Joseph Greenbaum's Cards

💳 18 cards
Condensed
Compact
Extended

Chase Sapphire Reserve®

Sign Up Bonus

60,000 Points
after you spend $4,000 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

22.49% - 29.49% Purchase APR
22.49% - 29.49% Transfer APR
29.99% 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
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 $4,000 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

22.49% - 29.49% Purchase APR
22.49% - 29.49% Transfer APR
29.99% 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
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 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

18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% 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 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

18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% 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 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

18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% 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 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

18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% 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 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

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

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 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 Drugstores (worth 6%)
✈️ 9x on Hotels (chase.com/travel) (worth 18%) from Apr 01 to Jun 30 (up to $1,500)
🍴 7x on Dining (worth 14%) from Apr 01 to Jun 30 (up to $1,500)
✈️ 5x on Hotels, Amazon (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% 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
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 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 Drugstores (worth 6%)
✈️ 9x on Hotels (chase.com/travel) (worth 18%) from Apr 01 to Jun 30 (up to $1,500)
🍴 7x on Dining (worth 14%) from Apr 01 to Jun 30 (up to $1,500)
✈️ 5x on Hotels, Amazon (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point

Rates

20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% 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
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

AAdvantage® Aviator® Mastercard®

Minimum Credit Requirement

This card requires Excellent (700+) 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 Excellent (700+) 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 Clubs 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 Clubs 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 Clubs 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 Clubs 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

19.24% - 29.24% Purchase APR
19.24% - 29.24% Transfer APR
29.24% 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 Clubs 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 Clubs 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 Clubs 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 Clubs 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

19.24% - 29.24% Purchase APR
19.24% - 29.24% Transfer APR
29.24% 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
21.24% - 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

Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
go free Faster
Redeem your points for free nights
Complimentary Employee Cards
Cell phone protection
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
21.24% - 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

Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
go free Faster
Redeem your points for free nights
Complimentary Employee Cards
Cell phone protection
Visa SavingsEdge
Extended Warranty protection
No foreign transaction fees
$0 Fraud Liability protection
Contactless Technology
Barclays Celebrates Small Business
🔽 Expand
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

95,000 Points
after you spend $6,000 in the first 6 months from account opening
$665 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

20.99% - 29.99% Purchase APR
29.99% 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

95,000 Points
after you spend $6,000 in the first 6 months from account opening
$665 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

20.99% - 29.99% Purchase APR
29.99% 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
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

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, 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%)
✈️ 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

19.49% - 28.49% 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

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, 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%)
✈️ 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

19.49% - 28.49% 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.
Apply on American Express
👆 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

19.49% - 28.49% 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

19.49% - 28.49% 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
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.

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

21.24% - 29.24% Purchase APR
29.99% 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

21.24% - 29.24% Purchase APR
29.99% 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.

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
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

90,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,800 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 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

21.24% - 29.24% Purchase APR
29.99% 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
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

90,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,800 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 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

21.24% - 29.24% Purchase APR
29.99% 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
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
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.

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

20.99% - 29.99% Purchase APR
29.99% 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

20.99% - 29.99% Purchase APR
29.99% 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
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.

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

18.49% - 26.49% 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

18.49% - 26.49% 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

19.49% - 27.49% Purchase APR
29.99% 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
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

19.49% - 27.49% Purchase APR
29.99% 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
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

🛍️ 100x on Netflix (worth 100%) (up to $14)
🛍️ 100x on Spotify (worth 100%) (up to $13)
♾️ 2x 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

🛍️ 100x on Netflix (worth 100%) (up to $14)
🛍️ 100x on Spotify (worth 100%) (up to $13)
♾️ 2x on Everything Else
Percentages based on 1¢ per CRO Rewards point

Rates

Fees

🔽 Expand
Powered By MaxRewards
Use Joseph's referral code josephg2252 to get 1 month of MaxRewards Gold for free! Plus: They also get a month of MaxRewards Gold for free!