KDN’s Favorite Cards to play the Credit Game
💳 19 cards
Condensed
Compact
Extended
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
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Buy above your credit limit with Expanded Buying Power
Cash Back
Car Rental Loss and Damage Insurance
Global Assist Hotline
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
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
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Buy above your credit limit with Expanded Buying Power
Cash Back
Car Rental Loss and Damage Insurance
Global Assist Hotline
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
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
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
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
$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
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
NEC - CIBC - KDN Estate
Sign Up Bonus
35,000 Points
after you spend $3,000 in the first 3 months from account opening
$438 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 Telecommunications, Office Supplies (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
Benefits
Cash Back
Travel
Apple® Ultimate Rewards Store
Gift Cards
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Roadside Dispatch
Purchase Protection
Extended Warranty Protection
Sign Up Bonus
35,000 Points
after you spend $3,000 in the first 3 months from account opening
$438 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 Telecommunications, Office Supplies (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
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
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
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🍴 5x on Dining, Hotels, Amazon (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (worth 6.25%) from Oct 01 to Dec 31 (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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Fraud Protection
Fraud Alerts
DoorDash
Lyft
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
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🍴 5x on Dining, Hotels, Amazon (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (worth 6.25%) from Oct 01 to Dec 31 (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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Fraud Protection
Fraud Alerts
DoorDash
Lyft
🔽 Expand
NEC - CSP
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$750 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 10x on Lyft (worth 12.5%)
✈️ 10x on Hotels (chase.com/travel) (worth 12.5%)
✈️ 10x on Car Rentals (chase.com/travel) (worth 12.5%)
🍴 10x on Dining (dining.chase.com) (worth 12.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 3x on Travel (worth 3.75%)
🍴 3x on Dining (worth 3.75%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.24% Cash Advance APR
Fees
$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphireReserve_37" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56007.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$750 value based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 10x on Lyft (worth 12.5%)
✈️ 10x on Hotels (chase.com/travel) (worth 12.5%)
✈️ 10x on Car Rentals (chase.com/travel) (worth 12.5%)
🍴 10x on Dining (dining.chase.com) (worth 12.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 3x on Travel (worth 3.75%)
🍴 3x on Dining (worth 3.75%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.24% Cash Advance APR
Fees
$550 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$300 Annual Travel Credit
Complimentary Airport Lounge Access
Global Entry or TSA PreCheck® or NEXUS Fee Credit
The Edit℠
Reserved by Sapphire
Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits
Lyft
Peloton
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphireReserve_37" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56007.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
🔽 Expand
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
✈️ 5x on Lyft (worth 6.25%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (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
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$250 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%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (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
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
NEC - CSP
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 $4,000 in the first 3 months from account opening
$750 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%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛒 3x on Grocery Delivery (worth 3.75%)
🛍️ 3x on Streaming (worth 3.75%)
✈️ 2x on Travel (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
20.49% - 27.49% Purchase APR
20.49% - 27.49% 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
Benefits
Lyft
Instacart
DoorDash
Peloton
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphirePreferred_4" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56014.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
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 $4,000 in the first 3 months from account opening
$750 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%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (chase.com/travel) (worth 6.25%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 6.25%)
🍴 3x on Dining (worth 3.75%)
🛒 3x on Grocery Delivery (worth 3.75%)
🛍️ 3x on Streaming (worth 3.75%)
✈️ 2x on Travel (worth 2.5%)
♾️ 1x on Everything Else
Percentages based on KDN's valuation of 1.25¢ per Ultimate Rewards point
Rates
20.49% - 27.49% Purchase APR
20.49% - 27.49% 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
Benefits
Lyft
Instacart
DoorDash
Peloton
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_SapphirePreferred_4" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56014.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window</span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
🔽 Expand
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.
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
✈️ 5x on Lyft (worth 6.25%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (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
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
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
✈️ 5x on Lyft (worth 6.25%)
✈️ 5x on Air Travel (chase.com/travel) (worth 6.25%)
✈️ 5x on Hotels (chase.com/travel) (worth 6.25%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 6.25%)
✈️ 5x on Cruises (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
19.49% - 28.24% Purchase APR
19.49% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
After purchase:</b> Pay off an eligible purchase you've already made of $100 or more<a class="od-link product-offer-details" data-bs-target="#offerDetailsModal" data-bs-toggle="modal" data-lh-name="ODModal" data-remote="false" href="/#">*<span class='visually-hidden'> Opens offer details overlay</span></a> in smaller, equal monthly payments. No <span class="text-nowrap">interest - just</span> a fixed monthly fee<sup><a class="pt-daggerU" data-lh-name="PricingTerms_FreedomUnlimited-36" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56029.html" target="_blank">†<span class='visually-hidden'> Opens pricing and terms in new window </span></a></sup> with plan durations that range from <span class="text-nowrap">3-24 months.</span> Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.</p>
🔽 Expand
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, Telecommunications, Shipping, Advertisements (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
Benefits
Cash Back
Gift Cards
Apple® Ultimate Rewards Store
Travel
1:1 Points Transfer
Trip Cancellation/Trip Interruption Insurance
Roadside Dispatch
Auto Rental Collision Damage Waiver
Cell Phone Protection
Purchase Protection
Extended Warranty Protection
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, Telecommunications, Shipping, Advertisements (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
Benefits
Cash Back
Gift Cards
Apple® Ultimate Rewards Store
Travel
1:1 Points Transfer
Trip Cancellation/Trip Interruption Insurance
Roadside Dispatch
Auto Rental Collision Damage Waiver
Cell Phone Protection
Purchase Protection
Extended Warranty Protection
🔽 Expand
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
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
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
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
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
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$1,500 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 Hotels (amextravel.com) (worth 5%)
✈️ 5x on Car Rentals (amextravel.com) (worth 5%)
✈️ 5x on Cruises (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
18.49% - 27.49% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
The Global Lounge Collection
$200 Airline Fee Credit
$189 CLEAR Plus Credit
Fine Hotels + Resorts Program
Fee Credit for Global Entry or TSA PreCheck
No Foreign Transaction Fees
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Premium Car Rental Privileges
Business Platinum Travel Service
Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Shop Dell Technologies
Build Your Team with Indeed
Adobe Creative Solutions
Wireless Credit
Preferred Access
Car Rental Loss and Damage Insurance
Global Dining Access by Resy
Baggage Insurance Plan
Premium Global Assist Hotline
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Cell Phone Protection
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
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
150,000 Points
after you spend $20,000 in the first 3 months from account opening
$1,500 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 Hotels (amextravel.com) (worth 5%)
✈️ 5x on Car Rentals (amextravel.com) (worth 5%)
✈️ 5x on Cruises (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
18.49% - 27.49% Purchase APR
Fees
$695 Annual Fee
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
The Global Lounge Collection
$200 Airline Fee Credit
$189 CLEAR Plus Credit
Fine Hotels + Resorts Program
Fee Credit for Global Entry or TSA PreCheck
No Foreign Transaction Fees
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Premium Car Rental Privileges
Business Platinum Travel Service
Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Shop Dell Technologies
Build Your Team with Indeed
Adobe Creative Solutions
Wireless Credit
Preferred Access
Car Rental Loss and Damage Insurance
Global Dining Access by Resy
Baggage Insurance Plan
Premium Global Assist Hotline
Pay Over Time Option
No Preset Spending Limit
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Cell Phone Protection
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
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
$200
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
$0 Balance Transfer Fee
$5 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
Benefits
New Cardmember Offer
Redeem for Cash
No Foreign Transaction Fees
Complimentary Concierge Service
Extended Warranty
24-hour Travel Assistance Services
Travel Accident Insurance
Instant Purchase Notifications
Capital One Shopping
Capital One Travel
50% off Handcrafted Beverages
Capital One Dining
Capital One Entertainment
Security Alerts
$0 Fraud Liability
Virtual Card Numbers from Eno
Card Lock
Account Alerts from Eno
See Recurring Merchants
Authorized User
Balance Transfer
24/7 Customer Service
Capital One Mobile App
Chat with Eno
If you find a better price, we’ll match it
Know when to buy and when to wait
KDN's Review
Good Cashback card with a great easy company that feels cutting edge
Sign Up Bonus
$200
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
$0 Balance Transfer Fee
$5 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
Benefits
New Cardmember Offer
Redeem for Cash
No Foreign Transaction Fees
Complimentary Concierge Service
Extended Warranty
24-hour Travel Assistance Services
Travel Accident Insurance
Instant Purchase Notifications
Capital One Shopping
Capital One Travel
50% off Handcrafted Beverages
Capital One Dining
Capital One Entertainment
Security Alerts
$0 Fraud Liability
Virtual Card Numbers from Eno
Card Lock
Account Alerts from Eno
See Recurring Merchants
Authorized User
Balance Transfer
24/7 Customer Service
Capital One Mobile App
Chat with Eno
If you find a better price, we’ll match it
Know when to buy and when to wait
🔽 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 Gas, Transit, EV Charging, Home Improvement from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Walmart from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Target, Amazon Music 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
Benefits
Enjoy 5% Cash Back
Unlimited Cashback Match
Redeem with Ease
Freeze it® on/off switch for your account.
FICO® Credit Score for free.
Looking out for you.
100% U.S.-based customer service.
Tap to pay.
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 Gas, Transit, EV Charging, Home Improvement from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Walmart from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Target, Amazon Music 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
Benefits
Enjoy 5% Cash Back
Unlimited Cashback Match
Redeem with Ease
Freeze it® on/off switch for your account.
FICO® Credit Score for free.
Looking out for you.
100% U.S.-based customer service.
Tap to pay.
🔽 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 Gas, Transit, EV Charging, Home Improvement from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Walmart from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Target, Amazon Music 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
Benefits
Enjoy 5% Cash Back
Unlimited Cashback Match
Redeem with Ease
Freeze it® on/off switch for your account.
FICO® Credit Score for free.
Looking out for you.
100% U.S.-based customer service.
Tap to pay.
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 Gas, Transit, EV Charging, Home Improvement from Apr 01 to Jun 30 (up to $1,500)
🛒 5x on Grocery, Walmart from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Amazon, Target, Amazon Music 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
Benefits
Enjoy 5% Cash Back
Unlimited Cashback Match
Redeem with Ease
Freeze it® on/off switch for your account.
FICO® Credit Score for free.
Looking out for you.
100% U.S.-based customer service.
Tap to pay.
🔽 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
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🍴 5x on Dining, Hotels, Amazon (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (worth 6.25%) from Oct 01 to Dec 31 (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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Fraud Protection
Fraud Alerts
DoorDash
Lyft
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
✈️ 5x on Lyft (worth 6.25%)
🛍️ 5x on Grocery, Norwegian, Gyms, Beauty (worth 6.25%) from Jan 01 to Mar 31 (up to $1,500)
🍴 5x on Dining, Hotels, Amazon (worth 6.25%) from Apr 01 to Jun 30 (up to $1,500)
⛽ 5x on Gas, Entertainment, EV Charging (worth 6.25%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, PayPal, McDonald's, Pet Store, Veterinarian (worth 6.25%) from Oct 01 to Dec 31 (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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Fraud Protection
Fraud Alerts
DoorDash
Lyft
🔽 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
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Buy above your credit limit with Expanded Buying Power
Membership Rewards Points
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Relationship Care Service
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
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
17.49% - 27.49% Purchase APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
2.7% Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Buy above your credit limit with Expanded Buying Power
Membership Rewards Points
Employee Cards
Connect to QuickBooks
Online Statements
Account Manager
Account Alerts
Vendor Pay by Bill.com
Relationship Care Service
Global Assist Hotline
Car Rental Loss and Damage Insurance
Extended Warranty
Purchase Protection
Dispute Resolution
Amex Offers
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, KDN may earn a referral bonus.
