Eye of the Flyer, a division of Chatterbox Entertainment, Inc., has partnered with CardRatings for our coverage of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers.
See a master list of available cards here — and filter by your specifications!
Jump to:
Travel Rewards Cards
Airline Credit Cards
Hotel Credit Cards
Cash Back Cards
Travel Rewards Cards
Chase Sapphire Preferred® Card

- Earn 5X on travel purchased through Chase Ultimate Rewards®
- Earn 3X on dining
- Earn 2X points on other travel and
- Earn 1 point per dollar spent on all other purchases
- Receive up to $50 in annual Ultimate Rewards Hotel Credit
- Points receive a 25% bonus in value when you redeem them for travel booked through Chase!
- You can also transfer your points to a number of airline and hotel loyalty programs! Airline: Aer Lingus, Air France-KLM, British Airways, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United, Virgin Atlantic. Hotels: Hyatt, InterContinental Hotel Group (IHG), Marriott, Ritz Carlton.
- This card has a $95 annual fee.
- Click here to see CardRatings.com’s review of the Chase Sapphire Preferred® Card card
The Platinum Card® from American Express (learn more about this card)

- Earn up to $189 in annual statement credit for a CLEAR membership.
- Earn up to $200 in annual statement credit for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection properties. Reservations must be booked through American Express Travel. Minimum of a two-night stay applies to The Hotel Collection bookings.
- Earn up to $20 in statement credits each month on eligible purchases or subscriptions with Peacock, Audible, SiriusXM, and The New York Times. (Enrollment required.)
- Earn up to $25 in statement credits each month for purchases of select Equinox Fitness Club monthly memberships or a digital subscription to Equinox+. (Enrollment required.)
- Earn 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel. (Perk capped at $500,000 in airline and AmexTravel.com purchases each calendar year.)
- Earn 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
- $100 Global Entry, TSA Pre√, or Nexus application credit every four years. Terms apply and enrollment required.
- Get up to $200 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases. (Enrollment required.)
- Complimentary gold status with two hotel brands: Marriott and Hilton. (Enrollment required.)
- Receive complimentary Delta Sky Club admission when flying Delta Air Lines.
- Enjoy complimentary admission Centurion Lounge airport club access for you and up to two guests.
- Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Amex gives you free Priority Pass Select membership — good for admission at participating airport lounges worldwide. You and up to two guests can enjoy this great perk! (Enrollment required.)
- Receive complimentary benefits such as daily breakfast for two, resort or spa credit, upgrades when available and more with Fine Hotels & Resorts.
- Like shopping at Saks Fifth Avenue? You’ll love the $100 annual statement credit for Saks purchases (Enrollment required).
- $695 annual fee. (See Rates and Fees) But that can easily be offset by taking advantage of all the perks.
- Learn more now about this card or check out other American Express cards.
- Learn more about travel rewards cards!
- Terms apply to all of the above benefits.
Chase Sapphire Reserve® (learn more about this card)

- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. Good for purchases such as airfare, hotels, parking, rideshare, tolls, and more!
- Point Bonuses
- 3X points on travel worldwide (immediately after earning your $300 travel credit.)
- 3X points on dining worldwide
- 1 point per $1 spent on all other purchases.
- Enjoy access to 1,300+ airport lounges worldwide with a complimentary Priority Pass Select membership!
- $100 application fee credit for Global Entry or TSA Pre✔®
- $550 annual fee.
- No foreign transaction fees.
- Click here to see CardRatings.com’s review of the Chase Sapphire Reserve® card
Ink Business Preferred® Credit Card (learn more about this card)

- See the current welcome bonus now!
- Earn 3X per $1 spent on the first $150,000 spent in combined purchases in the below categories each account anniversary year:
- Travel
- Shipping purchases
- Internet, cable, and phone services
- Advertising purchases with social media sites and search engines
- Earn unlimited 1X on all other purchases.
- No foreign transaction fees!
- $95 annual fee.
- Click here to see CardRatings.com’s review of the Ink Business Preferred Credit Card, here to learn about other Chase credit cards, or here to learn about more small business cards.
American Express® Gold Card (learn more about this card)
Eat up these benefits!
- See the current welcome bonus now!
- Earn 4X Membership Rewards points dining at restaurants worldwide.
- Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
- Enjoy Uber VIP status and free rides in the U.S. up to $10 each month. That’s a potential $120 in annual Uber savings! (Enrollment required.)
- Earn up to a total of $10 monthly statement credits paying with the Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. That alone equals a potential $120 annual savings. (Enrollment required.)
- Terms apply.
✈️ Flight-wise, earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Plus, enjoy up to $100 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases.
Shop internationally with no foreign transaction fees. (See rates and fees.)
Annual Fee is $250. The Uber benefits ($120) and select restaurant credit ($120) almost recoup the entire annual fee! (See rates and fees.)
Learn more now about this card!
The Business Platinum Card® from American Express (learn more now about this card)
- Here’s one of my personal favorite perks — and pretty much the reason I hold this card:
- Use Membership Rewards Pay with Points for all or part of a flight with your selected qualifying airline, and you can earn 35% of the points back, up to 1,000,000 bonus points per calendar year.
- Earn up to $189 in annual statement credit for a CLEAR membership.
- Earn 5X Membership Rewards points on flights and prepaid hotels on amextravel.com.
- Cardholders can earn 1.5X Membership Rewards points on purchases made in the following categories (up to $2 million in combined annual spending):
- Electronics goods, retailers, software, and cloud service providers
- Construction materials and hardware supplies
- Shipping providers
- Earn 50% more Membership Rewards points. That’s 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can earn up to 1 million additional points per year.
- Earn up to $120 in annual statement credits for purchases made directly from any US wireless telephone provider. These will be dispered out up to $10 per month, if used. (Enrollment required.)
- Earn up to $150 in annual statement credits on select purchases with Adobe. (Enrollment required.)
- Enroll to earn up to $400 in statement credits annually ($200 semi-annually) for U.S. purchases with Dell. Remember, Dell sells more than computers!
- Earn up to $360 in annual statement credits on “all Indeed hiring and recruiting products and services to post open positions and find quality talent.” (This is available for up to $90 per quarter. Enrollment required.)
- $100 Global Entry credit every four years. Global Entry includes TSA PreCheck! (Enrollment required.)
- Earn up to $200 in airline fee statement credit each calendar year! Select an airline of your choice and receive credit for charges such as onboard food and beverage, baggage, and certain other purchases. (Enrollment required.)
- Complimentary gold status with two hotel brands: Marriott and Hilton. (Members wishing to take advantage of these perks must manually activate the benefits via their Amex accounts.)
- Receive complimentary Delta Sky Club admission when flying Delta Air Lines.
- Enjoy complimentary admission Centurion Lounge airport club access for you and up to two guests.
- Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Amex gives you free Priority Pass Select membership — good for admission at participating airport lounges worldwide. You and up to two guests can enjoy this great perk! (Members wishing to take advantage of these perks must manually activate the benefits via their Amex accounts.)
- Receive complimentary benefits such as daily breakfast for two, resort or spa credit, upgrades when available and more with Fine Hotels & Resorts.
- $695 annual fee. See Rates and Fees.
- Terms apply.
- Learn more now about this card!
American Express® Business Gold Card (learn how to apply)
- See the current welcome offer now!
- Check this out: Get 4X Membership Rewards points on the two select categories where your business spent the most each month. (The 4X points apply to the first $150,000 in combined purchases from these two categories each calendar year.)
- Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year!
- This card also offers a flexible payment option to help manage cash flow on purchases of $100 or more.
- Plus, make accounting easier! Connect to Quickbooks, access SpendManager, receive a Year-End Summary, and more.
- See rates and fees.
- Terms apply.
Learn more now about this card, check out other American Express cards, or learn about other business cards!
The Blue Business® Plus Credit Card from American Express (learn how to apply)

Check this out: a no annual fee card that earns Membership Rewards points! (See Rates and Fees. Terms apply.)
Earn 2X points — with no category restrictions — on the first $50,000 in purchases each year. After that, you’ll earn 1X points on purchases thereafter.
It doesn’t come with the bells and whistles of, say, card_name. Nor does it offer the Membership Rewards earning power of the American Express® Gold Card.
However, people looking for a no-annual-fee Membership Rewards card and/or a small business whose budget is rather low might enjoy this card.
Terms apply.
Learn how to apply for about this card!
Capital One Venture Rewards Credit Card (learn more about this card)

See the current welcome offer now!
- Earn unlimited 2X miles on every purchase, every day
- Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
- Transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
- $95 annual fee
Airline Rewards Cards
Southwest Rapid Rewards® Priority Credit Card (learn more)
The card has a $149 fee — but comes with a $75 Southwest annual travel credit. Essentially, that reduces your “out of pocket” to $74 (assuming you use the travel credit). That basically makes this card $25 cheaper than the lower annual fee Southwest Premier Card — which does not have any travel credit.
Not to mention, you’re annually gifted 7,500 anniversary points starting year two. Just because Southwest and Chase LUV having you as a cardmember.
You’ll also enjoy these additional benefits not available on the other Southwest consumer cards:
- Four Upgraded Boardings per year (when available) put you in boarding group A1-15.
- 25% statement credit on inflight drinks and WiFi
The only thing I don’t like about this card is its earnings:
- 2X points per $1 spent on Southwest and Rapid Rewards hotel and car rental partner purchases.
- 1X on everything else.
(Seems someone took a page out of the Delta Amex playbook.)
Read a review and learn more about the Southwest Premier Card
Delta SkyMiles® Reserve American Express Card (learn how to apply)
Points Earnings
- 3X SkyMiles on Delta purchases
- 1X SkyMiles on all other eligible purchases
Status Boost
Enjoy 15,000 bonus MQM each time you spend $30,000 during a calendar year. The most Status Boost MQM you can receive with this card is 60,000 MQM ($120,000 spend during a calendar year). Terms apply.
Delta Sky Club Access
- Enjoy complimentary access to Delta Sky Clubs when traveling on a same-day Delta Air Lines flight. (Read our reviews of Delta Sky Clubs.)
- Receive two guest passes each year to Delta Sky Clubs. A nice perk if you’re traveling with people who don’t have Delta Sky Club access through their own Reserve card or the American Express Platinum cards.
- Terms apply.
American Express Centurion Lounge Access
You’ll have free admission (provided the club isn’t closed to overcrowding) to American Express Centurion Lounges before a same-day Delta Air Lines-operated or -marketed flight. (Read our reviews of American Express Centurion Lounges.) Terms apply.
Upgrade Priority for Medallion Members
Holding a Delta Reserve card serves as tie-breaker for complimentary Medallion upgrades. Terms apply.
Complimentary Upgrades for Non-Medallion Members
Non-elites who hold the Delta Reserve card will eligible for complimentary domestic upgrades (US 50) to Delta One, first class, and Comfort Plus — space providing, after Medallion members and their companions have been upgraded. Terms apply.
MQD Waiver
Spend $25,000 on this — or across any of your Delta Amexes, provided you hold a Platinum or Reserve card — and don’t worry about the MQD requirements for Silver, Gold, or Platinum Medallion. Terms apply.
Companion Certificate
Beginning the second year of holding the card, you’ll receive upon renewal a certificate for a free (except for taxes and fees) companion first class or coach qualifying fares on Delta. Read our Companion Certificate FAQ. Terms apply.
Global Entry/TSA PreCheck Fee Credit
Receive a statement credit for your Global Entry application fee every four years or TSA PreCheck application fee every 4.5 years when paying with your Delta SkyMiles® Platinum American Express Card. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- 20% statement credit on purchases made aboard Delta Air Lines flights (premium food, beverages, headsets, etc)
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
Annual Fee
$550 (See rates and fees.)
Who Should Have This Card?
Frequent Delta travelers who want lounge access — and can spend their way to status.
Learn more now about the Delta SkyMiles® Reserve American Express Card.
Southwest® Rapid Rewards® Performance Business Credit Card

Get rewarded for being a loyal cardmember — and receive 9,000 bonus Rapid Rewards points after your Cardmember anniversary!
Points Earnings
- 3X on Southwest Airlines purchases
- 2X on social media
- 2X on search engine advertising
- 2X on Internet, cable, and phone services
- 1x on everything else
Travel Benefits
- Four Upgraded Boardings (A1-15) per year when available
- Up to 365 if-used inflight WiFi credits
- Global Entry or TSA Pre✔ application fee credit
- Earn tier points toward A-List Status
Learn how to apply for the Southwest Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card (learn more)
Southwest shows you the LUV with 6,000 bonus points every year on your cardmember anniversary! (Annual fee: $99, billable on your first statement)
Earn 2 points for every dollar you spend on Southwest Airlines purchases. (Earn 1 point for every dollar you spend elsewhere.)
This $99 annual fee card has no foreign transaction fees.
Read a review and learn more about the Southwest Rapid Rewards Premier Business Credit Card.
United Quest℠ Card (learn more about this card)

See the current welcome offer now!
The United Quest℠ Card gives members a couple of perks starting the second year:
- $125 in United purchase statement credits
- 5,000-point rebate after taking a United or United Express-operated award flight booked with miles. The benefit can be used twice a year. So there’s a possibility of 10,000 points back annually.
Cardholders earn 500 Premier Qualifying Points (PQP) for each $12,000 spent on the card each year (up to 3,000 PQP).
Points Earnings:
- 3X on United Airlines purchases
- 2X on select streaming services
- 2X at restaurants
- 2X miles on all other travel
- 1X mile on all other purchases
Travel Benefits:
- Free first and second checked bags on United trips (a potential savings of $320 per roundtrip)
- Up to $100 statement credit for Global Entry or TSA Pre√ application fee
- 25% statement credit for purchases made onboard United flights (drinks, etc)
- No foreign transaction fees
$250 annual fee.
Learn more now about this card!
United℠ Explorer Card (learn how to apply)

See the current welcome offer now!
Waived annual fee the first year!
- $0 introductory annual fee for the first year, then $95
Points earnings:
- 2X on dining and eligible delivery services
- 2X on hotel stays
- 2X on United purchases
Other Benefits:
- Two one-time passes to the United Club each Year (starting the second year of card membership)
- First checked bag free for the cardholder and one travel companion when using your card to purchase your ticket for United- and United Express-operated flights.
- Priority boarding privileges
- Up to $100 Global Entry or TSA PreCheck fee Credit
Who Should Have This Card?
If you travel on United even once or twice a year — especially with a companion — the free checked bag benefit can easily wipe out the $95 annual fee. And don’t forget the two United Club passes that you receive starting in year two. United Clubs feature complimentary food and beverages — which is better than paying for grub on airport concourses.
Learn more now about the United Explorer Card!
Delta SkyMiles® Platinum American Express Card (learn how to apply)
Points Earnings
- 3X SkyMiles on Delta purchases
- 2X SkyMiles at restaurants worldwide
- 2X SkyMiles at US supermarkets
- 1X SkyMiles on all other eligible purchases
- Terms apply
Status Boost
Enjoy 10,000 bonus MQM when you spend $25,000 on your card during a calendar year. Earn one additional 10,000 bonus MQM if you spend another $25,000 during the same calendar year. Terms apply.
Companion Certificate
Beginning the second year of holding the card, you’ll receive upon renewal a certificate for a free (except for taxes and fees) companion coach fare on eligible Delta flights. Read our Companion Certificate FAQ. Terms apply.
Delta Sky Club Access
Visit Delta Sky Clubs (when traveling on same-day Delta itinerary) for $39. Bring up to two guests for $39 each. Terms apply.
Global Entry/TSA PreCheck Fee Credit
Receive a statement credit for your Global Entry application fee every four years or TSA PreCheck application fee every 4.5 years when paying with your Delta SkyMiles® Platinum American Express Card. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- 20% statement credit on purchases made aboard Delta Air Lines flights (premium food, beverages, headsets, etc)
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
- Terms apply.
MQD Waiver
Spend $25,000 on this — or across any of your Delta Amexes, provided you hold a Platinum or Reserve card — and don’t worry about the MQD requirements for Silver, Gold, or Platinum Medallion. Terms apply.
Annual Fee
$250 (See Rates and Fees)
Who Should Have This Card?
Frequent-ish Delta travelers who want to achieve or maintain Medallion status. Plus, it’s good for saving money on Delta incidental purchases.
Learn more now about the Delta SkyMiles® Platinum American Express Card. Terms apply.
Delta SkyMiles® Reserve Business American Express Card (learn more about this card)
Points Earnings
- 3X SkyMiles on Delta purchases
- 1.5X SkyMiles on purchases after you spend $150,000 on the card during a calendar year
- 1X SkyMiles on all other eligible purchases
- Terms apply.
Status Boost
Enjoy 15,000 bonus MQM each time you spend $30,000 during a calendar year. The most Status Boost MQM you can receive with this card is 60,000 MQM ($120,000 spend during a calendar year). Terms apply.
Delta Sky Club Access
- Enjoy complimentary access to Delta Sky Clubs when traveling on a same-day Delta Air Lines flight. (Read our reviews of Delta Sky Clubs.)
- Receive two guest passes each year to Delta Sky Clubs. A nice perk if you’re traveling with people who don’t have Delta Sky Club access through their own Reserve card or the American Express Platinum cards.
- Terms apply.
American Express Centurion Lounge Access
You’ll have free admission (provided the club isn’t closed to overcrowding) to American Express Centurion Lounges before a same-day Delta Air Lines-operated or -marketed flight. (Read our reviews of American Express Centurion Lounges.) Terms apply.
Upgrade Priority for Medallion Members
Holding a Delta Reserve card serves as tie-breaker for complimentary Medallion upgrades. Terms apply.
Complimentary Upgrades for Non-Medallion Members
Non-elites who hold the Delta Reserve card will eligible for complimentary domestic upgrades (US 50) to Delta One, first class, and Comfort Plus — space providing, after Medallion members and their companions have been upgraded. Terms apply.
MQD Waiver
Spend $25,000 on this — or across any of your Delta Amexes, provided you hold a Platinum or Reserve card — and don’t worry about the MQD requirements for Silver, Gold, or Platinum Medallion. Terms apply.
Companion Certificate
Beginning the second year of holding the card, you’ll receive upon renewal a certificate for a free (except for taxes and fees) companion first class or coach qualifying fares on Delta. Read our Companion Certificate FAQ. Terms apply.
Global Entry/TSA PreCheck Fee Credit
Receive a statement credit for your Global Entry application fee every four years or TSA PreCheck application fee every 4.5 years when paying with your Delta SkyMiles® Platinum American Express Card. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- 20% statement credit on purchases made aboard Delta Air Lines flights (premium food, beverages, headsets, etc)
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
- Terms apply.
Annual Fee
$550. (See Rates and Fees)
Who Should Have This Card?
Business owners/independent contractors who are frequent Delta travelers and lounge access. Plus, if you can spend a lot of money on this card, you’ll love the Status Boosts.
Learn more now about this card! Terms apply.
Delta SkyMiles® Platinum Business American Express Card (learn more about this card)
Points Earnings
- 3X SkyMiles at hotels
- 3X SkyMiles on Delta purchases
- 1.5 SkyMiles on all eligible purchases of $5,000 or more
- 1X SkyMiles on all other eligible purchases
- Terms apply.
Status Boost
Enjoy 10,000 bonus MQM and 10,000 bonus redeemable SkyMiles when you spend $25,000 on your card during a calendar year. Earn one additional 10,000 bonus MQM if you spend another $25,000 during the same calendar year. Terms apply.
Companion Certificate
Beginning the second year of holding the card, you’ll receive upon renewal a certificate for a free (except for taxes and fees) companion coach fare on eligible Delta flights. Read our Companion Certificate FAQ. Terms apply.
Delta Sky Club Access
Visit Delta Sky Clubs (when traveling on same-day Delta itinerary) for $39. Bring up to two guests for $39 each. Terms apply.
Global Entry/TSA PreCheck Fee Credit
Receive a statement credit for your Global Entry application fee every four years or TSA PreCheck application fee every 4.5 years when paying with your Delta SkyMiles® Platinum American Express Card. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- 20% statement credit on purchases made aboard Delta Air Lines flights (premium food, beverages, headsets, etc)
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
- Terms apply.
MQD Waiver
Spend $25,000 on this — or across any of your Delta Amexes, provided you hold a Platinum or Reserve card — and don’t worry about the MQD requirements for Silver, Gold, or Platinum Medallion. Terms apply.
Annual Fee
$250. (See Rates and Fees)
Who Should Have This Card?
Business owners who frequently travel on Delta and wish to to achieve or maintain Medallion status. Plus, it’s good for saving money on Delta incidental purchases.
Learn more now about this card! Terms apply.
Delta SkyMiles® Gold American Express Card (learn more about this card)
Points Earnings
- 2X SkyMiles at restaurants worldwide
- 2X SkyMiles at US supermarkets
- 2X SkyMiles on Delta purchases
- 1X SkyMiles on all other eligible purchases
- Terms apply.
Other Spend Benefits
Receive a $100 Delta flight credit for future travel after you spend $10,000 on the card during a calendar year. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
- Terms apply.
Annual Fee
Waived the first year! Then $99 each year, beginning the second year you hold the card. (See rates and fees.)
Who Should Have This Card?
Infrequent leisure travelers who want to save money on checked baggage.
Learn more now about the Delta SkyMiles® Gold American Express Card.
Delta SkyMiles® Gold Business American Express Card (learn how to apply)
Points Earnings
- 2X SkyMiles at restaurants worldwide
- 2X SkyMiles on US shipping
- 2X SkyMiles on US advertising in select media
- 2X SkyMiles on Delta purchases
- 1X SkyMiles on all other eligible purchases
- Terms apply.
Other Spend Benefits
Receive a $100 Delta flight credit for future travel after you spend $10,000 on the card during a calendar year. Terms apply.
Delta Travel Perks
- Free first checked bag for you and up to eight others on your itinerary/PNR
- Main Cabin 1 Priority Boarding
- Pay with Miles eligibility
- Terms apply.
Annual Fee
Waived the first year! Then $99 each year, beginning the second year you hold the card. (See Rates and Fees)
Who Should Have This Card?
Infrequent business travelers who want to save money on cards better spend bonuses but higher annual fees.
Learn more now about the Delta SkyMiles® Gold Business American Express Card.
Hotel Credit Cards
IHG® Rewards Premier Credit Card (learn more)

I swore I’d never get this card (SPOILER ALERT: I did!) because, like René and many other travelers, I was upset when IHG devalued the previous card’s yearly anniversary free night at any IHG property worldwide. They’ve since capped the redemption to properties that are 40,000 points and less.
So why did I get this card?
The welcome bonus, a fourth-night free benefit, and realizing a hotel room for $99 (the card’s annual fee) is still a good deal. (Note the anniversary night kicks in year two. But you can have some good with the welcome bonus points!)
Points Earnings
- Earn up to 26X points when you pay for an IHG stay with your IHG® Rewards Premier Credit Card.
- Earn 5X points on:
- Gas stations
- Travel
- Restaurants
3X points on all other purchases
Other IHG® Rewards Premier Credit Card Benefits
- Platinum Elite Status with perks such as:
- Room upgrades
- Guaranteed room availability
- Complimentary internet
- Priority check-in
- Late check-out
- Welcome amenity
- $30 In-room spa credit (where available)
- Complimentary “Anniversary” Night at Eligible IHG Hotels
- Valid at properties with a redemption level of 40,000 or points or less
- You receive the anniversary night beginning your second year of card membership
- $100 Global Entry or TSA Pre√ application credit every four years.
- No foreign transaction fees
This card’s annual fee is $99
The card’s complimentary Platinum elite status has scored me a hospitality suite, some minor room upgrades, and plenty of early check-ins and check-outs.
If you hold the old/now-defunct IHG Rewards, pool that card’s anniversary night with the IHG® Rewards Premier Credit Card‘s. You essentially receive two hotel nights each year for a total of $138.
Again, I hold this card because I received a great welcome bonus — and I also value the anniversary night.
Read a review of and learn more about the IHG® Rewards Premier Credit Card!
Marriott Bonvoy Business™ American Express® Card (learn more about this card)
Enjoy a free anniversary night valid for stays under 35,000 points beginning the second year you hold the card. Plus, earn another free anniversary night when you spend $60,000 on your card within a calendar year.
Receive complimentary Silver status just for being a cardholder! Silver members enjoy benefits such as:
- Priority late checkout
- 10% bonus points on stays
Plus, cardmembers receive a complimentary upgrade to Gold status when spending $35,000 on the card during a calendar year. Remember, though, card_name and card_name give cardholders complimentary Gold status (enrollment required).
Bonus categories for using your card:
- 6X points at participating Marriott Bonvoy hotels
- 4X points at U.S. restaurants
- 4X points at U.S. gas stations
- 4X points on wireless telephone services purchased directly from U.S. service providers
- 4X points on U.S. purchases for shipping
- 2x points on all other eligible purchases
$125 annual fee (see rates and fees). Terms apply.
Learn more now about the Marriott Bonvoy Business American Express Card, check out more American Express cards, or learn about other hotel cards!
Marriott Bonvoy Boundless® Credit Card (learn more)
The card’s $95 annual fee can still score you a discounted room with its anniversary night (good at properties up to 35,000 points) that triggers during year two. The card also bestows you complimentary Silver status with Bonvoy, which means you enjoy:
- Priority late checkout
- 10% bonus points on stays
How About Its Bonus Categories?
- 6X Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels.
- 2X Bonvoy points for every $1 spent on all other purchases.
So the earnings are fairly meh (certainly better than a few other cards). But a nice hotel room for $95 a year is certainly with considering.
Read a review of and learn more about the Marriott Bonvoy Boundless Visa Signature Credit Card!
Hilton Honors American Express Surpass® Card (learn more)
The Hilton Honors American Express Surpass Card (learn how to apply) offers its cardholders several benefits:
- Complimentary Hilton Honors Gold status (upgrade to Diamond after spending $40,000 on the Surpass Card during a calendar year.) Some of the Gold status perks include:
- Complimentary breakfast at all hotels
- Space-available upgrades to Executive rooms
- Earn a Weekend Night Reward after spending $15,000 in a calendar year.
- 10 free visits each year at Priority Pass airport lounges
- Late check-out
- 5th standard reward night free
- Two bottles of water
- Elite tier rollover nights
- 80% Elite tier bonus points
Cardholders receive the following bonus Hilton Honors points for select purchases:
- 12X on eligible purchases at a participating Hilton portfolio hotel or resort
- 6X at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- 3X on all other eligible purchases.
The Hilton Honors American Express Surpass Card (learn more about this card) carries a $95 annual fee that is not waived the first year. But the fee can be offset fairly easily for a while thanks to the free breakfasts and annual Priority Pass visits.
Learn how to apply for the Hilton Honors American Express Surpass Card!
Hilton Honors American Express Card (learn more)
The basic, no annual fee Hilton Honors American Express Card gives cardholders complimentary Silver status (and can earn Gold after spending $20,000 in a calendar year).
Silver status benefits include:
- Late check-out
- 5th standard reward night free
- Two bottles of water
- Elite tier rollover nights
- 20% Elite tier bonus points
The Hilton Honors American Express Card offers the following Hilton Honors point bonuses.
- 7X on eligible purchases at a participating Hilton portfolio hotel or resort
- 5X at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- 3X on all other eligible purchases.
- Terms apply
Learn more now about the Hilton Honors American Express Card
The World of Hyatt Credit Card (learn more)

See the current welcome offer now!
Travel Benefits
- Receive one free anniversary night each year (beginning the second year of card membership). The benefit may be redeemed at any Category 1-4 Hyatt hotel or resort. Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year!
- Enjoy complimentary World of Hyatt Discoverist status for as long as you’re a cardholder.
- Receive 5 tier qualifying night credits towards status each year you hold the card.
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Points Earnings
- Up to 9X during Hyatt stays
- 2X at restaurants
- 2X on airline tickets purchased directly from airlines
- 2X on local transit and commuting
- 2X on gym and fitness club memberships
Learn more aboutThe World of Hyatt Credit Card now!
Marriott Bonvoy Bold® Credit Card (learn more)

See the current welcome offer now!
Earn points in the following categories:
- 3X per $1 spent at participating Marriott Bonvoy hotels
- 2X per $1 spent on other travel purchases (think airfares, rideshare, taxis, etc)
- 1X on all other purchases
Plus, there’s no annual fee and no foreign transaction fees!
Read a review of and learn more about the Marriott Bonvoy Bold Visa Signature Credit Card!
Cash Back Cards
Chase Freedom Flex℠ (learn more)

- Save money with no annual fee!
- Two 5% cashback categories:
- Earn 5% cashback on up to $1,500 on purchases in quarterly bonus categories you activate.
- Earn 5% cashback on travel purchased through Chase. So if you book a trip through Chase’s travel service, you’ll receive 5% cashback.
- You also enjoy 3% cashback on some other purchases:
- Dining at restaurants, including takeout and eligible delivery services
- Drugstores
- Learn more now about the Chase Freedom Flex℠ credit card!
Chase Freedom Unlimited® (learn more)
- No annual fee!
- Earn 5% cashback on travel purchased through Chase. So if you book a trip through Chase’s travel service, you’ll receive 5% cashback — and still earn both elite and redeemable miles on your airline ticket purchases!
- You also enjoy 3% cashback on some other purchases:
- Dining at restaurants, including takeout and eligible delivery services
- Drugstores
- Plus, earn 1.5% cashback on all other eligible purchases.
- Learn more now about the Chase Freedom Unlimited® credit card!
Ink Business Cash® Credit Card (learn more about this card)

- No annual fee!!
- Receive 5% cash back on the first $25,000 spent in combined purchases each anniversary year on the following categories:
- Office supply stores
- Internet, cable, and phone services
- Receive 2% cash back on the first $25,000 spent in combined purchases each anniversary year on the following categories:
- Gas stations
- Restaurants
- Unlimited 1% cash back on all other purchases!
- Enjoy redeeming your savings as cash back, gift cards, travel, and more through Chase Ultimate Rewards®!
- And, of course, NO ANNUAL FEE!!!
- Learn more now about the Ink Business Cash Credit Card!
Ink Business Unlimited® Credit Card (learn more about this card)
No annual fee!!
- See the current welcome offer now!
- Earn unlimited 1.5% cash back on every purchase!
- Enjoy redeeming your savings as cash back, gift cards, travel, and more through Chase Ultimate Rewards®!
- And, of course, NO ANNUAL FEE!!!
- Read a review of the Ink Business Unlimited Credit Card!
Blue Cash Preferred® Card from American Express (learn more about this card)

Check out these bonus categories:
- Earn 6% back on up to $6,000 spent at U.S. supermarkets annually
- Earn 6% back on select U.S. streaming subscriptions (like Netflix, Amazon Prime Video, Spotify, Apple Music, and many others)
- Earn 3% back on transit purchases (think Lyft, Uber, parking, tolls, etc.)
- Earn 3% back at U.S. gas stations
- Earn 1% back on everything else.
$95 annual fee. (See Rates and Fees)
Terms apply.
(Cashback is earned in the form of Reward Dollars, which may then be applied toward statement credit.)
Read a review of and learn more about the Blue Cash Preferred® Card from American Express
Blue Cash Everyday® Card from American Express (learn more)
Great cashback categories! (Cashback is earned in the form of Reward Dollars, which may then be applied toward statement credit.)
- 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 on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%).
- 1% Cash Back on other purchases.
- Earn $7 back each month after using your Blue Cash Every Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. (Enrollment required.)
No annual fee. (See Rates and Fees)
Terms Apply.
Read a review of and learn more about the Blue Cash Everday Card from American Express!
Eye of the Flyer, a division of Chatterbox Entertainment, Inc., has partnered with CardRatings for our coverage of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers.
Learn now about more credit card offers!
******************************************************************
.If you do not get instant approvals you may need to call to follow up at the reconsideration lines. There is no set time to wait and if you apply on a weekday during business hours you can call almost right away. The numbers for the credit card company’s are below:
-
-
Bank Of America Credit Card Reconsideration
866-458-8805 credit analyst
877-721-9405 application status press 3
866-421-8153 Credit analyst – existing cardholders
800-718-6072 Credit analyst – for existing cardholders
Barclay’s Credit Application Center (also Virgin America)
800-308-6008 or 866-408-4064
Chase Bank Reconsideration numbers
(800) 432-3117 – General Application Status Line, automated
(888) 245-0625 – Personal Reconsideration Line with a live rep
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(888) 871-4649 – Alternative Personal Reconsideration with live rep
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 432-3117 – General Card Services and Application Status, automated
(800) 955-9900 – General Card Services and Application status, automated
Citibank Credit Card Reconsideration
800-763-9795 credit department
866-606-2787 or 888-201-4523 application status
Capital One Card Reconsideration
800-625-7866 Account Specialist
800-951-6951 customer relations
800-548-4593 application status – automated
800-889-9939 or 800-625-7866 Account Specialist
877-513-9959 Account Retention
800-707-0489 Senior Escalation Account Managers
Discover Card Reconsideration
888-676-3695 credit analyst
866-219-0214 Retention Department
HSBC Card Reconsideration
866-574-4421 Application Status
866-551-0258 Credit Analyst
866-280-0118 Executive Resolution Unit
US BANK
800-947-1444 Application Status
800-685-7680 Underwriting
-
To see the rates and fees for the American Express cards featured above, please visit the following links:
- Delta SkyMiles® Reserve American Express Card (See Rates and Fees)
- Delta SkyMiles® Reserve Business American Express Card (See Rates and Fees)
- Delta SkyMiles® Platinum American Express Card (See Rates and Fees)
- Delta SkyMiles Platinum Business American Express Card (See Rates and Fees)
- Delta SkyMiles® Gold American Express Card (See Rates and Fees)
- Delta SkyMiles Gold Business American Express Card (See Rates and Fees)
- The Platinum Card® from American Express (See Rates and Fees)
- The Business Platinum Card® from American Express (See Rates and Fees)
- American Express® Gold Card (See Rates and Fees)
- Blue Cash Preferred® Card from American Express (See Rates and Fees)
- American Express® Green Card (See Rates and Fees)
- Blue Cash Everyday® Card from American Express (See Rates and Fees)
- Marriott Bonvoy Brilliant™ American Express® Card (See Rates and Fees)
- Marriott Bonvoy Business American Express Card (See Rates and Fees)
Comments 1