ADVERTISEMENT: products from our partners
17 Excellent Credit Cards of 2022
From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals, some of which are from our partners, to find the right one for you.
Show summary
NerdWallet's Excellent Credit Cards of 2022
Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
Capital One Venture Rewards Credit Card: Best for Flat-Rate Travel Rewards
Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
Capital One SavorOne Cash Rewards Credit Card: Best for Dining and Groceries + No Annual Fee
Discover it® Cash Back: Best for Bonus Categories and First Year Cashback Match
Blue Cash Preferred® Card from American Express: Best for Everyday Spending
Citi® Diamond Preferred® Card: Best for Long 0% Interest Periods for Balance Transfers
Citi Custom Cash® Card: Best for Lucrative Rewards for Everyday Spending
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
U.S. Bank Visa® Platinum Card: Best for Long 0% Period for Transfers and Purchases
Bank of America® Travel Rewards credit card: Best for Flat-Rate Travel Rewards + No Annual Fee
BankAmericard® credit card: Best for Cost-Effective Balance Transfer
Chase Sapphire Preferred® Card: Best for Airline Miles and a Large Bonus
The Platinum Card® from American Express: Best for Luxury Travel Perks
Discover it® Balance Transfer: Best for Balance Transfers and Bonus Categories
Citi Double Cash® Card: Best for Flat Rate Cash Back
Blue Cash Everyday® Card from American Express: Best for Cash Back on Everyday Spending
Excellent Credit Cards From Our Partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
| Excellent for Cash Back — High Flat Rate + Incentives | $0 | 0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers | 20.24%, 25.24%, or 29.99% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
| Excellent for Flat-Rate Travel Rewards | $95 | N/A | 19.99%-29.99% Variable APR | Apply Now on Capital One's website on Capital One's website | |
| Excellent for Cash-Back Pairing with Chase Sapphire Preferred® | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 20.49%-29.24% Variable APR | Apply Now on Chase's website on Chase's website | |
 Capital One SavorOne Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website | Excellent for Dining and Groceries + No Annual Fee | $0 | 0% intro APR for 15 months on purchases and balance transfers | 19.99%-29.99% Variable APR | Apply Now on Capital One's website on Capital One's website |
| Excellent for Bonus Categories and First Year Cashback Match | $0 | 0% intro APR for 15 months on purchases and balance transfers | 17.24%-28.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
 Blue Cash Preferred® Card from American Express Apply Now on American Express' website on American Express' website | Excellent for Everyday Spending | $0 intro annual fee for the first year, then $95. | 0% intro APR for 12 months on purchases and balance transfers | 19.24%-29.99% Variable APR | Apply Now on American Express' website on American Express' website |
| Excellent for Long 0% Interest Periods for Balance Transfers | $0 | 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases | 18.24%-28.99% Variable APR | Apply Now on Citibank's application on Citibank's application | |
| Excellent for Lucrative Rewards for Everyday Spending | $0 | 0% intro APR on Purchases and Balance Transfers for 15 months | 19.24%-29.24% Variable APR | Apply Now on Citibank's application on Citibank's application | |
| Excellent for Long 0% Period for Transfers and Purchases | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 18.24%, 24.74%, or 29.99% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
| Excellent for Long 0% Period for Transfers and Purchases | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 18.74%-29.74% Variable APR | Apply Now on US Bank's website on US Bank's website | |
 Bank of America® Travel Rewards credit card Apply Now on Bank of America's website, on Bank of America's website, or call (800) 211-3740 | Excellent for Flat-Rate Travel Rewards + No Annual Fee | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.24%-28.24% Variable APR | Apply Now on Bank of America's website, on Bank of America's website, or call (800) 211-3740 |
| Excellent for Cost-Effective Balance Transfer | $0 | 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24%-26.24% will apply. | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website on Bank of America's website | |
| Excellent for Airline Miles and a Large Bonus | $95 | N/A | 21.49%-28.49% Variable APR | Apply Now on Chase's website on Chase's website | |
 The Platinum Card® from American Express Apply Now on American Express' website on American Express' website | Excellent for Luxury Travel Perks | $695 | N/A | See Pay Over Time APR | Apply Now on American Express' website on American Express' website |
| Excellent for Balance Transfers and Bonus Categories | $0 | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 17.24%-28.24% Variable APR | Apply Now on Discover's website on Discover's website | |
| Excellent for Flat Rate Cash Back | $0 | 0% intro APR on Balance Transfers for 18 months | 19.24%-29.24% Variable APR | Apply Now on Citibank's application on Citibank's application | |
 Blue Cash Everyday® Card from American Express Apply Now on American Express' website on American Express' website | Excellent for Cash Back on Everyday Spending | $0 | 0% intro APR for 15 months on purchases and balance transfers | 19.24%-29.99% Variable APR | Apply Now on American Express' website on American Express' website |
Excellent for: Cash Back — High Flat Rate + Incentives
NerdWallet rating
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Rewards Rate
2%
Unlimited Cash Back on purchases.
Product Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Pros & Cons
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus categories
Apply Now
on Capital One's website
on Capital One's website
Rewards Rate
5X
Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
2X
Miles on every purchase, every day.
Product Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Pros & Cons
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®
NerdWallet rating
Apply Now
on Chase's website
on Chase's website
Rewards Rate
5%
Cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%
Cash back on drugstore purchases.
3%
Cash back on dining at restaurants, including takeout and eligible delivery services.
1.5%
Cash back on all other purchases.
Product Details
- SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
- High rewards rate
- No minimum redemption amount
Cons
- Requires good/excellent credit
Excellent for: Dining and Groceries + No Annual Fee
NerdWallet rating
Apply Now
on Capital One's website
on Capital One's website
Rewards Rate
10%
Cash back on purchases made through Uber & Uber Eats.
8%
Cash back on Capital One Entertainment purchases.
5%
Cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
3%
Cash back on dining.
3%
Cash back on entertainment.
3%
Cash back on popular streaming services.
3%
Cash back at grocery stores (excluding superstores like Walmart® and Target®).
1%
Cash back on all other purchases.
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- View Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
- Bonus categories
- No foreign transaction fees
Cons
- Requires good/excellent credit
Excellent for: Bonus Categories and First Year Cashback Match
NerdWallet rating
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Rewards Rate
5%
Cash back at grocery stores up to the quarterly maximum when you activate.
5%
Cash back at restaurants up to the quarterly maximum when you activate.
5%
Cash back at gas stations up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.
Product Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Pros & Cons
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Apply Now
on American Express' website
on American Express' website
Rewards Rate
6%
Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
Cash Back on select U.S. streaming subscriptions.
3%
Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1%
Cash Back on other purchases.
Product Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Pros & Cons
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
Excellent for: Long 0% Interest Periods for Balance Transfers
NerdWallet rating
Apply Now
on Citibank's application
on Citibank's application
Rewards Rate
No Rewards
Product Details
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Pros & Cons
Pros
- No annual fee
- Intro APR period
- Intro balance transfer fee
Cons
- Requires good/excellent credit
- No rewards
Apply Now
on Citibank's application
on Citibank's application
Rewards Rate
5%
Cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Cash back on all other purchases.
Product Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Pros & Cons
Pros
- No annual fee
- 5% bonus categories
- Intro APR Period
Cons
- Low rate outside bonus categories
Excellent for: Long 0% Period for Transfers and Purchases
NerdWallet rating
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Rewards Rate
No Rewards
Product Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- View Rates & Fees
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
Excellent for: Long 0% Period for Transfers and Purchases
NerdWallet rating
Apply Now
on US Bank's website
on US Bank's website
Rewards Rate
No Rewards
Product Details
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on US Bank's website
on US Bank's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Excellent for: Flat-Rate Travel Rewards + No Annual Fee
NerdWallet rating
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 211-3740
Rewards Rate
1.5X
Points per $1 spent on all purchases.
Product Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 211-3740
Pros & Cons
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- Flexible rewards redemption
- Intro APR period
Cons
- Requires good/excellent credit
- No bonus categories
- Best rewards limited to certain customers
Apply Now
on Bank of America's website
on Bank of America's website
Rewards Rate
No Rewards
Product Details
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
on Bank of America's website
on Bank of America's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Apply Now
on Chase's website
on Chase's website
Rewards Rate
5X
Points on travel purchased through Chase Ultimate Rewards®.
3X
Points on dining.
2X
Points on all other travel purchases.
1X
Point on all other purchases.
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Apply Now
on Chase's website
on Chase's website
Pros & Cons
Pros
- New cardholder bonus offer
- Bonus categories
- Primary rental car coverage
- Flexible rewards redemption
- Transfer partners
Cons
- Has annual fee
- Requires good/excellent credit
- Complicated rewards
Apply Now
on American Express' website
on American Express' website
Rewards Rate
5X
Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X
Membership Rewards® Points on prepaid hotels booked with American Express Travel.
1X
Membership Rewards® Points on other purchases.
Product Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Pros & Cons
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Excellent for: Balance Transfers and Bonus Categories
NerdWallet rating
Apply Now
on Discover's website
on Discover's website
Rewards Rate
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.
Product Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem
- No annual fee.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website
on Discover's website
Pros & Cons
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Apply Now
on Citibank's application
on Citibank's application
Rewards Rate
2%
Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Product Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Pros & Cons
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Excellent for: Cash Back on Everyday Spending
NerdWallet rating
Apply Now
on American Express' website
on American Express' website
Rewards Rate
3%
Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
3%
Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).
3%
Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).
1%
Cash Back on other purchases.
Product Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- View Rates & Fees
Apply Now
on American Express' website
on American Express' website
Pros & Cons
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
