KDN’s Favorite Cards to play the Credit Game
💳 19 cards
Condensed
Compact
Extended
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - CSP - Dupe
KDN's Review
Best in class only second to the Reserved. Go for this one if you want to boost your points and make extra on your travel and food. Enjoy free annual credits that more than pay for the annual fee (waived too).
First do this one for signup bonus then upgrade to reserve after 1 yr
Sign Up Bonus
60,000 Points
after you spend $5,000 in the first 3 months from account opening
$0 value based on KDN's valuation of 0¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 0%)
✈️ 5x on Air Travel (chase.com/travel) (worth 0%)
✈️ 5x on Hotel (chase.com/travel) (worth 0%)
✈️ 5x on Car Rental (chase.com/travel) (worth 0%)
✈️ 5x on Cruise (chase.com/travel) (worth 0%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 0%)
🍴 3x on Dining (worth 0%)
🛒 3x on Grocery Delivery (worth 0%)
🛍️ 3x on Streaming (worth 0%)
✈️ 2x on Travel (worth 0%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 0¢ per Ultimate Rewards point
Rates
19.99% - 28.24% Purchase APR
19.99% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$95 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
KDN's Review
Best in class only second to the Reserved. Go for this one if you want to boost your points and make extra on your travel and food. Enjoy free annual credits that more than pay for the annual fee (waived too).
First do this one for signup bonus then upgrade to reserve after 1 yr
Sign Up Bonus
60,000 Points
after you spend $5,000 in the first 3 months from account opening
$0 value based on KDN's valuation of 0¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 0%)
✈️ 5x on Air Travel (chase.com/travel) (worth 0%)
✈️ 5x on Hotel (chase.com/travel) (worth 0%)
✈️ 5x on Car Rental (chase.com/travel) (worth 0%)
✈️ 5x on Cruise (chase.com/travel) (worth 0%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 0%)
🍴 3x on Dining (worth 0%)
🛒 3x on Grocery Delivery (worth 0%)
🛍️ 3x on Streaming (worth 0%)
✈️ 2x on Travel (worth 0%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 0¢ per Ultimate Rewards point
Rates
19.99% - 28.24% Purchase APR
19.99% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$95 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, KDN may earn a referral bonus.
EveryDay - CIBU - KDN Enterprises
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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 American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - AMEX Blue Biz Cash - KDN Estate
Sign Up Bonus
$250
after you spend $3,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
2x on All (up to $50,000)
♾️ 1x on Everything Else
Rates
17.24% - 27.24% Purchase APR
Fees
$0 Annual Fee
$0 Foreign Transaction Fee
Sign Up Bonus
$250
after you spend $3,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
2x on All (up to $50,000)
♾️ 1x on Everything Else
Rates
17.24% - 27.24% Purchase APR
Fees
$0 Annual Fee
$0 Foreign Transaction Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - CIBC - KDN Estate
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Telecommunication, Office Supply (worth 6.25%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2.5%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Telecommunication, Office Supply (worth 6.25%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2.5%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
Chase Freedom Unlimited®
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛍️ 3x on Drugstore (worth 3.75%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛍️ 3x on Drugstore (worth 3.75%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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 Freedom®
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Old Navy, Department Stores, Air Travel (chase.com/travel), Hotel (chase.com/travel), Car Rental (chase.com/travel), Cruise (chase.com/travel), Entertainment (chase.com/travel) (worth 6.25%) from Oct 01 to Dec 31 (up to $1,500)
🛍️ 5x on PayPal (worth 6.25%) from Dec 01 to Jan 1 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Old Navy, Department Stores, Air Travel (chase.com/travel), Hotel (chase.com/travel), Car Rental (chase.com/travel), Cruise (chase.com/travel), Entertainment (chase.com/travel) (worth 6.25%) from Oct 01 to Dec 31 (up to $1,500)
🛍️ 5x on PayPal (worth 6.25%) from Dec 01 to Jan 1 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
NEC - CSR
Sign Up Bonus
50,000 Points
after you spend $5,000 in the first 3 months from account opening
$625 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Air Travel (chase.com/travel) (worth 10%)
✈️ 8x on Hotel (chase.com/travel) (worth 10%)
✈️ 8x on Car Rental (chase.com/travel) (worth 10%)
✈️ 8x on Cruise (chase.com/travel) (worth 10%)
🛍️ 8x on Entertainment (chase.com/travel) (worth 10%)
✈️ 4x on Airlines (worth 5%)
✈️ 4x on Hotels (worth 5%)
🍴 3x on Dining (worth 3.75%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
$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
$625 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 8x on Air Travel (chase.com/travel) (worth 10%)
✈️ 8x on Hotel (chase.com/travel) (worth 10%)
✈️ 8x on Car Rental (chase.com/travel) (worth 10%)
✈️ 8x on Cruise (chase.com/travel) (worth 10%)
🛍️ 8x on Entertainment (chase.com/travel) (worth 10%)
✈️ 4x on Airlines (worth 5%)
✈️ 4x on Hotels (worth 5%)
🍴 3x on Dining (worth 3.75%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
24 Cooper Bilt card
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
✈️ 2x on Travel (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on 1.25¢ per Bilt Rewards point
Rates
20.49% - 28.49% Purchase APR
20.49% - 28.49% Transfer APR
28.24% 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
$0 Foreign Transaction Fee
$40 Late Payment Fee
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
✈️ 2x on Travel (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on 1.25¢ per Bilt Rewards point
Rates
20.49% - 28.49% Purchase APR
20.49% - 28.49% Transfer APR
28.24% 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
$0 Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
PLAY - CFU
KDN's Review
My favorite for racking up points. Pair with the Sapphire preferred or reserved to make each point word 1.25-1.50x more!
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛍️ 3x on Drugstore (worth 3.75%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
KDN's Review
My favorite for racking up points. Pair with the Sapphire preferred or reserved to make each point word 1.25-1.50x more!
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotel (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rental (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruise (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛍️ 3x on Drugstore (worth 3.75%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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, KDN may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Ink Business Preferred®
KDN's Review
Great for business spending and doesn’t affect your credit. If you do anything like side gigs, Uber, Amazon shipment, or consult you can apply for this to spend using your business without affecting you personal credit score.
Multiple points on, advertisement, internet cable.
Sign Up Bonus
90,000 Points
after you spend $8,000 in the first 3 months from account opening
$1,125 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🛍️ 3x on Travel, Telecommunication, Shipping, Advertisement (worth 3.75%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
KDN's Review
Great for business spending and doesn’t affect your credit. If you do anything like side gigs, Uber, Amazon shipment, or consult you can apply for this to spend using your business without affecting you personal credit score.
Multiple points on, advertisement, internet cable.
Sign Up Bonus
90,000 Points
after you spend $8,000 in the first 3 months from account opening
$1,125 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
🛍️ 3x on Travel, Telecommunication, Shipping, Advertisement (worth 3.75%) (up to $150,000)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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, KDN may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
EveryDay - CIBU - KDN Estate
KDN's Review
Great for business spending and doesn’t affect your credit. If you do anything like side gigs, Uber, Amazon shipment, or consult you can apply for this to spend using your business without affecting you personal credit score.
Rack up points with this one! Pair with preferred.
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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
KDN's Review
Great for business spending and doesn’t affect your credit. If you do anything like side gigs, Uber, Amazon shipment, or consult you can apply for this to spend using your business without affecting you personal credit score.
Rack up points with this one! Pair with preferred.
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$938 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 6.25%)
♾️ 1.5x on Everything Else
Percentages based on KDN's valuation of 1.25¢ 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, KDN may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - AMEX Platinum - KDN Estate
KDN's Review
Ultimate luxury rewards card. Get your free TSAPreCheck and clear and travel credits all totalling to double the annual fee. Well worth it if you travel and dine within the next 24 months.
Apply with this link for extra bonus points.
Sign Up Bonus
200,000 Points
after you spend $20,000 in the first 3 months from account opening
$2,000 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 5%)
✈️ 5x on Hotel (amextravel.com) (worth 5%)
✈️ 5x on Car Rental (amextravel.com) (worth 5%)
✈️ 5x on Cruise (amextravel.com) (worth 5%)
🛍️ 1.5x on Home Improvement (worth 1.5%)
🛍️ 1.5x on Electronics (worth 1.5%)
🛍️ 1.5x on Shipping (worth 1.5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
18.24% - 28.99% Purchase APR
Fees
$895 Annual Fee
$0 Foreign Transaction Fee
KDN's Review
Ultimate luxury rewards card. Get your free TSAPreCheck and clear and travel credits all totalling to double the annual fee. Well worth it if you travel and dine within the next 24 months.
Apply with this link for extra bonus points.
Sign Up Bonus
200,000 Points
after you spend $20,000 in the first 3 months from account opening
$2,000 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Air Travel (amextravel.com) (worth 5%)
✈️ 5x on Hotel (amextravel.com) (worth 5%)
✈️ 5x on Car Rental (amextravel.com) (worth 5%)
✈️ 5x on Cruise (amextravel.com) (worth 5%)
🛍️ 1.5x on Home Improvement (worth 1.5%)
🛍️ 1.5x on Electronics (worth 1.5%)
🛍️ 1.5x on Shipping (worth 1.5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
18.24% - 28.99% Purchase APR
Fees
$895 Annual Fee
$0 Foreign Transaction Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Cf Dupe
KDN's Review
Easy card to get your foot in the door and build credit limits. You can always transfer credit lines to another card later in the game.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
KDN's Review
Easy card to get your foot in the door and build credit limits. You can always transfer credit lines to another card later in the game.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on Capital One
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Quicksilver
KDN's Review
Good Cashback card with a great easy company that feels cutting edge
Sign Up Bonus
$100
after you spend $500 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
♾️ 1.5x 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 or $0 Balance Transfer Fee, whichever is greater
$5 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
KDN's Review
Good Cashback card with a great easy company that feels cutting edge
Sign Up Bonus
$100
after you spend $500 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
♾️ 1.5x 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 or $0 Balance Transfer Fee, whichever is greater
$5 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Apply on Capital One
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Discover More
KDN's Review
My first card ever Building credit and easy to get accepted. Perfect for rewards and getting started in the game.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Streaming, Home Improvement from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Gas, Transit, Home Utility, EV Charging from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Drugstore from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Rates
18.24% - 27.24% Purchase APR
18.24% - 27.24% Transfer APR
29.24% Cash Advance APR
Fees
5% Balance Transfer Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$30 Return Payment Fee
KDN's Review
My first card ever Building credit and easy to get accepted. Perfect for rewards and getting started in the game.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Streaming, Home Improvement from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Gas, Transit, Home Utility, EV Charging from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Drugstore from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Rates
18.24% - 27.24% Purchase APR
18.24% - 27.24% Transfer APR
29.24% Cash Advance APR
Fees
5% Balance Transfer Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$30 Return Payment Fee
🔽 Expand
Discover it
KDN's Review
Great Cashback card paired with any spending you have. Make money back on your spending.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Streaming, Home Improvement from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Gas, Transit, Home Utility, EV Charging from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Drugstore from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Rates
18.24% - 27.24% Purchase APR
18.24% - 27.24% Transfer APR
29.24% Cash Advance APR
Fees
5% Balance Transfer Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$30 Return Payment Fee
KDN's Review
Great Cashback card paired with any spending you have. Make money back on your spending.
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Streaming, Home Improvement from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Grocery, Wholesale Club from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Gas, Transit, Home Utility, EV Charging from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Drugstore from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Rates
18.24% - 27.24% Purchase APR
18.24% - 27.24% Transfer APR
29.24% Cash Advance APR
Fees
5% Balance Transfer Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$41 Late Payment Fee
$30 Return Payment Fee
🔽 Expand
Barclaycard Ring
KDN's Review
Lowest APR interest card I know. Best for those who want to have low interest and possibly be conservative and carry balance.
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rates
Fees
$0 Annual Fee
KDN's Review
Lowest APR interest card I know. Best for those who want to have low interest and possibly be conservative and carry balance.
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rates
Fees
$0 Annual Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Chase Freedom®
KDN's Review
All around great card for earning rewards in every way with bonus categories each month.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Old Navy, Department Stores, Air Travel (chase.com/travel), Hotel (chase.com/travel), Car Rental (chase.com/travel), Cruise (chase.com/travel), Entertainment (chase.com/travel) (worth 6.25%) from Oct 01 to Dec 31 (up to $1,500)
🛍️ 5x on PayPal (worth 6.25%) from Dec 01 to Jan 1 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
KDN's Review
All around great card for earning rewards in every way with bonus categories each month.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 2x on Lyft (worth 2.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Old Navy, Department Stores, Air Travel (chase.com/travel), Hotel (chase.com/travel), Car Rental (chase.com/travel), Cruise (chase.com/travel), Entertainment (chase.com/travel) (worth 6.25%) from Oct 01 to Dec 31 (up to $1,500)
🛍️ 5x on PayPal (worth 6.25%) from Dec 01 to Jan 1 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
14.99% - 23.74% Purchase APR
14.99% - 23.74% Transfer APR
24.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - AMEX Blue Biz Plus - KDN Enterprise
Sign Up Bonus
15,000 Points
after you spend $3,000 in the first 3 months from account opening
$150 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
2x on All (worth 2%) (up to $50,000)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
17.24% - 27.24% Purchase APR
Fees
$0 Annual Fee
$0 Foreign Transaction Fee
Sign Up Bonus
15,000 Points
after you spend $3,000 in the first 3 months from account opening
$150 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
2x on All (worth 2%) (up to $50,000)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
17.24% - 27.24% Purchase APR
Fees
$0 Annual Fee
$0 Foreign Transaction Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
