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 Hotels (amextravel.com) (worth 3%)
✈️ 3x on Car Rentals (amextravel.com) (worth 3%)
✈️ 3x on Cruises (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
Benefits
$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
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 Hotels (amextravel.com) (worth 3%)
✈️ 3x on Car Rentals (amextravel.com) (worth 3%)
✈️ 3x on Cruises (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
Benefits
$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
🔽 Expand
Apply on 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, Gyms, 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 Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, 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
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
$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, Gyms, 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 Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, 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
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, 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
25,000 Points
after you spend $500 in the first 3 months from account opening
$375 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 Hotels (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruises (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
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
25,000 Points
after you spend $500 in the first 3 months from account opening
$375 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 Hotels (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruises (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
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, 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
140,000 Points
after you spend $3,000 in the first 3 months from account opening
$700 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
Benefits
Anniversary Free Night
Baggage Delay Insurance
Lost Luggage Reimbursement
Purchase Protection
Trip Cancellation/Trip Interruption Insurance
DoorDash
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_IHG_Rewards_41" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56987.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
140,000 Points
after you spend $3,000 in the first 3 months from account opening
$700 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
Benefits
Anniversary Free Night
Baggage Delay Insurance
Lost Luggage Reimbursement
Purchase Protection
Trip Cancellation/Trip Interruption Insurance
DoorDash
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_IHG_Rewards_41" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56987.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, 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 Gyms (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
Benefits
Get a Free Night Every Year
Baggage Delay Insurance
Lost Luggage Reimbursement
Trip Cancellation/Interruption Insurance
Purchase Protection
Auto Rental Collision Damage Waiver
Visa Concierge
DoorDash
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_WOH_44" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC57656.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
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 Gyms (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
Benefits
Get a Free Night Every Year
Baggage Delay Insurance
Lost Luggage Reimbursement
Trip Cancellation/Interruption Insurance
Purchase Protection
Auto Rental Collision Damage Waiver
Visa Concierge
DoorDash
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_WOH_44" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC57656.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, 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 Hotels (capitalonetravel.com) (worth 10%)
✈️ 10x on Car Rentals (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
Benefits
Global Entry or TSA PreCheck® Credit
Early Spend Bonus
Anniversary Bonus
Annual Travel Credit
Capital One Lounges
Partner Lounge Network
Premier Collection
Lifestyle Collection
Hertz President’s Circle® status
Auto rental collision coverage
If you find a better price, we’ll match it
Know when to buy and when to wait
Capital One Dining
Capital One Entertainment
The Cultivist
Cell Phone Protection
Free Additional Cardholders
No Foreign Transaction Fees
Miles Don’t Expire & No Blackout Dates
Miles Redemption
Referrals Bonus
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 Hotels (capitalonetravel.com) (worth 10%)
✈️ 10x on Car Rentals (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
Benefits
Global Entry or TSA PreCheck® Credit
Early Spend Bonus
Anniversary Bonus
Annual Travel Credit
Capital One Lounges
Partner Lounge Network
Premier Collection
Lifestyle Collection
Hertz President’s Circle® status
Auto rental collision coverage
If you find a better price, we’ll match it
Know when to buy and when to wait
Capital One Dining
Capital One Entertainment
The Cultivist
Cell Phone Protection
Free Additional Cardholders
No Foreign Transaction Fees
Miles Don’t Expire & No Blackout Dates
Miles Redemption
Referrals Bonus
🔽 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
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$900 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 Hotels (chase.com/travel) (worth 15%)
✈️ 10x on Car Rentals (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
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
$900 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 Hotels (chase.com/travel) (worth 15%)
✈️ 10x on Car Rentals (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
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
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 Telecommunications, Office Supplies (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
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
$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 Telecommunications, Office Supplies (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
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, 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 Hotels (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruises (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, Gyms, 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 Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, 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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
Cell Phone Protection
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
The best of your neighborhood.$0 delivery fee.
5% Cash Back on Lyft Rides
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_FreedomFlex-56" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56022.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
$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 Hotels (chase.com/travel) (worth 7.5%)
✈️ 5x on Car Rentals (chase.com/travel) (worth 7.5%)
✈️ 5x on Cruises (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, Gyms, 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 Gas, Entertainment, EV Charging (worth 7.5%) from Jul 01 to Sep 30 (up to $1,500)
🛍️ 5x on Charities, 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
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
Cell Phone Protection
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
The best of your neighborhood.$0 delivery fee.
5% Cash Back on Lyft Rides
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_FreedomFlex-56" href="https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC56022.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, Michael may earn a referral bonus.
