Joseph Greenbaum's Cards
💳 22 cards
Condensed
Compact
Extended
AAdvantage® Aviator® Mastercard®
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 1x on American Air (worth 1%)
♾️ 50x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
Fees
$0 Annual Fee
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 1x on American Air (worth 1%)
♾️ 50x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
Fees
$0 Annual Fee
🔽 Expand
Bank of America® Customized Cash Rewards
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛒 2x on Grocery, Wholesale Club from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛒 2x on Grocery, Wholesale Club from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Club from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas & EV Charging, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Wyndham Rewards Earner® Business
Sign Up Bonus
50,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1.2¢ per Wyndham point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Wyndham (worth 9.6%)
⛽ 8x on Gas (worth 9.6%)
🛍️ 5x on Advertisements (worth 6%)
🛍️ 5x on Home Utilities (worth 6%)
♾️ 1x on Everything Else
Percentages based on 1.2¢ per Wyndham point
Rates
0.00% - 29.99% Purchase APR
20.24% - 29.99% Transfer APR
29.99% Cash Advance APR
Fees
$95 Annual Fee
$0 Foreign Transaction Fee
$19 Late Payment Fee
$39 Return Payment Fee
Benefits
Earn up to 75,000 bonus points, enough for up to 10 free nights
Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
Earn Free Nights Faster
Redeem your points for free nights
Complimentary Employee Cards
Visa SavingsEdge
Extended Warranty protection
No foreign transaction fees
$0 Fraud Liability protection
Contactless Technology
Barclays Celebrates Small Business
Sign Up Bonus
50,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1.2¢ per Wyndham point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Wyndham (worth 9.6%)
⛽ 8x on Gas (worth 9.6%)
🛍️ 5x on Advertisements (worth 6%)
🛍️ 5x on Home Utilities (worth 6%)
♾️ 1x on Everything Else
Percentages based on 1.2¢ per Wyndham point
Rates
0.00% - 29.99% Purchase APR
20.24% - 29.99% Transfer APR
29.99% Cash Advance APR
Fees
$95 Annual Fee
$0 Foreign Transaction Fee
$19 Late Payment Fee
$39 Return Payment Fee
Benefits
Earn up to 75,000 bonus points, enough for up to 10 free nights
Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
Earn Free Nights Faster
Redeem your points for free nights
Complimentary Employee Cards
Visa SavingsEdge
Extended Warranty protection
No foreign transaction fees
$0 Fraud Liability protection
Contactless Technology
Barclays Celebrates Small Business
🔽 Expand
Chase Freedom Flex®
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 (chase.com/travel) (worth 10%)
✈️ 5x on Hotels (chase.com/travel) (worth 10%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 10%)
✈️ 5x on Cruises (chase.com/travel) (worth 10%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstore (worth 6%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (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
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
Benefits
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<sup><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></sup> 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>
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 (chase.com/travel) (worth 10%)
✈️ 5x on Hotels (chase.com/travel) (worth 10%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 10%)
✈️ 5x on Cruises (chase.com/travel) (worth 10%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstore (worth 6%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (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
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
Benefits
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<sup><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></sup> 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>
🔽 Expand
Chase Sapphire Reserve®
Sign Up Bonus
60,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 10x on Lyft (worth 20%)
✈️ 10x on Hotels (chase.com/travel) (worth 20%)
✈️ 10x on Car Rentals (chase.com/travel) (worth 20%)
🍴 10x on Dining (dining.chase.com) (worth 20%)
✈️ 5x on Air Travel (chase.com/travel) (worth 10%)
✈️ 3x on Travel (worth 6%)
🍴 3x on Dining (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% 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 Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton
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<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphireReserve_37" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56007.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> 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>
Sign Up Bonus
60,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 10x on Lyft (worth 20%)
✈️ 10x on Hotels (chase.com/travel) (worth 20%)
✈️ 10x on Car Rentals (chase.com/travel) (worth 20%)
🍴 10x on Dining (dining.chase.com) (worth 20%)
✈️ 5x on Air Travel (chase.com/travel) (worth 10%)
✈️ 3x on Travel (worth 6%)
🍴 3x on Dining (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% 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 Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton
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<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphireReserve_37" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56007.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> 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>
🔽 Expand
Ink Business Preferred®
Sign Up Bonus
90,000 Points
after you spend $8,000 in the first 3 months from account opening
$1,800 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%)
🛍️ 3x on Travel, Telecommunications, Shipping, Advertisements (worth 6%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
20.24% - 26.24% Purchase APR
20.24% - 26.24% Transfer APR
29.24% Cash Advance APR
Fees
$95 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Gift Cards
Apple® Ultimate Rewards Store
Travel
1:1 Points Transfer
Trip Cancellation/Trip Interruption Insurance
Roadside Dispatch
Auto Rental Collision Damage Waiver
Cell Phone Protection
Purchase Protection
Extended Warranty Protection
Sign Up Bonus
90,000 Points
after you spend $8,000 in the first 3 months from account opening
$1,800 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%)
🛍️ 3x on Travel, Telecommunications, Shipping, Advertisements (worth 6%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
20.24% - 26.24% Purchase APR
20.24% - 26.24% Transfer APR
29.24% Cash Advance APR
Fees
$95 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Gift Cards
Apple® Ultimate Rewards Store
Travel
1:1 Points Transfer
Trip Cancellation/Trip Interruption Insurance
Roadside Dispatch
Auto Rental Collision Damage Waiver
Cell Phone Protection
Purchase Protection
Extended Warranty Protection
🔽 Expand
The Ritz-Carlton™
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 3x on Dining (worth 2.1%)
✈️ 3x on Airlines (worth 2.1%)
✈️ 3x on Car Rentals (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
Benefits
Earn a Free Night Certificate every year
Automatic Gold Elite status
15 Elite Night Credits
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 3x on Dining (worth 2.1%)
✈️ 3x on Airlines (worth 2.1%)
✈️ 3x on Car Rentals (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
Benefits
Earn a Free Night Certificate every year
Automatic Gold Elite status
15 Elite Night Credits
🔽 Expand
Ink Business Cash®
Sign Up Bonus
35,000 Points
after you spend $3,000 in the first 3 months from account opening
$700 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
🛍️ 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
17.49% - 25.49% Purchase APR
17.49% - 25.49% Transfer APR
29.24% 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
Sign Up Bonus
35,000 Points
after you spend $3,000 in the first 3 months from account opening
$700 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
🛍️ 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
17.49% - 25.49% Purchase APR
17.49% - 25.49% Transfer APR
29.24% 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
Ink Business Unlimited®
Sign Up Bonus
75,000 Points
after you spend $6,000 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 Lyft (worth 10%)
♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
17.49% - 23.49% Purchase APR
17.49% - 23.49% Transfer APR
29.24% 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
Sign Up Bonus
75,000 Points
after you spend $6,000 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 Lyft (worth 10%)
♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
17.49% - 23.49% Purchase APR
17.49% - 23.49% Transfer APR
29.24% 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
Citi® / AAdvantage Business™ World Elite Mastercard®
Sign Up Bonus
75,000 Points
after you spend $5,000 in the first 5 months from account opening
$750 value based on 1¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on American Air (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Car Rentals (worth 2%)
🛍️ 2x on Telecommunications (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$41 Return Payment Fee
Benefits
First Checked Bag Free
Preferred Boarding on American Airlines flights
25% Savings on Inflight Food and Beverage
25% Savings on Inflight Wi-fi
Earn AAdvantage® miles for your business on employee purchases
Sign Up Bonus
75,000 Points
after you spend $5,000 in the first 5 months from account opening
$750 value based on 1¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on American Air (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Car Rentals (worth 2%)
🛍️ 2x on Telecommunications (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$99 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$41 Return Payment Fee
Benefits
First Checked Bag Free
Preferred Boarding on American Airlines flights
25% Savings on Inflight Food and Beverage
25% Savings on Inflight Wi-fi
Earn AAdvantage® miles for your business on employee purchases
🔽 Expand
Citi®/AAdvantage® Executive World Elite Mastercard®
Sign Up Bonus
70,000 Points
after you spend $7,000 in the first 3 months from account opening
$700 value based on 1¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 10x on Car Rentals (aa.com/cars) (worth 10%)
✈️ 10x on Hotels (aa.com/hotels) (worth 10%)
✈️ 4x on American Air (worth 4%)
♾️ 1x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
20.24% - 29.24% Purchase APR
20.24% - 29.24% Transfer APR
29.49% Cash Advance APR
Fees
$595 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$41 Return Payment Fee
Benefits
Up to $120 in Lyft Credits
Up to $120 Back on Eligible Grubhub purchases
Up to $120 Back on Eligible Prepaid Avis® and Budget Car Rentals
Citi Entertainment®
First Checked Bag Free
Enhanced Airport Experience
TSA PreCheck® or Global Entry Application Fee Credit
25% Savings on Inflight Food and Beverage
$0 Liability on Unauthorized Charges
Sign Up Bonus
70,000 Points
after you spend $7,000 in the first 3 months from account opening
$700 value based on 1¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 10x on Car Rentals (aa.com/cars) (worth 10%)
✈️ 10x on Hotels (aa.com/hotels) (worth 10%)
✈️ 4x on American Air (worth 4%)
♾️ 1x on Everything Else
Percentages based on 1¢ per AAdvantage® point
Rates
20.24% - 29.24% Purchase APR
20.24% - 29.24% Transfer APR
29.49% Cash Advance APR
Fees
$595 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$41 Return Payment Fee
Benefits
Up to $120 in Lyft Credits
Up to $120 Back on Eligible Grubhub purchases
Up to $120 Back on Eligible Prepaid Avis® and Budget Car Rentals
Citi Entertainment®
First Checked Bag Free
Enhanced Airport Experience
TSA PreCheck® or Global Entry Application Fee Credit
25% Savings on Inflight Food and Beverage
$0 Liability on Unauthorized Charges
🔽 Expand
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👆 If you apply with this link and are approved, Joseph 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
$3,000 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
🛍️ 1.5x on Home Improvement (worth 3%)
🛍️ 1.5x on Electronics (worth 3%)
🛍️ 1.5x on Shipping (worth 3%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 27.49% 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 Plus Credit
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 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
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$3,000 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
🛍️ 1.5x on Home Improvement (worth 3%)
🛍️ 1.5x on Electronics (worth 3%)
🛍️ 1.5x on Shipping (worth 3%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 27.49% 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 Plus Credit
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 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
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👆 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.
Marriott Bonvoy Brilliant® American Express®
Sign Up Bonus
185,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,295 value based on 0.7¢ per Marriott point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 3x on Dining (worth 2.1%)
✈️ 3x on Airlines (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$650 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$300 Marriott Bonvoy Statement Credit
FREE NIGHT AWARD
$100 MARRIOTT BONVOY PROPERTY CREDIT
15 ELITE NIGHT CREDITS
PRIORITY PASS™ SELECT
Fee Credit for Global Entry or TSA Pre✓®
NO FOREIGN TRANSACTION FEES
Premium Internet Access
Car Rental Loss and Damage Insurance
Premium Global Assist® Hotline
TRIP CANCELLATION AND INTERRUPTION INSURANCE
Baggage Insurance Plan
TRIP DELAY INSURANCE
Return Protection
AMERICAN EXPRESS EXPERIENCES
PURCHASE PROTECTION
EXTENDED WARRANTY
Fraud Protection
Sign Up Bonus
185,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,295 value based on 0.7¢ per Marriott point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 3x on Dining (worth 2.1%)
✈️ 3x on Airlines (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$650 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$300 Marriott Bonvoy Statement Credit
FREE NIGHT AWARD
$100 MARRIOTT BONVOY PROPERTY CREDIT
15 ELITE NIGHT CREDITS
PRIORITY PASS™ SELECT
Fee Credit for Global Entry or TSA Pre✓®
NO FOREIGN TRANSACTION FEES
Premium Internet Access
Car Rental Loss and Damage Insurance
Premium Global Assist® Hotline
TRIP CANCELLATION AND INTERRUPTION INSURANCE
Baggage Insurance Plan
TRIP DELAY INSURANCE
Return Protection
AMERICAN EXPRESS EXPERIENCES
PURCHASE PROTECTION
EXTENDED WARRANTY
Fraud Protection
🔽 Expand
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👆 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
Sign Up Bonus
100,000 Points
after you spend $15,000 in the first 3 months from account opening
$2,000 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, Transit, Hardware/Software/Cloud, Wireless Phone Services, Select Media Ads (worth 8%) (up to $150,000)
✈️ 3x on Air Travel (amextravel.com) (worth 6%)
✈️ 3x on Hotels (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 27.49% Purchase APR
Fees
$375 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
$240 Flexible Business Credit
$155 Walmart+ Credit
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
Cell Phone Protection
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service
Sign Up Bonus
100,000 Points
after you spend $15,000 in the first 3 months from account opening
$2,000 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, Transit, Hardware/Software/Cloud, Wireless Phone Services, Select Media Ads (worth 8%) (up to $150,000)
✈️ 3x on Air Travel (amextravel.com) (worth 6%)
✈️ 3x on Hotels (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 27.49% Purchase APR
Fees
$375 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
$240 Flexible Business Credit
$155 Walmart+ Credit
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
Cell Phone Protection
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service
🔽 Expand
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👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Bonvoy Business Amex
Sign Up Bonus
3 Points
after you spend $6,000 in the first 6 months from account opening
$0 value based on 0.7¢ per Marriott point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 4x on Dining (worth 2.8%)
⛽ 4x on Gas (worth 2.8%)
🛍️ 4x on Telecommunications (worth 2.8%)
🛍️ 4x on Shipping (worth 2.8%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
19.99% - 28.99% Purchase APR
29.49% Cash Advance APR
Fees
$125 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Marriott Bonvoy Room Rate Discount
Earn & Redeem Free Nights
Elite Night Credits
Marriott Bonvoy Air+Car Transfer Program
Complimentary Marriott Bonvoy Gold Elite Status
Premium Internet Access
No Foreign Transaction Fees
Be a Marriott Bonvoy Business Member
Baggage Insurance Plan
Global Assist Hotline
Car Rental Loss and Damage Insurance
Employee Cards
Connect to QuickBooks
Account Manager
Account Alerts
Online Statements
Vendor Pay by Bill.com
Extended Warranty
Purchase Protection
Amex Offers
Dispute Resolution
Sign Up Bonus
3 Points
after you spend $6,000 in the first 6 months from account opening
$0 value based on 0.7¢ per Marriott point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 6x on Marriott (worth 4.2%)
🍴 4x on Dining (worth 2.8%)
⛽ 4x on Gas (worth 2.8%)
🛍️ 4x on Telecommunications (worth 2.8%)
🛍️ 4x on Shipping (worth 2.8%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
19.99% - 28.99% Purchase APR
29.49% Cash Advance APR
Fees
$125 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Marriott Bonvoy Room Rate Discount
Earn & Redeem Free Nights
Elite Night Credits
Marriott Bonvoy Air+Car Transfer Program
Complimentary Marriott Bonvoy Gold Elite Status
Premium Internet Access
No Foreign Transaction Fees
Be a Marriott Bonvoy Business Member
Baggage Insurance Plan
Global Assist Hotline
Car Rental Loss and Damage Insurance
Employee Cards
Connect to QuickBooks
Account Manager
Account Alerts
Online Statements
Vendor Pay by Bill.com
Extended Warranty
Purchase Protection
Amex Offers
Dispute Resolution
🔽 Expand
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👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Platinum
Joseph's Review
Best rewards card of all!
Sign Up Bonus
125,000 Points
after you spend $8,000 in the first 6 months from account opening
$2,500 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 Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.24% - 29.24% Purchase APR
29.49% 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
125,000 Points
after you spend $8,000 in the first 6 months from account opening
$2,500 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 Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.24% - 29.24% Purchase APR
29.49% 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
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👆 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.
Charles Schwab Platinum
Joseph's Review
Same as Vanilla. Allows better cash out redemption to Schwab Brokerage.
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 Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
Fees
$695 Annual Fee
Benefits
$200 Hotel Credit
$240 Digital Entertainment Credit
$155 Walmart+ Credit
$200 Uber Cash
$200 Airline Fee Credit
$300 with Equinox
$179 with CLEAR®
Global Dining Access by Resy
Joseph's Review
Same as Vanilla. Allows better cash out redemption to Schwab Brokerage.
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 Air Travel (amextravel.com) (worth 10%)
✈️ 5x on Hotels (amextravel.com) (worth 10%)
✈️ 5x on Car Rentals (amextravel.com) (worth 10%)
✈️ 5x on Cruises (amextravel.com) (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
Fees
$695 Annual Fee
Benefits
$200 Hotel Credit
$240 Digital Entertainment Credit
$155 Walmart+ Credit
$200 Uber Cash
$200 Airline Fee Credit
$300 with Equinox
$179 with CLEAR®
Global Dining Access by Resy
🔽 Expand
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👆 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
75,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,500 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%) (up to $50,000)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
✈️ 3x on Air Travel (amextravel.com) (worth 6%)
✈️ 3x on Hotels (amextravel.com) (worth 6%)
✈️ 3x on Car Rentals (amextravel.com) (worth 6%)
✈️ 3x on Cruises (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$325 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
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
Joseph's Review
Grocery card and dining out.
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,500 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%) (up to $50,000)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
✈️ 3x on Air Travel (amextravel.com) (worth 6%)
✈️ 3x on Hotels (amextravel.com) (worth 6%)
✈️ 3x on Car Rentals (amextravel.com) (worth 6%)
✈️ 3x on Cruises (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.24% - 29.24% Purchase APR
29.49% Cash Advance APR
Fees
$325 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
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
🔽 Expand
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👆 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.
Hilton Honors Aspire
Joseph's Review
Love the perks. Diamond and 20 percent back on Hilton.
Sign Up Bonus
175,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,050 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
19.99% - 28.99% Purchase APR
29.49% Cash Advance APR
Fees
$550 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
Annual Free Night Reward
$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
175,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,050 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
19.99% - 28.99% Purchase APR
29.49% Cash Advance APR
Fees
$550 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
Annual Free Night Reward
$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
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👆 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.
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
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
Benefits
Buy above your credit limit with Expanded Buying Power
Membership Rewards Points
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
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
Benefits
Buy above your credit limit with Expanded Buying Power
Membership Rewards Points
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
18.49% - 26.49% Purchase APR
29.24% 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
Online Statements
Vendor Pay by Bill.com
Relationship Care Service
Baggage Insurance Plan
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
18.49% - 26.49% Purchase APR
29.24% 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
Online Statements
Vendor Pay by Bill.com
Relationship Care Service
Baggage Insurance Plan
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.
Crypto.com Royal Indigo & Jade Green
Joseph's Review
Go to for free Netflix and Spotify. Https://myaz.tech/crypto
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛍️ 50x on Netflix (worth 50%) (up to $14)
🛍️ 50x on Spotify (worth 50%) (up to $13)
♾️ 3.5x on Everything Else
Percentages based on 1¢ per CRO Rewards point
Rates
Fees
Joseph's Review
Go to for free Netflix and Spotify. Https://myaz.tech/crypto
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛍️ 50x on Netflix (worth 50%) (up to $14)
🛍️ 50x on Spotify (worth 50%) (up to $13)
♾️ 3.5x on Everything Else
Percentages based on 1¢ per CRO Rewards point
Rates
Fees
🔽 Expand
