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We provide a thorough review of credit cards issued by major US banks.

Best Credit Cards of October 2024

When it comes to financial decisions, making right choices is critical. It is our goal to help you make informed credit card decisions and save your time for things we value so much in life - family, traveling, entertainment, and etc...

We read about, analyzed in detail and ranked a great deal of credit cards from the US top banks. And we created a list of the most interesting and rewarding offers of the month for you.

Scroll down to learn more about the best credit card offers on the market!

Our Top Credit Cards

DoorDash Rewards Mastercard: best for active DoorDash users, 4% cashback on DoorDash and Caviar orders + free year of DashPass membership
Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
Marriott Bonvoy Bold®: no-annual-fee card for frequent Marriott guests, offering up to 14x total point at Marriott properties + sign-up bonus, and standout travel protections.
Ink Business Unlimited®: best rated overall business card for earning unlimited flat-rate cashback + sign-up bonus, simplicity, no annual fee, and 0% Intro APR on purchases for 12 months
United Club Business: best rated overall business card for United Airlines travelers + unlimited lounge access, 7x miles on United flights, and standout travel protections
Instacart Mastercard®: best for frequent Instacart users, 5% cashback on Instacart and Chase Travel purchases
IHG One Rewards Traveler: no-annual-fee card for IHG hotels + sign-up bonus
Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
Sapphire Reserve®: best-rated premium travel card with unlimited airport lounge access, up to 10x points on travel and dining, and a sign-up bonus
AAdvantage® Executive World Elite Mastercard: premium travel card for American Airlines benefits and airport lounge access

DoorDash Rewards Mastercard

Apply now

On Chase's Secure Website

4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, and 1% on all other purchases.

1% - 4% Cashback

Welcome Offer Approved applicants receive a free year of DashPass membership ($96 value), which will auto-renew at the current rate. Cancel anytime.

Free Year of DashPass Membership ($96 value)

Card Details

Welcome Offer

Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.

Rewards (if applicable)

4% Cashback on DoorDash and Caviar orders.
3% Cashback on Dining.
2% Cashback on Grocery Stores.
1% Cashback on All Other Purchases.

DoorDash Benefits and Offers

DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
Monthly 10% Off: Get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month through December 31, 2024, on DoorDash only. Maximum value of discount is $15 each month.
Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card. Offer valid through September 30, 2025.
Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.

Fees and APR

Annual Fee: $0.
Regular APR: 19.74% - 28.49% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Travel Benefits

Includes Auto Rental Collision Damage Waiver and Trip Cancellation/Interruption Insurance.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Cell Phone Protection: Coverage effective when the monthly bill is paid with the eligible card.

Exclusive Offers

Exclusive World Elite Mastercard Offers: Exclusive discounts and more.
Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

Authorized Users: Add authorized users at no cost to maximize your earning potential.
Contactless checkout, fraud alerts, automatic account alerts, 24/7 customer service, digital wallets, and World Elite concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The DoorDash Rewards Mastercard® is an excellent option for frequent DoorDash and Caviar users, offering 4% cashback on these services. It also includes a complimentary year of DashPass membership (valued at $96), which provides $0 delivery fees and reduced service fees on eligible orders. Beyond that, the card delivers competitive cashback on dining and groceries, as well as valuable benefits like purchase protection, extended warranty, and travel insurance. It's an ideal choice for those who regularly order takeout, shop for groceries, and appreciate added financial protections.

Freedom Unlimited®

Apply now

On Chase's Secure Website

4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.99% - 28.74% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Card Details

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Cashback: Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstore purchases and dining at restaurants, 1.5% cashback on all other purchases.
Lyft: Earn 5% on qualifying Lyft rides through March 31, 2025.
Annual Fee: None.
Foreign Transaction Fees: 3% of the amount of each transaction in U.S. dollars.
0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
Regular APR: After the introductory period, a variable APR of 19.99% – 28.74% applies to purchases and balance transfers.
Redeem Your Rewards: For cash, travel, gift cards, purchases, and more. Cashback rewards do not expire.
DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
Travel Benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, and Travel and Emergency Assistance Services.
Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended warranty protection: Extends the warranty period by one additional year on eligible warranties of three years or less.
Additional features: Zero liability protection, 24/7 fraud monitoring, free credit score and identity restoration with Chase Credit Journey, digital wallet technology, and contactless checkout.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

The Chase Freedom Unlimited® is a versatile cashback credit card offering unlimited 1.5% cashback on all purchases and extra cashback on travel, drugstores, and dining. With a generous welcome bonus, valuable purchase protection benefits, 0% APR intro offers, and a straightforward rewards structure, it's perfect for maximizing your rewards potential while keeping things simple.

Marriott Bonvoy Bold®

Apply now

On Chase's Secure Website

4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 14x total points at Marriott: 3x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, up to 10x points as a Marriott Bonvoy® member, and 1x points with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember. Earn 2x points for every $1 at grocery stores, on rideshares and select food delivery, select streaming services, and internet, cable, and phone services. Earn 1x points for every $1 spent on all other purchases.

1x - 3x Points

Welcome Offer Earn 60,000 bonus points plus 1 free night award (valued up to 50,000 points) after spending $2,000 on purchases in the first three months from account opening.

60,000 Points + 1 Free Night Award

Card Details

Welcome Offer

Earn 60,000 bonus points + 1 free night award (valued up to 50,000 points) after spending $2,000 in the first three months.

Rewards

Up to 14x Points on Marriott Stays: 3x points for every $1 spent with the Marriott Bonvoy Bold® Card + up to 10x points as a Marriott Bonvoy® member + 1x point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember.
2x Points on Select Categories:
- 2x Points on Grocery Stores.
- 2x Points on Rideshare and Select Food Delivery.
- 2x Points on Select Streaming Services.
- 2x Points on Internet, Cable, and Phone Services.
1x Points on All Other Purchases.

Partner Benefits

DoorDash: Enjoy a free year of DashPass. Activate by December 31, 2024. Afterward, enrollment continues at the standard rate.

Elite Hotel Status

Automatic Silver Elite Status with Marriott Bonvoy®: Enjoy automatic Silver Elite Status with benefits like priority late checkout (where available) and 10% more points on stays at participating Marriott Bonvoy® hotels. Status renews every account anniversary year.
Elite Night Credits: Receive 5 elite night credits every calendar year, helping you work toward higher status tiers.

Redemption Options

Redeem points for free nights at Marriott hotels, flights, experiences and more.

Fees and APR

Annual Fee: $0.
Regular APR: 20.99% - 27.99% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Travel Benefits

Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings using your Marriott Bonvoy Credit card.
Other Travel Benefits: Includes Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance, Roadside Dispatch, and Auto Rental Collision Damage Waiver.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Authorized Users: Add authorized users at no cost to maximize your earning potential.
Zero liability protection, 24/7 customer service, emergency cash replacement, lost/stolen card reporting, personalized account alerts, Credit Journey, embedded chip for enhanced security, digital wallet, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The Marriott Bonvoy Bold® card is perfect for frequent Marriott guests who want to maximize rewards without paying an annual fee. It stands out for its welcome offer, high earning rates at Marriott properties, offering Elite Status benefits and useful travel perks. Additionally, it provides 2x points for everyday spending. While it may still be outperformed by other cards in specific categories like dining, it offers unique advantages for Marriott loyalists and those who frequently spend in these specific areas. The card also includes purchase protection, extended warranty, and no foreign transaction fees, making it a solid choice for shoppers and travelers.

Ink Business Unlimited®

Apply now

On Chase's Secure Website

5.0

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.99% - 23.99% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases.

1.5% Cashback

Welcome Offer Earn a $900 cashback bonus after spending $6,000 on purchases in the first three months after account opening.

$900

Card Details

Welcome Offer

Earn a $900 cashback bonus after spending $6,000 in the first three months.

Rewards

Earn unlimited 1.5% cashback on all purchases.

Partner Benefits

Lyft: Earn 5% cashback on Lyft rides through March 2025.

Redemption Options

Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.

Fees and APR

Annual Fee: $0.
0% Intro APR on Purchases: For 12 months from account opening.
Regular APR: After the introductory period, a variable APR of 17.99% - 23.99% applies to purchases and balance transfers.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.

Business Perks

Separate business and personal expenses, cash flow management tools, credit limit increases as your business grows, employee cards at no additional cost, and 24/7 access to account details.

Travel Benefits

Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.

Purchase Protections

Purchase Protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection: Extends the warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Contactless payments, fraud protection, and zero liability protection.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The Ink Business Unlimited® is an excellent choice for businesses looking for straightforward cashback rewards. With unlimited 1.5% cashback on all purchases and no annual fee, it’s a simple yet rewarding option. The card offers a generous welcome bonus and a 0% intro APR on purchases for 12 months, making it ideal for businesses that want flexibility with their spending. Plus, valuable protections like purchase protection and extended warranty coverage enhance its appeal, providing peace of mind alongside strong earning potential.

United Club Business

Apply now

On Chase's Secure Website

5.0

Annual fee:
$450

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card. Earn 2x miles on other United purchases. Earn 3.5x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the United Club Business Card. Earn 1.5x miles on all other purchases.

1.5x - 2x Miles

Welcome Offer Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months of account opening.

50,000 Miles + 1,000 Premier qualifying points (PQP)

Card Details

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.

Rewards

7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card.
2x Miles on Other United Purchases.
3.5x Miles on Hotel Stays booked through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the card.
1.5x Miles on All Other Purchases.

Partner Benefits

DoorDash: Enjoy a free year of DashPass. Activate by December 31, 2024. Afterward, enrollment continues at the standard rate.

Lounge Access

Complimentary United Club membership (worth up to $650/year) with access to all United Club locations and participating Star Alliance™ lounges with free drinks and snacks.

Redemption Options

Redeem miles for flights, hotel stays, car rentals, shopping, and more.

Fees and APR

Annual Fee: $450.
Regular APR: 21.49% - 28.49% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Business Perks

Employee cards at no additional cost.

Travel Benefits

Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
Premier Upgrades on Award Tickets: The Primary Cardmember with MileagePlus® Premier status and one companion on the same reservation are eligible for complimentary upgrades on select United- and United Express-operated flights.
In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, and Emergency Evacuation and Transportation.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

Additional Features

Emergency card replacement, zero liability protection, fraud protection, 24/7 customer service, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The United Club℠ Business card is a strong choice for business owners and frequent United Airlines travelers who value premium travel benefits. This card offers substantial rewards, including 7x miles on United flights and 1.5x miles on all other purchases. It provides a generous welcome bonus and perks like complimentary United Club membership and free checked bags. With robust travel protections and valuable purchase protection, this card enhances the overall travel experience, making it ideal for those seeking to maximize rewards while enjoying exclusive privileges.

Instacart Mastercard®

Apply now

On Chase's Secure Website

4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases. Earn 5% cashback on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, and on select streaming services. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

Card Details

Welcome offer: Get a $50 Instacart credit automatically upon approval.
Earn 5% cashback on Instacart purchases.
Earn 5% cashback on Chase Travel purchases.
Earn 2% cashback at restaurants, gas stations, and on select streaming services.
Earn 1% cashback on all other purchases.
Redeem rewards: For cash, travel, or Instacart orders.
No annual fee.
No foreign transaction fees.
Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended warranty protection: Extends the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel and Emergency Assistance Services, and Travel Accident Insurance.
World Elite® Concierge: 24/7 concierge service for personal assistance like reserving tables and locating hard-to-find items.
Authorized users: Add authorized users at no cost to maximize your earning potential.
Additional features: Contactless checkout and digital wallets.
Regular APR: 19.74% - 28.49% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

The Instacart Mastercard® offers unbeatable 5% cashback rewards on Instacart purchases, making it highly beneficial for saving on groceries and household items. It also provides 5% cashback on Chase Travel purchases, competitive travel benefits, purchase protection, and extended warranty coverage. This card is ideal for individuals who frequently use Instacart, travel often, and value added benefits and protections.

IHG One Rewards Traveler

Apply now

On Chase's Secure Website

4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.99% - 27.99% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at IHG® Hotels and Resorts: Get 5x points for every $1 spent with this card, plus up to 10x points for being an IHG One Rewards member, and up to 2x points for Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember. Earn 3x points on dining, gas, utilities, internet, cable, phone services, and select streaming services. Additionally, earn 2x points on all other purchases.

2x - 5x Points

Welcome Offer Earn 80,000 bonus points after spending $2,000 in the first three months from account opening.

80,000 Points

Card Details

Welcome Offer: Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. That’s up to 2 nights at IHG Hotels & Resorts.
Up to 17x Points at IHG® Hotels and Resorts: Get 5x points for every $1 spent with this card, plus up to 10x points for being an IHG One Rewards member, and up to 2x points for Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember.
3x Points: On dining, gas, utilities, internet, cable, phone services, and select streaming services.
2x Points: On all other purchases.
Automatic Silver Elite status: Enjoy Silver Elite Status as long as you remain an IHG One Rewards Traveler Cardmember.
Annual bonus: Earn 10,000 bonus points after you spend $10,000 each calendar year.
Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Traveler credit card.
Annual Fee: None.
Authorized Users: Add authorized users at no cost.
Foreign Transaction Fees: None.
Redeem Rewards: For free nights at IHG® Hotels and Resorts, travel, and more. Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.
Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends the manufacturer’s U.S. warranty period by one additional year on eligible warranties of three years or less.
Travel Benefits: Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, Travel Accident Insurance, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
Additional Benefits: Fraud protection.
Regular APR: 20.99% - 27.99% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

The IHG One Rewards Traveler card offers a generous welcome bonus, complimentary Silver Elite Status, and enhanced rewards on IHG® Hotels and Resorts, dining, utilities, select streaming services, and gas, with 2x points on all other purchases. It provides competitive purchase and travel benefits, making it a great option for frequent IHG® travelers.

Prime Visa

Apply now

On Chase's Secure Website

4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.74% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon Gift Card instantly upon approval.

$150 Amazon Gift Card

Card Details

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.

Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.
Earn 2% cashback at restaurants, gas stations, and on local transit and commuting.
Earn 1% cashback on all other purchases.
Annual Fee: None.
Foreign Transaction Fees: None.
Prime Membership Required: You must have an Amazon Prime membership to apply.
Redeem Rewards: Redeem for purchases at Amazon.com, cashback, gift cards, or travel. Points post and can be redeemed as soon as the next day.
Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
Chase Offers: Access deals in the Chase Mobile app and at chase.com. No coupons, codes, or vouchers are needed.
Free Authorized Users: Add authorized users at no cost to maximize your reward-earning potential.
Extended Warranty Protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of 3 years or less.
Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
Additional features: Digital wallets, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
Regular APR: 19.99% - 28.74% Variable APR.
Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

If you're an active Amazon Prime shopper and frequently buy groceries at Whole Foods Market, this card is a must-have. It offers unbeatable rewards for shopping at Amazon.com and Whole Foods Market, plus excellent travel and purchase protection benefits. The welcome bonus adds extra value for savvy shoppers.

Sapphire Reserve®

Apply now

On Chase's Secure Website

4.8

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.99% - 28.99% Variable APR

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $900 for travel through Chase Travel or $600 for cash.

60,000 Points

Card Details

Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $900 for travel through Chase Travel or $600 for cash.
Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually.
Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually.
Earn 3x points on other travel purchases after spending $300 on travel annually.
Earn 10x points on Chase Dining purchases and 3x points on other dining purchases.
Earn 1x points on all other purchases.
Annual fee is $550. Adding an authorized user costs $75.
No foreign transaction fees: Enjoy purchases abroad without extra charges.
Redeem your rewards: For cash, gift cards, travel, products, services, and more. Get 50% more value when redeemed for travel booked through Chase Travel.
Complimentary Airport Lounge Access: Unlimited access to over 1,300 lounges worldwide with up to two guests. Plus, enjoy access to every Chase Sapphire Lounge by The Club location after a one-time enrollment in your complimentary Priority Pass™ Select membership.
Sapphire Lounge by The Club: Refresh with locally inspired menus in a memorable atmosphere.
Annual travel credit: Receive a $300 credit as reimbursement for travel purchases charged to your card each account anniversary year.
Global Entry/TSA PreCheck®/NEXUS fee reimbursement: Receive up to $100 every four years for the application fee.
Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
Reserved by Sapphire℠: Get VIP access to sports, festivals, dining and entertainment with exclusive lounges, early ticket sales, premium seating, and more.
DashPass membership: Get a one-year complimentary DashPass. After that, auto-enrolls at the current rate. Activate by December 31, 2024. Earn $5 in monthly DoorDash Credits through December 31, 2024.
Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access, a value of $199/year. Activate by December 31, 2024. Includes 10% off Lux rides, free Priority Pickup upgrades, bikeshare discounts, and more. Auto-renews annually. Earn 10x points on Lyft rides through March 2025.
Instacart+ membership: Get a one-year complimentary Instacart+ membership. After that, auto-enrolls at the current rate. Activate by July 31, 2024. Receive up to $15 in statement credits each month through July 31, 2024.
The Edit℠: Book through The Edit℠ and explore a curated selection of exceptional accommodations, featuring exclusive benefits such as daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
10x on Peloton purchases: Earn 10x on Peloton equipment and accessory purchases over $150. Maximum earning limit of 50,000 total points through March 31, 2025.
Visa Infinite Experiences: Include Concierge Service, the Luxury Hotel and Resort Collection℠, exclusive reservations, the Hit List dinner series, VIP access to events, special car rental privileges, and more.
Travel benefits: 1:1 point transfer, Trip Cancellation and Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation Coverage, Baggage Delay Insurance, Travel Accident Insurance, Roadside Assistance, Travel and Emergency Assistance Services, and Emergency Medical and Dental Benefits.
Purchase protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Return protection: Reimburses for eligible items the store won’t accept back within 90 days of purchase. Up to $500 per item, $1,000 per year.
Extended warranty protection: Extends the duration of the U.S. manufacturer’s warranty by one additional year for eligible warranties of three years or less.
Additional card features: 24/7 customer service, digital wallets, zero liability protection, fraud protection and fraud alerts, chip-enabled for enhanced security, and contactless checkout.
Regular APR: 21.99% - 28.99% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the terms and conditions.

Conclusion

Chase Sapphire Reserve® is a premium credit card offering elevated rewards on travel and dining, along with a generous welcome bonus. It features standout travel benefits and exclusive perks, making it ideal for frequent travelers.

AAdvantage® Executive World Elite Mastercard

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On Citi's Secure Website

AAdvantage® Executive World Elite Mastercard

4.5

Annual fee:
$595

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 29.74% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars. Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases. Earn 1x AAdvantage® mile on all other purchases.

1x - 10x Miles

Welcome Offer Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.

70,000 Miles

Card Details

Welcome Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases.
Earn 1x AAdvantage® mile on all other purchases.
Annual Fee: $595.
Annual Fee for Authorized Users: $175 for up to 3 users, $175 for each additional user.
Foreign Transaction Fees: None.
Admirals Club®: Free Membership (a value of up to $850), including access for immediate family or up to two guests.
First Checked Bag Free: On domestic American Airlines flights for you and up to 8 companions.
TSA PreCheck® or Global Entry Fee Credit: Up to $100 every 4 years (increases to $120 from October 1st).
Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
25% Savings on Inflight Food and Beverage: When using your card on American Airlines flights.
Vacation Packages Discount: Save 10% on eligible American Airlines vacation packages at AAVacations.com.
Loyalty Points: Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Loyalty Points Bonuses: Earn 10,000 bonus points after reaching 50,000 Loyalty Points, and another 10,000 after reaching 90,000 Loyalty Points in a status year.
Redeem AAdvantage® Miles: For flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.
Lyft Credits: Earn $10 in Lyft credits after taking 3 eligible rides in a month, up to $120 annually.
Avis® and Budget Car Rentals: Earn up to $120 back annually with a $1 statement credit per $1 spent on eligible car rentals.
Grubhub Purchases: Earn up to $120 back annually with $10 monthly statement credits on eligible purchases.
Travel Protection: Includes trip delay, cancellation and interruption protection, car rental insurance, and lost baggage protection.
Citi Entertainment®: Access tickets to thousands of events, including presales and exclusive experiences.
Dedicated Concierge: Get expert help with travel, shopping, dining, household, and entertainment needs.
Other Benefits: Include Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.
Regular APR: 20.74% - 29.74% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This card is ideal if you frequently fly with American Airlines and want lounge access, travel perks, and a generous welcome bonus. It also offers high earning rates on hotels and car rentals, priority airport services, and valuable travel protections.

Ranking score and our rating methodology

With so many credit cards available, finding the most suitable one for your needs can be challenging and frustrating. Our team has developed the credit card ranking system to pick the best offers in each card category and help you make an informed decision.

There are multiple factors to consider when comparing credit cards. We routinely analyze credit cards with the most up-to-date details to identify the top picks of each month.

To derive a single ranking score for every credit card, we factor in sign-up bonus, rewards categories, points and cashback earning structure, available redemption options, interest rates, introductory 0% APR period, annual fee, foreign transaction fee, travel and purchase benefits, various credit card's perks such as TSA pass, access to airport lounges, etc. We also account for the card's simplicity and issuing bank reputation.

We reduce the complex set of credit card parameters into a single objective score and rank the best available credit card offers based on it.

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