Top Pick for 2023: Best Credit Card for Rewards and Benefits

Best Credit Cards 2023

Experience unparalleled rewards and exclusive benefits with the top pick for the year. The following credit card stands out from the rest, offering a perfect combination of generous rewards, valuable perks, and exceptional features. Whether you're a frequent traveler seeking travel rewards, a cashback enthusiast, or someone looking for premium benefits, this card has it all. Get ready to elevate your financial experience with the Best Credit Card of 2023, designed to enhance your lifestyle and maximize your rewards potential. 

1) Hilton Honors American Express Surpass® Card: Elevate Your Hilton Stays 

The Hilton Honors American Express Surpass® Card has a variable APR of 20.74% to 29.74%, based on your creditworthiness. This means that your interest rate will fluctuate depending on the Prime Rate, which is the interest rate set by the Federal Reserve. 

The current Prime Rate is 5.00%. The annual fee is $95. The Hilton Honors American Express Surpass® Card offers a welcome bonus of 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 in purchases on the card in the first 3 months of card membership. Offer ends July 19.

The Hilton Honors American Express Surpass® Card requires a credit score of good and excellent. This is a good credit score, and you are more likely to be approved for this card if you have a good credit history.

If you are looking for a credit card that offers rewards for staying at Hilton hotels, the Hilton Honors American Express Surpass® Card is a good option. It has a generous welcome bonus, and you can earn points for every dollar you spend at Hilton Hotels. 

The card also offers other benefits, such as complimentary Hilton Gold status and access to Priority Pass lounges. However, it is important to note that the Hilton Honors American Express Surpass® Card has a high APR.  If you carry a balance on your card, you will be charged interest on your purchases. Therefore, it is important to pay your bill in full each month to avoid paying interest charges.

Advantages of Hilton Honors American Express Surpass® Card

Generous welcome bonus: Earn 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 in purchases on the card in the first 3 months of card membership.

• Earn points for every dollar you spend: Earn 12 points per dollar at Hilton hotels and resorts, 6 points per dollar at U.S. restaurants (including takeout and delivery), U.S. supermarkets, and U.S. gas stations, and 3 points per dollar on all other eligible purchases.
• Complimentary Hilton Gold status: Enjoy benefits such as late checkout, room upgrades, and bonus points when you stay at Hilton hotels.
• Access to Priority Pass lounges: Get access to over 1,300 Priority Pass lounges around the world.
• No foreign transaction fees: You won't be charged foreign transaction fees when you use your card outside of the United States.

Disadvantages of Hilton Honors American Express Surpass® Card

• High annual fee: The annual fee is $95.
• No automatic annual free night: You have to spend $15,000 in a calendar year to earn a free weekend night award.
• Credit score requirements: The card is designed for individuals with good to excellent credit, so those with lower credit scores may not be approved or may receive a higher APR.
• Variable APR: The card's variable APR can fluctuate based on the prime rate and other factors, making it difficult to predict the ongoing cost of carrying a balance on the card.

Hilton Honors American Express Surpass® Card Additional Features:

Complimentary Hilton Honors Gold Status

You will receive complimentary Hilton Honors Gold status when you have the Card. Additionally, if you spend $40,000 on eligible purchases with your Card within a calendar year, you have the opportunity to upgrade to Hilton Honors Diamond status, which will be valid until the end of the following calendar year. Certain terms and limitations apply.

Moreover, by spending $15,000 on eligible purchases with your Card, you can earn a Free Night Reward from Hilton Honors. This reward provides you with a complimentary night's stay at participating Hilton hotels. 

Free Night Reward

When you spend $15,000 on eligible purchases with your Card within a calendar year, you will have the opportunity to earn a Free Night Reward from Hilton Honors. This reward allows you to enjoy a complimentary night's stay at participating Hilton hotels.

Priority Pass™ Select – 10 Complimentary Visits

Indulge in relaxation with 10 complimentary airport lounge visits each year as a member of Priority Pass™ Select. This exclusive membership grants you access to over 1,200 lounges across more than 130 countries, providing you with a tranquil and comfortable space during your travels. 

Travel

The travel benefit package offers a range of valuable perks to customers. These include a Free night reward, providing an opportunity to enjoy a complimentary stay after meeting certain spending requirements. 

Customers can benefit from Priority Pass™ Select, which grants them 10 complimentary visits to airport lounges, allowing for a comfortable and relaxing travel experience. 

The package also includes Complimentary Gold Status, providing access to exclusive privileges within the Hilton Honors program. 

Customers can enjoy the convenience of No Foreign Transaction Fees, making international transactions more seamless. 

In the event of car rental loss or damage, customers can rely on Car Rental Loss and Damage Insurance for added peace of mind. 

The final package offers the Global Assist® Hotline, providing assistance and support during travel emergencies. These benefits collectively make the travel benefit package highly advantageous and beneficial to customers. 

Shopping and Entertainment

This benefit has ShopRunner and American Express Card Member.

ShopRunner, you can enjoy the convenience of free 2-day shipping* on eligible items from over 100 online stores. 

As a benefit of your eligible Card, you can enroll in a complimentary membership and start taking advantage of this perk. Simply visit shoprunner.com/americanexpress to enroll now.‡ 

Please note that a minimum purchase may be required, and terms and conditions apply.

American Express Card Member, you'll have access to exclusive experiences through American Express Experiences. 

Stay informed about ticket presales‡ and Card Member-only events happening in your city and beyond. Whether it's Broadway shows, concert tours, family events, or sporting events, you'll have the opportunity to enjoy these experiences before the general public. Keep up-to-date and make the most of your Card membership.

Additional Services 

This feature includes several benefits such as Spend & Split, Dispute Resolution, Year-End Summary, Pay It Plan It, and Additional Cards. These features can greatly enhance the customer experience.

With Spend & Split, customers can easily split expenses with friends or family, making it convenient and hassle-free. Dispute Resolution provides a streamlined process for resolving any billing disputes, ensuring peace of mind. 

The Year-End Summary feature offers a comprehensive summary of spending, helping customers better manage their finances. Pay It Plan It allows for flexible payment options, giving customers more control over their payments.  Lastly, the option for Additional Cards provides the opportunity to extend the benefits of the feature to family members or trusted individuals.  

2) Hilton Honors Aspire Card from American Express: Experience Opulent Hospitality

The Hilton Honors Aspire Card from American Express is a premium credit card that caters to frequent Hilton hotel guests. The card offers a welcome bonus of 150,000 Hilton Honors Bonus Points after spending $4,000 on purchases in the first three months of account opening.  The APR for purchases on the card is variable and ranges from 20.74% to 29.74%, depending on creditworthiness. The card has a high annual fee of $450.

One of its main features is that cardholders receive complimentary Diamond status which offers several benefits to frequent Hilton guests such as room upgrades, late checkout, and premium Wi-Fi. Cardholders also qualify for a $250 airline fee credit which can be used to offset incidental fees such as baggage fees and in-flight purchases. 

Another feature is the $250 Hilton resort credit that is awarded annually for eligible purchases at participating Hilton Resorts. The card offers 14x Hilton Honors Bonus Points on eligible purchases made directly with Hilton hotels and resorts, 7x Hilton Honors Bonus Points for flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants, and 3x Hilton Honors Bonus Points on all other eligible purchases.

There is also a free weekend night reward that cardholders receive each year after account renewal and a Priority Pass Select membership that offers access to over 1,300 airport lounges worldwide.  The Hilton Honors Aspire Card has a credit score requirement of excellent which usually means a FICO score of 670 or higher. While the Hilton Honors Aspire Card from American Express provides numerous benefits and rewards, it caters primarily to frequent Hilton guests.

Those who do not stay at Hilton hotels frequently may not be able to earn enough points to offset the high annual fee. It's important to compare different travel credit cards before making a decision and determine which one fits your spending habits the most. The Hilton Honors Aspire Card is an excellent choice if you often stay at Hilton hotels and want to earn rewards for your spending. The welcome bonus provides a significant amount of points, and the benefits can help save money on travel. 

However, it's important to note that the card has a high annual fee, so consider whether the rewards and benefits outweigh this cost. Before applying, take into account your spending habits and frequency of staying at Hilton hotels.  If you rarely stay at Hilton properties, it may be challenging to accumulate enough points to offset the annual fee. Additionally, consider your existing credit cards, especially if you already possess a card with high rewards for travel.

To make an informed decision, compare the Hilton Honors Aspire Card to other travel credit cards available in the market. This way, you can determine which card aligns best with your travel needs and financial goals.

Key Advantages of Hilton Honors Aspire Card

• Complimentary Hilton Honors Diamond status
• Annual Free Night Reward from Hilton Honors
• Up to $250 in statement credits for eligible purchases made directly with participating Hilton Resorts each anniversary year
• Up to $250 per year in credits for incidental fees charged by one selected airline to your Hilton Honors Aspire Card
• 14x points on hotels and resorts in the Hilton portfolio
• 7x points on select travel
• 7x points on dining
• 3x points on other eligible purchases
• Welcome bonus: Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 on purchases on your Card in your first 3 months of Card Membership.
• No foreign transaction fees

Disadvantages of Hilton Honors Aspire Card

• High annual fee: $450
• High APR: 15.49% - 25.49% variable
• Not available to people with poor credit
• Some benefits have restrictions

Additional Features of Hilton Honors Aspire Card

Complimentary Diamond Status

With the Hilton Honors Aspire Card, you can indulge in the luxury of complimentary Hilton Honors Diamond status.

Annual Free Night Reward

With the Hilton Honors American Express Aspire Card, you can revel in the delight of receiving one Free Night Reward upon card activation and each year upon renewal. Additionally, when you spend $60,000 on purchases within a calendar year, you'll earn an extra night to enhance your Hilton Honors experience.

$250 Hilton Resort Statement Credit

Every year during your Card Membership, you can enjoy the advantage of receiving up to $250 in statement credits on your Card Account for eligible purchases made directly with participating Hilton Resorts. It's a valuable benefit that adds to the perks of being a cardholder. 

Travel

• Complimentary Hilton Honors Diamond status: Enjoy complimentary Hilton Honors Diamond status with your Hilton Honors Aspire Card. This status includes a number of benefits, such as:
  • Room upgrades
  • Late checkout
  • Complimentary breakfast
  • Bonus points on stays
• Annual Free Night Reward from Hilton Honors: Earn one Free Night Reward from Hilton Honors each year after your Card anniversary. This reward can be redeemed for a stay at any Hilton hotel or resort, regardless of the category.
• Up to $250 in statement credits for eligible purchases made directly with participating Hilton Resorts each anniversary year: You can earn up to $250 in statement credits each year for eligible purchases made directly with participating Hilton Resorts. This can be used to cover the cost of things like room charges, food and beverage, and spa treatments.
• Up to $250 per year in credits for incidental fees charged by one selected airline to your Hilton Honors Aspire Card: You can earn up to $250 per year in credits for incidental fees charged by one selected airline to your Hilton Honors Aspire Card. This can be used to cover the cost of things like checked bags, seat assignments, and in-flight food and beverage.

Shopping & Entertainment

• 14x points on hotels and resorts in the Hilton portfolio: Earn 14x points on eligible purchases made directly with hotels and resorts in the Hilton portfolio. This includes stays at Hilton hotels, Conrad hotels, Waldorf Astoria hotels, and other Hilton brands.
• 7x points on select travel: Earn 7x points on eligible purchases made on flights booked directly with airlines or through Amex Travel, as well as car rentals booked directly with select car rental companies.
• 7x points on dining: Earn 7x points on eligible purchases made at U.S. restaurants, including takeout and delivery.
• 3x points on other eligible purchases: Earn 3x points on all other eligible purchases.

Additional Services

• No foreign transaction fees: There are no foreign transaction fees when you use your Hilton Honors Aspire Card to make purchases abroad. This can save you money on currency exchange rates.
• Purchase protection: Purchase protection covers your purchases against damage or theft for up to 120 days after purchase. If your purchase is damaged or stolen, you may be able to get a refund or replacement.
• Extended warranty protection: Extended warranty protection extends the manufacturer's warranty on eligible items for up to an additional year. This can save you money on repairs or replacements if your item breaks down.
• Travel accident insurance: Travel accident insurance provides coverage for you and your family members in the event of an accident while traveling. This can cover medical expenses, lost wages, and funeral expenses.
• Baggage insurance: Baggage insurance provides coverage for your checked and carry-on luggage in the event of loss or damage. This can cover the cost of replacing your belongings.
• Rental car insurance: Rental car insurance provides coverage for damage to your rental car in the event of an accident. This can save you money on the cost of insurance from the rental car company.
• Global Entry or TSA PreCheck application fee credit: You can earn a statement credit of up to $100 each year to help cover the cost of applying for Global Entry or TSA PreCheck. These programs can speed up your entry into the United States when you arrive at the airport.

3) The Ultimate Cashback Champion: Wells Fargo Active Cash® Card

The Wells Fargo Active Cash Card is a cashback credit card that offers unlimited 2% cash rewards on purchases and a $200 cash rewards bonus after spending $500 in purchases within the first three months of account opening.  The card also comes with a 0% intro APR for 15 months on purchases and qualifying balance transfers, which makes it a great option for those who want to earn rewards while paying off their balances interest-free. Upon completion of this process, your variable APR will be set at either 19.99%, 24.99%, or 29.99%. 

It is important to note that balance transfers made within 120 days of opening your account are eligible for the introductory rate and accompanying fee.  There is no annual fee charged for this card. To apply for the Wells Fargo Active Cash Card, you can either apply online on the Wells Fargo website or visit a Wells Fargo location near you. To be eligible, you must have a good or excellent credit score.

Pros of the Wells Fargo Active Cash^® Card:

• 2% cash rewards on purchases
• $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening
• 0% intro APR for 15 months on purchases and qualifying balance transfers
• No annual fee

Cons of the Wells Fargo Active Cash^® Card

• 3% foreign transaction fee on purchases made outside the United States
• Limited consumer benefits, such as purchase protection and extended warranty coverage
• Rewards redemptions are somewhat tailored to existing Wells Fargo customers
• After 15 months, the variable APR for purchases and balance transfers will be 17.99% to 29.99%, based on creditworthiness.

What are the Additional Features of the Wells Fargo Active Cash® Card?

Enhanced Cell Phone Protection

Receive up to $600 in cell phone protection against damage or theft when you make your monthly cell phone payment using your eligible Wells Fargo card (subject to a $25 deductible). Specific terms and conditions apply.

Advanced Security Measures

Ensure the security of your account information with state-of-the-art security features such as Voice Verification and 2-step Verification during sign-on.

Wells Fargo Mobile App

Manage your bills and monitor your account activity conveniently from home or while on the move with the Wells Fargo Mobile app

Zero Liability Assurance

Rest easy knowing that you won't be held accountable for any unauthorized transactions, provided you report them promptly

Contactless Convenience

Experience the convenience of tapping your card wherever you see the Contactless Symbol, making your checkout process swift and hassle-free.

Credit Close-Up℠ Service Mark

Empower yourself with the Credit Close-Up℠ service mark, offering valuable insights to help you understand, track, improve, and maintain your FICO Score. Enroll now to receive monthly FICO Score updates and personalized credit advice. This service is complimentary for Wells Fargo Online customers, and using it will not have a negative impact on your credit score.

Maximize Your Earnings with Wells Fargo Active Cash: Best Cash Back Earning Rate

Discover the unmatched benefits of Wells Fargo Active Cash, a leading contender among the range of unlimited 2% flat-rate cash-back cards available in the market.  With its enticing 2% cash rewards on every purchase, this card is particularly attractive for individuals who make diverse expenditures across various categories. 

It surpasses the more common 1.5% cash-back cards, making it a top choice for those seeking a hassle-free experience without the need to remember to opt into bonus categories each quarter.  Whether your expenses encompass travel, groceries, restaurants, or beyond, the 2% flat rate remains the card's standout feature. Embrace the simplicity and generous rewards offered by Wells Fargo Active Cash, empowering you to make the most of your spending.

Exploring the Maximum Credit Limit on a Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card offers a credit limit that typically falls within the range of $1,000 to $20,000 or even higher, as reported by users whose experiences we have reviewed. It's important to note that the actual credit limit granted to each cardholder may vary and depends on various factors, including their annual income and credit history.

When determining the credit limit for a Wells Fargo Active Cash® Card, the issuer takes into consideration the applicant's financial standing, including their income level and creditworthiness. A higher annual income and a strong credit history often contribute to a higher credit limit being extended. On the other hand, individuals with lower incomes or limited credit history might receive a lower initial credit limit.

It's worth noting that credit limits can be adjusted over time. As cardholders establish a positive payment history and demonstrate responsible credit usage, they may have opportunities to request a credit limit increase. Wells Fargo periodically reviews cardholder accounts for potential credit limit adjustments, considering factors such as payment history and credit utilization.

It's important for prospective cardholders to be aware that the specific credit limit they receive for the Wells Fargo Active Cash® Card will ultimately depend on their individual financial circumstances. It's advisable to review the terms and conditions provided by Wells Fargo and consider reaching out to their customer support for more personalized information regarding credit limit expectations.

4) Amazon Prime Rewards Visa Signature Card: Maximizing Grocery Rewards

The Amazon Prime Rewards Visa Signature Card is a credit card issued by Chase that offers 5% cash back on Amazon and Whole Foods purchases, 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. 

The card also has no annual fee and no foreign transaction fees. To be eligible for the card, you must have an Amazon Prime membership.  Amazon Prime is a subscription service that offers free two-day shipping on eligible items, as well as access to other benefits such as Prime Video and Prime Music.

The Amazon Prime Rewards Visa Signature Card is a good option for people who shop at Amazon and Whole Foods frequently. The card also offers a variety of travel benefits, such as travel accident insurance and trip cancellation/interruption insurance.

The Amazon Prime Rewards Visa Signature Card is a highly sought-after credit card specifically designed for Amazon Prime members. With no annual fee, it provides a cost-effective solution for those who frequently shop on Amazon.com.

Upon approval, cardholders receive a sign-up bonus in the form of a $100 Amazon.com gift card, which is promptly credited to their account. The card's APR is variable, currently ranging from 18.99% to 26.99% depending on the applicant's creditworthiness.

Ideal for individuals with good to excellent credit scores (typically 670 or higher), the Amazon Prime Rewards Visa Signature Card offers an enticing 5% cashback reward on all purchases made on Amazon.com. 

Additionally, it provides 2% cashback at restaurants, gas stations, and drugstores, and 1% cashback on all other purchases. Notably, the card offers several travel benefits, including no foreign transaction fees, travel accident insurance, and baggage delay insurance. 

It also provides extended warranty protection and purchase protection for eligible purchases. Moreover, as a Visa Signature card, it grants access to exclusive benefits such as concierge service, roadside assistance, and exclusive events and experiences.

For avid Amazon shoppers seeking robust rewards and travel benefits, the Amazon Prime Rewards Visa Signature Card is an excellent choice. It is important, however, to use credit cards responsibly by making timely payments to avoid any negative impact on credit scores.

Amazon Prime Rewards Visa Signature Card - Advantages

• 5% cash back on Amazon and Whole Foods purchases
• 2% cash back at restaurants, gas stations, and drugstores
• 1% cash back on all other purchases
• No annual fee
• No foreign transaction fees
• Travel benefits, such as travel accident insurance and trip cancellation/interruption insurance

Amazon Prime Rewards Visa Signature Card - Disadvantages

• You must have an Amazon Prime membership to be eligible for the card
• The cash-back rewards are not as high as some other credit cards
• The card does not offer any sign-up bonus

Amazon Prime Rewards Visa Signature Card - Additional Features

Amazon.com Purchases

• Earn unlimited 5% cash back on Amazon.com purchases with an eligible Prime membership.
• Eligible purchases include digital downloads, Amazon Gift Cards, Amazon Prime subscriptions, items sold by third-party merchants through Amazon.com's marketplace, and more.
• Exclusions apply to purchases from merchants using Amazon Pay, international Amazon retail sites, and specific websites operated by Amazon.

Whole Foods Market

• Earn unlimited 5% cashback at Whole Foods Market online or in-store with an eligible Prime membership.
• This benefit is in addition to any in-store promotions.
• Exclusions apply to certain third-party sites, specific products and services, event tickets or classes, and more.

Amazon Fresh

• Earn unlimited 5% cash back at Amazon Fresh online or in-store with an eligible Prime membership.
• This benefit is in addition to any in-store promotions.

Chase Travel

• Earn unlimited 5% cash back on Chase Travel purchases with an eligible Prime membership.
• Eligible travel purchases include airline tickets, hotels, car rentals, and cruises.
• Exclusions apply to purchases not made through Chase Travel or paid for using points.

Gas Stations

• Earn unlimited 2% cash back at gas stations.
• Exclusions apply to merchants that do not primarily sell automotive gasoline.

Restaurants

• Earn unlimited 2% cash back at restaurants, including fast food and fine dining establishments.
• Exclusions apply to certain food and drink sellers within facilities like sports stadiums, hotels, and grocery stores.

Local Transit and Commuting

• Earn unlimited 2% cashback on local transit and commuting, including rideshare services.
• Exclusions apply to transportation and related services such as airlines and car rental agencies.

All Other Purchases

• Earn unlimited 1% cash back on all other purchases anywhere Visa is accepted.

Prime Card Bonus

• Eligible Prime card members can earn 10% cashback or more on select items and categories on Amazon.com.
• The bonus cashback is in addition to the 5% cashback earned on Amazon.com purchases with an eligible Prime membership.

Amazon Prime Rewards Visa Signature Card - Another Benefit

By using your card for rental payments, you can decline the rental company's collision insurance as coverage is provided for theft and collision damage on most cars in the U.S. and abroad. 

Keep in mind that coverage is secondary to your personal insurance within the U.S. Additionally, the card offers reimbursement for essential purchases due to baggage delays, extends U.S. manufacturer warranties by an additional year, provides coverage for damaged or lost luggage, and offers roadside assistance for emergencies. 

When using the card for transportation, you are eligible for accidental death or dismemberment coverage. Furthermore, the card covers new purchases against damage or theft for 120 days. 

In case of any problems away from home, you can contact the Benefit Administrator for assistance, but please note that you will be responsible for the cost of any obtained goods or services.

5) Chase Sapphire Preferred® Card: Elevating Your Travel Experience: 

The Chase Sapphire Preferred® Card stands as a highly sought-after credit card for travel rewards, made available by Chase Bank. Upon opening an account, individuals are greeted with a generous sign-up bonus of 80,000 points after spending $4,000 on purchases within the initial 3 months. 

Cardholders have the privilege of earning 2X points on travel and dining experiences at restaurants worldwide, while all other purchases accumulate 1X points. These accumulated points can be redeemed for travel, cash back, or even transferred to travel partners at an equal 1:1 ratio. 

Furthermore, the card provides an array of advantageous travel perks, including insurance for trip cancellation or interruption, coverage for delayed baggage, and a primary auto rental collision damage waiver. While there is an annual fee of $95, it is worth noting that the fee is waived for the first year of card membership. 

Ultimately, the Chase Sapphire Preferred® Card emerges as an excellent choice for individuals aiming to accrue rewards on their purchases while indulging in valuable travel benefits. To be eligible one should have an excellent credit score. 

The annual percentage rate (APR) ranges from 20.74% to 27.74% and is subject to change depending on your creditworthiness. These APRs are variable and may fluctuate in accordance with the prevailing Prime Rate in the market. 

Advantages:

• Impressive sign-up incentive
• The introductory bonus holds a minimum value of $1,000 for travel when utilized via Chase Ultimate Rewards.
• Versatile points that can be redeemed for cash, travel, or converted into points for other loyalty programs.
• Extensive selection of travel partners for point transfers.
• No additional charges for foreign transactions.
• Bonus points are awarded for travel and dining expenses.

Disadvantages:

• An annual fee of $95 applies.
• The annual fee is not waived for the first year.
• No introductory rate is provided for purchases or balance transfers.
• No coverage for Global Entry or TSA PreCheck fees.

Additional Features

Point Transfer

If you happen to be a valued participant of the esteemed travel program offered by Chase Sapphire Preferred®, you have the incredible opportunity to convert your accumulated points into an array of prominent frequent travel programs, all at an exceptional 1 to 1 value exchange rate. 

Partner benefits

In this collection of offers, Lyft provides the opportunity to earn 5x points on their rides adding 3x points to the existing 2x points earned on travel. Instacart offers a complimentary 6-month subscription to Instacart+ for convenient grocery deliveries. DoorDash presents a DashPass subscription that grants access to $0 delivery fees and reduced service fees on eligible orders. Lastly, Gopuff offers a $10 monthly statement credit for their quick delivery service of drinks, snacks, and household essentials.

Travel & purchase coverage

This encompasses the advantages of benefits like insurance for trip cancellation or interruption, a waiver for auto rental collision damage, insurance for baggage delay, reimbursement for trip delay, and services for travel and emergency assistance. It also extends to the supplementary package for shopping, including purchase protection and extended warranty protection.

No foreign transaction fees

When utilizing your card for purchases made outside the United States, rest assured that you won't be burdened with any additional charges for foreign transactions.

Spend Instantly 

Apply for a credit card and enjoy the convenience of using it on the very same day. Gain immediate access to your card by linking it to a digital wallet such as Apple Pay, Google Pay, or Samsung Pay.

Travel Credit Card Rewards & Benefits

With the Chase Sapphire Preferred® Card, you have the opportunity to earn a substantial amount of bonus points and enjoy various ways to earn rewards. Let's explore the different ways you can earn and maximize your points:

Earn 80,000 Bonus Points:

When you spend $4,000 on purchases within the first 3 months of opening your account, you will earn an impressive 80,000 bonus points. 

These points are valued at $1,000 when redeemed for travel through Chase Ultimate Rewards®. It's important to note that this offer is available to new cardmembers who do not currently hold any Sapphire card and have not received a new card member bonus for any Sapphire card in the past 48 months.

Additional Ways to Earn Points:

The Chase Sapphire Preferred® Card provides you with multiple avenues to earn more points on your everyday spending. Here are the additional earning opportunities:

• Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
• Earn 5x total points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases eligible for the $50 Annual Ultimate Rewards Hotel Credit).
• Earn 2x points on other travel purchases.
• Earn 3x points on dining, including eligible delivery services, takeout, and dining out.
• Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).
• Earn 3x points on select streaming services.
• Earn 1 point per dollar spent on all other purchases.

Additional Value with Ultimate Rewards:

When you redeem your points for travel through Chase Ultimate Rewards®, you receive 25% more value. For example, 80,000 points can be worth $1,000 when used towards travel.

Annual Bonus Points:

Each year on your account anniversary, you will earn bonus points equal to 10% of the total purchases you made in the previous year. For instance, if your total purchases amount to $25,000, you will receive 2,500 bonus points.

My Chase Plan:

As an eligible card member, you have the option to utilize My Chase Plan®. This feature allows you to break up card purchases of $100 or more into fixed monthly payments, without any interest charges, only a fixed monthly fee.

By leveraging these earning opportunities and value-added features, the Chase Sapphire Preferred® Card enables you to earn and maximize your rewards while enjoying additional benefits tailored to enhance your overall experience.

Credit Score Requirements for the Chase Sapphire Preferred® Card

Credit scores are typically categorized by FICO as follows:

• "Good" credit: 670-739
• "Very good" credit: 740-799
• "Exceptional" credit: 800 and above

For individuals interested in applying for the Chase Sapphire Preferred® Card, having a credit score closer to the "very good" range or higher is likely to enhance their chances of approval. 

It's important to note that there are various versions of credit scores available, and the score you personally check may differ from the one used by Chase during the application process.

It's worth mentioning that the Chase Sapphire Preferred® Card is considered the younger sibling of the premium Chase Sapphire Reserve® card, which carries an annual fee of $550.  As a result, the Chase Sapphire Preferred® Card may be more appealing to applicants, as it is often recommended for those with good to exceptional credit.

In addition to credit scores, card issuers assess other aspects of an applicant's credit history to determine eligibility.  Factors such as payment history, recent inquiries, debt load, and annual income all play significant roles in the evaluation process.

Understanding these credit score considerations and other key factors will help you better navigate the application process for the Chase Sapphire Preferred® Card and increase your chances of approval.

6) Discover it® Secured Credit Card

Secured Credit Card functions as a secured credit card. This means that upon approval, you will need to place a refundable security deposit ranging from $200 to $2,500.  The amount you deposit will determine your credit limit. Additionally, your credit score will influence your interest rate and credit limit. By utilizing the Discover it Secured Credit Card, you have an opportunity to enhance your credit score while earning cash back on your purchases. 

With no annual fee, it remains a budget-friendly choice. The cashback match at the end of the first year further allows you to maximize your rewards. However, it is crucial to pay your balance in full each month to avoid accruing interest charges due to the relatively high variable APR.

Advantages of using Discover it® Secured Credit Card

• No annual fee
• 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
• 1% cash back on all other purchases
• Unlimited Cashback Match: Discover will automatically match all the cash back earned in the first year
• No foreign transaction fees
• Easy application process
• Good customer service

Disadvantages of using Discover it® Secured Credit Card

• High APR: The card has a high variable APR of 27.74%, so it's important to pay the balance in full each month to avoid interest charges.
• Security deposit required: The card requires a refundable security deposit of at least $200, which can be a significant upfront cost for some users.
• Low credit limit: The credit limit is equal to the security deposit, which means that some users may have a lower credit limit than they would like.
• No welcome bonus: Unlike some other credit cards, the Discover it Secured Credit Card does not offer a welcome bonus. 

Additional Features in Discover it® Secured Credit Card

Online Privacy Protection

Discover offers a valuable service to protect your online privacy. By using the Discover app, you can activate a feature that helps remove your personal information from select people-search websites. These websites often sell your data, but with this service, you can regularly eliminate your information for free, ensuring your online privacy is safeguarded.

Free Social Security Number Alerts

Discover provides an essential security measure by offering free Social Security number alerts. With thousands of Dark Web sites monitored, you'll receive an alert if your Social Security Number is detected on any of these platforms. This feature helps protect you from potential identity theft and allows you to take necessary action promptly.

Freeze it® Account Control

Discover gives you the power to control your account with the Freeze it® feature. If you misplace your card, you can easily freeze your account using the Discover mobile app or website. This action prevents new purchases, cash advances, and balance transfers, ensuring the security of your account until you retrieve or replace your card.

$0 Fraud Liability Guarantee

Discover prioritizes the security of its cardholders by providing a $0 Fraud Liability Guarantee. This means that if unauthorized purchases occur on your Discover Card, you are not held responsible for them. Discover takes responsibility for protecting you against fraudulent activities, giving you peace of mind when using your card.

100% U.S.-Based Customer Service

Discover values customer satisfaction and offers 100% U.S.-based customer service. Whether you need assistance, have inquiries, or require support, you can always reach out to a real person from Discover's customer service team. Their knowledgeable and friendly representatives are available anytime, ensuring you receive the support you need promptly.

View Your FICO® Credit Score for Free

Discover provides you with the opportunity to access your FICO® Credit Score at no cost. You can easily view your credit score through the Discover mobile app, online platform, or on your statements. This service is beneficial for tracking your credit health and understanding your financial standing, without negatively impacting your credit score.

Rewards of Discover it® Secured Credit Card

The Discover it® Secured Credit Card offers a rewarding earning structure for cardholders. They can earn 2% cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter. For all other purchases, cardholders can earn unlimited 1% cash back.

Redeeming the cash-back rewards is hassle-free with Discover. Cardholders can redeem their rewards at any time and in any amount. If the card is not used for 18 months or the account is closed, any reward balance is credited to the account. The rewards do not have an expiration date.

To assess the potential rewards of the Discover it® Secured Credit Card, we can analyze the bonus categories and calculate an estimate based on average household income and spending. Based on Forbes Advisor's data, we assume an annual household income of approximately $91,162 and an annual credit card spending of $28,431 for secured cards.

Considering gas stations and restaurants, our sample cardholder spends around $4,978 per year in these categories. The quarterly earnings bonus is capped at $1,000 per quarter or $4,000 per year. Once the cap is reached, the earnings rate drops to 1%. Thus, if fully maximized, a Discover it® Secured Credit Card holder can earn $80 from the bonus categories alone.

For the remaining annual household credit card spending of $24,431, the cardholder would earn an additional $244.31. When combined, the total earnings for the year amount to $324.31. Additionally, Discover offers Cashback Match, doubling the rewards for the first year. Therefore, the total first-year earnings for the cardholder would be $648.62.

Discover it® Secured Credit Card: Building Credit Without a Minimum Credit Score Requirement

The Discover it® Secured Credit Card is designed for individuals who want to enhance or establish their credit history. It is a secured credit card with no annual fee. 

Unlike traditional credit cards, there is no specific minimum credit score required to qualify for the Discover it® Secured Credit Card. This makes it accessible to a wide range of individuals, including those with limited or no credit history.  The card offers an opportunity for individuals to build credit or improve their credit score while enjoying the benefits and features of a credit card.

7) Wells Fargo Reflect® Card: Achieve Financial Balance

The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months on purchases and qualifying balance transfers, after which the variable APR will be 17.99% to 29.99%, depending on creditworthiness.

Credit score: To qualify for the Wells Fargo Reflect® Card, you generally need a good to excellent credit score, which is usually considered to be 670 or higher.

Welcome bonus: The Wells Fargo Reflect® Card does not offer a traditional welcome bonus like other rewards credit cards.

Annual fee: The Wells Fargo Reflect® Card does not charge an annual fee of $0, which can make it an affordable option for those who want to save on fees.

Wells Fargo Reflect® Card can be a good option for those who are looking for a longer 0% intro APR period on purchases and balance transfers and don't want to pay annual fees. However, it's worth noting that the card does not offer ongoing rewards or a traditional welcome bonus, so it may not be the best option for those who want to earn rewards on their everyday purchases.

What sets the Wells Fargo Reflect® Card apart is its appealing features tailored to those with good to excellent credit. First and foremost, the card does not impose an annual fee, providing added value and cost savings. Additionally, it offers a range of benefits designed to enhance your overall experience. 

Grab the Advantages of the Wells Fargo Reflect® Card

• Long 0% APR period: The card offers 0% APR for 21 months on purchases and qualifying balance transfers. This is a long period of time to pay off debt or make large purchases without paying interest.
• No annual fee: The card has no annual fee.
• Cell phone protection: The card offers cell phone protection of up to $600 per claim. This can help you cover the cost of repairs or replacements if your phone is stolen or damaged.
• Travel insurance: The card offers travel insurance, which can help you cover the cost of trip cancellations, trip interruptions, and lost luggage.

Know Wells Fargo Reflect® Card Disadvantages

• No welcome bonus: The card does not offer a welcome bonus.
• High APR: The APR is 17.99%–29.99% variable. This is a high-interest rate, so it is important to pay your bill in full each month to avoid paying interest charges.
• Balance transfer fees: While the 0% intro APR for balance transfers can help you save on interest charges, the card does charge a balance transfer fee of 5% (minimum $5), which can add up if you're transferring a large balance.
• Limited benefits: While the card does offer some benefits like cell phone protection and free credit score access, it doesn't have as many benefits as some other rewards credit cards.

What are the Additional Features that attract Customers?

Cell Phone Protection:

With your eligible Wells Fargo card, you can enjoy cell phone protection that covers up to $600 against damage or theft when you pay your monthly cell phone bill. This valuable benefit helps provide peace of mind, and if needed, you'll only need to pay a $25 deductible. Terms and conditions apply.

Roadside Dispatch®:

In times of emergency, Roadside Dispatch® is there for you 24/7. It's an on-demand referral dispatch network that offers essential roadside assistance services such as towing, locksmith service, and emergency roadside assistance. Whenever you need help, simply call 1-800-847-2869. For more information, refer to your Guide to Benefits. Terms and conditions apply.

My Wells Fargo Deals:

Access personalized deals from various merchants through My Wells Fargo Deals. It's a convenient way to earn cash back as an account credit when you shop, dine, or enjoy experiences using your eligible Wells Fargo credit card. Take advantage of this program to enhance your savings and enjoy exclusive offers.

Zero Liability Protection:

Rest assured knowing that your eligible Wells Fargo card comes with built-in protection. With Zero Liability protection, you won't be held responsible for unauthorized transactions, as long as you promptly report them. This added security feature provides you with peace of mind when using your card for purchases.

8) Capital One Venture X Rewards Credit Card: Unleashing Your Travel Rewards

The Capital One Venture X Rewards Credit Card is an exclusive travel rewards credit card offered by Capital One. It carries an annual fee of $395 but provides exceptional opportunities to earn rewards.When you book hotels through the Capital One Travel portal, you can earn an impressive 10x miles, and for flights booked through the portal or directly with airlines, you can earn 5x miles.

Additionally, there is a generous sign-up bonus of 75,000 miles available when you spend $4,000 within the first three months. The card also offers valuable perks like credit for Global Entry or TSA PreCheck application fees, access to airport lounges, and travel insurance benefits.The card has a 21.74% - 28.74% variable APR based on your creditworthiness. To apply you should have an excellent credit score

Advantages of Capital One Venture X Rewards Credit Card

• Receive a generous sign-up bonus of 75,000 bonus miles by spending $4,000 on purchases within the first three months of opening your account.
• Earn a remarkable 10x miles for every dollar spent on hotel bookings and car rentals made through Capital One Travel. Additionally, gain 5x miles per dollar spent on flights.
• Ideal for those who frequently travel internationally, as you won't incur any additional charges when using the card abroad.
• Enjoy the convenience of easily accessible perks that do not involve complicated redemption processes.
• As a cardholder, you gain exclusive entry to a vast network of over 1,300 lounges.

Disadvantages of Advantages of Capital One Venture X Rewards Credit Card

• The card comes with a substantial annual fee of $395, which may not be cost-effective for some individuals.
• The card's selection of domestic airlines and upscale hotels for travel rewards is limited, potentially limiting your options.
• Capital One's lounge network is still in its early stages of development, which may result in a smaller number of available lounges compared to other providers.
• Achieving the required spending of $4,000 within the first three months to obtain the welcome bonus may prove challenging for some cardholders.
• The card does not offer any specific benefits or privileges related to hotel loyalty statuses.

Additional Features of Advantages of Capital One Venture X Rewards Credit Card

Free Additional Cardholders

Invite others to join your account as cardholders at no additional cost. They can enjoy the benefits of the card, and you will earn rewards on every dollar they spend.

No Foreign Transaction Fees

When you make purchases outside of the United States, you won't be charged any transaction fees.

Miles that Never Expire and No Blackout Dates

Your accumulated miles will remain valid for the entire duration of your account, ensuring they are always available when you need them. Additionally, there are no blackout dates, offering you flexibility in redeeming your miles.

Cell Phone Protection

Protect your cell phone by simply paying your bill with your Venture X card. If your phone is stolen or damaged, you can receive up to $800 in reimbursement. Please note that certain terms, conditions, and exclusions may apply.

Miles Redemption

Easily utilize your Venture X miles to cover various travel expenses, such as flights, hotels, rental cars, and more. Furthermore, you have the option to transfer your miles to over 15 different travel loyalty programs.

Referral Bonus

Introduce your friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when their applications are approved. Specific terms and conditions apply.

How to Earn Rewards Using Capital One Venture X Rewards Credit Card?

With the Capital One Venture X Rewards Credit Card, you have the opportunity to earn rewards on your purchases. When you book hotels and rental cars, you will earn a generous 10 miles per dollar spent. Similarly, when you book flights through Capital One Travel, you will earn 5 miles per dollar spent. It's important to note that these enhanced earn rates apply specifically to net purchases, which are the total purchases minus any credits or returns.

While the elevated earn rates apply to hotels, rental cars, and flights booked through Capital One Travel, all other purchases will earn a consistent 2 miles per dollar spent. It's worth mentioning that certain transactions, such as cash advances, balance transfers, and checks used to access your account, are not considered purchases and will not earn rewards.

Additionally, it's important to understand that purchases made outside of Capital One Travel, including hotel incidentals, upgrades, or other expenses, will not qualify for the enhanced earn rate. Instead, these purchases will still earn the standard 2 miles per dollar rate.

By leveraging the rewards structure of the Capital One Venture X Rewards Credit Card, you can accumulate miles that can be redeemed for various travel-related expenses, allowing you to make the most of your everyday spending.

How to Calculate My Minimum Payment?

When it comes to making minimum payments on your Capital One credit card, the amount you need to pay is determined based on your balance. Here's how it works:

Balance Less Than $25:

If your balance is less than $25, your minimum payment will be equal to your balance. In other words, you are required to pay off your entire outstanding balance.

Balance $25 or More:

If your balance is $25 or more, your minimum payment will be calculated differently. It will be the greater of two amounts:

a) $25: A flat minimum payment amount of $25.

b) 1% of Your Balance + New Interest and Late Payment Fees: Your minimum payment will be 1% of your balance, taking into account any new interest charges and late payment fees that have been added to your account.

In addition to the above, if you have any past due amount on your account, it will be added to your minimum payment. This ensures that you address any outstanding payments along with your current balance.It's important to note that if your account reaches a point of charge-off, the entire balance will become due immediately, requiring you to repay the full outstanding amount.

Understanding these minimum payment requirements helps you manage your Capital One credit card responsibly and ensure timely payments to maintain a healthy credit standing.

How do I Redeem My Rewards for Travel?

Redeeming Your Miles for Travel with the Capital One Venture X Rewards Credit Card:

When it comes to redeeming your miles for travel, the Capital One Venture X Rewards Credit Card provides you with two convenient options.

Redeem for Past Travel Purchases:

If you have already made a travel purchase using your Capital One Rewards card, you can easily redeem your miles to offset the cost. Simply book your travel through your preferred travel website, travel agent, or any other travel resource using your card. 

Afterward, sign in to your Capital One account at capitalone.com, navigate to the Rewards section, and select "Cover Your Travel Purchases." Alternatively, you can call the Rewards Center to initiate the redemption process. 

By doing so, you'll receive an account credit for the total cost of your travel purchase. It's important to note that these redemptions must be made within 90 days from the date your travel purchase is posted to your account. 

While the account credit is typically applied within 2 to 3 business days, it may take up to 60 days for the redemption to reflect on your balance. Additionally, partial redemptions for a portion of the travel purchase amount are also available.

Book New Travel Reservations:  

If you prefer to use your miles for new travel reservations, you can do so by visiting travel.capitalone.com. 

This online platform allows you to book flights, car rentals, and hotels, with the option to pay using your accumulated miles. The number of miles required for travel redemption varies and is directly based on the cost of the travel purchase. 

To determine the miles needed for redemption, you can simply multiply the cost of your travel purchase by 100. For example, if your travel purchase amounts to $200, you would multiply that by 100, resulting in 20,000 miles needed for redemption. 

It's important to note that if your travel transaction includes taxes, surcharges, and fees, these additional expenses will be factored into the overall calculation to determine the required number of miles for redemption. 

Please be aware that separately itemized travel transactions on your statement cannot be combined for a single redemption, as how merchants itemize and charge related transactions is beyond Capital One's control.

By understanding these redemption options, you can effectively utilize your accumulated miles to enhance your travel experiences while maximizing the benefits of your Capital One Venture X Rewards Credit Card.

How to Redeem Your Cash Rewards?

Flexible Redemption Options for Capital One Venture X Rewards Credit Card

Offset Purchases: Easily redeem your rewards to offset eligible purchases on your credit card account. Enjoy the convenience of redeeming for purchases as low as $1.

Account Credit: Maximize the value of your rewards by redeeming them as a credit towards a qualifying Wells Fargo credit card, checking account, or mortgage. Put your rewards to work and reduce your outstanding balances.

ATM Redemption: Need cash? With the Capital One Venture X Rewards Credit Card, you have the option to redeem your rewards in $20 increments at any Wells Fargo ATM or using your Wells Fargo Debit Card. Enjoy the flexibility of accessing cash when you need it.

Gift Card Rewards: Looking for the perfect gift? Redeem your rewards for gift cards in various amounts, including popular $25 increments. Treat yourself or surprise your loved ones with a wide selection of gift cards for every occasion.

Experience the convenience and versatility of the Capital One Venture X Rewards Credit Card's redemption options, allowing you to make the most of your earned rewards.

9) Discover it® Student Cash Back: Prime Rewards at Your Fingertips

Discover it® Student Cash Back card, is an excellent choice for students seeking a credit card with rewarding cashback benefits. With this card, you can enjoy a welcome bonus where you earn an impressive 5% cash back on rotating quarterly categories, with a cap of $1,500 in combined purchases per quarter.  After that, you'll continue to earn 1% cash back on all other purchases without any limits. One of the standout features of this card is its affordability. There is no annual fee to worry about, making it a cost-effective choice for students. 

Additionally, for the first six months, you'll enjoy a 0% introductory APR on purchases. If you have existing balances on other credit cards, you'll benefit from an attractive 10.99% introductory APR on balance transfers for the same period.  After the introductory period, the ongoing variable APR will be between 17.74% and 26.74%. For those who frequently travel or make purchases abroad, the Discover it® Student Cash Back card is an ideal companion. It does not charge any foreign transaction fees, ensuring you can use it conveniently wherever you go.

To be eligible for this card, a credit score of 670 or higher is required. It offers a great opportunity for students to start building their credit history while enjoying the benefits of cash-back rewards. If you're a student in search of a credit card that provides cash-back rewards, look no further than the Discover it® Student Cash Back card. Its attractive features, including rotating categories, no annual fee, low introductory APR, and absence of foreign transaction fees, make it a smart choice for student cardholders. 

The Discover it® Student Cash Back card is a highly appealing option for students seeking both cash-back rewards and the opportunity to build their credit history.  With its enticing features, such as the 0% introductory APR, absence of annual and foreign transaction fees, and easy access to FICO® Scores, this card is designed to provide maximum benefits for student cardholders. 

Pros of Discover it® Student Cash Back

• Earn 5% cash back in rotating quarterly categories on up to $1,500 in combined purchases each quarter (then 1%). Plus, earn unlimited 1% cash back on all other purchases.
• 0% intro APR on purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 17.74%-26.74% Variable APR.
• No annual fee.
• No foreign transaction fees.
• Free access to your FICO® Score☉ each month.
• Discover will match all the cash back you earn in your first year, up to $200.

Cons of Discover it® Student Cash Back

• The 5% cash back must be activated manually each quarter, so cardholders need to be proactive to take advantage of the offer.
• The card does not offer any special travel benefits or travel protections.
• Some students may find it difficult to maintain consistent on-time payments and avoid a high APR given their credit history.

Added Features in Discover it® Student Cash Back Card

Earn 5% Cash Back on Everyday Purchases

Experience the joy of earning 5% cash back on your everyday purchases at different places each quarter. 

Whether it's Amazon.com, grocery stores, restaurants, or gas stations, you can enjoy this lucrative cash-back offer. Simply activate the quarterly categories to take advantage of this fantastic opportunity. Additionally, for all other purchases, you'll automatically earn an unlimited 1% cash back.

Unlimited Cashback Match

Discover's Unlimited Cashback Match is an exclusive feature designed to enhance your cash-back rewards. 

At the end of your first year as a card member, Discover will automatically match all the cash back you've earned. There are no limits or caps on this match, so every dollar you earn could potentially be doubled. 

Whether it's $50 or $100, you can turn it into $100 or $200, respectively. It's a simple and straightforward way to maximize your rewards without any minimum spending requirements. 

Redeem Your Rewards Your Way

With the Discover it® Cash Back card, you have the flexibility to redeem your rewards in the way that suits you best. You can easily redeem your cash back for any amount at any time. 

Whether you want to use it for immediate cash or shop at your favorite online stores like Amazon.com or through PayPal's extensive network, the choice is yours. Enjoy the freedom to make the most of your rewards whenever and however you desire. 

10) Chase Freedom Flex℠: Freedom to Earn and Enjoy

The Chase Freedom Flex℠ is an excellent choice for individuals seeking to maximize their cash-back rewards on everyday purchases. With this card, you can enjoy a 0% introductory APR for 15 months on both purchases and balance transfers, providing a great opportunity to save on interest charges. 

After the introductory period, the variable APR ranges from 19.99% to 28.74%.

One of the standout features of the Chase Freedom Flex℠ is its attractive welcome bonus. By spending $500 on purchases within the first 3 months of opening an account, you can earn a $200 bonus, adding extra value to your initial spending. The annual fee is $0. 

Furthermore, this card offers a range of cashback rewards. You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter, as long as you activate the bonus. Additionally, you can earn 5% cash back on travel purchases made through Chase Ultimate Rewards®, 3% cash back on dining (including takeout), and purchases made at drugstores. For all other purchases, you'll earn 1% cash back.

Another notable advantage of the Chase Freedom Flex℠ is its accessibility. It is designed for individuals with good to excellent and does not impose an annual fee. This makes it an appealing choice for those looking to maximize their rewards without incurring additional costs. 

Chase Freedom Flex℠ Advantages:

• Generous welcome bonus: Earn $200 after you spend $500 on purchases in the first 3 months from account opening.
• Variety of bonus categories: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining including takeout and drugstores, and 1% on all other purchases.
• No annual fee: The card has no annual fee.
• Good to excellent credit score requirement: The card requires a good to excellent credit score of 670-850.

Chase Freedom Flex℠ Disadvantages:

• High APR: The APR is 19.99%–28.74% variable.
• Foreign transaction fees: The card charges a 3% foreign transaction fee on purchases made outside of the United States.
• Limited travel benefits: The card does not offer many travel benefits, such as travel insurance or airport lounge access.

Chase Freedom Flex℠ Additional Features

5% cash back calendar

The Chase Freedom Flex℠ offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. The bonus categories change each quarter, so be sure to check the Chase website to see what they are.

Service & protection

The Chase Freedom Flex℠ offers a variety of service and protection benefits, including:

• Purchase protection: If you buy something with your card and it's stolen or damaged within 120 days, you'll be covered for up to $1,000.
• Extended warranty: If you buy something with your card and the manufacturer's warranty is less than 2 years, you'll get an additional 1 year of coverage.
• Rental car insurance: If you rent a car and pay for it with your card, you'll be covered for damage to the car and liability for injuries or damage to other people or property.
• Trip cancellation/interruption insurance: If you have to cancel or interrupt your trip for a covered reason, you'll be reimbursed for your non-refundable travel expenses.

Redeem Cash Back rewards

You can redeem your Cash Back rewards for statement credits, travel, gift cards, merchandise, and more. You can also transfer your points to Chase's travel partners, such as United Airlines, Hyatt, and Marriott.

Perks and offers

The Chase Freedom Flex℠ offers a variety of perks and offers, including:

• Cell phone protection: If your cell phone is stolen or damaged, you'll be covered for up to $600.
• Lyft Pink: Get 50% off rides and $10 in Lyft credits each month.
• ShopRunner: Get free two-day shipping on eligible online purchases.
• Fandango: Get $5 in Fandango credits each month.

Credit Journey

Credit Journey is a free tool that helps you monitor your credit score and improve your financial health. You can use Credit Journey to see your credit score, track your spending, and get personalized tips on how to improve your credit.

Pay over time

The Chase Freedom Flex℠ offers a Pay Over Time feature that lets you pay for purchases in installments. You can pay 0% APR for 15 months on purchases and balance transfers made in the first 6 months from account opening. After that, the APR will be a 15.74%–24.49% variable.    

What is the minimum limit for Freedom Flex?

The Chase Freedom Flex credit card offers a minimum credit limit of $500 to all approved applicants. This means that anyone who qualifies for the Chase Freedom Flex card will be granted a credit limit of at least $500. However, individuals with a strong credit history and excellent creditworthiness have the potential to secure higher credit limits beyond the minimum requirement.

How to Redeem Rewards using Chase Freedom Flex℠?

Although the Freedom Flex credit card is advertised as a cashback card, it offers a unique feature where cardholders earn Chase Ultimate Rewards points instead of cash directly. 

These points can be redeemed in various ways, providing flexibility and options for cardholders. Redemption options include using points for travel and event bookings through Chase Ultimate Rewards, making purchases on Amazon.com and PayPal by paying with points, choosing from a wide selection of gift cards from over 150 brands, shopping for merchandise through the Shop through Chase program, and even making purchases at the Apple Ultimate Rewards Store. 

This distinguishes the Freedom Flex card from other cash-back cards that typically limit redemptions to credit statements or direct deposits.

11) The Platinum Card® from American Express: Indulge in Luxury

The Platinum Card® from American Express is a prestigious charge card that offers a plethora of advantages, including rewards on expenditures, travel credits, and entry to airport lounges. Introduced in 1984, it has rapidly gained popularity and become one of the most renowned cards issued by Amex.

It has a20.99% to 28.99% variable APR on eligible charges. Earn a remarkable reward of 80,000 Membership Rewards Points as a generous bonus. This enticing offer awaits you when you make purchases totaling $6,000 on your new Card within the initial 6 months of becoming a valued member. 

The annual fee of this card is $695 and to be eligible to apply for this card one should possess an excellent credit score. Holders of The Platinum Card® relish a wide range of benefits, such as receiving up to $200 in credits for airline fees, up to $100 in credit for enrolling in Global Entry or TSA PreCheck, access to over 1,200 airport lounges worldwide, and earning 5X Membership 

Rewards point on flights booked directly with airlines or through American Express Travel. In addition, cardholders can enjoy privileged status with selected hotel loyalty programs, complimentary perks at over 1,000 properties through The Hotel Collection, and exclusive access to events and experiences via the Global Dining Collection and By Invitation Only. 

Despite the card's high annual fee, many frequent travelers find that the advantages far surpass the cost. Moreover, cardholders have the convenience of round-the-clock concierge service and other premium customer support options. 

When it comes to settling your bill, you have a range of options to choose from. You can choose to pay the entire bill amount in full, ensuring a complete settlement. Alternatively, you have the flexibility to pay the minimum amount due and utilize the Pay Over Time feature, which allows you to carry a balance with interest. 

Another convenient option is to use Plan It, where you can select larger purchases and divide them into monthly payments with a fixed fee. However, it's important to keep in mind that there is a limit on the total balance that can be carried or allocated to a Plan. Any purchases exceeding this limit will need to be paid in full when your bill is due.

Additional Features of Platinum Card® from American Express

Travel 

One of the notable benefits of having a credit card is the extensive range of perks and privileges it offers. With this credit card, you gain access to a variety of benefits that can enhance your travel experiences. These include a $200 Hotel Credit, allowing you to enjoy discounts or amenities during your hotel stays. 

The Global Lounge Collection offers access to exclusive airport lounges worldwide, providing a comfortable and luxurious pre-flight experience. Additionally, you receive a $200 Airline Fee Credit, making air travel more affordable by offsetting certain fees. To enhance your local transportation, you get $200 Uber Cash, ensuring convenient and discounted rides. Moreover, the card grants you a $189 CLEAR Plus Credit, expediting your security screening process at select airports.

The International Airline Program offers discounts on international flights, while the Fee Credit for Global Entry or TSA Precheck covers the cost of expedited security clearance programs. The card further provides access to exclusive benefits such as Fine Hotels + Resorts and The Hotel Collection, offering special amenities and privileges at participating hotels. Platinum Travel Service ensures personalized assistance with your travel bookings. 

Additionally, you gain Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, providing access to hotel loyalty program benefits. This credit card also eliminates foreign transaction fees, making it convenient to use internationally. Car Rental Privileges are offered with Avis, Hertz, and National, along with Car Rental Loss and Damage Insurance for added protection.

Should you need assistance while traveling, the Premium Global Assist Hotline is available 24/7. Another valuable feature is the Membership Rewards Program, which allows you to transfer points to various partner programs. Furthermore, the card provides Trip Delay Insurance and Trip Cancellation and Interruption Insurance, offering financial coverage for unexpected circumstances during your travels.

Reward Points 

Earn 5X Points on eligible prepaid travel and hotels booked on amextravel.com, including flights purchased directly from airlines or American Express Travel, up to $500,000 per calendar year. You can also use Pay with Points to cover all or part of your upcoming trip on amextravel.com. With the Membership Rewards® Program, you earn one point for every dollar spent on eligible purchases with your Platinum Card®, which can be redeemed for rewards from over 500 top brands in travel, shopping, dining, and entertainment.

Shopping and Entertainment 

One of the valuable benefits of owning this credit card is the wide range of perks it provides beyond travel. With this card, you receive a $240 Digital Entertainment Credit, allowing you to enjoy various forms of digital entertainment. The Walmart+ Monthly Membership Credit provides savings on your Walmart+ membership, offering convenient shopping benefits. 

Additionally, you can shop at Saks with Platinum, gaining access to exclusive privileges and rewards. The $300 Equinox Credit enables you to maintain an active and healthy lifestyle with access to Equinox facilities. For fitness enthusiasts, the SoulCycle At-Home Bike Credit offers savings on a SoulCycle at-home bike. 

The Global Dining Access by Resy grants you priority access and exclusive reservations at top dining establishments worldwide. By Invitation Only provides access to exclusive events and experiences, while Preferred Access offers special benefits for select entertainment events. With Return Protection, you can be reimbursed for eligible items that merchants refuse to accept as returns.

Incircle membership offers exclusive rewards and benefits at participating luxury retailers. Purchase Protection ensures your purchases are covered against damage or theft. Extended Warranty extends the manufacturer's warranty on eligible items. Lastly, ShopRunner provides free two-day shipping and returns on eligible online purchases. These benefits make this credit card a versatile tool for enhancing your lifestyle and protecting your purchases.

Advantages

• Get access to over 1,400 plus airport lounges around the world through Priority Pass.
• Get purchase protection, extended warranty, and trip cancellation or interruption insurance.
• Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

Disadvantages

• It has a high Annual Membership Cost of 695 dollars.
• Complex Reward Structure.
• The Platinum Card® from American Express is a premium card that is best suited for high-income earners who travel frequently and value the benefits that it offers.
• Demands Excellent Credit.

Membership Benefits

Discover the numerous ways you can transform your everyday expenses into valuable rewards with Platinum Card®:

Earn Membership Rewards® Points: For every INR 401 you spend on your card (excluding Fuel, Insurance, and Utilities), you will earn 1 Membership Rewards point. Additionally, enjoy 5 Membership Rewards points for every INR 100 spent on Fuel, making it even more rewarding.

Get More Value from Your Spends: Whether you're traveling, dining out, or indulging in shopping, make the most of your Card by earning rewards on all your expenses. From travel experiences to daily charges, your spending can unlock a world of benefits.

Triple Your Rewards Overseas: Make your international travels even more memorable by earning 3X Membership Rewards Points on all purchases made abroad. This exclusive feature allows you to maximize your Cardmembership and turn your overseas spending into cherished experiences.

Redeeming Your Rewards:

When it comes to redeeming your rewards, the possibilities are endless. Take advantage of the flexibility offered by [Platinum Card®] to enjoy a wide range of options:

Membership Rewards Catalogue: Explore our comprehensive catalog offering entertainment, travel, and dining products. Choose from a variety of items, including electronics, fitness gadgets, kitchen accessories, luggage, and much more.

Book Travel and Pay with Points: Use your points to book flights, hotels, and experiences through the American Express Online Travel website. You can even apply your points towards covering taxes and fees, making your travel more affordable.

Online Retailers: Enjoy the convenience of paying with points at various online retailers, allowing you to treat yourself to a range of products and services.

Gift Cards and eVouchers: Select from a wide array of well-known brands and purchase Gift Cards or eVouchers using your rewards points.

Transfer to Loyalty Programs: Transfer your points to travel, hotel, and retail loyalty programs to enhance your benefits and unlock additional rewards.

Offset Purchases: Use your points to offset any purchase made on your Card once it appears on your statement, providing you with flexibility and freedom in redeeming your rewards.

With Platinum Card®, your spending not only earns rewards but also opens up a world of possibilities for you to enjoy the things you love.

What can reward points be redeemed for?

Credit card reward points offer a variety of redemption options to enhance your overall experience. Here are some popular choices for redeeming your accumulated reward points:

Gift Cards: Many reward programs provide a wide selection of gift cards, allowing you to choose from various retailers, restaurants, or entertainment services. This flexibility enables you to enjoy your favorite products or experiences at no cost.

Statement Credit: Reward points can often be redeemed as a statement credit, reducing your outstanding balance. This option provides a straightforward way to offset your credit card charges and manage your expenses.

Travel: If you hold an airline or hotel credit card, you may have the opportunity to redeem points directly with the associated brand. Additionally, certain credit cards offer the flexibility to redeem points for travel through designated booking platforms. This allows you to use your points for flights, hotel stays, car rentals, and other travel-related expenses.

Cash: Depending on the credit card, you may have the option to redeem your reward points for cash. This can be done through various methods such as receiving a check or opting for direct deposit into your bank account.

These are just a few examples of how you can utilize your reward points. Remember to explore the specific redemption options available to you through your credit card issuer or rewards program to maximize the value of your earned points.

12) United Club℠ Infinite Card: Taking Flight in Style

The United Club Infinite Card is an exclusive co-branded credit card offered by Chase in partnership with United Airlines. This top-tier card presents a multitude of exceptional advantages that elevate the travel experience for devoted United Flyers, encompassing access to luxurious lounges, bonus miles, and various additional perks.

A standout feature of the United Club Infinite Card is the complimentary United Club membership it offers. This membership grants cardholders entry to over 45 United Club locations worldwide, as well as access to partner lounges within the Star Alliance network.  Furthermore, cardholders have the privilege of bringing along up to two guests or immediate family members to the United Club at no extra cost.

Aside from its generous lounge access, the United Club Infinite Card also boasts enticing rewards for everyday spending.  For United purchases, cardholders earn an impressive 4 miles per dollar. Dining purchases accumulate 2 miles per dollar, while all other purchases garner 1.5 miles per dollar. Additionally, the card presently provides a sign-up bonus of up to 80,000 miles upon fulfilling a minimum spending requirement. 

To apply for the card, individuals must have an excellent credit score, and the card features a variable APR ranging from 21.24% to 28.24%. Cardholders relish a range of supplementary benefits as well. These include priority boarding, complimentary first and second-checked bags for both the cardholder and a companion sharing the same reservation, and a credit toward the application fee for either Global Entry or TSA PreCheck.  Although the United Club Infinite Card carries an annual fee of $525, the value derived from its benefits and rewards far surpasses this cost for frequent travelers.

Pros:

• Indulge in the privileges of a complimentary United Club membership, granting you access to a vast network of over 45 United Club locations across the globe. 
• Maximize your mileage earnings with the opportunity to earn an impressive 4 miles per dollar spent on United purchases, 2 miles per dollar on dining purchases, and 1.5 miles per dollar on all other purchases.
• Experience the convenience of priority boarding and enjoy the luxury of having your first and second checked bags free of charge, both for yourself as the cardholder and for a companion sharing the same reservation.
• Receive credit towards the application fee for either Global Entry or TSA PreCheck, streamlining your travel process with expedited security screenings.
• Upon meeting a minimum spending requirement, be rewarded with a generous sign-up bonus of up to 80,000 miles, adding to the excitement of joining our program.
• Enhance your travel journey with additional perks like access to exclusive lounges, ensuring a more comfortable and delightful experience for dedicated United Flyers.

Cons:

• The credit card carries a substantial annual fee amounting to $525, which could potentially outweigh the advantages it offers for certain individuals.
• Certain perks, such as access to exclusive lounges, hold significance primarily for frequent travelers with United Airlines and may not hold the same value for occasional journeyers, thus making the associated costs less justifiable.
• The rewards system of this card heavily emphasizes benefits for purchases made with United Airlines. Consequently, individuals who do not frequently fly with United may not accumulate as many rewards compared to opting for a more versatile travel rewards card.

Additional Features: 

IHG One Rewards Platinum Elite Status

By qualifying for the Platinum Elite status in IHG One Rewards, you gain exclusive privileges. Moreover, as a cardholder, you can enjoy up to $75 in statement credits as a reimbursement for your purchases at IHG® Hotels and Resorts throughout 2023.

Luxurious Hotel & Resort Collection

Experience an array of complimentary benefits reserved for Cardmembers at prestigious hotels and resorts worldwide.

DoorDash

Indulge in a one-year complimentary DashPass membership, granting you unlimited deliveries with no delivery fees and reduced service charges on eligible orders for both DoorDash and Caviar. Once the complimentary period ends, you will be automatically enrolled in DashPass at the prevailing monthly rate. Be sure to activate this offer before 12/31/24.****

Exclusive Events for Cardmembers

Immerse yourself in extraordinary experiences curated by United Card Events from Chase and United MileagePlus Exclusives. You can either make purchases or utilize your miles to participate in these unique events.

United Club membership

United Club membership offers a remarkable annual value of up to $650. Indulge in a haven of relaxation and comfort as you await your flight, accompanied by a range of complimentary amenities. Enjoy refreshing beverages, delectable snacks, seamless access to high-speed Wi-Fi, and a host of other delightful perks. 

What are the Benefits of the United Club℠ Infinite Card?

The United Club℠ Infinite Card offers a range of exclusive benefits and perks for frequent travelers and United Airlines enthusiasts. With this premium credit card, cardmembers can enjoy access to United Club lounges, accelerated mileage earnings, savings on checked baggage fees, and various travel benefits to enhance their overall travel experience. 

Earn 80,000 Bonus Miles:

Start your journey with a rewarding offer of 80,000 bonus miles when you spend $5,000 on purchases within the first 3 months of opening your account. This exclusive bonus is designed to enhance your travel experience.

Card Eligibility:

This card product is available to new Cardmembers who do not currently hold this card and have not received a new Cardmember bonus for this specific card in the past 24 months.

United ClubSM Membership:

As the primary Cardmember, and alongside your eligible travel companions, you'll have access to United Club locations worldwide. Enjoy a comfortable and convenient space to work, relax, and indulge in complimentary beverages and snacks before your flight. Additionally, access participating Star Alliance™ affiliated lounges for a truly global lounge experience.

Accelerated Mileage Earnings:

Earn miles faster with 4 miles for every $1 spent on United purchases. This includes tickets, Economy Plus®, inflight food, beverages, Wi-Fi, and other United charges. Additionally, earn 2 miles per $1 spent on all other travel purchases, such as airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride-share services, and tolls. For dining expenses, enjoy 2 miles per $1 spent, including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

Checked Baggage Savings:

Experience the convenience of free checked bags. As the primary Cardmember, and when traveling with a companion on the same reservation, you and your companion will each receive your first and second standard checked bags free on United-operated flights. This can lead to savings of up to $320 per roundtrip. Simply include your United MileagePlus® number in the reservation and purchase your tickets with your card to enjoy this benefit.

Additional Travel Benefits:

Enjoy a range of travel benefits to enhance your journey. Receive up to $100 as a statement credit for Global Entry, TSA PreCheck®, or NEXUS every 4 years, covering the application fee when charged to your card.  Receive a 25% statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights, as well as Club premium drinks when you pay with your United ClubSM Infinite Card. 

Benefit from Premier Access® travel services, which provide preferential treatment at the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available). Embark on your travel adventures with the United ClubSM Infinite Card and enjoy the rewards and benefits designed to make your journey even more rewarding and convenient.

13) Blue Cash Preferred® Card from American Express: Building a Strong Credit Foundation

The Blue Cash Preferred Card from American Express is a popular credit card that provides various benefits to its cardholders. With an annual fee of $95, it offers a competitive price compared to other premium cash-back cards. Upon spending $3,000 on purchases within the first 6 months, cardholders receive a $300 statement credit as a sign-up bonus.  

The APR for the card is variable and currently ranges from 18.99% to 29.99% depending on the creditworthiness of the applicant. The card is designed for individuals with good to excellent credit scores, typically 670 or higher. It provides attractive cash-back rewards, including 6% on supermarket purchases up to $6,000 per year, 6% on select U.S. streaming subscriptions, 3% on transit expenses, and 1% on all other purchases. 

Travel benefits such as car rental loss and damage insurance, global assist hotline access, and roadside assistance are included. Cardholders can also enjoy extended warranty protection, purchase protection, and exclusive presales and experiences through the Entertainment Access program. 

The Blue Cash Preferred Card is an excellent choice for those who want to earn substantial cash-back rewards, particularly on supermarket purchases. It's crucial to use credit cards responsibly, pay balances on time, and carefully review the terms and conditions before applying to maximize the card's benefits and maintain a positive credit score. 

The Blue Cash Preferred Card from American Express is a credit card that offers various rewards and benefits to cardholders. It is designed for people with good to excellent credit scores and offers cash-back rewards on everyday spending, with a focus on supermarket purchases. The card has an annual fee of $95 and includes benefits such as travel and purchase protection. Overall, the Blue Cash Preferred Card is a popular credit card option for people who want to earn cash-back rewards on their daily spending.

Advantages:

• High cash back rewards on supermarket purchases and select U.S. streaming subscriptions.
• Travel and purchase protection benefits.
• Access to exclusive presales and experiences through the Entertainment Access program.
• Relatively low annual fee compared to other premium cash-back credit cards.
• Generous welcome bonus of $300 statement credit for new cardholders.

Disadvantages:

• Requires good to excellent credit score for approval.
• $95 annual fee, which may not be worth it if you do not spend enough on the reward categories.
• Spending caps of $6,000 per year on supermarket purchases and select U.S. streaming subscriptions.
• Does not offer rewards on other popular categories like dining, gas, and travel.
• Only offers cash back as statement credits, which may not be as convenient for some cardholders.

Additional Benefits

$84 The Disney Bundle Credit

The Blue Cash Preferred® Card offers a special $84 Disney Bundle credit. By using your enrolled card to make a monthly subscription payment of $12.99 or more for The Disney Bundle, you will receive a $7 statement credit each month. This credit is applicable only for subscriptions made on Disneyplus.com, Hulu.com, or Plus.espn.com within the United States. It's a fantastic opportunity to enjoy the Disney Bundle and save on your monthly expenses with the Blue Cash Preferred® Card. 

$120 Equinox+ Credit

Stay fit and save money with Equinox+ using your Blue Cash Preferred Card. When you pay for an Equinox+ subscription at equinoxplus.com, you can receive up to $120 back annually. Enjoy the convenience of working out at home and receive $10 in monthly statement credits. Remember to enroll in the program to take advantage of this offer. It's a great way to prioritize your fitness and get rewarded for it with the Blue Cash Preferred Card. 

Pay It Plan It

Take control of your payments with Pay It Plan It® from American Express. With Pay It®, you can easily make quick payments of purchase amounts under $100 directly through the American Express® App throughout the month. On the other hand, with Plan It®, you can select purchases of $100 or more and divide them into manageable monthly payments with a fixed monthly fee. The best part is that you can still earn rewards just like you usually do. Experience the flexibility and convenience of Pay It Plan It® to manage your payments effectively.

Earn More Cash Back

Every time an Additional Card Member makes an eligible purchase with their Card, you have the opportunity to earn cash back, just like you do on your own purchases. The cashback you earn will be in the form of Reward Dollars, which can be redeemed as a statement credit. Start maximizing your cash back rewards by adding Additional Card Members to your account. 

Rewards

• Earn 6% cash back at U.S. supermarkets on up to $6,000 in spending per year
• Earn 6% cash back on select U.S. streaming subscriptions
• Earn 3% cash back on transit including U.S. gas stations
• Earn 1% cash back on everything else
• Welcome bonus: Earn $350 cash back after you spend $3,000 on purchases in the first 6 months of account opening
• Introductory APR offer: 0% intro APR on purchases for 12 months from the date of account opening
• No foreign transaction fees

Travel

• The Blue Cash Preferred® Card from American Express does not offer any travel benefits, such as travel rewards or travel insurance.
• If you are looking for a card with travel benefits, you may want to consider a different card, such as the Chase Sapphire Preferred® Card or the Capital One Venture Rewards Credit Card.

Shopping & Entertainment

• The Blue Cash Preferred® Card from American Express offers a 3% cash back on transit, including U.S. gas stations. This makes it a good option for people who spend a lot of money on gas and public transportation.
• The Blue Cash Preferred® Card from American Express also offers a 6% cash back on select U.S. streaming subscriptions. This makes it a good option for people who subscribe to streaming services, such as Netflix, Hulu, and Amazon Prime Video.

Additional Services

• The Blue Cash Preferred® Card from American Express offers a few additional services, such as purchase protection and extended warranty protection.
• Purchase protection covers your purchases against damage or theft for up to 120 days after purchase. Extended warranty protection extends the manufacturer's warranty on eligible items for up to an additional year.
• These additional services can be helpful in the event that your purchase is damaged or stolen.

14) Chase Sapphire Reserve®

Chase Sapphire Reserve® is a popular travel rewards credit card offered by Chase Bank. It is known for its generous rewards program, premium benefits, and high annual fee. 

It offers us 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. One of the key features of the Chase Sapphire Reserve® is its rewards program. Cardholders earn three points per dollar spent on travel and dining, and one point per dollar spent on all other purchases. It has an 21.99%–28.99% variable APR. Points can be redeemed for a variety of rewards, including travel, cash back, and merchandise. Additionally, cardholders can earn bonus points by using the card to book travel through the Chase Ultimate Rewards portal. The Chase Sapphire Reserve® offers a number of premium benefits. These include a $300 annual travel credit, which can be used to offset the cost of travel purchases such as flights, hotels, and rental cars. Cardholders also have access to a variety of travel-related perks, such as airport lounge access, travel insurance, and no foreign transaction fees. However, the Chase Sapphire Reserve® also comes with a high annual fee of $550. This fee may be offset by the value of the rewards and benefits offered by the card, but it may not be a good fit for all users. One is eligible to apply for a Chase Sapphire Reserve® card by having an excellent credit score.

Advantages:

• The card offers a substantial introductory bonus, providing an enticing incentive for new users.
• The card provides a highly favorable rewards rate specifically tailored for expenses related to travel and dining. This means cardholders can earn a significant amount of rewards for these types of purchases.
• Redeeming points for travel through Chase offers a 50% increase in their value. This boosts the card's rewards program and allows points to cover more travel expenses.
• Cardholders can benefit from a versatile $300 annual travel credit that can be used for various travel-related expenses. This feature offers flexibility based on individual preferences.
• The card provides exceptional benefits for luxury travel, including access to airport lounges and rental car insurance coverage. These perks enhance the overall travel experience and offer added convenience and peace of mind.
• When using the card for purchases made outside the country, cardholders won't incur any foreign transaction fees. This feature saves money and makes it convenient for international travelers.
• Cardholders receive a complimentary membership to Priority Pass, granting access to a wide network of airport lounges worldwide. This benefit allows cardholders to enjoy premium amenities while waiting for their flights.

Disadvantages:

• High annual fee ($550): The card comes with a relatively steep annual fee, which may deter some potential users. It's important to carefully evaluate whether the card's benefits outweigh this fee based on individual spending habits and needs.
• In addition to the annual fee, there are other associated fees, including a $75 fee for authorized users and a fee for balance transfers.
• This card requires an excellent credit score to qualify for approval.
• Some benefits may require activation or may be subject to blackout dates or limited availability. It's important to review the terms and conditions to fully understand the extent of these limitations.
• The travel benefits offered by the card may be less advantageous for individuals who don't travel frequently or extensively.

Additional Features:

$300 Annual Travel Credit:

Receive a maximum of $300 in statement credits automatically, which will reimburse you for travel expenses made using your card every year on your account anniversary.

50% more redemption value

Unlock 50% greater worth when you exchange your points for travel via Chase Ultimate Rewards. As an illustration, 60,000 points have a value of $900 when applied towards travel expenses. 

Complimentary Airport Lounge Access

Take a moment to relax and rejuvenate prior to your flight at any of the 1,300+ exclusive lounges available in over 500 cities worldwide. Experience this luxurious privilege by simply enrolling in Priority Pass, a hassle-free process that requires only one-time registration. 

Partner benefits

In this collection of offers, Lyft provides the opportunity to earn 5x points on their rides adding 3x points to the existing 2x points earned on travel. Instacart offers a complimentary 6-month subscription to Instacart+ for convenient grocery deliveries. DoorDash presents a DashPass subscription that grants access to $0 delivery fees and reduced service fees on eligible orders. Lastly, Gopuff offers a $10 monthly statement credit for their quick delivery service of drinks, snacks, and household essentials.

My Chase Plan

With My Chase Plan, you have the option to gradually settle qualifying purchases of $100 or more by making equal monthly payments over a period of time. Once a purchase is placed in a plan, there are no interest charges; instead, you only pay a fixed monthly fee. The duration of the plan ranges from 3 to 24 months, depending on factors such as the purchase amount, your creditworthiness, and your account history. You can easily monitor your payment progress on chase.com or through the Chase Mobile app. 

Unlock the Rewards and Benefits of Chase Sapphire Reserve® Credit Card

Earn 60,000 Bonus Points: When you spend $4,000 on purchases within the first three months of opening your account, you can earn an impressive 60,000 bonus points. That's equivalent to $900 in travel credits when you redeem through Chase Ultimate Rewards®.

Card Eligibility: This product is available to applicants who do not currently hold any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

$300 Annual Travel Credit: Enjoy an automatic reimbursement of up to $300 in statement credits each year on eligible travel purchases made with your card. This credit is provided as part of your account anniversary benefits.

Multiple Ways to Earn Points:

Flights: Earn 5x total points on flights when you purchase your travel through Chase Ultimate Rewards®. This bonus applies after you've spent the initial $300 on travel purchases annually.

Hotels and Car Rentals: Get rewarded with 10x total points on hotels and car rentals when you purchase your travel through Chase Ultimate Rewards®. This bonus kicks in once you've reached the $300 spending threshold on travel purchases annually.

Other Travel: Earn 3x points on other travel worldwide once you've spent $300 on travel purchases annually.

Chase Dining: Enjoy 10x total points on eligible purchases made through Chase Dining with Ultimate Rewards®.

Dining Out: Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out.

All Other Purchases: Earn 1 point per dollar spent on all other purchases.

Enhanced Redemption Value: Receive 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points can be worth $900 towards your travel expenses.

Complimentary Airport Lounge Access: Enroll once in Priority Pass™ Select and gain access to over 1,300 VIP lounges in more than 500 cities worldwide. Relax and rejuvenate before your flight with this exclusive perk.

Global Entry or TSA PreCheck® or NEXUS Fee Credit: Every four years, enjoy a statement credit of up to $100 as reimbursement for the application fee charged to your card for Global Entry, TSA PreCheck®, or NEXUS.

These enticing rewards and benefits make a travel credit card an excellent choice for frequent travelers seeking to maximize their earning potential and enjoy various travel-related perks.

How to Redeem Reward Points?

When it comes to using your accumulated reward points, most credit card issuers provide a convenient reward portal or mobile app for redemption. It's essential to take advantage of these platforms to maximize the value of your points.

However, it's crucial to stay vigilant and keep track of any expiration dates tied to your earned points. Some rewards programs may have expiration policies, which means that your points could expire if they are not used within a specified timeframe.

To make the most of your efforts in earning and accumulating points, regularly check your credit card's terms and conditions to stay informed about any expiration dates associated with your reward points. By staying proactive, you can ensure that you fully utilize the benefits of your hard-earned points before they potentially expire.

15) Aeroplan® Credit Card: Unleashing Your Wanderlust

The Aeroplan® Credit Card is a co-branded airline rewards card that is issued through partnerships with financial institutions, such as Chase bank in the United States. With an Aeroplan® Credit Card, cardholders can earn Aeroplan® points that can be redeemed towards flights, hotel stays, car rentals, and other travel-related expenses. It has a modest $95 annual fee and a 21.49% to 28.49% variable APR on purchases and balance transfers 

The rewards structure of the Aeroplan® Credit Card can vary depending on the financial institution that issues the card. Typically, cardholders earn a certain number of points per dollar spent on eligible purchases, with bonus points awarded for certain categories, such as dining, travel, and gas. Some cards also offer welcome bonuses or elite status benefits, such as priority boarding, lounge access, and free checked bags. To be eligible for this card one should have an Good or Excellent Credit Score.

Aeroplan® is the frequent flyer program associated with Air Canada, one of the largest airlines in Canada. In addition to Air Canada flights, Aeroplan® points can be redeemed for flights on partner airlines, including Star Alliance members such as United Airlines, Lufthansa, and Singapore Airlines.

Pros:

• Bonus Categories: One of the key advantages of an Aeroplan Card is the opportunity to earn bonus points in specific categories.
• Automatic Elite Status: Another major perk of the Aeroplan Card is the possibility of receiving automatic elite status within the Aeroplan loyalty program. 
• Free Checked Bag: For frequent travelers, the inclusion of a free checked bag benefit is highly advantageous.
• No Foreign Transaction Fees: The absence of foreign transaction fees is an attractive feature for individuals who frequently travel or make purchases outside their home country. 

Cons

• Annual Fee Comparison: When comparing various credit cards and their offers, it becomes evident that many reward cards do not impose an annual fee. However, this particular card requires a payment of $95 per year. 
• Restricted Travel Rewards: Regrettably, this card does not offer rewards on general travel expenses, encompassing non-Air-Canada purchases, taxi or rideshare fares, hotel stays, and more.
• Limited Premium Advantages: While this card does provide a few travel benefits, such as elite status and reimbursement for application fees of select trusted traveler programs, it lacks certain premium travel benefits like airport lounge access or travel credits.  

Additional Features

24/7Concierge

Looking for rare items or that perfect table reservation? Our dedicated concierge is at your service. Simply dial the number provided on the back of your card to get in touch with our concierge team.

No Foreign Transaction Fees

Experience the freedom of making purchases outside the United States without worrying about foreign transaction fees. When you use your card for international purchases, you won't be subjected to any additional charges.

Global Entry or TSA PreCheck® or NEXUS Fee Credit

As a valued Aeroplan Cardholder, you can enjoy a statement credit of up to $100 every four years. This credit serves as a reimbursement for the application fee associated with Global Entry, TSA PreCheck®, or NEXUS.

Free First Checked Bag

When you and up to eight travel companions are on the same reservation and flying with Air Canada, your first checked bag is on us. Take advantage of this benefit and enjoy a free checked bag weighing up to 50 lbs.

Every Seat, Every Flight, No Restrictions

With our Aeroplan Card, you have the flexibility to redeem your points for any available seat on any Air Canada flight. There are no limitations or restrictions to hinder your travel plans.

Preferred Pricing

As the Primary Cardmember, you gain access to preferred pricing when redeeming flight rewards. This means you can often book flights using even fewer points than usual.

24/7 Fraud Monitoring

Rest assured that your credit card purchases are protected by our advanced fraud monitoring system. Our vigilant team keeps a close eye on any suspicious activity 24/7. In case of any unusual purchases on your credit card, we will promptly reach out to you via text, email, or phone call.

Some of the Best Aeroplan Credit Cards in Canada

1. TD Aeroplan Visa Infinite Privilege Card:

The TD Aeroplan Visa Infinite Privilege Card is a premium credit card designed for frequent travelers who value luxury and rewards. It offers a generous welcome bonus, high earn rates on eligible purchases, and unlimited access to airport lounges. Cardholders can earn 1.5 Aeroplan Points per dollar on gas, grocery, drugstore, and aircanada.com purchases, and 1 point per dollar on other purchases. 

The welcome offer includes 20,000 Aeroplan Points on the first purchase, an additional 60,000 points when spending $7,500 within 180 days, and a 35,000 point anniversary bonus for spending $12,000 within 12 months. While the card comes with a high annual fee of $599, it provides benefits such as access to Air Canada Maple Leaf Lounges and Priority Pass lounges, NEXUS application fee rebate, travel medical insurance, and trip cancellation insurance.

2. TD Aeroplan Visa Business Card:

The TD Aeroplan Visa Business Card is designed for small business owners seeking to maximize rewards and save on travel expenses. It offers a high earn rate on eligible purchases and a generous welcome bonus. Cardholders earn 1.5 Aeroplan Points per dollar on gas, grocery, drugstore, and aircanada.com purchases, and 1 point per dollar on other purchases. 

The welcome offer includes 10,000 Aeroplan Points on the first purchase and an additional 20,000 points when spending $5,000 within the first three months. There's an opportunity to earn up to 30,000 points by spending $2,500 monthly for the first 12 months.  The annual fee is $149, waived for the first year. Benefits include the first checked bag for free on Air Canada flights, the NEXUS application fee rebate, and the TD Card Management Tool for credit limit management and spending controls.

3. CIBC Aeroplan Visa Business Plus Card:

The CIBC Aeroplan Visa Business Plus Card is tailored for small business owners who want to earn Aeroplan points on expenses while enjoying travel rewards and comprehensive insurance coverage.  Cardholders earn 2 Aeroplan Points on eligible Air Canada purchases and 1.5 points for every $1 spent on travel, transportation, dining, and services. For other purchases, they earn 1 Aeroplan Point per $1 spent. 

The welcome offer includes 10,000 Aeroplan Points on the first purchase and 20,000 points when spending $3,000 within the first 120 days. An additional 30,000 points can be earned after spending $35,000 in the first year.  The annual fee is $120, waived in the first year. Benefits include preferred pricing for Aeroplan flight redemptions, a free first-checked bag, and various insurance coverage. However, it does not offer NEXUS credit.

4. American Express Aeroplan Card:

The American Express Aeroplan Card is an excellent option for those who prefer American Express and are looking for attractive signup bonuses for Aeroplan Points.  Cardholders earn 2 Aeroplan Points per dollar on Air Canada and Air Canada Vacations purchases, 1.5 points on dining and food delivery, and 1 point per dollar on other purchases. 

The welcome offer allows earning up to 55,000 Aeroplan Points within the first six months by spending a minimum amount each month. The annual fee is $120. Benefits include referral bonuses, access to presale tickets for concerts, baggage and flight/trip delay insurance, and rental car insurance.  However, it lacks emergency medical insurance and trip interruption/cancellation insurance, and it has a high-interest rate due to being a charge card.

5. CIBC Aeroplan Visa Infinite Card:

The CIBC Aeroplan Visa Infinite Card is a top contender among the best Aeroplan cards in Canada, offering a substantial signup bonus, attractive rewards, and comprehensive insurance coverage.  Cardholders earn 1.5 Aeroplan Points per dollar spent on eligible gas, groceries, Air Canada, and Air Canada Vacations purchases, and 1 point per dollar on other purchases. 

The welcome offer allows earning up to 50,000 Aeroplan Points within the first four months by spending a minimum of $1,000 per month. The annual fee is $139, waived for the first year.  Benefits include hotel perks, dining experiences, 24-hour concierge services, a free first-checked bag, and various travel insurance coverages.

6. TD Aeroplan Visa Infinite Card:

The TD Aeroplan Visa Infinite Card is a traveler's dream, offering a generous welcome bonus, NEXUS fee rebate, and free checked bags for multiple companions.  Cardholders earn 1.5 Aeroplan Points on eligible gas, groceries, Air Canada, and Air Canada Vacations purchases, and 1 point per dollar on other purchases. 

The welcome offer includes up to 55,000 Aeroplan Points on the card's anniversary date by spending at least $7,500 within a year, or the first 40,000 points by spending $5,000 within 180 days. The annual fee is $139, waived for the first year.  Benefits include a higher earn rate on everyday purchases, NEXUS fee rebates, rental car discounts, travel insurance coverage, concierge services, and limited airport lounge access.

7. TD Aeroplan Visa Platinum Card:

The TD Aeroplan Visa Platinum Card is an option for travel enthusiasts seeking Aeroplan Points and perks without the high costs of premium cards.  Cardholders earn 1 Aeroplan Point per dollar spent on eligible grocery, gas, and direct Air Canada purchases, and 1 point for every $1.50 spent on other purchases. 

The welcome offer includes 10,000 Aeroplan Points on the first purchase and an additional 10,000 points when spending $1,000 within 90 days. The annual fee is $89, with the fee rebated in the first year.  Benefits include access to Aeroplan rewards, baggage, flight/trip delay, and rental car insurance, with optional emergency medical and trip cancellation coverage available for a fee.

8. CIBC Aeroplan Visa Card for Students:

The CIBC Aeroplan Visa Card for Students allows students to earn Aeroplan rewards, enjoy insurance coverage, and receive a signup bonus.  Cardholders earn 1 Aeroplan Point per dollar spent on gas, groceries, Air Canada, and Air Canada Vacations purchases, and 1 point per $1.50 spent on other purchases. 

The welcome offer includes 10,000 Aeroplan Points after the first purchase, equivalent to a one-way economy ticket on a short-haul flight. The card has no annual fee, low credit score requirements, and no minimum income requirement.  Benefits include extended warranty, purchase protection, travel accident insurance, and rental car insurance.

9. American Express Aeroplan Business Reserve Card:

The American Express Aeroplan Business Reserve Card is a suitable choice for frequent business travelers, offering a generous welcome bonus, airport perks, and comprehensive travel insurance. 

Cardholders earn 3 Aeroplan points per dollar spent with Air Canada or Air Canada Vacations, 2 points per dollar spent on hotel and car rentals, and 1.25 points per dollar spent elsewhere. 

The welcome offer includes 60,000 Aeroplan points, earned by spending $3,000 in the first three months and an additional 5,000 points for each month spending $2,000 for the first twelve months.