Credit Card Offers of March 2023
Here are our picks for credit card offers from our partners! Browse through to find the offers that fit your type of travel.
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.
Chase Sapphire Preferred® Card
Annual fee
$95
Welcome offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Why we like it
The Chase Sapphire Preferred is one of our top credit cards for both beginners and frequent travelers. It comes with a nice welcome bonus, solid ongoing points earning on bonus categories and some great travel perks. The travel perks like delayed baggage and flight insurance will easily cover the already reasonable annual fee of $95. It earns valuable Chase Ultimate Rewards points which is one of the best flexible points currencies: you can transfer to a number of travel partners like Hyatt and United, easily redeem for any type of travel through the Chase portal where you’ll get 25% bonus or even earn straight cash back.
Who is it best for?
The Chase Sapphire Preferred is great for just about anyone. It’s large welcome bonus makes it easy to get immediate value and you’ll easily rack up points with its broad bonus categories, earning a decent return on travel and dining purchases. Chase points allow for easy redemptions made through the Chase Travel Portal, which allows you to book any sort of travel with no blackout dates, and you’ll get better value from your points compared to other bank’s travel portals.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Pros
- Flexible points
- Unique transfer partners like Hyatt and United
- Great travel and trip delay insurance
Cons
- $95 annual fee
- Ongoing points earning is lower compared to other cards
Reward Rate
- 5x on travel purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all other travel purchases, plus more.
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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The Platinum Card® from American Express
Annual fee
$695
Welcome offer
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Why we like it
The Amex Platinum is a staple in the travel cards landscape with its unmatched travel benefits, for frequent flyers these benefits alone can far exceed the cost of the annual fee. Beyond that, this card has great on-going rewards and the card also comes with a generous welcome offer.
Who is it best for?
The Platinum Card is best for frequent travelers that value luxury travel perks: think incredible airport lounge access and Gold elite status with Marriott and Hilton. Cardholders can also cash in on hundreds of dollars of credit for travel expenses all the while earning 5X Membership Rewards Points on flights (booked directly with the airline or through American Express Travel, on up to $500,000 on these purchases per calendar year and on prepaid hotels booked with American Express Travel.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
- $189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Pros
- Access to Centurion Lounges, Priority Pass lounges, Delta Sky Clubs and more (enrollment required)
- Complimentary Hilton Gold elite status and Marriott Gold elite status (enrollment required)
- Excellent customer experience
Cons
- $695 annual fee
- Earning on travel categories exclusive to airfare and prepaid hotel stays
Reward Rate
- 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.
APR
See Pay Over Time APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Capital One Venture Rewards Credit Card
Annual fee
$95
Welcome offer
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
Why we like it
The Venture Rewards card is a straightforward travel rewards card with a strong sign-up bonus. It earns 2X miles on every purchase so you don’t have to deal with any confusing bonus categories. Capital One Miles are easy to use too — they can be redeemed for nearly any travel purchase like airfare, car rentals, room service and much more.
Who is it best for?
The Capital One Venture Rewards card is the travel rewards card that adjusts to how you want to use it. The generous earning rate for everyday spending makes it a great option for those who like to use one card for all your purchases or for anyone looking for a simple approach to using miles.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Pros
- Miles are easy to use and can cover any type of travel
- 2x miles on all purchases
- Can transfer miles to airlines
- Up to $100 Global Entry or TSA Pre✓® Credit
Cons
- $95 annual fee
Reward Rate
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Earn unlimited 2X miles on every purchase, every day.
APR
20.74% – 28.74% (Variable)
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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American Express® Gold Card
Annual fee
$250
Welcome offer
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Why we like it
The American Express® Gold Card is equipped with a generous welcome offer, but the ongoing rewards make it one of the top cards for dining at restaurants and grocery purchases at U.S. supermarkets. Before doing any calculations to decide if it’s worth having in your wallet, this card also comes with up to $120 in dining credits and $120 in Uber cash annually ($10 monthly credits), which nearly offsets the entire annual fee. (enrollment required)
Who is it best for?
This card is great for foodies who like to eat out but also enjoy home cooked meals since it earns 4x Membership Rewards® Points at restaurants and at U.S. supermarkets (on up to $25,000 in purchases per calendar year; then 1x). It’s also perfect those who order delivery since it comes with up to $120 in Uber Cash which can be used at Uber Eats (in the U.S.) and up to $120 in dining credits when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. (enrollment required).
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Pros
- High earning card between its strong welcome offer and on-going rewards
- Up to $120 in dining credits and $120 in Uber Cash every calendar year (enrollment required).
Cons
- $250 annual fee
- Limited travel benefits compared to other cards
Reward Rate
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
APR
See Pay Over Time APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Chase Sapphire Reserve®
Annual fee
$550
Welcome offer
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®
Why we like it
The Chase Sapphire Reserve is the premium Chase travel credit card. In addition to earning 3x points on travel and dining purchases, this card comes with a $300 annual travel credit and other travel and dining perks that quickly make it worth the $550 annual fee. One of our favorite benefits is the 50% point value boost that cardholders get when redeeming through the Chase Ultimate Rewards travel portal.
Who is it best for?
The Chase Sapphire Reserve is best for those who travel relatively frequently. With protection against canceled and delayed flights, access to 1,300+ airport lounges and an up to $100 Global Entry credit, those who travel internationally will enjoy this card. This card also increases the value of Chase Ultimate Rewards by 50% when redeeming through the Chase Travel Portal. This applies to rewards earned with any of their other credit cards, making it the ideal card to double up with a second Chase card with complimentary earning categories.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
780
850
Details
- 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.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 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 every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Pros
- Travel credit of up to $300 covering a flexible range of travel related purchases
- Airport lounge access through Priority Pass
- 50% value boost when redeeming points through Chase Travel Portal
- Long list of travel protection benefits
- Flexible and transferrable points
Cons
- $550 annual fee, and $75 annual fee per authorized user
Reward Rate
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
- Earn 5x total points on flights through Chase Ultimate Rewards®.
- Earn 3x points on other travel and dining.
- Earn 1 point per $1 spent on all other purchases
APR
21.49% – 28.49% Variable
Credit Needed
Excellent
Foreign Transaction Fee
$0
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Chase Freedom Unlimited®
Annual fee
$0
Welcome offer
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
Why we like it
The Chase Freedom Unlimited gives you an easy-to-earn welcome bonus when you meet the spending requirement, and it also awards you 5% cash back on travel, 3% back on dining and drugstore spending, and 1.5% back on all other purchase categories. There’s conveniently no annual fee, which can be rare for a rewards credit card. If you have an eligible Chase card that earns Chase Ultimate Rewards points, you can convert your cash back into points that can transfer to valuable hotel and airline partners.
Who is it best for?
This all-purpose card is great for anyone who wants a highly attainable welcome bonus and no annual fee. Unlike many similar cards, it provides cash back on absolutely all purchases, with larger percentages earned on travel and various everyday spending categories. It’s also a great compliment to someone looking to beef up their Chase credit card portfolio.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% – 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Pros
- No annual fee
- No minimum for cash back redemption
- Offers insurance on trip cancellation or interruption
- Great earning rates on non-bonused spend
Cons
- Incurs 3% foreign transaction fees
Reward Rate
- Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all other purchases
APR
19.49% – 28.24% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars
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Southwest® Rapid Rewards® Performance Business Credit Card
Annual fee
$199
Welcome offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
Why we like it
This card’s sizable welcome bonus will have you well on your way to qualifying for the Southwest Companion Pass, where a friend or relative flies with you for just the taxes and fees. Earn 4 points per dollar on Southwest purchases, 3 points per dollar on Rapid Rewards hotel and car partners, 2 points per dollar on rideshare, 2 points per dollar on social media advertising, internet and phone services, and 1 point per dollar on all other purchases.
Who is it best for?
This card provides a host of benefits to those who fly Southwest Airlines, including 4 upgraded boardings per year, annual Wi-Fi credits and a TSA PreCheck or Global Entry fee application credit. It also comes in handy for anyone who could benefit from the insurance it offers on travel accidents, lost luggage, baggage delays, and more.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Global Entry or TSA PreCheck® Fee Credit.
Pros
- Anniversary points awarded annually
- No foreign transaction fees
- Additional employee cards are free
Cons
- Annual fee
- Narrow range of rewards categories
Reward Rate
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services.
- 1X points on all other purchases.
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Marriott Bonvoy Brilliant® American Express® Card
Annual fee
$650
Welcome offer
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
Why we like it
The Bonvoy Brilliant offers an annual free night at hotels participating in Marriott Bonvoy®. It’s got a ton of other benefits too, including unlimited airport lounge visits when you enroll in Priority Pass Select membership.
Each renewal year, you can also get up to $300 in statement credits per year (up to $25 per month) for eligible purchases at restaurants worldwide.
Who is it best for?
If you stay at Marriott hotels once or twice per year, this card can save you hundreds of dollar over what you’ll pay in annual fees. However, you’ll need to travel a handful of times each year to get the most from this card. The card grants access to 1,300+ airport lounges worldwide, but the vast majority are international.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
- Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
- A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques. Certain hotels have resort fees.
- $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees on international purchases.
- Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month’s wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- Automatic Marriott Gold elite status
- Priority Pass airport lounge access (enrollment required)
Cons
- High annual fee
- Can only receive the welcome bonus once per lifetime
Reward Rate
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- 3 points at Worldwide Restaurants and on flights booked directly with airlines.
- 2 points on all other eligible purchases.
APR
20.49%-29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Blue Cash Preferred® Card from American Express
Annual fee
$0 intro annual fee for the first year, then $95.
Welcome offer
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Why we like it
This card offers an easily attainable intro bonus. But the best part is that it pays a generous 6% cash back on everyday purchases like groceries at U.S. supermarkets (on up to $6,000 spent per calendar year; then 1%) and select U.S. streaming subscriptions. You’ll also earn 3% cash back at U.S. gas stations and on transit purchases.
Who is it best for?
If you prefer cash-back rewards, and if you spend a good amount on groceries, gas, streaming services, and transit, this card will be a valuable addition to your wallet. It’s a useful card for anyone who wants to earn and spend rewards on non-travel categories.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
- 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.
- Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
- See Rates & Fees
Pros
- High return rate on everyday purchases
- Earns the most flexible rewards currency, cash back
Cons
- $95 ongoing annual fee
Reward Rate
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
APR
18.74%-29.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
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United℠ Explorer Card
Annual fee
$0 Intro for First Year, then $95.
Welcome offer
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Why we like it
This card makes you immune to most Basic Economy fare restrictions. You’ll receive preferred boarding, you can bring a free carry-on bag and you can bring a free checked bag (when paying for your ticket with the card — even award flight taxes and fees qualify). So you can buy the cheapest tickets United sells without being treated like cattle.
Who is it best for?
Anyone who checks a bag with United even a couple times per year will benefit from this card. Plus, if you’ve got a stash of United miles, the card opens up secret award inventory for you — award seats that only cardholders can see!
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag – a savings of up to $140 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Pros
- Complimentary checked bags for you and one person on your reservation (when using your card for the reservation)
- Preferred boarding
- Increased award availability
- TSA PreCheck/Global Entry credit (worth up to $100)
- Excellent travel coverage (including primary rental car insurance)
- (2) one-time United Club lounge passes each year
Cons
- Mediocre mileage earning rates for spend
Reward Rate
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Earn 2 miles per $1 spent on dining including eligible delivery services
- 1 mile per $1 spent on all other purchases
APR
20.99% – 27.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Southwest Rapid Rewards® Plus Credit Card
Annual fee
$69
Welcome offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Why we like it
This card’s welcome bonus offers a generous dollar amount toward Southwest flights (per our points valuations) with an abnormally accessible spending requirement. It also awards you 3,000 Southwest points after each cardmember anniversary – and all points earned count toward the highly popular Southwest Companion Pass.
Who is it best for?
The Southwest Rapid Rewards Plus card is a good addition to the wallet of any occasional Southwest flyer who travels within the U.S. or to the Caribbean. The 3,000 points you’ll earn on your cardmember anniversary go a long way in offsetting the card’s annual fee. This is, however, Southwest’s most basic credit card.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
Pros
- Points never expire
- No seat restrictions or blackout dates
Cons
- Carries an annual fee
- Low points earning rate for most purchases
- Unlike similar cards, it doesn’t earn tier-qualifying points
- 3% foreign transaction fee
Reward Rate
- Earn 2X points on Southwest® purchases.
- Earn 2 points per $1 spent on Southwest® purchases.
- Earn 2X points on internet, cable, and phone services; select streaming.
- Earn 1 point for every $1 spent on all other purchases.
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
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United℠ Business Card
Annual fee
$0 Intro for the First Year. $99 After
Welcome offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Why we like it
You’ll earn 2 miles per $1 spent on United purchases, as well as 2 miles per $1 at restaurants, gas stations, and office supply stores, plus 1 mile per $1 on all other purchases. You’ll also get generous travel perks like 2 United Club one-time passes per cardmember year, plus a $100 annual travel credit after 7 United flight purchases of $100 or more.
Who is it best for?
It’s an attractive option for business owners who frequently fly United, thanks to the 2 United Club single-use passes per year, $100 travel credit after 7 United purchases, 5,000 bonus miles each yearly anniversary and 25% back on United inflight purchases that include food, beverages, and Wi-Fi.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- $100 annual United travel credit after making required United flight purchases
- 25% back on United inflight purchases
- 5,000 bonus miles per year if you also have a personal United credit card
- 2 United Club one-time passes per year
Cons
- You must run a business to qualify (although things like freelance writing, babysitting, and dog walking count)
Reward Rate
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases.
APR
20.99% – 27.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Southwest Rapid Rewards® Premier Credit Card
Annual fee
$99
Welcome offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Why we like it
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- No foreign transaction fees.
- Member FDIC
Pros
Cons
Reward Rate
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Southwest Rapid Rewards® Priority Credit Card
Annual fee
$149
Welcome offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Why we like it
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
Pros
Cons
Reward Rate
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Ink Business Preferred® Credit Card
Annual fee
$95
Welcome offer
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®
Why we like it
The Ink Business Preferred is the best small business card on the market thanks to its gargantuan welcome bonus and ongoing benefits that can save literally $1,000+ per year. It provides primary coverage when renting a car for business purposes (a potential $12+ per day savings over purchasing in-house rental insurance), it gives you $600 in cell phone coverage simply for using the card paying your phone bill, and it earns 3x points on travel (on up to $150,000 in combined purchases per account anniversary year).
Who is it best for?
This card is best for small business owners and anyone who pays out-of-pocket for cell phone insurance. If you fly Southwest or United, or if you stay wit Hyatt, the rewards this card accrues can also be transferred to valuable travel partners like these.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Pros
- Best publicly available welcome bonus of any card
- Great return for travel and various business expenses
- Complimentary cell phone insurance
- Excellent travel and purchase protections
Cons
- You must have a for-profit venture to qualify
- High minimum spending requirement to earn welcome offer
- $95 annual fee
Reward Rate
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
APR
20.49% – 25.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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American Express® Business Gold Card
Annual fee
$295
Welcome offer
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Why we like it
This versatile card comes with a welcome offer that’s easy for most mid to large-sized businesses to attain. In addition, it automatically awards 4x points on the two categories for which your business spent the most during each billing cycle. Available purchase categories include select airfare, advertising, shipping, and computer hardware and software, as well as purchases at gas stations and restaurants. It also pays out 1 point per dollar on all other purchases.
Who is it best for?
This is a convenient card for business owners who don’t want to bother keeping track of rotating bonus categories each month. The wide range of bonus categories makes this card valuable for nearly any business.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
- See Rates & Fees
Pros
- Generous return of up to 4 Amex points per dollar on select purchases
- Up to 99 employee cards per account for a nominal fee
Cons
- Considerable annual fee
- Does not provide statement credits
Reward Rate
- Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
- 1X is earned for other purchases. **
APR
18.99% – 26.99% Variable
Credit Needed
Good to Excellent
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Ink Business Cash® Credit Card
Annual fee
$0
Welcome offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we like it
This card is perhaps the single best credit card for earning Chase Ultimate Rewards points. Though its highest bonus category is a little on the obscure side (purchases at office supply stores, on cellular phone, landline, internet and cable TV services), you can earn 5% cash back on the first $25,000 spent in combined purchases on these things each account anniversary year. And you can often buy things at office supply stores that aren’t just office supplies!
Who is it best for?
This card is best for small business owners looking for a steady flow of Chase Ultimate Rewards points. It’s especially powerful if you pair it with the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Ink Business Preferred — you can pool your Chase points onto one of those cards and then transfer them to valuable Chase’s transfer partners!
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn $750 bonus cash back after you spend $6,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- Huge cash-back intro bonus
- Primary rental car insurance (when renting for business purposes)
- One of the best return rates of any credit card
- No annual fee
Cons
- The card incurs foreign transaction fees
- You must have a small business to qualify (but things like dog-walking, Uber, freelance writing, babysitting, etc. count)
Reward Rate
- 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 card purchases with no limit to the amount you can earn
APR
17.74% – 23.74% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
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Ink Business Unlimited® Credit Card
Annual fee
$0
Welcome offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we like it
This is a straightforward no-annual-fee card that offers an astronomical cash back welcome bonus. It pays out an unlimited 1.5% cash back on all purchases, which is middle of the road. However, if you have certain other Chase cards, you can convert your cash back into Chase points, which are worth significantly more! Based on our points valuations, you’ll get an effective return of 2.55 cents per dollar when you convert your cash to Chase points.
Who is it best for?
This is a small business card, so it’s best for those with a for-profit venture (which includes side-gigs as simple as freelance writing, Uber, or dog walking). Anyone who doesn’t want to keep track of bonus categories will appreciate this simple cash back card. You can redeem your rewards as statement credits or use them in the form of points to book travel through the Chase Travel Portal.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Poor
300
600
Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- No annual fee
- Fraud protection on card transactions
- Earns Chase points (our favorite rewards currency!)
Cons
- Has a foreign transaction fee
- You must have some kind of small business
Reward Rate
- Earn unlimited 1.5% cash back on every purchase made for your business
APR
17.74% – 23.74% Variable
Credit Needed
Poor
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
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The Blue Business® Plus Credit Card from American Express
Annual fee
No annual fee
Welcome offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Why we like it
This card earns 2x points per dollar on the first $50,000 in business purchases per year (with 1x point thereafter). That’s an excellent deal for a card that carries no annual fee. Amex Membership Rewards points are valuable when you transfer them directly to any of the Amex transfer partners to book award travel. We estimate Amex points value to be 1.8 cents each — so earning 2 points per dollar is like getting a 3.6% return on all purchases!
Who is it best for?
This card is popular among small business owners who want a respectable rewards-earning rate across all categories without worrying about bonus categories or annual fees. Although it has a set credit limit, business owners who occasionally need to make large purchases will appreciate that Amex offers the ability to spend above your limit.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% – 25.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Pros
- No annual fee
- Solid earning rate
- Extended warranty protection
- Travel accident insurance
Cons
- Lower points-earning rate after spending $50,000 per year
Reward Rate
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
APR
17.99% – 25.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
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IHG® Rewards Premier Credit Card
Annual fee
$99
Welcome offer
Best Points Offer Ever – Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Why we like it
You’ll likely score several reward nights at IHG hotels by earning this card’s welcome bonus (depending on where you stay!). The card’s best feature, however, is its ongoing benefit of one Reward Night worth up to 40,000 IHG points every cardmember year. This could easily be worth $200+ toward a hotel stay. You’ll also get the fourth reward night reward when you redeem points for a stay of four nights or more.
Who is it best for?
Anyone who stays at IHG hotels frequently will appreciate this card’s plentiful opportunities for earning free nights. If you’re interested in perks like complimentary room upgrades and accelerated bonus earnings, you’ll get those with this card, which comes with automatic Platinum IHG status.
And if you’re a big spender, you’ll get 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Best Points Offer Ever – Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 points total per $1 spent when you stay at an IHG hotel
- Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Pros
- Global Entry or TSA PreCheck application credit
- Automatic Platinum IHG status
- No foreign transaction fee
Cons
- Annual fee
- Limited point-redemption options
Reward Rate
- Earn up to 26 points total per $1 spent when you stay at an IHG hotel.
- Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases
APR
20.49% – 27.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
$0
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Delta SkyMiles® Gold American Express Card
Annual fee
$0 introductory annual fee for the first year, then $99.
Welcome offer
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Why we like it
The card’s main feature is its ability to grant you and up to eight passengers on your reservation free checked bags. Bags cost $30+ each way, so if you and a travel buddy check a bag with Delta on just a single round-trip flight each year, the card is worth keeping.
Who is it best for?
The Amex Delta Gold carries a very reasonable annual fee. If you aren’t a frequent Delta traveler, this is a good card to begin with.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
- Enjoy a $0 introductory Annual Fee for the first year, then $99.
- Enjoy your first checked bag free on Delta flights.
- New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
- $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
- See Rates & Fees
Pros
- Manageable annual fee
- Preferred boarding
- Free checked bags
- Low minimum spending requirement
- Amex Offers
Cons
- Mediocre return rate for everyday spending
- No wow-factor benefits like you’ll find on most other Delta cards
Reward Rate
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
APR
20.49%-29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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The World of Hyatt Credit Card
Annual fee
$95
Welcome offer
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Why we like it
This card’s generous welcome bonus gives you enough points for several free nights at a Hyatt hotel (depending on where you stay). Plus, you’ll receive a free night at any Category 1-4 Hyatt hotel after each cardmember anniversary, and another identical free night after spending $15,000 in a cardmember year. You’ll even get Hyatt Discoverist status as long as your card is active!
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good
660
780
Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Pros
- Up to 2 annual free nights at Category 1-4 Hyatt hotels
- Excellent travel and purchase insurance coverage
- No blackout dates on hotel stays booked with points
- Complimentary World of Hyatt Discoverist elite status
Cons
- Annual Fee
Reward Rate
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
APR
20.49% – 27.49% Variable
Credit Needed
Good
Foreign Transaction Fee
$0
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Marriott Bonvoy Business® American Express® Card
Annual fee
$125
Welcome offer
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
Why we like it
This business card delivers a generous welcome bonus when you complete the required spending, and it rewards you 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program. You’ll also get 4 points per dollar on purchases at restaurants worldwide and U.S. gas stations, as well as 2 points per dollar on all other purchases. You’ll receive an annual free-night certificate for a hotels participating in the Marriott Bonvoy program every cardmember anniversary, with the ability to earn a second free night each year when you reach a set spending threshold.
Who is it best for?
Thanks to versatile travel-related redemption options, this card is good for small business owners who like to redeem points for things like Marriott hotel stays, airfare, car rentals, wireless phone services and travel packages.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
- See Rates & Fees
Pros
- 1 free night annually each card renewal month
- 15 elite night credits per year
- Complimentary Gold Elite status
Cons
- Annual fee
- Points are only redeemable for travel-related purchases
Reward Rate
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
APR
20.49% – 29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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Delta SkyMiles® Platinum American Express Card
Annual fee
$250
Welcome offer
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Why we like it
This card’s got a secret weapon that most airline credit cards don’t have: An annual companion certificate. You can add one passenger to a domestic round-trip flight reservation for just the cost of taxes and fees of no more than $80. Depending on how expensive your flight is, this will likely save hundreds and hundreds of dollars!
Who is it best for?
Both casual and more frequent Delta flyers can get fantastic use from this card. By simply using the annual companion certificate each year, you’re practically guaranteed to save hundreds more than you’ll pay in annual fees.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
- New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta flight.
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- Free checked bags
- Annual companion certificate
- Discounted Delta Sky Club airport lounge access
- Ability to earn Delta elite status through spend
Cons
- Higher annual fee
- Low earnings rate on everyday spending
Reward Rate
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
APR
20.49%-29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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The Business Platinum Card® from American Express
Annual fee
$695
Welcome offer
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Why we like it
This card has many central features that make the card worthwhile to just about anyone — but one of the funnest aspects is its offer of comprehensive lounge access. There is no card in existence that grants you entry into more airport lounges (enrollment required), including the famous Centurion Lounges located in many domestic hub airports like San Francisco, Dallas, New York, Denver, etc.
Who is it best for?
You’ll likely need a credit score of 730+ to be approved for this card — and you’ll also need to own a small business to qualify. But you may be eligible without even realizing it! You don’t need to be running a full-time enterprise to qualify for the best business credit cards. Freelance writing on the side, driving for Uber or Lyft, dog walking, or freelance art, etc. can qualify as long as you’re not doing the job as an employee.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- 5X points on flights and prepaid hotels on amextravel.com
- 1.5x points on eligible purchases in select business categories and on eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year.
- Enroll to earn up to $400 in statement credits annually on U.S. purchases with Dell Technologies
Cons
- High annual fee
- You must have a for-profit venture to qualify
Reward Rate
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- 1X points for each dollar you spend on eligible purchases.
APR
18.99% – 26.99% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
N/A
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Hilton Honors American Express Card
Annual fee
$0
Welcome offer
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
Why we like it
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- No Annual Fee.
- Terms Apply.
- See Rates & Fees
Pros
- This card charges no annual fee.
Cons
- Not as beneficial to those who don’t stay at Hilton properties often.
Reward Rate
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
APR
20.49%-29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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The Hilton Honors American Express Business Card
Annual fee
$95
Welcome offer
Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23
Why we like it
Who is it best for?
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
- See Rates & Fees
Pros
- This card charges no foreign transaction fees.
- There are no limits on how many points you can earn.
Cons
- Annual fee is not waived the first year
Reward Rate
- 12X at hotels and resorts in the Hilton portfolio
- 6X on Select Business & Travel Purchases
- 3X on all other eligible purchases. Terms & Limitations Apply.
APR
20.49% – 29.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
N/A
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Wells Fargo Active Cash® Card
Annual fee
$0
Welcome offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Why we like it
It offers a nice welcome bonus and a decent introductory APR period. It also offers a good cash rewards return on purchases.
Who is it best for?
This card is ideal for anyone looking for a simple cash rewards earning card with no annual fee. It offers a lengthy introductory APR offer and cash rewards on purchases without having to keep track of specific bonus categories or timeframes.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
Pros
- Decent welcome bonus
- Intro APR offer
Cons
- Charges a foreign currency conversion fee.
Reward Rate
- Earn unlimited 2% cash rewards on purchases
APR
19.74%, 24.74%, or 29.74% variable APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
3%
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Chase Freedom® Student credit card
Annual fee
$0
Welcome offer
$50 Bonus after first purchase made within the first 3 months from account opening
Why we like it
This is a good beginner card for students with no annual fee, a simple cash back structure and even includes a sign-up bonus.
Who is it best for?
This card is good for students looking to enter the credit card sphere and also earn cash back in the process.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- $50 Bonus after first purchase made within the first 3 months from account opening
- Earn 1% cash back on all purchases
- No annual Fee
- $20 Good Standing Rewards after each account anniversary for up to 5 years
- Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Free credit score with Chase Credit Journey
Pros
- No annual fee
- Opportunity for credit limit increase
Cons
- Minimal cash back return
Reward Rate
- Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
APR
19.49% Variable
Credit Needed
Good to Excellent
Foreign Transaction Fee
3% of each transaction in U.S. dollars
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