Josh Pugh's Cards
💳 8 cards
Condensed
Compact
Extended
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
Apply on Chase
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
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 (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point
Rates
18.99% - 28.49% Purchase APR
18.99% - 28.49% Transfer APR
29.24% 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
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 (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Josh's valuation of 1.5¢ per Ultimate Rewards point
Rates
18.99% - 28.49% Purchase APR
18.99% - 28.49% Transfer APR
29.24% 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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Chase Sapphire Reserve®
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$750 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 Hotel (chase.com/travel) (worth 15%)
✈️ 10x on Car Rental (chase.com/travel) (worth 15%)
🍴 10x on Dining (dining.chase.com) (worth 15%)
✈️ 5x on Air Travel (chase.com/travel) (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
20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% Cash Advance APR
Fees
$795 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
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$750 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 Hotel (chase.com/travel) (worth 15%)
✈️ 10x on Car Rental (chase.com/travel) (worth 15%)
🍴 10x on Dining (dining.chase.com) (worth 15%)
✈️ 5x on Air Travel (chase.com/travel) (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
20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% Cash Advance APR
Fees
$795 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
🔽 Expand
Apply on Chase
👆 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
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$1,500 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 5%)
✈️ 5x on Hotel (amextravel.com) (worth 5%)
✈️ 5x on Car Rental (amextravel.com) (worth 5%)
✈️ 5x on Cruise (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
18.49% - 29.24% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Sign Up Bonus
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$1,500 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 5%)
✈️ 5x on Hotel (amextravel.com) (worth 5%)
✈️ 5x on Car Rental (amextravel.com) (worth 5%)
✈️ 5x on Cruise (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
18.49% - 29.24% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 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.
Blue Business Cash(TM)
Sign Up Bonus
$250
after you spend $3,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
2x on All (up to $50,000)
♾️ 1x on Everything Else
Rates
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Sign Up Bonus
$250
after you spend $3,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
2x on All (up to $50,000)
♾️ 1x on Everything Else
Rates
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
Chase Sapphire Preferred®
Sign Up Bonus
60,000 Points
after you spend $5,000 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 (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (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
19.99% - 28.24% Purchase APR
19.99% - 28.24% Transfer APR
29.24% 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
Sign Up Bonus
60,000 Points
after you spend $5,000 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 (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (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
19.99% - 28.24% Purchase APR
19.99% - 28.24% Transfer APR
29.24% 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
🔽 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
$250
after you spend $2,000 in the first 6 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) 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
20.24% - 29.24% Purchase APR
20.24% - 29.24% Transfer APR
29.49% 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
Sign Up Bonus
$250
after you spend $2,000 in the first 6 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) 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
20.24% - 29.24% Purchase APR
20.24% - 29.24% Transfer APR
29.49% 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
🔽 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
80,000 Skymiles
after you spend $3,000 in the first 6 months from account opening
$960 value based on 1.2¢ per Delta skymile
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🛒 2x on Grocery (worth 2.4%)
✈️ 2x on Delta Air (worth 2.4%)
🍴 2x on Dining (worth 2.4%)
♾️ 1x on Everything Else
Percentages based on 1.2¢ per Delta skymile
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$150 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Sign Up Bonus
80,000 Skymiles
after you spend $3,000 in the first 6 months from account opening
$960 value based on 1.2¢ per Delta skymile
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🛒 2x on Grocery (worth 2.4%)
✈️ 2x on Delta Air (worth 2.4%)
🍴 2x on Dining (worth 2.4%)
♾️ 1x on Everything Else
Percentages based on 1.2¢ per Delta skymile
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$150 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Josh may earn a referral bonus.
