Credit Cards » Compare Credit Cards » Wells Fargo Autograph Vs. Chase Sapphire Preferred
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Wells Fargo Autograph Vs. Chase Sapphire Preferred

The Chase Sapphire Preferred offers better travel perks and protections, but unlike the Autograph card - you'll need to pay an annual fee.
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: April 15, 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: April 15, 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 Wells Fargo Autograph offers a range of exclusive benefits, including everyday and travel rewards with no annual fee.  On the other hand, Chase Sapphire Preferred is renowned for its premium travel rewards program, offering generous points for dining and travel expenses. 

In this comparison, we'll delve into the key features, rewards structures, fees, and other important aspects of these credit cards to help you make an informed decision about which one best suits your financial needs and lifestyle.

Wells Fargo Autograph Vs. Chase Sapphire Preferred: General Comparison

As illustrated in the table below, despite the Chase Preferred card having a higher annual fee, it provides a superior rewards rate for both travel and everyday purchases, along with a more enticing sign-up bonus when compared to the Autograph card.

However, the Autograph card offers 0% intro APR, something you can find on Chase's card.

Wells Fargo Autograph

chase_sapphire_preffered

Wells Fargo Autograph℠ Card
Chase Sapphire Preferred® Card
Annual Fee
$0
$95
Rewards
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
20,000 bonus points when you spend $1,000 in purchases in the first 3 months
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
0% Intro APR
12 months on purchases
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
20.24% – 29.99% variable
21.24%–28.24% variable APR
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Read Review
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

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
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

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
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:
50,000 miles 50,000 bonus miles after you spend $3,000 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

When comparing credit card rewards, the significant advantage of the Chase Sapphire Preferred® Card is the high ratio of U.S. Supermarkets and travel purchases. 

Wells Fargo Autograph

chase_sapphire_preffered

Spend Per Category
Wells Fargo Autograph℠ Card
Chase Sapphire Preferred® Card
$15,000 – U.S Supermarkets
15,000 points
45,000 points
$5,000 – Restaurants
15,000 points
15,000 points
$4,000 – Airline
12,000 points
20,000 points
$3,000 – Hotels
9,000 points
15,000 points
$4,000 – Gas
12,000 points
4,000 points
Total Points
63,000
99,000 points
Estimated Redemption Value
1 point ~ 1 cent
1 point ~ 1 – 1.5 cent
Estimated Annual Value
$630
$990 – $1,565

The Chase Sapphire Preferred card opens up a world of redemption possibilities to make the most of your earned points. You can use your points for travel, booking flights, hotels, and car rentals through the Chase Ultimate Rewards travel portal.

Alternatively, you have the flexibility to transfer your points to various airline and hotel partners, potentially unlocking even more value. If you prefer cash, you can redeem your points for cash back or statement credits.

Chase Sapphire Preferred also offers the option to redeem points for experiences such as concerts, sporting events, culinary events, and more:

Chase redeem points for experience
(Screenshot from Chase app)

Wells Fargo Autograph Vs. Chase Sapphire Preferred: Compare Perks

There are some additional types of perks that you will see with both of these cards.

Wells Fargo Autograph℠ Card

Wells Fargo Autograph

  • Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
  • Auto Rental Collision Damage Waiver: Coverage for theft, damage, loss-of-use charges, administrative fees, and towing charges when renting a vehicle.
  • Travel and Emergency Services Assistance: Access to emergency assistance and referral services while traveling.
  • Emergency Cash Disbursement and Card Replacement: Visa credit cardholders can obtain emergency cash advances or card replacements within one to three business days (fees and interest may apply).
  • My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
  • Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
  • Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.
Chase Sapphire Preferred® Card

chase_sapphire_preffered

  • Anniversary Statement Credit: Every year on your card anniversary, you have the opportunity to earn up to $50 in statement credits for hotel stays made through the Chase Ultimate Rewards portal.
  • Anniversary Bonus: Chase offers a 10% bonus on your total purchases from the previous year as an anniversary gift. For example, if you earned 20,000 points in the first year, you'll receive a 2,000-point bonus in the second year.
  • Travel Bonus: When you redeem your reward points for travel through the Chase Ultimate Rewards portal, you'll receive a 25% bonus, enhancing the value of your points.
Chase Sapphire Preferred options on Chase Ultimate Rewards options
Redeem Chase Sapphire Preferred points on Chase Ultimate Reward (Screenshot taken by our team from Chase app)
  • Trip Cancellation and Interruption Insurance: If you use your Sapphire Preferred card to pay for your trip, you'll be covered with up to $10,000 per traveler and $20,000 per trip in case your trip is canceled or interrupted due to covered circumstances.
  • Baggage Delay Coverage: If your baggage is delayed, you can be reimbursed up to $100 per day for up to five days when you've paid for your common carrier fare with your card. Additionally, you can claim up to $500 per ticket if your common carrier travel is delayed by more than 12 hours.
  • Rental Car Coverage: When you charge your car rental to your card, you'll enjoy complimentary auto collision rental damage waiver coverage.
  • Purchase Protections: Your card provides coverage for new purchases against damage or theft for up to 120 days. Additionally, eligible items come with extended warranty protection, with claim limits of $500 per claim and $50,000 per account.
  • DoorDash Perks: Upon registration, you'll receive a one-year DoorDash subscription, DashPass, which offers reduced service fees and $0 delivery fees for orders over $12.
  • Lyft Rides: During the promotional period, you'll earn extra points on Lyft rides, currently available until March 2025.
  • Instacart+ Subscription: Linking your card to Instacart grants you a six-month Instacart+ subscription for free. As a member, you can earn up to $15 in statement credits per quarter until July 2024.
  • Emergency and Travel Assistance: If you encounter any issues while away from home, a dedicated helpline is available to provide assistance with medical and legal referrals or help with travel and emergency situations.

Main Drawbacks: How They Compare?

Wells Fargo Autograph℠ Card

Wells Fargo Autograph

  • Modest Rewards: The Wells Fargo Autograph Card offers relatively lower rewards rates for supermarket and restaurant spending compared to the Chase Ultimate Rewards program. This makes it less appealing, especially for individuals who frequently dine out or travel.
  • Absence of Premium Travel Benefits: In contrast to the Sapphire Preferred card, the Wells Fargo Autograph Card lacks premium travel perks such as travel credits and comprehensive travel insurance coverage. This can be a drawback for travelers seeking enhanced protection and savings.
  • Limited Exclusive Experiences: While the Sapphire Preferred card grants cardholders access to exclusive events, unique experiences, and special offers, the Wells Fargo Autograph Card does not provide similar privileges. This means you may miss out on exclusive opportunities and benefits with the Autograph card.
Chase Sapphire Preferred® Card

chase_sapphire_preffered

  • Higher Annual Fee: Generally, the Sapphire Preferred Card carries a higher annual fee in contrast to the Wells Fargo Autograph Card, which has no annual fee. This disparity can be a notable drawback for individuals aiming to keep their credit card expenses to a minimum.

  • Less Good For Gas: If your priority is to maximize rewards for gas purchases, you may find the Autograph℠ Card to be a more suitable choice.

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:
50,000 miles 50,000 bonus miles after you spend $3,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 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 Prefer The Chase Sapphire Preferred?

You might prefer the Chase Sapphire Preferred® Card over the Wells Fargo Autograph℠ Card in the following scenarios:

  • Travel Enthusiast: If you are a frequent traveler or someone who values travel rewards, the Sapphire Preferred Card is a top choice. It offers generous travel-related benefits, including higher points earnings on travel and dining expenses, and a 25% bonus on point redemptions for travel through the Chase Ultimate Rewards portal.
  • Flexible Points Redemption: The Chase Ultimate Rewards program offers flexible redemption options, allowing you to transfer points to various airline and hotel loyalty programs, maximizing the value of your rewards.
  • Premium Travel Benefits: The Sapphire Preferred Card provides premium travel perks such as travel credits, comprehensive travel insurance, and access to airport lounges through the Priority Pass program. If you seek enhanced travel protection and luxury travel experiences, this card is the better option.
  • Larger Sign-Up Bonus: The Sapphire Preferred Card often comes with a more attractive sign-up bonus, which can provide a significant boost to your rewards balance when you initially open the card account.
Chase Transfer points to travel Partners2
Chase Transfer points to travel Partners (Screenshot from Chase app)

When You Might Prefer the Wells Fargo Autograph℠ Card?

You might prefer the Wells Fargo Autograph℠ Card over the Chase Sapphire Preferred® Card in the following situations:

  • Get Rewards Without Paying An Annual Fee: If you want to avoid paying an annual fee, the Autograph℠ Card is a better choice since it typically comes with no annual fee compared to the Sapphire Preferred's annual fee.
  • You Need 0% Intro APR: If you need a balance transfer card, The Autograph card offers 0% intro APR for 12 months on purchases, so if you're looking for a large purchase soon, this may be a good idea.

Compare The Alternatives

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

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
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
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 – 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
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
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

Compare Chase Sapphire Preferred

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

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: Which Card Is Best?

While the Chase Sapphire Preferred Card has more benefits, the Capital One Venture card offers unique features. Which travel card is better?

Capital One Venture vs Chase Sapphire Preferred: Which Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison:

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

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 Chase Sapphire Preferred is more versatile and offers better travel rewards than the Explorer card. But what if you're loyal to United?

United Explorer Card vs Chase Sapphire Preferred: Side By Side Comparison

The Venture X card offers better travel perks than the Sapphire Preferred, such as annual credit and lounge access. But is it worth the fee?

Capital One Venture X vs. Chase Sapphire Preferred: Comparison

The Marriott Boundless offers great perks for Marriot lovers, while the Preferred card wins when it comes to general travel-related rewards.

Marriott Bonvoy Boundless vs. Chase Sapphire Preferred: Comparison

The Capital One Savor is better for everyday spending, but the Chase Preferred card is the winner when it comes to travel and protections.

Capital One Savor vs. Chase Sapphire Preferred: Comparison

Chase Preferred card is the clear winner as it offers better travel rewards than the BofA Premium Rewards and variety of travel protections

Bank of America Premium Rewards vs. Chase Sapphire Preferred: Which Card Wins

While the Chase Sapphire Preferred is our winner due to its various perks, the Aeroplan card offers high cashback value and airline perks.

Chase Sapphire Preferred vs. Air Canada Aeroplan Card: How They Compare?

The Chase Sapphire Preferred is our winner due to its higher annual cashback value and various redemption options compared to Alaska card

Chase Sapphire Preferred vs. Alaska Airlines Visa Signature Card: How They Compare?

While we really like both cards, the Chase Sapphire Preferred is our winner due to its diverse redemption options and high rewards rate.

Chase Sapphire Preferred vs. JetBlue Plus Card: Side By Side Comparison

Compare Wells Fargo Autograph Card

The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.

Wells Fargo Autograph Vs. Amex Gold Card: Which Is Best?

The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards.

Wells Fargo Active Cash vs. Autograph Card: How They Compare?

The Autograph Card is best for earning rewards on common travel categories, while the Reflect Card is a better option for a long 0% intro APR.

Wells Fargo Reflect vs. Autograph Card: How They Compare?

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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Best Cards Per Category
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:
50,000 miles 50,000 bonus miles after you spend $3,000 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.

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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.