Joseph Greenbaum's Cards
💳 34 cards
Condensed
Compact
Extended
AAdvantage® Aviator® Mastercard®
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 1x on American Air (worth 1.25%)
♾️ 50x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ per AAdvantage® point
Rates
Fees
$0 Annual Fee
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 1x on American Air (worth 1.25%)
♾️ 50x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ 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
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Wyndham (worth 9.6%)
⛽ 8x on Gas (worth 9.6%)
🛍️ 5x on Advertisement (worth 6%)
🛍️ 5x on Home Utility (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
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Wyndham (worth 9.6%)
⛽ 8x on Gas (worth 9.6%)
🛍️ 5x on Advertisement (worth 6%)
🛍️ 5x on Home Utility (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
🔽 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 Hotel (chase.com/travel) (worth 10%)
✈️ 5x on Car Rental (chase.com/travel) (worth 10%)
✈️ 5x on Cruise (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, Gym, 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 Instacart, Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, 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
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 Hotel (chase.com/travel) (worth 10%)
✈️ 5x on Car Rental (chase.com/travel) (worth 10%)
✈️ 5x on Cruise (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, Gym, 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 Instacart, Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, 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
🔽 Expand
Chase Sapphire Reserve®
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,000 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 Hotel (chase.com/travel) (worth 20%)
✈️ 10x on Car Rental (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
$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,000 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 Hotel (chase.com/travel) (worth 20%)
✈️ 10x on Car Rental (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
$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
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, Telecommunication, Shipping, Advertisement (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
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, Telecommunication, Shipping, Advertisement (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
🔽 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 Rental (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
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 Rental (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
🔽 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 Telecommunication, Office Supply (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
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 Telecommunication, Office Supply (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
🔽 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
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
🔽 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, Telecommunication, Shipping, Advertisement (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
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, Telecommunication, Shipping, Advertisement (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
🔽 Expand
Bank of America® Premium Rewards®
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Travel (worth 2%)
🍴 2x on Dining (worth 2%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
20.24% - 28.24% Purchase APR
20.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$95 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Travel (worth 2%)
🍴 2x on Dining (worth 2%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
20.24% - 28.24% Purchase APR
20.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$95 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Premium Rewards Visa Signature
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Travel (worth 2%)
🍴 2x on Dining (worth 2%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
20.24% - 28.24% Purchase APR
20.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$95 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Travel (worth 2%)
🍴 2x on Dining (worth 2%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
20.24% - 28.24% Purchase APR
20.24% - 28.24% Transfer APR
28.24% Cash Advance APR
Fees
$95 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Citi® / AAdvantage Business™ World Elite Mastercard®
Sign Up Bonus
65,000 Points
after you spend $4,000 in the first 4 months from account opening
$813 value based on Joseph's valuation of 1.25¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on American Air (worth 2.5%)
⛽ 2x on Gas (worth 2.5%)
✈️ 2x on Car Rental (worth 2.5%)
🛍️ 2x on Telecommunication (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ 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
Sign Up Bonus
65,000 Points
after you spend $4,000 in the first 4 months from account opening
$813 value based on Joseph's valuation of 1.25¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on American Air (worth 2.5%)
⛽ 2x on Gas (worth 2.5%)
✈️ 2x on Car Rental (worth 2.5%)
🛍️ 2x on Telecommunication (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ 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
🔽 Expand
Citi®/AAdvantage® Executive World Elite Mastercard®
Sign Up Bonus
100,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,250 value based on Joseph's valuation of 1.25¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 10x on Car Rental (aa.com/cars) (worth 12.5%)
✈️ 10x on Hotel (aa.com/hotels) (worth 12.5%)
✈️ 4x on American Air (worth 5%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ 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
Sign Up Bonus
100,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,250 value based on Joseph's valuation of 1.25¢ per AAdvantage® point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 10x on Car Rental (aa.com/cars) (worth 12.5%)
✈️ 10x on Hotel (aa.com/hotels) (worth 12.5%)
✈️ 4x on American Air (worth 5%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 1.25¢ 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
🔽 Expand
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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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% - 29.24% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Sign Up Bonus
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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% - 29.24% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, 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
100,000 Points
after you spend $6,000 in the first 6 months from account opening
$700 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
Sign Up Bonus
100,000 Points
after you spend $6,000 in the first 6 months from account opening
$700 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
🔽 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
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 Hotel (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 29.24% Purchase APR
Fees
$375 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
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 Hotel (amextravel.com) (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
18.49% - 29.24% Purchase APR
Fees
$375 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, 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 Telecommunication (worth 2.8%)
🛍️ 4x on Shipping (worth 2.8%)
♾️ 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
$125 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
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 Telecommunication (worth 2.8%)
🛍️ 4x on Shipping (worth 2.8%)
♾️ 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
$125 Annual Fee
$5 or 3% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
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, Telecommunication, Shipping, Advertisement (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
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, Telecommunication, Shipping, Advertisement (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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Ink Business 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, Telecommunication, Shipping, Advertisement (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
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, Telecommunication, Shipping, Advertisement (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
🔽 Expand
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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
80,000 Points
after you spend $8,000 in the first 6 months from account opening
$1,600 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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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
Joseph's Review
Best rewards card of all!
Sign Up Bonus
80,000 Points
after you spend $8,000 in the first 6 months from account opening
$1,600 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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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
🔽 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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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
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 Hotel (amextravel.com) (worth 10%)
✈️ 5x on Car Rental (amextravel.com) (worth 10%)
✈️ 5x on Cruise (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
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
American Express Gold
Joseph's Review
Grocery card and dining out.
Sign Up Bonus
60,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 8%) (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 Hotel (amextravel.com) (worth 6%)
✈️ 3x on Car Rental (amextravel.com) (worth 6%)
✈️ 3x on Cruise (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
Joseph's Review
Grocery card and dining out.
Sign Up Bonus
60,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 8%) (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 Hotel (amextravel.com) (worth 6%)
✈️ 3x on Car Rental (amextravel.com) (worth 6%)
✈️ 3x on Cruise (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
🔽 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 Rental (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point
Rates
20.24% - 29.24% 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
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 Rental (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point
Rates
20.24% - 29.24% 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
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Chase Sapphire Reserve®
Joseph's Review
Great multiplier for UR points.
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,000 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 Hotel (chase.com/travel) (worth 20%)
✈️ 10x on Car Rental (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
$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Joseph's Review
Great multiplier for UR points.
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$1,000 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 Hotel (chase.com/travel) (worth 20%)
✈️ 10x on Car Rental (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
$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, 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
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
🔽 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 Telecommunication (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
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 Telecommunication (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
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Prime Visa
Joseph's Review
The OG Amazon card. 5x on everything Amazon.
Sign Up Bonus
200 Points
after you spend $1 in the first month from account opening
$2 value based on 1¢ per Amazon point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Air Travel (chase.com/travel) (worth 5%)
✈️ 5x on Hotel (chase.com/travel) (worth 5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 5%)
✈️ 5x on Cruise (chase.com/travel) (worth 5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 5%)
🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Transit (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point
Rates
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 4% Balance Transfer Fee, whichever is greater
$5 or 4% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Joseph's Review
The OG Amazon card. 5x on everything Amazon.
Sign Up Bonus
200 Points
after you spend $1 in the first month from account opening
$2 value based on 1¢ per Amazon point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Air Travel (chase.com/travel) (worth 5%)
✈️ 5x on Hotel (chase.com/travel) (worth 5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 5%)
✈️ 5x on Cruise (chase.com/travel) (worth 5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 5%)
🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Transit (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point
Rates
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 4% Balance Transfer Fee, whichever is greater
$5 or 4% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Ink Business Cash®
Joseph's Review
Love the 5x on cell phone and internet.
Sign Up Bonus
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 Telecommunication, Office Supply (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
Joseph's Review
Love the 5x on cell phone and internet.
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 Telecommunication, Office Supply (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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Ink Business Unlimited®
Joseph's Review
Fills in where the BBP isn't accepted.
Sign Up Bonus
75,000 Points
after you spend $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
Joseph's Review
Fills in where the BBP isn't accepted.
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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Chase Freedom Flex®
Joseph's Review
Adds some nice perks over freedom. Good for beginners.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (chase.com/travel) (worth 10%)
✈️ 5x on Hotel (chase.com/travel) (worth 10%)
✈️ 5x on Car Rental (chase.com/travel) (worth 10%)
✈️ 5x on Cruise (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, Gym, 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 Instacart, Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, 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
Joseph's Review
Adds some nice perks over freedom. Good for beginners.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (chase.com/travel) (worth 10%)
✈️ 5x on Hotel (chase.com/travel) (worth 10%)
✈️ 5x on Car Rental (chase.com/travel) (worth 10%)
✈️ 5x on Cruise (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, Gym, 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 Instacart, Gas, Entertainment, EV Charging (worth 10%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, 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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Customized Cash Rewards Visa Signature
Joseph's Review
Easy card to get and hit 3 percent back on all online purchases.
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Rebuilding (600+) credit
Rewards
🛒 2x on Grocery, Wholesale 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
Joseph's Review
Easy card to get and hit 3 percent back on all online purchases.
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Rebuilding (600+) credit
Rewards
🛒 2x on Grocery, Wholesale 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
Crypto.com Royal Indigo & Jade Green Debit
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
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
The Ritz-Carlton™
Joseph's Review
Great card for the annual stay, $300 travel credit is nice as well.
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 Rental (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
Joseph's Review
Great card for the annual stay, $300 travel credit is nice as well.
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 Rental (worth 2.1%)
♾️ 2x on Everything Else
Percentages based on 0.7¢ per Marriott point
Rates
Fees
$450 Annual Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
