Joseph Greenbaum's Cards

💳 14 cards
Condensed
Compact
Extended
Apply on American Express
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Platinum®

Joseph's Review

Best rewards card of all!

Sign Up Bonus

100,000 Points
after you spend $6,000 in the first 6 months from account opening
$2,000 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 5x on Airlines (worth 10%)
🛍️ 5x on amextravel.com (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

15.99% - 22.99% Purchase APR
25.24% Cash Advance APR

Fees

$695 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

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

Joseph's Review

Best rewards card of all!

Sign Up Bonus

100,000 Points
after you spend $6,000 in the first 6 months from account opening
$2,000 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 5x on Airlines (worth 10%)
🛍️ 5x on amextravel.com (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

15.99% - 22.99% Purchase APR
25.24% Cash Advance APR

Fees

$695 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

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
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

American Express® Gold

Joseph's Review

Grocery card and dining out.

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🍴 4x on Dining (worth 8%)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
🛍️ 3x on amextravel.com (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

15.99% - 22.99% Purchase APR
25.24% Cash Advance APR

Fees

$250 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Personalized Travel Service
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
ShopRunner
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards

Joseph's Review

Grocery card and dining out.

Sign Up Bonus

60,000 Points
after you spend $4,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🍴 4x on Dining (worth 8%)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
🛍️ 3x on amextravel.com (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

15.99% - 22.99% Purchase APR
25.24% Cash Advance APR

Fees

$250 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Personalized Travel Service
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
ShopRunner
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Business Gold

Joseph's Review

Go to for tech purchases.

Sign Up Bonus

70,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,400 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

☑️ 4x on Choice: Restaurants, Gas Stations, Airfare, Hardware/Software/Cloud, Shipping, Select Media Ads (worth 8%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

14.24% - 22.24% Purchase APR

Fees

$295 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Earning Membership Rewards Points
Redeeming Membership Rewards Points
25% Airline Bonus
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Vendor Pay by Bill.com
Account Manager
Account Alerts
Online Statements
No Foreign Transaction Fees
The Hotel Collection
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Trip Delay Insurance
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service

Joseph's Review

Go to for tech purchases.

Sign Up Bonus

70,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,400 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

☑️ 4x on Choice: Restaurants, Gas Stations, Airfare, Hardware/Software/Cloud, Shipping, Select Media Ads (worth 8%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

14.24% - 22.24% Purchase APR

Fees

$295 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Earning Membership Rewards Points
Redeeming Membership Rewards Points
25% Airline Bonus
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Vendor Pay by Bill.com
Account Manager
Account Alerts
Online Statements
No Foreign Transaction Fees
The Hotel Collection
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Trip Delay Insurance
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Hilton Honors Aspire

Joseph's Review

Love the perks. Diamond and 20 percent back on Hilton.

Sign Up Bonus

150,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Joseph's valuation of 0.6¢ per Hilton Honors point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 14x on Hilton (worth 8.4%)
🍴 7x on Dining (worth 4.2%)
✈️ 7x on Airlines (worth 4.2%)
✈️ 7x on Car Rentals (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point

Rates

15.74% - 24.74% Purchase APR
25.24% Cash Advance APR

Fees

$450 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

COMPLIMENTARY HILTON HONORS DIAMOND STATUS
Weekend Night Rewards
$250 Hilton Resort Statement Credit
$250 Airline Fee Credit
$100 Hilton On-Property Credit
Priority Pass™ Select
No Foreign Transaction Fees
Car Rental Loss and Damage Insurance
PREMIUM GLOBAL ASSIST® HOTLINE
Baggage Insurance Plan︎
Return Protection
Fraud Protection
Pay It Plan It®
Additional Cards

Joseph's Review

Love the perks. Diamond and 20 percent back on Hilton.

Sign Up Bonus

150,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Joseph's valuation of 0.6¢ per Hilton Honors point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 14x on Hilton (worth 8.4%)
🍴 7x on Dining (worth 4.2%)
✈️ 7x on Airlines (worth 4.2%)
✈️ 7x on Car Rentals (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point

Rates

15.74% - 24.74% Purchase APR
25.24% Cash Advance APR

Fees

$450 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

COMPLIMENTARY HILTON HONORS DIAMOND STATUS
Weekend Night Rewards
$250 Hilton Resort Statement Credit
$250 Airline Fee Credit
$100 Hilton On-Property Credit
Priority Pass™ Select
No Foreign Transaction Fees
Car Rental Loss and Damage Insurance
PREMIUM GLOBAL ASSIST® HOTLINE
Baggage Insurance Plan︎
Return Protection
Fraud Protection
Pay It Plan It®
Additional Cards
🔽 Expand

Chase Sapphire Reserve®

Joseph's Review

Great multiplier for UR points.

Sign Up Bonus

50,000 Points
after you spend $4,000 in the first 3 months from account opening
$2,250 value based on Joseph's valuation of 4.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 30%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 30%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 30%)
🍴 10x on Dining (Ultimate Rewards) (worth 30%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 15%)
✈️ 3x on Travel (worth 9%)
🍴 3x on Dining (worth 9%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 4.5¢ per Ultimate Rewards point

Rates

16.99% - 23.99% Purchase APR
16.99% - 23.99% Transfer APR
24.99% 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
Global Entry or TSA PreCheck® Fee Credit
Complimentary Airport Lounge Access
The Luxury Hotel & Resort Collection℠
24/7 access to Customer Service Specialists
Trip Cancellation/Interruption Insurance
Auto Rental Collision Damage Waiver
Lost Luggage Reimbursement
Trip Delay Reimbursement
Emergency Evacuation & Transportation
Purchase Protection
Return Protection
Extended Warranty Protection
Lyft
Complimentary Lyft Membership
Peloton
DoorDash

Joseph's Review

Great multiplier for UR points.

Sign Up Bonus

50,000 Points
after you spend $4,000 in the first 3 months from account opening
$2,250 value based on Joseph's valuation of 4.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 30%)
✈️ 10x on Hotels (Ultimate Rewards) (worth 30%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 30%)
🍴 10x on Dining (Ultimate Rewards) (worth 30%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 15%)
✈️ 3x on Travel (worth 9%)
🍴 3x on Dining (worth 9%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 4.5¢ per Ultimate Rewards point

Rates

16.99% - 23.99% Purchase APR
16.99% - 23.99% Transfer APR
24.99% 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
Global Entry or TSA PreCheck® Fee Credit
Complimentary Airport Lounge Access
The Luxury Hotel & Resort Collection℠
24/7 access to Customer Service Specialists
Trip Cancellation/Interruption Insurance
Auto Rental Collision Damage Waiver
Lost Luggage Reimbursement
Trip Delay Reimbursement
Emergency Evacuation & Transportation
Purchase Protection
Return Protection
Extended Warranty Protection
Lyft
Complimentary Lyft Membership
Peloton
DoorDash
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Blue Business Plus

Joseph's Review

Excellent 2x on everything. Fills in the gaps.

Sign Up Bonus

15,000 Points
after you spend $3,000 in the first 3 months from account opening
$300 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

2x on All (worth 4%) (up to $50,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

13.24% - 19.24% 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

Benefits

Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Relationship Care Service
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers

Joseph's Review

Excellent 2x on everything. Fills in the gaps.

Sign Up Bonus

15,000 Points
after you spend $3,000 in the first 3 months from account opening
$300 value based on Joseph's valuation of 2¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

2x on All (worth 4%) (up to $50,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point

Rates

13.24% - 19.24% 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

Benefits

Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Relationship Care Service
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Amazon Business Prime

Joseph's Review

Great looking card and awesome way to get 5 percent back on Amazon!

Sign Up Bonus

12,500 Points
after you spend $1 in the first month from account opening
$125 value based on 1¢ per Amazon point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
2x on Gas (worth 2%)
🛍️ 2x on Telecommunications (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point

Rates

14.24% - 22.24% Purchase APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Amazon Business Enhanced Data Views
Amazon Shop with Points
No Foreign Transaction Fees
Account Manager
Employee Cards
Connect to QuickBooks
Account Alerts
Online Statements
Vendor Pay by Bill.com
Relationship Care Service
Baggage Insurance Plan
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers

Joseph's Review

Great looking card and awesome way to get 5 percent back on Amazon!

Sign Up Bonus

12,500 Points
after you spend $1 in the first month from account opening
$125 value based on 1¢ per Amazon point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
2x on Gas (worth 2%)
🛍️ 2x on Telecommunications (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point

Rates

14.24% - 22.24% Purchase APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Amazon Business Enhanced Data Views
Amazon Shop with Points
No Foreign Transaction Fees
Account Manager
Employee Cards
Connect to QuickBooks
Account Alerts
Online Statements
Vendor Pay by Bill.com
Relationship Care Service
Baggage Insurance Plan
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Amazon Prime Rewards Visa Signature

Joseph's Review

The OG Amazon card. 5x on everything Amazon.

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
2x on Gas (worth 2%)
🛍️ 2x on Drugstores (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point

Rates

14.24% - 22.24% Purchase APR
14.24% - 22.24% Transfer APR
24.99% 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
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Extended Warranty Protection
Purchase Protection
Baggage Delay Insurance
Zero Liability Protection
Travel Accident Insurance
Lost Luggage Reimbursement
Visa Signature Concierge Service

Joseph's Review

The OG Amazon card. 5x on everything Amazon.

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
2x on Gas (worth 2%)
🛍️ 2x on Drugstores (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point

Rates

14.24% - 22.24% Purchase APR
14.24% - 22.24% Transfer APR
24.99% 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
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee

Benefits

Extended Warranty Protection
Purchase Protection
Baggage Delay Insurance
Zero Liability Protection
Travel Accident Insurance
Lost Luggage Reimbursement
Visa Signature Concierge Service
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Ink Business Cash®

Joseph's Review

Love the 5x on cell phone and internet.

Sign Up Bonus

75,000 Points
after you spend $7,500 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛍️ 5x on Telecommunications, Office Supplies (worth 10%) (up to $25,000)
🍴 2x on Dining, Gas (worth 4%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

13.24% - 19.24% Purchase APR
13.24% - 19.24% Transfer APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection

Joseph's Review

Love the 5x on cell phone and internet.

Sign Up Bonus

75,000 Points
after you spend $7,500 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🛍️ 5x on Telecommunications, Office Supplies (worth 10%) (up to $25,000)
🍴 2x on Dining, Gas (worth 4%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

13.24% - 19.24% Purchase APR
13.24% - 19.24% Transfer APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Ink Business Unlimited®

Joseph's Review

Fills in where the BBP isn't accepted.

Sign Up Bonus

75,000 Points
after you spend $7,500 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

13.24% - 19.24% Purchase APR
13.24% - 19.24% Transfer APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection

Joseph's Review

Fills in where the BBP isn't accepted.

Sign Up Bonus

75,000 Points
after you spend $7,500 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

13.24% - 19.24% Purchase APR
13.24% - 19.24% Transfer APR
24.99% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Benefits

Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Chase Freedom Flex℠

Joseph's Review

Adds some nice perks over freedom. Good for beginners.

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstores (worth 6%)
🛒 5x on Grocery, eBay (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
5x on Gas, Home Improvement (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Streaming (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Walmart, Walmart.com, PayPal (worth 10%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% 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
Cell Phone Protection
24/7 Fraud Monitoring
Fraud Alerts
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Thousands of Restaurants.Zero Delivery Fee.
Earn 5% Cash Back on Lyft Rides
Enhanced! Save on rides with Lyft
Enhanced! $5 off from Fandango
Complimentary Membership
Earn 5% Back

Joseph's Review

Adds some nice perks over freedom. Good for beginners.

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstores (worth 6%)
🛒 5x on Grocery, eBay (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
5x on Gas, Home Improvement (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Streaming (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Walmart, Walmart.com, PayPal (worth 10%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% 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
Cell Phone Protection
24/7 Fraud Monitoring
Fraud Alerts
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Thousands of Restaurants.Zero Delivery Fee.
Earn 5% Cash Back on Lyft Rides
Enhanced! Save on rides with Lyft
Enhanced! $5 off from Fandango
Complimentary Membership
Earn 5% Back
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.

Customized Cash Rewards Visa Signature

Joseph's Review

Easy card to get and hit 3 percent back on all online purchases.

Sign Up Bonus

$200
after you spend $1,000 in the first 3 months from account opening

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

🛒 2x on Grocery, Wholesale Clubs from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else

Rates

13.99% - 23.99% Purchase APR
13.99% - 23.99% Transfer APR
28.99% Cash Advance APR

Fees

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

Benefits

Contactless Chip Technology
Stay Protected
SafePass®
Paperless Statement Option
Account Alerts
FICO® Score
Online & Mobile Banking
Overdraft Protection
Digital Wallet Technology

Joseph's Review

Easy card to get and hit 3 percent back on all online purchases.

Sign Up Bonus

$200
after you spend $1,000 in the first 3 months from account opening

Minimum Credit Requirement

This card requires Rebuilding (600+) credit

Rewards

🛒 2x on Grocery, Wholesale Clubs from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else

Rates

13.99% - 23.99% Purchase APR
13.99% - 23.99% Transfer APR
28.99% Cash Advance APR

Fees

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

Benefits

Contactless Chip Technology
Stay Protected
SafePass®
Paperless Statement Option
Account Alerts
FICO® Score
Online & Mobile Banking
Overdraft Protection
Digital Wallet Technology
🔽 Expand

Venmo Debit

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

♾️ 0x on Everything Else

Rates

Fees

$0 Annual Fee

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

♾️ 0x on Everything Else

Rates

Fees

$0 Annual Fee
🔽 Expand

Cash App Debit

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

♾️ 0x on Everything Else

Rates

Fees

$0 Annual Fee

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

♾️ 0x on Everything Else

Rates

Fees

$0 Annual Fee
🔽 Expand
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