Credit cards are one of the easiest ways to get a chunk of your spending back, usually in the form of cash-back, points, or miles rewards.
But with a dizzying array of credit cards with various pros and cons, how can you know if a credit card is worth it for your needs?
Most worthwhile credit cards come with an annual fee, though that doesn’t mean that every credit card with an annual fee is worth it.
Similarly, many credit cards without an annual fee are worth spending on, while other no-annual-fee cards may not make the most of your purchases.
In this guide, we’ll help you demystify just how much you need to spend on a given credit card for it to be worth it — it’s all about break-even spending!
How Much Do You Have To Spend on a Credit Card To Break Even?
To calculate the break-even point for a credit card, we’ll look only at how much you have to spend for your rewards to offset the annual fee. This calculation excludes credit card benefits with a subjective valuation (like annual free night certificates). Calculating based on rewards spending, annual fee, and objectively-valued benefits offers an apples-to-apples comparison.
For example, a flexible $300 travel credit should be valued as such, while the value of a complimentary Priority Pass Select membership is subject to each member’s travel habits. Using a Priority Pass Select membership 20 times per year is a lot more valuable than using it once a year, for example.
Then, we will use our points and miles valuations to figure out how much you need to spend for the break-even point to be reached on a credit card.
We also won’t look at any welcome bonuses because almost all welcome bonuses make it worthwhile to hold a card for at least a year.
Break-even Points on Popular Chase and Amex Cards
Break-even Point for the Chase Sapphire Reserve®
Chase Sapphire Reserve®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve®is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
- 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
- 10x points on Lyft purchases March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
- 5x points on airfare booked via the Chase Ultimate Rewards portal
- 3x points on all other travel and dining purchases; 1x point on all other purchases
- $300 annual travel credit
- Priority Pass airport lounge access
- TSA PreCheck, Global Entry, or NEXUS credit
- Access to Chase Luxury Hotel and Resort Collection
- Rental car elite status with National and Avis
Cons
- $550annual fee
- Does not offer any sort of hotel elite status
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights 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, 60,000 points are worth $900 toward travel
- 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 every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Chase Sapphire Reserve 100k Bonus Offer
- Chase Sapphire Reserve Benefits
- Chase Sapphire Reserve Airport Lounge Access
- Chase Sapphire Reserve Travel Insurance Benefits
- Chase Sapphire Reserve Military Benefits
- Amex Gold vs Chase Sapphire Reserve
- Amex Platinum vs Chase Sapphire Reserve
- Chase Sapphire Preferred vs Reserve
- Best Credit Cards for Military
- Best Credit Cards for Airport Lounge Access
- Best Credit Cards for Car Rental Insurance
- Best High Limit Credit Cards
The Chase Sapphire Reserve card comes with an annual fee of $550. It also has a $300 annual travel credit, which can easily be used flexibly.
So our “effective” annual fee is $250, which is $550 minus $300.
For the Chase Sapphire Reserve card to be worth it, we’ll need to accumulate at least 12,500 Chase Ultimate Rewards points, which are worth $250 by our valuations.
That means in a given year, you’ll need to spend $4,167 on 3x categories like travel (excluding the $300 travel credit) and dining for it to make sense.
Break-even Point for the Chase Sapphire Preferred® Card
POPULAR FIRST CARD
Chase Sapphire Preferred® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
- 5x points on all travel booked via the Chase Ultimate Rewards portal
- 5x points on select Peloton purchases over $250 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
- 3x points on dining purchases, online grocery purchases, and select streaming services
- 2x points on all other travel worldwide
- $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
- 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
- Excellent travel and car rental insurance
- 10% annual bonus points
- No foreigntransaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
- Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
- $95annual fee
- No elite benefits like airport lounge access orhotel elite status
- 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 benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- The Chase Sapphire Preferred 80k or 100k Bonus Offer
- Benefits of the Chase Sapphire Preferred
- Chase Sapphire Preferred Credit Score Requirements
- Military Benefits of the Chase Sapphire Preferred
- Chase Freedom Unlimited vs Sapphire Preferred
- Chase Sapphire Preferred vs Reserve
- Amex Gold vs Chase Sapphire Preferred
- Best Credit Cards for Car Rental Insurance
- Best Metal Credit Cards
- Best Credit Cards for Military
- Best Credit Cards with Travel Insurance
- Best High Limit Credit Cards
The Chase Sapphire Preferred card has a mild annual fee of $95. It comes with a $50 annual Ultimate Rewards hotel credit, which we consider to be worth face value.
That means the effective annual fee is $45.
With the ability to earn 3x points on online grocery purchases, dining, and select streaming services, you only need to spend $750 per year to break even on this card.
Similarly, if you earn 5x points on Lyft purchases (through March 31, 2025) and travel purchased through Chase (excluding the $50 hotel credit), you’ll only need to spend $450 per year to break even.
Lastly, you could spend $1,125 on other travel purchases (2x points) to break even.
Break-even Point for The Platinum Card® from American Express
BEST LOUNGE ACCESS
The Platinum Card® from American Express
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
(at Amex's secure site)
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum cardis a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
- The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
- 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
- 5x points per $1 spent on prepaid hotels booked with American Express Travel
- Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
- TSA PreCheck or Global Entry credit
- Access to American Express Fine Hotels and Resorts
- Access to Amex International Airline Program
- No foreign transaction fees (rates and fees)
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- 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®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $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 Platinum 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.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $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 $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. 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®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Amex Platinum 150k Welcome Bonus Offer
- Benefits of The Amex Platinum
- How to Use 100,000 Amex Platinum Points
- Amex Platinum Card Requirements
- American Express Platinum Military Benefits
- Amex Platinum and Business Platinum Lounge Access
- Amex Platinum Benefits for Authorized Users
- Amex Platinum vs Delta Platinum
- Amex Platinum vs Chase Sapphire Reserve
- Capital One Venture X vs Amex Platinum
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Hot Tip:Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Platinum card is one of the most exclusive cards with tons of luxury travel benefits.
Sure, it has a $695 annual fee, but it also has an incredible range of benefits that deliver lots of value (see rates & fees).
For our purposes, we’ll consider up to $200 prepaid hotel credit on eligible stays, the $189 CLEAR Plus credit, and up to $200 Uber Cash benefit to be face value. Therefore, the effective annual fee is $106.
The Amex Platinum card earns 5x Membership Rewards points on flights booked directly with airlines, as well as flights and prepaid hotels booked with AmexTravel.com. Note that there is a cap of 5x earnings on flights booked directly with airlines or AmexTravel.com to up to $500,000 on these purchases per calendar year.
According to our valuations, you’d need to spend around $964 every year on qualifying flight and hotel bookings to offset the fee.
Alternatively, you could spend around $4,818 per year on non-bonused purchases to reach the Amex Platinum card’s break-even point.
Bottom Line: For this analysis, we excluded a lot of high-value perks and benefits of the Amex Platinum card. For most people interested in luxury travel, it makes sense to keep this card open even if you don’t make a single purchase on the card!
Break-even Point for the American Express® Gold Card
BEST FOR DINING
American Express® Gold Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
(at Amex's secure site)
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The American Express® Gold Cardis a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
- 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
- 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
- 3x points per $1 on flights purchased directly from airlines or at Amex Travel
- Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
- Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
- No foreign transaction fees (see rates and fees)
- Access to Amex’s The Hotel Collection
- Access to American Express transfer partners
Cons
- $250 annual fee (see rates and fees)
- No lounge access
- Earn 60,000 Membership Rewards® points after you spend $6,000 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.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Find the Amex Gold 75k or 90k Welcome Bonus Offer
- Benefits of the Amex Gold
- Upgrade Amex Gold to Amex Platinum
- Amex Gold Benefits for Military
- Amex Gold vs Blue Cash Preferred
- Amex Platinum vs Amex Gold
- Amex Gold vs Delta Gold
- Best Credit Cards for Military
- Best Credit Cards for Groceries and Supermarkets
- Best Luxury and Premium Credit Cards
- Best Metal Credit Cards
- Best High Limit Credit Cards
Hot Tip:Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Gold cardis one of the best cards out there, thanks to a generous rewards structure.
The card comes with a $250 annual fee, though we subtracted $120 for the up to $10 monthly Uber Cash benefit that can be used on Uber Eats orders or Uber rides in the U.S. (see rates & fees).
We didn’t value the $10 per month dining credit at face value, since the only flexible way to use it is at Grubhub, even though it’s also valid atThe Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required.
So the effective annual fee is $130.
Since holders earn 4x points at restaurants worldwide, 4x points on U.S. supermarkets (up to $25,000 in spending every calendar year), and up to 3x points on flights booked directly with the airline or with AmexTravel.com, you’ll need to spend the following amounts every year to reach the break-even point:
- $1,477 at restaurants or U.S. supermarkets OR
- $1,970 on flights booked directly with the airline or with AmexTravel.com OR
- $5,909 on other purchases
Bottom Line: If you can use the $10 monthly dining creditand the $10 monthly Uber Cash, having the Amex Gold card open is almost a no-brainer! We didn’t factor in the $10 monthly dining credit in our analysis, but the Amex Gold card is an excellent card to have if you spend a lot on dining, supermarkets, and flights.
Break-even Points on Other Cards by Issuer
The card products we discussed above are the most popular ones out there. But what about all of the other cards?
In this section, we’ll show you how much you have to spend on all the other major rewards cards available to break even.
Hot Tip: Different cards offer various benefits, including statement credits. And while some statement credits are more useful than others, we factored the statement credits we believe to be worth face value in calculating the break-even points of each card.
American Express
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| Card Name | Annual Fee | Effective Annual Fee | Bonus Categories | Break-even Spending Required (Yearly) |
| The American Express Blue Business Cash™ Card | $0 rates & fees | $0 | 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash-back is automatically credited to your statement. | None |
| American Express® Business Gold Card | $295 ($375 if application is received on or after 2/1/24) rates & fees | $295 ($375 if application is received on or after 2/1/24) |
| $3,352 in combined 4x categories OR $13,409 in non-bonused purchases |
| American Express® Green Card | $150 | $150 | 3x points at restaurants, transit, and travel 1x points on all other purchases | $2,272 in combined purchases on 3x categories OR $6,818 in non-bonused purchases |
| The Blue Business® Plus Credit Card from American Express | $0 rates & fees | $0 | 2x points on the first $50,000 spent in purchases each year | None |
| Blue Cash Everyday® Card from American Express* | $0 rates & fees | $0 | 3% cash-back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) 3% cash-back at U.S. gas stations on up to $6,000 per year in purchases (then 1%) 3% cash-back at U.S. online retailers on up to $6,000 per year in purchases (then 1%) 1% on all other purchases | None |
| Blue Cash Preferred® Card from American Express | $0 intro annual fee for the first year, then $95 rates & fees | $95 | 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and select U.S. streaming subscriptions 3% cash-back on transit, including:
3% cash-back at U.S. gas stations 1% cash-back on all other purchases | $1,583 at U.S. supermarkets and U.S. streaming subscriptions OR $3,167 on transit and at U.S. gas stations OR $9,500 in non-bonused purchases |
| Business Green Rewards Card from American Express* | $0 introductory annual fee for the first year, then $95 | $95 | 2x points on eligible purchases at AmexTravel.com 1x points on all other purchases | $2,159 on AmexTravel.com OR $4,318 in non-bonused purchases |
| The Business Platinum Card® from American Express | $695 rates & fees | $106 (from $189 CLEAR Plus credit and $400 in Dell credits) | 5x points on flights and prepaid hotels booked on AmexTravel.com 1.5x points (up to $2 million of these purchases per calendar year) at:
1x points on all other purchases | $963 on flights and prepaid hotels booked on AmexTravel.com OR $3,212 in combined purchases on 1.5x categories OR $4,818 in non-bonused purchases |
| Delta SkyMiles® Blue American Express Card | $0 rates & fees | $0 | 2x miles at restaurants andpurchases made directly with Delta 1x miles on all other purchases | None |
| Delta SkyMiles® Gold American Express Card | $0 introductory annual fee for the first year, then $99 rates & fees | $99 | 2x miles at restaurants, plus takeout and delivery in the U.S., U.S. supermarkets, and on Delta purchases 1x miles on all other purchases | $4,125 in combined purchases on 2x categories OR $8,250 in non-bonused purchases |
| Delta SkyMiles® Gold Business American Express Card | $0 introductory annual fee for the first year, then $99. rates & fees | $99 | 2x miles at restaurants, purchases made directly with Delta, U.S. purchases for advertising in select media, and U.S. shipping purchases. Effective 1/1/2024, 2x earnings on U.S. purchases for advertising in select media, and U.S. shipping purchases will have a cap of $50,000 in eligible purchases per category, per year. 1x miles on all other purchases | $4,125 in combined purchases on 2x categories OR $8,250 in non-bonused purchases |
| Delta SkyMiles® Platinum American Express Card | $250 rates & fees | $250 | 3x miles on Delta purchases and purchases made directly with hotels 2x miles at restaurants, plus takeout and delivery in the U.S., and at U.S. supermarkets 1x miles on all other purchases | $6,944 in combined purchases on 3x categories OR $10,417 in combined purchases on 2x categories OR $20,833 in non-bonused purchases |
| Delta SkyMiles® Platinum Business American Express Card | $250 rates & fees | $250 | 3x miles on purchases made directly with Delta and directly with hotels 1.5 miles on single eligible purchases of $5,000 or more, up to 50,000 additional miles per calendar year 1x miles on all other purchases | $6,944 in combined purchases on 3x categories OR $10,417 in combined purchases on 2x categories OR $20,833 in non-bonused purchases |
| Delta SkyMiles® Reserve American Express Card | $550 rates & fees | $550 | 3x miles on purchases made directly with Delta 1x miles on all other purchases | $15,278 on purchases made directly with Delta OR $45,833 in non-bonused purchases |
| Delta SkyMiles® Reserve Business American Express Card | $550 rates & fees | $550 | 3x miles on purchases made directly with Delta 1.5 miles on eligible purchases made after a $150,000 threshold is reached through the end of the same calendar year 1x miles on all other purchases | $15,278 on purchases made directly with Delta OR $30,556 in combined purchases exceeding $5,000 each OR $45,833 in non-bonused purchases |
| The Hilton Honors American Express Business Card | $95 rates & fees | $95 | 12x points for eligible purchases at hotels and resorts in the Hilton portfolio 6x points on wireless telephone services purchases directly from U.S. service providers, U.S. purchases for shipping, flights booked directly with airlines or with AmexTravel.com, car rentals booked directly from select car rental companies, and U.S. restaurants 3x points on all other purchases | $1,583 on Hilton purchases OR $3,167 in combined purchases on 6x categories OR $6,333 in non-bonused purchases |
| Hilton Honors American Express Card | $0 rates & fees | $0 | 7x points on eligible purchases charged directly with hotels or resorts within the Hilton portfolio 5x points at U.S. supermarkets, U.S. gas stations, andU.S. restaurants 3x points on all other purchases | None |
| $250 rates & fees | $250 | 6x points for eligible purchases at hotels participating in Marriott Bonvoy 4x points at restaurants worldwide and at grocery stores on up to $15,000 in combined purchases 2x points on all other purchases | $5,952 in Marriott Bonvoy purchases OR $8,928 in combined purchases on 4x categories OR $17,858 in non-bonused purchases | |
| Marriott Bonvoy Brilliant® American Express® Card | $650 rates & fees | $350 (from up to $300 annual dining credit) | 6x points for eligible purchases at hotels participating in Marriott Bonvoy 3x points at restaurants worldwide and on flights booked directly with airlines 2x points on all other purchases | $8,333 in Marriott Bonvoy purchases OR $16,666 in combined purchases on 3x categories OR $25,000 in non-bonused purchases |
| Marriott Bonvoy Business® American Express® Card | $125 rates & fees | $125 | 6x points for eligible purchases at hotels participating in Marriott Bonvoy 4x points at restaurants worldwide, U.S. gas stations, U.S. shipping providers, and wireless phone services purchased directly from U.S. service providers 2x points on all other purchases | $2,976 in Marriott Bonvoy purchases OR $4,464 in combined purchases on 4x categories OR $8,929 in non-bonused purchases |
*All information about these cards has been collected independently by Upgraded Points.
Capital One
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| Card Name | Annual Fee | Effective Annual Fee | Bonus Categories | Break-even Spending Required (Yearly) |
| Capital One Quicksilver Cash Rewards Credit Card | $0 (rates & fees) | $0 (rates & fees) | 1.5% cash-back on all purchases | None |
| Capital One QuicksilverOne Cash Rewards Credit Card | $39 (rates & fees) | $39 (rates & fees) | 1.5% cash-back on all purchases | $2,600 in purchases |
| Capital One Savor Cash Rewards Credit Card | $95 | $95 | 8% cash-back on tickets at Capital One Entertainment 4% cash-back on dining, entertainment, and popular streaming services 3% cash-back at grocery stores 1% cash-back on all other purchases | $1,188 in ticket purchases at Capital One Entertainment OR $2,375 in combined purchases on 4% categories OR $3,167 at grocery stores OR $9,500 in non-bonused purchases |
| Capital One SavorOne Cash Rewards Credit Card | $0 (rates & fees) | $0 (rates & fees) | 8% cash-back on tickets at Capital One Entertainment 3% cash-back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®) 1% cash-back on all other purchases | None |
| Capital One Spark Cash Plus Card | $150 | $150 | 2% cash-back on all purchases | $7,500 in purchases |
| Capital One Spark Cash Select for Excellent Credit | $0 | $0 | 1.5% cash-back on all purchases | None |
| Capital One Spark Classic for Business | $0 | $0 | 1% cash-back on all purchases | None |
| Capital One Spark Miles for Business | $0 intro for the first year, $95 after that | $95 | 5x miles on hotels and rental cars booked through Capital One Travel 2x miles on all other purchases | $1,056 on hotels and rental cars booked through Capital One Travel OR $2,639 in non-bonused purchases |
| Capital One Spark Miles Select for Business | $0 | $0 | 5x miles on hotels and rental cars booked through Capital One Travel 1.5x miles on all other purchases | None |
| Capital One Venture Rewards Credit Card | $95 (rates & fees) | $95 (rates & fees) | 5x miles on hotels and rental cars booked through Capital One Travel 2x miles on all other purchases | $1,056 on hotels and rental cars booked through Capital One Travel OR $2,639 in non-bonused purchases |
| Capital One Venture X Rewards Credit Card | $395 (rates & fees) | $0 ($300 travel credit and 10,000 bonus miles per anniversary year) | 10x miles on hotels and rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel 2x miles on all other purchases | None |
| Capital One VentureOne Rewards Credit Card | $0 (rates & fees) | $0 (rates & fees) | 5x miles on hotels and rental cars booked through Capital One Travel 1.25x miles on all other purchases | None |
Chase
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| Card Name | Annual Fee | Effective Annual Fee | Bonus Categories | Break-even Spending Required (Yearly) |
| Aer Lingus Visa Signature® Card | $95 | $95 | 5 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL within your first year of account opening (3 Avios per $1 spent after that) 3 Avios per $1 spent on hotel accommodations purchased with the hotel, within the first year of account opening (2 Avios per $1 spent after that) 1 Avios per $1 spent on all other purchases | $1,520 in 5x Avios purchases OR $2,533 in 3x Avios purchases OR $7,600 in non-bonused purchases |
| Aeroplan® Credit Card | $95 | $95 | 3x points at grocery stores, dining, and purchases made directly with Air Canada 1x points on all other purchases | $2,111 in combined purchases on 3x categories OR $6,333 in non-bonused purchases |
| Prime Visa card | $0 | $0 | 5% cash-back at Amazon.com, Whole Foods Market, and Chase Travel with an eligible Prime membership 2% cash-back at restaurants, gas stations, and local transit/commuting 1% cash-back on all other purchases | None |
| Amazon Rewards Visa Signature Credit Card | $0 | $0 | 3% cash-back at Amazon.com and physical Amazon stores 2% cash-back at restaurants, gas stations, and local transit/commuting 1% cash-back on all other purchases | None |
| British Airways Visa Signature® Card | $95 | $95 | 5 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL within your first year of account opening (3 Avios per $1 spent after that) 3 Avios per $1 spent on hotel accommodations purchased with the hotel, within the first year of account opening (2 Avios per $1 spent after that) 1 Avios per $1 spent on all other purchases | $1,520 in 5x Avios purchases OR $2,533 in 3x Avios purchases OR $7,600 in non-bonused purchases |
| Chase Freedom Flex℠ | $0 | $0 | 5% cash-back on up to $1,500 of combined purchases in bonus categories each quarter you activate and travel purchased through Chase Ultimate Rewards 5% cash-back on Lyft (through March 2025) 3% cash-back on dining and drugstores 1% cash-back on all other purchases | None |
| Chase Freedom Unlimited® | $0 | $0 | 5% cash-back on travel purchased through Chase Ultimate Rewards 5% cash-back on Lyft (through March 2025) 3% cash-back on dining and drugstores 1.5% cash-back on all other purchases | None |
| Iberia Visa Signature® Card | $95 | $95 | 5 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL within your first year of account opening (3 Avios per $1 spent after that) 3 Avios per $1 spent on hotel accommodations purchased with the hotel, within the first year of account opening (2 Avios per $1 spent after that) 1 Avios per $1 spent on all other purchases | $1,520 in 5x Avios purchases OR $2,533 in 3x Avios purchases OR $7,600 in non-bonused purchases |
| IHG One Rewards Premier Credit Card | $99 | $99 | Up to 26 points total per $1 spent when you stay at an IHG hotel 5 points per $1 spent on purchases on travel, gas stations, and restaurants. 3 points per $1 spent on all other purchases | $762 at IHG Hotels & Resorts OR $3,960 in combined purchases at 5x categories OR $6,600 in non-bonused purchases |
| IHG One Rewards Premier Business Credit Card | $99 | $99 | Up to 26 points total per $1 spent when you stay at an IHG hotel 5 points per $1 spent on purchases on travel, dining, select business purchases, and gas stations. 3 points per $1 spent on all other purchases | $762 at IHG Hotels & Resorts OR $3,960 in combined purchases at 5x categories OR $6,600 in non-bonused purchases |
| IHG One Rewards Traveler Credit Card | $0 | $0 | Up to 17 points total per $1 spent when you stay at an IHG hotel 3x on purchases on monthly bills, gas stations, and restaurants. 2x on all other purchases | None |
| Ink Business Cash® Credit Card | $0 | $0 | 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 5% cash-back on Lyft(through March 2025) 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% cash-back on all other purchases | None |
| Ink Business Preferred® Credit Card | $95 | $95 | 3x points on the first $150,000 spent in combined purchases each account anniversary year on shipping purchases, internet, cable, and phone services, advertising purchases with social media sites and search engines, and travel 5x points on Lyft (through March 2025) 1x points on all other purchases | $1,583 in combined purchases on 3x categories OR $4,750 in non-bonused purchases |
| Ink Business Premier℠ Credit Card | $195 | $195 | 5% cash-back on travel purchased through Chase Ultimate Rewards 2.5% cash-back on purchases of $5,000 or more 2% cash-back on all other business purchases | $3,900 on travel purchased through Chase Ultimate Rewards OR $7,800 on purchases of $5,000 or more OR $9,750 on other business purchases |
| Ink Business Unlimited® Credit Card | $0 | $0 | 1.5% cash-back on all purchases 5% cash-back on Lyft (through March 2025) | None |
| Marriott Bonvoy Bold® Credit Card | $0 | $0 | Up to 14x points per $1 spent at hotels participating in Marriott Bonvoy when using your card 2x points per $1 spent on all other travel 1x points on all other purchases | None |
| Marriott Bonvoy Boundless® Credit Card | $95 | $95 | 6x points for eligible purchases at hotels participating in Marriott Bonvoy 2x points per $1 on all other purchases | $2,262 in Marriott Bonvoy purchases OR $6,785 in non-bonused purchases |
| Marriott Bonvoy Bountiful™ Credit Card | $250 | $250 | 6x points for eligible purchases at hotels participating in Marriott Bonvoy 4x points at restaurants worldwide and at grocery stores on up to $15,000 in combined purchases 2x points on all other purchases | $5,952 in Marriott Bonvoy purchases OR $8,928 in combined purchases on 4x categories OR $17,858 in non-bonused purchases |
| Southwest Rapid Rewards® Performance Business Credit Card | $199 | $199 | 4x points on Southwest purchases 3x points on Rapid Rewards hotel and car rental partners 2x points on social media and search engine advertising, internet, cable, and phone services, and local transit and commuting (including rideshare) 1x points on all other purchases | $3,827 in Southwest purchases OR $5,103 in purchases at Rapid Rewards hotel and car rental partners OR $7,654 in combined purchases on 2x categories OR $15,308 in non-bonused purchases |
| Southwest Rapid Rewards® Plus Credit Card | $69 | $69 | 2x points on Southwest purchases, Rapid Rewards hotel and car rental partners, internet, cable, and phone services, and local transit and commuting (including rideshare) 1x points on all other purchases | $2,654 in combined purchases on 2x categories OR $5,308 in non-bonused purchases |
| Southwest® Rapid Rewards® Premier Business Credit Card | $99 | $99 | 3x points on Southwest purchases 2x points on Rapid Rewards hotel and car rental partners and local transit and commuting (including rideshare) 1x points on all other purchases | $2,538 in Southwest purchases OR $3,808 in combined purchases on 2x categories OR $7,615 in non-bonused purchases |
| Southwest Rapid Rewards® Premier Credit Card | $99 | $99 | 3x points on Southwest purchases 2x points on Rapid Rewards hotel and car rental partners, internet, cable, phone services, and select streaming, and local transit and commuting (including rideshare) 1x points on all other purchases | $2,538 in Southwest purchases OR $3,808 in combined purchases on 2x categories OR $7,615 in non-bonused purchases |
| Southwest Rapid Rewards® Priority Credit Card | $149 | $74 (from $75 Southwest credit) | 3x points on Southwest purchases 2x points on Rapid Rewards hotel and car rental partners, internet, cable, phone services, and select streaming, and local transit and commuting (including rideshare) 1x points on all other purchases | $1,897 in Southwest purchases OR $2,846 in combined purchases on 2x categories OR $5,692 in non-bonused purchases |
| United℠ Business Card | $0 introductory annual fee for the first year, then $99 | $0 introductory annual fee for the first year, then $99 | 2x miles on United purchases,dining,gas stations,office supply stores, and local transit and commuting 1x miles on all other purchases | $3,808 in combined purchases on 2x categories OR $7,615 in non-bonused purchases |
| United Club℠ Business Card | $450 | $450 | 2x miles on United purchases 1.5x miles on all other purchases | $17,308 in United purchases OR $23,077 in non-bonused purchases |
| United Club℠ Infinite Card | $525 | $525 | 4x miles on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. 2x miles on travel and dining 1x miles on all other purchases | $10,096 in United purchases OR $20,192 in combined purchases on 2x categories OR $40,384 in non-bonused purchases |
| United℠ Explorer Card | $0 intro for the first year, then $95 | $95 | 2x miles on United purchases, dining, and hotel stays 1x miles on all other purchases | $3,654 in combined purchases on 2x categories OR $7,308 in non-bonused purchases |
| United Gateway℠ Card | $0 | $0 | 2x miles on United purchases, gas stations, andlocal transit and commuting 1x miles on all other purchases | None |
| United Quest℠ Card | $250 | $125 (from $125 United purchase credit) | 3x miles on United purchases (after the $125 annual United purchase credit) 2x miles onall other travel, dining, and select streaming services 1x miles on all other purchases | $3,330 in United purchases OR $4,808 in combined purchases on 2x categories OR $9,615 in non-bonused purchases |
| World of Hyatt Business Credit Card | $199 | $199 | Up to 9x points at Hyatt hotels 2x points in your top 3 spend categories each quarter through December 31, 2024, then your top 2 categories each quarter after that; eligible categories are:
2x points on fitness club and gym memberships 1x points on all other purchases | $3,317 in purchases at Hyatt hotels OR $6,633 in combined purchases on 2x categories OR $13,267 in non-bonused purchases |
| The World of Hyatt Credit Card | $95 | $95 | Up to 9x points at Hyatt hotels 2x points at restaurants, airline tickets purchased directly from the airline, local transit and commuting, and fitness club and gym memberships 1x points on all other purchases | $1,583 in purchases at Hyatt hotels OR $3,167 in combined purchases on 2x categories OR $6,333 in non-bonused purchases |
Citi
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| Card Name | Annual Fee | Effective Annual Fee | Bonus Categories | Break-even Spending Required (Yearly) |
| American Airlines AAdvantage® MileUp® | $0 | $0 | 2x miles on eligible American Airlines purchases and grocery stores 1x miles on all other purchases | None |
| Citi® / AAdvantage® Executive World Elite Mastercard® | $595 | $595 | 2x miles on eligible American Airlines purchases 1x miles on all other purchases | $16,071 in eligible American Airlines purchases OR $32,143 in un-bonused purchases |
| Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $99, waived for first 12 months | $99 | 2x miles on restaurants, gas stations, and on eligible American Airlines purchases 1x miles on all other purchases | $3,535 in combined purchases on 2x categories OR $7,071 in non-bonused purchases |
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® | $0 intro annual fee for the first year, then $99 | $99 | 2x miles at telecommunications merchants, cable and satellite providers,car rental merchants, and gas stations 1x miles on all other purchases | $3,535 in combined purchases on 2x categories OR $7,071 in non-bonused purchases |
| Citi Custom Cash® Card | $0 | $0 | 5% cash-back on your top eligible spend category each billing cycle up to the first $500 spent (1% thereafter) 1% on all other purchases | None |
| Citi Double Cash® Card | $0 | $0 | 2x points on all purchases (1x when you buy and 1x when you pay your bill) | None |
| Citi Premier® Card | $95 | $95 | 3x points on restaurants,supermarkets,gas stations,air travel, andhotels 1x points on all other purchases | $1,979 in combined purchases on 3x categories OR $5,938 in non-bonused purchases |
| Citi Prestige® Card (no longer open to new applicants) | $495 | $245 (from $250 travel credit) | 5x points on restaurants and air travel 3x points at cruise lines and hotels 1x points on all other purchases | $3,063 in combined purchases on 5x categories OR $5,104 in combined purchases on 3x categories OR $15,313 in non-bonused purchases |
| Citi Rewards+® Card | $0 | $0 | 2x points at supermarkets and gas stations (on the first $6,000 per year; 1x thereafter) 1x points on all other purchases *rewards round up to the nearest 10 points on every purchase | None |
Final Thoughts
Whew! That was intense! Making an informed decision as to whether getting a specific credit card is worthwhile can involve some tricky math, but we laid it all out for you in this guide.
We calculated the effective annual fee by subtracting all of the face-value statement credits from the annual fee.
Then, we used our points and miles valuations to calculate the break-even spending amounts by category.
As you can tell, some cards are much easier to justify while others might not be worth it unless you can take advantage of the other subjective card benefits we didn’t account for.
We hope that you’ve found this guide useful!
The information regarding the Capital One Spark Classic for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One QuicksilverOne Cash Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, clickhere.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the Blue Cash Everyday® from American Express, clickhere.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Blue American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, clickhere.
For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
