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Credit Card Reviews by Jason Steele

About the Author

Jason Steele is a full-time freelance writer who specializes in credit cards and award travel. Since 2008, his work has a appeared in over 100 outlets and he has been widely quoted in mainstream media. Jason is also the founder and producer of CardCon, which is the Conference for Credit Card Media. Jason also offers award travel consultations to help you take your credit card strategy to the next level.
Bank of America® Unlimited Cash Rewards Credit Card image
Card Details
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Bank of America® Unlimited Cash Rewards Credit Card

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(3.8) 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 $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

Bonus points for spend in the following bonus categories:

1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Unlimited 1.5% cash back on all purchases, and even more for Preferred Rewards members
  • Simple rewards structure
  • Introductory APR offers for both purchases and balance transfers

Pros

  • Competitive levels of cash back on all purchases, and exceptional returns for Preferred Rewards members
  • Simple rewards structure
  • Introductory APR offers for both purchases and balance transfers

Cons

  • Minimal travel insurance and purchase protection benefits
  • No bonus categories that are eligible for higher rates of cash back
  • 3% foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee: 3%
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: 0 % Intro APR (on purchases for 15 cycles, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 cycles, 18.49%-28.49% thereafter)
Balance
transfer fees: 3% for 60 days from account opening, then 4%
Author: Jason Steele
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: December 4, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Bank of America® Premium Rewards® credit card image
Card Details
Notify me of bonus offer changes

Bank of America® Premium Rewards® credit card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8) 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

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2%
2 x
Hotels
Estimated Rewards Value: 2%
2 x
Car Rentals
Estimated Rewards Value: 2%
1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Double points on all travel and dining purchases
  • Strong travel insurance and purchase protection policies
  • Bonus points for Bank of America Preferred Rewards members

Pros

  • Outstanding rewards if you are a Bank of America Preferred Rewards member.
  • Robust travel insurance and purchase protection benefits

Cons

  • No transfers of points to travel partners
  • No introductory financing offer
  • $95 annual fee
Annual Fee: $95
Foreign
Transaction Fee: 0%
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: 20.49%-28.49% (Variable)
Balance
transfer fees: 4% of the amount of each transaction
Author: Jason Steele
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: December 4, 2024
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Bank of America® Travel Rewards credit card image
Card Details
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Bank of America® Travel Rewards credit card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.4) 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:
$0

Bonus Offer

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Bonus points for spend in the following bonus categories:

1.5 x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • Unlimited 1.5 points per dollar, and even more for Preferred Rewards members
  • Points can be redeemed for vacation packages, including flights, hotels, cruises, rental cars, and dining, with no blackout dates or brand restrictions.

Pros

  • Competitive amounts of travel rewards points, and exceptional amounts for Preferred Rewards members
  • Earn a statement credit bonus on a new account when required spend is met
  • Valuable promotional financing offer

Cons

  • No bonus points for certain categories of spending
  • Points don't transfer to travel partners
  • Very few travel rewards and purchase protection benefits
Annual Fee: $0
Foreign
Transaction Fee: 0%
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: 0 % Intro APR (on purchases for 15 cycles, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 cycles, 18.49%-28.49% thereafter)
Balance
transfer fees: 3% for 60 days from account opening, then 4%
Author: Jason Steele
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: December 4, 2024
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Wells Fargo Autograph Journeyâ„  Card image
Card Details
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All information about the Wells Fargo Wells Fargo Autograph Journeyâ„  Card has been collected independently by Your Best Credit Cards.

Wells Fargo Autograph Journeyâ„  Card

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YBCC Card Rate Stars Empty
(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:
$95

Bonus Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months

Bonus points for spend in the following bonus categories:

5 x
Hotels
Estimated Rewards Value: 6%
4 x
Airfare
Estimated Rewards Value: 4.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.6%
3 x
Car Rentals
Estimated Rewards Value: 3.6%
3 x
Cruises
Estimated Rewards Value: 3.6%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn transferrable rewards points. The rewards points you earn can currently be transferred to miles with five different airlines and one hotel partner. More partners are expected to be announced.
  • Receive a $50 annual statement credit towards an airline ticket purchase of $50 or more. This offers you the chance to get more than half of your annual fee back.
  • Earn 5x on hotel charges and 4x on airline purchases. This offers you more rewards value per dollar spent than most of the hotel and airline cards.

Pros

  • Strong bonus points offers for travel and dining purchases
  • Rewards can be transferred to airline and hotel partners
  • $50 annual airline credit

Cons

  • Limited list of airline and hotel transfer partners at this time
  • No TSA PreCheck or Global Entry fee reimbursement
  • No bonus categories for groceries or gas purchases
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.012-$1.2

Wells Fargo's reward points on their Autograph line of cards are transferable to a handful of partners (5 airlines and 1 hotel chain). They are the most common partners that most banks already have and do not include any US airlines, making them a bit less valuable than other rewards points.  

APR: 20.49%-25.49% (Variable)
Balance
transfer fees: 3% for 120 days from account opening, then up to 5%, min: $5
Author: Jason Steele
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: December 4, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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