Neil Fernandes's Cards
💳 21 cards
Condensed
Compact
Extended
Apply on Chase
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Chase Sapphire Preferred®
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛒 3x on Grocery Delivery (worth 3%)
🛍️ 3x on Streaming (worth 3%)
✈️ 2x on Travel (worth 2%)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.99% 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>
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛒 3x on Grocery Delivery (worth 3%)
🛍️ 3x on Streaming (worth 3%)
✈️ 2x on Travel (worth 2%)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.99% 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, Neil may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Ink Business Unlimited®
Sign Up Bonus
75,000 Points
after you spend $6,000 in the first 3 months from account opening
$750 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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
$750 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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, Neil may earn a referral bonus.
Wells Fargo Active Cash Visa®
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$200 value based on 1¢ per Go Far Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
♾️ 2x on Everything Else
Percentages based on 1¢ per Go Far Rewards point
Rates
20.24% Purchase APR
20.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$200 value based on 1¢ per Go Far Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
♾️ 2x on Everything Else
Percentages based on 1¢ per Go Far Rewards point
Rates
20.24% Purchase APR
20.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Blue Business Cash(TM)
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
18.49% - 26.49% 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
18.49% - 26.49% 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, Neil may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Blue Business Plus
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
18.49% - 26.49% 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
18.49% - 26.49% 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, Neil may earn a referral bonus.
Apply on Discover
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Discover it
Neil's Review
Great card to get started on the credit card game with no credit history. One of my first cards that I got coming to the states
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Drugstores 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)
♾️ 1x on Everything Else
Rates
17.24% - 28.24% Purchase APR
17.24% - 28.24% Transfer APR
29.99% 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
$41 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.
Neil's Review
Great card to get started on the credit card game with no credit history. One of my first cards that I got coming to the states
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
🍴 5x on Dining, Drugstores 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)
♾️ 1x on Everything Else
Rates
17.24% - 28.24% Purchase APR
17.24% - 28.24% Transfer APR
29.99% 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
$41 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
Apply on Discover
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Neil 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
$350 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
🛍️ 5x on Telecommunications, Office Supplies (worth 5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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
$350 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
🛍️ 5x on Telecommunications, Office Supplies (worth 5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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, Neil may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Neil 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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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, Neil may earn a referral bonus.
Apply on Chase
👆 If you apply with this link and are approved, Neil 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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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, Neil may earn a referral bonus.
Wells Fargo Autograph Visa®
Sign Up Bonus
20,000 Points
after you spend $1,000 in the first 3 months from account opening
$200 value based on 1¢ per Go Far Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 3x on Travel (worth 3%)
🍴 3x on Dining (worth 3%)
⛽ 3x on Gas (worth 3%)
🛍️ 3x on Telecommunications (worth 3%)
🛍️ 3x on Streaming (worth 3%)
🛍️ 3x on EV Charging (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Go Far Rewards point
Rates
20.24% Purchase APR
20.24% - 29.99% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
Sign Up Bonus
20,000 Points
after you spend $1,000 in the first 3 months from account opening
$200 value based on 1¢ per Go Far Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 3x on Travel (worth 3%)
🍴 3x on Dining (worth 3%)
⛽ 3x on Gas (worth 3%)
🛍️ 3x on Telecommunications (worth 3%)
🛍️ 3x on Streaming (worth 3%)
🛍️ 3x on EV Charging (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Go Far Rewards point
Rates
20.24% Purchase APR
20.24% - 29.99% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Platinum
Neil's Review
Card for frequent flyers and for interviews. Gets you access to the airport lounges and food!
Sign Up Bonus
125,000 Points
after you spend $8,000 in the first 6 months from account opening
$1,250 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Airlines (worth 5%)
🛍️ 5x on amextravel.com (worth 5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
21.24% - 29.24% Purchase APR
29.99% Cash Advance APR
Fees
$695 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
UBER RIDES WITH PLATINUM™
THE GLOBAL LOUNGE COLLECTION®
$200 Airline Fee Credit
INTERNATIONAL AIRLINE PROGRAM
FEE CREDIT FOR GLOBAL ENTRY OR TSA PRE✓®
The Centurion® Lounge
Fine Hotels & Resorts® Program
The Hotel Collection
PLATINUM TRAVEL SERVICE
MARRIOTT BONVOY™ GOLD ELITE STATUS
Hilton Honors Gold Status
NO FOREIGN TRANSACTION FEES
Car Rental Privileges
Car Rental Loss and Damage Insurance︎
Premium Global Assist® Hotline
TRIP DELAY
TRIP CANCELLATION
SHOP SAKS WITH PLATINUM
PLATINUM CARD® CONCIERGE
BY INVITATION ONLY®
Global Dining Collection
PREFERRED SEATING
Departures Magazine
INCIRCLE®
COMPLIMENTARY ADDITIONAL GOLD CARD
Card Member Services
Experience Membership Together
Neil's Review
Card for frequent flyers and for interviews. Gets you access to the airport lounges and food!
Sign Up Bonus
125,000 Points
after you spend $8,000 in the first 6 months from account opening
$1,250 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Airlines (worth 5%)
🛍️ 5x on amextravel.com (worth 5%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
21.24% - 29.24% Purchase APR
29.99% Cash Advance APR
Fees
$695 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
UBER RIDES WITH PLATINUM™
THE GLOBAL LOUNGE COLLECTION®
$200 Airline Fee Credit
INTERNATIONAL AIRLINE PROGRAM
FEE CREDIT FOR GLOBAL ENTRY OR TSA PRE✓®
The Centurion® Lounge
Fine Hotels & Resorts® Program
The Hotel Collection
PLATINUM TRAVEL SERVICE
MARRIOTT BONVOY™ GOLD ELITE STATUS
Hilton Honors Gold Status
NO FOREIGN TRANSACTION FEES
Car Rental Privileges
Car Rental Loss and Damage Insurance︎
Premium Global Assist® Hotline
TRIP DELAY
TRIP CANCELLATION
SHOP SAKS WITH PLATINUM
PLATINUM CARD® CONCIERGE
BY INVITATION ONLY®
Global Dining Collection
PREFERRED SEATING
Departures Magazine
INCIRCLE®
COMPLIMENTARY ADDITIONAL GOLD CARD
Card Member Services
Experience Membership Together
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Amex EveryDay®
Sign Up Bonus
10,000 Points
after you spend $2,000 in the first 6 months from account opening
$100 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🛒 2x on Grocery (worth 2%) (up to $6,000)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
18.24% - 29.24% Purchase APR
18.24% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
2.7% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
EARN 20% EXTRA POINTS
Car Rental Loss and Damage Insurance︎
Global Assist® Hotline
Shop with Membership Rewards® Points
Dispute Resolution
Fraud Protection
Year End Summary
PAY IT PLAN IT®
Sign Up Bonus
10,000 Points
after you spend $2,000 in the first 6 months from account opening
$100 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🛒 2x on Grocery (worth 2%) (up to $6,000)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
18.24% - 29.24% Purchase APR
18.24% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 3% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
2.7% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
EARN 20% EXTRA POINTS
Car Rental Loss and Damage Insurance︎
Global Assist® Hotline
Shop with Membership Rewards® Points
Dispute Resolution
Fraud Protection
Year End Summary
PAY IT PLAN IT®
🔽 Expand
Apply on American Express
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Unlimited Cash Rewards World Mastercard
Neil's Review
Rotating 3x categories is the biggest reason for this card
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
♾️ 1.5x on Everything Else
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
Neil's Review
Rotating 3x categories is the biggest reason for this card
Sign Up Bonus
$200
after you spend $1,000 in the first 3 months from account opening
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
♾️ 1.5x on Everything Else
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Travel Rewards Visa Signature
Sign Up Bonus
25,000 Points
after you spend $1,000 in the first 3 months from account opening
$250 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 3x on Air Travel (Bank of America) (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
Sign Up Bonus
25,000 Points
after you spend $1,000 in the first 3 months from account opening
$250 value based on 1¢ per BoA point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 3x on Air Travel (Bank of America) (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on 1¢ per BoA point
Rates
18.24% - 28.24% Purchase APR
18.24% - 28.24% Transfer APR
29.24% Cash Advance APR
Fees
$0 Annual Fee
4% Balance Transfer Fee
$4 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
🔽 Expand
Costco Anywhere Visa® Card by Citi
Neil's Review
Insurance and travel
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
⛽ 4x on Gas (up to $7,000)
🛍️ 4x on EV Charging (up to $7,000)
✈️ 3x on Airlines
✈️ 3x on Hotels
✈️ 3x on Car Rentals
✈️ 3x on Cruises
🍴 3x on Dining
🛍️ 2x on Costco
♾️ 1x on Everything Else
Rates
20.49% Purchase APR
20.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
Neil's Review
Insurance and travel
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
⛽ 4x on Gas (up to $7,000)
🛍️ 4x on EV Charging (up to $7,000)
✈️ 3x on Airlines
✈️ 3x on Hotels
✈️ 3x on Car Rentals
✈️ 3x on Cruises
🍴 3x on Dining
🛍️ 2x on Costco
♾️ 1x on Everything Else
Rates
20.49% Purchase APR
20.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
🔽 Expand
American Express Gold
Sign Up Bonus
90,000 Points
after you spend $6,000 in the first 6 months from account opening
$900 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 4%)
🛒 4x on Grocery (worth 4%) (up to $25,000)
✈️ 3x on Airlines (worth 3%)
🛍️ 3x on amextravel.com (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
21.24% - 29.24% Purchase APR
29.99% Cash Advance APR
Fees
$250 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
Sign Up Bonus
90,000 Points
after you spend $6,000 in the first 6 months from account opening
$900 value based on 1¢ per Membership Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
🍴 4x on Dining (worth 4%)
🛒 4x on Grocery (worth 4%) (up to $25,000)
✈️ 3x on Airlines (worth 3%)
🛍️ 3x on amextravel.com (worth 3%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Membership Rewards point
Rates
21.24% - 29.24% Purchase APR
29.99% Cash Advance APR
Fees
$250 Annual Fee
$10 or 5% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
$120 Dining Credit
No Foreign Transaction Fees
The Hotel Collection
Baggage Insurance Plan
GLOBAL ASSIST® HOTLINE
Car Rental Loss and Damage Insurance
Membership Rewards® Pay With Points
Amex Offers
AMERICAN EXPRESS EXPERIENCES
American Express® Preferred Seating
Card Member Services
Additional Cards
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Neil 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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛍️ 3x on Drugstores (worth 3%)
♾️ 1.5x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
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, Neil may earn a referral bonus.
Prime Visa
Neil's Review
If you have prime membership this is definitely worth it
Sign Up Bonus
100 Points
after you spend $1 in the first month from account opening
$1 value based on 1¢ per Amazon point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Transit (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point
Rates
19.49% - 27.49% Purchase APR
19.49% - 27.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 4% Balance Transfer Fee, whichever is greater
$5 or 4% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Extended Warranty Protection
Purchase Protection
Baggage Delay Insurance
Zero Liability Protection
Travel Accident Insurance
Lost Luggage Reimbursement
Auto Rental Collision Damage Waiver
Neil's Review
If you have prime membership this is definitely worth it
Sign Up Bonus
100 Points
after you spend $1 in the first month from account opening
$1 value based on 1¢ per Amazon point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🛒 5x on Whole Foods (worth 5%)
🛍️ 5x on Amazon (worth 5%)
🍴 2x on Dining (worth 2%)
⛽ 2x on Gas (worth 2%)
✈️ 2x on Transit (worth 2%)
♾️ 1x on Everything Else
Percentages based on 1¢ per Amazon point
Rates
19.49% - 27.49% Purchase APR
19.49% - 27.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 4% Balance Transfer Fee, whichever is greater
$5 or 4% Cash Advance Fee, whichever is greater
$0 Foreign Transaction Fee
$39 Late Payment Fee
$39 Return Payment Fee
Benefits
Extended Warranty Protection
Purchase Protection
Baggage Delay Insurance
Zero Liability Protection
Travel Accident Insurance
Lost Luggage Reimbursement
Auto Rental Collision Damage Waiver
🔽 Expand
Apply on Chase
👆 If you apply with this link and are approved, Neil may earn a referral bonus.
Chase Freedom Flex®
Neil's Review
Great revolving 5% credit card. Bonus categories are worth it. Plus the dining 3x points.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🛍️ 3x on Drugstores (worth 3%)
✈️ 9x on Hotels (Ultimate Rewards) (worth 9%) from Apr 01 to Jun 30 (up to $1,500)
🍴 7x on Dining (worth 7%) from Apr 01 to Jun 30 (up to $1,500)
✈️ 5x on Hotels, Amazon (worth 5%) from Apr 01 to Jun 30 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
Cell Phone Protection
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
The best of your neighborhood.$0 delivery fee.
5% Cash Back on Lyft Rides
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>
Neil's Review
Great revolving 5% credit card. Bonus categories are worth it. Plus the dining 3x points.
Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$200 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🛍️ 3x on Drugstores (worth 3%)
✈️ 9x on Hotels (Ultimate Rewards) (worth 9%) from Apr 01 to Jun 30 (up to $1,500)
🍴 7x on Dining (worth 7%) from Apr 01 to Jun 30 (up to $1,500)
✈️ 5x on Hotels, Amazon (worth 5%) from Apr 01 to Jun 30 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
Cell Phone Protection
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
The best of your neighborhood.$0 delivery fee.
5% Cash Back on Lyft Rides
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, Neil may earn a referral bonus.
Chase Sapphire Preferred®
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛒 3x on Grocery Delivery (worth 3%)
🛍️ 3x on Streaming (worth 3%)
✈️ 2x on Travel (worth 2%)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.99% 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>
Sign Up Bonus
60,000 Points
after you spend $4,000 in the first 3 months from account opening
$600 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 5%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 5%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 5%)
🍴 3x on Dining (worth 3%)
🛒 3x on Grocery Delivery (worth 3%)
🛍️ 3x on Streaming (worth 3%)
✈️ 2x on Travel (worth 2%)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
21.49% - 28.49% Purchase APR
21.49% - 28.49% Transfer APR
29.99% 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, Neil 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
$350 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
🛍️ 5x on Telecommunications, Office Supplies (worth 5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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
$350 value based on Neil's valuation of 1¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Excellent (700+) credit
Rewards
✈️ 5x on Lyft (worth 5%)
🛍️ 5x on Telecommunications, Office Supplies (worth 5%) (up to $25,000)
🍴 2x on Dining, Gas (worth 2%) (up to $25,000)
♾️ 1x on Everything Else
Percentages based on Neil's valuation of 1¢ per Ultimate Rewards point
Rates
18.49% - 24.49% Purchase APR
18.49% - 24.49% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$15 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 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, Neil may earn a referral bonus.
