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Capital One Venture X Business

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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

Bonus Offer

150,000 Miles once you spend $30,000 in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x
Car Rentals
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x
Hotels
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x
Airfare
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
  • No Preset Spending Limit; Earns Capital One Miles

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
  • Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
  • No Preset Spending Limit

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to Ā cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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The Business Platinum CardĀ® from American Express

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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.

Bonus points for spend in the following bonus categories:

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x
Airfare
Estimated Rewards Value: 8.5%

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x
Hotels
Estimated Rewards Value: 8.5%
1.5x
Single Charges over $5,000
Estimated Rewards Value: 2.55%
1.5x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2.55%
1.5x
Shipping
Estimated Rewards Value: 2.55%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
  • Generous protections when using the card to make purchases that provide genuine peace of mind.
  • Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.

Pros

  • Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
  • More than $1,500 in statement credits that can help your small business and travel (Terms apply.)

Cons

  • High annual fee of $695
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.Ā  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 19.49%-27.49% (Variable)
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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American Express is an Advertising Partner

The Platinum CardĀ® from American Express

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 80,000 Membership RewardsĀ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x
Airfare
Estimated Rewards Value: 8.5%

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

5x
Hotels
Estimated Rewards Value: 8.5%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • With over $1,800 in available statement credits, this is a premium travel rewards credit card with benefits galore. (Terms apply.)
  • The Platinum card hasn't shed its travel roots, but itā€™s expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more.
  • Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.

Pros

  • A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
  • There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
  • One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

  • High $695 annual fee (Rates and Fees) that will require a bit of work to fully maximize.
  • Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
  • Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.Ā  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: See Pay Over Time APR
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Capital One Spark Miles for Business

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95

Bonus Offer

Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

Bonus points for spend in the following bonus categories:

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5x
Car Rentals
Estimated Rewards Value: 8%

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5x
Hotels
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Earns 2X Capital One Miles on all purchases
  • No foreign transaction fees
  • Comes with two free airport lounge visits per year

Pros

  • Two free airport lounge visits per year
  • Earns 2X Capital One Miles on all purchases
  • Global Entry ($100) / TSA PreCheck ($85) Reimbursement every four years

Cons

  • $95 annual fee after the first year
  • Can only use the miles towards trave. There is no way to convert miles to cash
  • Lacks unlimited airport lounge visits (capped at 2 free visits per year)
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to Ā cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 26.24% (Variable)
Balance
transfer fees:
$0 at the Transfer APR
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Capital One Venture X Credit Card

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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

Bonus Offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x
Car Rentals
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x
Hotels
Estimated Rewards Value: 16%

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x
Airfare
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
  • Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to Ā cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 19.99%-29.99% (Variable)
Balance
transfer fees:
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Capital One Venture Rewards Credit Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

75,000 bonus Miles when you spend $4,000 within your first 3 months

Bonus points for spend in the following bonus categories:

When booked through Capital One Travel; else earn 2X

5x
Hotels
Estimated Rewards Value: 8%

When booked through Capital One Travel; else earn 2X

5x
Car Rentals
Estimated Rewards Value: 8%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
  • Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
  • Up to $100 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.

Pros

  • Great sign-up bonus
  • Comes with two complimentary visits to Capital One lounges, Priority Pass lounges, or Plaza Premium lounges
  • Hertz Five Star elite status

Cons

  • Not as strong travel protections as the more robust Capital One Venture X Credit Card
  • Only two free entries to airport lounges, access thereafter is $45 per visit. (The Venture X has unlimited visits)
  • While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to Ā cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 19.99%-29.99% (Variable)
Balance
transfer fees:
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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United Clubā„  Infinite Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$525

Bonus Offer

Earn 90,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.Ā Ā 

Bonus points for spend in the following bonus categories:

4x
Airfare
Estimated Rewards Value: 4.8%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
  • An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.

Pros

  • Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
  • A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
  • Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $525
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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CitiĀ® / AAdvantageĀ® Executive World Elite MasterCardĀ®

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(3.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$595

Bonus Offer

Earn 70,000 American Airlines AAdvantageĀ® bonus miles after spending $7,000 within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

On American Airlines flights booked directly only. Other airfare earns 1X mile per dollar.

4x
Airfare
Estimated Rewards Value: 5.6%
1x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Get American Airlines Admirals Club access for you and your immediate family or you and two guests
  • You're a priority when flying American Airlines: enjoy benefits from priority check-in, to priority boarding to priority airport screening for you and up to eight travelers on the same reservation
  • You'll earn 1 Loyalty Point for every dollar spent on the card as well as special Loyalty Point threshold bonuses

Pros

  • Admirals Club membership (a $650 value) for unlimited entry for you and immediate family or up to two guests. Authorized users also get access, but see fees for Authorized Users below,
  • Free checked bag on domestic American Airlines itineraries for you and up to eight travelers on the same reservation
  • Earn 1 Loyalty Point per $1 spent; plus threshold Loyalty Point bonuses

Cons

  • $595 annual fee may be too costly for many
  • The earning rate isn't the most optimal at just 4-5x miles on American Airlines flights and 1x miles on other purchases (+10x miles on car and hotels booked via aa.com)
  • While Authorized Users used to be free, they are now $175 for the first three and $175 for each additional AU after that
Annual Fee: $595
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 21.24%-29.99% (Variable)
Balance
transfer fees:
5% of each balance transfer; $5 minimum.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Notify me of bonus offer changes
American Express is an Advertising Partner

Delta SkyMilesĀ® Reserve Business American Express Credit Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x
Airfare
Estimated Rewards Value: 3.6%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Ideal for businesses high yearly expenses, as you can earn up to 1.5x miles on non-Delta purchases (after $150,000 in yearly spend), bonus MQMs, and an MQD waiver towards Medallion Status
  • Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
  • The annual companion certificate can be used for domestic round trip travel on Delta Air Lines in any class of service and can save you hundreds of dollars on a pair of tickets.

Pros

  • Delta Sky Club access when you're flying the same-day with Delta
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class
  • Ability to spend your way towards Delta Medallion status

Cons

  • $550 annual fee
  • Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
  • Only the higher accelerator (1.5x miles) kicks in after you spend at least $150,000 on the card in a calendar year
Annual Fee: $550
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Delta SkyMilesĀ® Reserve American Express Card

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(3.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply.

Bonus points for spend in the following bonus categories:

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

3x
Airfare
Estimated Rewards Value: 3.6%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Access to 50+ Delta Sky Clubs worldwide
  • Receive an annual companion certificate (valid for up to domestic first class!) upon card renewal, potentially saving you hundreds of dollars on Delta flights
  • Earn MQDs towards Delta Medallion Status starting in 2024

Pros

  • Enter the Delta Sky Club before or after your Delta flights
  • Earn an MQD waiver through Dec 31, 2023; Earn MQDs for spend in 2024 on.
  • Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority

Cons

  • $550 annual fee is steep, no matter how you slice or dice it
  • Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
  • Requires a significant amount of annual card spend to reach significant MQDs
Annual Fee: $550
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
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Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
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Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
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Annual fee
$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
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CitiĀ® Diamond PreferredĀ® Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
View Table Image
Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
View Table Image

Citi Custom Cashā„  Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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