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Earn $200 Cash Back intro bonus
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
1 - 8% cash-back
$0
19.24% - 29.24% (Variable)
(670-850)Excellent, Good
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Best luxury travel rewards card
Apply for The Platinum Card® from American Express
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for The Platinum Card® from American Express
at American Express's secure site
Rewards
5X points
| 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®. |
Intro offer
As High As 175,000 points. Find Out Your Offer.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee
$695
Recommended Credit
Excellent to Good
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption.Pros
- The current welcome offer on this card is lucrative
- Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
- The Amex Platinum has 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 your next getaway
- Additional valuable card statement credits add up to save you hundreds of dollars every year
Cons
- If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
- The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 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.
- 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 up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $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 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.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Apply for The Platinum Card® from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best luxury travel rewards card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
| 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®. |
Intro Offer
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 175,000 points. Find Out Your Offer.Annual Fee
$695Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption.Pros
- The current welcome offer on this card is lucrative
- Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
- The Amex Platinum has 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 your next getaway
- Additional valuable card statement credits add up to save you hundreds of dollars every year
Cons
- If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
- The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 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.
- 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 up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $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 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.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Best for Freelancers
Apply for Ink Business Unlimited® Credit Card
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Ink Business Unlimited® Credit Card
at Chase's secure site
Rewards
1.5% cash-back
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Intro offer
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$0
Recommended Credit
670-850
Good, Excellent
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for earning cash back on business expenses. It can also be paired with another Ultimate Rewards card to convert its cash back into valuable Ultimate Rewards points. Because the card is tailored to small businesses, freelancers and sole proprietors are more likely to be approved.Pros
- No annual fee
- Flat 1.5% cash back on all purchases
- Primary insurance for car rentals
- Shopping protections
- Cash back can become points when paired with an eligible card
Cons
- Lacks bonus categories
- High spending requirement to receive the welcome bonus
- No conversion to Ultimate Rewards points without holding another eligible Chase card
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Apply for Ink Business Unlimited® Credit Card
at Chase's secure site
Terms & restrictions apply. See rates & fees
Best for Freelancers
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Intro Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.Earn $750 bonus cash backAnnual Fee
$0Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Good, Excellent
Why We Chose It
The Ink Business Unlimited card is a no-annual-fee small business card. Its simple rewards structure is surprisingly valuable and great for earning cash back on business expenses. It can also be paired with another Ultimate Rewards card to convert its cash back into valuable Ultimate Rewards points. Because the card is tailored to small businesses, freelancers and sole proprietors are more likely to be approved.Pros
- No annual fee
- Flat 1.5% cash back on all purchases
- Primary insurance for car rentals
- Shopping protections
- Cash back can become points when paired with an eligible card
Cons
- Lacks bonus categories
- High spending requirement to receive the welcome bonus
- No conversion to Ultimate Rewards points without holding another eligible Chase card
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
BEST CARD FOR EARNING FLAT-RATE MILES
Apply for Capital One Venture X Rewards Credit Card
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Venture X Rewards Credit Card
at Capital One's secure site
Rewards
2 - 10X miles
| 10 Miles | 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 miles
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
Annual Fee
$395
Recommended Credit
740-850
Excellent
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
The Capital One Venture X Rewards Credit Card is one of the best all-around travel credit cards. It offers a great welcome bonus, and cardholders can earn tons of miles on everyday spending, in addition to receiving a 10,000-mile anniversary bonus to boot. It has an annual fee of $395, but cardholders can count on a $300 annual credit toward travel booked through Capital One Travel each year and other valuable benefits, like access to Capital One’s growing family of airport lounges.Pros
- Welcome offer of 75,000 miles after you spend $4,000 on purchases in the first three months
- $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 locations and 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®
Apply for Capital One Venture X Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply. See rates & fees
BEST CARD FOR EARNING FLAT-RATE MILES
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
| 10 Miles | 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 when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travelEarn 75,000 milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Rewards Credit Card is one of the best all-around travel credit cards. It offers a great welcome bonus, and cardholders can earn tons of miles on everyday spending, in addition to receiving a 10,000-mile anniversary bonus to boot. It has an annual fee of $395, but cardholders can count on a $300 annual credit toward travel booked through Capital One Travel each year and other valuable benefits, like access to Capital One’s growing family of airport lounges.Pros
- Welcome offer of 75,000 miles after you spend $4,000 on purchases in the first three months
- $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 locations and 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®
BEST NO FOREIGN TRANSACTION FEE CARD FOR BUILDING CREDIT
Apply for Capital One Platinum Secured Credit Card
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Platinum Secured Credit Card
at Capital One's secure site
Rewards
no offer
Intro offer
Annual Fee
$0
Recommended Credit
Limited, Bad
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
You will not earn rewards with this card — it’s designed to help you establish or repair poor credit, making it a good starter card if you want to raise your credit score or establish yourself as a responsible cardholder.Pros
- No foreign transaction fees
- No annual fee
Cons
- Does not earn any rewards
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Apply for Capital One Platinum Secured Credit Card
at Capital One's secure site
Terms & restrictions apply. See rates & fees
BEST NO FOREIGN TRANSACTION FEE CARD FOR BUILDING CREDIT
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
Intro Offer
no offerAnnual Fee
$0Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Limited, Bad
Why We Chose It
You will not earn rewards with this card — it’s designed to help you establish or repair poor credit, making it a good starter card if you want to raise your credit score or establish yourself as a responsible cardholder.Pros
- No foreign transaction fees
- No annual fee
Cons
- Does not earn any rewards
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app