Best Rewards Credit Cards for December 2024

If you’re just starting your journey into rewards credit cards, there’s no better gateway than the card_name. There are a few reasons for this.

Most importantly, the points you earn are versatile enough to fit your goals—no matter what they are. You can cash them out at a rate of 1 cent per point; you can use them to buy travel through the Chase Travel Portal at a rate of 1.25 cents each; you can transfer them to airline and hotel partners (like Southwest and Hyatt) for free flights and accommodations.

The card also offers bonus points for common expenses. You’ll earn:

• 5 points per dollar for travel booked through the Chase Travel Portal (and 2 points per dollar for all other travel).
• 3 points per dollar for dining, streaming services, and online grocery purchases (except with Walmart, Target, and any wholesale clubs).
• 1 point per dollar for all other purchases.

Expenses like groceries, dining, and streaming likely account for the lion’s share of your monthly spending. Receiving a bonus for these purchases can translate into many tens of thousands of points each year.

The card’s annual_fees annual fee is also very accessible to those apprehensive of rewards credit cards. With ongoing benefits like top-notch travel insurance and a yearly $50 credit for prepaid hotel stays booked through the Chase Travel Portal, you’ll find the fee to be easily justified.

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening.

Card Rewards:

• 5x points on travel booked through Chase Travel℠.
• 3x points on dining, select streaming services, and online groceries.
• 2x points on all other travel purchases.
• 1x points on all other purchases.

Additional Benefits:

• $50 Annual Chase Travel Hotel Credit and more.
• Get 25% more value when redeeming points for airfare, hotels, car rentals, and cruises through Chase Travel℠. For instance, 60,000 points are worth $750 toward travel.
• Trip Cancellation/Interruption Insurance
• Auto Rental Collision Damage Waiver
• Lost Luggage Insurance
• Complimentary DashPass Access: Enjoy $0 delivery fees and lower service fees for at least one year when activated by December 31, 2027.

Member FDIC

The Citi Custom Cash® Card is one of the most effortless rewards credit cards in existence. You’ll earn 5% back (on up to $500 in spending, then 1% thereafter) in whichever eligible category you spend the most each billing cycle. This includes:

• Drugstores
• Fitness clubs
• Home improvement stores
• Live entertainment
• Gas stations
• Grocery stores
• Restaurants
• Select streaming services
• Select transit
• Select travel

You’ll earn 1% back on everything else.

The genius of this card is that you don’t have to select the category with which you want to earn a bonus; the card will detect your most used expense and automatically bonus it for you.

One important note is that you’re technically collecting Citi ThankYou points (Citi’s travel rewards currency) instead of cash back. You can redeem your points at a rate of 1 cent each in the form of statement credits or direct deposit, but you can also transfer them to valuable airline and hotel partners if you also hold the Citi Prestige® (not available to new applicants). In other words, the rewards you earn with the Citi Custom Cash® Card can be worth significantly more if paired with the right credit card.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

The card_name offers a respectable return for all purchases.

While many cards earn a minimum of 1% back on purchases that fall outside of bonus categories, this card will provide 50% more value. You’ll even receive 5% back on travel purchased through the Chase Travel Portal and 3% back for dining and drugstore purchases.

And remember, you’ll receive an increased return on all spending (up to $20,000) during your first year. That means you’re effectively getting:

• 6.5% back on travel reserved via the Chase Travel Portal
• 4.5% back on dining and at drugstores
• 3% back on all other eligible purchases

And similar to the Citi Custom Cash® Card, this card actually earns Chase’s travel rewards currency (Chase Ultimate Rewards points) instead of cash back. Here’s what that means: If you have a card like the card_name, card_name, or card_name, you can use the rewards you earn from this card for travel at an outsized value. For example, you can convert your points into airline miles or hotel points–or you can redeem them for travel through the Chase Travel Portal at a rate between 1.25 cents and 1.5 cents (depending on which Chase Ultimate Rewards card you have).

Introductory Offer:

• Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), which can add up to $300 in cash back!
• 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Intro Card Rewards:

• 6.5% cash back on travel booked through Chase Travel℠, our top-tier rewards program where you can redeem for cash back, travel, gift cards, and more.
• 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• 3% cash back on all other purchases (up to $20,000 spent in the first year).

After the First Year or $20,000 Spent Card Rewards:

• 5% cash back on travel booked through Chase Travel℠.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• Unlimited 1.5% cash back on all other purchases.

Additional Benefits:

• No minimum to redeem for cash back. Choose a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards never expire as long as your account is open!
• No annual fee – Enjoy all the great features of your Freedom Unlimited® card without paying an annual fee.
• Credit Monitoring – Keep track of your credit health with Chase Credit Journey, offering free access to your latest score, alerts, and more.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name is one of the shiniest, heaviest, thickest rewards credit cards you can get.

It’s got to be thick, for all the benefits crammed into it. This card comes with thousands of dollars in statement credits. And though some are admittedly quite niche, the average cardholder should easily manage to recoup the money spent on its annual_fees annual fee (Rates & Fees). For example, you’ll get:

• Up to $200 in annual airline fee credits.*
• Up to $200 in Uber Cash each year (distributed in monthly $15 increments and $35 in December), which can be used for rides or food via Uber Eats.*
• Up to $200 in annual credits toward prepaid hotel reservations made with The Hotel Collection (minimum two-night stay) or Amex Fine Hotels and Resorts.
• Up to $100 in credit for the application fee of Global Entry or TSA PreCheck.
• Up to $199 statement credit to offset CLEAR® Plus, a program that lets you cut in line at TSA checkpoints.*
• Up to $240 digital entertainment credit (up to $20 per month for eligible services).
• Up $100 in Saks credits each year.*
• $12.95 monthly statement credit to offset Walmart+ membership.*

For a frequent traveler, many of those credits can be nearly as good as cash. With little effort, you should be able to squeeze more than $700 from the above list.

But there’s more to the card_name than just statement credits. This card offers the most comprehensive airport lounge access you can find. You’ll receive Priority Pass Select membership*, access to Centurion Lounges, access to Delta Sky Clubs (when you’ve got a same-day Delta ticket), and more. You’ll also get access to the exclusive Fine Hotels & Resorts benefit, which provides elite-like benefits such as room upgrades (when available) and free breakfast when staying at fancy hotels.

The card earns Amex Membership Rewards points, some of the most valuable in the travel game. You can transfer them to 20 different airline and hotel loyalty programs. This is handy if you’re not loyal to a single brand. You can convert your rewards into British Airways Avios, Delta SkyMiles, Hilton points, and many more.

*Enrollment is required for some benefits.

Introductory Offer:

Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases within the first 6 months of Card Membership. Apply and choose your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Card Rewards:

• 5X Membership Rewards® Points: Earn 5X points on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year. Also, earn 5X points on prepaid hotels booked through American Express Travel.
• $200 Hotel Credit: Receive up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using 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 services like Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.

Additional Benefits:

• Global Lounge Collection®: Enjoy complimentary access to over 1,400 airport lounges across 140 countries, offering more lounge options than any other credit card issuer.

• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back each month.

• $200 Airline Fee Credit*: Select one qualifying airline and receive up to $200 in statement credits per calendar year for incidental fees 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 are available to Basic Card Members only. Terms apply.

• $199 CLEAR® Plus Credit: Get up to $199 back per calendar year on your CLEAR® Plus Membership when you use your Card. CLEAR® lanes are available at over 100 airports, stadiums, and entertainment venues.

• Global Entry/TSA PreCheck® Credit: Receive a $120 statement credit every 4 years for a Global Entry application fee or up to $85 every 4.5 years for a TSA PreCheck® 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 at Saks Fifth Avenue stores or saks.com. That’s up to $50 in statement credits semi-annually. Enrollment required.

• Global Dining* Access by Resy: Unlock access to exclusive reservations and special dining experiences when you add your Platinum Card® to your Resy profile.

• Annual Fee: $695.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

  *Enrollment is required for select benefits.

Terms apply.

The card_name annual fee annual_feesdoesn’t earn the most rewards of any small business card out there. But it does something that most others don’t: It earns a flat 1.5% back on all purchases. If the bulk of your small business spending falls into categories outside shipping, online advertising, computer hardware, etc., the card_name is a great option for you.

While this card is marketed to be a cash back credit card, it actually earns Chase Ultimate Rewards points. And as with its sibling, the card_name, you can receive outsized value for your rewards if you’ve got either the card_name, card_name, or card_name. Holding one of these cards unlocks the ability to convert your rewards into Southwest Airlines miles, United miles, and more.

One great benefit that this card offers which is virtually nonexistent on no-annual-fee credit cards is primary rental car insurance. This will save you from paying the exorbitant daily fee for the privilege of being covered by the rental agency’s in-house insurance. The only catch is that you must be renting the car for business purposes.

Introductory Offer:

• Earn $750 bonus cash back after spending $6,000 on purchases within the first 3 months from account opening.
• 0% introductory APR for 12 months on purchases.

Card Rewards:

• Unlimited 1.5% cash back on every purchase made for your business.
• No Annual Fee.

Additional Benefits:

• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases.
• Zero Liability: You won’t be held responsible for unauthorized charges made with your card or account information.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name is a jack of all trades for those desirous to upgrade their travel experience, both on the ground and in the air.

The card begins enhancing your travel before you even leave the house. Cardholders get more access to United’s “Saver” award seats (the cheapest ones) than those without the card. This perk is otherwise reserved for those with elite status, and it can potentially save you many tens of thousands of miles during a single trip.

The card even comes with one free checked bag for you and a companion on your reservation. You must pay with the card to receive this benefit. Checked bags cost $30 each way, meaning you and a travel buddy could save up to $120 per round-trip.

You’ll receive up to $120 in credits to reimburse you for the application fee of Global Entry, TSA PreCheck, or NEXUS. These programs offer varying degrees of expedited airport security. All three allow you to speed through TSA security checkpoints without removing your shoes or jacket. You even get to keep your laptop in your bag.

Once inside security, you can use the card’s two annual United Club one-time passes to enter a United Club lounge when traveling on United Airlines (or a partner).

The card confers preferred boarding, too. This means you’ll be one of the first to board—guaranteeing you’ll have plenty of overhead bin space for your carry-on. And once the plane is in the air, you’ll get 25% back on any inflight purchases as long as you pay with your card.

You’ll also be privy to plenty of other worthwhile benefits, including excellent travel insurance and primary rental car insurance. Not bad for a card that charges a annual_fees.

Introductory Offer:

• Limited-time offer: Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months of account opening.
• Annual Fee: $0 for the first year, then $95.

Rewards:

• Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases.
• Receive up to $120 credit for Global Entry, TSA PreCheck®, or NEXUS fees.
• Get 25% back as a statement credit on food, beverages, and Wi-Fi purchases on United-operated flights and Club premium drinks when using your ExplorerCard.

Additional Benefits:

• Enjoy a free first checked bag, saving up to $160 per roundtrip. Terms apply.
• Benefit from priority boarding and receive 2 one-time United Club℠ passes each year on your anniversary.

Member FDIC

There are other credit cards that offer a longer 0% intro APR window than the Citi Double Cash® Card. However, those other cards become all but useless after that window closes. They don’t collect rewards, and have virtually no useful ongoing benefits.

The annual_fees annual fee gives you an excellent balance of lengthy 0% APR terms (no interest for 18 months on balance transfers followed by reg_apr,reg_apr_type) and return rate. You’ll earn 1% back when you make a purchase and 1% back when you pay off your purchase—effectively 2% back on all purchases.

Even better, this card earns Citi ThankYou points (which can be redeemed at 1 cent per point) instead of cash. That means if you’ve got either the Citi Premier or Citi Prestige, you can convert your rewards into airline and hotel rewards currencies like Turkish Airlines, JetBlue, and Wyndham.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

The annual_fees annual fee card_name isn’t just the best student credit card; it’s also one of the best cash back credit cards in general.

Take a look at its almost unbelievable earning rate:

• 8% cash back via Capital One Entertainment.
• 5% cash back for hotel stays and car rentals reserved through Capital One Travel.
• 3% cash back on dining, grocery stores (not including Target® or Walmart®), entertainment and popular streaming services.
• 1% cash back for all other eligible purchases.

That’s a wild combination of bonus categories that could capture much of your spending. To boot, the card offers waived foreign transaction fees and statement credits to reimburse the cost of Uber One membership through Nov. 14, 2024.

To open a Capital One student credit card, you must be enrolled in a higher education institution (think an accredited university or community college)—or at the very least admitted with intent to enroll within the next three months.

Once you’ve built the credit necessary to open one of Capital One’s travel credit cards, such as the card_name, you can even turn your cash back into Capital One miles at a rate of 1 point per cent. You can then transfer these points to airline and hotel partners such as Singapore Airlines, Avianca, and Choice Privileges for free travel.

• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
• Early Spend Bonus: Earn $50 when you spend $100 in the first three months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Build your credit with responsible card use
• Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

If you’re hunting for a credit card that’ll help you build credit, earning rewards shouldn’t be your main concern. The charm of a starter credit card is that those with poor (or zero) credit can be approved. It’s only a stepping stone to bigger and better things.

Many starter credit cards don’t earn anything from spending. But there are a few exceptions—the card_name being the best fit for most. It earns:

• 5% back for hotel stays and rental cars reserved through Capital One Travel
• 1.5% back on all other eligible purchases.

The card does charge a annual_fees annual fee which will eat into your yearly return. But you’ll also benefit from the card’s ongoing benefits like waived foreign transaction fees.

The card also reviews your credit usage and considers you for an automatic credit line increase in as little as six months.

You can convert the cash back you earn with this card into Capital One miles, which can be transferred to airline and hotel partners for free travel. But to do it, you must also hold a Capital One miles-earning credit card such as the card_name.

Card Rewards:

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
• Be automatically considered for a higher credit line in as little as 6 months
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options (terms apply)

Additional Benefits:

• Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Monitor your credit score with CreditWise from Capital One. It’s free for everyone
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set

Member FDIC

Admittedly, there are credit cards with lower interest rates than the card_name. But for a balance of ongoing benefits and a reasonable APR, it’s the best choice.

Many rewards credit cards don’t offer an interest rate below 20%. This card comes with a reg_apr,reg_apr_type APR, depending on your creditworthiness. Just realize that APR only triggers if you fail to pay your full statement balance each month. If you’re not carrying a balance, it won’t affect you at all. In fact, if you’re worried about high interest rates, you probably shouldn’t be using credit cards.

The card_name provides a return rate that outpaces most other credit cards:

• 8% back for Capital One Entertainment purchases.
• 5% back on hotels and rental cars reserved through Capital One Travel.
• 3% back on dining, entertainment, and popular streaming services, and for grocery store purchases (except at Walmart® and Target®).
• 1% back on all other eligible purchases.

As with the card_name, this earns cash back that you can convert into travel rewards–but you must also have a card that earns Capital One miles (such as the card_name). You can then transfer your rewards to airline and hotel loyalty programs that partner with Capital One.

Introductory Offer:

• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
• Benefit from a 0% introductory APR on purchases and balance transfers for 15 months. After that, a variable APR of 19.49% - 29.49% applies. Note that balance transfer fees may apply.

Card Rewards:

• Get 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®). Plus, earn 1% cash back on all other purchases.
• Enjoy 8% cash back on Capital One Entertainment purchases.
• Earn 5% cash back on hotels and rental cars booked through Capital One Travel. Capital One guarantees the best prices on thousands of trip options. Terms apply.
• No need to worry about rotating categories or sign-ups to earn rewards. Cash back won't expire for the life of the account, and there's no cap on earnings.

Additional Details:

• No foreign transaction fees.
• No annual fee.

There are a lot of Visa credit cards out there. If you’re looking for the absolute best, you’ll have to pay for it. The annual_fees annual fee card_name is a Visa Infinite credit card–the highest-tier Visa card you can get.

This particular Visa Infinite card comes with:

• Higher-octane travel insurance than almost any other credit card.
• $300 in annual travel credit when booking airfare, hotels, and more through Capital One Travel.
• 10,000 bonus Capital One miles each year (worth at least $100 in travel).
• Access to more than 1,300 airport lounges between Priority Pass, Plaza Premium, and Capital One Lounges.

As you can see, this card justifies its annual fee better than just about any other Visa card out there.

Its earning rates are noteworthy, too. You’ll earn 10 miles per dollar on hotels and car rentals booked through Capital One Travel, 5 miles per dollar on airfare booked through Capital One Travel, and 2 miles per dollar on all other purchases.

You can use Capital One miles for free flights and hotel stays by transferring to partners such as Avianca, British Airways, and Singapore Airlines. With some strategy, it’s possible to get well over 2 cents per point in value with partners like these.

Introductory Offer:

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Card Rewards:

• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel.
• Earn unlimited 2X miles on all other purchases.

Additional Benefits:

• Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network.
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars, and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
• Receive up to a $120 credit for Global Entry or TSA PreCheck®.

The card_name earns 4% back on spending at both gas stations and EV charging stations around the world, up to $7,000 in spending per year (then 1%). Whether you fill up at Costco or somewhere else, you’ll get 4%. The only exception is gas purchased at a supermarket, superstore, convenience store, or warehouse club (except Costco). For these purchases, you’ll get just 1% back.

The annual_fees annual fee is valuable for other spending, too:

• 3% cash back with restaurants.
• 3% cash back for eligible travel purchases worldwide.
• 2% cash back for all other purchases from Costco (in-store and online).
• 1% cash back on all other eligible purchases.

Here’s the catch: You can’t redeem your cash back throughout the year as you can with other cards. Once per year, after your February closing date, you’ll have the option to receive a lump sum of cash or spend it on merchandise in-store at Costco U.S. warehouses.

• Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Whether you’re trying to earn hotel points or airline miles, you need a card that does two things:

1. Earns flexible rewards that can transfer to multiple different airline and hotel loyalty programs. This way, you don’t pigeon-hole yourself into a single program. You can convert your rewards into the currency that best suits each travel situation.
2. Earns bonus points for everyday spending.

The $95 annual fee does both of these things very, very well. You’ll earn:

• 3 points per dollar on travel and other hotel purchases .
• 3 points per dollar on gas stations.
• 3 points per dollar at restaurants.
• 3 points per dollar at supermarkets.
• 1 point per dollar on all other eligible purchases

That covers the bases for most cardholders. You can get 3x points on nearly everything. And you can convert these points to 16 airline and hotel currencies including Turkish Airlines, JetBlue, and Wyndham. If you know how to wield them, you could receive a value around 2 cents per point (or more).

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

When it comes to groceries, no other credit card offers a comparable return to the card_name. You’ll receive 6% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1%). The only caveat is that not all stores that sell groceries are considered supermarkets. Superstores, convenience stores, warehouse clubs, and meal-kit delivery services will not qualify for this 6% bonus.

If you were to max out this card’s bonus potential at supermarkets, you’d earn $360 in cash back each year. However, the card charges a annual_fees (Rates & Fees). Keep that in mind when tallying up your yearly earnings.

The card_name also earns:

• 6% back on select U.S. streaming subscriptions.
• 3% back at U.S. gas stations (you’ll earn 1% back at superstores, supermarkets, and warehouse clubs that sell gasoline).
• 3% back on transit.
• 1% back on all other purchases.

This card even comes with two monthly statement credits: A 7 credit to reimburse a subscription to the Disney Bundle costing 12.99 or more per month, and a 10 credit toward the Equinox fitness app, Equinox+ (which costs 40 per month). Enrollment is required for both of these benefits.

Introductory Offer:

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% to 29.24%.

Card Rewards:

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Additional Benefits:

• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Fees:

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Introductory Offer:

Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases within the first 6 months of Card Membership. Apply and choose your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Card Rewards:

• 5X Membership Rewards® Points: Earn 5X points on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year. Also, earn 5X points on prepaid hotels booked through American Express Travel.
• $200 Hotel Credit: Receive up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using 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 services like Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.

Additional Benefits:

• Global Lounge Collection®: Enjoy complimentary access to over 1,400 airport lounges across 140 countries, offering more lounge options than any other credit card issuer.

• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back each month.

• $200 Airline Fee Credit*: Select one qualifying airline and receive up to $200 in statement credits per calendar year for incidental fees 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 are available to Basic Card Members only. Terms apply.

• $199 CLEAR® Plus Credit: Get up to $199 back per calendar year on your CLEAR® Plus Membership when you use your Card. CLEAR® lanes are available at over 100 airports, stadiums, and entertainment venues.

• Global Entry/TSA PreCheck® Credit: Receive a $120 statement credit every 4 years for a Global Entry application fee or up to $85 every 4.5 years for a TSA PreCheck® 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 at Saks Fifth Avenue stores or saks.com. That’s up to $50 in statement credits semi-annually. Enrollment required.

• Global Dining* Access by Resy: Unlock access to exclusive reservations and special dining experiences when you add your Platinum Card® to your Resy profile.

• Annual Fee: $695.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

  *Enrollment is required for select benefits.

Terms apply.

Introductory Offer:

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Card Rewards:

• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel.
• Earn unlimited 2X miles on all other purchases.

Additional Benefits:

• Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network.
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars, and more—you can even transfer your miles to your choice of 15+ travel loyalty programs.
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
• Receive up to a $120 credit for Global Entry or TSA PreCheck®.

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening.

Card Rewards:

• 5x points on travel booked through Chase Travel℠.
• 3x points on dining, select streaming services, and online groceries.
• 2x points on all other travel purchases.
• 1x points on all other purchases.

Additional Benefits:

• $50 Annual Chase Travel Hotel Credit and more.
• Get 25% more value when redeeming points for airfare, hotels, car rentals, and cruises through Chase Travel℠. For instance, 60,000 points are worth $750 toward travel.
• Trip Cancellation/Interruption Insurance
• Auto Rental Collision Damage Waiver
• Lost Luggage Insurance
• Complimentary DashPass Access: Enjoy $0 delivery fees and lower service fees for at least one year when activated by December 31, 2027.

Member FDIC