Best credit card for rewards
Rewards
Chase Sapphire Preferred® Card
- On Chase's Secure Website
APR
15.99% - 22.99% Variable
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.
- 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
{"annualFee":"$95","apr":"15.99% - 22.99% Variable","bannerDisclaimers":["On Chase's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn up to $50 in statement credits towards grocery store purchases.\u003C\/li\u003E\u003Cli\u003E2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.\u003C\/li\u003E\u003Cli\u003EGet 25% more value when you redeem for travel through Chase Ultimate Rewards\u00ae. For example, 60,000 points are worth $750 toward travel.\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself Back\u2120, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\u003C\/li\u003E\u003Cli\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003EEarn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Rewards","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4288.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/92?url=_best-credit-cards","name":"Chase Sapphire Preferred\u00ae Card"}
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases.
Our thoughts
Unfortunately, rewards cards aren't always rewarding. But the Chase Sapphire Preferred® Card card is. In exchange for a very reasonable $95 annual fee, it offers high-value points that are easy to earn and easy to redeem, not to mention solid benefits and an enticing sign-up bonus. Whether you're a newcomer to the world of rewards cards or a rewards veteran whose wallet is flush with points-earning plastic, the Chase Sapphire Preferred® Card inherent flexibility makes it easy to turn today's purchases into tomorrow's perks – especially if you spend heavily on travel and restaurants.
If you'd rather not keep track of bonus categories, the Capital One Venture Rewards Credit Card card might be a better choice; for the same annual fee, its straightforward-earning structure allows you to earn rewards at the same flat rate regardless of purchase category. However, the Chase Sapphire Preferred® Card remains a superior choice, because its points are worth more – up to 1.25 cents per point compared to 1 cent per mile for the Venture® card.
Benefits:
-
Earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
-
Receive 25% more value when you redeem rewards for travel – e.g., airfare, hotels, car rentals, cruises – through Chase's Ultimate Rewards® portal. For example, 60,000 points are worth $750
-
Transfer points to a number of travel loyalty programs at a 1:1 ratio. Travel partners include airlines like British Airways Executive Club, JetBlue TrueBlue, Southwest Airlines Rapid Rewards® and United MileagePlus®, as well as hoteliers like Marriott Bonvoy™, IHG® Rewards Club and World of Hyatt®.
-
Offers primary rental car insurance when you put the cost of a car rental on your card. Most cards offer only secondary insurance policies that kick in after your personal insurance.
-
You also get trip cancellation/interruption insurance, baggage delay insurance and trip delay reimbursement in case you need to stay overnight at a hotel due to a delayed flight.
-
No foreign transaction fees.
-
Unique partner benefits, including a year's free subscription for DoorDash and 5 points per dollar spent on Lyft rides through March 2022.
-
Coronavirus updates. Until April 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.
-
Until April 30, 2021, cardholders will earn 2X on up to $1,000 in monthly grocery store purchases.
-
Until Dec. 31, 2021, get back up to $60 on an eligible Peloton Digital or All-Access Membership to get full access to workout classes using your phone, tablet or TV.
Drawbacks:
-
The card has a $95 annual fee – which isn't cheap. And yet, it's actually quite reasonable relative to premium rewards cards, which generally charge annual fees up to five times as high.
-
The card requires spending $4,000 within three months in order to receive the sign-up bonus. Depending on your budget and spending habits, that might be a stretch.
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22.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn up to $50 in statement credits towards grocery store purchases.\u003C\/li\u003E\u003Cli\u003E2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.\u003C\/li\u003E\u003Cli\u003EGet 25% more value when you redeem for travel through Chase Ultimate Rewards\u00ae. For example, 60,000 points are worth $750 toward travel.\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself Back\u2120, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\u003C\/li\u003E\u003Cli\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003EEarn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99% - 22.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\\u00ae. Plus earn up to $50 in statement credits towards grocery store purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003E2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 25% more value when you redeem for travel through Chase Ultimate Rewards\\u00ae. For example, 60,000 points are worth $750 toward travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Pay Yourself Back\\u2120, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Rewards\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4288.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards\u00ae. Plus earn a $50 statement credit towards grocery store purchases.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EUnfortunately, rewards cards aren't always rewarding. But the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card: Does It Live Up To The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E card is. In exchange for a very reasonable $95 annual fee, it offers high-value points that are easy to earn and easy to redeem, not to mention solid benefits and an enticing sign-up bonus. Whether you're a newcomer to the world of rewards cards or a rewards veteran whose wallet is flush with points-earning plastic, the Chase Sapphire Preferred\u00ae Card inherent flexibility makes it easy to turn today's purchases into tomorrow's perks \u2013 especially if you spend heavily on travel and restaurants.\u003C\/p\u003E\n\n\u003Cp\u003EIf you'd rather not keep track of bonus categories, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Venture\u00ae Rewards Credit Card\" href=\"https:\/\/www.valuepenguin.com\/capital-one-venture-rewards-credit-card\"\u003ECapital One Venture Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E card might be a better choice; for the same annual fee, its straightforward-earning structure allows you to earn rewards at the same flat rate regardless of purchase category. However, the Chase Sapphire Preferred\u00ae Card remains a superior choice, because \u003Cstrong\u003Eits points are worth more \u2013 up to 1.25 cents per point compared to 1 cent per mile for the Venture\u00ae card\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive 25% more value when you redeem rewards for travel \u2013 e.g., airfare, hotels, car rentals, cruises \u2013 through Chase's Ultimate Rewards\u00ae portal. For example, 60,000 points are worth $750\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003ETransfer points\u003C\/a\u003E\u003C\/span\u003E to a number of travel loyalty programs at a 1:1 ratio. Travel partners include airlines like British Airways Executive Club, JetBlue TrueBlue, Southwest Airlines Rapid Rewards\u00ae and United MileagePlus\u00ae, as well as hoteliers like Marriott Bonvoy\u2122, IHG\u00ae Rewards Club and World of Hyatt\u00ae.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Offers \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Card Rental Car Insurance: What Is It? How Does It Work?\" href=\"https:\/\/www.valuepenguin.com\/credit-card-rental-car-insurance\"\u003Eprimary rental car insurance\u003C\/a\u003E\u003C\/span\u003E when you put the cost of a car rental on your card. Most cards offer only secondary insurance policies that kick in after your personal insurance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You also get trip cancellation\/interruption insurance, baggage delay insurance and trip delay reimbursement in case you need to stay overnight at a hotel due to a delayed flight.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Foreign Transaction Fee: What is it? How does it work?\" href=\"https:\/\/www.valuepenguin.com\/credit-card-foreign-transaction-fees\"\u003Eforeign transaction fees\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unique partner benefits, including a year's free subscription for DoorDash and 5 points per dollar spent on Lyft rides through March 2022.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoronavirus updates.\u003C\/strong\u003E Until April 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until April 30, 2021, cardholders will earn 2X on up to $1,000 in monthly grocery store purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until Dec. 31, 2021, get back up to $60 on an eligible Peloton Digital or All-Access Membership to get full access to workout classes using your phone, tablet or TV.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card has a $95 annual fee \u2013 which isn't cheap. And yet, it's actually quite reasonable relative to premium rewards cards, which generally charge annual fees up to five times as high.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card requires spending $4,000 within three months in order to receive the sign-up bonus. Depending on your budget and spending habits, that might be a stretch.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best cashback credit card
Cash back
Citi® Double Cash Card – 18 month BT offer
- On Citibank's Secure Website
APR
13.99% – 23.99% (Variable)
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Our thoughts
If you think cash – or rather, cash back – is king, then the Citi® Double Cash Card – 18 month BT offer card is royalty. Although it doesn't offer a sign-up bonus, its cashback benefits are incentive enough to open an account: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
The card doesn't offer any unique perks, but it does have at least one major benefit for cardholders who are carrying a balance on another card: It promises an introductory APR of 0% for 18 months on Balance Transfers (a 13.99% – 23.99% (Variable) APR applies thereafter), provided transfers are completed within four months of opening an account. A balance transfer fee – 3% of each balance transfer; $5 minimum. – applies, and transfers don't receive cash back. Nevertheless, it's an attractive offer that makes this a worthwhile cashback card for anyone who wants to both save and make money.
Benefits:
-
$0 annual fee.
-
One of the highest flat-rate cashback cards.
-
Receive an intro APR of 0% for 18 months on Balance Transfers (13.99% – 23.99% (Variable) thereafter).
-
No caps and no category limits.
-
You can redeem your rewards in the form of a statement credit, direct deposit or check, or you can convert them to Citi ThankYou® points – which you can redeem for gift cards, merchandise or travel – at a rate of $1 per 100 points.
Drawbacks:
-
There is no sign-up bonus.
-
The card offers no meaningful perks or benefits.
-
Half of your cash back isn't earned until purchases are paid for.
-
Your rewards expire if your account is inactive for 12 months.
-
You must have a cash rewards balance of at least $25 to redeem your cash rewards for a check, statement credit or direct deposit.
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class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/710?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99% \u2013 23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99% \\u2013 23.99% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Cash back\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you think cash \u2013 or rather, cash back \u2013 is king, then the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E card is royalty. Although it doesn't offer a sign-up bonus, its cashback benefits are incentive enough to open an account: \u003Cstrong\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe card doesn't offer any unique perks, but it does have at least one major benefit for cardholders who are carrying a balance on another card: It promises an introductory APR of 0% for 18 months on Balance Transfers (a 13.99% \u2013 23.99% (Variable) APR applies thereafter), provided transfers are completed within four months of opening an account. A balance transfer fee \u2013 3% of each balance transfer; $5 minimum. \u2013 applies, and transfers don't receive cash back. Nevertheless, it's an attractive offer that makes this a worthwhile cashback card for anyone who wants to both save and make money.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n One of the highest flat-rate cashback cards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive an intro APR of 0% for 18 months on Balance Transfers (13.99% \u2013 23.99% (Variable) thereafter).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No caps and no category limits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You can redeem your rewards in the form of a statement credit, direct deposit or check, or you can convert them to Citi ThankYou\u00ae points \u2013 which you can redeem for gift cards, merchandise or travel \u2013 at a rate of $1 per 100 points.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is no sign-up bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card offers no meaningful perks or benefits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Half of your cash back isn't earned until purchases are paid for.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your rewards expire if your account is inactive for 12 months.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must have a cash rewards balance of at least $25 to redeem your cash rewards for a check, statement credit or direct deposit.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best business credit card
Business
Capital One Spark Cash for Business
- On Capital One's Secure Website
Annual Fee
$0 intro for first year; $95 after that
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
{"annualFee":"$0 intro for first year; $95 after that","apr":"20.99% (Variable)","bannerDisclaimers":["On Capital One's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions\u003C\/li\u003E\u003Cli\u003EPurchase above your credit limit with no hassle and no over-limit fees\u003C\/li\u003E\u003Cli\u003E$0 annual fee for the first year; $95 after that\u003C\/li\u003E\u003Cli\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\u003C\/li\u003E\u003Cli\u003E$0 Fraud Liability if your card is lost or stolen\u003C\/li\u003E\u003Cli\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Business","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4224.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/416?url=_best-credit-cards","name":"Capital One Spark Cash for Business"}
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Our thoughts
From payroll and inventory to hiring and marketing, small business owners have a lot of balls in the air. Credit card rewards shouldn't have to be one of them. That's why the Capital One Spark Cash for Business card is such a good business credit card. Simple and straightforward, it offers 2% Cash Back for your business on every purchase, everywhere, with no limit on how many rewards you can earn and no spending categories to keep track of.
A couple of core benefits notwithstanding – reimbursement for rental car damage, for example, and up to $10,000 in purchase security for items that are damaged and stolen within 90 days of purchase – there aren't a lot of bells and whistles to entice you. But that's kind of the point. What business owners need most is one versatile, uncomplicated card that they can use for all of their business purchases in order to make money while they're spending it. And that's exactly what the Capital One Spark Cash for Business card is.
Benefits:
-
Receive 2% Cash Back for your business on every purchase, everywhere.
-
Cash back doesn't expire and can be redeemed at any time and in any amount.
-
Business owners receive free employee cards.
-
Comes with auto rental damage waiver, purchase protection and extended warranty benefits.
Drawbacks:
-
The card comes with a $0 intro for first year; $95 after that annual fee.
-
It has a high, 20.99% (Variable) APR.
-
In case travel is important to you, this card lacks the travel benefits that are common to many other rewards cards.
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$95 after that\u003C\/li\u003E\u003Cli\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\u003C\/li\u003E\u003Cli\u003E$0 Fraud Liability if your card is lost or stolen\u003C\/li\u003E\u003Cli\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 intro for first year; $95 after that\",\"apr\":\"20.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions\\u003C\\\/li\\u003E\\u003Cli\\u003EPurchase above your credit limit with no hassle and no over-limit fees\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 annual fee for the first year; $95 after that\\u003C\\\/li\\u003E\\u003Cli\\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 Fraud Liability if your card is lost or stolen\\u003C\\\/li\\u003E\\u003Cli\\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Business\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4224.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/416?url=_best-credit-cards\",\"name\":\"Capital One Spark Cash for Business\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EFrom payroll and inventory to hiring and marketing, small business owners have a lot of balls in the air. Credit card rewards shouldn't have to be one of them. That's why the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Spark\u00ae Cash for Business: 2% Cash Back All The Time\" href=\"https:\/\/www.valuepenguin.com\/capital-one-spark-cash-credit-card\"\u003ECapital One Spark Cash for Business\u003C\/a\u003E\u003C\/span\u003E card is such a good business credit card. Simple and straightforward, it offers \u003Cstrong\u003E2% Cash Back for your business on every purchase, everywhere\u003C\/strong\u003E, with no limit on how many rewards you can earn and no spending categories to keep track of.\u003C\/p\u003E\n\n\u003Cp\u003EA couple of core benefits notwithstanding \u2013 reimbursement for rental car damage, for example, and up to $10,000 in purchase security for items that are damaged and stolen within 90 days of purchase \u2013 there aren't a lot of bells and whistles to entice you. But that's kind of the point. What business owners need most is one versatile, uncomplicated card that they can use for all of their business purchases in order to make money while they're spending it. And that's exactly what the Capital One Spark Cash for Business card is.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive 2% Cash Back for your business on every purchase, everywhere.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cash back doesn't expire and can be redeemed at any time and in any amount.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Business owners receive free employee cards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Comes with auto rental damage waiver, purchase protection and extended warranty benefits.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card comes with a $0 intro for first year; $95 after that annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n It has a high, 20.99% (Variable) APR.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n In case travel is important to you, this card lacks the travel benefits that are common to many other rewards cards.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best travel credit card
Travel
Chase Sapphire Reserve®
- On Chase's Secure Website
APR
16.99%-23.99% Variable
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Earn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
{"annualFee":"$550","apr":"16.99%-23.99% Variable","bannerDisclaimers":["On Chase's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003E$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6\/1\/20 through 6\/30\/21, gas station & grocery store purchases will also count towards earning your Travel Credit\u003C\/li\u003E\u003Cli\u003E3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases\u003C\/li\u003E\u003Cli\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself Back\u2120, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories\u003C\/li\u003E\u003Cli\u003E1:1 point transfer to leading airline and hotel loyalty programs\u003C\/li\u003E\u003Cli\u003EAccess to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass\u2122 Select and up to $100 application fee credit for Global Entry or TSA Pre\u2713\u00ae\u003C\/li\u003E\u003Cli\u003EEarn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Travel","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4335.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/1129?url=_best-credit-cards","name":"Chase Sapphire Reserve\u00ae"}
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Our thoughts
The Chase Sapphire Reserve® is many travelers' favorite card thanks to its substantial features and benefits. The card's hefty $550 annual fee gets returned to you in the form of valuable rewards. For starters, you get 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases. On top of that, you get a $300 annual travel credit as reimbursement for travel-related expenses, reimbursement for enrollment in trusted traveler programs like TSA Precheck, a Priority Pass™ Select membership that gives you complimentary access to more than 1,000 airport lounges, trip and baggage delay insurance, a year of free food deliveries via DoorDash, a complimentary Lyft Pink membership that entitles you to discounts and benefits on Lyft rides and 10 points per dollar spent on those same rides through March 2022.
And when it's time to use your points, you get 50% more value when you redeem them for travel through Chase's Ultimate Rewards® portal – 50,000 points redeemed for travel via Chase Ultimate Rewards® are worth $750 – plus the ability to transfer points to a number of airline and hotel loyalty programs at a 1:1 ratio.
Benefits:
-
The card offers a large sign-up bonus whose value – $750 when it's redeemed for travel through Chase Ultimate Rewards® – exceeds the first year's annual fee.
-
The card offers a generous 3X rate on travel and dining purchases.
-
The card's high-value rewards are worth 1.5 cents per point when they're redeemed for travel through Chase Ultimate Rewards®.
-
Transfer points to a number of travel loyalty programs at a 1:1 ratio. Travel partners include airlines like British Airways Executive Club, JetBlue TrueBlue, Southwest Airlines Rapid Rewards® and United MileagePlus®, as well as hoteliers like Marriott Bonvoy™, IHG® Rewards Club and World of Hyatt®.
-
The card offers substantial travel benefits, including a $300 annual travel credit, TSA Precheck/Global entry reimbursement, complimentary airport lounge access and trip and baggage delay insurance.
-
For a limited time, cardholders receive special benefits from food delivery service DoorDash (a year of free food deliveries and $120 in statement credits) and ridesharing company Lyft (10 points per dollar spent and a complimentary Lyft Pink membership that unlocks ride discounts and benefits).
-
Coronavirus updates. Until April 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.
-
Until April 30, 2021, cardholders earn 3X on up to $1,000 in monthly grocery store purchases, including eligible pick-up and delivery services.
-
Until Dec. 31, 2021, get back up to $120 in statement credits for an eligible Peloton Digital or All-Access Membership to take workout classes using a phone, tablet or TV.
Drawbacks:
-
The $550 annual fee is substantial.
-
The card does not offer a 0% introductory APR on purchases or balance transfers.
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class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1129?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Chase Sapphire Reserve\u00ae\"\u003E\u003Cimg alt=\"Chase Sapphire Reserve\u00ae\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4335.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1129?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$550\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E16.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv 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aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003E$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6\/1\/20 through 6\/30\/21, gas station & grocery store purchases will also count towards earning your Travel Credit\u003C\/li\u003E\u003Cli\u003E3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases\u003C\/li\u003E\u003Cli\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Travel\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1129?url=_best-credit-cards\",\"name\":\"Chase Sapphire Reserve\\u00ae\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-reserve-credit-card\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E is many travelers' favorite card thanks to its substantial features and benefits. The card's hefty $550 annual fee gets returned to you in the form of valuable rewards. For starters, you get \u003Cstrong\u003E3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.\u003C\/strong\u003E On top of that, you get a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How does the Chase Sapphire Reserve\u00ae travel credit work?\" href=\"https:\/\/www.valuepenguin.com\/travel\/chase-sapphire-reserve-travel-credit\"\u003E$300 annual travel credit\u003C\/a\u003E\u003C\/span\u003E as reimbursement for travel-related expenses, reimbursement for enrollment in trusted traveler programs like TSA Precheck, a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Get Free Priority Pass with a Credit Card\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-get-priority-pass-for-free\"\u003EPriority Pass\u2122 Select membership\u003C\/a\u003E\u003C\/span\u003E that gives you complimentary access to more than 1,000 airport lounges, trip and baggage delay insurance, a year of free food deliveries via DoorDash, a complimentary Lyft Pink membership that entitles you to discounts and benefits on Lyft rides and 10 points per dollar spent on those same rides through March 2022.\u003C\/p\u003E\n\n\u003Cp\u003EAnd when it's time to use your points, you get 50% more value when you redeem them for travel through Chase's Ultimate Rewards\u00ae portal \u2013 50,000 points redeemed for travel via Chase Ultimate Rewards\u00ae are worth $750 \u2013 plus the ability to transfer points to a number of airline and hotel loyalty programs at a 1:1 ratio.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card offers a large sign-up bonus whose value \u2013 $750 when it's redeemed for travel through Chase Ultimate Rewards\u00ae \u2013 exceeds the first year's annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card offers a generous 3X rate on travel and dining purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card's high-value rewards are worth 1.5 cents per point when they're redeemed for travel through Chase Ultimate Rewards\u00ae.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transfer points to a number of travel loyalty programs at a 1:1 ratio. Travel partners include airlines like British Airways Executive Club, JetBlue TrueBlue, Southwest Airlines Rapid Rewards\u00ae and United MileagePlus\u00ae, as well as hoteliers like Marriott Bonvoy\u2122, IHG\u00ae Rewards Club and World of Hyatt\u00ae.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card offers substantial travel benefits, including a $300 annual travel credit, TSA Precheck\/Global entry reimbursement, complimentary airport lounge access and trip and baggage delay insurance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n For a limited time, cardholders receive special benefits from food delivery service DoorDash (a year of free food deliveries and $120 in statement credits) and ridesharing company Lyft (10 points per dollar spent and a complimentary Lyft Pink membership that unlocks ride discounts and benefits).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoronavirus updates.\u003C\/strong\u003E Until April 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until April 30, 2021, cardholders earn 3X on up to $1,000 in monthly grocery store purchases, including eligible pick-up and delivery services.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Until Dec. 31, 2021, get back up to $120 in statement credits for an eligible Peloton Digital or All-Access Membership to take workout classes using a phone, tablet or TV.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The $550 annual fee is substantial.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card does not offer a 0% introductory APR on purchases or balance transfers.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best luxury travel credit card
Luxury travel
The Platinum Card® from American Express
- Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
- Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
- Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
- Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $550 annual fee.
- Terms Apply.
{"annualFee":"$550","apr":"See Pay Over Time APR","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn 75,000 Membership Rewards\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\u003C\/li\u003E\u003Cli\u003E5X Membership Rewards\u00ae Points on prepaid hotels booked on amextravel.com.\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\u003C\/li\u003E\u003Cli\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\u00ae program at over 1,100 properties . Learn More.\u003C\/li\u003E\u003Cli\u003EGet up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card\u00ae. That\u2019s up to $50 in statement credits semi-annually. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$550 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Luxury travel","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png","isUnavailable":false,"link":"\/credit-cards\/redirect\/54?url=_best-credit-cards","name":"The Platinum Card\u00ae from American Express"}
75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
Our thoughts
In exchange for its $550 annual fee, The Platinum Card® from American Express offers significant value.
That value starts with a generous, pro-travel earning structure: Cardholders receive 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com. They also receive 1 point per dollar on all other eligible purchases. You can use points to pay for all or part of an upcoming trip when you book it on amextravel.com, to buy merchandise or gift cards, and to cover your card charges. You can even transfer points to participating airline or hotel loyalty programs.
Ultimately, though, what makes a luxury card are its benefits, and The Platinum Card® from American Express offers plenty of them. For example, you get complimentary access to more than 1,200 airport lounges, including Amex Centurion lounges, Delta Sky Club® and Priority Pass™ Select lounges; reimbursement for enrollment in trusted traveler programs like Global Entry or TSA Precheck; complimentary upgrades and benefits at partner hotels; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Uber VIP status and up to $200 in Uber savings per year on rides or eats orders; and up to $100 per year in statement credits for purchases at Saks Fifth Avenue. You also get trip delay and trip cancellation insurance, 24/7 emergency travel assistance services, car rental upgrades and insurance and free concierge services. The list goes on.
Benefits:
-
Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com.
-
Receive significant travel perks, including access to airport lounges, up to $200 per year in Uber credits ($15 per month and $20 bonus in December), travel insurance, concierge services, and free status at Marriott and Hilton hotels.
-
The card's introductory bonus is generous.
-
Get up to $100 per year in statement credits for purchases at Saks Fifth Avenue.
-
Redeem points for travel, merchandise, gift cards or card charges, or transfer them to a participating airline or hotel loyalty program.
-
Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.
-
Terms apply
Drawbacks:
-
The card's $550 annual fee is high.
-
To maximize the card's travel benefits, you must book travel through amextravel.com.
-
Terms apply
-
For rates and fees of the The Platinum Card® from American Express, please click here.
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class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/54?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"The Platinum Card\u00ae from American Express\"\u003E\u003Cimg alt=\"The Platinum Card\u00ae from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$550\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ESee Pay Over Time APR\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 75,000 Membership Rewards\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\u003C\/li\u003E\u003Cli\u003E5X Membership Rewards\u00ae Points on prepaid hotels booked on amextravel.com.\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\u003C\/li\u003E\u003Cli\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\u00ae program at over 1,100 properties . Learn More.\u003C\/li\u003E\u003Cli\u003EGet up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card\u00ae. That\u2019s up to $50 in statement credits semi-annually. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$550 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$550\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-charge-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 75,000 Membership Rewards\\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards\\u00ae\\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\\u003C\\\/li\\u003E\\u003Cli\\u003E5X Membership Rewards\\u00ae Points on prepaid hotels booked on amextravel.com.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\\u00ae program at over 1,100 properties . Learn More.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card\\u00ae. That\\u2019s up to $50 in statement credits semi-annually. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003E$550 annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Luxury travel\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIn exchange for its $550 annual fee, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express: Luxury Travel Benefits\" href=\"https:\/\/www.valuepenguin.com\/american-express-platinum-card\"\u003EThe Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E offers significant value.\u003C\/p\u003E\n\n\u003Cp\u003EThat value starts with a generous, pro-travel earning structure: Cardholders receive \u003Cstrong\u003E5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards\u00ae points on prepaid hotels booked on amextravel.com.\u003C\/strong\u003E They also receive 1 point per dollar on all other eligible purchases. You can \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Ways to Use American Express Membership Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-ways-use-american-express-membership-rewards-points\"\u003Euse points\u003C\/a\u003E\u003C\/span\u003E to pay for all or part of an upcoming trip when you book it on amextravel.com, to buy merchandise or gift cards, and to cover your card charges. You can even transfer points to participating airline or hotel loyalty programs.\u003C\/p\u003E\n\n\u003Cp\u003EUltimately, though, what makes a luxury card are its benefits, and The Platinum Card\u00ae from American Express offers plenty of them. For example, you get complimentary access to more than 1,200 airport lounges, including \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"(June 2019 Update) Full List of Amex Centurion Lounges\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmex Centurion lounges\u003C\/a\u003E\u003C\/span\u003E, Delta Sky Club\u00ae and Priority Pass\u2122 Select lounges; reimbursement for enrollment in trusted traveler programs like Global Entry or TSA Precheck; complimentary upgrades and benefits at partner hotels; \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Status: How to Earn It and How Much Is It Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-honors-elite-status\"\u003EHilton Honors Gold\u003C\/a\u003E\u003C\/span\u003E and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Marriott Bonvoy Elite Status: How to Earn It and How Much It's Worth\" href=\"https:\/\/www.valuepenguin.com\/travel\/marriott-bonvoy-elite-status\"\u003EMarriott Bonvoy Gold Elite status\u003C\/a\u003E\u003C\/span\u003E; Uber VIP status and up to $200 in Uber savings per year on rides or eats orders; and up to $100 per year in statement credits for purchases at Saks Fifth Avenue. You also get trip delay and trip cancellation insurance, 24\/7 emergency travel assistance services, car rental upgrades and insurance and free concierge services. The list goes on.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards\u00ae points on prepaid hotels booked on amextravel.com.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive significant travel perks, including access to airport lounges, up to $200 per year in Uber credits ($15 per month and $20 bonus in December), travel insurance, concierge services, and free status at Marriott and Hilton hotels.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card's introductory bonus is generous.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get up to $100 per year in statement credits for purchases at Saks Fifth Avenue.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Redeem points for travel, merchandise, gift cards or card charges, or transfer them to a participating airline or hotel loyalty program.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card's $550 annual fee is high.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n To maximize the card's travel benefits, you must book travel through amextravel.com.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n For rates and fees of the The Platinum Card\u00ae from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best airline credit card
Airlines
Delta SkyMiles® Gold American Express Card
Annual Fee
$0 introductory annual fee for the first year, then $99.
APR
15.74%-24.74% Variable
- Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4/28/2021.
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- Enjoy your first checked bag free on Delta flights.
- Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.
- Enjoy a $0 introductory Annual Fee for the first year, then $99.
- Terms Apply.
{"annualFee":"$0 introductory annual fee for the first year, then $99.","apr":"15.74%-24.74% Variable","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003ELimited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4\/28\/2021.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\u003C\/li\u003E\u003Cli\u003EEarn 1X Mile on all other eligible purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy your first checked bag free on Delta flights.\u003C\/li\u003E\u003Cli\u003EEarn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.\u003C\/li\u003E\u003Cli\u003EEnjoy a $0 introductory Annual Fee for the first year, then $99.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Airlines","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4329.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/851?url=_best-credit-cards","name":"Delta SkyMiles\u00ae Gold American Express Card"}
70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months.
Our thoughts
Airline credit cards that bind you to a single carrier can sometimes hinder instead of help your travel goals, limiting your ability to shop around. A notable exception is the Delta SkyMiles® Gold American Express Card card, which offers substantial value not only to diehard Delta acolytes, but also to the casual traveler who flies Delta Air Lines only occasionally.
That's because the Delta SkyMiles® Gold American Express Card makes it easy to earn miles when you're not flying Delta, and to redeem miles for elite Delta benefits when you are. Case in point: Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. That means you can rack up miles at home and on the road regardless of whether you're flying and with what airline. When you eventually do fly Delta, your card entitles you to a free checked bag and priority boarding. And when you spend $10,000 on your card during a calendar year, you get a $100 Delta credit for future travel. Although the card charges a $0 introductory annual fee for the first year, then $99.
If you fly Delta often, it's a no-brainer. And if you don't, it's still a good value that can make a coveted trip more affordable and more comfortable when you eventually decide to take it.
Benefits:
-
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
-
You get a free checked bag and priority boarding when you fly Delta.
-
The annual fee is waived for the first year.
-
Terms apply
Drawbacks:
-
The card charges an annual fee: $0 introductory annual fee for the first year, then $99.
-
If you're a frequent Delta flyer, you probably have elite status already; that means the card's benefits – a free checked bag and priority boarding – will be of little value to you.
-
Although the card offers a $100 flight credit, that's small relative to the $10,000 in annual spending that's required to receive it.
-
Terms apply
-
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
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class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/851?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Delta SkyMiles\u00ae Gold American Express Card\"\u003E\u003Cimg alt=\"Delta SkyMiles\u00ae Gold American Express Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4329.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/851?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0 introductory annual fee for the first year, then $99.\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.74%-24.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ELimited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4\/28\/2021.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\u003C\/li\u003E\u003Cli\u003EEarn 1X Mile on all other eligible purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy your first checked bag free on Delta flights.\u003C\/li\u003E\u003Cli\u003EEarn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.\u003C\/li\u003E\u003Cli\u003EEnjoy a $0 introductory Annual Fee for the first year, then $99.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 introductory annual fee for the first year, then $99.\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/delta-skymiles-gold-american-express-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ELimited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4\\\/28\\\/2021.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 1X Mile on all other eligible purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy your first checked bag free on Delta flights.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy a $0 introductory Annual Fee for the first year, then $99.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Airlines\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4329.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/851?url=_best-credit-cards\",\"name\":\"Delta SkyMiles\\u00ae Gold American Express Card\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EAirline credit cards that bind you to a single carrier can sometimes hinder instead of help your travel goals, limiting your ability to shop around. A notable exception is the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles\u00ae Gold American Express Card\" href=\"https:\/\/www.valuepenguin.com\/gold-delta-skymiles-credit-card\"\u003EDelta SkyMiles\u00ae Gold American Express Card\u003C\/a\u003E\u003C\/span\u003E card, which offers substantial value not only to diehard Delta acolytes, but also to the casual traveler who flies Delta Air Lines only occasionally.\u003C\/p\u003E\n\n\u003Cp\u003EThat's because the Delta SkyMiles\u00ae Gold American Express Card makes it easy to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Earn Delta SkyMiles\u00ae\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-earn-delta-skymiles\"\u003Eearn miles\u003C\/a\u003E\u003C\/span\u003E when you're not flying Delta, and to redeem miles for \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is Delta Air Lines Medallion Status Worth in 2020?\" href=\"https:\/\/www.valuepenguin.com\/travel\/what-is-delta-airlines-medallion-status-worth\"\u003Eelite Delta benefits\u003C\/a\u003E\u003C\/span\u003E when you are. Case in point: \u003Cstrong\u003EEarn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\u003C\/strong\u003E That means you can rack up miles at home and on the road regardless of whether you're flying and with what airline. When you eventually do fly Delta, your card entitles you to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta Baggage Fees: Here's What You Need to Know\" href=\"https:\/\/www.valuepenguin.com\/travel\/delta-baggage-fees\"\u003Ea free checked bag\u003C\/a\u003E\u003C\/span\u003E and priority boarding. And when you spend $10,000 on your card during a calendar year, you get a $100 Delta credit for future travel. Although the card charges a $0 introductory annual fee for the first year, then $99.\u003C\/p\u003E\n\n\u003Cp\u003EIf you fly Delta often, it's a no-brainer. And if you don't, it's still a good value that can make a coveted trip more affordable and more comfortable when you eventually decide to take it.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You get a free checked bag and priority boarding when you fly Delta.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The annual fee is waived for the first year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card charges an annual fee: $0 introductory annual fee for the first year, then $99.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n If you're a frequent Delta flyer, you probably have elite status already; that means the card's benefits \u2013 a free checked bag and priority boarding \u2013 will be of little value to you.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Although the card offers a $100 flight credit, that's small relative to the $10,000 in annual spending that's required to receive it.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n For rates and fees of the Delta SkyMiles\u00ae Gold American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/28011-10-0\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best hotel credit card
Hotel
Hilton Honors American Express Surpass® Card
APR
15.74%-24.74% Variable
- Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
- Plus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 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 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.
- $95 annual fee.
- Terms Apply.
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150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 months.
Our thoughts
If you're the kind of traveler who would rather upgrade your destination than your journey, the Hilton Honors American Express Surpass® Card is easily one of the best hotel credit cards there is.
What makes the card so great are its generous rewards structure and elite status benefits. The card lets you Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a 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. Those points eventually can be redeemed for free nights at Hilton hotels, or to reduce the rate you pay if you'd rather use a mix of points and cash. As for status, the Hilton Honors American Express Surpass® Card automatically gives you Hilton Honors Gold status, which entitles you to complimentary breakfast, room upgrades when they're available and extra points on hotel stays. And if you spend $40,000 on eligible purchases in a calendar year, you get bumped from Gold to Diamond status through the end of the next calendar year.
Cardholders also get 10 free visits per year to Priority Pass airport lounges, as well as a free weekend night upon spending $15,000 on eligible purchases within a calendar year.
Benefits:
-
The card offers a generous rewards structure, including 12X points per dollar on Hilton purchases.
-
Cardholders automatically receive free Hilton Honors Gold status, plus the opportunity to achieve Diamond status by making $40,000 in purchases during the calendar year.
-
Cardholders enjoy 10 free visits per year to Priority Pass airport lounges.
-
The card promises a free weekend night when you spend $15,000 on eligible purchases within the calendar year.
-
Terms apply
Drawbacks:
-
The card comes with a $95 annual fee.
-
The benefits only apply to Hilton properties.
-
Terms apply
-
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
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class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1302?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Hilton Honors American Express Surpass\u00ae Card\"\u003E\u003Cimg alt=\"Hilton Honors American Express Surpass\u00ae Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4482.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1302?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.74%-24.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass\u00ae Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EPlus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 months.\u003C\/li\u003E\u003Cli\u003EEarn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.\u003C\/li\u003E\u003Cli\u003EEarn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.\u003C\/li\u003E\u003Cli\u003EEarn 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.\u003C\/li\u003E\u003Cli\u003EEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\u003C\/li\u003E\u003Cli\u003ESpend $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.\u003C\/li\u003E\u003Cli\u003E$95 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/hilton-honors-surpass-credit-card\\\/26129-10-0#FeeTable\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass\\u00ae Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 months.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.\\u003C\\\/li\\u003E\\u003Cli\\u003ESpend $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.\\u003C\\\/li\\u003E\\u003Cli\\u003E$95 annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Hotel\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4482.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1302?url=_best-credit-cards\",\"name\":\"Hilton Honors American Express Surpass\\u00ae Card\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're the kind of traveler who would rather upgrade your destination than your journey, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Surpass Card: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/hilton-honors-american-express-surpass-card\"\u003EHilton Honors American Express Surpass\u00ae Card\u003C\/a\u003E\u003C\/span\u003E is easily one of the best hotel credit cards there is.\u003C\/p\u003E\n\n\u003Cp\u003EWhat makes the card so great are its generous rewards structure and elite status benefits. The card lets you \u003Cstrong\u003EEarn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a 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.\u003C\/strong\u003E Those points eventually can be redeemed for free nights at Hilton hotels, or to reduce the rate you pay if you'd rather use a mix of points and cash. As for status, the Hilton Honors American Express Surpass\u00ae Card automatically gives you \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Status: How to Earn It and How Much Is It Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-honors-elite-status\"\u003EHilton Honors Gold status\u003C\/a\u003E\u003C\/span\u003E, which entitles you to complimentary breakfast, room upgrades when they're available and extra points on hotel stays. And if you spend $40,000 on eligible purchases in a calendar year, you get bumped from Gold to Diamond status through the end of the next calendar year.\u003C\/p\u003E\n\n\u003Cp\u003ECardholders also get 10 free visits per year to Priority Pass airport lounges, as well as a free weekend night upon spending $15,000 on eligible purchases within a calendar year.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card offers a generous rewards structure, including 12X points per dollar on Hilton purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cardholders automatically receive free Hilton Honors Gold status, plus the opportunity to achieve Diamond status by making $40,000 in purchases during the calendar year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cardholders enjoy 10 free visits per year to Priority Pass airport lounges.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card promises a free weekend night when you spend $15,000 on eligible purchases within the calendar year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card comes with a $95 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The benefits only apply to Hilton properties.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n For rates and fees of the Hilton Honors American Express Surpass\u00ae Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best balance transfer credit card
Balance transfer
Citi® Diamond Preferred® Card
- On Citibank's Secure Website
APR
14.74% - 24.74% (Variable)
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
{"annualFee":"$0","apr":"14.74% - 24.74% (Variable)","bannerDisclaimers":["On Citibank's Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\u003C\/li\u003E\u003Cli\u003EGet free access to your FICO\u00ae Score online.\u003C\/li\u003E\u003Cli\u003EWith Citi Entertainment\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\u003C\/li\u003E\u003Cli\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\u00ae Identity Theft Solutions.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Balance transfer","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4598.png","isUnavailable":false,"link":"\/credit-cards\/redirect\/27?url=_best-credit-cards","name":"Citi\u00ae Diamond Preferred\u00ae Card"}
Get an intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases (14.74% - 24.74% (Variable) thereafter).
Our thoughts
The Citi® Diamond Preferred® Card offers a strong balance transfer proposition: You get an intro APR of 0% for 18 months on Balance Transfers, provided that the balance transfer is initiated within four months of opening an account (14.74% - 24.74% (Variable) thereafter). Unfortunately, you'll have to pay a Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum., whichever is greater. If you're carrying a large balance on another card, however, that means you can move it to the Citi® Diamond Preferred® Card and hold it interest-free for more than a year. That's a long time, and it can give you a major leg up on paying down your credit card debt. Because it has few other benefits, you probably won't want to retain the card long term. But as a means to a debt-free end, it's invaluable.
Benefits:
-
$0 annual fee.
-
New cardholders receive 0% for 18 months on Purchases (14.74% - 24.74% (Variable) thereafter).
Drawbacks:
-
Cardholders must pay 14.74% - 24.74% (Variable) of the amount of each credit card balance transfer, whichever is greater.
-
After the introductory period expires, the card charges a much higher variable APR of 14.74% - 24.74% (Variable), depending on creditworthiness.
-
The card lacks meaningful benefits beyond its welcome incentive.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Ci aria-hidden=\"true\" class=\"FontAwesome--root fa fa-heart-o fa-1\"\u003E\u003C\/i\u003EBalance transfer\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Ch3 class=\"BenefitsBox--title\"\u003ECiti\u00ae Diamond Preferred\u00ae Card\u003C\/h3\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/27?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Citi\u00ae Diamond Preferred\u00ae Card\"\u003E\u003Cimg alt=\"Citi\u00ae Diamond Preferred\u00ae Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4598.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/27?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E14.74% - 24.74% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\u003C\/li\u003E\u003Cli\u003EGet free access to your FICO\u00ae Score online.\u003C\/li\u003E\u003Cli\u003EWith Citi Entertainment\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\u003C\/li\u003E\u003Cli\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\u00ae Identity Theft Solutions.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.74% - 24.74% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater\\u003C\\\/li\\u003E\\u003Cli\\u003EGet free access to your FICO\\u00ae Score online.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Citi Entertainment\\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\\u00ae Identity Theft Solutions.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Balance transfer\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4598.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/27?url=_best-credit-cards\",\"name\":\"Citi\\u00ae Diamond Preferred\\u00ae Card\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Get an intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases (14.74% - 24.74% (Variable) thereafter).\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Diamond Preferred\u00ae Card: 18 Month Long 0% Intro APR For Balance Transfers\" href=\"https:\/\/www.valuepenguin.com\/citi-diamond-preferred-credit-card\"\u003ECiti\u00ae Diamond Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E offers a strong balance transfer proposition: You get \u003Cstrong\u003Ean intro APR of 0% for 18 months on Balance Transfers\u003C\/strong\u003E, provided that the balance transfer is initiated within four months of opening an account (14.74% - 24.74% (Variable) thereafter). Unfortunately, you'll have to pay a Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum., whichever is greater. If you're carrying a large balance on another card, however, that means you can move it to the Citi\u00ae Diamond Preferred\u00ae Card and hold it interest-free for more than a year. That's a long time, and it can give you a major leg up on paying down your credit card debt. Because it has few other benefits, you probably won't want to retain the card long term. But as a means to a debt-free end, it's invaluable.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New cardholders receive 0% for 18 months on Purchases (14.74% - 24.74% (Variable) thereafter).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cardholders must pay 14.74% - 24.74% (Variable) of the amount of each credit card balance transfer, whichever is greater.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n After the introductory period expires, the card charges a much higher variable APR of 14.74% - 24.74% (Variable), depending on creditworthiness.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card lacks meaningful benefits beyond its welcome incentive.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best credit card to build credit
Discover it® Secured Credit Card
Earn cash back while building credit; plus, Discover will automatically match all the cash back that you've earned at the end of your first year.
Our thoughts
The Discover it® Secured Credit Card card is one of the best options for cardholders trying to establish or rebuild credit, not only because it makes it easy to build credit, but also because it allows you to earn valuable cash back.
Here's how it works: If you're approved for a card, you'll be asked to provide a refundable cash deposit that's equal to your credit line – for example, a $200 deposit for a $200 credit line, or a $500 deposit for a $500 credit line. As you use the card, you'll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically. The cherry on top: Discover will match all the cash back you've earned at the end of your first year for new cardholders. Finally, if you use credit responsibly (i.e., you consistently pay off your balance in full), you may eventually reclaim your deposit and transition to an unsecured line of credit.
Benefits:
-
$0 annual fee.
-
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically
Drawbacks:
-
The card requires a cash deposit of at least $200.
-
The card has a low maximum credit line of just $2,500.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EDiscover it\u00ae Secured Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn cash back while building credit; plus, Discover will automatically match all the cash back that you've earned at the end of your first year.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Discover it\u00ae Secured Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-secured-credit-card\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/a\u003E\u003C\/span\u003E card is one of the best options for cardholders trying to establish or rebuild credit, not only because it makes it easy to build credit, but also because it allows you to earn valuable cash back.\u003C\/p\u003E\n\n\u003Cp\u003EHere's how it works: If you're approved for a card, you'll be asked to provide a refundable cash deposit that's equal to your credit line \u2013 for example, a $200 deposit for a $200 credit line, or a $500 deposit for a $500 credit line. As you use the card, you'll earn \u003Cstrong\u003E2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically\u003C\/strong\u003E. The cherry on top: Discover will match all the cash back you've earned at the end of your first year for new cardholders. Finally, if you use credit responsibly (i.e., you consistently pay off your balance in full), you may eventually reclaim your deposit and transition to an unsecured line of credit.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card requires a cash deposit of at least $200.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card has a low maximum credit line of just $2,500.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best rotating category card
Discover it® Cash Back
Dollar for dollar, Discover will automatically match all the cash back that you've earned at the end of your first year.
Our thoughts
Credit cards are supposed to make it easy to spend money. Some cards, however, also make it easy to earn money. The Discover it® Cash Back card is one of those cards, as it offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically As long as you don't mind keeping track of the categories – you might earn 5% cash back on Amazon.com purchases one quarter, for example, 5% cash back at grocery stores the next quarter and 5% cash back at restaurants the quarter after that – that's a substantial benefit. Plus, cash back never expires, and Discover will automatically match every dollar you earn at the end of your first year.
Benefits:
-
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically
-
Cash back never expires and can be redeemed in any amount.
Drawbacks:
-
Maximizing cash back requires keeping track of preferred purchase categories that rotate every quarter and adjusting your spending habits in response.
-
Fewer merchants accept Discover cards.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EDiscover it\u00ae Cash Back\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Dollar for dollar, Discover will automatically match all the cash back that you've earned at the end of your first year.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003ECredit cards are supposed to make it easy to spend money. Some cards, however, also make it easy to earn money. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Cash Back Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-credit-card\"\u003EDiscover it\u00ae Cash Back\u003C\/a\u003E\u003C\/span\u003E card is one of those cards, as it offers \u003Cstrong\u003E5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically\u003C\/strong\u003E As long as you don't mind keeping track of the categories \u2013 you might earn 5% cash back on Amazon.com purchases one quarter, for example, 5% cash back at grocery stores the next quarter and 5% cash back at restaurants the quarter after that \u2013 that's a substantial benefit. Plus, cash back never expires, and Discover will automatically match every dollar you earn at the end of your first year.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cash back never expires and can be redeemed in any amount.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Maximizing cash back requires keeping track of preferred purchase categories that rotate every quarter and adjusting your spending habits in response.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Fewer merchants accept Discover cards.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best 0% intro APR credit card
Wells Fargo Platinum card
Get an intro APR of 0% intro APR for 18 months on qualifying balance transfers and 0% intro APR for 18 months from account opening on purchases (16.49%-24.49% (Variable) thereafter).
Our thoughts
"Platinum" credit cards have a reputation for over-the-top opulence, but the Wells Fargo Platinum card is an exception to the rule. It's a simple Visa card that's geared toward people who want to take control of their finances and eliminate debt.
The card's principal benefit is an introductory APR of 0% intro APR for 18 months from account opening (16.49%-24.49% (Variable) thereafter). That's over a year of interest-free existence during which time you can either finance a big-ticket item or pay down debt that you accrued on other, less forgiving cards.
As with most balance transfer cards, you'll have to pay a 16.49%-24.49% (Variable)of the amount of each credit card balance transfer, whichever is greater. In return, however, you'll get the opportunity to make valuable progress toward your financial goals – not to mention a few other benefits, including up to $600 of cell phone protection, roadside dispatch and auto rental protection.
Benefits:
-
$0 annual fee.
-
New cardholders receive an intro APR of 0% intro APR for 18 months from account opening (16.49%-24.49% (Variable) thereafter).
-
Receive up to $600 of cell phone protection, as well as roadside dispatch, auto rental collision damage waiver, travel accident insurance and travel and emergency assistance services.
Drawbacks:
-
Cardholders must pay 16.49%-24.49% (Variable) of the amount of each credit card balance transfer, whichever is greater.
-
After the introductory period expires, the card charges a much higher variable APR of 16.49%-24.49% (Variable), depending on creditworthiness.
-
Cardholders do not receive cash back or rewards points.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EWells Fargo Platinum card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Get an intro APR of 0% intro APR for 18 months on qualifying balance transfers and 0% intro APR for 18 months from account opening on purchases (16.49%-24.49% (Variable) thereafter).\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003E\"Platinum\" credit cards have a reputation for over-the-top opulence, but the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Wells Fargo Platinum Card: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/wells-fargo-platinum-visa-credit-card\"\u003EWells Fargo Platinum card\u003C\/a\u003E\u003C\/span\u003E is an exception to the rule. It's a simple Visa card that's geared toward people who want to take control of their finances and eliminate debt.\u003C\/p\u003E\n\n\u003Cp\u003EThe card's principal benefit is an \u003Cstrong\u003Eintroductory APR of 0% intro APR for 18 months from account opening\u003C\/strong\u003E (16.49%-24.49% (Variable) thereafter). That's over a year of interest-free existence during which time you can either finance a big-ticket item or pay down debt that you accrued on other, less forgiving cards.\u003C\/p\u003E\n\n\u003Cp\u003EAs with most balance transfer cards, you'll have to pay a 16.49%-24.49% (Variable)of the amount of each credit card balance transfer, whichever is greater. In return, however, you'll get the opportunity to make valuable progress toward your financial goals \u2013 not to mention a few other benefits, including up to $600 of cell phone protection, roadside dispatch and auto rental protection.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New cardholders receive an intro APR of 0% intro APR for 18 months from account opening (16.49%-24.49% (Variable) thereafter).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Receive up to $600 of cell phone protection, as well as roadside dispatch, auto rental collision damage waiver, travel accident insurance and travel and emergency assistance services.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cardholders must pay 16.49%-24.49% (Variable) of the amount of each credit card balance transfer, whichever is greater.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n After the introductory period expires, the card charges a much higher variable APR of 16.49%-24.49% (Variable), depending on creditworthiness.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cardholders do not receive cash back or rewards points.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best restaurant credit card
Capital One® Savor® Cash Rewards Credit Card
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Our thoughts
If you love dining out, the Capital One® Savor® Cash Rewards Credit Card belongs in your wallet. Designed for anyone who spends a lot of money on restaurants, sports, concerts and theater, it offers unlimited Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Cardmembers also Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Not to mention all the other benefits for food and entertainment nuts, including access to exclusive culinary experiences and VIP tickets to concerts and sporting events. The card's annual fee ($95) is a small price to pay for these benefits.
Benefits:
-
Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
-
Get access to exclusive culinary experiences and VIP tickets to concerts and sporting events.
-
Limited-time offer. Cardholders can continue to earn 4% cash back on streaming service subscriptions (through April 30, 2021).
Drawbacks:
-
The card has an annual fee: $95
-
There is no 0% introductory APR.
-
Useful only to consumers who have interest – and spending – in food and entertainment.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you love dining out, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Savor\u00ae Cash Rewards Credit Card Review: Is It Worth Applying?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E belongs in your wallet. Designed for anyone who spends a lot of money on restaurants, sports, concerts and theater, it offers unlimited \u003Cstrong\u003EEarn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.\u003C\/strong\u003E Cardmembers also Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Not to mention all the other benefits for food and entertainment nuts, including access to exclusive culinary experiences and VIP tickets to concerts and sporting events. The card's annual fee ($95) is a small price to pay for these benefits.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get access to exclusive culinary experiences and VIP tickets to concerts and sporting events.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELimited-time offer.\u003C\/strong\u003E Cardholders can continue to earn 4% cash back on streaming service subscriptions (through April 30, 2021).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card has an annual fee: $95\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is no 0% introductory APR.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Useful only to consumers who have interest \u2013 and spending \u2013 in food and entertainment.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Best credit card for groceries
Grocery
Blue Cash Preferred® Card from American Express
Annual Fee
$0 introductory annual fee for the first year, then $95
APR
13.99%-23.99% Variable
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 introductory annual fee for one year, then $95.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
{"annualFee":"$0 introductory annual fee for the first year, then $95","apr":"13.99%-23.99% Variable","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003E$0 introductory annual fee for one year, then $95.\u003C\/li\u003E\u003Cli\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\u003C\/li\u003E\u003Cli\u003E6% Cash Back on select U.S. streaming subscriptions.\u003C\/li\u003E\u003Cli\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more).\u003C\/li\u003E\u003Cli\u003E1% Cash Back on other purchases.\u003C\/li\u003E\u003Cli\u003EPlan It\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\u003C\/li\u003E\u003Cli\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":76,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Grocery","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/495?url=_best-credit-cards","name":"Blue Cash Preferred\u00ae Card from American Express"}
$300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Our thoughts
If there's one thing everybody needs, it's groceries. That's what makes the Blue Cash Preferred® Card from American Express card such an attractive card: It offers serious cash back on everyday purchases that almost everyone makes, including groceries and gas. Indeed, cardholders receive 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases.
There's a $0 introductory annual fee for the first year, then $95 annual fee, and cash back typically can only be redeemed as statement credits (although American Express sometimes lets you redeem rewards for gift cards or merchandise, instead). Though its redemption options aren't as flexible as, say, the Chase Sapphire Preferred card, it's a solid offering for anyone who wants to profit from their most frequent purchases.
Benefits:
-
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases.
-
Get an intro APR of 0% on purchases for 12 months (then 13.99%-23.99% Variable).
-
Terms apply
Drawbacks:
-
The card has a $0 introductory annual fee for the first year, then $95 annual fee.
-
The 6% cash back at supermarkets is limited to $6,000 in purchases per year; after that, you earn only 1% cash back.
-
There is a $25 minimum for cashback redemption, and cash back typically can be redeemed only in the form of statement credits.
-
Terms apply
-
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Ci aria-hidden=\"true\" class=\"FontAwesome--root fa fa-heart-o fa-1\"\u003E\u003C\/i\u003EGrocery\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Ch3 class=\"BenefitsBox--title\"\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/h3\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/495?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Blue Cash Preferred\u00ae Card from American Express\"\u003E\u003Cimg alt=\"Blue Cash Preferred\u00ae Card from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/495?url=_best-credit-cards\" rel=\"noopener nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0 introductory annual fee for the first year, then $95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":76,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003E$0 introductory annual fee for one year, then $95.\u003C\/li\u003E\u003Cli\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\u003C\/li\u003E\u003Cli\u003E6% Cash Back on select U.S. streaming subscriptions.\u003C\/li\u003E\u003Cli\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more).\u003C\/li\u003E\u003Cli\u003E1% Cash Back on other purchases.\u003C\/li\u003E\u003Cli\u003EPlan It\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\u003C\/li\u003E\u003Cli\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 introductory annual fee for the first year, then $95\",\"apr\":\"13.99%-23.99% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/blue-cash-preferred-credit-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 introductory annual fee for one year, then $95.\\u003C\\\/li\\u003E\\u003Cli\\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\\u003C\\\/li\\u003E\\u003Cli\\u003E6% Cash Back on select U.S. streaming subscriptions.\\u003C\\\/li\\u003E\\u003Cli\\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\\\/rideshare, parking, tolls, trains, buses and more).\\u003C\\\/li\\u003E\\u003Cli\\u003E1% Cash Back on other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlan It\\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":76,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.\",\"featuredTitle\":\"Grocery\",\"hideTitle\":false,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4327.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/495?url=_best-credit-cards\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf there's one thing everybody needs, it's groceries. That's what makes the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred from American Express Card: Big Cash Back, Small Annual Fee\" href=\"https:\/\/www.valuepenguin.com\/blue-cash-preferred-card\"\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/a\u003E\u003C\/span\u003E card such an attractive card: It offers serious cash back on everyday purchases that almost everyone makes, including groceries and gas. Indeed, cardholders receive \u003Cstrong\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThere's a $0 introductory annual fee for the first year, then $95 annual fee, and cash back typically can only be redeemed as statement credits (although American Express sometimes lets you redeem rewards for gift cards or merchandise, instead). Though its redemption options aren't as flexible as, say, the Chase Sapphire Preferred card, it's a solid offering for anyone who wants to profit from their most frequent purchases.\u003C\/p\u003E\n\n\u003Ch3\u003EBenefits:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get an intro APR of 0% on purchases for 12 months (then 13.99%-23.99% Variable).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EDrawbacks:\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The card has a $0 introductory annual fee for the first year, then $95 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The 6% cash back at supermarkets is limited to $6,000 in purchases per year; after that, you earn only 1% cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n There is a $25 minimum for cashback redemption, and cash back typically can be redeemed only in the form of statement credits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n For rates and fees of the Blue Cash Preferred\u00ae Card from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
ValuePenguin's verdict
We've listed the top credit cards for each type of spender. Ultimately, each credit card has something unique to offer, and the most favorable option for you will depend on your lifestyle. Consider each card's limited-time offers given the coronavirus pandemic and other additions that will help you spend responsibly and earn rewards quickly.
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.
Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.
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.
Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).