My Personal Credit Cards

This card requires Excellent (700+) credit

🛍️ 5x on Apple Pay (worth 5%) (up to $3,000)

🛍️ 5x on Google Pay (worth 5%) (up to $3,000)

🍴 3x on Dining, Gas (worth 3%) (up to $6,000)

🛒 2x on Harris Teeter (worth 2%)

♾️ 1x on Everything Else

Percentages based on 1¢ per Kroger Rewards point

11.99% - 23.99% Purchase APR

11.99% - 23.99% Transfer APR

25.99% Cash Advance APR

$0 Foreign Transaction Fee

60,000 Points

after you spend $5,000 in the first 3 months from account opening

$750 value based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

This card requires Good (650+) credit

✈️ 5x on Lyft (worth 6.25%)

✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)

✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)

✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)

✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)

🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)

🍴 3x on Dining (worth 3.75%)

🛒 3x on Grocery Delivery (worth 3.75%)

🛍️ 3x on Streaming (worth 3.75%)

✈️ 2x on Travel (worth 2.5%)

♾️ 1x on Everything Else

Percentages based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

19.99% - 28.24% Purchase APR

19.99% - 28.24% Transfer APR

29.24% Cash Advance APR

$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

Lyft

Instacart

DoorDash

Peloton

After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee^{<a class="pt-daggerU" data-lh-name="PricingTerms_SapphirePreferred_4" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56014.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a>} with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>

65,000 Points

after you spend $4,000 in the first 4 months from account opening

$975 value based on Jordan's valuation of 1.5¢ per AAdvantage® point

This card requires Good (650+) credit

✈️ 2x on American Air (worth 3%)

⛽ 2x on Gas (worth 3%)

✈️ 2x on Car Rental (worth 3%)

🛍️ 2x on Telecommunication (worth 3%)

♾️ 1x on Everything Else

Percentages based on Jordan's valuation of 1.5¢ per AAdvantage® point

20.24% - 29.24% Purchase APR

29.49% Cash Advance APR

$99 Annual Fee

$10 or 5% Cash Advance Fee, whichever is greater

$0 Foreign Transaction Fee

$41 Late Payment Fee

$41 Return Payment Fee

20,000 Points

after you spend $1,000 in the first 3 months from account opening

$200 value based on 1¢ per Go Far Rewards point

This card requires Excellent (700+) credit

✈️ 3x on Travel (worth 3%)

🍴 3x on Dining (worth 3%)

⛽ 3x on Gas (worth 3%)

🛍️ 3x on Telecommunication (worth 3%)

🛍️ 3x on Streaming (worth 3%)

🛍️ 3x on EV Charging (worth 3%)

♾️ 1x on Everything Else

Percentages based on 1¢ per Go Far Rewards point

20.24% Purchase APR

20.24% - 29.99% Transfer APR

29.99% Cash Advance APR

$0 Annual Fee

150,000 Points

after you spend $8,000 in the first 6 months from account opening

$1,500 value based on 1¢ per Membership Rewards point

This card requires Excellent (700+) credit

✈️ 5x on Airlines (worth 5%)

✈️ 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%)

♾️ 1x on Everything Else

Percentages based on 1¢ per Membership Rewards point

20.24% - 29.24% Purchase APR

29.49% Cash Advance APR

$695 Annual Fee

$10 or 5% Cash Advance Fee, whichever is greater

$0 Foreign Transaction Fee

$40 Late Payment Fee

$40 Return Payment Fee

UBER RIDES WITH PLATINUM™

THE GLOBAL LOUNGE COLLECTION®

$200 Airline Fee Credit

INTERNATIONAL AIRLINE PROGRAM

FEE CREDIT FOR GLOBAL ENTRY OR TSA PRE✓®

The Centurion® Lounge

Fine Hotels & Resorts® Program

The Hotel Collection

PLATINUM TRAVEL SERVICE

MARRIOTT BONVOY™ GOLD ELITE STATUS

Hilton Honors Gold Status

NO FOREIGN TRANSACTION FEES

Car Rental Privileges

Car Rental Loss and Damage Insurance︎

Premium Global Assist® Hotline

TRIP DELAY

TRIP CANCELLATION

SHOP SAKS WITH PLATINUM

PLATINUM CARD® CONCIERGE

BY INVITATION ONLY®

Global Dining Collection

PREFERRED SEATING

Departures Magazine

INCIRCLE®

COMPLIMENTARY ADDITIONAL GOLD CARD

Card Member Services

Experience Membership Together

$250

after you spend $3,000 in the first 3 months from account opening

This card requires Excellent (700+) credit

2x on All (up to $50,000)

♾️ 1x on Everything Else

17.49% - 27.49% Purchase APR

$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

Buy above your credit limit with Expanded Buying Power

Cash Back

Car Rental Loss and Damage Insurance

Global Assist Hotline

Employee Cards

Connect to QuickBooks

Online Statements

Account Manager

Account Alerts

Vendor Pay by Bill.com

Extended Warranty

Purchase Protection

Dispute Resolution

Amex Offers

The best, no annual-fee card that you can have in your wallet. A pretty easy card to acquire and the rotating categories are great! No problems or complaints!

This card requires Good (650+) credit

🍴 5x on Dining, Streaming, Home Improvement from Jan 01 to Mar 31 (up to $1,500)

🛒 5x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $1,500)

🛍️ 5x on Gas, Transit, Home Utility, EV Charging from Jul 01 to Sep 30 (up to $1,500)

🛍️ 5x on Amazon, Target, Amazon Music from Oct 01 to Dec 31 (up to $1,500)

♾️ 1x on Everything Else

18.24% - 27.24% Purchase APR

18.24% - 27.24% Transfer APR

29.24% Cash Advance APR

5% Balance Transfer Fee

$10 or 5% Cash Advance Fee, whichever is greater

$0 Foreign Transaction Fee

$41 Late Payment Fee

$30 Return Payment Fee

Enjoy 5% Cash Back

Unlimited Cashback Match

Redeem with Ease

Freeze it® on/off switch for your account.

FICO® Credit Score for free.

Looking out for you.

100% U.S.-based customer service.

Tap to pay.

This card has some decent benefits for people that barely travel. With some protection, free checked bag, and a companion certificate, the card pays itself if you travel at least once a year. Besides that, the reward multipliers are awful in my opinion.

90,000 Skymiles

after you spend $3,000 in the first 6 months from account opening

$1,080 value based on 1.2¢ per Delta skymile

This card requires Excellent (700+) credit

✈️ 3x on Hotels (worth 3.6%)

✈️ 3x on Delta Air (worth 3.6%)

🍴 2x on Dining (worth 2.4%)

🛒 2x on Grocery (worth 2.4%)

♾️ 1x on Everything Else

Percentages based on 1.2¢ per Delta skymile

20.24% - 29.24% Purchase APR

29.49% Cash Advance APR

$350 Annual Fee

$10 or 5% Cash Advance Fee, whichever is greater

$0 Foreign Transaction Fee

$40 Late Payment Fee

$40 Return Payment Fee

First Checked Bag Free

Annual Companion Certificate

Fee Credit for Global Entry or TSA Pre✓®

$39 DELTA SKY CLUB® ACCESS

Status Boost™

20% Back on In–Flight Purchases

Trip delay Insurance

CAR RENTAL LOSS AND DAMAGE INSURANCE

BAGGAGE INSURANCE PLAN

GLOBAL ASSIST® HOTLINE

NO FOREIGN TRANSACTION FEES

PRIORITY BOARDING

ENTERTAINMENT ACCESS®

Don't Recognize That Charge?

Pay It Plan It®

Additional Cards

This card is great, but the reward multipliers are pretty similar to the Chase Freedom Flex. The only upside is that this card has a 1.5x multiplier for "everything else" which you can double the value if you redeem your Chase Ultimate Rewards correctly.

20,000 Points

after you spend $500 in the first 3 months from account opening

$250 value based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

This card requires Good (650+) credit

✈️ 5x on Lyft (worth 6.25%)

✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)

✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)

✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)

✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)

🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)

🍴 3x on Dining (worth 3.75%)

🛍️ 3x on Drugstore (worth 3.75%)

♾️ 1.5x on Everything Else

Percentages based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

18.99% - 28.49% Purchase APR

18.99% - 28.49% Transfer APR

29.24% Cash Advance APR

$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

Zero Liability Protection

Purchase Protection

Extended Warranty Protection

Trip Cancellation/Interruption Insurance

24/7 Fraud Monitoring

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance Services

After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee^{<a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a>} with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>

20,000 Points

after you spend $500 in the first 3 months from account opening

$250 value based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

This card requires Good (650+) credit

✈️ 5x on Lyft (worth 6.25%)

✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)

✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)

✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)

✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)

🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)

🍴 3x on Dining (worth 3.75%)

🛍️ 3x on Drugstore (worth 3.75%)

🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)

🛒 5x on Whole Foods, Amazon, Streaming (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)

⛽ 5x on Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)

🛍️ 5x on Charity, PayPal, McDonald's, Pet Store, Veterinarian (worth 6.25%) from Oct 01 to Dec 31 (up to $1,500)

♾️ 1x on Everything Else

Percentages based on Jordan's valuation of 1.25¢ per Ultimate Rewards point

18.99% - 28.49% Purchase APR

18.99% - 28.49% Transfer APR

29.24% Cash Advance APR

$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

Zero Liability Protection

Purchase Protection

Extended Warranty Protection

Trip Cancellation/Interruption Insurance

Cell Phone Protection

24/7 Fraud Monitoring

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance Services

The best of your neighborhood.$0 delivery fee.

5% Cash Back on Lyft Rides

After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee^{<a class="pt-daggerU" data-lh-name="PricingTerms_FreedomFlex-56" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56022.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a>} with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>

This card requires Excellent (700+) credit

🍴 3x on Dining

🛒 3x on Grocery

⛽ 3x on Gas

✈️ 2x on Travel

🛍️ 2x on Insurance

🛍️ 2x on AAA

♾️ 1x on Everything Else

The BILT MasterCard is one of the best cards on the market. An absolute steal of a card if you pay rent and also serves as an excellent travel card for those that don't travel often. The BILT points also have unique transfer partners and one of the highest point values.

This card requires Good (650+) credit

✈️ 5x on Lyft (worth 7.5%)

🍴 3x on Dining (worth 4.5%)

✈️ 2x on Travel (worth 3%)

♾️ 1x on Everything Else

Percentages based on Jordan's valuation of 1.5¢ per Bilt Rewards point

20.49% - 28.49% Purchase APR

20.49% - 28.49% Transfer APR

28.24% Cash Advance APR

$0 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