Rewards

Chase Sapphire Preferred® Card

Apply Now

• On Chase's Secure Website

Annual Fee

$95

APR

15.99% - 22.99% Variable

Credit Needed

?

Excellent

Editor's Rating

?

• Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
• 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
• Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
• Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

+ see card details

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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:

Drawbacks:

Cash back

Citi® Double Cash Card – 18 month BT offer

Apply Now

• On Citibank's Secure Website

Annual Fee

$0

APR

13.99% – 23.99% (Variable)

Credit Needed

?

Excellent

Editor's Rating

?

• 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.

+ see card details

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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 – of either $5 or 3% of the amount of each transfer, whichever is greater – 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:

Drawbacks:

Capital One® Spark® Cash for Business

This product is not available through ValuePenguin.

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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:

Drawbacks:

Travel

Chase Sapphire Reserve®

Apply Now

• On Chase's Secure Website

Annual Fee

$550

APR

16.99%-23.99% Variable

Credit Needed

?

Excellent

Editor's Rating

?

• 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
• 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
• 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
• 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
• Up to $100 application fee credit for Global Entry or TSA Pre✓®
• One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

+ see card details

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Our thoughts

The Chase Sapphire Reserve® is many a traveler’s 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 & 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:

Drawbacks:

Luxury

The Platinum Card® from American Express

Apply Now

• See Rates & Fees. Terms Apply.
• On American Express' Secure Website

Annual Fee

$550

APR

See Pay Over Time APR

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
• Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
• 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
• 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
• Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
• Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
• $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
• 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.

+ see card details

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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; up to $200 per year in statement credits to cover airline incidentals, like checked-bag fees and in-flight refreshments; reimbursement for enrollment in trusted traveler programs like TSA Precheck; complimentary upgrades and benefits at partner hotels; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; 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:

Drawbacks:

Airline

Delta SkyMiles® Gold American Express Card

Apply Now

• See Rates & Fees. Terms Apply.
• On American Express' Secure Website

Annual Fee

$0 introductory annual fee for the first year, then $99.

APR

15.74%-24.74% Variable

Credit Needed

?

Good/Excellent

Editor's Rating

?

• Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
• Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
• NEW! 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 to inspire your next travel.
• Enjoy your first checked bag free on Delta Flights.
• Earn 1X Mile on all other eligible purchases.
• Enjoy a $0 introductory Annual Fee for the first year, then $99.
• Terms Apply.

+ see card details

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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: You earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets and 1X Mile on all other eligible purchases. 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:

Drawbacks:

Hotel

Hilton Honors American Express Surpass® Card

Apply Now

• See Rates & Fees. Terms Apply.
• On American Express' Secure Website

Annual Fee

$95

APR

15.74%-24.74% Variable

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Earn 125,000 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.
• 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.

+ see card details

{"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","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 125,000 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\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=\"StarRating--root\"\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003Ci class=\"FontAwesome--root fa fa-star-half-o\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\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\/4333.jpg","isUnavailable":false,"link":"\/redirect\/credit-cards\/1154?isLightrail=true&url=_best-credit-cards","name":"Hilton Honors American Express Surpass\u00ae Card"}

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:

Drawbacks:

Balance transfer

Citi® Diamond Preferred® Card

Apply Now

• On Citibank's Secure Website

Annual Fee

$0

APR

14.74% - 24.74% (Variable)

Credit Needed

?

Excellent

Editor's Rating

?

• 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.

+ see card details

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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 standard balance transfer fee of either $5 or 3% of the amount of each credit card balance transfer, 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:

Drawbacks:

This product is not available through ValuePenguin.

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Discover it® Secured

Our thoughts

The Discover it® Secured 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 on purchases at restaurants and gas stations, up to $1,000 per quarter, plus unlimited 1% cash back on all other purchases. 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:

Drawbacks:

This product is not available through ValuePenguin.

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Discover it® Cash Back

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 up to $1,500 in purchases in a different category every quarter, and 1% cash back on everything else. 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:

Drawbacks:

Wells Fargo Platinum card

This product is not available through ValuePenguin.

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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% for 18 months (15.49%-24.99% (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 balance transfer fee of either $5 or 3% 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:

Drawbacks:

Capital One® Savor® Cash Rewards Credit Card

This product is not available through ValuePenguin.

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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 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. Cardmembers also Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 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 ($0 intro for first year; $95 after that) is a small price to pay for these benefits.

Benefits:

Drawbacks:

Grocery

Blue Cash Preferred® Card from American Express

Apply Now

• See Rates & Fees. Terms Apply.
• On American Express' Secure Website

Annual Fee

$95

APR

13.99%-23.99% Variable

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• $95 Annual Fee.
• Terms Apply.

+ see card details

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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 and 1% Cash Back on other purchases.

There’s an annual fee of $95, 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:

Drawbacks: