Credit Cards » Compare Credit Cards » United Quest vs. Delta SkyMiles Platinum: Side By Side Comparison
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United Quest vs. Delta SkyMiles Platinum: Side By Side Comparison

While having the same annual fee, we think the Delta SkyMiles Platinum is a better choice than the United Quest card. Here's why:
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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.

The United Quest Card and the Delta SkyMiles Platinum Card are both premium airline miles credit cards, that offer a variety of benefits to frequent travelers. Let's compare them side by side.

General Comparison

The United Quest Card, issued by Chase in partnership with United Airlines, is tailored for frequent United travelers. With a strong focus on United perks, cardholders enjoy benefits such as up to $125 in annual United purchase credits, priority boarding, and free first and second checked bags.

United Quest Card
United Quest Card (Photo by Rawpixel.com/Shutterstock)

On the other hand, the Delta SkyMiles Platinum Card, offered by American Express in collaboration with Delta Air Lines, provided perks like a companion certificate upon card renewal, priority boarding, and a free checked bag.

Here's a side by side comparison of the cards main features:

Amex Delta SkyMiles Platinum card

United Quest℠ Card

Delta SkyMiles Platinum
United Quest Card
Annual Fee
$250
Rewards
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.
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
85,000 bonus miles after you spend $4,000 in your first six months.
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.
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
20.99%-29.99% Variable
21.99% – 28.99% variable
Read Review
Read Review
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.
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.

Credit Card Points Battle: A Side-by-Side Analysis

Based on our analysis, the Delta Platinum card emerges as the undisputed champion. It not only accrues more points for equivalent spending but also boasts a higher estimated annual redemption value compared to the United Quest card.

Amex Delta SkyMiles Platinum card

United Quest℠ Card

Spend Per Category
Delta SkyMiles Platinum
United Quest Card
$15,000 – U.S Supermarkets
30,000 miles
15,000 miles
$5,000 – Restaurants
10,000 miles
10,000 miles
$6,000 – Hotels
18,000 miles
12,000 miles
$8,000 – Airline
24,000 miles
24,000 miles
$4,000 – Gas
4,000 miles
4,000 miles
Total Points
86,000 miles
65,000 miles
Estimated Redemption Value
1 mile = ~1.3 cents
1 point = ~1.2 cents
Estimated Annual Value
$1,118
$780

Delta Platinum cardholders can use miles on Delta flights, upgrades, and with partner airlines. You also get special access to Delta Sky Club lounges. Plus, you can use your miles for hotel stays, car rentals, and shopping on Delta's SkyMiles Marketplace.

Delta platinum card: book flights with miles + cash
Delta platinum card: book flights with miles + cash (Screenshot taken by our team from delta app)

United Airlines' MileagePlus program offers diverse redemption options, allowing members to use miles for flights, upgrades, hotel stays, car rentals, and merchandise.

Travel And Airline Benefits: Comparison

While the Delta SkyMiles Platinum card and the United Quest card provide premium perks, the Delta Platinum card offers a bit more extensive range, including an annual companion certificate, statement credits, Hertz Five Star status, and Delta stays credit.

Delta SkyMiles Platinum

Amex Delta SkyMiles Platinum card

  • Annual Companion Certificate: You’ll receive a round-trip companion certificate for Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your card.
  • TakeOff 15: Save 15% on Award Travel when booking Delta flights (excluding partner-operated flights and taxes/fees).
  • First Checked Bag Free: Receive complimentary first checked bag on Delta flights.
  • Up to $100 Fee Credit for Global Entry or TSA PreCheck®: Get reimbursed for the application fee for Global Entry or TSA PreCheck every 4 years.
  • 20% Back on In–flight Purchases: Receive a 20% statement credit on eligible Delta in-flight purchases of food and beverages.
Food and beverage on Delta flight
Get 20% off on Food and beverage in Delta flight (Photo by LukeandKarla.Travel/Shutterstock)
  • ShopRunner: Enjoy free 2-day shipping at 100+ online stores when you enroll in complimentary ShopRunner membership with your Delta Platinum card.
  • $150 Delta Stays Credit: Receive a $150 Delta Stays Credit annually on eligible prepaid Delta Stays bookings on delta.com.
  • Hertz Five Star® Status: Enroll in the Hertz Gold Plus Rewards program and enjoy Hertz Five Star Status.
  • $120 Resy Credit: Enjoy a $120 Resy Credit, earning up to $10 in monthly statement credits on eligible Resy purchases.
  • $120 Rideshare Credit: Get a $120 Rideshare Credit, with up to $10 back in statement credits each month on U.S. rideshare purchases with select providers when you use your Delta SkyMiles Platinum American Express Card. nrollment Required.
  • Complimentary Upgrade list: Even if you're not a Medallion Member, you'll be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members if you have an eligible ticket.
  • MQD Boost: Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • MQD on Purchases: Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.

Terms apply to American Express benefits and offers.

United Quest Card

United Quest℠ Card

  • $125 Annual United Purchase Credit: Cardholders receive up to $125 in statement credits for United purchases each account anniversary year.
  • Up to 10,000 Miles in Award Flight Credits: Starting from the first anniversary, cardholders get 5,000 miles back in their MileagePlus account after taking up to 2 United or United Express-operated award flights annually.
How to Redeem United Miles Airline Partners, Hotels, Upgrades
Redeem United miles for flights and hotels, transfer airline partners, Hotels, upgrades (Photo by Thiago B Trevisan/Shutterstock)
  • Earn up to 6,000 Premier Qualifying Points (PQP): Get 500 PQP for every $12,000 spent on purchases with your United Club Card (up to 6,000 PQP in a calendar year) to advance your Premier status qualification, up to Premier 1K® level.
  • Free First and Second Checked Bags: The primary cardmember and one companion on the same reservation enjoy complimentary first and second standard checked bags on United-operated flights.
  • Priority Boarding: The primary cardmember and companions on the same reservation receive priority boarding on United-operated flights.
  • Up to $100 Global Entry, TSA PreCheck, or NEXUS Fee Credit: Cardholders receive a statement credit of up to $100 every 4 years for the application fee for Global Entry, TSA PreCheck, or NEXUS.
  • 25% Back on United Inflight and Club Premium Purchases: Cardholders get a 25% statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights, as well as Club premium drinks.
  • Premier Upgrades on Award Tickets: The primary cardmember with MileagePlus Premier status, traveling on an award ticket, and one companion on the same reservation are eligible for complimentary Premier Upgrades on select United and United Express-operated flights.
Premium service when upgrading a United flight to business class
United Airlines serves its 'p.s. Premium Service' business class passengers coffee aboard flight UA1469, served by its Boeing 787 Dreamliner(Photo by First Class Photography/Shutterstock)
  • DoorDash: Cardholders receive a one-year complimentary DashPass membership, offering unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.

Travel Insurance And Protections: Comparison

When it comes to protection, both cards offer great coverage with minor differences – for example, the Delta Platinum card offers cell phone protection, which is not available through United. Still, the Quest card offers lost luggage reimbursement and trip cancellation insurance.

Delta SkyMiles Platinum

Amex Delta SkyMiles Platinum card

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations
  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.
  • Trip Delay Insurance: If your trip faces a delay of more than 6 hours due to a covered reason and you paid for the round-trip with your Eligible Card.
  • Purchase Protection: Eligible purchases made with your card can be protected for up to 90 days from the purchase date, offering coverage for theft, accidental damage, or loss.
  • Extended Warranty: When you use your  card for eligible purchases, you can receive an extra year of warranty coverage for warranties lasting 5 years or less in the United States or its territories.
  • Cell Phone Protection: This embedded benefit provides reimbursement for repair or replacement costs after cell phone damage or theft.

Terms apply to American Express benefits and offers.

United Quest Card

United Quest℠ Card

  • Trip Cancellation/Interruption Insurance: In the event of trip cancellation or interruption due to covered situations like sickness or severe weather.

  • Baggage Delay Insurance: If your baggage is delayed by a passenger carrier for over 6 hours, the card reimburses essential purchases like toiletries and clothing.

  • Lost Luggage Reimbursement: For damaged or lost luggage by the carrier, the card provides coverage of up to $3,000 per passenger or an immediate family member who checked or carried on the luggage.

  • Trip Delay Reimbursement: If common carrier travel is delayed by more than 12 hours or requires an overnight stay, the card covers unreimbursed expenses, including meals and lodging.

  • Auto Rental Collision Damage Waiver: By declining the rental company's collision insurance and charging the entire rental cost to the card, primary coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad, up to the actual cash value of the vehicle.

  • Purchase Protection: New purchases made with the card are covered against damage or theft for 120 days, offering reimbursement.

  • Extended Warranty Protection: The card extends the time period of the manufacturer's U.S warranty by an additional year on eligible warranties of three years or less.

Get Delta flight statement credit
Get Delta flight statement credit with Delta credit cards (Photo by NextNewMedia/Shutterstock)

When You Might Want the Delta Platinum Card?

You might prefer the Delta Platinum if:

  • You Want Higher Point Rewards Ratio: Based on our analysis, the Delta Platinum card offers a better point rewards ratio and higher value for the same spend.
  • You Want Complimentary Companion Certificate: The Delta SkyMiles Platinum provides a valuable companion certificate upon card renewal, allowing a companion to accompany you on a domestic main cabin round-trip flight for a reduced fee. If you frequently travel with a companion, this benefit can offset the card's annual fee.

  • You're Close To Delta Hub: If you live near a Delta Air Lines hub and frequently fly from or connect through Delta-dominated airports, the Delta SkyMiles Platinum may be more advantageous. Access to a primary airline hub can enhance flight options, convenience, and potential upgrades

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.
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.

When You Might Want the United Quest Card?

You might prefer the United Quest if:

  • United Airlines Loyalty: If you are a loyal United Airlines customer and frequently fly with them or their partner airlines, the United Quest is preferable. The card's benefits, such as free checked bags and priority boarding, cater specifically to United travelers, enhancing your overall flying experience.

  • Generous Baggage Allowance: The United Quest provides free first and second checked bags for the primary cardmember and a companion, potentially saving up to $320 per roundtrip. If you often check luggage, this feature can result in significant cost savings compared to the Delta SkyMiles Platinum.

  • You Value Star Alliance's Global Network: Star Alliance has an even more extensive global network than Delta, serving destinations across North America, Europe, Asia, Africa, and South America. If you travel internationally frequently, Star Alliance's broad reach can be a significant advantage.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

Capital One Venture X
Chase Sapphire Reserve®
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$395
$550
$99 (waived for the first 12 months)
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
22.49%–29.49% variable
21.24% – 29.99% (Variable)

Compare United Quest Card

The Quest card has recently launched in order to provide a premium alternative to the old Explorer card. How they compared & is it worth it?

United℠ Explorer Card vs United Quest℠ Card: Which is Better?

The United Infinite card offers luxury benefits that the Quest card doesn't, but for most consumers, it is not worth the higher annual fee.

United Quest vs Infinite Card: How They Compare?

The United Quest card offers better airline benefits, but we don't think it worth the higher annual fee, unless you're a frequent flyer.

Southwest Rapid Rewards Priority vs. United Quest Card: Which Card Is Best?

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Compare Delta SkyMiles Platinum Card

While the Delta SkyMiles Reserve card has a high annual fee, it offers better airline and travel benefits than the Platinum card.

Delta SkyMiles® Reserve vs Platinum: Which Gives You More?

The Delta SkyMiles Platinum is more expensive but offers more premium benefits than the Delta Gold. Here's our complete comparison.

Delta SkyMiles® Gold Card vs Platinum: How They Compare?

If you need premium travel perks and versatility – the Amex Platinum wins. Need airline benefits and lower fees? Consider the Delta Platinum.

Amex Platinum Card vs. Delta SkyMiles Platinum: Side By Side Comparison

The Amex Gold Card focuses on everyday spending rewards, while the Delta SkyMiles Platinum is tailored for frequent Delta travelers.

Amex Gold Card vs. Delta SkyMiles Platinum: Side By Side Comparison

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Delta SkyMiles Platinum is the winner with higher cashback value and better travel and airline benefits. But, it has higher annual fee.

Southwest Rapid Rewards Priority vs. Delta SkyMiles Platinum: Side By Side Comparison

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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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.