Best Cards for August 27, 2026
Whether you’re looking to maximize your rewards, build your credit, or discover the best credit cards of 2025, we’ve got you covered. Here are our top-rated recommendations that will help you pave your path to financial freedom.
American Express® Gold Card
Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
Rewards
4X at Restaurants, Worldwide, on up to $50K in purchases.
4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
3X on flights booked directly with airlines or on amextravel.com.
Card Details
Highlights
- Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
- Earn 4X Membership Rewards® Points at Restaurantst at U.S. supermarkets on up to $25,000 in purchases per year.
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Earn 2X on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com.
- Earn 1X on other eligible purchases.
- $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.
- NEW $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
- NEW $100 Resy Credit: Discover and book restaurants to love with Resy. Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required through your Card Account.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This can be an annual savings of up to $120. Enrollment required.
- The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 experience/property credit1 with every booking of two nights or more through AmexTravel.com.Credit use varies by property.
- Earn More with Amex Offers: Amex Offers helps Card Members earn rewards on purchases for things they love. Customers can browse and add Amex Offers to their eligible Card and earn extra rewards on qualifying purchases with select brands.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees: Enjoy every trip abroad with no foreign transaction fees from American Express with the Gold Card.
- Annual Fee is $325.
- Terms Apply.
Chase Sapphire Preferred® Card
Our Rating:
Annual Fee: $95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
2x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Card Details
Highlights
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 5x total points on travel purchased through Chase TravelSM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. *Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. *Opens offer details overlay Earn 2x on other travel purchases.
- Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services.
- Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.
- Member FDIC.
Capital One Venture X Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Rewards
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Card Details
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
- Earn unlimited 2X miles on all other purchases.
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®.
Capital One Venture Rewards Credit Card
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
Rewards
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Card Details
Highlights
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
- Earn unlimited 2X miles on every purchase, every day.
- Earn unlimited 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.
- 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 $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel.
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection.
- Transfer your miles to your choice of 15+ travel loyalty programs.
American Express® Gold Card
Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
Rewards
4X at Restaurants, Worldwide, on up to $50K in purchases.
4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
3X on flights booked directly with airlines or on amextravel.com.
Card Details
Highlights
- Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
- Earn 4X Membership Rewards® Points at Restaurantst at U.S. supermarkets on up to $25,000 in purchases per year.
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Earn 2X on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com.
- Earn 1X on other eligible purchases.
- $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.
- NEW $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
- NEW $100 Resy Credit: Discover and book restaurants to love with Resy. Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required through your Card Account.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This can be an annual savings of up to $120. Enrollment required.
- The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 experience/property credit1 with every booking of two nights or more through AmexTravel.com.Credit use varies by property.
- Earn More with Amex Offers: Amex Offers helps Card Members earn rewards on purchases for things they love. Customers can browse and add Amex Offers to their eligible Card and earn extra rewards on qualifying purchases with select brands.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees: Enjoy every trip abroad with no foreign transaction fees from American Express with the Gold Card.
- Annual Fee is $325.
- Terms Apply.
Chase Sapphire Preferred® Card
Our Rating:
Annual Fee: $95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
2x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Card Details
Highlights
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 5x total points on travel purchased through Chase TravelSM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. *Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. *Opens offer details overlay Earn 2x on other travel purchases.
- Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services.
- Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.
- Member FDIC.
Capital One Venture X Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Rewards
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Card Details
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
- Earn unlimited 2X miles on all other purchases.
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®.
American Express The Platinum Card®
Earn 80,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your Platinum Card® within the first 6 months of Card Membership.
Rewards
5X on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year.
5X on prepaid hotels booked on AmexTravel.com.
1X on other purchases. Terms and limitations apply.
Card Details
Highlights
- $200 Hotel Credit: Choose from over 2,200 hotels, all handpicked with high standards. Save by getting up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® program or The Hotel Collection1 bookings through American Express Travel when you pay with your Platinum Card®. Plus, each of these bookings comes with complimentary benefits, such as a room upgrade at check-in2, when available, and a complimentary credit valued at $100 to use towards eligible charges, such as food and beverage, spa, or other on-property charges, which varies by property.
- $240 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $20 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal when you purchase directly from one or more of the providers. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.953 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal).
- The Global Lounge Collection: Over $500 of value when you enroll in Priority Pass Select and make multiple visits to select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges each year.
- $200 Uber Cash: Platinum Card® Members can get $15 in Uber Cash for US rides each month, plus a bonus $20 in December4. That can be up to $200 in annual Uber savings.
- $200 Airline Fee Credit: Get up to $200 per calendar year in statement credits after incidental fees are charged by your one selected, qualifying airline to your Card.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card.® That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- $189 CLEAR® Plus Credit: Use your Card to cover cost of a CLEAR Plus Membership, excluding any applicable taxes and fees, and get up to $189 back in statement credits per calendar year (subject to auto-renewal).
- Earn More with Amex Offers: Card Members can explore available Amex Offers to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- Global Dining Access by Resy: Global Dining Access by Resy gives you special access to sought-after restaurants across the globe when you add your Platinum Card® to your Resy profile.
- Card Design Choice: Platinum with a Personal Touch: Our premier offering comes in three designs – classic Platinum, Art x Platinum featuring artwork from Kehinde Wiley, and Art x Platinum featuring artwork from Julie Mehretu. Choose your design when applying.
American Express Blue Cash Everyday® Card
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
Rewards
3% cashback on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
3% cashback on U.S. Online Retail Purchases pn up to $6,000 per year in purchases (then 1%).
3% cashback on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
1% cashback on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
Highlights
- Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases and balance transfers for 15 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase an auto-renewing subscription for Home Chef meal kits with your enrolled Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Events with Amex™: Card Members can enjoy presale and special ticket access to select can’t miss events.
American Express Blue Cash Preferred® Card
Our Rating:
Annual Fee: $0 intro annual fee for the first year, then $95
Rates and Feesl Terms Apply.
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Rewards
6% cashback on groceries. Up to $6,000 per year in purchases at U.S. supermarkets.
6% cashback on select streaming subsriptions.
3% cashback on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
3% on gas at U.S. gas stations.
1% on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
Highlights
- Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases for 12 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- Cash Back at Amazon.com checkout: Shop now and conveniently use cash back at checkout at Amazon.com. Cash back refers to Reward Dollars earned on your Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Your Grocery List Adds Up to Cash Back: If you spend $125 every two weeks at U.S. supermarkets, you could get $195 cash back per calendar year – thanks to 6% cash back at U.S. supermarkets on up to $6K per year in purchases, then 1%.
Chase Freedom Unlimited®
Our Rating:
Annual Fee: $0
Earn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase TravelSM.
Rewards
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3% cash back on dining at restaurants, including takeout and eligible delivery services, and drugstore purchases.
1.5% cash back or more on all other purchases.
Card Details
Highlights
- 0% intro APR for 15 months from account opening on purchases and balance transfers. Opens pricing and terms in new window After the intro period, a variable APR of 20.49%–29.24%. Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- 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 20.49% – 29.24%.
- 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, alerts, and more.
- Member FDIC.
American Express Blue Cash Everyday® Card
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
Rewards
3% cashback on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
3% cashback on U.S. Online Retail Purchases pn up to $6,000 per year in purchases (then 1%).
3% cashback on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
1% cashback on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
Highlights
- Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases and balance transfers for 15 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase an auto-renewing subscription for Home Chef meal kits with your enrolled Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Events with Amex™: Card Members can enjoy presale and special ticket access to select can’t miss events.
American Express® Gold Card
Our Rating:
Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
Rewards
4X at Restaurants, Worldwide, on up to $50K in purchases.
4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
3X on flights booked directly with airlines or on amextravel.com.
Annual Fee
$325
Card Details
- Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
- Earn 4X Membership Rewards® Points at Restaurantst at U.S. supermarkets on up to $25,000 in purchases per year.
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Earn 2X on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com.
- Earn 1X on other eligible purchases.
- $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.
- NEW $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
- NEW $100 Resy Credit: Discover and book restaurants to love with Resy. Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required through your Card Account.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This can be an annual savings of up to $120. Enrollment required.
- The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 experience/property credit1 with every booking of two nights or more through AmexTravel.com.Credit use varies by property.
- Earn More with Amex Offers: Amex Offers helps Card Members earn rewards on purchases for things they love. Customers can browse and add Amex Offers to their eligible Card and earn extra rewards on qualifying purchases with select brands.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees: Enjoy every trip abroad with no foreign transaction fees from American Express with the Gold Card.
- Annual Fee is $325.
- Terms Apply.
Chase Sapphire Preferred® Card
Our Rating:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
2x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Annual Fee
$96
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 5x total points on travel purchased through Chase TravelSM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. *Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. *Opens offer details overlay Earn 2x on other travel purchases.
- Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services.
- Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.
- Member FDIC.
Capital One Venture X Rewards Credit Card
Our Rating:
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Rewards
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Annual Fee
$395
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
- Earn unlimited 2X miles on all other purchases.
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®.
Capital One Venture Rewards Credit Card
Our Rating:
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
Rewards
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Annual Fee
$95
Card Details
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
- Earn unlimited 2X miles on every purchase, every day.
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
- 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 $120 credit for Global Entry or TSA PreCheck®.
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel.
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection.
- Transfer your miles to your choice of 15+ travel loyalty programs.
American Express® Gold Card
Our Rating:
Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
Rewards
4X at Restaurants, Worldwide, on up to $50K in purchases.
4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
3X on flights booked directly with airlines or on amextravel.com.
Annual Fee
$325
Card Details
- Earn 75,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Offer ends 11/6/2024.
- Earn 4X Membership Rewards® Points at Restaurantst at U.S. supermarkets on up to $25,000 in purchases per year.
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Earn 2X on prepaid hotels and other eligible travel purchases, booked through AmexTravel.com.
- Earn 1X on other eligible purchases.
- $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.
- NEW $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
- NEW $100 Resy Credit: Discover and book restaurants to love with Resy. Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. Enrollment required through your Card Account.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This can be an annual savings of up to $120. Enrollment required.
- The Hotel Collection: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 experience/property credit1 with every booking of two nights or more through AmexTravel.com.Credit use varies by property.
- Earn More with Amex Offers: Amex Offers helps Card Members earn rewards on purchases for things they love. Customers can browse and add Amex Offers to their eligible Card and earn extra rewards on qualifying purchases with select brands.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees: Enjoy every trip abroad with no foreign transaction fees from American Express with the Gold Card.
- Annual Fee is $325.
- Terms Apply.
Chase Sapphire Preferred® Card
Our Rating:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
2x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Annual Fee
$96
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 5x total points on travel purchased through Chase TravelSM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. *Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. *Opens offer details overlay Earn 2x on other travel purchases.
- Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services.
- Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.
- Member FDIC.
Capital One Venture X Rewards Credit Card
Our Rating:
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Rewards
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
2 Miles per dollar on every purchase, every day.
Annual Fee
$395
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
- Earn unlimited 2X miles on all other purchases.
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®.
American Express The Platinum Card®
Our Rating:
Earn 80,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your Platinum Card® within the first 6 months of Card Membership.
Rewards
5X on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year.
5X on prepaid hotels booked on AmexTravel.com.
1X on other purchases. Terms and limitations apply.
Card Details
- $200 Hotel Credit: Choose from over 2,200 hotels, all handpicked with high standards. Save by getting up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® program or The Hotel Collection1 bookings through American Express Travel when you pay with your Platinum Card®. Plus, each of these bookings comes with complimentary benefits, such as a room upgrade at check-in2, when available, and a complimentary credit valued at $100 to use towards eligible charges, such as food and beverage, spa, or other on-property charges, which varies by property.
- $240 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $20 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal when you purchase directly from one or more of the providers. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.953 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal).
- The Global Lounge Collection: Over $500 of value when you enroll in Priority Pass Select and make multiple visits to select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges each year.
- $200 Uber Cash: Platinum Card® Members can get $15 in Uber Cash for US rides each month, plus a bonus $20 in December4. That can be up to $200 in annual Uber savings.
- $200 Airline Fee Credit: Get up to $200 per calendar year in statement credits after incidental fees are charged by your one selected, qualifying airline to your Card.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card.® That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- $189 CLEAR® Plus Credit: Use your Card to cover cost of a CLEAR Plus Membership, excluding any applicable taxes and fees, and get up to $189 back in statement credits per calendar year (subject to auto-renewal).
- Earn More with Amex Offers: Card Members can explore available Amex Offers to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- Global Dining Access by Resy: Global Dining Access by Resy gives you special access to sought-after restaurants across the globe when you add your Platinum Card® to your Resy profile.
- Card Design Choice: Platinum with a Personal Touch: Our premier offering comes in three designs – classic Platinum, Art x Platinum featuring artwork from Kehinde Wiley, and Art x Platinum featuring artwork from Julie Mehretu. Choose your design when applying.
American Express Blue Cash Everyday® Card
Our Rating:
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
Rewards
3% cashback on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
3% cashback on U.S. Online Retail Purchases pn up to $6,000 per year in purchases (then 1%).
3% cashback on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
1% cashback on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
- Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases and balance transfers for 15 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase an auto-renewing subscription for Home Chef meal kits with your enrolled Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Events with Amex™: Card Members can enjoy presale and special ticket access to select can’t miss events.
American Express Blue Cash Preferred® Card
Our Rating:
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Rewards
6% cashback on groceries. Up to $6,000 per year in purchases at U.S. supermarkets.
6% cashback on select streaming subsriptions.
3% cashback on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
3% on gas at U.S. gas stations.
1% on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
- Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases for 12 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- Cash Back at Amazon.com checkout: Shop now and conveniently use cash back at checkout at Amazon.com. Cash back refers to Reward Dollars earned on your Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Your Grocery List Adds Up to Cash Back: If you spend $125 every two weeks at U.S. supermarkets, you could get $195 cash back per calendar year – thanks to 6% cash back at U.S. supermarkets on up to $6K per year in purchases, then 1%.
Chase Freedom Unlimited®
Our Rating:
Earn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase TravelSM.
Rewards
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3% cash back on dining at restaurants, including takeout and eligible delivery services, and drugstore purchases.
1.5% cash back or more on all other purchases.
Annual Fee
$0
Card Details
- 0% intro APR for 15 months from account opening on purchases and balance transfers. Opens pricing and terms in new window After the intro period, a variable APR of 20.49%–29.24%. Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- 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 20.49% – 29.24%.
- 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, alerts, and more.
- Member FDIC.
American Express Blue Cash Everyday® Card
Our Rating:
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
Rewards
3% cashback on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
3% cashback on U.S. Online Retail Purchases pn up to $6,000 per year in purchases (then 1%).
3% cashback on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
1% cashback on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Card Details
- Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
- Intro APR & Intro Buy Now, Pay Later Plan It® Fees: Enjoy a low Intro APR on purchases and balance transfers for 15 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.
- $84 Disney Bundle Credit: Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle using your enrolled Card.
- $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase an auto-renewing subscription for Home Chef meal kits with your enrolled Card.
- Send & Split®: With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Events with Amex™: Card Members can enjoy presale and special ticket access to select can’t miss events.
Frequently Asked Questions (FAQs)
What is a credit card?
A credit card is a financial tool that allows you to borrow money up to a set limit for purchases, which you must repay later, either in full or in monthly instalments.
How do credit cards work?
When you use a credit card, the issuer pays the merchant on your behalf. You then repay the issuer either in full (to avoid interest) or over time (with interest charges).
What are the different types of credit cards?
- Rewards credit cards – Earn points, cashback, or travel miles on purchases.
- Cashback credit cards – Provide a percentage of your spending back as cash.
- Balance transfer credit cards – Offer low or 0% introductory APR to help pay off existing debt.
- Secured credit cards – Require a security deposit and help build or rebuild credit.
- Student credit cards – Designed for students with limited credit history.
- Business credit cards – Offer benefits tailored to business expenses.
How do I choose the best credit card?
Consider factors like:
- Interest rates (APR)
- Rewards and benefits
- Fees (annual fee, late payment fee, foreign transaction fees)
- Credit score requirements
- Introductory offers and bonuses
What credit score do I need to get a credit card?
- Excellent credit (740+): Qualifies for the best rewards and lowest interest rates.
- Good credit (670-739): Access to most cards with competitive terms.
- Fair credit (580-669): Fewer options; may require higher fees or a secured card.
- Poor credit (below 580): Limited options, often requiring a secured card.
How do I apply for a credit card?
- Check your credit score.
- Compare credit cards based on your needs. Start here.
- Submit an online application with personal and financial details.
- Wait for approval (instant or a few days).
What should I do if my credit card application is denied?
- Review the reason for denial (provided by the issuer).
- Improve your credit score by paying down debt and making on-time payments. Start here.
- Apply for a secured or credit-building card.
- Limit multiple applications in a short period to avoid lowering your score.
What is an APR on a credit card?
The Annual Percentage Rate (APR) is the interest rate charged on unpaid balances. A lower APR means lower interest costs.
How can I avoid paying interest on my credit card?
Pay your balance in full by the due date each month. Interest applies only to carried-over balances.
What happens if I only make the minimum payment?
You’ll avoid late fees but will still accrue interest on the remaining balance, making it more expensive to pay off your debt over time.
What are common credit card fees?
- Annual fee – Charged yearly for some premium cards.
- Late payment fee – If you miss a payment.
- Balance transfer fee – Usually 3% – 5% of the transferred balance.
- Foreign transaction fee – Charged on international purchases (typically 1% – 3%).
- Cash advance fee – Charged when withdrawing cash from your credit limit.
How can I maximize credit card rewards?
- Choose a card that aligns with your spending habits.
- Take advantage of sign-up bonuses.
- Use category-specific cards (travel, dining, gas, etc.).
- Pay your bill in full to avoid interest.
How do balance transfers work?
A balance transfer moves debt from one credit card to another, usually with a lower interest rate. Some cards offer 0% APR for an introductory period, helping you pay off debt faster.
What is a secured credit card?
A secured card requires a refundable security deposit, which acts as your credit limit. It’s designed to help build or rebuild credit.
Can using a credit card improve my credit score?
Yes, if you:
- Make on-time payments.
- Keep your credit utilization low (below 30%).
- Maintain a long credit history.
What should I do if my credit card is lost or stolen?
- Report it to your issuer immediately.
- Monitor your account for unauthorized transactions.
- Request a replacement card.