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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
6 Best Credit Cards for Phone Protection in October 2026
UpdatedSeptember 21, 2026
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel benefits
Capital One Venture X Rewards Credit Card
Intro offerEarn 75,000 bonus miles
Annual fee$395
You'll earn2-10 miles
Regular APR19.74% - 28.74% (Variable)
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
If protecting your cellphone is important to you, consider adding one of the best credit cards for phone protection to your wallet. Smartphones are a central part of our daily lives and they’re also expensive, so it’s important to safeguard these devices from unexpected loss or damage. Replacing a smartphone can easily cost well over $1,000, which is why the risk of damage or theft is a concern.
Choosing a credit card that offers comprehensive protection against phone theft, damage and loss can provide you with peace of mind. We’ve created a list of the best credit cards with phone protection below, ensuring your smartphone and financial wellness remain secured and uncompromised.
Browse by card categories
Comparing the best cards for phone protection
MoreDetails
“More details on the best phone protection credit cards”
How we rate
We rated the best phone protection credit cards based on several factors, including reward earning rates, benefits that come with each card and the overall value each card delivers to you. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus
We included cards that featured solid welcome bonuses with varying minimum spend thresholds to fit different budgets.
Annual fee
Our top picks feature varying annual fees that provide a range of benefits.
Earning rates
We chose phone protection cards that feature advantageous earning rates to get the most out of your purchases.
Redemption options
Our selections provide various options for reward redemptions.
Added benefits
In addition to offering phone protection, our picks also come with multiple other benefits.
How to choose a credit card with cellphone protection
Ideally, you want to choose a card that offers the highest protection. For example, the Wells Fargo Reflect® Card covers up to $600 per claim, whereas the American Express Platinum Card® covers up to $800 per claim*. It’s also worth noting the difference in annual fees. It may not be worth paying a high annual fee when you can get slightly less coverage from a credit card with a lower or no annual fee.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Here are some of the main points to consider when choosing a card for phone protection:
1
Sign-up bonus
Select a card that comes with a decent sign-up bonus since you can use that reward for future travel plans or to pay down your balance in the case of a cash-back card. Pick the option with a reachable spend threshold in a rewards currency that will be valuable to you.
2
Annual fee
Our list of cards with phone protection come at various annual fee levels, from cards with no annual fee to more premium cards that come with higher annual fees. Pick a card with a fee level that makes sense for your budget.
3
Bonus categories
Many credit cards for cellphone protection also come with various bonus categories, which can be leveraged to earn more rewards on your most frequent purchases.
Ensure credit card cellphone protection by setting up autopay - The Points Guy
Link a credit card with cellphone protection to your mobile bill
Using phone protection cards responsibly can help you build your credit score
Cards with phone protection can give smartphone users peace of mind
You can use your credit card to ensure you're protected if you were to damage, lose or have your phone stolen
Many cards with cellphone protection also come with other perks and benefits
Cons
Credit cards for phone protection can encourage overspending
Carrying a balance and using your card for cellphone protection irresponsibly can damage your credit score
Having too many card applications can negatively affect your credit score
The cost of borrowing on credit cards is higher than traditional loans
Frequently asked questions
What credit cards offer free cellphone insurance?
There is a wide range of cards that offer cellphone protection. Travel cards such as the Chase Sapphire Reserve® and American Express Platinum Card® offer cellphone insurance. Cash-back credit cards, such as the Ink Business Premier® Credit Card, and cobranded cards, including the Delta SkyMiles® Platinum Business American Express Card, also provide cellphone insurance. If you want free cellphone insurance, check a card’s benefits on the issuer’s website before applying.
How does credit card cellphone protection work?
Most protection plans offered by credit cards cover damage and theft. Protection amounts for the cards listed on this page vary from $600 to $1,000. In order to be eligible for the protection, most companies require that you pay for your phone bill with their credit card.
Are credit cards with phone protection worth it?
Knowing you have your phone protected could really pay big dividends if your expensive smartphone is damaged or stolen. Make sure to set up automatic payment for your monthly cellphone bill with a credit card that offers cellphone protection.
Which cellphone protection credit card is best?
The best cellphone protection credit card is one that offers additional benefits you can utilize, such as statement credits, or has an annual fee you are comfortable paying year after year. If a card earns you rewards, provides benefits apart from cellphone protection and has an annual fee worth paying, then that’s the best card for you.
“Provided I charge my monthly cell phone bill to my Venture X card on the month my phone is damaged or stolen, I’m protected thanks to the benefits* of being a Venture X cardholder. Having such comprehensive coverage offers lots of peace of mind.”
“Who hasn’t had to replace their iPhone screen at least once? Whether I accidentally drop and crack my phone screen or it gets stolen, this card covers up to $800 per claim (two claims per 12-month period), making it ideal for everyday phone protection coverage.”
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
Why we chose it
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Why we chose it
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
View more
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Why we chose it
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Why we chose it
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros + cons
Pros
Solid bonus categories
No annual fee
Generous introductory APR offer
Cell phone protection when you pay your monthly bill on purchases with the card (subject to a deductible)
Cons
No luxury perks
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros + cons
Pros
This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look.
Cons
The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).
The card also has a $95 annual fee.
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best for unlimited point earning
Wells Fargo Autograph Journey® Card
TPG editor's rating
Best for premium travel perks and digital entertainment
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
Best for premium travel perks and digital entertainment
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
Pros + cons
Pros
Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection
Cons
High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications
More details
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
Pros + cons
Pros
No annual fee
Flat 2% cash reward rate means no bonus category tracking is necessary
Cons
Charges a 3% foreign transaction fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for cash rewards
Wells Fargo Active Cash® Card
TPG editor's rating
740-850
Excellent
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
3.5
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
3X
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
1X
Earn 1X points on other purchases
Intro offer
20,000 bonus points
Annual fee
$0
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent/Good
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Why we chose it
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
View more
Pros
Solid bonus categories
No annual fee
Generous introductory APR offer
Cell phone protection when you pay your monthly bill on purchases with the card (subject to a deductible)
Cons
No luxury perks
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Why we chose it
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros + cons
Pros
Solid bonus categories
No annual fee
Generous introductory APR offer
Cell phone protection when you pay your monthly bill on purchases with the card (subject to a deductible)
Cons
No luxury perks
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Why we chose it
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros
Solid bonus categories
No annual fee
Generous introductory APR offer
Cell phone protection when you pay your monthly bill on purchases with the card (subject to a deductible)
Cons
No luxury perks
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
20,000 bonus points
Annual fee
$0
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent/Good
Why we chose it
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros + cons
Pros
Solid bonus categories
No annual fee
Generous introductory APR offer
Cell phone protection when you pay your monthly bill on purchases with the card (subject to a deductible)
Cons
No luxury perks
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
3
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5X points with hotels
4X
Earn 4X points with airlines
3X
Earn 3X points on restaurants and other travel
1X
Earn 1X points on other purchases
Intro offer
60,000 bonus points
Annual fee
$95
Regular APR
19.74%, 25.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent/Good
Why we chose it
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
View more
Pros
This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look.
Cons
The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).
The card also has a $95 annual fee.
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Why we chose it
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros + cons
Pros
This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look.
Cons
The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).
The card also has a $95 annual fee.
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Why we chose it
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros
This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look.
Cons
The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).
The card also has a $95 annual fee.
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
60,000 bonus points
Annual fee
$95
Regular APR
19.74%, 25.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent/Good
Why we chose it
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros + cons
Pros
This card comes with valuable earnings rates and a handful of transfer partners — a first for Wells Fargo — along with a number of perks that make the card worth a look.
Cons
The Wells Fargo transfer program has only a handful of partners, limiting your redemption options (though the list of partners has a chance to keep growing).
The card also has a $95 annual fee.
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
4.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
View more
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
Why we chose it
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro offer
Earn 100,000 bonus points
Annual fee
$95
Regular APR
17.99% - 26.99% Variable
Recommended credit
670-850
Good, Excellent
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC
Why we chose it
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
View more
Pros
Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection
Cons
High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC
Why we chose it
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
Pros + cons
Pros
Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection
Cons
High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications
More details
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC
Why we chose it
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
Pros
Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection
Cons
High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 100,000 bonus points
Annual fee
$95
Regular APR
17.99% - 26.99% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
Pros + cons
Pros
Relevant bonus categories to business owners for a reasonable $95 annual fee
Access to the Chase Ultimate Rewards portal for points redemption
Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
Additional perks including extended warranty, cellphone protection and purchase protection
Cons
High spending needed to get the welcome bonus
Subject to Chase's 5/24 rule on card applications
More details
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC
3.5
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
2%
Earn unlimited 2% cash rewards on purchases
Intro offer
$100 cash rewards
Annual fee
$0
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent, Good
Why we chose it
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
View more
Pros
No annual fee
Flat 2% cash reward rate means no bonus category tracking is necessary
Cons
Charges a 3% foreign transaction fee
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Why we chose it
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
Pros + cons
Pros
No annual fee
Flat 2% cash reward rate means no bonus category tracking is necessary
Cons
Charges a 3% foreign transaction fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Why we chose it
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
Pros
No annual fee
Flat 2% cash reward rate means no bonus category tracking is necessary
Cons
Charges a 3% foreign transaction fee
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
at Wells Fargo's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
$100 cash rewards
Annual fee
$0
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Recommended credit
670-850
Excellent, Good
Why we chose it
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
Pros + cons
Pros
No annual fee
Flat 2% cash reward rate means no bonus category tracking is necessary
Cons
Charges a 3% foreign transaction fee
More details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
American Express Platinum Card®
