Editor Choice
The Platinum Card® from American Express
Best for luxury travel perks
- Title: The Platinum Card® from American Express
- Subtitle: Best for luxury travel perks
- Issuer: American Express
- Annual Fee: 895.00
- Apr Range: 20.24% – 27.24% variable
- Rewards Rate: 5× points on flights booked directly with airlines or with Amex Travel, 1× on other purchases
- Signup Bonus: Earn 75,000 Membership Rewards® Points after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Perks: Access to the Global Lounge Collection, up to $200 Uber savings annually, up to $200 hotel credit annually, Uber Eats+, Fine Hotels + Resorts benefits
- Foreign Fee: No foreign transaction fees
- Balance Transfer: 0% intro APR for balance transfers for 12 billing cycles
- Penalty Fee: $40 late fee
- Min Credit Score: Excellent (720+)
- Card Type: Travel
- Eligibility Notes: Must have good/excellent credit; US resident 18+
- Description: A premium card that offers high travel perks, luxury benefits, and elite status extras for frequent travelers.
- Pros: - Excellent lounge access and travel credits - Premium partner benefits - Very high fee may not be worth it for light travelers
- Cons: - High annual fee - Annual fee increases seen recently - Benefit usage may require spending to offset cost
- Faq: Q: Does this card have a foreign transaction fee? A: No. Q: What counts as eligible travel purchases? A: Flights booked via Amex or with airlines; see Amex Travel terms.
- Meta Title: American Express Platinum Card – Luxury Travel Card - Best Perks & Lounge Access
- Meta Keywords: Amex Platinum, travel rewards, luxury card, lounge access, airline credits
- Meta Description: Learn about the Amex Platinum card, its perks, fees, and whether it’s worth the cost for travel enthusiasts.
- Reward Type: Points
- Interest Rate: 20.24% – 27.24% variable
- Credit Limit Range: $5,000 – $50,000
- Rating: 4.70
- Updated At: 2025-09-27 07:10:30
Chase Freedom Unlimited®
Best for all-around cash back
- Title: Chase Freedom Unlimited®
- Subtitle: Best for all-around cash back
- Issuer: JPMorgan Chase
- Annual Fee: 0.00
- Apr Range: 18.99% – 28.49% variable
- Rewards Rate: 5% on travel purchased through Chase Travel, 3% dining and drugstore, 1.5% on everything else
- Signup Bonus: Earn $200 after spending $500 in first 3 months
- Perks: No annual fee, useful bonus categories, solid cash back rewards
- Foreign Fee: None
- Balance Transfer: 0% intro APR on purchases and balance transfers for 15 months
- Penalty Fee: $40 late fee
- Min Credit Score: Good (670+)
- Card Type: Cashback
- Eligibility Notes: Must be at least 18, pass credit check, US resident
- Description: A versatile cash back card with strong rewards across multiple everyday categories, plus a valuable intro bonus.
- Pros: - Great rewards on travel & dining - No annual fee - Long 0% intro period for purchases & transfers
- Cons: - Lower rewards on non-bonus categories - APR climbs if you carry a balance
- Faq: Q: Is there an annual fee? A: No. Q: What is the balance transfer fee? A: Usually 3-5%; check current offer.
- Meta Title: Chase Freedom Unlimited Card – Best Cash Back Credit Card 2025
- Meta Keywords: Chase Freedom Unlimited, cash back, no annual fee, travel & dining bonus
- Meta Description: Get great value on travel & everyday spending with Chase Freedom Unlimited; strong bonus categories and no annual fee.
- Reward Type: Cashback
- Interest Rate: 18.99% – 28.49% variable
- Credit Limit Range: $3,000 – $30,000
- Rating: 4.50
- Updated At: 2025-09-27 08:27:30
Wells Fargo Reflect® Card
Best for long 0% intro APR periods
- Title: Wells Fargo Reflect® Card
- Subtitle: Best for long 0% intro APR periods
- Issuer: Wells Fargo
- Annual Fee: 0.00
- Apr Range: 17.24% – 28.99% Variable
- Rewards Rate: Earn no rewards; focus is low interest and long intro periods
- Signup Bonus: N/A
- Perks: 0% intro APR on purchases & qualifying balance transfers for up to 21 months; no annual fee
- Foreign Fee: Typical foreign transaction fees apply
- Balance Transfer: 0% intro APR on purchases and balance transfers for 21 months from account opening, then regular APR
- Penalty Fee: $40 late fee
- Min Credit Score: Good (670+)
- Card Type: Low Interest
- Eligibility Notes: Must be US resident, pass credit check, limit on balance transfer amount/time-window applies
- Description: This card is ideal for people who want to minimize interest charges: long interest-free period, no reward complexity.
- Pros: - Long 0% intro APR period gives breathing room - No annual fee - Good for those with occasional balances
- Cons: - No rewards beyond the intro period - Regular APR gets high after intro ends - Balance transfer fee may apply
- Faq: Q: How long is the intro APR? A: Up to 21 months. Q: Is there an annual fee? A: No.
- Meta Title: Wells Fargo Reflect Card – Best Intro APR Deals 2025
- Meta Keywords: Wells Fargo Reflect, 21 month intro APR, no annual fee, low interest credit card
- Meta Description: Explore the Reflect card for long 0% periods and how it stacks vs reward cards in 2025.
- Reward Type: Interest Saving
- Interest Rate: 17.24% – 28.99% Variable
- Credit Limit Range: $2,000 – $30,000
- Rating: 4.20
- Updated At: 2025-09-27 09:25:57
Editor Choice
Blue Cash Preferred® Card from American Express
Best for families & household purchases
- Title: Blue Cash Preferred® Card from American Express
- Subtitle: Best for families & household purchases
- Issuer: American Express
- Annual Fee: 95.00
- Apr Range: 19.99% – 29.99% Variable
- Rewards Rate: 6% at U.S. supermarkets up to $6,000/year then 1%, 6% on U.S. streaming subscriptions, 3% on transit and U.S. gas stations, 1% on other purchases
- Signup Bonus: Earn $250 statement credit after spending $3,000 in the first 6 months (hypothetical typical offer)
- Perks: Generous cash back in everyday household categories; AmEx Offers; purchase protection
- Foreign Fee: Typical foreign transaction fee applies
- Balance Transfer: 0% intro APR on purchases for 12 months (if currently offered; check latest)
- Penalty Fee: $40 late fee
- Min Credit Score: Good (670+)
- Card Type: Cashback
- Eligibility Notes: AmEx rules apply; bonus categories have caps; must pay balance monthly to avoid APR costs
- Description: A terrific choice for households with high grocery, streaming, and transit spending; offset the fee with strong rewards.
- Pros: - Very high reward rates in key spending areas - Great for families or high grocery/streaming expense - AmEx support & protection perks
- Cons: - Annual fee needs to be offset by rewards - Foreign fees might hurt if you travel a lot - Bonus caps limit rewards somewhat
- Faq: Q: What happens after the grocery cap? A: Then you earn just 1%. Q: Is the annual fee charged every year? Yes unless you cancel.
- Meta Title: Blue Cash Preferred AmEx – Top Cashback for Family Spending 2025
- Meta Keywords: Blue Cash Preferred, AmEx, cashback, family card, groceries, streaming, transit
- Meta Description: Blue Cash Preferred delivers high cash back for families with heavy spending in groceries, streaming & transit; see if it offsets the fee for you.
- Reward Type: Cashback
- Interest Rate: 19.99% – 29.99% Variable
- Credit Limit Range: $5,000 – $40,000
- Rating: 4.40
- Updated At: 2025-09-27 09:26:17