Ask Sebby's Recommended Credit Cards - April 2019

Sebby's Top Picks

Chase Sapphire Preferred® Card

(7,813)

Rewards Rate

Intro Bonus: 60,000 points
Annual Fee: $95
Regular APR: 18.24% - 25.24% variable

Our Take

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Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 18.24% - 25.24% Variable
Intro Balance Transfers APR: N/A

American Express® Gold Card

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See Rates & Fees Terms Apply

Rewards Rate

Intro Bonus: 35,000 points
Annual Fee: $250
Regular APR: See Rates & Fees

Our Take

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Highlights

Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Choose to carry a balance with interest on eligible charges of $100 or more.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms apply.

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: See Rates & Fees
Intro Balance Transfers APR: N/A

Capital One® Venture® Rewards Credit Card

(10,091)

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Rewards Rate

Intro Bonus: 50,000 miles
Annual Fee: $95, waived first year
Regular APR: 17.99% - 25.24% variable

Our Take

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Highlights

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Named ‘The Best Travel Card' by CNBC, 2018
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
Miles won't expire for the life of the account and there's no limit to how many you can earn
No foreign transaction fees
$0 intro annual fee for the first year; $95 after that

Annual Fee: $0 intro for first year; $95 after that
Intro Purchase APR: N/A
Regular APR: 17.99% - 25.24% (Variable)
Intro Balance Transfers APR: N/A

More Great Offers

Chase Sapphire Reserve®

(4,629)

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Rewards Rate

Intro Bonus: 50,000 points
Annual Fee: $450
Regular APR: 19.24% - 26.24% variable

Our Take

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Highlights

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®

Annual Fee: $450
Intro Purchase APR: N/A
Regular APR: 19.24% - 26.24% Variable
Intro Balance Transfers APR: N/A

The Platinum Card® from American Express

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See Rates & Fees Terms Apply

Rewards Rate

Intro Bonus: 60,000 points
Annual Fee: $550
Regular APR: N/A

Our Take

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Highlights

Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.

Annual Fee: $550
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Capital One® Savor® Cash Rewards Credit Card

(881)

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Rewards Rate

Intro Bonus: $500
Annual Fee: $95, waived first year
Regular APR: 16.74% - 25.74% variable

Our Take

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Highlights

Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
No foreign transaction fees
Capital One cardholders get access to premium experiences in dining, entertainment and more
$0 intro annual fee for the first year, $95 after that

Annual Fee: $0 intro for first year; $95 after that
Intro Purchase APR: N/A
Regular APR: 16.74% - 25.74% (Variable)
Intro Balance Transfers APR: N/A

The World Of Hyatt Credit Card

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Rewards Rate

Intro Bonus: Up to 50,000 points
Annual Fee: $95
Regular APR: 18.24% - 25.24% variable

Our Take

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Highlights

Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 18.24% - 25.24% Variable
Intro Balance Transfers APR: N/A

Hilton Honors American Express Ascend Card

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See Rates & Fees Terms Apply

Rewards Rate

Intro Bonus: 125,000 points
Annual Fee: $95
Regular APR: 17.99% - 26.99% variable

Our Take

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Highlights

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 17.99%-26.99% Variable
Intro Balance Transfers APR: N/A

IHG® Rewards Club Premier Credit Card

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Rewards Rate

Intro Bonus: Up to 120,000 points
Annual Fee: $89
Regular APR: 18.24% - 25.24% variable

Our Take

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Highlights

Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening
Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
Earn 10 points per $1 spent when you stay at an IHG hotel
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Annual Fee: $89
Intro Purchase APR: N/A
Regular APR: 18.24% - 25.24% Variable
Intro Balance Transfers APR: N/A

Gold Delta SkyMiles® Credit Card from American Express

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See Rates & Fees Terms Apply

Rewards Rate

Intro Bonus: 30,000 Miles
Annual Fee: $95, waived first year
Regular APR: 17.99% - 26.99% variable

Our Take

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Highlights

Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
Earn one mile for every eligible dollar you spend on purchases.
Check your first bag free on Delta flights - that's a savings of up to $240 per round trip for a family of four.
Settle into your seat sooner with Main Cabin 1 Priority Boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.
Terms apply.

Annual Fee: $0 introductory annual fee for the first year, then $95.
Intro Purchase APR: N/A
Regular APR: 17.99%-26.99% Variable
Intro Balance Transfers APR: N/A

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

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