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Best All-Around Credit Card

Capital One Venture X Rewards Credit Card

4.5/5

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Rewards Rates

2 - 10X points

Rewards Rates

10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X 5X miles on flights booked through Capital One Travel.
2X 2 Miles per dollar on every purchase, every day

Intro Offer

75,000 miles

Annual Fee

$395

Recommended Credit

740-850

Excellent

740-850

Excellent

Why Our Editors Chose This Card

If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.

Pros

75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary

Cons

$395 annual fee
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal

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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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
Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available

Pros

75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary

Cons

$395 annual fee
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal

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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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
Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available

Pros

75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary

Cons

$395 annual fee
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal

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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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
Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available

Apply now at Chase's secure site

Best Travel Rewards Credit Card

Chase Sapphire Preferred® Card

4.5/5

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Rewards Rates

2 - 5X points

Rewards Rates

5x 5x on travel purchased through Chase Ultimate Rewards®
3x 3x on dining.
2x 2x on all other travel purchases, plus more.

Intro Offer

60,000 points

Annual Fee

$95

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Readers Chose This Card

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.

Pros

You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.  
The current sign-up bonus on this card is quite generous. TPG values it at $1,200
New annual $50 hotel statement credit when booked through Ultimate Rewards
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Pros

You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.  
The current sign-up bonus on this card is quite generous. TPG values it at $1,200
New annual $50 hotel statement credit when booked through Ultimate Rewards
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Pros

You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else.  
The current sign-up bonus on this card is quite generous. TPG values it at $1,200
New annual $50 hotel statement credit when booked through Ultimate Rewards
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Best Premium Travel Credit Card

The Platinum Card® from American Express

4.5/5

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$1,600 TPG VALUATION

Rewards Rates

5X points

Rewards Rates

5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Offer

Earn 80,000 points

Annual Fee

$695

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Readers Chose This Card

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.

Pros

The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Pros

The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Pros

The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Apply now at Wells Fargo's secure site

Terms & restrictions apply. See rates & fees

Apply now at Wells Fargo's secure site

Terms & restrictions apply. See rates & fees

Best No-Annual-Fee Credit Card

Bilt Mastercard®

3.5/5

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Rewards Rates

1 - 3X points

Rewards Rates

3X Points 3x points on dining
2X Points 2x points on travel
1X Points 1x points on other purchases
1X Points Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

Intro Offer

no offer

Annual Fee

None

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why Our Readers & Editors Chose This Card

The Bilt Rewards program offers a unique value proposition: Earn transferable points on rent, fee-free. Not to mention, Bilt has world-class partnerships with many popular airline and hotel loyalty programs that can help you get outsize value for your points. Even better, your points will transfer at an easy-to-understand, 1:1 ratio, and instantly for almost all programs.

Pros

No annual fee.
Offers the ability to earn points on rent — even when your landlord doesn’t accept credit cards
Complimentary cellphone protection.
No foreign transaction fees.
Trip cancellation and interruption protection.

Cons

You must make at least five transactions on your card each statement period to earn any points — but that should be easy given that cardholders will also earn 3 points per dollar at restaurants and 2 points per dollar on travel.

$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Pros

No annual fee.
Offers the ability to earn points on rent — even when your landlord doesn’t accept credit cards
Complimentary cellphone protection.
No foreign transaction fees.
Trip cancellation and interruption protection.

Cons

You must make at least five transactions on your card each statement period to earn any points — but that should be easy given that cardholders will also earn 3 points per dollar at restaurants and 2 points per dollar on travel.

$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Pros

No annual fee.
Offers the ability to earn points on rent — even when your landlord doesn’t accept credit cards
Complimentary cellphone protection.
No foreign transaction fees.
Trip cancellation and interruption protection.

Cons

You must make at least five transactions on your card each statement period to earn any points — but that should be easy given that cardholders will also earn 3 points per dollar at restaurants and 2 points per dollar on travel.

$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Best Business Credit Card

American Express® Business Gold Card

3.5/5

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Rewards Rates

1 - 4X points

Rewards Rates

4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X 1X is earned for other purchases. **
25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Intro Offer

70,000 points

Annual Fee

$295

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Readers Chose This Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.

Pros

You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back

Cons

Hefty $295 annual fee
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Pros

You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back

Cons

Hefty $295 annual fee
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Pros

You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
Pay for eligible flights booked with Amex Travel with points and get 25% of them back

Cons

Hefty $295 annual fee
No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold
There may be better options for small businesses who don't spend a lot

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply
See Rates & Fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Best Airline Cobranded Credit Card

Delta SkyMiles® Platinum American Express Card

3.5/5

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EARN 90,000 BONUS MILES

Rewards Rates

1 - 3X points

Rewards Rates

3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
1X Earn 1X Miles on all other eligible purchases.

Intro Offer

90,000 miles

50,000 Bonus Miles

Annual Fee

$250

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Readers Chose This Card

The Delta SkyMiles Platinum Amex is a good choice for Delta loyalists who need a little help reaching their elite status goals. This card offers some useful perks including an annual companion pass and your first checked bag free on Delta flights. Read our review of the Delta SkyMiles Platinum Amex card.

Pros

Earn bonus Medallion Qualifying Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
Receive a Domestic Main Cabin round-trip companion certificate each year
Fee credit for TSA PreCheck/Global Entry
First checked bag free

Cons

Doesn't make sense if you don't fly Delta
$250 annual fee
SkyMiles aren't the most valuable airline currency

Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
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 $80 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.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Mile on all other eligible purchases.
Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs 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.
No Foreign Transaction Fees.
$250 Annual Fee.
Terms Apply.
See Rates & Fees

Pros

Earn bonus Medallion Qualifying Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
Receive a Domestic Main Cabin round-trip companion certificate each year
Fee credit for TSA PreCheck/Global Entry
First checked bag free

Cons

Doesn't make sense if you don't fly Delta
$250 annual fee
SkyMiles aren't the most valuable airline currency

Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
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 $80 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.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Mile on all other eligible purchases.
Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs 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.
No Foreign Transaction Fees.
$250 Annual Fee.
Terms Apply.
See Rates & Fees

Pros

Earn bonus Medallion Qualifying Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year
Receive a Domestic Main Cabin round-trip companion certificate each year
Fee credit for TSA PreCheck/Global Entry
First checked bag free

Cons

Doesn't make sense if you don't fly Delta
$250 annual fee
SkyMiles aren't the most valuable airline currency

Earn 90,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 6 months.
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 $80 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.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Mile on all other eligible purchases.
Enjoy a per-visit rate of $50 per person for Card Members and up to two guests to enter the Delta Sky Club when traveling on a Delta flight.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs 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.
No Foreign Transaction Fees.
$250 Annual Fee.
Terms Apply.
See Rates & Fees

Apply now at Chase's secure site

Best Hotel Cobranded Credit Card

Marriott Bonvoy Boundless® Credit Card

4/5

Go to review

Rewards Rates

2 - 17X points

Rewards Rates

17X Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
3X Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
2X 2X points for every $1 spent on all other purchases.

Intro Offer

Limited Time Offer! Earn 100,000 Bonus Points

Annual Fee

$95

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Readers Chose This Card

The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards. Read our full review of the Marriott Bonvoy Boundless card.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with pathway to Gold
15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

There are better Marriott cards if you want higher tier status or no annual fee
Doesn't make sense if you don't stay at Marriott properties

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with pathway to Gold
15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

There are better Marriott cards if you want higher tier status or no annual fee
Doesn't make sense if you don't stay at Marriott properties

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with pathway to Gold
15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

There are better Marriott cards if you want higher tier status or no annual fee
Doesn't make sense if you don't stay at Marriott properties

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Best New/Refreshed Credit Card

Marriott Bonvoy Brilliant® American Express® Card

3.5/5

Go to review

Rewards Rates

2 - 6X points

Rewards Rates

6X Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
3X 3 points at Worldwide Restaurants and on flights booked directly with airlines.
2X 2 points on all other eligible purchases.

Intro Offer

95,000 points

Annual Fee

$650

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why Our Editors Chose This Card

The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee. Read our full review of the Marriott Bonvoy Brilliant.

Pros

Earn up to $300 in statement credits each account year for eligible purchases at restaurants worldwide (up to $25 per month).
1 free night award (up to 85,000 points) every year after your card renewal month, valid at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees)
Priority Pass Select membership (enrollment required)

Cons

$650 annual fee isn't insignificant
May not make sense if you don't stay at Marriott properties

Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques. Certain hotels have resort fees.
$100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
No Foreign Transaction Fees on international purchases.
Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.
See Rates & Fees

Pros

Earn up to $300 in statement credits each account year for eligible purchases at restaurants worldwide (up to $25 per month).
1 free night award (up to 85,000 points) every year after your card renewal month, valid at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees)
Priority Pass Select membership (enrollment required)

Cons

$650 annual fee isn't insignificant
May not make sense if you don't stay at Marriott properties

Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques. Certain hotels have resort fees.
$100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
No Foreign Transaction Fees on international purchases.
Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.
See Rates & Fees

Pros

Earn up to $300 in statement credits each account year for eligible purchases at restaurants worldwide (up to $25 per month).
1 free night award (up to 85,000 points) every year after your card renewal month, valid at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees)
Priority Pass Select membership (enrollment required)

Cons

$650 annual fee isn't insignificant
May not make sense if you don't stay at Marriott properties

Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques. Certain hotels have resort fees.
$100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
No Foreign Transaction Fees on international purchases.
Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.
See Rates & Fees

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