per dollar spent at U.S. gas stations
- 1X Membership Rewards point per dollar everywhere else
- 15,000 points if you spend $1,000 in the first 3 months
- Earn 50% more points on eligible purchases by making 30 or more purchases per billing period
- Purchase APR: 0% for 12 months, then 13.99%–23.99% Variable
- Annual fee: $95
Amex EveryDay® Credit Card
- 2X Membership Rewards points per dollar spent:
- At U.S. supermarkets, on up to $6,000 per year in purchases (then 1X)
- On eligible travel purchases from Amex Travel
- 1X Membership Rewards point per dollar spent on all other purchases
- 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
- Earn 20% more points on eligible purchases by making 20 or more purchases per billing period
- Purchase APR: 0% for 15 months, then 12.99%–23.99% Variable
- Annual fee: $95
Hilton Honors American Express Surpass® Card
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- Perks: Hilton Honors Gold status; Priority Pass Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year; ShopRunner membership
- Shopping and travel protections: Purchase Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $95, $0 first year
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Surpass® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
American Express is a Credit Card Insider advertiser.
Gas
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro APR for 12 months from account opening, then 14.49%-24.99% Variable
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select “Apply Now” to learn more about the product features, terms and conditions
If you’re looking for a solid, no-fee card that earns points on gas, the Wells Fargo Propel American Express® card (Review) might be right for you.
In addition to gas stations you’ll also get a few other useful bonus categories — including streaming services, which is rare — a nice welcome bonus, and a pretty long introductory APR.
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Every point is worth 1 cent when redeemed, so you’ll be earning a 3% cash back equivalent when spending in the 3X categories.
- Entertainment Access: Get access to special offers and ticket presales for events in big U.S. cities.
- Free FICO credit score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
- Cell Phone Protection: Pay your cell phone bill with this card to get coverage against damage and theft, up to $600 with a $25 deductible.
- Shopping and travel protections: Including Purchase Protection, Travel Accident Insurance, Travel Inconvenience Insurance, and more
- Purchase and Balance Transfer APR: 0% intro APR for 12 months from account opening (for transfers made in the first 120 days), then 14.49%-24.99% Variable
- No foreign transaction fee
- Annual fee: $0
PenFed Platinum Rewards Visa Signature® Card
- 5X points per dollar spent on Gas purchases at the pump
- 3X points per dollar spent at Supermarkets
- 1X point per dollar spent everywhere else
- $100 statement credit after spending $1,500 in the first 90 days
- Purchase APR: 11.74% to 17.99% Variable
- Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 11.74% to 17.99% Variable
- No foreign transaction fee
- Annual fee: $0
Amex EveryDay® Preferred Credit Card
- 3X Membership Rewards points per dollar at U.S. supermarkets; up to $6,000 per year, then 1X
- 2X Membership Rewards points per dollar at U.S. gas stations
- 1X Membership Rewards point per dollar everywhere else
- 15,000 points if you spend $1,000 in the first 3 months
- Earn 50% more points on eligible purchases by making 30 or more purchases per billing period.
- Purchase APR: 0% for 12 months, then 13.99%–23.99% Variable
- Annual fee: $95
Citi Premier® Card
- 3X ThankYou points per dollar on:
- Air travel
- Hotels
- Gas stations
- Supermarkets
- Restaurants
- 1X ThankYou point per dollar for all other purchases
- 80,000 ThankYou points for spending $4,000 in first 3 months (worth $800 in gift cards when redeemed at thankyou.com)
- $100 annual hotel credit: Valid when you book a hotel stay of $500 or more through thankyou.com, once per calendar year
- Purchase and Balance Transfer APR: 15.99% - 23.99% Variable
- No foreign transaction fee
- Annual fee: $95
Hilton Honors American Express Surpass® Card
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- Perks: Hilton Honors Gold status; Priority Pass Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year; ShopRunner membership
- Shopping and travel protections: Purchase Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $95, $0 first year
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Surpass® Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Citi Rewards+® Card
- 2X ThankYou points per dollar (on the first $6,000 per year, then 1X) at:
- Supermarkets
- Gas stations
- 1X ThankYou point per dollar for all other purchases
- Earn 20,000 bonus points for spending $1,500 in the first 3 months
- Point Round Up: Every purchase will round up to the nearest 10 points.
- 10% Points Back for the first 100,000 ThankYou points redeemed per year.
- Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 4 months), then 13.49% - 23.49% (Variable)
- Annual fee: $0
Students
- Min. credit levelLimited Credit History
- Annual Fee$0
- Purchase APR0% for 12 months, then 14.99%–22.99% Variable
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
- 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $250 statement credit towards travel purchases
- Use your card to book your trip how and where you want – no blackout dates and restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Now with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 17.24%–25.24% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- Access your FICO® Score, updated monthly, for free from TransUnion
- If you’re a Preferred Rewards client, you can increase that bonus to 25%-75%. Click “Apply Now” to learn more about Preferred Rewards
College students could do worse than the Bank of America Travel Rewards® Credit Card for Students, a solid travel card with no annual fee.
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- Purchase APR: 0% for 12 months, then 14.99%–22.99% Variable
- Balance Transfer APR: 14.99%–22.99% Variable
- No foreign transaction fee
- Annual fee: $0
Introductory Bonus
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 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.
Getting a lot of points fast can be exciting. The Chase Sapphire Preferred® Card (Review) can give you a wealth of Ultimate Rewards points in your first few months, enough for a trip or two (or even three) depending on how you use them.
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Redemptions for travel expenses through Ultimate Rewards will give you 1.25 cents per point. But to get the most of your bonus, transfer your points to a partner airline or hotel you plan to book.
That could give you 2 cents per point or more, leading to a much bigger bang for your buck.
- 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 programs, like Marriott Bonvoy and United MileagePlus.
- $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.
- DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
- 20,000-point referral bonus: Get 20,000 points for every friend you refer who applies for the card and is approved, up to 100,000 bonus points per year.
- Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late check-out, and unique gifts.
- Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase marketplace, and find discounts in Chase Offers.
- Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
- Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental cars so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
Chase Sapphire Reserve®
- 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
- 3X Ultimate Rewards points per dollar on:
- Travel (after the full travel credit is used)
- Dining
- 1X Ultimate Rewards point per dollar on all other purchases
- 60,000 bonus points for spending $4,000 in the first 3 months after account opening
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Perks: $300 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Lyft Pink membership; DoorDash membership; Point transfer; Visa Infinite Concierge
- Purchase and Balance Transfer APR: 16.99%-23.99% Variable
- No foreign transaction fee
- Annual fee: $550
The Platinum Card® from American Express
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- 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.
Capital One Venture Rewards Credit Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Mile transfer; Global Entry/TSA PreCheck fee credit; Visa Signature only: Luxury Hotel Collection, Visa Concierge, shopping discounts
- Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
- No foreign transaction fee
- Annual fee: $95
Hilton Honors American Express Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Hilton Honors Silver status, with a fast track to Gold status; ShopRunner membership; Entertainment Access program
- Shopping and travel protections: Purchase Protection, Extended Warranty, Car Rental Insurance Plan, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $0
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Boundless™ Credit Card
- 17X Marriott Rewards points per dollar at Marriott Bonvoy hotels
- 6X Bonus points per dollar from the card
- 11X Base points per dollar for Marriott Bonvoy Silver Elite status
- 2X Marriott Bonvoy Bonus points on all other purchases
- 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories
- Perks: Annual free night stay; Marriott Bonvoy Silver Elite status; 15 Elite Night credits; Visa Signature Concierge
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
IHG® Rewards Club Premier Credit Card
- 25X points per dollar at IHG hotels:
- 10X points from the IHG credit card
- 15X points for IHG Platinum Elite status
- 2X points per dollar at:
- Gas stations
- Grocery stores
- Restaurants
- 1X point per dollar for all other purchases
- 150,000 bonus points for spending $3,000 in the first 3 months
- Perks: Annual free night stay; IHG Platinum Elite status; Fourth night free on award stays
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $89
Ink Business Preferred® Credit Card
- 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
- 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories
- Perks: Annual free night stay; Marriott Bonvoy Silver Elite status; 15 Elite Night credits; Visa Signature Concierge
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
Airline Miles
- Earn 75,000 Bonus Miles.
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry or TSA PreCheck® fee credit
- Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card.
Airline credit cards typically offer the same kinds of perks: free checked bags, priority boarding, in-flight discounts, and maybe even lounge access.
You’ll get all that with the United Club℠ Infinite Card (Review), plus more. You’ll get quite a few more miles than United flyers who aren’t cardholders, and enjoy access to perks that typically take a lot of flights or spending to earn.
| Spending Rewards |
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| Introductory Bonus |
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- United Club membership: Complimentary membership to the United Club airport lounge, with free access for you and two guests
- Premier Access airport travel services: Includes priority check-in and security screening, and boarding/baggage handling privileges
- Global Entry or TSA PreCheck fee credit: Get a $100 credit for the application fee of Global Entry, or $85 for TSA PreCheck, once every four years.
- Free first and second checked bags: For you and one traveling companion on United flights
- 25% in-flight discount: For purchases like food, beverages, and Wi-Fi on United flights
- Luxury Hotel & Resort Collection: Hotel perks like daily breakfast for two, complimentary WiFi, and room upgrades when available
- World of Hyatt Discoverist status: A 10% point bonus, room upgrades, and other benefits at Hyatt properties
- Hertz Gold Plus Rewards President’s Circle Elite Status: Get a 25% point bonus, upgrades, and exclusive offers at Hertz.
- Complimentary Premier Upgrades on United award flights: MileagePlus Premier members can get award ticket upgrades when available
- Purchase and Balance Transfer APR: 16.49% - 23.49% Variable
- No foreign transaction fee
- Annual fee: $525
Delta SkyMiles® Reserve American Express Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Delta Sky Club and Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, and 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost
- No foreign transaction fee
- Annual fee: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Citi® / AAdvantage® Executive World Elite Mastercard®
- 7X miles per dollar for American Airlines purchases
- 5X miles per dollar or more as an AAdvantage member
- 2X miles per dollar from the card
- 1X mile per dollar spent everywhere else
- 50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening
- Perks: Admirals Club membership; Priority check-in, screening, and boarding privileges; 25% in-flight discount; Global Entry/TSA PreCheck credit
- Purchase and Balance Transfer APR: 15.99% - 24.99% (Variable)
- No foreign transaction fee
- Annual fee: $450
Alaska Airlines Visa Signature® Credit Card
- 3X miles per dollar spent on Alaska Airlines & Virgin America purchases
- 1X mile per dollar spent on all other purchases
- 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
- Perks: Annual Companion Fare; Free checked bag; 20% in-flight discount; 50% off Alaska Lounge day pass
- Purchase and Balance Transfer APR: 15.99%–23.99% Variable
- No foreign transaction fee
- Annual fee: $75
Southwest Rapid Rewards® Priority Credit Card
- 2X points per dollar at:
- Southwest Airlines
- Rapid Rewards hotel and car rental partners
- 1X point per dollar for all other purchases
- 40,000 bonus points for spending $1,000 in the first 3 months; 3X points on dining, including takeout and eligible delivery services, for the first year
- Perks: $75 annual credit; 7,500 anniversary bonus points; 20% in-flight discount; Four upgraded boardings per year
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $149
Hotel Rewards
- Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees.
- $450 Annual Fee.
- Terms Apply.
Looking for a way to upgrade your next trip? A hotel credit card can do just that, by bumping up your member status and providing free nights, among other perks.
The Marriott Bonvoy Brilliant™ American Express® Card (Review) is one of the best, featuring a big boost to the points you’ll earn for every stay, a free night every year after your cardmember anniversary, and solid airport lounge access
| Spending Rewards |
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| Introductory Bonus |
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- $300 annual Marriott Bonvoy hotel credit: Up to $300 in statement credits for eligible purchases
- Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 50,000 points or less.
- Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
- Application fee credit for Global Entry or TSA PreCheck: A statement credit for the application fee of either Global Entry ($100 every five years) or TSA PreCheck ($85 every four-and-a-half years)
- Complimentary Gold Elite hotel status: Includes perks like a 25% bonus on base points, 2 p.m. late checkout, and more
- 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
- $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
- Bonus points for airline transfers: Get 15,000 bonus points for every 60,000 points transferred to airline 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: $450
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)
Hilton Honors American Express Aspire Card
| Spending Rewards |
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| Introductory Bonus |
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- 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.
IHG® Rewards Club Premier Credit Card
- 25X points per dollar at IHG properties
- 10X Bonus points per dollar from the card
- 15X Base points per dollar for IHG Platinum Elite status
- 2X Bonus points per dollar at:
- Gas stations
- Grocery stores
- Restaurants
- 1X Bonus point per dollar for all other purchases
- 150,000 bonus points for spending $3,000 in the first 3 months
- Perks: Annual Free Night Stay; Fourth reward night free; IHG Rewards Club Platinum Elite status
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $89
World of Hyatt Credit Card
- 9X points per dollar on eligible purchases from Hyatt
- 4X points per dollar from the card
- 5X points per dollar for your Hyatt Discoverist status
- 2X points per dollar for:
- Restaurants
- Local transit and commuting
- Flights purchased directly from airlines
- Fitness club and gym memberships
- 1X point per dollar on all other purchases
- 30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months; apply by 9/30/21 to get 2 Tier-Qualifying Night Credits for eligible stays from 8/16/21–12/31/21
- Perks: Discoverist status; Annual free night stay after your anniversary; Visa Signature Concierge
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
American Express is a Credit Card Insider advertiser.
Flat-Rate Cash Back
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer 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.
- 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- 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.
The Citi® Double Cash Card – 18 month BT offer (Review) is your best cash back option if you want a card for all-around, general spending. The rewards are the main attraction, but you’ll also get a nice introductory APR for balance transfers before its variable APR kicks in.
| Spending Rewards |
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The Double Cash is a fairly simple card, but a strong offer nevertheless. A general-use, flat-rate cash back card like this can be paired with a different rewards card that has bonus categories, like the others on this page. You can use that other card whenever you spend in the bonus categories, and pay with the Double Cash for all other purchases.
The rewards you earn here can be converted to ThankYou points, rather than redeemed as typical cash back. ThankYou points can be converted to airline miles for a better value, though your transfer partners will be limited to JetBlue unless you also have the Citi Prestige® Card or Citi Premier® Card.
- 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 credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
- Purchase APR: 13.99% – 23.99% (Variable)
- Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) (for transfers made during the first four months)
Wells Fargo Active Cash Card
| Spending Rewards |
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| Introductory Bonus |
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- 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
PayPal Cashback Mastercard®
| Spending Rewards |
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- Purchase APR: 22.24%, 26.24% or 29.24% Variable
- Annual fee: $0
Chase Freedom Unlimited®
| Spending Rewards |
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| Introductory Bonus |
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- Perks: 3-month DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Fandango discount
- Shopping protections: Purchase Protection, Extended Warranty
- Travel protections: Auto Rental Collision Damage Waiver, Trip Cancellation/Trip Interruption Insurance, Roadside Dispatch, Travel and Emergency Assistance Services
- Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
- Annual fee: $0
Capital One Quicksilver Cash Rewards Credit Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Mastercard Concierge (Mastercard World Elite only); Capital One CreditWise
- Shopping and travel protections: Cell Phone Protection, Price Protection, Extended Warranty, MasterRental Coverage, Master RoadAssist Service
- Purchase APR: 0% for 15 months, then 14.99% - 24.99% Variable
- No foreign transaction fee
- Annual fee: $0
American Express Cash Magnet® Card
| Spending Rewards |
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| Introductory Bonus |
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- 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.
PenFed Power Cash Rewards Visa Signature® Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Free FICO credit score; Fine Wine and Food; Visa Signature Entertainment; Visa Signature Concierge
- Shopping protections: Extended Warranty, Purchase Security
- Travel protections: Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Accident Insurance
- Balance Transfer APR: 0% for 12 months, then 17.99%
- Balance Transfer fee: 3% per transaction
- No foreign transaction fee
- Annual fee: $0
Alliant Cashback Visa® Signature Credit Card
| Spending Rewards |
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HSBC Cash Rewards Mastercard® credit card
| Spending Rewards |
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Citi is a Credit Card Insider advertiser.
Gas
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% on purchases for 15 months, then 13.99% - 23.99% Variable
- Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
- Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- No annual fee.
- Terms Apply.
| Spending Rewards |
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The Blue Cash Everyday® Card from American Express (Review) is one of your best options for cash back on gas, with a solid rate for no annual fee. If you’re willing to pay an annual fee or don’t mind rotating bonus categories, you’ll find some interesting options in the runners up.
The Blue Cash Everyday is a rewarding card for everyday purchases, and if you need a handy card for gas this is a real contender.
American Express offers a host of other features along with the gas category, including Amex Offers, where you can earn extra cash back at all sorts of retailers.
- Amex Offers: Earn extra cash back at a variety of merchants.
- Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
- Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
- 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)
Blue Cash Preferred® Card from American Express
| Spending Rewards |
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| Introductory Bonus |
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- 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.
Discover it® Cash Back
- 5% cash back in rotating categories (usually including gas), up to $1,500 spent per quarter (then 1%; activation required)
- 1% cash back on all other purchases
- Cashback Match: Get double cash back for the first year, provided at the end of the first year
- Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms (for transfers requested in the first 90 days)
- No foreign transaction fee
- Annual fee: $0
Chase Freedom Flex℠
Spending Rewards Introductory Bonus
Citi Custom Cash℠ Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
- 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
- Balance Transfer fee: 5%, $5 minimum
- Annual fee: $0
Costco Anywhere Visa® Card by Citi
- 4% cash back on Gas, including gas at Costco (up to $7,000 per year, then 1%)
- 3% cash back for:
- Restaurants
- Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Purchase and Balance Transfer APR: 15.24% (Variable)
- Annual fee: $0 (Costco membership required)
Sam’s Club® Mastercard®
- 5% cash back on eligible gas, including at Sam’s Club; up to $6,000 per year (then 1%)
- 3% cash back on:
- Dining
- Travel
- 1% cash back on all other purchases
- $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
- Purchase APR: 16.65%–24.65% Variable
- No foreign transaction fee
- Annual fee: $0
Discover it® chrome
- 2% cash back, up to $1,000 spent per quarter (then 1%), at:
- Gas stations
- Restaurants
- 1% cash back on all other purchases
- Cashback Match: Get double cash back for the first year, provided at the end of the first year
- Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
American Express is a Credit Card Insider advertiser.
Groceries
- 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
- Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
- Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
- $0 intro annual fee for the first year, then $95.
- 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.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
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Groceries and gas are common expenses for many people, and it’s convenient to have one card you can use for both. The Blue Cash Preferred® Card from American Express (Review) is an excellent choice to fill that need, with the best cash back rate for U.S. supermarkets you’ll find.
The 6% back you can earn at U.S. supermarkets with this card is the best base rate we’ve seen for that category. You can get better than that (10%) with the Discover it® Cash Back, but only for a few months during the first year with the card.
You’ll be limited to $6,000 in spending per year at that 6% rate, but that’s still $360 in cash back, which is not bad at all. To hit that limit in a year you’d need to spend about $115 on groceries per week.
Purchases at U.S. gas stations will get 3% cash back, with no limit. That’s competitive with most other rewards cards, which don’t usually offer any more than that at gas stations.
- 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)
Blue Cash Everyday® Card from American Express
| Spending Rewards |
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| Introductory Bonus |
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- 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.
Bank of America® Customized Cash Rewards Card
- 3% cash back in your choice of one category every month:
- 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
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
- Annual fee: $0
Discover it® Cash Back
- 5% cash back in rotating categories (usually including groceries and gas), up to $1,500 spent per quarter (then 1%; activation required)
- 1% cash back on all other purchases
- Cashback Match: Get double cash back for the first year, provided at the end of the first year
- Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms (for transfers requested in the first 90 days)
- Annual fee: $0
Chase Freedom Flex℠
- 5% cash back on:
- Lyft rides (through March 2022)
- Travel purchased through Chase Ultimate Rewards
- 5% cash back in rotating reward categories (usually including groceries and gas), up to $1,500 spent per quarter (then 1%)
- 1% cash back on all other purchases
- $200 bonus for spending $500 in the first 3 months
- Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
- Balance Transfer APR: 14.99% - 23.74% Variable
- Annual fee: $0
Citi Custom Cash℠ Card
| Spending Rewards |
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| Introductory Bonus |
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- Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
- 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
- Balance Transfer fee: 5%, $5 minimum
- Annual fee: $0
American Express is a Credit Card Insider advertiser.
Dining at Restaurants
Spending Rewards Introductory Bonus
Going out to eat is a bit more fun when you can hand over a shiny metal credit card. The Capital One Savor Cash Rewards Credit Card (Review) can fit that bill and offers an excellent cash back rate at restaurants, along with some useful bonus categories that complement the foodie aura this card exudes.
If you’re always going out to eat or ordering in, how does saving 4% on all that spending sound? Just don’t fight over who gets to pay the bill.
The Savor’s categories cover dining, entertainment, and grocery shopping. That’s quite a nice variety to have on just one card — if dinner and a movie is your kind of thing, this card would fit quite well. And if you don’t have a better card for groceries, like one of the options above, the Savor will let you get a bit more than the standard 1%.
- Capital One CreditWise: Check your VantageScore 3.0 credit score for free, based on your TransUnion credit report, and see information from that report.
- World Elite Mastercard concierge: Call any time for non-emergency help with making reservations, finding hard-to-find gifts, and more.
- World Elite Mastercard benefits: Including Price Protection, Extended Warranty, MasterRental Insurance, Trip Cancellation/Interruption Insurance, and more
- Purchase and Balance Transfer APR: 15.99% - 24.99% Variable
- No foreign transaction fee
Capital One SavorOne Cash Rewards Credit Card
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- Purchase APR: 0% for 15 months, then 14.99% - 24.99% Variable
- Annual fee: $0
U.S. Bank Cash+™ Visa Signature® Card
- 5% cash back in your choice of two categories per quarter (including Fast food), up to $2,000 per quarter (then 1%)
- 2% cash back in one category of your choice (including Restaurants)
- 1% cash back for every other purchase
- $200 cash bonus for spending $1,000 in the first 120 days after account opening
- Purchase APR: 13.99% - 23.99%* Variable
- Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
- Annual fee: $0*
Bank of America® Customized Cash Rewards Card
- 3% cash back in your choice of one category every month:
- 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
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
- Annual fee: $0
Citi Custom Cash℠ Card
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- Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
- 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
- Balance Transfer fee: 5%, $5 minimum
- Annual fee: $0
Costco Anywhere Visa® Card by Citi
- 4% cash back on gas, including gas at Costco (up to $7,000 per year, then 1%)
- 3% cash back for:
- Restaurants
- Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Purchase and Balance Transfer APR: 15.24% (Variable)
- No foreign transaction fee
- Annual fee: $0 (Costco membership required)
Sam’s Club® Mastercard®
- 5% cash back on eligible gas, including at Sam’s Club; up to $6,000 per year (then 1%)
- 3% cash back on:
- Dining
- Travel
- 1% cash back on all other purchases
- $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
- Purchase APR: 16.65%–24.65% Variable
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Rotating Reward Categories
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Your 5% cash back rotating reward categories will switch every three months. They often include popular expenses like gas, groceries, rideshares like Uber and Lyft, and Amazon.com.
The Discover it® Cash Back (Review) is one of the best cash back credit cards available, thanks in large part to Discover’s unique Cashback Match.
Here are the 5% categories for 2021, along with last year’s for comparison.
| Quarter | 2020 Categories | 2021 Categories |
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| January – March |
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| April – June |
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| July – September |
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| October – December |
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- Free Credit Score: Track your FICO Score 8 over time, based on your TransUnion credit report.
- Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
- Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms (for transfers requested in the first 90 days)
- No foreign transaction fee
Chase Freedom Flex℠
- 5% cash back on:
- Lyft rides (through March 2022)
- Travel purchased through Chase Ultimate Rewards
- 5% cash back in rotating reward categories, up to $1,500 spent per quarter (then 1%)
- 1% cash back on all other purchases
- $200 bonus for spending $500 in the first 3 months
- Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
- Balance Transfer APR: 14.99% - 23.74% Variable
- Annual fee: $0
U.S. Bank Cash+™ Visa Signature® Card
- 5% cash back in your choice of two categories per quarter, up to $2,000 per quarter (then 1%)
- 2% cash back in one category of your choice per quarter
- 1% cash back on all other purchases
- $200 cash bonus for spending $1,000 in the first 120 days after account opening
- Purchase APR: 13.99% - 23.99%* Variable
- Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
- Annual fee: $0*
Choosing Your Own Categories
- Earn up to $550 cash back in the first year.
- $200 bonus after spending $1,000 in eligible net purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
- 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% – 23.99%
- No annual fee*
- Great Offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2020
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So you’ll get two 5% categories and one 2% category, and you can pick each one. You’ll need to sign up for the categories each quarter before you’ll start earning cash back at the 5% or 2% rates.
A fairly unique entry in the U.S. Bank family of credit cards, the U.S. Bank Cash+™ Visa Signature® Card (Review) is one of very few cards that let you choose your own bonus cash back categories. It’s a good deal too, offering quite a bit of cash back and a wide variety of categories to choose from (some of which are rarely seen on credit cards).
You can pick from any two of these:
| 5% Cash Back Categories | ||
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| TV, Internet, Streaming Services | Cell Phone Providers | Department Stores |
| Electronics Stores | Fast Food | Furniture Stores |
| Gyms/Fitness Centers | Ground Transportation | Home Utilities |
| Movie Theaters | Select Clothing Stores | Sporting Goods Stores |
And one of these:
| 2% Cash Back Categories | ||
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| Gas Stations | Grocery Stores | Restaurants |
- Free credit score: See your VantageScore 3.0 based on your TransUnion credit report.
- Visa Signature Concierge: Call for personal assistance with travel bookings, dining reservations, business services, and more.
- Visa Signature Luxury Hotel Collection: Get perks at select hotels like a $25 food and beverage credit and room upgrades when available.
- Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Dispatch
- Purchase APR: 13.99% - 23.99%* Variable
- Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
- No foreign transaction fee
Bank of America® Customized Cash Rewards Card
- 3% cash back in your choice of one category every month:
- Gas
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement/furnishings stores
- 2% cash back at:
- Grocery stores
- Wholesale clubs
- 1% cash back for every other purchase
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
- Annual fee: $0
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- 3% cash back in your choice of one category each month:
- Gas
- Travel
- Office supply stores
- TV/telecom & wireless services
- Computer services
- Business consulting services
- 2% cash back on Dining
- 1% cash back for every other purchase
- $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per year (then 1%)
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
Shopping at Amazon.com
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- $100 Amazon.com Gift Card instantly upon approval
- $0 annual fee
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A lot of people are spending a lot of money at Amazon, and the Amazon Prime Rewards Visa Signature Card (Review) gives you a way to save on every purchase you make from the online superstore.
Frequent Amazon shoppers can use this 5% cash back rate to save a tidy sum. A study from Consumer Intelligence Resource Partners reported that the average Prime member is spending $1,400 per year at Amazon in 2018. If you spent that much you’d get $70 in cash back, enough for a nice gift. The gift card offer is a nice bonus too, and you won’t even need to meet a spending threshold to earn it.
The Prime card is made with metal, an unusual feature to find outside of premium credit cards (there are other metal credit cards with no annual fee, but not many).
To be eligible for this card you’ll need to have an Amazon Prime membership. If you’re not a Prime member you can apply for the Amazon Rewards Visa Signature Card (Review), which is less rewarding (3% back at Amazon) but there’s no fee involved (learn more about Amazon’s other credit cards).
If you don’t think you need Prime, you could always start with the regular Amazon Rewards card. Then, if you ever decide to get a Prime membership, you’ll automatically be upgraded to the Amazon Prime Rewards card. And likewise, if you ever cancel your Prime membership, you’ll be downgraded to the regular Amazon Rewards card.
- Visa Signature Luxury Hotel Collection: Perks at eligible hotels, including complimentary WiFi, room upgrades when available, a $25 food and beverage credit, and more
- Visa Signature Concierge: Call any time for non-emergency assistance.
- Shopping and travel protections: Including Purchase Protection, Extended Warranties, Baggage Delay Insurance, and more
- Purchase and Balance Transfer APR: 14.24% to 22.24% Variable
- No foreign transaction fee
Amazon Rewards Visa Signature Card
- 3% cash back (up to $120,000 spent per year) at:
- Amazon
- Whole Foods
- 2% cash back at:
- Restaurants
- Gas stations
- Drugstores
- 1% cash back on all other purchases
- $50 Amazon.com gift card instantly upon account approval
- Purchase and Balance Transfer APR: 15.74%–23.74% Variable
- Annual fee: $0 (Amazon Prime membership not required)
Amazon.com Store Card
- 5% back at Amazon for Prime members; no reward for non-Prime members
- $10 Amazon.com gift card upon approval
- Special financing options available for large purchases
- Purchase APR: 28.24% Variable
- Annual fee: $0
- Closed-loop card: This card can only be used at Amazon.
Discover it® Cash Back
- 5% cash back in rotating categories (usually including Amazon), up to $1,500 spent per quarter (then 1%; activation required)
- 1% cash back on all other purchases
- Cashback Match: Get double cash back for the first year, provided at the end of the first year
- Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms (for transfers made in the first 90 days)
- No foreign transaction fee
- Annual fee: $0
Bank of America® Customized Cash Rewards Card
- 3% cash back in your choice of one category every month:
- 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
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
- Annual fee: $0
Amazon Business Prime American Express Card
- 5% cash back at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
- $125 Amazon.com gift card upon account approval
- Purchase APR: 15.24%–23.24% Variable
- No foreign transaction fee
- Annual fee: $0
Amazon Business American Express Card
- 3% cash back at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
- $100 Amazon.com gift card upon account approval
- Purchase APR: 15.24%–23.24% Variable
- No foreign transaction fee
- Annual fee: $0
Students
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Student credit cards typically don’t offer the best rewards because they’re designed for people who are new to credit. But the Discover it® Student Cash Back (Review) has an excellent 5% cash back rate in rotating categories, just like the regular Discover it® Cash Back (Review).
Along with that 5% cash back you’ll also get a $20 statement credit award for every year that you get a GPA of 3.0 or higher, a nice little bonus.
The 5% cash back calendar for 2021 is:
| Quarter | 5% Cash Back Categories |
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| 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 |
- Good Grade Reward: Discover will give you a $20 statement credit reward for every year that you get a 3.0 GPA or higher, for up to five years.
- Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
- Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
- New account alerts: Get notified of any new accounts or inquiries on your Experian credit report.
- Purchase APR: See Terms
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
Bank of America Customized Cash Rewards™ Credit Card for Students
- 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 purchases
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
- Annual fee: $0
Capital One SavorOne Student Cash Rewards Credit Card
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- Perks: Capital One Shopping; Concierge service; Free credit scores with CreditWise; Premier Culinary Experiences; Must-See Music Events; Big-Time Sports Events
- Shopping and travel protections: Extended Warranty; Travel Accident Insurance; Travel Assistance Services
- No foreign transaction fee
- Annual fee: $0
Capital One Quicksilver Student Cash Rewards Credit Card
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- Perks: Capital One Shopping; Concierge service; Free credit scores with CreditWise; Premier Culinary Experiences; Must-See Music Events; Big-Time Sports Events
- Shopping and travel protections: Extended Warranty; Travel Accident Insurance; Travel Assistance Services
- No foreign transaction fee
- Annual fee: $0
Discover it® Student chrome
- 2% cash back, up to $1,000 spent per quarter (then 1%), at:
- Gas stations
- Restaurants
- 1% cash back on all other purchases
- Cashback Match: Double all cash back rewards earned in the first year
- Purchase APR: See Terms
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
Journey Student Rewards from Capital One
- 1% cash back on every purchase
- 1.25% cash back when you pay on time
- $60 streaming credit: $5 per month for 12 months on select streaming services, when you pay on time
- Access a higher credit line: You may be automatically considered for a higher credit line after six months.
- Purchase and Balance Transfer APR: 26.99% Variable
- No foreign transaction fee
- Annual fee: $0
Deserve Edu Mastercard
- 1% cash back on all purchases
- One year of Amazon Prime Student for spending $500 in the first 3 billing cycles
- Perks: Potential limited Priority Pass Select membership, insurance and furniture rental rebates
- Purchase APR: 18.74% Variable
- No foreign transaction fee
- Annual fee: $0
Wells Fargo Cash Back College Card
- 3% cash back for the first 6 months, up to $2,500 spent, on:
- Gas stations
- Grocery stores
- Drugstores
- 1% cash back for every other purchase
- Purchase APR: 0% for 6 months, then 12.15%–22.15% Variable
- Balance Transfer APR: 0% for 6 months, for transfers made within 120 days, then 12.15%–22.15% Variable
- Annual fee: $0
Bad Credit
- 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, home improvement/furnishings
- 2% cash back at grocery stores and wholesale clubs
- After you spend $2,500 in the 3% and 2% categories, you’ll earn 1% cash back until the quarter ends
- Security deposit between $300-$4,900 is required to open your account upon approval
- Bank of America will periodically review your account and return your security deposit if you qualify
- 3% foreign transaction fee
- No annual fee
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So not only can you earn cash back, you’ll actually get to choose your own 3% category. That makes the Bank of America® Customized Cash Rewards Secured Card stand out among secured cards, providing cardholders with a way to build credit and earn rewards at the same time.
If you have bad credit (a FICO score of 579 or less) you’ll have trouble qualifying for most credit cards, especially those with rewards programs. You will have some options, however.
Secured credit cards are designed for people with poor or limited credit. They require a refundable security deposit when you apply for them, which will fund the credit limit.
You can use a secured card to improve your credit, building up a history of positive activity and on-time payments. When your credit is good enough you can close the card, get your deposit back, and apply for a better unsecured card.
The Bank of America Cash Rewards Secured is one of the best secured cards available, in our estimation. Secured cards usually have no rewards and few benefits, and sometimes come with high fees. But not only does this card have generally favorable terms, it also comes with a solid cash back program — the kind you might expect to find on an unsecured rewards card.
Bank of America will also review your card account and overall credit every now and then. If you’ve been a responsible credit user, always making on-time payments, they may consider returning your security deposit and allowing you to continue using the card. BofA will be checking your overall credit with the credit bureaus, including how you use other credit cards, not just your usage of this card.
This is a great feature to have, and you won’t find it on every secured card. As long as you continue using it responsibly and maintain good credit habits in general, you can expect to probably get your deposit back eventually and later on work your way up to an unsecured rewards card.
- Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
- Security deposit: $300–$4,900
Discover it® Secured
- 2% cash back on the first $1,000 spent per quarter (then 1%) at:
- Restaurants
- Gas stations
- 1% cash back on all other purchases
- Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
- Free FICO credit score: Keep tabs on your FICO Score 8, based on your TransUnion report, and get tips to improve your credit scores.
- Social Security number alerts: Get notified if your SSN is found on any of thousands of risky dark web sites.
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
- Security deposit: $200–$2,500
Fair or Average Credit
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
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It’s pretty simple, but not bad for a flat-rate card — especially one made for fair or average credit. You’ll get the same amount of cash back wherever you shop, with no limit, and with no worrying about bonus categories.
If you don’t have good credit, you may not be approved for some of the cards on this page. But the Capital One QuicksilverOne Cash Rewards Credit Card (Review) is one of the few rewards credit cards that are designed specifically for fair or average credit (a FICO credit score of around 580–669).
Use this card responsibly, always paying your credit card bills on time. We recommend paying your entire statement balance each billing period, to help your credit utilization. It will also help you stave off credit card debt because you won’t accrue interest charges on purchases with this strategy.
- Access a higher credit line: You may be automatically considered for a higher credit line after six months.
- CreditWise: Use the CreditWise tool to monitor your TransUnion credit report, and your VantageScore 3.0 based on that report.
- Purchase and Balance Transfer APR: 26.99% Variable
- No foreign transaction fee
Petal® 2 Cash Back, No Fees Visa® Card
- 1% cash back for every purchase initially
- 1.25% cash back on purchases after 6 on-time payments
- 1.5% cash back on purchases after 12 on-time payments
- Petal Offers: Get 2% – 10% cash back from select merchants, with no activation necessary.
- Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
- Free credit score: Check your VantageScore 3.0 credit score from your Experian credit report, whenever you’d like.
- Purchase APR: 12.99 - 26.99% Variable
- No foreign transaction fee
- Annual fee: $0
Journey Student Rewards from Capital One
- 1% cash back for every purchase
- 1.25% cash back if you pay on time
- $60 streaming credit: $5 per month for 12 months on select streaming services, when you pay on time
- Access a higher credit line: You may be automatically considered for a higher credit line after six months
- Purchase and Balance Transfer APR: 26.99% Variable
- No foreign transaction fee
- Annual fee: $0
Capital One Spark Classic for Business
- 1% cash back on all purchases
- Purchase and Balance Transfer APR: 24.49% Variable
- No foreign transaction fee
- Annual fee: $0
Limited or No Credit
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% – 10% cash back at select merchants
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you’re pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
The Petal® 2 Cash Back, No Fees Visa® Card (Review) is one of very few cards designed for limited credit that also provides some cash back. And it’s not just 1%, either; you can earn up to 1.5% simply by paying on time.
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With limited or no credit it can be hard to get approved for that first credit card, but Petal gives you a way in. Petal will look at your “full financial picture” to determine your creditworthiness, which includes connecting to your bank account to check your transaction activity. If you do have some credit established, Petal will check it and may not need to connect to your bank account.
- Petal Offers: Get 2% – 10% cash back from select merchants, with no activation necessary.
- Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
- Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
- Purchase APR: 12.99 - 26.99% Variable
- Credit limit: $500–$10,000
- No foreign transaction fee
- Annual fee: $0
Petal® 1 No Annual Fee Visa® Card
- Petal’s cash flow technology: Looks at bank account records to help you qualify
- Petal Offers: Get 2% – 10% back from select merchants, with no activation necessary.
- Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
- Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
- Purchase APR: 19.99%–29.49% Variable
- Credit limit: $500–$10,000
- No foreign transaction fee
- Annual fee: $0
- Issued by WebBank, Member FDIC
Jasper Cash Back Mastercard®
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- Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
- No foreign transaction fee
- Annual fee: $0
Business Flat-Rate Cash Back
- Min. credit levelExcellent
- Annual Fee$0 intro for first year; $95 after that
- Purchase APR20.99% (Variable)
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
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Looking for an easy way to earn some rewards for your business spending? Look no further.
The Capital One Spark Cash for Business (Review) offers a simple, flat reward rate, with no worrying about which card to use for which purchases.
There’s no limit to the cash back you can earn, making this a good choice for businesses that spend a lot. Consider pairing this card with other business credit cards that do have bonus categories, and which typically come with spending limits; you can use those other cards when spending in their categories, and the Spark Cash for everything else.
- Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection
- Travel protections: Rental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
- Purchase and Balance Transfer APR: 20.99% (Variable)
- No foreign transaction fee
American Express Blue Business Cash™ Card
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- 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.
Capital One Spark Cash Select – $500 Cash Bonus
- 1.5% cash back for all purchases
- $500 cash bonus for spending $4,500 in the first 3 months after account opening
- Purchase APR: 13.24% - 19.24% (Variable)
- Balance Transfer APR: 13.24% - 19.24% (Variable)
- No foreign transaction fee
- Annual fee: $0
Ink Business Unlimited® Credit Card
- 1.5% cash back for all purchases
- $750 cash bonus for spending $7,500 in the first 3 months after account opening
- Purchase APR:0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Balance Transfer APR: 13.24% - 19.24% Variable
- Annual fee: $0
Discover it® Business Card
- 1.5% cash back for all purchases
- Cashback Match: Get double the cash back in your first year (awarded after your first year)
- Purchase APR: See Terms for See Terms, then See Terms
- Balance Transfer APR: See Terms
- No foreign transaction fee
- Annual fee: $0
Capital One Spark Classic for Business
- 1% cash back on all purchases
- Purchase and Balance Transfer APR: 24.49% Variable
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Business Bonus Categories
- Min. credit levelExcellent
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
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A variety of useful business categories makes the Ink Business Cash® Credit Card (Review) handy for businesses with typical office and local travel expenses.
Business owners have a nice variety of credit cards to choose from, and some — like this one — can be quite valuable.
Your 5% and 2% cash back categories have some spending limits (except for Lyft), so this card might not be suitable for bigger companies. Or you could always pair the Ink Business Cash with other business cards (like the runners up, or flat-rate cards below) and split up your spending.
- Chase Offers and Shop through Chase: Earn extra cash back with Shop through Chase or find discounts with Chase Offers.
- Free employee cards
- Shopping and travel protections: Including Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
- Purchase APR: 0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Balance Transfer APR: 13.24% - 19.24% Variable
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- 3% cash back in your choice of one category each month:
- Gas
- Travel
- Office supply stores
- TV/telecom & wireless services
- Computer services
- Business consulting services
- 2% cash back on Dining
- 1% cash back for every other purchase
- $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per year (then 1%)
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
Amazon Business Prime American Express Card
- 5% cash back (up to $120,000 spent per year) at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
- $125 Amazon.com gift card upon account approval
- Purchase APR: 15.24%–23.24% Variable
- Balance Transfer APR: None
- No foreign transaction fee
- Annual fee: $0
Amazon Business American Express Card
- 3% cash back (up to $120,000 spent per year) at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
- $100 Amazon.com gift card upon account approval
- Purchase APR: 15.24%–23.24% Variable
- Balance Transfer APR: None
- No foreign transaction fee
- Annual fee: $0
Costco Anywhere Visa® Business Card by Citi
- 4% cash back on eligible Gas, including gas at Costco; up to $7,000 per year, then 1% back
- 3% cash back:
- At Restaurants
- On Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Purchase APR: 15.24% (Variable)
- No foreign transaction fee
- Annual fee: $0 (Costco membership required)
Professional Immigrants to the U.S.
- Up to 6% cash back by referring friends!
- Start with 1% and get an extra 1% for a full year for every friend you bring on board.
- Cash back not limited to certain categories, earn on almost all everyday purchases.
- No annual fee, no security deposit, no foreign transaction fees.
- Simple, intuitive app to manage your account.
- Unique auto payment options that help you build and maintain your credit score.
- Receive cash back automatically every month as a statement credit after three on time payments.
- Earn cash back as long as your account is in good standing.
- Your cash back maximum varies based on your credit limit.
- Issued by WebBank, Member FDIC.
Moving to the U.S.? The Jasper Cash Back Mastercard® (Review) might be designed for you.
It’s made for relocating professionals who don’t yet have an established credit history in the U.S., giving you the leg up you need to start building credit (along with a handy payment option).
You can apply for this card up to 60 days before you arrive in the States, or check to see if you’re prequalified before then. You won’t need a credit history to be approved, and there’s no SSN needed to apply. But you will need to get an SSN and provide it to Jasper within 60 days of card activation.
If you’ve been living here for at least a year, you’ll need to undergo a credit check and provide an SSN when you apply.
This card is available to anyone, not just immigrants to the U.S., and it could be a good option for anyone just getting into the world of credit.
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- Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
- No foreign transaction fee
- Annual fee: $0
Petal® 2 Cash Back, No Fees Visa® Card
- 1% cash back on purchases initially
- 1.25% cash back on purchases after 6 on-time payments
- 1.5% cash back on purchases after 12 on-time payments
- Petal Offers: Get up to 10% back with select merchants, with no activation necessary.
- Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
- Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
- Purchase APR: 12.99 - 26.99% Variable
- Credit limit: $500–$10,000
- No foreign transaction fee
- Annual fee: $0
Petal® 1 No Annual Fee Visa® Card
- Petal’s cash flow technology: Looks at bank account records to help you qualify
- Petal Offers: Get up to 10% back with select merchants, with no activation necessary.
- Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
- Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
- Purchase APR: 19.99%–29.49% Variable
- Credit limit: $500–$10,000
- No foreign transaction fee
- Annual fee: $0
- Issued by WebBank, Member FDIC
Discover it® Secured
- FICO Credit Scorecard: Keep tabs on your FICO Score 8, based on your TransUnion report, and get tips to improve your credit scores.
- Social Security number alerts: Notifications if your SSN is found on any thousands of risky websites
- New account and inquiry alerts: Get alerts if any new accounts or credit inquiries show up on your Experian credit report.
- Purchase APR: See Terms
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
The information related to Jasper Cash Back Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
General Travel
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 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.
The Chase Sapphire Preferred® Card (Review) makes a great first travel card.
It’s popular as an inexpensive and flexible way to earn Chase Ultimate Rewards points, which can be transferred to a variety of travel loyalty programs. It has an excellent signup bonus which could be worth enough for a few trips, and it’s also known for being made out of metal.
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You can get a 25% point bonus by redeeming for travel expenses through Chase’s Ultimate Rewards portal, which would give you a value of 1.25 cents per point. At that rate you’d be earning a cash back equivalent of 2.5% on travel purchases and dining.
But to really maximize your point value you’ll need to transfer them to a partner airline or hotel. That could give you upwards of 2 cents per point, which comes to a cash back equivalent of 4% on travel and dining.
With travel cards like these it generally pays to hold your points until you can redeem them at a good rate; otherwise you should just pay with your card as normal to earn more points.
- Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel programs, like Marriott Bonvoy or United MileagePlus.
- 20,000-point referral bonus: Get 20,000 points for every friend you refer who applies for the card and is approved, up to 100,000 bonus points per year.
- $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.
- DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
- Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in, late check-out, and unique gifts.
- Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers marketplaces.
- Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
- Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so your premiums won’t go up after an accident.
- No foreign transaction fee
- Annual fee: $95
Bank of America® Premium Rewards® Credit Card
- 2X points on:
- Travel
- Dining
- 1.5X points on everything else
- 50,000 bonus points for spending $3,000 in the first 90 days
- No foreign transaction fee
- Annual fee: $95
Capital One Venture Rewards Credit Card
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- Perks: Global Entry/TSA PreCheck application fee credit; mile transfer
- No foreign transaction fee
- Annual fee: $95
Capital One VentureOne Rewards Credit Card
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- Perks: Mile transfer; Capital One CreditWise
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 14.99% - 24.99% Variable
- No foreign transaction fee
- Annual fee: $0
American Express® Green Card
- 3X Membership Rewards points for:
- Travel
- Restaurants
- 1X Membership Rewards point for all other purchases
- 30,000 bonus points for spending $2,000 in the first 3 months
- Perks: $100 annual CLEAR credit; $100 annual LoungeBuddy credit
- No foreign transaction fee (Rates & Fees)
- Annual fee: $150
PenFed Pathfinder® Rewards Visa Signature® Card
- 4X points per dollar on Travel for PenFed Honors Advantage members
- 3X points per dollar on Travel otherwise
- 1.5X points per dollar on all other purchases
- 50,000 bonus points for spending $3,000 in the first 90 days
- Perks: $100 annual air ancillary credit; Priority Pass Select membership; Global Entry/TSA PreCheck fee credit
- No foreign transaction fee
- Annual fee: $95
Premium Travel Rewards
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 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
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 60,000 points are worth $900 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® (Review) is the better (and more expensive) cousin of the Chase Sapphire Preferred® Card (Review).
It earns points at higher multiples for dining and travel, has a better redemption bonus, and comes with a variety of perks and services that can help you save money and access interesting experiences.
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You’ll get a 50% point bonus when redeeming for travel expenses through the Ultimate Rewards portal, which would make your points worth 1.5 cents each. That’d give you a cash back equivalent of 4.5% on travel and dining purchases, which isn’t too bad.
But the best way to use Ultimate Rewards points is to transfer them to a partner airline or hotel loyalty program. That could give you 2 cents per point or potentially quite a bit more, depending on how you use them.
At 2 cents per point you’d be earning a cash back equivalent of 6% on travel and dining, which is pretty competitive with the best credit cards.
- Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
- $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: Provides 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 $32 each
- Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts
- 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 toward 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
The Platinum Card® from American Express
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- 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.
Citi Prestige® Card
- 5X ThankYou points for:
- Air travel
- Restaurants
- 3X ThankYou points for:
- Hotels
- Cruise lines
- 1X ThankYou point for every other purchase
- 50,000 ThankYou points for spending $4,000 within 3 months of account opening
- Perks: Fourth night free for eligible hotel rooms; $250 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit
- No foreign transaction fee
- Annual fee: $495
U.S. Bank Altitude Reserve Visa Infinite® Card
- 3X points for:
- Travel
- Mobile wallet purchases
- 1X point for all other purchases
- Perks: $325 travel credit; Priority Pass Select membership; Global Entry application fee credit
- 50,000 bonus points for spending $4,500 in the first 90 days of membership
- No foreign transaction fee
- Annual fee: $400
No Annual Fee
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro on purchases for 12 months, then 14.99% - 24.99% Variable
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 14.99% – 24.99% variable APR after that
The Capital One VentureOne Rewards Credit Card (Review) is an excellent no-fee choice for general travel expenses, although hotels are its strong suit.
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The Venture miles you earn with this card are typically worth 1 cent each, but Capital One recently introduced the ability to transfer your miles to a variety of airline partners.
Transfers could provide 2 cents per mile or more, which would give you a cash back equivalent of 2.5% for everything you buy.
Although this card’s base rewards are fairly small, it has valuable airline and hotel-related features that some travelers could find very useful.
- Mile transfer: Transfer miles to a variety of airline and hotel partners, at varying rates.
- Dining, sports, and music event access: Get access to exclusive culinary experiences, sports discounts and VIP packages, and concert tickets/perks.
- Capital One CreditWise: See your VantageScore 3.0 credit score, based on your TransUnion credit report, along with some information from that report.
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 14.99% - 24.99% Variable
- No foreign transaction fee
- Annual fee: $0
Bank of America® Travel Rewards Credit Card
- 3X points at the Bank of America Travel Center
- 1.5X points for every other purchase
- 25,000 bonus points for spending $1,000 in the first 90 days after account opening
- Purchase APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable
- No foreign transaction fee
- Annual fee: $0
Wells Fargo Propel American Express® card
- 3X points on:
- Dining
- Gas
- Travel
- Streaming services
- 1X point for every other purchase
- 20,000 bonus points for spending $1,000 in the first 3 months
- Purchase and Balance Transfer APR: 0% for 12 months from account opening, then 14.49%-24.99% Variable
- No foreign transaction fee
- Annual fee: $0
Bank of America® Customized Cash Rewards Card
- 3% cash back in your choice of one category every month:
- Gas
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement/furnishings stores
- 2% cash back at Grocery stores and Wholesale clubs
- 1% cash back for all other purchases
- Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
- Foreign transaction fee: 3%
- Annual fee: $0
Discover it® Miles
- 1.5X miles for every purchase
- Discover Match: Double miles earned during the first year, awarded at the end of the first year
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Airport Lounge Access
- 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.
- 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.
- New! 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 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 available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. 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.
When it comes to lounge access, there’s really no beating The Platinum Card® from American Express (Review) and its Global Lounge Collection.
There are quite a few cards offering the popular Priority Pass Select membership, but the Platinum card grants access to that along with a host of other lounge brands, including Delta Sky Clubs and Amex’s own exclusive Centurion lounges (enrollment required for lounge access).
It’s worth noting that the Platinum card’s Priority Pass Select membership excludes non-lounge experiences, though they’re still offered through competing premium cards, like the Chase Sapphire Reserve® (Review).
The business version of this card provides the same excellent lounge access, though some other card features are different: The Business Platinum Card® from American Express (Review).
Premium credit cards aren’t your only options for lounge access; check out the full marketplace of credit cards that provide airport lounge access.
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Normal redemptions for flights will yield 1 cent per point, which is a poor way to use your rewards. It would be better to save up for point transfers, which could provide upwards of 2 cents per point.
At 2 cents per point you’d earn a cash back equivalent of 10% in the 5X categories. But those bonus categories are a bit limited compared to what you’ll get from some other premium travel cards, like the Chase Sapphire Reserve® (Review) or Citi Prestige® Card (Review).
- 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)
Chase Sapphire Reserve®
Authorized users of the Sapphire Reserve cost $75 each per year, and they get their own Priority Pass Select memberships.
- Priority Pass Select membership: Provides access to over 1,200 airport lounges worldwide plus a selection of restaurants; the cardholder and two guests can enter for free; additional guests cost $32 each
- 10X Ultimate Rewards points on Lyft rides (through 3/31/22)
- 3X Ultimate Rewards points on:
- Travel (after using the full $300 travel credit)
- Dining
- 1X Ultimate Rewards point on all other purchases
- 60,000 bonus points for spending $4,000 in the first 3 months after account opening
- Perks: $300 travel credit; Global Entry/TSA PreCheck credit; Lyft Pink membership; DoorDash membership, $60 annual credits; primary auto rental collision damage waiver
- No foreign transaction fee
- Annual fee: $550
Citi Prestige® Card
Authorized users of the Citi Prestige cost $75 each, and they get their own Priority Pass Select memberships.
- Priority Pass Select membership: Access to over 1,200 Priority Pass airport lounges and restaurants around the world. Free access for you and two guests; additional guests cost $32 each.
- 5X ThankYou points for:
- Air travel
- Restaurants
- 3X ThankYou points for:
- Hotels
- Cruise lines
- 1X ThankYou point for every other purchase
- 50,000 ThankYou points for spending $4,000 within 3 months of account opening
- Perks: Fourth night free for eligible hotel rooms; $250 travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit
- No foreign transaction fee
- Annual fee: $495
Hilton Honors American Express Aspire Card
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- 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.
PenFed Pathfinder® Rewards Visa Signature® Card
- Priority Pass Select membership
- 4X points per dollar on Travel for PenFed Honors Advantage members
- 3X points per dollar on Travel otherwise
- 1.5X points per dollar on all other purchases
- 50,000 bonus points for spending $3,000 in the first 90 days
- Perks: $100 annual air ancillary credit; Global Entry/TSA PreCheck fee credit
- No foreign transaction fee
- Annual fee: $450
UNFCU® Elite Visa® Card
Authorized users of this card do not get additional free visits.
- Priority Pass Select membership: Five free lounge/restaurant visits per year; additional visits cost $27 per person
- 2X points for:
- Grocery stores
- Restaurants
- Online food delivery
- 1X point on all other purchases
- Purchase APR: 0% for 6 months, then 9.90% Variable
- No foreign transaction fee
- Annual fee: $50
American Express is a Credit Card Insider advertiser.
Long Hotel Stays
- 5X ThankYou points on Air travel and Restaurants
- 3X ThankYou points on Hotels and Cruise Lines
- No limit to the amount of points you can earn
- Rewards never expire
- $250 travel credit
- Complimentary 4th night free on eligible hotel stays, capped at twice per year
- Complimentary Priority Pass Select membership
- Global Entry or TSA Pre✓ Application Fee Credit
- No foreign transaction fees
- $495 annual fee
Frequent travelers have had a long-lasting love affair with the Citi Prestige® Card (Review).
This card offer is unique for giving your fourth night free on hotel stays, a valuable perk that could help you save hundreds or even thousands of dollars per year, if you stay at high-end properties.
The Prestige used to be a powerhouse because you could use that benefit as often as you wanted, but now it’s capped at two uses per year.
This new limitation is a bit of a downer, but most people hopefully won’t mind too much as Citi stated that the average cardholder didn’t use that perk more than twice per year anyway.
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ThankYou points are only worth 1 cent each when redeeming for past travel expenses, and so, like with many travel cards, the best way to use your rewards is a point transfer.
Citi has a variety of airline travel partners, but unfortunately there are no hotel partners. You’ll find some popular and some less-popular airlines, and point values could reach 2 cents per point or higher.
At 2 cents per point, you’d be earning a cash back equivalent of 10% in the 5X categories, and 6% in the 3X categories. That’s as good or better than what you’ll get from other top travel cards, like The Platinum Card® from American Express (Review) and Chase Sapphire Reserve® (Review).
- Point transfer: To a variety of frequent flyer programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club
- Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses
- Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both; capped at twice per year.
- Priority Pass Select membership: Access to a vast array of Priority Pass airport lounges and restaurants around the world
- Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years
- Citi Prestige Concierge: Call for non-emergency help any time you need it.
- World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National
- No foreign transaction fee
- Annual fee: $495
The Platinum Card® from American Express
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- 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.
Marriott Bonvoy Brilliant™ American Express® Card
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- 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.
Hilton Honors American Express Aspire Card
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- 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.
Citi is a Credit Card Insider advertiser.
Business Travel Rewards
Frequent business travelers need to know about The Business Platinum Card® from American Express.
Some may find the rewards a bit wanting, but the travel perks can’t be beat. You’ll get the best airport lounge access possible on a credit card, elite status at Marriott and Hilton to up your hotel game, and all the valuable protections and services you’d expect with a premier business travel card.
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The annual fee may seem a bit high at first glance, but consider everything you’ll get from the benefits, plus any rewards you earn: With enough travel each year you should be able to justify this card without much problem.
- 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
- $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December
- 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
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
Ink Business Preferred® Credit Card
- 5X Ultimate Rewards points on Lyft rides
- 3X Ultimate Rewards points on up to $150,000 spent per year for:
- Travel
- Shipping purchases
- Internet, cable, and phone services
- Advertising purchases made with social media sites and search engines
- 1X Ultimate Rewards point on all other purchases
- 100,000 bonus points for spending $15,000 in the first 3 months after account opening
- Perks: 25% point bonus for travel redemptions via Ultimate Rewards; point transfer; shopping and travel protections; primary auto rental collision damage waiver
- No foreign transaction fee
- Annual fee: $95
American Express® Business Gold Card
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- 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.
Capital One Spark Miles for Business
- 5X miles per dollar for hotels and rental cars booked through Capital One Travel
- 2X miles per dollar for every other purchase
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Perks: Mile transfer; Global Entry or TSA PreCheck credit; Visa Signature Business benefits
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
The Blue Business® Plus Credit Card from American Express
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- Perks: Amex Offers; Point transfer; Connect to QuickBooks
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (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.
Co-Branded Hotel Rewards
- Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
- Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
- Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
- Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
- $450 annual fee.
- Terms Apply.
You can get a lot out of the Hilton Honors American Express Aspire Card if you’ll stay at Hilton properties several times per year. You’ll earn lots of points, and there are a variety of hotel credits and perks to make your stays less expensive and more enjoyable.
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As you can see, there’s no shortage of points with this card. But Hilton points aren’t usually valued as highly as points with other hotel reward programs.
At a value of 0.4–1 cent per point, you’ll be earning a cash back equivalent of 13.6%–34% at Hilton properties, and 2.8%–7% in the three 7X categories.
See the best hotel credit cards here for more great options for different hotel brands.
- Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
- Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
- Annual $250 Hilton resort statement credit: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
- Annual $250 airline fee statement credit: For incidental fees only
- $100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
- Priority Pass Select membership: Complimentary access to Priority Pass airport lounges (excludes non-lounge experiences)
- American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
- 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)
Marriott Bonvoy Brilliant™ American Express® Card
- 6X Bonus points for eligible purchases charged on your Card directly with participating Marriott Bonvoy properties
- 3X Bonus points for:
- Flights booked directly from airlines
- U.S. restaurants
- 2X Bonus points for all other purchases
- 75,000 bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
- Perks: $300 hotel credit; annual Free Night Award; Priority Pass Select membership; Gold Elite hotel status; Global Entry/TSA PreCheck application fee credit
- No foreign transaction fee (Rates & Fees)
- Annual fee: $450 (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Surpass® Card
- 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 Bonus points at:
- U.S. restaurants
- U.S. supermarkets
- U.S. gas stations
- 3X Bonus points for all other purchases
- 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
- No foreign transaction fee (Rates & Fees)
- Annual fee: $95, $0 first year
Enrollment required for select benefits; terms and limitations apply.
Marriott Bonvoy Boundless™ Credit Card
- 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly at participating Marriott Bonvoy properties
- 2X Bonus points for all other purchases
- 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories
- Perks: Annual free night stay; Silver Elite status; 15 annual Elite Night credits
- No foreign transaction fee
- Annual fee: $95
IHG® Rewards Club Premier Credit Card
- 25X points at IHG properties
- 10X Bonus points from the card
- 15X Base points for IHG Platinum Elite status
- 2X Bonus points at:
- Gas stations
- Restaurants
- 1X Bonus point for all other purchases
- 150,000 bonus points for spending $3,000 in the first 3 months
- No foreign transaction fee
- Annual fee: $89
Radisson Rewards™ Premier Visa Signature® Card
- 35X points per dollar at Radisson properties
- 10X Bonus points per dollar from the card
- 25X Base points per dollar on eligible purchases for being a Radisson Gold member
- 5X Bonus points per dollar on all other purchases
- 50,000 points after first purchase; 35,000 points after spending $2,500 in the first 90 days
- 40,000 Bonus points each year after renewing your card
- No foreign transaction fee
- Annual fee: $75
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Co-Branded Airline Rewards
- Earn 75,000 Bonus Miles.
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry or TSA PreCheck® fee credit
- Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card.
The United Club℠ Infinite Card (Review) is the premier card for flying United, with perks like access to the United Club lounge, free first and second checked bags, and priority treatment at the airport.
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See the best airline credit cards for more airline cards for different travel brands, or learn more about the other co-branded cards available from United.
- United Club membership: Complimentary membership to the United Club airport lounge, with free access for you and two guests
- Premier Access airport travel services: Includes priority check-in and security screening, and boarding/baggage handling privileges
- Global Entry or TSA PreCheck fee credit: Get a $100 credit for the application fee of Global Entry, or $85 for TSA PreCheck, once every four years.
- Luxury Hotel & Resort Collection: Hotel perks like daily breakfast for two, complimentary WiFi, and room upgrades when available
- World of Hyatt Discoverist status: A 10% point bonus, room upgrades, and other benefits at Hyatt properties
- Hertz Gold Plus Rewards President’s Circle Elite Status: Get a 25% point bonus, upgrades, and exclusive offers at Hertz.
- Complimentary Premier Upgrades on United award flights: MileagePlus Premier members can get award ticket upgrades when available.
- Free first and second checked bags: For you and one traveling companion on United flights
- No foreign transaction fee
- Annual fee: $525
Delta SkyMiles® Reserve American Express Card
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- Perks: Delta Sky Club and Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, and 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost
- No foreign transaction fee
- Annual fee: $550
Enrollment required for select benefits; terms and limitations apply.
Delta SkyMiles® Reserve American Express Card (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Citi® / AAdvantage® Executive World Elite Mastercard®
- 7X AAdvantage miles for American Airlines purchases
- 5X miles as an AAdvantage member
- 2X miles from the card
- 1X AAdvantage mile for every other purchase
- 50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening
- Perks: Admirals Club lounge access; enhanced airport experience; first checked bag free; 25% in-flight discount; Global Entry/TSA PreCheck credit
- No foreign transaction fee
- Annual fee: $450
Alaska Airlines Visa Signature® Credit Card
- 3X miles on Alaska Airlines & Virgin America purchases
- 1X mile on all other purchases
- 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
- Perks: Annual Companion Fare credit; first checked bag free; 20% in-flight discount; Alaska Lounge discount
- No foreign transaction fee
- Annual fee: $75
United℠ Explorer Card
- 2X United miles for:
- With United Airlines
- On hotel accommodations made directly with the hotel
- At restaurants
- 1X United mile on other purchases
- 60,000 bonus miles for spending $3,000 in the first 3 months; an additional 10,000 bonus miles for spending $6,000 in the first 6 months
- No foreign transaction fee
- Annual fee: $95
Southwest Rapid Rewards® Priority Credit Card
- 2X points at:
- Southwest Airlines
- Rapid Rewards hotel and car rental partners
- 1X point for every other purchase
- 40,000 bonus points for spending $1,000 in the first 3 months; 3X points on dining, including takeout and eligible delivery services, for the first year
- No foreign transaction fee
- Annual fee: $149
JetBlue Plus Card
- 6X points for JetBlue purchases
- 2X points at:
- Restaurants
- Grocery stores
- 1X point everywhere else
- 60,000 bonus points for paying the annual fee and spending $1,000 in the first 90 days
- Perks: 10% redemption bonus; first checked bag free; 50% discount on in-flight purchases
- No foreign transaction fee
- Annual fee: $99
Chip-and-PIN Card
- 5X ThankYou points on Air travel and Restaurants
- 3X ThankYou points on Hotels and Cruise Lines
- No limit to the amount of points you can earn
- Rewards never expire
- $250 travel credit
- Complimentary 4th night free on eligible hotel stays, capped at twice per year
- Complimentary Priority Pass Select membership
- Global Entry or TSA Pre✓ Application Fee Credit
- No foreign transaction fees
- $495 annual fee
If you’ll be traveling outside the U.S., you’ll probably want a credit card or two with chip-and-PIN capability.
Most cards in the U.S. are only chip-and-Signature, and, although many checkout terminals in foreign countries accept both signature and PIN cards, some terminals only accept PIN cards (like some automated kiosks in Europe and other regions). So if you’re looking for the best credit cards for international travel it’s useful to have some chip-and-PIN cards in the mix.
A few U.S. credit card issuers offer chip-and-PIN cards (see a full list here), and out of those options it’d be tough to beat the Citi Prestige® Card (Review). Although this premium credit card is known for its fourth night free perk on hotel stays, its PIN capability will come in handy while traveling abroad.
If these bonus categories and benefits aren’t very appealing, check out the runners up for some other PIN cards with different features, including some cards without annual fees.
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Your ThankYou points will be worth from 1 cent to potentially over 2 cents each, depending on how you redeem them. Point transfers will be your best option.
At a rate of 1–2 cents per point, you’d be earning a cash back equivalent of 5%–10% in the 5X categories, and 3%–6% in the 3X categories.
- Point transfer: To a variety of airline loyalty programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club
- Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses
- Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both; capped at twice per year.
- Complimentary Priority Pass Select membership: Access to a vast array of Priority Pass airport lounges and restaurants around the world
- Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years
- Citi Prestige Concierge: Call for non-emergency help any time you need it.
- World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National
- No foreign transaction fee
- Annual fee: $495
Bank of America® Premium Rewards® Credit Card
- 2X points on:
- Travel
- Dining
- 1.5X points on everything else
- 50,000 bonus points for spending $3,000 in the first 90 days
- No foreign transaction fee
- Annual fee: $95
Bank of America® Travel Rewards Credit Card
- 3X points at the Bank of America Travel Center
- 1.5X points for every other purchase
- 25,000 bonus points for spending $1,000 in the first 90 days after account opening
- Purchase APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable
- No foreign transaction fee
- Annual fee: $0
Citi Premier® Card
- 3X ThankYou points at:
- Air travel
- Hotels
- Gas stations
- Supermarkets
- Restaurants
- 1X ThankYou point on all other purchases
- 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; point transfer
- No foreign transaction fee
- Annual fee: $95
Citi® Double Cash Card – 18 month BT offer
- 2% cash back on every purchase (must pay at least the minimum due on time)
- Balance Transfer APR: 0% for 18 months on Balance Transfers, then None
- Annual fee: $0
Citi is a Credit Card Insider advertiser.
Student Travelers
- Min. credit levelLimited Credit History
- Annual Fee$0
- Purchase APR0% for 15 billing cycles, then 13.99%–23.99% Variable
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No changing categories and no expiration on rewards
- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99%–23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
- If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
- Now with chip technology for enhanced security and protection at chip-enabled terminals
- No annual fee
Student travelers actually have several good options here, of travel cards designed for people with limited credit histories.
The Bank of America Customized Cash Rewards™ Credit Card for Students (Review) may be the best all-around student card for travel, but you’ll need to plan your travel spending a bit in advance to get the most out of it. That’s because this card allows you to choose your 3% bonus category each month, and you’ll need to set it to Travel for the appropriate time frame before making purchases.
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With this flexible card you can adjust your bonus category each month to fit your expected spending. So if you’re going on a trip beginning at the end of a month, for example, you could use the Travel category to get 3% back on your airfare and hotels, and even a car rental. Then, when the new month begins, you can switch your category to Gas to help fuel your adventure.
- Bank of America Preferred Rewards: Eligible bank account holders get a 25%–75% bonus on rewards earned, depending on how much money is held in BofA bank accounts.
- Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
- Visa Platinum or Signature benefits: Depending on creditworthiness
- Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
- Foreign transaction fee: 3%
- Annual fee: $0
Bank of America Travel Rewards® Credit Card for Students
- 3X points on purchases from the Bank of America travel center
- 1.5X points for all other purchases
- 25,000 bonus points when you spend $1,000 in the first 3 months
- Purchase APR: 0% for 12 months, then 14.99%–22.99% Variable
- No foreign transaction fee
- Annual fee: $0
Deserve Edu Mastercard
Applicants of Deserve credit cards have a better chance of approval because Deserve checks factors like education and income potential, in addition to the typical credit scoring criteria.
- 1% cash back for all purchases
- One year of Amazon Prime Student for spending $500 in the first 3 billing cycles
- Limited one-year Priority Pass Select membership for spending $1,000 in 120 or 155 days; $27 fee per visit, per person (not all cardholders will receive this offer).
- No foreign transaction fee
- Annual fee: $0
Take note that Deserve will need to connect to your bank account to verify your balance. If you have privacy or security concerns this might worry you, but it seems logical because Deserve bases its decision on more than the typical credit approval criteria.
Flat-Rate Rewards
- Min. credit levelExcellent
- Annual Fee$0 intro for first year; $95 after that
- Purchase APR20.99% (Variable)
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Some people just want to earn cash back without bothering with bonus reward categories and complicated redemption options. If that sounds like you, you could do a lot worse than the Capital One Spark Cash for Business (Review).
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Unlike other cards, which reward you more for certain types of purchases, the Spark Cash offers a flat rate for everything you buy. This can be good for businesses that spend a lot on a variety of purchases, rather than particular spending categories. And there’s no limit to the cash back you can earn, unlike many other rewards cards.
This means that it’s a great option to pair with other rewards cards that do have bonus categories, like any of the others on our list.
You can use that other card for its bonus categories, earning cash back or points at a high rate. Then use the Spark Cash for every other expense, where you would typically only earn 1% back (or 1X point per dollar).
- 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: $0 intro for first year; $95 after that
Capital One Spark Cash Select – $500 Cash Bonus
- 1.5% cash back for every purchase you make
- $500 cash bonus for spending $4,500 in the first 3 months after account opening
- Purchase APR: 13.24% - 19.24% (Variable)
- Balance Transfer APR: 13.24% - 19.24% (Variable)
- No foreign transaction fee
- Annual fee: $0
Capital One Spark Miles for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 2X miles per dollar for all other purchases
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Global Entry or TSA PreCheck application fee credit: Once every four years
- Point transfer: To a variety of airline loyalty programs
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
Capital One Spark Miles Select for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 1.5X miles per dollar for all other purchases
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- Point transfer: To a variety of airline loyalty programs
- Purchase APR: 0% intro on purchases for 9 months, then 14.49% - 22.49% Variable
- Balance Transfer APR: 14.49% - 22.49% Variable
- No foreign transaction fee
- Annual fee: $0
The Blue Business® Plus Credit Card from American Express
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- Perks: Amex Offers; Point transfer; Connect to QuickBooks
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
American Express Blue Business Cash™ Card
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- 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.
The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Business Travel Rewards
The Business Platinum Card® from American Express (Review) is a premium travel rewards card, intended for small business owners who’ll travel and use the benefits enough to make it worth the annual fee.
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This card is a great way to earn Membership Rewards, and can provide a wealth of points through welcome bonuses.
You’ll have quite a few redemption options, including flights and gift cards. But the most rewarding method will be for point transfers, because you may find deals that provide 2 cents per point or more. That would give you a cash back equivalent of 10% when earning at the 5X rate, which isn’t bad at all.
These travel rewards are a bit limited compared to some other premium cards, like the Chase Sapphire Reserve® (Review). But if you can spend enough on eligible travel purchases and make good use of the benefits each year, you’ll probably get your money’s worth with this card.
- 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
- $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December
- 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
Enrollment required for select benefits; terms and limitations apply.
The Business Platinum Card® from American Express (Rates & Fees)
Ink Business Preferred® Credit Card
- 5X Ultimate Rewards points per dollar on Lyft rides
- 3X Ultimate Rewards points per dollar on the first $150,000 spent per year (then 1X) 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
- 100,000 bonus points for spending $15,000 in the first 3 months after account opening
- 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
- No foreign transaction fee
- Annual fee: $95
Capital One Spark Miles for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 2X miles per dollar for all other purchases
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Global Entry or TSA PreCheck application fee credit: Once every four years
- Point transfer: To a variety of airline loyalty programs
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
Capital One Spark Miles Select for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 1.5X miles per dollar for all other purchases
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- Point transfer: To a variety of airline loyalty programs
- Purchase APR: 0% intro on purchases for 9 months, then 14.49% - 22.49% Variable
- Balance Transfer APR: 14.49% - 22.49% Variable
- No foreign transaction fee
- Annual fee: $0
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.
Varied Business Spending
Sometimes you may not know what your business expenses will be from month to month. If that’s your situation, you may like a card with many different bonus categories, or categories that are flexible in some way.
The American Express® Business Gold Card (Review) is a rewarding card with bonus categories that will match the two types of spending your business has the most of each month.
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This flexibility is a handy feature because you don’t have to bother changing the categories manually each month, like with some cards, and you don’t need to try to predict your upcoming business spending. You’ll just automatically get 4X points in the two categories you spent the most in, without any extra effort on your part.
But of course, the bonus categories should fit your business spending. So if this card doesn’t work for you, check out the runners up and their different categories.
- 25% airline bonus: Get 25% of your points back when booking eligible airfare through American Express Travel using Membership Rewards Pay with Points.
- The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
- Point transfer: To a selection of airline and hotel partners
- Amex Offers: Access to extra point offers at a wide variety of merchants
- 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)
Ink Business Preferred® Credit Card
- 5X Ultimate Rewards points per dollar on Lyft rides
- 3X Ultimate Rewards points per dollar on the first $150,000 spent per year (then 1X) 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
- 100,000 bonus points for spending $15,000 in the first 3 months after account opening
- 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
- No foreign transaction fee
- Annual fee: $95
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- 3% cash back in your choice of one category each month:
- Gas
- Travel
- Office supply stores
- TV/telecom & wireless services
- Computer services
- Business consulting services
- 2% cash back on Dining
- 1% cash back on all other purchases
- Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per calendar year (then 1% thereafter).
- $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Signup Bonus
- 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.
- $95 Annual Fee
Want to earn a lot of points fast? Signup bonuses are a great way to get there.
The Ink Business Preferred® Credit Card (Review) has an excellent offer, which could be enough for quite a few flights or hotel stays.
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If you’re worried about not hitting the signup bonus threshold, check out some creative ways to meet minimum spend requirements.
The other Chase Ink Business cards have very good offers as well (they’re runners up below), but those offers get even better if you can move the points you earn to a different Chase card that allows point transfers. If you got a bonus of 50,000 UR points with one of those other Ink cards, it would normally only be worth $500 at most — 1 cent per point. But if you move those points to another Chase card that allows point transfers, you could then transfer the points to a partner program to get a better value — at 2 cents per point, that same bonus would be worth $1,000.
The Chase cards that allow point transfers are:
- 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 Offers: Earn 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.
- Purchase and Balance Transfer APR: 15.99%-20.99% Variable
- No foreign transaction fee
- Annual fee: $95
Ink Business Unlimited® Credit Card
- 5% cash back on Lyft rides
- 1.5% cash back for all other purchases
- $750 cash bonus for spending $7,500 in the first 3 months after account opening
- Purchase and Balance Transfer APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
Ink Business Cash® Credit Card
- 5% cash back on Lyft rides
- 5% cash back on the first $25,000 spent each year (then 1%) for:
- Office supply stores
- Internet, cable, and phone services
- 2% cash back on the first $25,000 spent each year (then 1%) at:
- Gas stations
- Restaurants
- 1% cash back for all other purchases
- $750 cash bonus for spending $7,500 in the first 3 months after account opening
- Purchase and Balance Transfer APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- 3% cash back in your choice of one category each month:
- Gas
- Travel
- Office supply stores
- TV/telecom & wireless services
- Computer services
- Business consulting services
- 2% cash back on Dining
- 1% cash back on all other purchases
- Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per calendar year (then 1% thereafter).
- $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
Capital One Spark Cash for Business
- 2% cash back for all purchases
- $500 cash bonus for spending $4,500 in the first 3 months
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
Capital One Spark Miles for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 2X miles per dollar for all other purchases
- 50,000 bonus miles for spending $4,500 in the first 3 months
- Global Entry or TSA PreCheck application fee credit: Once every four years
- Point transfer: To a variety of airline loyalty programs
- No foreign transaction fee
- Annual fee: $0 intro for first year; $95 after that
No Annual Fee
- Min. credit levelExcellent
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
There are several business cards without annual fees, but the Ink Business Cash® Credit Card (Review) is likely to be the most rewarding for the most small businesses.
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If your company spends a lot on office supplies and the other services listed, you’ll have few other options if you want to earn 5% cash back on them. That’s a pretty good deal but it’s limited to the first $25,000 you spend, and so is the 2% rate. So if you’ll spend much more than that every year you may want to consider getting multiple versions of this card, or adding in other cards to the mix.
Combining the Ink Business Cash with other cards wouldn’t be an overly-expensive strategy because it has no annual fee, so any rewards you earn are all profit as long as you don’t incur interest or fees. And you can avoid interest on purchases by simply paying your statement balance in full each month.
- Shop through Chase/Chase Offers: Earn more cash back 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
- Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Balance Transfer APR: 13.24% - 19.24% Variable
- Annual fee: $0
Capital One Spark Cash Select – $500 Cash Bonus
- 1.5% cash back for every purchase you make
- $500 cash bonus for spending $4,500 in the first 3 months after account opening
- Purchase APR: 13.24% - 19.24% (Variable)
- Balance Transfer APR: 13.24% - 19.24% (Variable)
- No foreign transaction fee
- Annual fee: $0
Capital One Spark Miles Select for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 1.5X miles per dollar for all other purchases
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- Point transfer: To a variety of airline loyalty programs, including Cathay Pacific, Etihad Guest, and Qantas Frequent Flyer
- Purchase APR: 0% for 9 months, then 14.49% - 22.49% Variable
- Balance Transfer APR: 14.49% - 22.49% Variable
- No foreign transaction fee
- Annual fee: $0
The Blue Business® Plus Credit Card from American Express
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- Perks: Amex Offers; Point transfer; Connect to QuickBooks
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Ink Business Unlimited® Credit Card
- 5% cash back on Lyft rides
- 1.5% cash back for every other purchase
- $750 cash bonus for spending $7,500 in the first 3 months after account opening
- Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- 3% cash back in your choice of one category each month:
- Gas
- Travel
- Office supply stores
- TV/telecom & wireless services
- Computer services
- Business consulting services
- 2% cash back on Dining
- 1% cash back on all other purchases
- Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per calendar year (then 1% thereafter).
- $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
Fair or Average Credit
If your credit is in the fair or average range, which is a FICO score of about 580–669, you may have a hard time being approved for the more rewarding business cards out there. But your credit isn’t bad enough to warrant a secured business card either, so you need a middle option.
The Capital One Spark Classic for Business (Review) fills that gap, one of the few unsecured business cards designed for average credit.
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It’s not a very strong rewards program, but this is the trade-off for not having credit in the “good” range. You can actually get a slightly better cash back rate than that on some secured cards. But you won’t need to pay a security deposit to fund the credit limit of the Spark Classic, and you’ll need to do that with secured cards.
Although you could get a better rate by going for a secured card you wouldn’t earn much more than 1% cash back, and you may need to pay an annual fee, so it might not be worth it.
- Shopping and travel protections: Purchase Security, Extended Warranty, Travel and Emergency Assistance Services, and more
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Bad Credit
- Up to 10 cards for you & employees
- Your choice of a cash back rewards program or a point rewards program
- More Bonus Points: When you shop online or in person at the Earn More Mall.
- Card Design Studio: Design your own card.
- No annual fee
Secured cards are designed for people with poor credit (a FICO score below 579) or no credit, providing a way to build a positive credit history. They require a refundable security deposit when you’re approved, which will be used to fund the credit limit.
There are only a few secured business credit cards, and the Wells Fargo® Business Secured Credit Card is probably the most useful.
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