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American Express Platinum

Best Luxury Travel Rewards Card

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  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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®.
  • $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 in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. 
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Earning Rewards

This card is the most rewarding for travel, with 5x on flights booked directly with the airline or through Amex Travel (on up to $500,000 on these purchases each calendar year) and 5x on hotels booked through Amex Travel. 

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American Express Gold - Best For Dining

Best Luxury Travel Rewards Card

  MORE DETAILS

  •  Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. 
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • 84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Annual fee:  $325.

QUICK SUMMARY

 The American Express® Gold Card is widely known as having some of the best spending category bonuses of any card on the market. This card has a reasonable annual fee, great bonus, and plenty of perks that are valuable to just about anyone. 

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Chase Sapphire - The Best Beginner Credit Card

The Best Beginner Credit Card

 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 bonus points. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.


ANNUAL FEE $95


RECOMMENDED CREDIT 670-850 Excellent/Good 


MORE DETAILS

  • 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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
  • Member FDIC

Earning Rewards

The card recently revamped its earning rates. Now, you can rack up 5 points per dollar on travel booked through the Ultimate Rewards portal, 3 points per dollar on dining and select streaming services, 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on other travel purchases, and 1 point per dollar on all other eligible purchases.  

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Chase Ink Business Unlimited

Chase Ink Business Unlimited

 REWARDS RATES

  • 1.5% Earn unlimited 1.5X on every purchase made for your business


INTRO OFFER $750 Earn $750 bonus cash back (75,000 points) after you spend $6,000 on purchases in the first 3 months from account opening


ANNUAL FEE $0 


RECOMMENDED CREDIT 670-850 Good, Excellent 


 MORE DETAILS

  • Earn $900 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.
  • Member FDIC

Earning Rewards

The Ink Business Unlimited has a very simple earning model: 1.5X points on all purchases. There are no rotating or bonus categories and no spending cap on the cash back.  

Learn how to Apply

Chase Ink Business Cash

Chase Ink Cash

 REWARDS RATES

  • 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn


INTRO OFFER $350  Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening


ANNUAL FEE $0


RECOMMENDED CREDIT 670-850 Good, Excellent 

Earning Rewards

 With the Ink Cash, you’ll earn 5% cash back on the first $25,000 you make in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services. Plus, you’ll earn 2% cash back on the first $25,000 you make in combined purchases at gas stations and restaurants each account anniversary year. You’ll earn 1% cash back on all other purchases, including on spending over $25,000 each account anniversary year in the 5% and 2% categories. 

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BILT - Zero Fee Rent Payments

Earn Points On Rent

 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 100,000 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 Earn 5x points on all eligible purchases for the first five days, up to 50,000 bonus points 


RECOMMENDED CREDIT 670-850 Excellent, Good


MORE DETAILS

  • $0 Annual Fee.
  • Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.

Earning Rewards

 Earn 3 points per dollar on dining, 2 points per dollar on travel and 1 point per dollar on other transactions, including rent. You can earn up to 100,000 points from rent payments per year, plus opportunities to earn double points in other categories on the first day of each month. 

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