Michael Meyer's Cards

💳 10 cards
Condensed
Compact
Extended

American Express Gold

Sign Up Bonus

100,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,000 value based on 1¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🍴 4x on Dining (worth 4%) (up to $50,000)
🛒 4x on Grocery (worth 4%) (up to $25,000)
✈️ 3x on Airlines (worth 3%)
✈️ 3x on Air Travel (amextravel.com) (worth 3%)
✈️ 3x on Hotel (amextravel.com) (worth 3%)
✈️ 3x on Car Rental (amextravel.com) (worth 3%)
✈️ 3x on Cruise (amextravel.com) (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point

Rates

20.24% - 29.24% Purchase APR
29.49% Cash Advance APR

Fees

$325 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Sign Up Bonus

100,000 Points
after you spend $6,000 in the first 6 months from account opening
$1,000 value based on 1¢ per Membership Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

🍴 4x on Dining (worth 4%) (up to $50,000)
🛒 4x on Grocery (worth 4%) (up to $25,000)
✈️ 3x on Airlines (worth 3%)
✈️ 3x on Air Travel (amextravel.com) (worth 3%)
✈️ 3x on Hotel (amextravel.com) (worth 3%)
✈️ 3x on Car Rental (amextravel.com) (worth 3%)
✈️ 3x on Cruise (amextravel.com) (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point

Rates

20.24% - 29.24% Purchase APR
29.49% Cash Advance APR

Fees

$325 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Chase Freedom®

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 7.5%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 7.5%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, PayPal, McDonald's, Pet Store, Veterinarian (worth 7.5%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 7.5%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 7.5%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, PayPal, McDonald's, Pet Store, Veterinarian (worth 7.5%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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, Michael may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Chase Freedom Unlimited®

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
♾️ 1.5x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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, Michael may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

IHG One Rewards Premier

Sign Up Bonus

5 Points
after you spend $5,000 in the first 3 months from account opening
$0 value based on 0.5¢ per IHG point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 26x on IHG (worth 13%)
✈️ 5x on Travel (worth 2.5%)
🍴 5x on Dining (worth 2.5%)
5x on Gas (worth 2.5%)
♾️ 3x on Everything Else
Percentages based on 0.5¢ per IHG point

Rates

19.99% - 28.49% Purchase APR
19.99% - 28.49% Transfer APR
29.24% Cash Advance APR

Fees

$99 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Sign Up Bonus

5 Points
after you spend $5,000 in the first 3 months from account opening
$0 value based on 0.5¢ per IHG point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 26x on IHG (worth 13%)
✈️ 5x on Travel (worth 2.5%)
🍴 5x on Dining (worth 2.5%)
5x on Gas (worth 2.5%)
♾️ 3x on Everything Else
Percentages based on 0.5¢ per IHG point

Rates

19.99% - 28.49% Purchase APR
19.99% - 28.49% Transfer APR
29.24% Cash Advance APR

Fees

$99 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, Michael may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

World of Hyatt

Sign Up Bonus

30,000 Points
after you spend $3,000 in the first 3 months from account opening
$450 value based on 1.5¢ per Hyatt point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 4x on Hyatt (worth 6%)
🍴 2x on Dining (worth 3%)
✈️ 2x on Airlines (worth 3%)
✈️ 2x on Transit (worth 3%)
🛍️ 2x on Gym (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1.5¢ per Hyatt point

Rates

19.99% - 28.49% Purchase APR
19.99% - 28.49% 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

Sign Up Bonus

30,000 Points
after you spend $3,000 in the first 3 months from account opening
$450 value based on 1.5¢ per Hyatt point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 4x on Hyatt (worth 6%)
🍴 2x on Dining (worth 3%)
✈️ 2x on Airlines (worth 3%)
✈️ 2x on Transit (worth 3%)
🛍️ 2x on Gym (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1.5¢ per Hyatt point

Rates

19.99% - 28.49% Purchase APR
19.99% - 28.49% 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
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.
Apply on Capital One
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Venture X

Sign Up Bonus

75,000 Miles
after you spend $4,000 in the first 3 months from account opening
$750 value based on 1¢ per Capital One mile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Hotel (capitalonetravel.com) (worth 10%)
✈️ 10x on Car Rental (capitalonetravel.com) (worth 10%)
✈️ 5x on Air Travel (capitalonetravel.com) (worth 5%)
♾️ 2x on Everything Else
Percentages based on 1¢ per Capital One mile

Rates

19.99% - 29.24% Purchase APR
19.99% - 29.24% Transfer APR
29.24% Cash Advance APR

Fees

$395 Annual Fee
$0 Balance Transfer Fee
$5 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee

Sign Up Bonus

75,000 Miles
after you spend $4,000 in the first 3 months from account opening
$750 value based on 1¢ per Capital One mile

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Hotel (capitalonetravel.com) (worth 10%)
✈️ 10x on Car Rental (capitalonetravel.com) (worth 10%)
✈️ 5x on Air Travel (capitalonetravel.com) (worth 5%)
♾️ 2x on Everything Else
Percentages based on 1¢ per Capital One mile

Rates

19.99% - 29.24% Purchase APR
19.99% - 29.24% Transfer APR
29.24% Cash Advance APR

Fees

$395 Annual Fee
$0 Balance Transfer Fee
$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, Michael may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Chase Sapphire Reserve®

Sign Up Bonus

50,000 Points
after you spend $5,000 in the first 3 months from account opening
$750 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotel (chase.com/travel) (worth 15%)
✈️ 10x on Car Rental (chase.com/travel) (worth 15%)
🍴 10x on Dining (dining.chase.com) (worth 15%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Rates

20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% Cash Advance APR

Fees

$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Sign Up Bonus

50,000 Points
after you spend $5,000 in the first 3 months from account opening
$750 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 10x on Lyft (worth 15%)
✈️ 10x on Hotel (chase.com/travel) (worth 15%)
✈️ 10x on Car Rental (chase.com/travel) (worth 15%)
🍴 10x on Dining (dining.chase.com) (worth 15%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 3x on Travel (worth 4.5%)
🍴 3x on Dining (worth 4.5%)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Rates

20.24% - 28.74% Purchase APR
20.24% - 28.74% Transfer APR
29.24% Cash Advance APR

Fees

$795 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Bilt World Elite Mastercard®

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, Michael may earn a referral bonus.

Ink Business Cash®

Sign Up Bonus

35,000 Points
after you spend $3,000 in the first 3 months from account opening
$525 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
🛍️ 5x on Telecommunication, Office Supply (worth 7.5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 3%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Rates

17.49% - 25.49% Purchase APR
17.49% - 25.49% Transfer APR
29.24% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee

Sign Up Bonus

35,000 Points
after you spend $3,000 in the first 3 months from account opening
$525 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Excellent (700+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
🛍️ 5x on Telecommunication, Office Supply (worth 7.5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 3%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Rates

17.49% - 25.49% Purchase APR
17.49% - 25.49% Transfer APR
29.24% Cash Advance APR

Fees

$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Michael may earn a referral bonus.

Chase Freedom Flex®

Sign Up Bonus

20,000 Points
after you spend $500 in the first 3 months from account opening
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 7.5%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 7.5%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, PayPal, McDonald's, Pet Store, Veterinarian (worth 7.5%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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
$300 value based on Michael's valuation of 1.5¢ per Ultimate Rewards point

Minimum Credit Requirement

This card requires Good (650+) credit

Rewards

✈️ 5x on Lyft (worth 7.5%)
✈️ 5x on Air Travel (chase.com/travel) (worth 7.5%)
✈️ 5x on Hotel (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rental (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruise (chase.com/travel) (worth 7.5%)
🛍️ 5x on Entertainment (chase.com/travel) (worth 7.5%)
🍴 3x on Dining (worth 4.5%)
🛍️ 3x on Drugstore (worth 4.5%)
🛍️ 5x on Grocery, Norwegian, Gym, Beauty (worth 7.5%) from Jan 01 to Mar 31 (up to $1,500)
🛒 5x on Whole Foods, Amazon, Streaming (worth 7.5%) from Apr 01 to Jun 30 (up to $1,500)
🛍️ 5x on Instacart, Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charity, PayPal, McDonald's, Pet Store, Veterinarian (worth 7.5%) from Oct 01 to Dec 31 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Michael's valuation of 1.5¢ 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, Michael may earn a referral bonus.
Powered By MaxRewards
Use Michael's referral code michaelm8998 to get 1 month of MaxRewards Gold for free! Plus: They also get a month of MaxRewards Gold for free!