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The Business Platinum Card® from American Express The Business Platinum Card® from American Express image
Card Details
How to apply
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American Express is an Advertising Partner

The Business Platinum Card® from American Express

YBCC Card Rate Stars Filled
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(4.5) 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 *
Annual Fee:
$895 (Rates and fees)

☝ Increased Offer

Earn 200,000 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.

Get a 15% transfer bonus when you transfer American Express Membership Rewards to Avianca Lifemiles.

Offer expires on Nov 30, 2025

Valid 12:00 a.m. MT on 11/3/2025 to 11:59 p.m. MT on 11/30/2025.

I do not think many of you should be taking advantage of this offer.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca recently devalued their program. Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me. Aeroplan also does not pass along surcharges (nor does United) and both are much easier to deal with.

At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway. This is the 3rd transfer bonus from Amex alone to Avianca Lifemiles.

See all historical transfer bonuses.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Nov 30, 2025

Get 30% more Marriott Bonvoy points when you transfer Membership Rewards® points through 11/30/2025.

You’ll have 2 months to take advantage of this transfer bonus, but should you?

First of all, we have historically seen significantly higher offers across Amex and Chase.

Here is a link to historical transfer bonuses to Marriott Bonvoy, with 50%-70% in the list.

That said, this is still almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value an Amex point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

5 x
Airfare
Estimated Rewards Value: 8.5%

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

5 x
Hotels
Estimated Rewards Value: 8.5%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
Single Charges over $5,000
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2 x
Shipping
Estimated Rewards Value: 3.4%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
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  • 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 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass™ Select membership, and more.
  • Unlock over $3,500 in business and travel value annually on the Business Platinum Card.

Cons

  • High annual fee of $895
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: i.e. Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $895
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
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.  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: 17.99%-28.74% (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 10, 2025
Intro bonus:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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The Platinum Card® from American Express The Platinum Card® from American Express image
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The Platinum Card® 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 *
Annual Fee:
$895 (Rates and fees)

☝ Increased Offer

You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.

Get a 15% transfer bonus when you transfer American Express Membership Rewards to Avianca Lifemiles.

Offer expires on Nov 30, 2025

Valid 12:00 a.m. MT on 11/3/2025 to 11:59 p.m. MT on 11/30/2025.

I do not think many of you should be taking advantage of this offer.

Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:

Keep in mind that Avianca recently devalued their program. Also see: Downsides of the LifeMiles program.

With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me. Aeroplan also does not pass along surcharges (nor does United) and both are much easier to deal with.

At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway. This is the 3rd transfer bonus from Amex alone to Avianca Lifemiles.

See all historical transfer bonuses.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Marriott Bonvoy.

Offer expires on Nov 30, 2025

Get 30% more Marriott Bonvoy points when you transfer Membership Rewards® points through 11/30/2025.

You’ll have 2 months to take advantage of this transfer bonus, but should you?

First of all, we have historically seen significantly higher offers across Amex and Chase.

Here is a link to historical transfer bonuses to Marriott Bonvoy, with 50%-70% in the list.

That said, this is still almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value an Amex point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other transfer partners. Also keep in mind this transfer can take up to 48 hours.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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®.

5 x
Airfare
Estimated Rewards Value: 8.5%

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

5 x
Hotels
Estimated Rewards Value: 8.5%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
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Notify me of bonus offer changes
  • With over $3,500 in annual value, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
  • The Platinum Card® hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, lululemon, Saks Fifth Avenue, Oura Ring, Equinox, and more. (Enrollment required)
  • American Express 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 annual fee 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: $895
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
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.  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.

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 10, 2025
Intro bonus:
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Chase Sapphire Reserve® Chase Sapphire Reserve® image
Card Details
Learn How to Apply
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Chase Sapphire Reserve®

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(4.5) 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:
$795

☝ Increased Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Get up to a 40% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Tiered Offer Based On Transfer Date
Offer expires on Dec 05, 2025

Get 40% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 7, 2025 and 11:59 PM ET on November 20, 2025.

When the early bird offer ends, get 30% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 21, 2025 and 11:59 PM ET on December 5, 2025.

Chase did this two tiered transfer bonus earlier this year as well (February), with 40% for two weeks, then 30%. They also had a flat 25% offer in the middle of this year. See all past transfer bonuses to Virgin Atlantic.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed.)

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.

8 x
Airfare
Estimated Rewards Value: 14%

Only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.

8 x
Hotels
Estimated Rewards Value: 14%

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.

8 x
Car Rentals
Estimated Rewards Value: 14%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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  • Earns extremely valuable Chase Ultimate Rewards points
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $2,700 in annual value in benefits and statement credits.

Pros

  • Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $2,700 in annual value in benefits and statement credits.

Cons

  • High annual fee
  • Not as many bonus categories as some other cards
  • If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.
Annual Fee: $795
Foreign
Transaction Fee: 0%
Min Credit
Score: Excellent (800-850) *
Point
Value: $0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 19.99%-28.49% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Editor: n dev
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 10, 2025
Intro bonus:
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United Club℠ Card United Club℠ Card image
Card Details
Learn How to Apply
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United Club℠ 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:
$695

☝ Increased Offer

Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

On United only; otherwise earn 2 miles per dollar

4 x
Airfare
Estimated Rewards Value: 4.8%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Car Rentals
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%

Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.

2 x
Hotels
Estimated Rewards Value: 2.4%
2 x
Cruises
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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  • 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.
  • Earn up to 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases), up to and including the Premier 1K® level

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges unless you qualify for All Access membership
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $695
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: 20.24%-28.74% (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 10, 2025
Intro bonus:
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Delta SkyMiles® Reserve Business American Express Credit Card Delta SkyMiles® Reserve Business American Express Credit Card image
Card Details
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Delta SkyMiles® 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 *
Annual Fee:
$650 (Rates and fees)

🎁 Bonus offer

Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

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

3 x
Airfare
Estimated Rewards Value: 3.6%
1.5 x
Transit
Estimated Rewards Value: 1.8%

U.S. Shipping only

1.5 x
Shipping
Estimated Rewards Value: 1.8%

U.S. office supply stores only

1.5 x
Office Supplies
Estimated Rewards Value: 1.8%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
  • Frequent Delta flyer perks like first free checked bag, Zone 5 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights

Pros

  • Delta Sky Club access when you're flying the same-day with Delta (15 visits per calendar year)
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
  • Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.

Cons

  • $650 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
  • Limited bonus categories for spend
Annual Fee: $650
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
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: 19.74%-28.74% (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 10, 2025
Intro bonus:
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Hilton Honors American Express Aspire Card Hilton Honors American Express Aspire Card image
Card Details
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Hilton Honors American Express Aspire 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:
Good *
Annual Fee:
$550 (Rates and fees)

☝ Increased Offer

Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer ends 1/14/2026. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

14 x
Hotels
Estimated Rewards Value: 7%
7 x
Airfare
Estimated Rewards Value: 3.5%
7 x
Car Rentals
Estimated Rewards Value: 3.5%

U.S. dining, including takeout and delivery

7 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.5%
3 x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
+
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  • Diamond Elite Status
  • Up to $909 in annual statement credits (Terms apply)
  • An annual Standard Free Night Reward with no cap on value

Pros

  • Diamond Elite Status
  • Up to $909 in annual statement credits (Terms apply)
  • An annual Standard Free Night Reward with no cap on value

Cons

  • Points earned are only good for booking Hilton family stays
  • High annual fee (but not really, considering the value)
  • We really can't think of a third!
Annual Fee: $550
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.74%-28.74% (Variable)
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 10, 2025
Intro bonus:
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Delta SkyMiles® Reserve American Express Card Delta SkyMiles® Reserve American Express Card image
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Delta SkyMiles® Reserve American Express Card

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(3.7) 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 *
Annual Fee:
$650 (Rates and fees)

🎁 Bonus offer

Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. 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

3 x
Airfare
Estimated Rewards Value: 3.6%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • 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 via spend on your Card and get $2,500 MQDs per year just for having the card!

Pros

  • Enter the Delta Sky Club® before or after your Delta flights
  • Earn $1 MQD for every $10 spent on the card (eligible purchases)
  • Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority

Cons

  • $650 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: $650
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
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: 19.74%-28.74% (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 10, 2025
Intro bonus:
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Marriott Bonvoy Brilliant® American Express® Card Marriott Bonvoy Brilliant® American Express® Card image
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Marriott Bonvoy Brilliant® American Express® Card

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(3.7) 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 *
Annual Fee:
$650 (Rates and fees)

🎁 Bonus offer

Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X

6 x
Hotels
Estimated Rewards Value: 3.3%
3 x
Airfare
Estimated Rewards Value: 1.65%

3x points at restaurants worldwide (and food delivery apps in the U.S.)

3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.65%
2 x
All Other Eligible Purchases
Estimated Rewards Value: 1.1%
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  • Top-tier Marriott benefits, including complimentary Platinum elite status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
  • Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
  • The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half

Pros

  • Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
  • Automatic Platinum elite status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
  • Top-notch travel benefits, including Priority Pass™ Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more

Cons

  • $650 annual fee is top-of-the-line when it comes to hotel credit cards
  • The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
  • The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only
Annual Fee: $650
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.0055

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world. That said, the prices have gone up and up again, and the ever increasing resort fees are not waived on Bonvoy award nights, which does draw the point value down.

APR: 19.74%-28.74% (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 10, 2025
Intro bonus:
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Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express image
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Blue Cash Preferred® Card from American Express

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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 *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

🎁 Bonus offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6 x
Groceries
Estimated Rewards Value: 6%

On select U.S. Streaming Services

6 x
Streaming Services
Estimated Rewards Value: 6%
3 x
Transit
Estimated Rewards Value: 3%

At U.S. Gas Stations

3 x
Gas Stations
Estimated Rewards Value: 3%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1%
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  • Earn 6% cash back on eligible U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
  • Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations on eligible purchases; and 1% on all other eligible purchases.
  • $0 Introductory Annual Fee for the first year, then $95

Pros

  • Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
  • Monthly statement credits for The Disney+ Bundle that could potentially save you hundreds of dollars per year
  • 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

  • Charges a $95 annual fee every year after the $0 intro annual fee
  • This card's foreign transaction fee clocks in at 2.7%
  • Blue Cash reward dollars are limited to cash back redemptions
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Min Credit
Score: Good *
Point
Value: $0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 0 % Intro APR (on purchases for 12 months, 19.74%-28.74% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 19.74%-28.74% thereafter)
Balance
transfer fees: Either $5 or 3% of the amount of each transfer, whichever is greater.
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 10, 2025
Intro bonus:
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Annual Fee:
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The Plum Card® The Plum Card® image
Card Details
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The Plum Card®

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(2.9) 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 *
Annual Fee:
$250 (Rates and fees)

🎁 Bonus offer

None. Terms Apply.

Bonus points for spend in the following bonus categories:

1.5 x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
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  • Unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
  • Choose between cash back or extended payment terms of 60 days
  • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Pros

  • No foreign transaction fees
  • Choose each statement cycle between cash back or extended payment terms of 60 days
  • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Cons

  • Car rental CDW benefit is secondary
  • High annual fee
  • Other cards earn higher rewards (although without the 60 day payment option)
Annual Fee: $250
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

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 10, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image

Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
View Table Image

Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
View Table Image

A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

Calculation

Featured Credit Cards

Personalized rewards

Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

Personal or business card?:

Business
Personal
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I am looking for:

Cash
Points
Either
Total Spend: $0/mo
Dining Out / Food Delivery

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0
0 10000
Groceries

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0
0 10000
Airfare

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0
0 10000
Hotels

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0
0 10000
Car Rentals

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0 10000
Gas Stations

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0
0 10000
EV Charging

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0
0 10000
Cruises

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0
0 10000
Transit

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0
0 10000
Drugstores

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0
0 10000
Cable / Internet / Phone

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0
0 10000
Cellular Phone Service

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0
0 10000
Office Supplies

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0
0 10000
Rent

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0
0 10000
Streaming Services

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0
0 10000
Gym Memberships

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0
0 10000
Advertising (Online / TV / Radio)

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0
0 10000
U.S. Electronic Goods Retailers / Software / Cloud System Providers

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0
0 10000
Construction Materials / Hardware Supplies

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0
0 10000
Online Retail Shopping

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0
0 10000
Amazon / Whole Foods

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0
0 10000
Entertainment (Concerts / Shows / Movies)

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0
0 10000
Costco

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0
0 10000
Lyft

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0
0 10000
Advertising on Search Engines and Social Media

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0
0 10000
Shipping

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0
0 10000
Single Charges over $5,000

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0
0 10000
Total Spend: $0/mo
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