Credit Card Reviews by Dave Grossman

Pros

Cons

Pros

Cons

Pros

Cons

Pros

• Designed for those building credit; not a secured credit card
• Offers Purchase Protection and Extended Warranty benefits
• Earns 1.5% cash back (as Chase Ultimate Rewards points) with no annual fee

Cons

• No bonus categories other than a temporary multiplier on Lyft rides
• Charges a 3% foreign transaction fee
• Lacks a rich set of features and benefits

Pros

• If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
• Includes mid-tier Hilton Gold status, a way to spend to Diamond status
• Spend your way to a Free Night Reward valid at almost any Hilton property in the world

Cons

• The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
• Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed via a devaluation of the loyalty program.
• The Free Night Reward available with this card requires $15,000 in annual (calendar year) spend

Pros

• Earns 2X SkyMiles on Delta purchases and at restaurants worldwide
• No annual fee and no foreign transaction fees
• Offers Shopping Protection benefits (see Card Details for all information and disclosures)

Cons

• Does not offer Priority Boarding
• Does not offer any free checked bags
• Does not offer the TakeOff15 mileage discount on award tickets

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

Pros

• Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
• Offers extended warranty and purchase protection - great benefits for a shopping card
• No Foreign Transaction Fees

Cons

• This card is pure cash back - you don't earn transferable points.
• This wouldn't be an ideal card for someone without a Prime membership

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.

Pros

• If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
• You'll get up to $60 in statement credits each quarter at Hilton family hotels
• Includes mid-tier Hilton Gold status, a way to spend to Diamond status, and you can spend your way to up to two free nights at any Hilton property in the world.

Cons

• The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
• Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed.
• The card no longer includes Priority Pass lounge access or the ability to earn Free Night Reward certificates