Joseph G.'s Cards
💳 17 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 (Ultimate Rewards) (worth 20%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 20%)
🍴 10x on Dining (Ultimate Rewards) (worth 20%)
✈️ 5x on Air Travel (Ultimate Rewards) (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
22.24% - 29.24% Purchase APR
22.24% - 29.24% 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 Luxury Hotel & Resort Collection℠
Reserved by Sapphire
24/7 access to Customer Service Specialists
Lyft
Gopuff
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 (Ultimate Rewards) (worth 20%)
✈️ 10x on Car Rentals (Ultimate Rewards) (worth 20%)
🍴 10x on Dining (Ultimate Rewards) (worth 20%)
✈️ 5x on Air Travel (Ultimate Rewards) (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
22.24% - 29.24% Purchase APR
22.24% - 29.24% 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 Luxury Hotel & Resort Collection℠
Reserved by Sapphire
24/7 access to Customer Service Specialists
Lyft
Gopuff
🔽 Expand
Ink Business Cash®
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%)
🛍️ 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
18.24% - 24.24% Purchase APR
18.24% - 24.24% 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 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
🛍️ 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
18.24% - 24.24% Purchase APR
18.24% - 24.24% 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 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
🔽 Expand
Ink Business Unlimited®
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
18.24% - 24.24% Purchase APR
18.24% - 24.24% 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 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$1,500 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
♾️ 1.5x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
18.24% - 24.24% Purchase APR
18.24% - 24.24% 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 Late Payment Fee
$40 Return Payment Fee
Benefits
Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
🔽 Expand
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 (Ultimate Rewards) (worth 10%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 10%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstores (worth 6%)
🛒 5x on Grocery, Gyms, Target (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
🛍️ 5x on Amazon, Lowe's (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
19.99% - 28.74% Purchase APR
19.99% - 28.74% 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
Save on rides with Lyft
$5 off from Fandango
Complimentary Membership
Instacart+ Benefit
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 10%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 10%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstores (worth 6%)
🛒 5x on Grocery, Gyms, Target (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
🛍️ 5x on Amazon, Lowe's (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
19.99% - 28.74% Purchase APR
19.99% - 28.74% 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
Save on rides with Lyft
$5 off from Fandango
Complimentary Membership
Instacart+ Benefit
🔽 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
120,000 Points
after you spend $15,000 in the first 3 months from account opening
$2,400 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛍️ 5x on 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
19.24% - 27.24% 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
35% Airline Bonus
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 Private Jet Program
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
120,000 Points
after you spend $15,000 in the first 3 months from account opening
$2,400 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🛍️ 5x on 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
19.24% - 27.24% 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
35% Airline Bonus
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 Private Jet Program
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
80,000 Points
after you spend $6,000 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 amextravel.com (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.99% - 28.99% 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
80,000 Points
after you spend $6,000 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 amextravel.com (worth 10%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.99% - 28.99% 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.
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 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 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
60,000 Points
after you spend $4,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 8%)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
🛍️ 3x on amextravel.com (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.99% - 28.99% 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
60,000 Points
after you spend $4,000 in the first 6 months from account opening
$1,200 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 8%)
🛒 4x on Grocery (worth 8%) (up to $25,000)
✈️ 3x on Airlines (worth 6%)
🛍️ 3x on amextravel.com (worth 6%)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
20.99% - 28.99% 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.
Business Gold
Joseph's Review
Go to for tech purchases.
Sign Up Bonus
70,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,400 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
☑️ 4x on Choice: Restaurants, Gas Stations, Airfare, Hardware/Software/Cloud, Shipping, Select Media Ads (worth 8%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
19.24% - 27.24% Purchase APR
Fees
$295 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Vendor Pay by Bill.com
Account Manager
Account Alerts
Online Statements
No Foreign Transaction Fees
The Hotel Collection
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Trip Delay Insurance
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service
Joseph's Review
Go to for tech purchases.
Sign Up Bonus
70,000 Points
after you spend $10,000 in the first 3 months from account opening
$1,400 value based on Joseph's valuation of 2¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
☑️ 4x on Choice: Restaurants, Gas Stations, Airfare, Hardware/Software/Cloud, Shipping, Select Media Ads (worth 8%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Membership Rewards point
Rates
19.24% - 27.24% Purchase APR
Fees
$295 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Vendor Pay by Bill.com
Account Manager
Account Alerts
Online Statements
No Foreign Transaction Fees
The Hotel Collection
Global Assist Hotline
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Trip Delay Insurance
Amex Offers
Dispute Resolution
Extended Warranty
Purchase Protection
Relationship Care Service
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Joseph may earn a referral bonus.
Hilton Honors Aspire
Joseph's Review
Love the perks. Diamond and 20 percent back on Hilton.
Sign Up Bonus
150,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Joseph's valuation of 0.6¢ per Hilton Honors point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 14x on Hilton (worth 8.4%)
🍴 7x on Dining (worth 4.2%)
✈️ 7x on Airlines (worth 4.2%)
✈️ 7x on Car Rentals (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point
Rates
20.74% - 29.74% Purchase APR
29.99% Cash Advance APR
Fees
$450 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
COMPLIMENTARY HILTON HONORS DIAMOND STATUS
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
150,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 value based on Joseph's valuation of 0.6¢ per Hilton Honors point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 14x on Hilton (worth 8.4%)
🍴 7x on Dining (worth 4.2%)
✈️ 7x on Airlines (worth 4.2%)
✈️ 7x on Car Rentals (worth 4.2%)
♾️ 3x on Everything Else
Percentages based on Joseph's valuation of 0.6¢ per Hilton Honors point
Rates
20.74% - 29.74% Purchase APR
29.99% Cash Advance APR
Fees
$450 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
COMPLIMENTARY HILTON HONORS DIAMOND STATUS
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
18.24% - 26.24% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
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
18.24% - 26.24% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
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
19.24% - 27.24% 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
19.24% - 27.24% 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.
Customized Cash Rewards Visa Signature
Joseph's Review
Easy card to get and hit 3 percent back on all online purchases.
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Rebuilding (600+) credit
Rewards
🛒 2x on Grocery, Wholesale Clubs from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else
Rates
17.49% - 27.49% Purchase APR
17.49% - 27.49% Transfer APR
29.49% Cash Advance APR
Fees
$0 Annual Fee
3% Balance Transfer Fee
$3 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 Clubs from Jan 01 to Mar 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jan 01 to Mar 31 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Apr 01 to Jun 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Apr 01 to Jun 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Jul 01 to Sep 30 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Jul 01 to Sep 30 (up to $2,500)
🛒 2x on Grocery, Wholesale Clubs from Oct 01 to Dec 31 (up to $2,500)
☑️ 3x on Choice: Gas, Dining, Travel, Online Shopping, Drug Stores, Home Improvement from Oct 01 to Dec 31 (up to $2,500)
♾️ 1x on Everything Else
Rates
17.49% - 27.49% Purchase APR
17.49% - 27.49% Transfer APR
29.49% Cash Advance APR
Fees
$0 Annual Fee
3% Balance Transfer Fee
$3 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Wyndham Rewards Earner Business
Joseph's Review
Great card for free annual weekend stays. Caesar Diamond as well.
Sign Up Bonus
50,000 Points
after you spend $3,000 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
20.99% - 29.99% Purchase APR
20.99% - 29.99% Transfer APR
30.24% Cash Advance APR
Fees
$95 Annual Fee
$0 Foreign Transaction Fee
$19 Late Payment Fee
$39 Return Payment Fee
Benefits
Earn up to 75,000 bonus points, enough for up to 10 free nights
Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
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
Joseph's Review
Great card for free annual weekend stays. Caesar Diamond as well.
Sign Up Bonus
50,000 Points
after you spend $3,000 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
20.99% - 29.99% Purchase APR
20.99% - 29.99% Transfer APR
30.24% Cash Advance APR
Fees
$95 Annual Fee
$0 Foreign Transaction Fee
$19 Late Payment Fee
$39 Return Payment Fee
Benefits
Earn up to 75,000 bonus points, enough for up to 10 free nights
Annual Bonus
Automatic DIAMOND Level Benefits!
Enjoy a Cardmember Booking Discount
Unlimited Earning
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
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)
♾️ 3x 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)
♾️ 3x on Everything Else
Percentages based on 1¢ per CRO Rewards point
Rates
Fees
🔽 Expand
AAdvantage Aviator Mastercard
Joseph's Review
Useless for spend. Great sign on bonus, decent rewards of free checked bags and group 5.
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
Joseph's Review
Useless for spend. Great sign on bonus, decent rewards of free checked bags and group 5.
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
