Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Earning rate: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Why we picked this card: With accelerated rewards on travel, dining and drugstores and a high flat rate on everything else, the Chase Freedom Unlimited^® is one of the most rewarding cards around. It even offers an intro APR on purchases and balance transfers for more than a year, so you can pay off a big purchase or existing debt at a lower interest rate.

If you want to earn a high cash back rate on every purchase you make, the Chase Freedom Unlimited^® could be a great fit. Your rewards can be redeemed for cash, gift cards, travel or products and services.

It’s also a good choice if you want to finance a large purchase or transfer a high-interest balance: It offers a 0% Intro APR on Purchases for 15 months (then an 19.99% - 28.74% Variable APR), as well as a 0% Intro APR on Balance Transfers for 15 months (then an 19.99% - 28.74% Variable APR).

• INTRO OFFER: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
• Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®

Earning rate: Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

Why we picked this card: The Chase Sapphire Preferred^® Card will take you far on your next trip, because of its valuable sign-up bonus, reasonable annual fee of $95 and flexible rewards. If you’re a frequent traveler, you get the benefit of Chase’s different partners and a $50 annual hotel credit.

This card is best if you’re a frequent traveler looking for flexible rewards, since the Chase Sapphire Preferred^® Card has solid reward rates for both travel and dining. This card earns valuable Chase Ultimate Rewards® points, which you can get the most value from by transferring your points to travel partners.

• Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®
• Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months

Earning rate: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Why we picked this card: The Chase Freedom Flex℠ is a highly rewarding cash back card, if you don’t mind keeping up with its quarterly categories. You’ll earn 5% cash back on up to $1,500 in combined purchases in popular spending categories that rotate quarterly — which have included grocery stores, Amazon, gas stations, Walmart, Target and more in the past.

Between its rotating categories and its ongoing rewards on restaurant dining and drugstore purchases, the Chase Freedom Flex℠ is a solid choice all around. You will have to remember to activate the categories each quarter, but Chase will typically send a reminder. There’s a quarterly spending cap of $1,500 on the rotating categories, but that’s $300 in cash back every year just on bonus categories if you max out.

• Earn a $200 bonus after you spend $500 on purchases in the first three months
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earning rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically

Why we picked this card: If you’re a student starting on your credit journey, look no farther than the Discover it^® Student Cash Back, one of the most rewarding cash back cards for students. You can build credit and earn unlimited cash back without paying an annual fee.

If you’re a college student with fair/limited credit, the Discover it^® Student Cash Back is an excellent card to help you establish a credit history and build a great credit score. Building credit now can help you later in life — such as helping you get the best rates on financial products like auto loans and mortgages.

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• No credit score required to apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee and build your credit with responsible use.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
• Click through to Discover’s website to see terms and conditions.

Sign-up bonus: N/A

Intro APR on balance transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers , then 17.99% - 29.99% variable APR.

Balance transfer fee: 5%; min: $5

Why we picked this card: You can get nearly two years of interest-free financing for your purchases and balance transfers with the Wells Fargo Reflect^® Card. You’ll receive 18 months automatically and qualify for an additional three months when you pay at least your minimum monthly payment on time during the introductory period, which is the highest length among major credit card issuers

The Wells Fargo Reflect^® Card is an excellent option if you have a large amount of high interest credit card debt that you’ll need close to two years to pay off. In addition to a long intro APR on balance transfers, the card offers a 0% intro APR 21 months from account opening on purchases. After that, a regular 17.99% - 29.99% variable APR applies.

There is a balance transfer fee of 5%; min: $5 — however, this is an average fee for a balance transfer credit card.

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
• $0 Annual Fee
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
• Select “Apply Now” to learn more about the product features, terms and conditions

Sign-up bonus: No bonus

Earning rate: Non-rewards Card

Why we picked this card: The Capital One Platinum Credit Card reports your credit usage to the three major credit bureaus and automatically begins reviewing your account at six months to see if you qualify for a higher credit limit. Not every card for fair credit offers automatic reviews — so this is an especially helpful feature.

The Capital One Platinum Credit Card is a solid choice if you have fair/limited credit and you want to to get a credit card to improve your credit. This $0-annual-fee card offers free credit monitoring tools and automatic credit line reviews starting at six months.

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
• For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Earning rate: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Why we picked this card: If you’re looking to earn as much as you can at the pump with a dedicated gas card, you’ll be pressed to find a more rewarding option than the Citi Custom Cash℠ Card.

The Citi Custom Cash℠ Card is best if you spend heavily on gas and you’re looking for a card to use specifically on your gas purchases. You’ll earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Gas stations is an eligible highest spend category.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.

Sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Earning rate: Earn unlimited 2% cash rewards on purchases

Why we picked this card: The Wells Fargo Active Cash^® Card is one of the simplest yet most valuable $0-annual fee cards. With its high earning rate across all purchases, this is a great card to use alongside other cash back cards with higher-earning bonus categories.

This card is best for people who want to earn cash back rewards without having to juggle several cards at once. This card’s valuable flat-rate means you can still earn a good amount of cash back on every purchase you make.

• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
• $0 annual fee
• No categories to track or remember and cash rewards don't expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Select “Apply Now” to learn more about the product features, terms and conditions

Sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®

Earning rate: 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Why we picked this card: The Chase Sapphire Preferred^® Card offers one of the most valuable and flexible sign-up bonuses currently available. The bonus is worth $1,000 when redeemed for travel through Chase’s travel portal, or possibly even more when transferred to Chase’s travel partners.

If you’re looking to earn a lot of valuable rewards in a short amount of time, you should consider the Chase Sapphire Preferred^® Card. The card’s points are generally valued at 1 cent each — making the bonus at $800. But when you redeem those points for travel through Chase Ultimate Rewards®, you’ll get a 25% boost in value — making the bonus worth $1,000.

In addition, points can be transferred to a number of travel transfer partners (including United and Southwest Airlines) at a rate of 1:1.

The Chase Sapphire Preferred^® Card does charge an annual fee of $95, but the rewards and benefits can easily cover it, especially in the first year.

• Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®
• Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Earning rate: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.

Why we picked this card: The Blue Cash Preferred^® Card from American Express offers one of the best earning rates on U.S. supermarkets. You can earn $360 cash back on U.S. supermarkets alone with the Blue Cash Preferred^® Card from American Express‘s excellent elevated earning rate.

The Blue Cash Preferred^® Card from American Express is best if you spend a lot at U.S. supermarkets and in other categories like gas and transit. However, your rewards at a higher cash back rate are capped — so you may want another flat-rate cash back card like the Wells Fargo Active Cash^® Card.

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
• Terms Apply.

To see rates & fees for Blue Cash Preferred^® Card from American Express please click here.

Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earning rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Why we picked this card: The Ink Business Cash^® Credit Card offers a great cash back rate on common business purchases and offers a generous welcome bonus and free employee cards.

If you’re a business owner who spends heavily on categories such as office supply stores, internet, cable and phone services, gas and restaurants, the Ink Business Cash^® Credit Card is a winner. If you max out the $25,000 spending cap, you can earn up to $1,250 in cash back in the 5% category alone.

Plus, if you know your business is going to have to make a big purchase in the near future, you can take advantage of this card’s sign-up bonus and intro APR period to make life a little bit easier.

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Sign-up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Earning rate: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Why we picked this card: The Ink Business Preferred^® Credit Card can help business owners rack up a lot of points on their common expenses, like office supply stores and internet and phone services. Its rewards rate is a bit complex, but that could mean serious savings depending on how your business spends.

Pros and cons

The Ink Business Preferred^® Credit Card is best for business owners who travel often and spend a good amount on these categories:

• Travel
• Shipping purchases
• Internet
• Cable and phone services
• Advertising purchases made with social media and search engines

If you travel often for business but you’d prefer a card with a flat, simple rewards rate, the Capital One Spark Miles for Business might be best for you.You can earn 2 Miles per $1 on every purchase, everywhere.

• Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Welcome offer: 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership..

Earning rate: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. .

Why we picked this card: The American Express^® Gold Card offers an excellent rewards rate on restaurants, takeout and delivery in the U.S. and U.S. supermarkets. It also comes with a dining credit up to $120 to use at select restaurants and delivery apps (enrollment required).

The American Express^® Gold Card is best for frequent travelers who often spend on groceries and dining. This card offers excellent rewards on those categories, which you can redeem for valuable travel by transferring to American Express’s airline and hotel partners.

• Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Welcome offer: Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Earning rate: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

Why we picked this card: The Platinum Card^® from American Express offers access to more than 2,500 lounges internationally through The Global Lounge Collection and Priority Pass. Whatever airport you end up at, this card is likely to cover you with lounge access.

The Platinum Card^® from American Express is best for very frequent travelers who love to take advantage of lounge access, travel credits and Global Entry/TSA PreCheck. Individual lounge access can get expensive, so lounge frequenters can save with this card — just make sure you travel enough to justify the $695 annual fee.

• Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
• $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Benefit renews annually.
• $300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
• Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
• $695 annual fee.
• Terms Apply.

Sign-up bonus: N/A

Earning rate: N/A

Why we picked this card: The Lake Michigan Credit Union Prime Platinum has one of the lowest APRs among any credit card at 10.00% – 18.00% (variable) APR. If you can qualify for this credit union card, it’s a great option if you need to carry a balance.