Johnny's Top Picks

best for airport lounge access
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Rewards Rate

5X
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X
5X Membership Rewards points on prepaid hotels booked on amextravel.com.

At A Glance

Intro Bonus
60,000 points
Annual Fee
$550
Regular APR
N/A
best for flexible travel rewards

Good to Excellent

Credit Recommended (670-850)

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Rewards Rate

5X
Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
2X
2X points on travel and dining at restaurants worldwide.
1X
1 point per dollar spent on all other purchases.

At A Glance

Intro Bonus
60,000 points
Annual Fee
$95
Regular APR
15.99% - 22.99% variable
Best for restaurant rewards
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Rewards Rate

4X
Earn 4X Membership Rewards® points when you dine at restaurants worldwide.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

At A Glance

Intro Bonus
35,000 points
Annual Fee
$250
Regular APR
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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.