This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Unless you’ve been living under a rock, you know that we really, really like our credit cards here. We know the best ways to earn and burn points and miles, and we’re not intimidated by all those terms and acronyms. Naturally, we couldn’t help but wonder, what does your favorite credit card say about you as a person? Well, it turns out, probably more than you think.

Tip: Don’t take this article too seriously. It’s OK to laugh at yourself sometimes, we promise.

The Platinum Card® from American Express

You may be a bit of a snob, but hey, you appreciate quality and need to have the best of the best. You summer in the Hamptons or Martha’s Vineyard — and yes, you might just use “summer” as a verb. You probably have extensive, exotic trips lined up as you read this and are looking forward to racking up all those 5x points on airfare. You’d never be caught dead on public transportation because you’re too busy taking advantage of the card’s Uber benefits. You know exactly what the phrase “Akin’s Army” means and you’re pretty pumped about flying in the new Delta One Suites to Tokyo this fall.


Chase Sapphire Reserve

Let’s be real: You are secretly happy all your friends are a little jealous of you. New York is your favorite city in the world, and it’s not surprising since it’s the best place to rake in 3x points on all the incredible dining options. Even if you’ve totally jumped on board the whole health and wellness bandwagon, you know when Saturday night rolls around, you’ll be posted up at trendy bars — that is, if you’re not jetting off to the next foreign destination, thanks to your $300 in travel credit and Global Entry application fee waiver.

Citi Prestige

You’re somewhat of an underdog, but you don’t care… that much. You’re known for your habit of staying several days in a vacation spot — thanks to the card’s 4th Night Free Benefit — and your friends sometimes have a hard time figuring you out. You may or may not have a shopping addiction, only fueled further by Citi’s price rewind and protection programs. Suffice to say: You change your mind a lot.

Chase Sapphire Preferred

You have your finger on the pulse of what’s hot, but you don’t like saying it out loud, and you’re not necessarily the flashiest. You live by the motto “all things in moderation” — except when we’re talking about ordering food on Seamless and racking up 2x points in the process. If you haven’t been to Iceland yet, you definitely have a trip lined up in the next few months — and you know you’ll be taking full advantage of no foreign transaction fees almost as much as all of the photo ops.

Premier Rewards Gold Card from American Express

You, on the other hand, pretend not to be high-maintenance, but let’s be real — you definitely are. You can’t help it that you like nice things, but, hey, at least you have a somewhat moderate sensibility, right? You might be somewhat of a commitment-phobe, so it’s helpful that the card’s annual fee is waived the first year. You’re probably a foodie and can’t help but base your travel plans on restaurants.

Chase Freedom

You’re really organized and can juggle multiple things at once, like binge-watching Netflix while scrolling through 3 different apps on your phone and getting a head start on work for tomorrow — oh, and keeping track of rotating quarterly bonus categories. People sometimes underestimate you, but you have a few tricks up your sleeve — like getting 5% cash back (on up to $1,500 in purchases) and converting them into Ultimate Rewards points to get more value. Which is good, because you’ve needed a vacation since 2016.

Citi Double Cash Card

You’re not the most complex person out there, but you’re totally OK with it. Keeping things simple and straightforward is your MO, and you were pretty hesitant to sign up for a credit card in the first place. You’d take 50 economy flights over Singapore Suites any day.

Capital One Venture Rewards Credit Card

You’re the underratedly funny one in your group of friends and always have a witty one-liner up your sleeve. Your life is complicated enough trying to figure out if you’re “in ketosis” that you don’t have time to deal with transferring points and miles to various travel partners. You want to do your own thing anyway, and you couldn’t fathom ever staying in a chain hotel. You’re planning your friend’s bachelor/bachelorette party as we speak, and you better believe you’re getting that 20% rebate by booking through Hotels.com.

Debit Card

Hey, I don’t know if you know this, but there’s this site called The Points Guyyou should check it out sometime.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.