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Credit Card Reviews by Stella Shon

About the Author

Stella has been a points and miles expert for over six years, and her writing has been featured in many publications you would know, such as CNBC, Upgraded Points, Travel + Leisure, The New York Times, ValuePenguin, The Points Guy, LendingTree, Slickdeals, MoneyUnder30 and USA Today. Before all that, she worked at the airline JetBlue.
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Alaska Airlines Visa Signature® 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:
$95

Bonus Offer

LIMITED TIME ONLINE OFFER - Buy One, Get One + 50,000 Bonus Miles! Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Including EV charging stations

2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Including ride share, trains, even tolls and ferries

2 x
Transit
Estimated Rewards Value: 3.4%
2 x
EV Charging
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
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  • Earn Alaska's Famous Companion Fare ($99 fare plus taxes) after you spend $6,000 or more on purchases within the prior anniversary year.
  • 3x miles on Alaska flights; 2x miles on useful categories from gas and EV Charging to local transit; and 1x miles on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds! Available for co-applicants and authorized users when they book a reservation too!

Pros

  • Earn Alaska's Famous Companion Fare after you spend $6,000 or more on purchases within the prior anniversary year.
  • Rack up thousands of Alaska Airlines Mileage Plan miles from the welcome offer to Alaska Airlines purchases to everyday spend
  • Free checked bag and priority boarding for you and up to six travelers on the same reservation. Available for co-applicants and authorized users when they book a reservation too!

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership discount may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. They also partner with luxury Taiwan based Starlux. Additionally, only Marriott points transfer to Alaska making them harder to acquire than most.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees:
4% of the amount of each transaction
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: January 13, 2025
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American Express is an Advertising Partner

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:

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%
+
 more
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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. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • 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 (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: 19.99%-28.99% (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: January 13, 2025
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American Express is an Advertising Partner

Delta SkyMiles® Platinum Business American Express 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 *
Annual Fee:

Bonus Offer

Earn 70,000 Bonus Miles after spending $6,000 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%
3 x
Hotels
Estimated Rewards Value: 3.6%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Transit
Estimated Rewards Value: 1.8%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Single Charges over $5,000
Estimated Rewards Value: 1.8%

U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Shipping
Estimated Rewards Value: 1.8%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
  • Frequent Delta flyers will appreciate the First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding benefits
  • Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta

Pros

  • Earn Medallion status faster
  • Receive an annual companion certificate that can be worth way more than the $350 annual fee
  • Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years

Cons

  • $350 annual fee
  • Delta Sky Club access no longer a benefit of the card
  • Earns less MQDs per dollar than the higher level Delta Business Reserve card
Annual Fee: $350
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: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Platinum American Express 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:

Bonus Offer

Earn 60,000 Bonus Miles after you spend $3,000 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:

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

3 x
Airfare
Estimated Rewards Value: 3.6%
3 x
Hotels
Estimated Rewards Value: 3.6%

At restaurants, including takeout and delivery in the U.S.

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

At U.S. Supermarkets. * 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.)

2 x
Groceries
Estimated Rewards Value: 2.4%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • The annual companion certificate can easily outweigh the $350 annual fee and can be used for round trip domestic flights on Delta Air Lines (Terms apply)
  • Get $2,500 MQDs annually just for having the card plus you can spend your way towards Medallion Status with 1 MQD per $20 spent.
  • Get a 15% discount off of Delta award flights

Pros

  • $2,500 annual MQDs and the opportunity to spend your way towards Medallion Status (MQDs)
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. (Terms apply)
  • Jam-packed with traveler's benefits, such as a Global Entry or TSA PreCheck fee credit, a first free checked bag when flying Delta Air Lines, trip delay coverage, baggage insurance and more

Cons

  • $350 annual fee
  • Doesn't offer Delta Sky Club access
  • While the ability to spend your way towards Medallion status is helpful, it requires a hefty amount of spending
Annual Fee: $350
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: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Gold Business American Express 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:
$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

Bonus Offer

Earn 60,000 Bonus Miles after spending $4,000 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:

U.S. providers only

2 x
Shipping
Estimated Rewards Value: 2.4%

U.S. providers only

2 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 2.4%

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

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • You and up to eight companions on the same flight reservation can get a free checked bag on Delta flights -- saving you $30 per person, per flight!
  • When it comes time to redeem your hard-earned SkyMiles, you'll get a nice 15% discount on award redemptions for Delta flights.
  • Get access to a solid range of travel and purchase protections with the card, such as secondary car rental collision and damage waiver insurance and extended warranty.

Pros

  • First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding
  • Enjoy a 20% discount for onboard purchases
  • Opportunity to earn a future $200 Delta flight credit by spending $10,000+ on the card every year

Cons

  • $150 ongoing annual fee after the first year
  • No Delta Sky Club membership or access
  • Unlike the Platinum and Reserve card versions, you cannot earn an MQD waiver or earn MQMs from qualifying spend.
Annual Fee: $0 Introductory Annual Fee for the first year, then $150
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: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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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:

Bonus Offer

Earn 80,000 Bonus Miles after spending $10,000 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%
+
 more
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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, Main Cabin 1 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 (Visit limits apply beginning in 2025)
  • 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 (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: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Gold American Express 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:
$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

Bonus Offer

Earn 50,000 Bonus Miles after you spend $2,000 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:

Applies only to airfare booked directly with Delta Air Lines; otherwise earn 1X

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

At U.S. Supermarkets. * 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.)

2 x
Groceries
Estimated Rewards Value: 2.4%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
+
 more
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  • Enjoy your first checked bag free on Delta flights -- a savings of $30 one-way, or $60 roundtrip!
  • Save 15% when you use SkyMiles to book eligible Delta award flights
  • Potential to earn a $200 Delta flight credit every year by spending at least $10,000 on the card in a calendar year -- recouping the ongoing $99 annual fee!

Pros

  • You'll save 15% when you use SkyMiles to book eligible Delta award flights
  • Free first checked bag and Main Cabin 1 boarding on Delta flights
  • Earn a $200 Delta flight credit after spending $10,000 in a calendar year

Cons

  • While there's a $0 introductory annual fee for the first year of account opening, the Delta SkyMiles Gold charges a $150 annual fee thereafter.
  • The card does not provide more than 2x miles on purchases, even on Delta flights
  • You do not get Delta Sky Club access or elite-qualifying miles
Annual Fee: $0 Introductory Annual Fee for the first year, then $150
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: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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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:

Bonus Offer

Earn 95,000 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: 3.6%
3 x
Airfare
Estimated Rewards Value: 1.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.8%
2 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
+
 more
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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 (670-739) *
Point
Value:
$0.006

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.

APR: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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American Express is an Advertising Partner

Marriott Bonvoy Business® American Express® 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:

Bonus Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees and terms apply.

Bonus points for spend in the following bonus categories:

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

6 x
Hotels
Estimated Rewards Value: 3.6%

At U.S. gas stations

4 x
Gas Stations
Estimated Rewards Value: 2.4%

With U.S. Cellular Providers

4 x
Cellular Phone Service
Estimated Rewards Value: 2.4%

Worldwide

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

With U.S. Shipping companies

4 x
Shipping
Estimated Rewards Value: 2.4%
2 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
  • A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
  • Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership

Pros

  • Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
  • Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
  • Complimentary Gold elite status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades

Cons

  • $125 annual fee
  • Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
  • Marriott Bonvoy Gold elite status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
Annual Fee: $125
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

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.

APR: 19.99%-28.99% (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: January 13, 2025
Intro bonus:
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Unitedâ„  Business Card

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(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 Introductory Annual Fee for the first year, then $99

Bonus Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Gas Stations
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Office Supplies
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn PQPs towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $99 after the first year
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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: 21.24%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% 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: January 13, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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