We want your money to work harder for you. © 2007–2020 Credit Karma, Inc. Credit Karma® is a registered trademark of Credit Karma, Inc. It’s accurate to the best of our knowledge when it’s posted. Very handy. It means you don’t have to juggle bonus categories and it’s perfect for business owners with smaller annual budgets. Please view our advertising policy page for more information. I'm now a 631 on TU, and a 621 on Equifax! Earning rate(s): 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1% thereafter); 2% cash back at U.S. gas stations and select U.S. department stores; 1% back everywhere else. You can't transfer points to any of the airline or hotel partners in that rewards program, and transfers tend to offer the most value. Many benefits are the same across the cards, including lounge access, up to $200 airline-fee credit, automatic elite status and more. The choices include airfare purchased directly from airlines, U.S. advertising purchases in select media (online, TV, radio), U.S. purchases made from select technology providers of computer hardware, software and cloud solutions, U.S. gas stations, U.S. restaurants and U.S. shipping purchases. Discover's 10,000 Membership Rewards points after you spend $1,000 in the first 3 months of account opening. Read our full The Platinum Card From American Express review. APPLY HERE American Express Green Card (30,000-point bonus offer). As always, you likely have your own criteria for these decisions, but hopefully, this analysis helps you get jumpstarted on your research for choosing the right card for you. You can now earn a $100 Delta flight credit after spending $10,000 in a calendar year, but the annual fee did increase. 3 stars equals Good. For rates and fees of the Hilton Aspire card, please click here. Earning rate(s): 2 miles for every dollar spent on eligible purchases made directly with Delta and at restaurants and U.S. supermarkets; 1 mile per dollar spent everywhere else. Plus, earn unlimited 1% cash back on all other purchases – automatically. Unlimited 1 point per $1: You'll get 1 Membership Rewards point for every $1 you spend with your Blue from American Express®, and there's no limit to how many points you can earn. When it comes to hotel stays, Platinum cardholders also get Gold elite status with two hotel loyalty programs: Hilton Honors and Marriott Bonvoy. Offer Expires 1/13/2021. Welcome offer: Limited time offer: Earn up to $300 in statement credits when you make eligible purchases with Dell Technologies, DocuSign and FedEx within the first three months of Card Membership (up to $100 in statement credits per merchant). Why we chose it: Like its consumer-card counterpart, the Amex Business Platinum is best in class when it comes to benefits for frequent travelers. I've had my card for at least 1 year. If you can max out the airline-fee credit, your annual fee essentially drops to $200, and the value of the weekend night certificate should nearly cover the rest. For rates and fees of the Amex Platinum card, please click here. We do receive compensation from some partners whose offers appear on this page. APPLY HERE: Delta SkyMiles® Gold Business American Express Card. The card also comes with a free checked bag on Delta flights, along with priority boarding and 20% savings on eligible inflight purchases. I love it, a few pointers tho.. pay your card on time and pay in full to avoid interest. Offer ends 10/28. (Expires Dec. 31, 2020). $0 introductory annual fee for one year, then $95. We’ll estimate your chances of approval based on your credit profile. You have a high chance of getting approved for the Blue from American Express® if you have a good credit score, which is a FICO® Score of 670 or above. 150,000 Hilton Honors points after you spend $4,000 in the first 3 months of account opening. Why we chose it: This card may be a good option if you just want to put some cash back into your wallet, as we do value it as one of the best cash back credit cards. APPLY HERE: Delta SkyMiles® Platinum American Express Card, Welcome offer: Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. APPLY HERE: American Express Business Gold Card. money - and we have not reviewed all available products and offers. You’re still getting a very solid return of 7.2% on your Hilton stays plus 3.6% back on your dining, grocery and gas purchases in the U.S. You may want to sign-up for the Surpass even if your travel habits could justify the Hilton Amex Aspire with its higher annual fee. Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Why we chose it: Earning a 4.2% return on Hilton stays and 3% return at restaurants, supermarkets and gas stations is impressive for a no-annual-fee card. Choosing the best credit card for your needs is a tricky proposition, especially with so many great options from multiple issuers. Earn 100,000 bonus points after you spend $5,000 in purchases on your new Card in your first 3 months. Terms apply. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). With some great bonus categories, the American Express Gold Card has a lot going for it. Earning rate(s): 6% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1% thereafter); 6% cash back on select U.S. streaming services; 3% cash back at U.S. gas stations; 3% cash back on transit; 1% back everywhere else. The flexible rewards structure that automatically chooses your top categories also makes it easier to maximize rewards each month. No annual fee: If you're unfamiliar with credit card rewards, starting out with a no annual fee card is a smart choice. ou’ll earn 10k MQMs at $25,000 and $50,000 in calendar-year spending, but remember that you no longer earn bonus redeemable miles. Although it doesn't have a high rewards rate, it will earn you points on all your spending. Welcome offer: Earn up to 125,000 Marriott Bonvoy points. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Cardholders will also enjoy an additional $100 Dell statement credit between July and December 2020, in addition to a (now expired) $100 bonus credit for the first half of the year. You don’t get the significant perks of the Amex Platinum or Amex Gold but you can still access some solid category bonuses for everyday spending. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Annual fee: $95, waived the first year (see rates and fees). Please call Member Support at (888) 882-9277 or email legal@creditkarma.com. Apply now. You can use your points to book flights or hotels directly through Amex Travel, but transferring them to a partner and then redeeming them typically results in the best redemption value. Plus, earn an additional 25,000 bonus points after your first anniversary of Card Membership. User name. Check out our top picks of the best online savings accounts for October 2020. Some of the best cards on the market are offered by American Express and its partners. Earn double points on American Express Travel reservations: If you book travel purchases such as prepaid hotel stays, vacation packages, and cruises through the American Express Travel portal, you'll earn 2 points per $1. Take a tour of Your Account Center. This card is the only cobranded hotel credit card that grants you automatic top-tier status, Hilton Diamond, with a hotel loyalty program. Please review. Offer Expires 12/10/2020. For rates and fees of the Blue Cash Preferred card, please click here. INTRO OFFER: Unlimited Cashback Match – only from Discover. Why we chose it: This card is a terrific option if you occasionally fly Delta. I love the store and the rewards points are great. The card is offering, 3x miles on Delta purchases and at hotels; 2x miles at restaurants and U.S. supermarkets; and a, I would like to subscribe to The Points Guy newsletters and special email promotions. Falling within this credit range does not guarantee approval by the issuer. At best, you can get up to $0.01 per point if you use your points to purchase gift cards. (Offer Expires 10/28/2020) Terms apply. Earning rate(s): Earn 4 points per dollar on the two categories you spend most on each month (on the first $150,000 in combined purchases from these two categories each calendar year; then 1x). You’ll also get up to $200 in annual Dell credits for U.S. purchases and access to Amex’s suite of business tools. I’ve been spending more on groceries and food delivery, and it’s great that I get 4x on my supermarket purchases and any take out I order to support local restaurants. For more information about limited-time benefits due to the pandemic, read our guide to temporary perks and bonuses. Earning rate(s): 6 points per dollar at participating Marriott Bonvoy hotels; 3 points per dollar at U.S. restaurants and on flights booked directly with airlines; 2 points per dollar on everything else. As you can see, American Express offers a wide range of selections including some of the best rewards credit cards and best travel credit cards with benefits along with varied earning and redemption options. APPLY HERE: Hilton Honors American Express Card (80,000-point bonus offer). Note that you can only earn a welcome bonus on all of these cards once in your lifetime since American Express has tightened up its welcome offer policies. I think I applied with a shopping cart offer. Even if you’re only a semi-regular guest at Hilton’s various brands, it’s fairly easy to get outsized value from the card. Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Cardholders also get a free night award each year after their cardmember anniversary for properties that cost up to 50,000 points per night, plus complimentary Marriott Gold status (and the opportunity to earn Marriott Platinum status after spending $75,000 on the card in a calendar year) and a Priority Pass Select membership. This means you’re looking at $700 or more in value each year from just the free night certificate and the annual credit, before even factoring in the card’s other perks.