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Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Amtrak Guest Rewards® World Mastercard®: Rewarding to Dedicated Amtrak Travelers

Image of Amtrak Guest Rewards® World MasterCard®
89
"An excellent card for dedicated Amtrak travelers."

Contents

The Bank of America Amtrak Guest Rewards® World Mastercard® is a stellar credit card for consumers who frequently travel with its affiliated railroad. Individuals looking for a card to replace their old Chase Amtrak credit card should be relieved – this card is arguably an even better offering than its predecessor.

Good For.. Bad For…
  • Frequent Amtrak Customers
  • Use outside of the United States (No FX fee)
  • Someone looking for a more flexible rewards program

Review: Is The Amtrak Guest Rewards® World Mastercard® Worth It?

The Amtrak Guest Rewards® World Mastercard® offers fantastic value to individuals who travel with the railroad company. The more money you charge to this card, the more Amtrak points you’ll earn – all of which can be used towards paying for future Amtrak travel. If you tend to travel with one or more people, the card also offers up an annual companion coupon, which will allow one person on your reservation to travel for free. If taken advantage of, all these benefits combined make the Amtrak credit card a strong contender.

To those readers looking for a replacement for their old Chase Amtrak credit card, the Bank of America version is a worthy candidate, despite the $79 annual fee. If you take advantage of either of the annual loyalty benefits, the $79 fee becomes justifiable. On top of this, the Bank of America Amtrak credit card offers more generous rewards on spending than the Chase card ever did.

If you’re looking for a more flexible travel rewards credit card, the Chase Sapphire Preferred® Card makes for a better option. Amtrak rewards points can be transferred to a few other programs, though we recommend against such a move, as it will almost always result in your point being devalued.

Bottom Line: If you travel with Amtrak at least once a year, this Bank of America Amtrak credit card is a good investment for you. Between the rewards it offers on different spending, and the loyalty cardmember benefits, the card certainly pulls its weight, and serves as a decent addition to one’s wallet.

Amtrak Guest Rewards® World Mastercard® Benefits & Features

The Amtrak credit card is a great way of earning extra Amtrak Guest Rewards points. Shopping with the card earns you 3 points for every $1 spent on Amtrak travel, 2 points per $1 on general travel spending, and 1 point per $1 elsewhere.

Image of Amtrak Guest Rewards® World MasterCard®
Annual Fee $79
Purchase APR 12.99% to 22.99% Variable
Card Details
  • Get 20,000 bonus points after you spend $1,000 in purchases on your new card within 90 days of account opening
  • 3 Amtrak Guest Rewards points for every $1 you spend with Amtrak
  • 2 points per $1 spent on all other eligible travel purchases
  • 1 point per $1 on all other purchases
  • To welcome you to your new card, you'll also receive a complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass

In addition to the above, cardholders can also earn 20,000 bonus points, if they spend at least $1,000 in purchases within 90 days of account opening. If you’re using the card to purchase Amtrak tickets, you will earn these points on top of the base Guest Rewards program (2 points per $1). This bonus is enough to pay for a roundtrip with Amtrak, within the Northeastern zone, within one zone, or between two zones. We estimate its value to be around $520 - based on the calculations shown below.

What Are Amtrak Rewards Points Worth?

On average, the value of a single Amtrak Guest Rewards point is $0.026 – more than the typical rewards points. At surface level, the points earned through the Amtrak credit card can be used to pay for travel with the railroad. The value of your points will differ, however, based upon the redemption option you go with. The table below shows some sample round-trip itineraries for coach nights.

From To USD Points USD/Point
New York City Washington, DC  $88  4,000 $0.022
Newark Jacksonville  $134  5,500 $0.024
Chicago San Diego  $259  8,000 $0.032
Boston Los Angeles  $276  10,500 $0.026
Average: $0.026

If you use points to pay for Amtrak travel, you will receive 5% of those points as a rebate. Doing so will boost the value of individual points, ever so slightly. With the rebate, your average per point value comes out to $0.028. At these rates, the rewards rate of the Amtrak credit card comes out to anywhere between 2.6% and 8.4% (if you're using the card to get 3 points per $1). This is significantly higher than even the best rewards credit cards - though keep in mind your rewards will take a rather limited form (exchangable for mostly more Amtrak rides).

Transferring Amtrak Rewards Points

For the most part, transferring your Amtrak Rewards points to other programs is not a worthwhile venture. The points earned through the Amtrak credit card can be transferred to one of three hotel programs: Choice Privileges, Hilton HHonors, and Starwood Preferred Guest.

Loyalty Program Reward Amtrak Points Needed
Choice Privileges 15,000 Choice Privileges Points 5,000
Hilton Hhonors 10,000 Hilton Hhonors Points 5,000
Starwood One Night Stay at Category 1 Hotel 10,000
Starwood One Night Stay at Category 2 Hotel 15,000
Starwood One Night Stay at Category 3 Hotel 22,500
Starwood One Night Stay at Category 4 Hotel 27,500

Due to the low value of Choice Privilege and Hilton HHonors points, it is not immediately useful to move your Amtrak points to either of these currencies – at the end of the day, you’d be loosing, on average, approximately 50% of your total value. Furthermore, the using your Amtrak points to pay for Starwood hotel stays is also unfavorable to consumers - resulting in a per-point value well below $0.01. For example, one night at the Sheraton Phoenix Downtwon Hotel (Category 4), costs $99 - or 27,500 Amtrak points. This comes out to a value of $99 / 27,500 = $0.0036 per point.

Certain travel hackers may be able to find deals such that a move to one of these other rewards programs may be beneficial. However, this would require a significant time investment, and a lot of planning.

Tier Qualifying Points (TQP)

For every $5,000 you spend on your Amtrak credit card, you can earn 1,000 Tier Qualifying Points (TQPs), which count towards earning status with Amtrak. Unlocking different tiers of this elite membership grants access to additional benefits and perks. Normally, to earn TQPs one needs to travel with Amtrak – using the card to make everyday purchases can help shortcut this process.

‘Select Membership’ – the lowest tier – requires 5,000 TQPs. This status comes with a 25% bonus to the base (non-credit card rewards) Amtrak points you earn. With 10,000 TQPs earned in a single year, your base rate goes up by 50%, with Select Plus membership. The highest tier, Select Executive, is achieved with 20,000 TQPs, and gives 100% bonus on points earned through Amtrak trips.

Companion Coupon & One-Class Upgrade

When you first sign-up for the Amtrak credit card, you receive a slew of welcome gifts, including a free Companion Coupon, One-Class Upgrade, and a single-day ClubAcela® pass. Furthermore, the first two benefits mentioned – the companion coupon and one-class upgrade – will be awarded to cardholders in good standing, each account anniversary.

The Companion Coupon allows you to take one person with you on your journey, free of charge. This can prove to be a fantastic value, as it can save $100+ annually (assuming a roundtrip ride). If used, this benefit can easily cover the cost of the card’s $79 annual fee. The savings is, of course, directly proportional to cost of the trip. The more Amtrak zones you move through in your trip, the more expensive the tickets become. Note that this Companion Coupon is only usable for 1 reservation per year.

The One-Class upgrade can be used to move up from coach to business class, on a single, one-way trip per year. That is, if you book a round-trip itinerary, only one leg of it will be eligible for the upgrade. The class upgrade can also move passengers up from Acela Business class to Acela First class. To show you the potential monetary value of such an upgrade, we looked at a sample ride between NYC and Washington DC. A coach ticket costs $52, for one leg of the journey. A Business Class seat, for that same trip, costs $197. Therefore, you could potentially get a $145 value out of this small perk.

How Does The Amtrak Guest Rewards® World Mastercard® Compare to Other Credit Cards?

It’s impossible to get a sense of a card’s value in a vacuum. For this reason, we compared the Amtrak Guest Rewards® World Mastercard® to some other leading options.

Amtrak Guest Rewards® World Mastercard® vs Amtrak Guest Rewards® Platinum Mastercard®

Image of Amtrak Guest Rewards® Platinum Mastercard®

The Amtrak Guest Rewards® Platinum Mastercard® is a ‘no annual fee’ version of the Amtrak Guest Rewards® World Mastercard®. As such, the rewards of this card are dwarfed. Most notably, the Amtrak Guest Rewards® Platinum Mastercard® does not offer any companion coupon, one-class upgrade, or ClubAcela® pass. If you have use for either the companion pass, or one-class upgrade, at least once every year, then the Amtrak Guest Rewards® World Mastercard® is the better card. Otherwise, you will need to weigh whether you spend enough money on non-Amtrak travel purchases, in order to justify the $79 annual fee. If your annual budget here exceeds $2,080, paying the fee becomes worthwhile.

Amtrak Guest Rewards® World Mastercard® vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred®, one of the best travel rewards credit cards, has historically been a good choice for those who travel with Amtrak. The Chase Ultimate Rewards points you earn with the Chase Sapphire Preferred® Card could be transferred to the Amtrak rewards program. However, at the end of 2015, Amtrak and Chase Ultimate Rewards are no longer partnered, and will not be transferrable. If a majority of the travel you do is restricted to Amtrak, then the Chase Sapphire Preferred® Card won’t offer a good value – we recommend the Amtrak credit card in its stead. 

Comparison Tool

Those of you who wish to receive a more personalized credit card recommendation may way to make use of our credit card comparison tool below. Enter your estimated monthly expenses by category, and we will do all the math for you – calculating the estimated returns from each credit card.

Assumptions Based On Monthly Spend of: $1,430 Edit
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U.S. Gas Stations:
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Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Southwest Rapid Rewards® Plus Card
$69 3.92%
$901
Earn 50,000 bonus points after spending $2,000 in first 3 months of opening your account
$1,346
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Bonuses
50,000 x $0.017 = $850
3,000 x $0.017 = $51
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 1,346

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $69
APR 17.24% - 24.24% Variable

Card Details

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No blackout dates or seat restrictions
  • Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Southwest Rapid Rewards® Premier Credit Card
$99 3.90%
$952
Get 50,000 points after you spend $2,000 on purchases in the first 3 months of opening your account
$1,337
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Bonuses
50,000 x $0.017 = $850
6,000 x $0.017 = $102
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,337

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $99
APR 17.24% - 24.24% Variable

Card Details

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
The Hyatt Credit Card
$75 3.63%
$700
Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
$1,247
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $697
Bonuses
40,000 x $0.018 = $700
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 1,247

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 17.24% - 24.24% Variable

Card Details

  • Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
  • Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Get Bonus Points on every purchase. Free nights start at just 5,000 points.
  • 3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
  • 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open.
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.87%
$600
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
$1,329
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 34,320 x $0.024 = $824
Bonuses
25,000 x $0.024 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,329

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 16.49%-20.49% Variable
*Rates and Fees

Card Details

  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See Rates & Fees
United MileagePlus® Explorer Card
$0 Intro for First Year, then $95 3.16%
$700
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
$1,085
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $480
Bonuses
50,000 x $0.014 = $700
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,085

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for First Year, then $95
APR 17.24% - 24.24% Variable

Card Details

  • Limited time offer - ends 3/15/18
  • 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.
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • No foreign transaction fees
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for the First Year, then $95
APR 17.24% - 24.24% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Capital One® Venture® Rewards Credit Card
$0 intro for first year; $95 after that 3.18%
$500
Receive 50,000 miles once you spend $3,000 within the first 3 months
$1,091
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,091

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 14.24% - 24.24% (Variable)

Card Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Citi® Hilton HHonors™ Reserve Card
$95 2.40%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.99%

Card Details

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise
  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap
Citi ThankYou® Premier Card
$0 Intro Annual Fee for the first year then $95 2.50%
$360
Earn 30,000 bonus points after $3,000 in purchases made with your card in the first 3 months the account is open.
$858
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 49,440 x $0.012 = $593
Bonuses
30,000 x $0.012 = $360
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 858

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 14.24%, 17.99% - 23.24% Variable

Card Details

  • Earn 3 ThankYou Points for every dollar spent on travel purchases, including gas
  • Earn 2 ThankYou Points for every $1 spent dining out or on entertainment
  • Earn 1 ThankYou Point for each dollar spent elsewhere
  • No foreign transaction fees
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance
Hilton Honors Ascend Card from American Express
$95 2.84%
$375
$973
Graph Card More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 157,680 x $0.005 = $788
Bonuses
75,000 x $0.005 = $375
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 973

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 16.99%-25.99% Variable
*Rates and Fees

Card Details

  • Earn 75,000 Bonus Points after you spend $2,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
Discover it® Miles
$0 2.25%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 24.24% Variable

Card Details

  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Uber Visa Card
No Annual Fee 1.77%
$100
$609
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 50,880 x $0.01 = $509
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 609

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

  • 4% back on dining at restaurants, takeout, bars and UberEats
  • 3% back on hotel and airfare
  • 2% back for online purchases, including Uber, online shopping, video and music streaming services
  • 1% back on everything else
  • $100 cash back when you spend at least $500 on purchases within the first 90 days
  • Up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year
  • Up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card
  • Receive invites to exclusive events and offers in select U.S. cities
  • No foreign transaction fees
  • Redeem points for Uber credits, gift cards, or cash back
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.18%
$500
Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening
$748
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise
  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year
TD First Class℠ Visa Signature® Credit Card
Image of TD First Class℠ Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $89 1.79%
$250
Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases
$615
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 45,360 x $0.01 = $454
Bonuses
25,000 x $0.01 = $250
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 615

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $89
APR 14.24%

Card Details

  • Earn 15,000 bonus miles with your first purchase, plus earn 10,000 bonus miles when you spend $3,000 in the first 6 billing cycles after account opening
  • 3% rewards rate on dining and travel purchases
  • 1% rewards rate on all other eligible purchases
  • No foreign transaction fee
  • 0% introductory APR for first 12 billing cycles after account opening. After that, 14.24%
BankAmericard Travel Rewards® Credit Card
No Annual Fee 2.08%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.99% - 22.99% Variable

Card Details

  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned
IHG® Rewards Club Select Credit Card
$0 Intro Annual Fee for the first year then $49 2.17%
$480
Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
$746
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $315
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$49
Total Net Estimated Rewards Through 24 Months 746

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $49
APR 17.24% - 24.24% Variable

Card Details

  • Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49
Capital One® Savor℠ Cash Rewards Credit Card
$0 1.99%
$150
$150 once you spend $500 on purchases within the first 3 months
$683
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 53,280 x $0.01 = $533
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 683

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 15.74% - 24.49% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

HSBC Cash Rewards Mastercard®
$0 1.94%
$150
$150 Cash Back For new HSBC Cash Rewards Mastercard® credit card customers who spend $500 or more in new, net card purchases during the first 3 months from account opening
$665
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR Variable APR of 14.24%, 18.24% or 24.24%
*Rates and Fees

Card Details

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.94%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.24% - 24.24% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

TRIO℠ Credit Card
No Annual Fee 1.98%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$681
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 58,080 x $0.01 = $581
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 681

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
Capital One® VentureOne® Rewards Credit Card
$0 1.83%
$200
Receive 20,000 miles once you spend $1,000 within the first 3 months
$629
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,900 x $0.01 = $429
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 629

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 23.24% (Variable)

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn unlimited 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.82%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases
PlayStation® Card from Capital One®
$0 1.47%
$50
Earn a $50 PlayStation(TM) Store Code after your first card purchase within 90 days from account opening
$504
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 45,360 x $0.01 = $454
Bonuses
0 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 504

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 15.24% - 24.99% (Variable)

Card Details

  • Earn a $50 PlayStation™ Store Code after your first card purchase within 90 days from account opening
  • 5 points per $1 spent on all PlayStation™ Store purchases
  • 5 points per $1 spent on PlayStation® and Sony® products at authorized retailers with purchase confirmation
  • 3 points per $1 spent on your monthly mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for PlayStation and Sony products, games, exclusive experiences and more
  • 50% back as a statement credit on a 12-month PlayStation® Plus Membership after you spend $3,000 in a year
  • 10% back as a statement credit on the following entertainment services: PlayStation® Vue, PlayStation® Music and PlayStation® Now

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.77%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free
Premier Rewards Gold Card from American Express
Introductory annual fee of $0 for the first year, then $195. 1.69%
$250
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
$581
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 52,560 x $0.01 = $526
Bonuses
25,000 x $0.01 = $250
0 x $0.01 = $0
Less Annual Fees -$195
Total Net Estimated Rewards Through 24 Months 581

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee Introductory annual fee of $0 for the first year, then $195.
APR N/A
*Rates and Fees

Card Details

  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
TD Cash Credit Card
Image of TD Cash Credit Card No Annual Fee 1.45%
$100
$150 cash back when you spend $500 within 90 days after account opening
$498
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 498

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.99% or 23.99% Variable

Card Details

  • $150 cash back when you spend $500 within 90 days after account opening
  • 2% cash back on dining purchases from your local deli to fast food, coffee shops, casual restaurants and fine dining
  • 1% cash back on all other eligible purchases
  • No foreign transaction fee
  • 0% introductory APR for first 12 billing cycles after account opening. After that, 13.99%, 18.99% or 23.99%
Hawaiian Airlines® World Elite Mastercard®
$89 1.50%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$515
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 515

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99%, 20.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
  • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • No foreign transaction fees
Ritz-Carlton Rewards Credit Card
$395 1.47%
$930
Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
$504
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $395
APR 15.99%

Card Details

  • Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year
Discover it® ­- Cashback Match™
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 24.24% Variable

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® ­- 18 Month Balance Transfer Offer
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 24.24% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 24.24% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it® Card
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.24% - 24.24% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Discover it® for Students
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.24% - 23.24% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome for Students
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.24% - 23.24% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured Card ­- No Annual Fee
$0 1.50%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.24% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
AAdvantage® Aviator™ Red Mastercard®
$95 1.15%
$0
$393
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.99%, 19.99% or 24.99% Variable

Card Details

  • 2X miles for every dollar spent on eligible US Airways and American Airlines purchases. 1x mile for every 1 dollar spent on all other purchases.
  • 1 Free Checked Bag
  • Whenever you redeem, you’ll receive 10% of your redeemed miles back
  • Priority boarding
  • No Foreign Transaction Fees
  • 25% in-flight savings on food, beverages, and headsets on US Airways and AA operated flights
Capital One® QuicksilverOne® Credit Card
$39 1.27%
$0
$437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Sony® Card from Capital One®
$0 1.15%
$50
Earn a $50 Statement Credit after your first card purchase within 90 days from account opening
$393
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 15.24% - 24.99% (Variable)

Card Details

  • Earn a $50 Statement Credit after your first card purchase within 90 days from account opening
  • 5 Sony Rewards points per $1 spent on select entertainment purchases including digital streaming and subscription services, concert and sporting events, music and video downloads and movie and theater tickets
  • 5 points per $1 spent on Sony® products at authorized retailers with purchase confirmation
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, exclusive experiences & more
  • 0% intro APR on purchases until August 2018, 15.24% - 24.99% variable APR after that
  • No annual fee

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

National Geographic Platinum Edition® Visa®
No Annual Fee 1.15%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$393
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Disney Rewards Visa® Credit Card
Image of Disney Rewards Visa® Credit Card No Annual Fee 1.15%
$50
Earn a $50 statement credit after first purchase
$393
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99%

Card Details

  • Earn a $50 statement credit after first purchase
  • 1% in Disney Dream Reward Dollars® for every $1 spent
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
Expedia®+ Voyager Card from Citi
$95 0.79%
$178
Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
$270
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.007 = $283
Bonuses
25,000 x $0.007 = $178
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 270

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 13.99%, 15.99% or 21.99% Variable

Card Details

  • Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
  • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ gold status
  • No FX Fee
  • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee
Disney Premier Visa® Credit Card
$49 1.01%
$100
Earn $100 Disney gift card after spending $500 in the first three months
$345
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $100
Less Annual Fees -$98
Total Net Estimated Rewards Through 24 Months 345

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $49
APR 15.99%

Card Details

  • Earn $100 Disney gift card after spending $500 in the first three months
  • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
  • 1% in Disney Dream Dollars® for every $1 spent otherwise
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World
Journey® Student Rewards from Capital One®
$0 1.00%
$0
$343
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Deserve® Edu Mastercard For Students
No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

  • 1% unlimited cash back on All purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading ($49.99 value)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel
  • Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
Miles & More® World Elite Mastercard®
Image of Miles & More® World Elite Mastercard® $89 0.88%
$0
$302
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $480
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 302

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • 50,000 award miles after qualifying transactions
  • 1 mile for every $1 spent
  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
Celebrity Cruises® Visa Signature® Credit Card
$69 0.89%
$100
Get 10,000 MyCruise Points after making a transaction within 65 days of account opening; $300 discount off a future cruise of at least 7 nights or more in a Concierge Class stateroom, after $5,000 in transactions within your first 60 days
$305
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
10,000 x $0.01 = $100
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 305

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $69
APR 12.99% to 22.99% Variable

Card Details

  • 2 MyCruise Points per $1 on qualifying Celebrity, Royal Caribbean and Azamara purchases
  • 1 point per $1 on all other purchases
  • No foreign transaction fees for non-US transactions
AAdvantage® Aviator™ Silver World Elite Mastercard®
$195 0.56%
$0
$193
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Less Annual Fees -$390
Total Net Estimated Rewards Through 24 Months 193

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $195
APR 15.99%, 19.99% or 124.99% Variable

Card Details

  • 3X miles for every dollar spent on eligible US Airways and American Airlines purchases. Earn 2X miles for every dollar spent on eligible hotels and car rentals. 1x mile for every 1 dollar spent on all other purchases.
  • Apply for Global Entry with TSA Pre_™ and, upon approval, experience expedited, more efficient security screenings, moving you smoothly through U.S. customs when returning from traveling abroad.
  • Pay for the $100 Global Entry application fee with your card and you’ll automatically receive a $100 statement credit 2-3 weeks after your transaction.
Citi Prestige® Card
$450 0.47%
$532
Earn 40,000 bonus ThankYou points after you spend $3000
$162
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $530
Bonuses
40,000 x $0.013 = $532
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 162

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
  • 1 point per $1 elsewhere
  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
Penfed Promise Visa® Card
No Annual Fee 0.29%
$100
$100 bonus statement credit when you spend $1,500 on purchases in the first 90 days.
$100
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 8.99% to 17.99% Variable

Card Details

Capital One® Platinum Credit Card
$0 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

US Bank College Visa® Card
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.99% - 20.99% Variable

Card Details

US Bank Visa® Platinum Card
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges
Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

HSBC Gold Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR Variable APR of 12.24%, 16.24% or 20.24%
*Rates and Fees

Card Details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Barclaycard Ring™ Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 10.24% Variable

Card Details

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Citi® / AAdvantage® Executive World Elite™ Mastercard®
$450 -1.27%
$0
Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
$-437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap
Mastercard® Black Card™
$495 -1.38%
$0
Earn 25,000 bonus points after spending $1,500 in first 90 days
$-475
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Less Annual Fees -$990
Total Net Estimated Rewards Through 24 Months -475

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $495
APR 16.24% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
The Platinum Card® from American Express
$550 -2.21%
$0
Earn 60,000 points after you spend $5,000 on purchases on your new card in your first 3 months
$-757
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 34,320 x $0.01 = $343
Less Annual Fees -$1,100
Total Net Estimated Rewards Through 24 Months -757

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $550
APR N/A
*Rates and Fees

Card Details

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
  • See Rates & Fees

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Hilton Honors™ Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Delta Reserve for Business Credit Card from American Express has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.