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Top Credit Cards for Excellent Credit in 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated September 29, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

An excellent credit score can help you qualify for the best credit cards on the market, with generous rewards and valuable benefits. Whether you need travel rewards, cash back, an introductory 0% APR period or something else, having excellent credit means higher odds that you’ll be approved. Based on a review of cards available on LendingTree, as well as from top national issuers, we’ve selected the top credit cards for excellent credit in a variety of categories. If you’re wondering what constitutes excellent credit, here are the FICO® Score ranges:

  • Exceptional — 800 or higher
  • Very good — 740 to 799
  • Good — 670 to 739
  • Fair — 580 to 669
  • Poor — less than 580

Once your score hits the very good or exceptional tier, you should be able to qualify for some of the best rates on credit products. Typically, the highest credit score you can get is 850, though some scoring models have different ranges. For example, the FICO Bankcard Score 8 goes up to 900.

Best Credit Cards for Excellent Credit of 2021
Best for cash back Citi® Double Cash Card – 18 month BT offer
Best for heavy spending Alliant Cashback Visa® Signature Credit Card
Best for travel Chase Sapphire Reserve®
Best for dining U.S. Bank Altitude® Go Visa Signature® Card
Best for groceries Blue Cash Preferred® Card from American Express
Best for luxury The Platinum Card® from American Express
Best for hotel stays Hilton Honors American Express Aspire Card
Best for an introductory APR Citi® Diamond Preferred® Card
Best for small businesses Ink Business Preferred℠ Credit Card

Best For Cash back

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card

Apply Now
on Citibank's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 13.99% – 23.99% (Variable)

While there are many credit cards that earn flat-rate rewards, it’s common to earn 1.5% cash back or less per $1 spent. The Citi® Double Cash Card offers better: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. And because the annual fee is $0, all the cash back you earn is net money in your bank account (assuming you don’t incur interest charges or other fees) right from the start. Be aware that unlike some competing flat-rate cards, this one doesn’t give you the full 2% back up front — you earn the second half as long as you make at least the minimum payment each month, but if you’re late on a payment, you’ll sacrifice that extra 1%.

If you don’t want to deal with higher rewards in certain spending categories and lower rewards in others, or having to activate rotating bonus categories each quarter, a flat-rate cashback card like the Citi® Double Cash Card is probably what you want in your wallet. The card also comes with a lengthy intro APR period on balance transfers, so it’s a good choice for those who need to pay off high-interest debt from another credit card. Get 0% for 18 months on balance transfers. After, a 13.99% – 23.99% (variable) APR applies. Note that the balance transfer fee is 3% of each balance transfer; $5 minimum.

  • Citi Entertainment offers special access to sporting events, concerts, dining and more.
  • Obtain your FICO® Score for free.

While there are many credit cards that earn flat-rate rewards, it’s common to earn 1.5% cash back or less per $1 spent. The Citi® Double Cash Card offers better: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. And because the annual fee is $0, all the cash back you earn is net money in your bank account (assuming you don’t incur interest charges or other fees) right from the start. Be aware that unlike some competing flat-rate cards, this one doesn’t give you the full 2% back up front — you earn the second half as long as you make at least the minimum payment each month, but if you’re late on a payment, you’ll sacrifice that extra 1%.

If you don’t want to deal with higher rewards in certain spending categories and lower rewards in others, or having to activate rotating bonus categories each quarter, a flat-rate cashback card like the Citi® Double Cash Card is probably what you want in your wallet. The card also comes with a lengthy intro APR period on balance transfers, so it’s a good choice for those who need to pay off high-interest debt from another credit card. Get 0% for 18 months on balance transfers. After, a 13.99% – 23.99% (variable) APR applies. Note that the balance transfer fee is 3% of each balance transfer; $5 minimum.

  • Citi Entertainment offers special access to sporting events, concerts, dining and more.
  • Obtain your FICO® Score for free.

Best For Heavy spending

Alliant Cashback Visa® Signature Credit Card

Highlights
  • Up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
  • $0 annual fee
  • No foreign transaction fee
  • 12.24% - 22.24% variable APR

If earning 2% back on every purchase isn’t enough to get you excited, check out the Alliant Cashback Visa® Signature Credit Card. Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000).

Note that to earn the 2.5% back rate, you must qualify for Tier One rewards, which means meeting the requirements for an Alliant High-Rate Checking account for each month of the preceding quarter, and keeping an average daily balance of $1,000 or more in that account during the preceding quarter as well.

Otherwise, you’ll earn Tier Two rewards, which means 1.5% back on all eligible purchases.

The card’s annual fee is $0.

This card is best for consumers who can afford to maintain a large amount of cash in a Alliant High-Rate Checking account. Without that ability, you won’t be able to qualify for this card’s elevated cashback rate. That said, those who do qualify will earn a generous flat cashback rate.

Also, you have to join Alliant Credit Union to get this card. Ways to qualify for membership include:

  • If you work for or retired from an eligible employer
  • If you’re related to an Alliant member
  • If you’re a member of certain select organizations
  • If you live or work in a qualifying community in Illinois

 

For consumers unable to qualify through the above methods, Alliant offers the option to join by supporting a partner charity, Foster Care to Success (FC2S). You don’t have to join FC2S separately — when applying for Alliant membership, you can allow the credit union to share your name and contact information with FC2S and pay the $5 membership fee on your behalf.

  • Rental car collision coverage.
  • Roadside assistance.
  • Travel accident coverage.

If earning 2% back on every purchase isn’t enough to get you excited, check out the Alliant Cashback Visa® Signature Credit Card. Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000).

Note that to earn the 2.5% back rate, you must qualify for Tier One rewards, which means meeting the requirements for an Alliant High-Rate Checking account for each month of the preceding quarter, and keeping an average daily balance of $1,000 or more in that account during the preceding quarter as well.

Otherwise, you’ll earn Tier Two rewards, which means 1.5% back on all eligible purchases.

The card’s annual fee is $0.

This card is best for consumers who can afford to maintain a large amount of cash in a Alliant High-Rate Checking account. Without that ability, you won’t be able to qualify for this card’s elevated cashback rate. That said, those who do qualify will earn a generous flat cashback rate.

Also, you have to join Alliant Credit Union to get this card. Ways to qualify for membership include:

  • If you work for or retired from an eligible employer
  • If you’re related to an Alliant member
  • If you’re a member of certain select organizations
  • If you live or work in a qualifying community in Illinois

 

For consumers unable to qualify through the above methods, Alliant offers the option to join by supporting a partner charity, Foster Care to Success (FC2S). You don’t have to join FC2S separately — when applying for Alliant membership, you can allow the credit union to share your name and contact information with FC2S and pay the $5 membership fee on your behalf.

  • Rental car collision coverage.
  • Roadside assistance.
  • Travel accident coverage.
The information related to the Alliant Cashback Visa® Signature Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Travel

Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 16.99%-23.99% Variable

Frequent travelers will find much to love about the Chase Sapphire Reserve® and it is often rated as one of the best rewards cards among travel bloggers. For starters, it offers a $300 annual travel credit, which automatically reimburses cardholders for travel purchases made on the card. Plus, through Dec. 31, 2021, this credit can be used for gas station and grocery purchases. And for rewards, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.

There’s a generous sign-up bonus as well: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. And for cardholders who enroll in an eligible Peloton membership through an enrollment link provided by Chase, earn up to $120 back on that membership as a statement credit. This offer is valid through Dec. 31, 2021.

The Chase Sapphire Reserve® is best for travelers who value flexibility and are willing to pay for a card with premium benefits. With a $550 annual fee, it’s not for someone who travels once or twice a year. Points earned with this card are Chase Ultimate Rewards® points, and when redeemed for travel via the Chase Ultimate Rewards® portal, each point is worth 50% more — for example, 50,000 points are worth $750 toward travel. You can also transfer your points at a 1:1 value to the following travel partners:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

 

You can take this card abroad with no worries, because the foreign transaction fee is $0.

And finally, cardholders get a complimentary membership (enrollment required) in Priority Pass Select, which offers access to more than 1,000 airport lounges in over 500 cities.

  • Up to $100 credit every four years to reimburse Global Entry or TSA PreCheck.
  • Special benefits when staying at properties in the Luxury Hotel & Resort Collection.
  • Trip cancelation/interruption insurance.
  • Trip delay reimbursement.
  • Lost luggage reimbursement.
  • Emergency evacuation and transportation coverage.
  • Auto rental collision damage waiver (primary coverage).
  • Purchase protection for 120 days against damage or theft.
  • Return protection for 90 days on items the store won’t take back.
  • Extended warranty on original manufacturer warranties of three years or less.

Frequent travelers will find much to love about the Chase Sapphire Reserve® and it is often rated as one of the best rewards cards among travel bloggers. For starters, it offers a $300 annual travel credit, which automatically reimburses cardholders for travel purchases made on the card. Plus, through Dec. 31, 2021, this credit can be used for gas station and grocery purchases. And for rewards, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.

There’s a generous sign-up bonus as well: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. And for cardholders who enroll in an eligible Peloton membership through an enrollment link provided by Chase, earn up to $120 back on that membership as a statement credit. This offer is valid through Dec. 31, 2021.

The Chase Sapphire Reserve® is best for travelers who value flexibility and are willing to pay for a card with premium benefits. With a $550 annual fee, it’s not for someone who travels once or twice a year. Points earned with this card are Chase Ultimate Rewards® points, and when redeemed for travel via the Chase Ultimate Rewards® portal, each point is worth 50% more — for example, 50,000 points are worth $750 toward travel. You can also transfer your points at a 1:1 value to the following travel partners:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

 

You can take this card abroad with no worries, because the foreign transaction fee is $0.

And finally, cardholders get a complimentary membership (enrollment required) in Priority Pass Select, which offers access to more than 1,000 airport lounges in over 500 cities.

  • Up to $100 credit every four years to reimburse Global Entry or TSA PreCheck.
  • Special benefits when staying at properties in the Luxury Hotel & Resort Collection.
  • Trip cancelation/interruption insurance.
  • Trip delay reimbursement.
  • Lost luggage reimbursement.
  • Emergency evacuation and transportation coverage.
  • Auto rental collision damage waiver (primary coverage).
  • Purchase protection for 120 days against damage or theft.
  • Return protection for 90 days on items the store won’t take back.
  • Extended warranty on original manufacturer warranties of three years or less.

Best For Dining

U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card

U.S. Bank Altitude® Go Visa Signature® Card

Apply Now
on U.S. Bank's secure site
Intro Purchase APR 0% for 12 billing cycles on purchases*
Annual Fee $0*
Regular Purchase APR 14.99% - 23.99%* (Variable)

Foodies can rake in the points with the U.S. Bank Altitude® Go Visa Signature® Card, all for a $0* annual fee. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

There’s also a sign-up bonus that offers excellent value for a reasonable spend amount. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

If you frequently dine out at restaurants or order a lot of takeout and delivery, the U.S. Bank Altitude® Go Visa Signature® Card can reward you handsomely. It’s also a great choice if you love streaming TV, because there’s an annual $15 streaming credit after 11 consecutive calendar months of eligible streaming service purchases (such as Netflix or Spotify). Note that U.S. Bank may deny applicants who have applied for any credit card in the past six months, or have applied for more than one credit card in the past year.

  • Intro APR of 0% for 12 billing cycles on purchases*. After, a 14.99% - 23.99%* (variable) APR applies.
  • 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After, a 14.99% - 23.99%* (variable) APR applies.
  • Foreign transaction fee: None.

Foodies can rake in the points with the U.S. Bank Altitude® Go Visa Signature® Card, all for a $0* annual fee. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

There’s also a sign-up bonus that offers excellent value for a reasonable spend amount. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

If you frequently dine out at restaurants or order a lot of takeout and delivery, the U.S. Bank Altitude® Go Visa Signature® Card can reward you handsomely. It’s also a great choice if you love streaming TV, because there’s an annual $15 streaming credit after 11 consecutive calendar months of eligible streaming service purchases (such as Netflix or Spotify). Note that U.S. Bank may deny applicants who have applied for any credit card in the past six months, or have applied for more than one credit card in the past year.

  • Intro APR of 0% for 12 billing cycles on purchases*. After, a 14.99% - 23.99%* (variable) APR applies.
  • 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After, a 14.99% - 23.99%* (variable) APR applies.
  • Foreign transaction fee: None.

Best For Groceries

Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 12 months
Annual Fee $0 introductory annual fee for the first year, then $95
Regular Purchase APR 13.99%-23.99% Variable

The Blue Cash Preferred® Card from American Express earns the highest rate on U.S. supermarket purchases of any card we’ve come across, as well as competitive rates on gas and transit. Cardholders can earn 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. Cash back can be redeemed as a statement credit. There’s also a welcome offer, though it has a high spend requirement: $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

If you spend a lot on grocery store purchases, gas and transit, the Blue Cash Preferred® Card from American Express is designed for you. Be aware there’s a $0 introductory annual fee for the first year, then $95. If you spend at least $132 a month on purchases that earn 6% cash back, you can recoup that amount.

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

  • Introductory APR of 0% on purchases for 12 months. After, a 13.99%-23.99% variable APR applies.
  • Car rental loss and damage insurance.
  • Global Assist Hotline when traveling more than 100 miles from home.
  • Return protection for 90 days from purchase on items the seller won’t take back.
  • Exclusive access to Broadway shows, concert tours, sporting events and more.
  • Free two-day shipping on purchases made with ShopRunner when you sign up.
  • Terms apply.

The Blue Cash Preferred® Card from American Express earns the highest rate on U.S. supermarket purchases of any card we’ve come across, as well as competitive rates on gas and transit. Cardholders can earn 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. Cash back can be redeemed as a statement credit. There’s also a welcome offer, though it has a high spend requirement: $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

If you spend a lot on grocery store purchases, gas and transit, the Blue Cash Preferred® Card from American Express is designed for you. Be aware there’s a $0 introductory annual fee for the first year, then $95. If you spend at least $132 a month on purchases that earn 6% cash back, you can recoup that amount.

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

  • Introductory APR of 0% on purchases for 12 months. After, a 13.99%-23.99% variable APR applies.
  • Car rental loss and damage insurance.
  • Global Assist Hotline when traveling more than 100 miles from home.
  • Return protection for 90 days from purchase on items the seller won’t take back.
  • Exclusive access to Broadway shows, concert tours, sporting events and more.
  • Free two-day shipping on purchases made with ShopRunner when you sign up.
  • Terms apply.

Best For Luxury

The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR N/A
Annual Fee $695
Regular Purchase APR See Pay Over Time APR

Earn 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. Plus, earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. There’s also airport lounge access and travel benefits, which we’ll detail next.

Travelers willing to pay a $695 annual fee for a luxury card with top-of-the-line benefits and unparalleled airport lounge access will love the Platinum Card® from American Express. It offers access to the Global Lounge Collection, which includes more than 1,200 lounges across 130 countries and counting.

The Global Lounge Collection includes airport lounges in the following networks:

  • The Centurion Lounge
  • The International American Express Lounges
  • Priority Pass (enrollment required)
  • Escape Lounges
  • Delta Sky Club
  • Plaza Premium
  • Air Space

 

This card also offers flexibility in how you use your rewards. Points earned on the Platinum Card® from American Express can be transferred to the following airline and hotel travel partners, often at a 1:1 ratio:

  • Aer Lingus AerClub
  • AeroMexico Club Premier
  • Air Canada Aeroplan
  • Air France KLM Flying Blue
  • Alitalia MilleMiglia
  • All Nippon Airways ANA Mileage Club
  • Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Delta Air Lines Delta SkyMiles
  • EL AL Israel Airlines EL AL Matmid Frequent Flyer Club
  • Emirates Skywards
  • Etihad Airways Etihad Guest
  • Hawaiian Airlines HawaiianMiles
  • IberiaPlus
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • Virgin Atlantic Flying Club
  • Choice Privileges
  • Hilton Honors
  • Marriott Bonvoy

 

To see rates & fees for the Platinum Card® from American Express please click here.

  • Up to $200 in statement credits each year for incidental charges on one airline (enrollment required).
  • Fee credit of up to $100 every four years to reimburse the Global Entry application fee or of up to $85 every four-and-a-half years to reimburse TSA Precheck.
  • Uber VIP status and $200 in Uber Cash every year for Uber rides or Uber Eats orders.
  • Car rental loss and damage insurance.
  • Complimentary membership in premium car rental programs after enrollment.
  • Premium Global Assist Hotline when traveling more than 100 miles from home.
  • Trip delay coverage.
  • Trip cancellation coverage.
  • Return protection for 90 days on items the merchant won’t take back.
  • Purchase protection for 90 days against theft, loss or accidental damage.
  • Extended warranty on original manufacturer warranties of five years or less.
  • Benefits when you stay at a property in the Fine Hotels & Resorts program.
  • Complimentary Marriott Bonvoy Gold Elite status (enrollment required).
  • Complimentary Hilton Honors Gold status (enrollment required).
  • Platinum Travel Service to help with custom travel itineraries.
  • Platinum Card Concierge to help with everything from dining to shopping.
  • Terms apply.

Earn 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. Plus, earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. There’s also airport lounge access and travel benefits, which we’ll detail next.

Travelers willing to pay a $695 annual fee for a luxury card with top-of-the-line benefits and unparalleled airport lounge access will love the Platinum Card® from American Express. It offers access to the Global Lounge Collection, which includes more than 1,200 lounges across 130 countries and counting.

The Global Lounge Collection includes airport lounges in the following networks:

  • The Centurion Lounge
  • The International American Express Lounges
  • Priority Pass (enrollment required)
  • Escape Lounges
  • Delta Sky Club
  • Plaza Premium
  • Air Space

 

This card also offers flexibility in how you use your rewards. Points earned on the Platinum Card® from American Express can be transferred to the following airline and hotel travel partners, often at a 1:1 ratio:

  • Aer Lingus AerClub
  • AeroMexico Club Premier
  • Air Canada Aeroplan
  • Air France KLM Flying Blue
  • Alitalia MilleMiglia
  • All Nippon Airways ANA Mileage Club
  • Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Delta Air Lines Delta SkyMiles
  • EL AL Israel Airlines EL AL Matmid Frequent Flyer Club
  • Emirates Skywards
  • Etihad Airways Etihad Guest
  • Hawaiian Airlines HawaiianMiles
  • IberiaPlus
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • Virgin Atlantic Flying Club
  • Choice Privileges
  • Hilton Honors
  • Marriott Bonvoy

 

To see rates & fees for the Platinum Card® from American Express please click here.

  • Up to $200 in statement credits each year for incidental charges on one airline (enrollment required).
  • Fee credit of up to $100 every four years to reimburse the Global Entry application fee or of up to $85 every four-and-a-half years to reimburse TSA Precheck.
  • Uber VIP status and $200 in Uber Cash every year for Uber rides or Uber Eats orders.
  • Car rental loss and damage insurance.
  • Complimentary membership in premium car rental programs after enrollment.
  • Premium Global Assist Hotline when traveling more than 100 miles from home.
  • Trip delay coverage.
  • Trip cancellation coverage.
  • Return protection for 90 days on items the merchant won’t take back.
  • Purchase protection for 90 days against theft, loss or accidental damage.
  • Extended warranty on original manufacturer warranties of five years or less.
  • Benefits when you stay at a property in the Fine Hotels & Resorts program.
  • Complimentary Marriott Bonvoy Gold Elite status (enrollment required).
  • Complimentary Hilton Honors Gold status (enrollment required).
  • Platinum Travel Service to help with custom travel itineraries.
  • Platinum Card Concierge to help with everything from dining to shopping.
  • Terms apply.

Best For Hotel stays

Hilton Honors American Express Aspire Card

Highlights
  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status
  • One Weekend Night Reward at a hotel or resort in the Hilton portfolio with your new Card and each year of Card Membership
  • A second Weekend Night Reward at a hotel or resort in the Hilton portfolio after spending $60,000 in purchases on the Card in a calendar year
  • Unlimited Priority Pass™Lounge passes to ease the airport experience
  • $250 Airline incidental fee statement credit
  • $250 Hilton resort statement credit
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • Access to 24/7 American Express concierge
  • No foreign transaction fees

This card earns handsomely on Hilton stays: 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort. Plus, earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

The Hilton Honors American Express Aspire Card is aimed at travelers who frequent Hilton properties and don’t mind paying a $450 annual fee for a card with luxury travel benefits. Cardholders get complimentary Hilton Honors Diamond status, which comes with benefits such as 100% bonus points on all base points you earn, room upgrades and more. Plus, you can get one weekend night reward every year after your card renewal, as well as earn an additional night if you spend $60,000 on purchases in a calendar year.

 

  • Up to $250 in statement credits each year for purchases at participating Hilton Resorts.
  • Up to $250 in statement credits each year for incidental charges on one airline.
  • Up to $100 in credits for charges at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when you book two nights or more via hiltonhonorsaspirecard.com.
  • Unlimited lounge visits for you and up to two guests with a complimentary Priority Pass Select membership, which provides access to more than 1,200 airport lounges.
  • Car rental loss and damage insurance.
  • Premium Global Assist Hotline when traveling more than 100 miles from home.
  • Baggage insurance plan.
  • Return protection for 90 days on items the merchant won’t take back.
  • Access to Broadway shows, concert tours, sporting events and more.
  • Concierge service to help with dining reservations, entertainment and more.
  • Terms apply.

This card earns handsomely on Hilton stays: 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort. Plus, earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

The Hilton Honors American Express Aspire Card is aimed at travelers who frequent Hilton properties and don’t mind paying a $450 annual fee for a card with luxury travel benefits. Cardholders get complimentary Hilton Honors Diamond status, which comes with benefits such as 100% bonus points on all base points you earn, room upgrades and more. Plus, you can get one weekend night reward every year after your card renewal, as well as earn an additional night if you spend $60,000 on purchases in a calendar year.

 

  • Up to $250 in statement credits each year for purchases at participating Hilton Resorts.
  • Up to $250 in statement credits each year for incidental charges on one airline.
  • Up to $100 in credits for charges at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when you book two nights or more via hiltonhonorsaspirecard.com.
  • Unlimited lounge visits for you and up to two guests with a complimentary Priority Pass Select membership, which provides access to more than 1,200 airport lounges.
  • Car rental loss and damage insurance.
  • Premium Global Assist Hotline when traveling more than 100 miles from home.
  • Baggage insurance plan.
  • Return protection for 90 days on items the merchant won’t take back.
  • Access to Broadway shows, concert tours, sporting events and more.
  • Concierge service to help with dining reservations, entertainment and more.
  • Terms apply.
The information related to the Hilton Honors American Express Aspire Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Introductory APR

Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card

Citi® Diamond Preferred® Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 13.74% - 23.74% (Variable)

It’s hard to beat this card’s intro APR period of 0% for 21 months on balance transfers. After, a 13.74% - 23.74% (variable) APR applies. There’s also a great intro APR period for purchases: 0% for 12 months on purchases. After, a 13.74% - 23.74% (variable) APR applies. There are no rewards, but if you need a card that charges no interest for well over a year, the Citi® Diamond Preferred® Card is an excellent option.

If you’re carrying high-interest debt on another credit card, doing a balance transfer to the Citi® Diamond Preferred® Card could help you become debt-free more quickly by giving you a period of time where your payments go entirely to the principal of the debt, rather than toward interest charges first and then the principal. Note that a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. However, depending on what you’re paying in interest charges while carrying a balance, you might still save money after paying the balance transfer fee on this card. Note that you cannot transfer debt from another card issued by Citi. Finally, the Citi® Diamond Preferred® Card is also a solid choice if you’re planning a big purchase and would like to spread the payments out over time without incurring interest.

  • Citi Entertainment offers special access to sporting events, concerts, dining and more.
  • This card works with digital wallets including Apple Pay, Google Pay and Samsung Pay.

It’s hard to beat this card’s intro APR period of 0% for 21 months on balance transfers. After, a 13.74% - 23.74% (variable) APR applies. There’s also a great intro APR period for purchases: 0% for 12 months on purchases. After, a 13.74% - 23.74% (variable) APR applies. There are no rewards, but if you need a card that charges no interest for well over a year, the Citi® Diamond Preferred® Card is an excellent option.

If you’re carrying high-interest debt on another credit card, doing a balance transfer to the Citi® Diamond Preferred® Card could help you become debt-free more quickly by giving you a period of time where your payments go entirely to the principal of the debt, rather than toward interest charges first and then the principal. Note that a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. However, depending on what you’re paying in interest charges while carrying a balance, you might still save money after paying the balance transfer fee on this card. Note that you cannot transfer debt from another card issued by Citi. Finally, the Citi® Diamond Preferred® Card is also a solid choice if you’re planning a big purchase and would like to spread the payments out over time without incurring interest.

  • Citi Entertainment offers special access to sporting events, concerts, dining and more.
  • This card works with digital wallets including Apple Pay, Google Pay and Samsung Pay.

Best For Small businesses

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99%-20.99% Variable

This card from Chase offers a versatile rewards program: 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. There’s a sign-up bonus, too: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Business owners who want rewards in a variety of categories and who desire flexibility in how they can use rewards will appreciate the Ink Business Preferred℠ Credit Card. Like the Chase Sapphire Reserve®, it earns Chase Ultimate Rewards® points. When redeemed for travel through the Chase Ultimate Rewards® portal, points are worth 25% more. For example, 100,000 points redeemed through the portal are worth $1,250 in travel. You can also transfer points at a 1:1 value to a variety of airline and hotel travel partners.

  • Foreign transaction fee of $0.
  • Cellphone protection of up to $600 per claim with a $100 deductible.
  • Trip cancelation/trip interruption insurance.
  • Auto rental collision damage waiver.
  • Roadside dispatch.
  • Purchase protection for 120 days against damage or theft.
  • Extended warranty on manufacturer warranties of three years or less.
  • Employee cards at no additional cost.

This card from Chase offers a versatile rewards program: 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. There’s a sign-up bonus, too: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Business owners who want rewards in a variety of categories and who desire flexibility in how they can use rewards will appreciate the Ink Business Preferred℠ Credit Card. Like the Chase Sapphire Reserve®, it earns Chase Ultimate Rewards® points. When redeemed for travel through the Chase Ultimate Rewards® portal, points are worth 25% more. For example, 100,000 points redeemed through the portal are worth $1,250 in travel. You can also transfer points at a 1:1 value to a variety of airline and hotel travel partners.

  • Foreign transaction fee of $0.
  • Cellphone protection of up to $600 per claim with a $100 deductible.
  • Trip cancelation/trip interruption insurance.
  • Auto rental collision damage waiver.
  • Roadside dispatch.
  • Purchase protection for 120 days against damage or theft.
  • Extended warranty on manufacturer warranties of three years or less.
  • Employee cards at no additional cost.

Glen Luke Flanagan

Overview

Glen Luke Flanagan covers credit card news for LendingTree.com. He joined the team in June 2019. His work ranges from reviews of new cards to in-depth pieces on protecting your financial information, and his background is in journalism and government communications. 

Experience

As a journalist in North Carolina and South Carolina, Glen covered topics including city government, state government, local businesses, public safety and more. During his time at The State newspaper, Glen’s work appeared on the websites of newspapers across the United States owned by The McClatchy Company. His reporting at The News Herald and The State newspaper won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Education

Glen earned his B.A. in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. After graduation, he participated in a Dow Jones News Fund training and internship. Out of more than 600 applicants, only 86 were accepted into the DJNF program that summer. He was later one of approximately two dozen fellows selected from journalists across the country to participate in the University of South Carolina’s 2016 Media Law School, which was sponsored by the American Board of Trial Advocates. This program gave fellows an intensive crash course in public records, bankruptcy law, podcasts and more.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.