Credit Cards » Compare Credit Cards » Amex Blue Cash Preferred vs Chase Freedom Unlimited: Compare
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Amex Blue Cash Preferred vs Chase Freedom Unlimited: Compare

In terms of cashback rates, the Blue Cash Preferred is a clear winner. But is it still apply if you're a high spender? Here's our analysis.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

The Blue Cash Preferred® Card from American Express and Chase Freedom Unlimited® cards are designed for daily use. While other cards prioritize travel, these cards offer the highest rewards on U.S. supermarkets, dining out, and transport.

However, there are crucial differences between the cards. We’ll look at these cards in more detail so you have the information you need to choose which card is best for you.

General Comparison

AMEX Blue Cash Preferred Card review

chase freedom unlimited card

Amex Blue Cash Preferred
Chase Freedom Unlimited
Annual Fee
$95 ($0 intro for the first year). See Rates & Fees.
$0
Rewards
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases .Terms Apply.
Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.
Welcome bonus
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..
0% Intro APR
12 months on purchases and balance transfers , then 19.24% – 29.99% Variable APR
15 months on purchases and balance transfers, then 20.24%–28.99% variable APR
Foreign Transaction Fee
2.70%. See Rates & Fees.
3%
Purchase APR
19.24% – 29.99% Variable
20.24%–28.99% variable
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

While we’ve looked at various card features, it can be tricky to understand the real cash benefits without a direct scenario comparison. Since both of these cards are designed for your everyday spending, we will examine typical monthly spending to see the potential rewards you could obtain with similar spending. 

Keep in mind to adjust the numbers to your regular spending categories, which may be different – so choose your card wisely and calculate depending on your personal habits.

AMEX Blue Cash Preferred Card review

chase freedom unlimited card

Spend Per Category
Amex Blue Cash Preferred
Chase Freedom Unlimited
$15,000 – U.S Supermarkets
$450
$225
$5,000 – Restaurants
$50
$150
$1,000 – Airline
$10
$50
$1,000 – Hotels
$10
$50
$4,000 – Gas
$120
$60
Estimated Annual Value
$640
$475

Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more

Chase Freedom Unlimited cash back status on app
Chase Freedom Unlimited cash back status (Screenshot from Chase app)

Compare Welcome Bonus And Fees

Both cards offer cash welcome bonus, so you don’t need to convert and redeem points to enjoy your welcome bonus. The Blue Cash Preferred offers a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. The Chase Freedom Unlimited offers a similar bonus but in a different way – Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..

Both issuers also offer some additional welcome bonuses. Amex offers Blue Cash Preferred new cardholders a $0 fee on Buy Now, Pay Later plans created in the first 12 months, while Chase offers higher cash back on U.S. supermarket purchases for the first year with a cap. However, Walmart and Target purchases are excluded from this offer.

However, while Chase has no annual fee for the Freedom Unlimited, the Blue Cash Preferred has an annual fee of $95 ($0 intro for the first year). However, while Chase has a balance transfer fee of $5 or 5% after the first 60 days, the Blue Cash Preferred offers lower balance transfer fee ($5 or 3%, whichever is greater).

Compare The Perks

Amex Blue Cash Preferred

AMEX Blue Cash Preferred Card review

  • Equinox+ Credit: When you use your Blue Cash Preferred credit card to pay for your Equinox+, you’ll receive $10 a month in statement credit. Terms Apply.
  • Additional Car Rental Insurance: When you use your Blue Cash Preferred card to reserve and pay for your car rental, you’ll receive additional car rental loss, damage, and theft insurance.
  • Purchase Return Protection: You can enjoy return protection on eligible items with up to $300 per item and a cap of $1,000 per year. You must make your purchases with your card and negotiate with the seller first.
  • Exclusive Ticket Presale Access: Via American Express Experiences, you can obtain exclusive access to card member only events and ticket presales for concerts, sporting events, shows, and family events. Terms Apply.
  • Disney Bundle Credit: Earn an $84 Disney Bundle Credit by receiving a monthly $7 statement credit when you use your enrolled Blue Cash Preferred® Card to make monthly subscription payments of $9.99 or more. 
Chase Freedom Unlimited

chase freedom unlimited card

  • Free credit score with Chase Credit Journey – Credit Journey provides you with personalized insights to help you build, monitor and protect and improve your credit health. 
Using Chase Credit journey
Using Chase Credit journey (Screenshot from Chase app)
  • Instacart+ Perk: Enjoy a complimentary 3-month Instacart+ membership with the Freedom Unlimited card, granting you unlimited deliveries sans delivery fees and reduced service fees on eligible orders.
  • 5% Cash Back/5x Points on Lyft Rides: Elevate your Lyft experiences until March 31, 2025, with the card's enhanced rewards, providing 5% cash back or 5x points on your rides.
  • Purchase Protection: Avail yourself of purchase protection with this card, safeguarding your new acquisitions for 120 days against theft or damage, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Both cards extend the original U.S. manufacturer's warranty by an extra year for eligible warranties lasting three years or less.
  • My Chase Plan: Capitalize on the My Chase Plan option, enabling you to effortlessly settle eligible purchases of $100 or more through equal monthly payments, devoid of interest and accompanied by a fixed monthly fee.
My Chase Plan with Chase Unlimited card
My Chase Plan with Chase Unlimited card (Screenshot from Chase app)

Compare Redemption Options

Chase offers several ways to redeem your rewards. These include:

  • Statement credit or a direct deposit: There is no minimum to redeem your rewards in this way and direct deposits are acceptable for most U.S checking and savings accounts.
  • Amazon shopping: You can also use your rewards to pay for all or part of eligible Amazon.com orders when you link your card to your Amazon account.
  • Gift cards: Chase has a variety of gift card options including for dining, entertainment and shopping.
  • Travel rewards. You can use the Chase Ultimate Rewards platform to access competitive rates for travel products including hotel stays and flights.
example of Redeeming Chase freedom unlimited points for travel
Redeeming Chase freedom unlimited points for travel (Screenshot from Chase app)

When it comes to redeem your Blue Cash Preferred cash back, it's quite simple. Log into your American Express account and select “Use Reward Dollars” to redeem your Reward Dollars.

You can redeem your available Reward Dollars balance for a statement credit at a rate of 1.00 Reward Dollar to $1.00 as long as your available Reward Dollars balance is 25 or more.

Simply enter the number of Reward Dollars you want to use as a credit toward your next statement balance, and the credit should appear within three days.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How to Maximize Cards Benefits?

If you want to make the best use of your Blue Cash Preferred, there are some tips to help you:

  • Meet the minimum spend for the introductory offer. You’ll get $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Don’t just buy groceries at the grocery store. You’ll get higher on purchases at U.S. supermarkets, but this doesn’t mean that you’re limited to groceries. You can buy homewares, tools and other items at U.S. supermarkets to maximize your cash back. Terms Apply.
  • Reserve and pay for your rental cars with your card. This will provide additional insurance protection for damage and theft. However, Chase has better cards for rental car insurance.
  • Check out American Express Experiences: If you like going to concerts, sporting events, and shows, be sure to check out this platform for exclusive access to ticket presales.

If you want to make the best use of your Chase Freedom Unlimited , there are some tips to help you:

  • Utilize Alongside Other Cards: You should maximize the cashback rewards you get by combining the use of the Chase Freedom Unlimited Card with other credit cards for excellent credit,  that might have complimentary cashback rates for certain types of purchases.

  • Sign up bonus – make sure you spend the right amount needed in order to maximize your sign up bonus.
  • Budgeting: This credit card allows you to easily plan in advance as the cashback rates stay the same. Therefore, you can plan your purchases and figure out how much cashback you will receive when doing so. The Freedom unlimited card also offers spending and budgeting chart and analysis:
Chase Freedom Unlimited budgeting charts
Chase Freedom Unlimited spending and budgeting charts (Screenshot from Chase app)

Customer Reviews: Which Card Wins?

Satisfied customers report that this is a great card to negate the rising cost of groceries. While there is a cap of $6,000 per year, you can earn higher cash back on your bills at U.S. supermarkets. The other highlights include an easy to qualify for introductory cash bonus.

AMEX Blue Cash Preferred Card review

Satisfied customers report the Chase Freedom Unlimited offers some great rewards for everyday spending. This means that you can maximize your rewards without needing to drastically change your spending habits. Cardholders also appreciate the 0% introductory rate for 15 months on purchases and balance transfers.

chase freedom unlimited card

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 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

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 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

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Blue Cash Preferred?

The Amex Blue Cash Preferred Card is one of the best Amex cards and can be a great option that could be good if:

  • You tend to spend $500 or less a month at U.S. supermarkets, as you’ll enjoy higher cash back up to a cap of $6,000 per year. After this, you’ll earn 1%.
  • You like attending concerts, sporting events, and other ticketed events and will make use of the Amex ticket presale platform.
  • You plan on making $2,000 in purchases within the first six months, so you’ll qualify for the cash back bonus.

When You Might Want the Chase Freedom Unlimited?

The Chase Freedom Unlimited Card is a solid choice if:

  • You will spend at least $20,000 during your first year to maximize your sign up cash back bonus.
  • You enjoy dining out, as you’ll get higher cashback on your purchases
  • Prefer Dependable Cashback: You will have reliable flat cashback rates in place that allows you to plan ahead of time when making purchases and know what cashback you will get.

Compare The Alternatives

Both the Blue Cash Preferred and Chase Freedom Unlimited offer some interesting rewards, particularly for every day purchases.

However, there are some alternatives that you should know as well before making a decision of what's best choice for you.

American express everyday card review 2021

Chase Freedom Flex

citi double cash

American Express EveryDay® Card
Chase Freedom Flex℠ Card
Citi® Double Cash Card
Annual Fee
$0 . See Fees & Rates
$0
$0
Rewards
1X – 2X 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
1-5%
1% – 2% 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
Welcome bonus
10,000 points 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
$200
$200 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
Foreign Transaction Fee
2.7%
3%
3%
Purchase APR
18.24% – 28.24% Variable
20.49%–29.24% variable
19.24% – 29.24% (Variable)

FAQ

You can get the premium cashback rate on U.S. Supermarkets until you have annual purchases in this area of $6,000. The rate then goes to 1%. Otherwise, there are no restrictions.

No transparent income requirements or proof of income requests are in place when you are looking to get your hands on the Blue Cash Preferred Card.

The points don’t expire as long as your account remains open. Therefore, you will not have to be worrying about using up the points before they expire.

The initial credit limit varies, but can often be between $1,000 and $5,000. It will depend on the various answers that you have given as part of the application process.

Compare Amex Blue Cash Preferred

Cash back or Amex membership rewards? Annual fee with higher rewards or no annual fee? Here's our full analysis – which is better for you?

Amex Everyday® Card vs Blue Cash Preferred® Card from American Express

When it comes to travel benefits, there is a clear winner. But what about if you're looking for rewards on everyday spending?

Amex Blue Cash Preferred vs Chase Sapphire Preferred

While the Amex Gold Card is more expensive than the Blue Cash Preferred, its rewards program and other benefits are more lucrative.

Amex Blue Cash Preferred vs. Amex Gold: Which One Gives You More?

The Citi Custom cash offers high cashback on your preferred category, but it's very limited in rewards compared to the Blue Cash Preferred.

Amex Blue Cash Preferred vs. Citi Custom Cash Card

If you can maximize supermarket benefits, the Amex Blue Cash Preferred may be more suitable than the Everyday card despite the annual fee.

American Express Blue Cash Everyday vs. Preferred: Side By Side Comparison

Compare Chase Freedom Unlimited

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?

Chase Freedom Flex vs Chase Freedom Unlimited: Which Card Is Best?

While both cards offer decent cash back rewards with no annual fee, there is a clear winner between the two. And here's why we think so.

American Express Everyday® Card vs Chase Freedom Unlimited®: Which Card Wins?

The flat rate cash back on Citi Double Cash Card is higher – but usually, it may not be the best option. Here's The Smart Investor analysis.

Citi Double Cash Card vs Chase Freedom Unlimited: Which Card Wins?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Blue Cash Everyday is the winner if you need gas and grocery purchases, while the Freedom Unlimited offers better travel rewards

Amex Blue Cash Everyday vs. Chase Freedom Unlimited: Which Card Wins?

When it comes to cashback potential, the Chase Freedom Unlimited wins, especially for those who frequently engage in travel-related expenses.

Chase Freedom Unlimited vs. Citi Custom Cash Card: Which Card Wins?

The Savor card is ideal for dining out and entertainment, while the Freedom Unlimited is best for travelers and those who need 0% intro APR.

Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison

The BofA Customized Cash Rewards is more flexible, but the Chase Unlimited card will drive more rewards and benefits. Here's why.

Bank of America Customized Cash Rewards vs Chase Freedom Unlimited: Which Card Wins?

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison

Wells Fargo Active Cash vs. Chase Freedom Unlimited: Which Card Wins?

The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.

Apple Card vs. Chase Freedom Unlimited: How They Compare?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Best Cards Per Category
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 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

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 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

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.