Josh Pugh's Cards

💳 8 cards
Condensed
Compact
Extended

Chase Freedom Unlimited®

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$300 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstores (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

18.74% - 27.49% Purchase APR
18.74% - 27.49% Transfer APR
28.74% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Protection
Fraud Alerts
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$300 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstores (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

18.74% - 27.49% Purchase APR
18.74% - 27.49% Transfer APR
28.74% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Protection
Fraud Alerts
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
🔽 Expand

Apple Card

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

✈️ 3x on Uber
🍴 3x on Panera
🍴 3x on Uber Eats
3x on Exxon
3x on Mobil
🛍️ 3x on Apple
🛍️ 3x on Walgreens
🛍️ 3x on T-Mobile
🛍️ 3x on Nike
🛍️ 2x on Apple Pay
♾️ 1x on Everything Else

Rates

10.99% - 21.99% Purchase APR

Fees

$0 Foreign Transaction Fee
$0 Late Payment Fee

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

✈️ 3x on Uber
🍴 3x on Panera
🍴 3x on Uber Eats
3x on Exxon
3x on Mobil
🛍️ 3x on Apple
🛍️ 3x on Walgreens
🛍️ 3x on T-Mobile
🛍️ 3x on Nike
🛍️ 2x on Apple Pay
♾️ 1x on Everything Else

Rates

10.99% - 21.99% Purchase APR

Fees

$0 Foreign Transaction Fee
$0 Late Payment Fee
🔽 Expand

Chase Sapphire Preferred®

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛒 3x on Grocery Delivery (worth 4.5%)
🛍️ 3x on Streaming (worth 4.5%)
✈️ 2x on Travel (worth 3%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

19.74% - 26.74% Purchase APR
19.74% - 26.74% Transfer APR
28.74% Cash Advance APR

Fees

$95 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Lyft
Instacart
DoorDash
Gopuff

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 7.5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛒 3x on Grocery Delivery (worth 4.5%)
🛍️ 3x on Streaming (worth 4.5%)
✈️ 2x on Travel (worth 3%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

19.74% - 26.74% Purchase APR
19.74% - 26.74% Transfer APR
28.74% Cash Advance APR

Fees

$95 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Lyft
Instacart
DoorDash
Gopuff
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.

Delta SkyMiles® Gold

Sign Up Bonus

40,000 Skymiles
after you spend $2,000 in the first 6 months from account opening
$320 value based on 0.8¢ per Delta skymile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 2x on Grocery (worth 1.6%)
✈️ 2x on Delta Air (worth 1.6%)
🍴 2x on Dining (worth 1.6%)
♾️ 1x on Everything Else
Percentages based on 0.8¢ per Delta skymile

Rates

19.49% - 28.49% Purchase APR
28.99% Cash Advance APR

Fees

$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

First Checked Bag Free
$100 Delta Flight Credit
Pay with Miles
No Foreign Transaction Fees
20% Back on In-Flight Purchases
Priority Boarding
CAR RENTAL LOSS AND DAMAGE INSURANCE
GLOBAL ASSIST® HOTLINE
purchase protection
Extended warranty
ENTERTAINMENT ACCESS®
Fraud Protection
PAY IT PLAN IT®
Additional Cards

Sign Up Bonus

40,000 Skymiles
after you spend $2,000 in the first 6 months from account opening
$320 value based on 0.8¢ per Delta skymile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 2x on Grocery (worth 1.6%)
✈️ 2x on Delta Air (worth 1.6%)
🍴 2x on Dining (worth 1.6%)
♾️ 1x on Everything Else
Percentages based on 0.8¢ per Delta skymile

Rates

19.49% - 28.49% Purchase APR
28.99% Cash Advance APR

Fees

$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

First Checked Bag Free
$100 Delta Flight Credit
Pay with Miles
No Foreign Transaction Fees
20% Back on In-Flight Purchases
Priority Boarding
CAR RENTAL LOSS AND DAMAGE INSURANCE
GLOBAL ASSIST® HOTLINE
purchase protection
Extended warranty
ENTERTAINMENT ACCESS®
Fraud Protection
PAY IT PLAN IT®
Additional Cards
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.

Chase Sapphire Reserve®

Sign Up Bonus

80,000 Points
after you spend $4,000 in the first 3 months from account opening
$1,200 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 15%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 15%)
🍴 10x on Dining (Ultimate Rewards) (worth 15%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

20.74% - 27.74% Purchase APR
20.74% - 27.74% Transfer APR
28.74% Cash Advance APR

Fees

$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Luxury Hotel & Resort Collection℠
Reserved by Sapphire
24/7 access to Customer Service Specialists
Lyft
Gopuff

Sign Up Bonus

80,000 Points
after you spend $4,000 in the first 3 months from account opening
$1,200 value based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 15%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 15%)
🍴 10x on Dining (Ultimate Rewards) (worth 15%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point

Rates

20.74% - 27.74% Purchase APR
20.74% - 27.74% Transfer APR
28.74% Cash Advance APR

Fees

$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Luxury Hotel & Resort Collection℠
Reserved by Sapphire
24/7 access to Customer Service Specialists
Lyft
Gopuff
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.

Blue Cash Everyday®

Sign Up Bonus

$150
after you spend $1 in the first 6 months from account opening

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

🛒 3x on Grocery (up to $6,000)
3x on Gas (up to $6,000)
🛍️ 3x on Online Shopping (up to $6,000)
♾️ 1x on Everything Else

Rates

17.74% - 28.74% Purchase APR
17.74% - 28.74% Transfer APR
28.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
2.7% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Car Rental Loss and Damage Insurance︎
24/7 Global Assist® Hotline
AMERICAN EXPRESS EXPERIENCES
Fraud Protection
Pay It Plan It®
Additional Cards

Sign Up Bonus

$150
after you spend $1 in the first 6 months from account opening

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

🛒 3x on Grocery (up to $6,000)
3x on Gas (up to $6,000)
🛍️ 3x on Online Shopping (up to $6,000)
♾️ 1x on Everything Else

Rates

17.74% - 28.74% Purchase APR
17.74% - 28.74% Transfer APR
28.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
2.7% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Car Rental Loss and Damage Insurance︎
24/7 Global Assist® Hotline
AMERICAN EXPRESS EXPERIENCES
Fraud Protection
Pay It Plan It®
Additional Cards
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.

Delta SkyMiles® Gold

Sign Up Bonus

40,000 Skymiles
after you spend $2,000 in the first 6 months from account opening
$320 value based on 0.8¢ per Delta skymile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 2x on Grocery (worth 1.6%)
✈️ 2x on Delta Air (worth 1.6%)
🍴 2x on Dining (worth 1.6%)
♾️ 1x on Everything Else
Percentages based on 0.8¢ per Delta skymile

Rates

19.49% - 28.49% Purchase APR
28.99% Cash Advance APR

Fees

$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

First Checked Bag Free
$100 Delta Flight Credit
Pay with Miles
No Foreign Transaction Fees
20% Back on In-Flight Purchases
Priority Boarding
CAR RENTAL LOSS AND DAMAGE INSURANCE
GLOBAL ASSIST® HOTLINE
purchase protection
Extended warranty
ENTERTAINMENT ACCESS®
Fraud Protection
PAY IT PLAN IT®
Additional Cards

Sign Up Bonus

40,000 Skymiles
after you spend $2,000 in the first 6 months from account opening
$320 value based on 0.8¢ per Delta skymile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 2x on Grocery (worth 1.6%)
✈️ 2x on Delta Air (worth 1.6%)
🍴 2x on Dining (worth 1.6%)
♾️ 1x on Everything Else
Percentages based on 0.8¢ per Delta skymile

Rates

19.49% - 28.49% Purchase APR
28.99% Cash Advance APR

Fees

$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

First Checked Bag Free
$100 Delta Flight Credit
Pay with Miles
No Foreign Transaction Fees
20% Back on In-Flight Purchases
Priority Boarding
CAR RENTAL LOSS AND DAMAGE INSURANCE
GLOBAL ASSIST® HOTLINE
purchase protection
Extended warranty
ENTERTAINMENT ACCESS®
Fraud Protection
PAY IT PLAN IT®
Additional Cards
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.

Business Platinum

Sign Up Bonus

120,000 Points
after you spend $15,000 in the first 3 months from account opening
$1,200 value based on 1¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

🛍️ 5x on amextravel.com (worth 5%)
🛍️ 1.5x on Home Improvement (worth 1.5%)
🛍️ 1.5x on Electronics (worth 1.5%)
🛍️ 1.5x on Shipping (worth 1.5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point

Rates

17.99% - 25.99% Purchase APR

Fees

$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

The Global Lounge Collection
$200 Airline Fee Credit
$189 CLEAR Credit
35% Airline Bonus
Fine Hotels + Resorts Program
Fee Credit for Global Entry or TSA PreCheck
No Foreign Transaction Fees
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Premium Private Jet Program
Premium Car Rental Privileges
Business Platinum Travel Service
Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Shop Dell Technologies
Build Your Team with Indeed
Adobe Creative Solutions
Wireless Credit
Preferred Access
Car Rental Loss and Damage Insurance
Global Dining Access by Resy
Baggage Insurance Plan
Premium Global Assist Hotline
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Cell Phone Protection
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers

Sign Up Bonus

120,000 Points
after you spend $15,000 in the first 3 months from account opening
$1,200 value based on 1¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

🛍️ 5x on amextravel.com (worth 5%)
🛍️ 1.5x on Home Improvement (worth 1.5%)
🛍️ 1.5x on Electronics (worth 1.5%)
🛍️ 1.5x on Shipping (worth 1.5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point

Rates

17.99% - 25.99% Purchase APR

Fees

$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

The Global Lounge Collection
$200 Airline Fee Credit
$189 CLEAR Credit
35% Airline Bonus
Fine Hotels + Resorts Program
Fee Credit for Global Entry or TSA PreCheck
No Foreign Transaction Fees
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Premium Private Jet Program
Premium Car Rental Privileges
Business Platinum Travel Service
Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Shop Dell Technologies
Build Your Team with Indeed
Adobe Creative Solutions
Wireless Credit
Preferred Access
Car Rental Loss and Damage Insurance
Global Dining Access by Resy
Baggage Insurance Plan
Premium Global Assist Hotline
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Cell Phone Protection
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Powered By MaxRewards
Use Josh's referral code fq86 to get 1 month of MaxRewards Gold for free! Plus: They also get a month of MaxRewards Gold for free!