Luxury 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 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

+ see card details

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Our thoughts

The Chase Sapphire Reserve® retains its title as the best travel rewards credit card thanks to its earning power and how flexible its points are to redeem. You earn 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. Although its annual fee recently increased by $100, new benefits were added that frequent travelers will enjoy. These benefits include 10X points on Lyft rides through March 2022 and $120 in DoorDash credits through December 2021.

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

With the Citi® Double Cash Card – 18 month BT offer card, you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's one of the highest earning rates currently available for a cashback card. Though the card doesn't offer a sign-up bonus, its earnings will make up for that over time if you spend enough on it. This credit card has even more value now that you can convert your cash back into Citi ThankYou Points to redeem for travel or transfer to airline and hotel partners.

Benefits

Drawbacks

Discover it® Cash Back

Our thoughts

Some people's purchase needs change throughout the year, and the Discover it® Cash Back offers rotating quarterly bonus categories to match your spending. Each quarter, cardholders can register to Earn 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. Plus, earn unlimited 1% cash back on all other purchases – automatically. The card is especially lucrative in its first year, since Discover matches your cashback at the end of the year for new cardholders, essentially doubling the rewards that you earn.

Benefits

Drawbacks

Gas rewards

Costco Anywhere Visa® Card by Citi

Apply Now

• On Citibank's Secure Website

Annual Fee

$0

APR

15.24% (Variable)

Credit Needed

?

Excellent

Editor's Rating

?

• Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
• The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

+ see card details

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Costco Anywhere Visa® Card by Citi

Our thoughts

The Costco Anywhere Visa® Card by Citi is an excellent option for gas purchases, since it earns 4% cash back on up to $7,000 in gas purchased from any eligible gas station each year (not just Costco gas stations). It does not have an annual fee and also awards bonus cash back on dining, travel and Costco purchases.

Benefits

Drawbacks

Grocery rewards

Blue Cash Preferred® Card from American Express

Apply Now

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

Annual Fee

$0 introductory annual fee for one year, then $95

APR

13.99%-23.99% Variable

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020
• Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
• 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 and no interest.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.

+ see card details

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Our thoughts

For people who are cooking at home and streaming more shows, the Blue Cash Preferred® Card from American Express is the ideal credit card. You'll earn 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. Plus, transit and gas earn 3% cash back for when you do leave the house.

Benefits

Drawbacks

Capital One® Savor® Cash Rewards Credit Card

Our thoughts

The Capital One® Savor® Cash Rewards Credit Card is one of the most rewarding options for people who like to eat at restaurants, attend events and have fun. You'll earn 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. It's a cashback card, which means rewards are simple to redeem – you can apply them as credits against purchases on your credit card statement at any time. The card comes with a $95 annual fee, but if you're a foodie and frequent event-goer, the rewards you earn can easily make up for that fee.

Benefits

Drawbacks

Hilton Honors American Express Aspire Card

Our thoughts

The Hilton Honors American Express Aspire Card is Hilton's luxury-level credit card with very lucrative benefits for frequent travelers and guests of Hilton hotels. You'll receive automatic Diamond elite status and an annual free weekend night. Big spenders can even earn a second free weekend night each year. Plus, there is a $250 annual resort credit that you can use at Hilton to pay for eligible resort charges.

Benefits

Drawbacks

Airline rewards

Delta SkyMiles® Platinum American Express Card

Apply Now

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

Annual Fee

$250

APR

15.74%-24.74% Variable

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
• Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
• Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
• With Status Boost™, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
• Fee Credit for Global Entry or TSA Pre✓®.
• Enjoy your first checked bag free.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 1X Miles on all other eligible purchases.
• Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
• No Foreign Transaction Fees.
• $250 Annual Fee.
• Terms Apply.

+ see card details

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Our thoughts

Travelers who fly regularly with Delta Air Lines will love the benefits from the Delta SkyMiles® Platinum American Express Card. It provides an annual companion pass certificate and an accelerated path to elite status based on your spending. Plus, Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.

Benefits

Drawbacks

The Business Platinum Card® from American Express

Our thoughts

The Business Platinum Card® from American Express offers many lucrative benefits for small business owners. It features up to $400 in credits toward travel and business purchases each year, making up most of the card's $595 annual fee if you take advantage of them. You'll earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

Benefits

Drawbacks

Discover it® Secured

Our thoughts

People who are working to build or rebuild their credit will like the Discover it® Secured. Unlike many cards geared toward people with lower credit scores, the Discover it® Secured offers a good cash rewards program. Plus, Discover matches any cash back earned at the end of the first year for new cardholders, basically doubling all the rewards that you earn. After eight months, Discover performs automatic monthly reviews to see if your secured card can be transitioned to one without a security deposit. If you keep your payments timely, you'll be well on your way to better credit.

Benefits

Drawbacks

General travel

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 60,000 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®
• 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 travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 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 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.

+ see card details

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Our thoughts

The Chase Sapphire Preferred® Card is a good travel rewards credit card for people who want to earn flexible points. It earns 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide. You can redeem those points practically any way you please – for cash back, for travel through Chase's travel portal for a 25% bonus, and many other options. You can also transfer points to one of Chase's airline or hotel partners at a 1:1 ratio. Plus, the card comes with other good travel benefits, including $0 foreign transaction fees and primary rental car insurance.

Benefits

Drawbacks

Capital One Venture Rewards Credit Card

Travel runner-up

Capital One Venture Rewards Credit Card

Apply Now

• On Capital One's Secure Website

Annual Fee

$95

APR

17.24% - 24.49% (Variable)

Credit Needed

?

Excellent/Good

Editor's Rating

?

• Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
• Earn unlimited 2X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
• Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
• No foreign transaction fees

+ see card details

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Our thoughts

The Capital One Venture Rewards Credit Card makes it easy to redeem rewards for travel purchases. You earn an unlimited 2 Miles per dollar on every purchase, every day, then "erase" your travel charges up to 90 days after with the rewards that you've earned. Its loyalty program has turned into one of the best flexible points programs with the addition of airline and hotel transfer partners.

Benefits

Drawbacks

For those looking to maximize their purchases to earn the most points or miles, any of these cards provide excellent value. You’ll want to pick the card that rewards you for your highest spending categories. Whether you want travel or cash back, these cards are best for savvy cardholders who don’t mind spending the extra time deciphering all of these rewards rates.