OMAAT Top Credit Card Picks
Business Card Perks
The Business Platinum Card® from American Express
Earn 120,000 Membership Rewards® Points
Business Card Perks
- Earn 1.5x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers.
It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending.
The card offers big benefits but also has a steep annual fee.
When it comes to accounting for the value of the card, I recommend considering the following:
- How much do you value the various credits?
- How much do you value the Marriott and Hilton Gold status?
- How much value will you get from Amex Fine Hotels & Resorts and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X points for each eligible purchase of $5,000 or more and every dollar spent on Eligible U.S. purchases in these select business categories (Earn 1.5X on up to $2 million of these purchases per calendar year):
- Construction material and hardware suppliers
- Electronic goods retailers and software & cloud system providers
- Shipping providers
- Earn 1x points per dollar spent on all other purchases
Foreign Transaction Fee:
None
Annual Fee:
$595 ($695 if application is received on or after 01/13/2022)
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
- $595 Annual Fee ($695 if application is received on or after 01/13/2022).
- Terms Apply.
Earn
120,000
Membership Rewards Points
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Best Bonus
Ink Business Preferred® Credit Card
Earn 100,000 bonus points
Best Bonus
- Earn 3x points on travel
- Earn 3x points on shipping purchases
- Cell Phone Protection
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection.
While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
- 3x Ultimate Rewards points on travel
- 3x Ultimate Rewards points on shipping purchases
- 3x Ultimate Rewards points on internet, cable and phone services
- 3x Ultimate Rewards points on advertising purchases made with social media sites and search engines
Foreign Transaction Fee:
$0
Annual Fee:
$95
Purchase APR:
15.99%-20.99%Variable
N/A
- 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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.
Earn
100,000
Chase Ultimate Rewards
- 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases within the first three months of account opening.
Lounge Access
The Platinum Card® from American Express
Earn 100,000 Membership Rewards® Points
Lounge Access
- Earn 5x points on flights purchased directly from airlines or through Amex Travel (up to $500k/year)
- $200 Annual Uber Credit
- Amex Centurion Lounge Access
I love my Amex Platinum Card and find it well worth the annual fee. I think it can definitely be worth getting, though I also do think most people are using this card wrong. This isn’t a card you should be using for all of your credit card spending, but rather it’s a card you should get for the perks that it offers, as well as the 5x points on airfare.
To decide if you should get the card, take the $695 annual fee, subtract how much value you’d get out of the credits, and then consider how much more you value the other perks of the card, including the great lounge access benefit.
For a frequent traveler or anyone who buys international premium cabin tickets with any frequency, I think the card is well worth it.
And even for those who don’t, I’d argue the card could be worth it right now -- especially with the incredible bonus that includes 10x points in popular categories
- Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during 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.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Earn 1x points per dollar spent on all other purchases
Foreign Transaction Fee:
None
Annual Fee:
$695
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during 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 $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: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $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.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
Earn
100,000
Membership Rewards Points
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Free Hotel Night
World of Hyatt Credit Card
Earn up to 60,000 Bonus Points
Free Hotel Night
- Earn 4x Points at Hyatt Properties
- Free Night Every Year
- Complimentary Discoverist Status
The World of Hyatt Credit Card is exceptional. It’s a card I have, and also a card I spend at least $15,000 on per year.
The card is worth having even if you don’t plan on putting spending on it — you get an anniversary free night certificate you can use at a hotel that costs significantly more than the annual fee, you get complimentary Discoverist status, and you get five elite nights towards a higher status tier.
Beyond that it can be worth putting spending on the card, thanks to the unique bonus categories (4x points on Hyatt stays and 2x points on fitness and gyms), as well as the additional elite nights and second free night certificate.
The card is worth holding onto for the anniversary free night certificate and the five elite nights towards status annually, which more than justify the annual fee, not to mention the pathway to elite status based on your spending.
- 4x points for spending at Hyatt hotels and resorts
- 2x points for restaurant spending globally
- 2x points on airline tickets purchased directly from airlines
- 2x points on fitness clubs and gym memberships
- 2x points on local transit and commuting
- 1x points on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Earn
60,000
World of Hyatt Points
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
United Award Booking
United Club℠ Infinite Card
Earn 100,000 bonus miles
United Award Booking
- Earn 4x miles on United purchases
- United Club℠ Access
- Earn PQPs Towards Status
This card can unlock significant value with the United Club membership alone. When you add in all the other benefits, this card is hard to beat for anyone who travels on United with any frequency.
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining including eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$525
Intro Purchase APR:
N/A
N/A
- Earn 100,000 Bonus Miles.
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining including eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry or TSA PreCheck® fee credit
- Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Infinite Card.
Earn
100,000
United miles
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Dining
American Express® Gold Card
Earn 60,000 Membership Rewards® points
Dining
- 4x points at restaurants
- 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
- 3x points on flights booked directly with airlines or through amextravel.com
The Amex Gold Card is one of American Express’ best credit cards for earning points. With 4x points at restaurants and 4x points at U.S. supermarkets (up to $25,000 annually), earning Membership Rewards points is easy.
The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up to a $120 annual dining credit, plus multiple Uber benefits, which I find to be very worthwhile.
- 4X Membership Rewards® Points at Restaurants, including takeout and delivery
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- 3x Membership Rewards points on flights booked directly with airlines or through amextravel.com
Annual Fee:
$250
Purchase APR:
See Pay Over Time APR
Balance Transfer APR:
N/A
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Earn
60,000
Membership Rewards Points
60,000 Membership Rewards points after spending $4,000 within six months
Starter Card
Chase Sapphire Preferred® Card
Earn 60,000 bonus points
Starter Card
- 5x total points on travel purchased through Chase Ultimate Rewards®
- 3x points on dining
- 2x points on travel purchases
The Chase Sapphire Preferred has been around for about a decade, and continues to be one of the most well-rounded credit cards for beginners and those looking for travel rewards.
The Chase Sapphire Preferred offers generous rewards on dining and travel, great customer service, and some other useful perks.
- 5X points on travel purchased through Chase Ultimate Rewards®
- 3X points on dining
- 2X points on all other travel purchases
- 1 point per dollar spent on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Earn
60,000
Chase Ultimate Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Marriott Perks
Marriott Bonvoy Brilliant™ American Express® Card
Earn 75,000 bonus points + up to $200 in Statement Credits
Marriott Perks
- Earn 6x points at Marriott hotels globally
- $300 Marriott Bonvoy Statement Credit
- Annual Free Night Award
The Bonvoy Brilliant Card is Marriott’s most premium credit card. The card has a $450 annual fee, but offers perks like a $300 annual Marriott credit and annual free night certificate valid at a property costing up to 50K points, which should more than justify the annual fee.
Add in all the money-saving offers available with Amex Offers, and you should easily come out ahead with this card.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- Earn 3 points at U.S. restaurants and on flights booked directly with airlines.
- Earn 2 points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$450
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees.
- $450 Annual Fee.
- Terms Apply.
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
Annual Free Night
IHG® Rewards Club Premier Credit Card
Earn 125,000 bonus points
Annual Free Night
- Earn 10x points at IHG hotels
- Anniversary Free Night
- IHG Rewards Club Platinum Status
The IHG Premier Card is a card that I highly recommend getting. Not because it makes sense to put a lot of spending on the card long term (especially with the recent devaluation of points), but because the anniversary free night certificate can be worth way more than the ongoing $89 annual fee.
Add in the IHG Platinum status, fourth night free on award redemptions, Global Entry/TSA Pre-Check credit, and more, and this card is a no brainer. Add in the great bonus at the moment, and the card is even more valuable.
I know some people are opposed to having a lot of credit cards, but often it can make sense to have some cards just for the perks they offer, even if they’re not worth spending much money on. This is one of those cards.
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
- Earn 1 point per $1 spent on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$89
Purchase APR:
15.99% - 22.99%Variable
N/A
- Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening/li>
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry or TSA Pre✔® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Earn
125,000
IHG Rewards Points
Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
Premium Card
Chase Sapphire Reserve®
Earn 50,000 bonus points
Premium Card
- 3x points on Travel after the $300 Annual Travel Credit
- 3x points on Dining
- $300 Travel Credit
The Sapphire Reserve is a staple in any Chase Ultimate Rewards earning portfolio. 3x points on dining and travel + at least a 1.5 cent per point value when you redeem for travel is excellent. The ability to combine points from other Ultimate Rewards earning cards to maximize your return makes this card all that more valuable. Oh, and you can transfer to airline/hotel partners. Sweet.
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
Earn 1 point per $1 spent on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$550
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- 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
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✔®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earn
50,000
Chase Ultimate Rewards
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Night Award
Marriott Bonvoy Business™ American Express® Card
75,000 Bonus Points + up to $150 in Statement Credits
Night Award
- Earn 6x points at Marriott
- Free Night Award Annually
- 15 Elite Nights Towards Status Annually
The Marriott Bonvoy Business Card is a strong contender for a business card to hold on to long term. The 15 elite nights towards status (which can be stacked with a similar offer on a personal card), as well as an annual free night award are a great value proposition. I value those perks at way more than the $125 annual fee.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$125
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Hotel
Hilton Honors American Express Card
Up to 130,000 Points
Hotel
- Earn 7x points at Hilton Hotels
- Hilton Honors Silver Status
- Hilton Honors Gold Status With Spending
The Hilton Honors Card from American Express is a great no annual fee card. The card has an excellent welcome bonus, offers 3-7x points per dollar spent, gets you Hilton Honors Silver status, and gives you access to Amex Offers.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
OMAAT Resources
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
- Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- No Annual Fee.
- Terms Apply.
Earn
Up to 130,000
Hilton Honors Points
Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
5x Points Categories
Chase Freedom Flex℠
Earn $200 cash back
5x Points Categories
- Earn 3% Cash Back on Dining, Takeout and Eligible Delivery Services
- Earn 5% Cash Back at Grocery Stores (excluding Target®, Walmart®)
- Earn 5% Cash Back with Select Streaming Services
The Freedom Flex Card is a phenomenal new card that offers great bonuses for spending on travel, dining and drugstores.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%then a 14.99% - 24.74% variable APR
Intro Balance Transfer APR:
0% Intro APR on Purchases for 15 months from account opening, then a 14.99% - 24.74% variable APR
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%.
- No annual fee
Earn
$200
Cash Back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Drugstores
Chase Freedom Unlimited®
Earn $200 cash back
Drugstores
- Earn 3% Cash Back on Dining
- Earn 3% Cash Back at Drugstores
- Earn 1.5% Cash Back On All Other Purchases
The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve.
Let me make my advice as concise as possible here: if you have the Sapphire Preferred or Sapphire Reserve, then you absolutely should have the Freedom Unlimited so you’re maximizing your return on everyday, non-bonused spending. Earning 1.5x Ultimate Rewards points per dollar is excellent.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%.then a 14.99% - 24.74% variable APR
Intro Balance Transfer APR:
0% Intro APR on Purchases for 15 months from account opening, then a 14.99% - 24.74% variable APR
- $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% on travel purchased through Chase Ultimate Rewards®
- Unlimited 1.5% cash back on all other purchases
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%.
- No annual fee
Earn
$200
Cash Back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.