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Credit Card Reviews by Dave Grossman

About the Author

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! Several years ago, I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at the South by Southwest festival, my love of the game intensified and this blog was born. Since then, I've written my book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points (2nd Edition) - (author profile), give seminars on miles and points all over the world, and occasionally write for publications such as Frommer's and Forbes Advisor.

Personal Credit Card Earning 2% Cash Back

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(0) 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.

Annual Fee:
$0

Bonus Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

Bonus points for spend in the following bonus categories:

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

Pros

Cons

Annual Fee: $0
Point
Value:
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: May 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Personal Credit Card Earning Valuable TY Points

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(0) 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.

Annual Fee:
$95

Bonus Offer

Earn 70,000 bonus points after spending $4,000 in the first 3 months

Bonus points for spend in the following bonus categories:

  • Earn 60,000 bonus points after spending $4,000 in the first 3 months

Pros

Cons

Annual Fee: $95
Point
Value:
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: May 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Business Credit Card Earning Valuable Airline Miles

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(0) 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.

Annual Fee:
$0 Introductory Annual Fee for the first year, then $99

Bonus Offer

Earn 75,000 bonus miles when you spend $5,000 within 5 months

Bonus points for spend in the following bonus categories:

  • Earn 75,000 bonus miles when you spend $5,000 within 5 months

Pros

Cons

Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Point
Value:
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: May 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Freedom Rise℠

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(3.5) 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 (670-739) *
Annual Fee:
$0

Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Bonus points for spend in the following bonus categories:

Through March 2025

5 x
Lyft
Estimated Rewards Value: 5%
1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Designed for those building credit
  • Offers Purchase Protection and Extended Warranty benefits
  • Earns 1.5% cash back with no annual fee

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
Annual Fee: $0
Foreign
Transaction Fee:
3%  of the amount of each transaction in U.S. dollars.
Min Credit
Score:
Good (670-739) *
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: 26.99% (Variable)
Balance
transfer fees:
$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: May 26, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

Hilton Honors Surpass® Credit Card

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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:

Bonus Offer

Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. 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

12 x
Hotels
Estimated Rewards Value: 6%

U.S. gast stations

6 x
Gas Stations
Estimated Rewards Value: 3%

U.S. dining, including takeout and delivery

6 x
Dining Out / Food Delivery
Estimated Rewards Value: